Trustco Bank Corp Ny · NASDAQ:TRST

Trustco Bank Corp Ny — Shareholder Meeting (May 2012)

15 slides from Trustco Bank Corp Ny's shareholder meeting presentation, May 17, 2012

1. Slide 1: Welcome to the 2012 Annual Meeting

   Welcome to the 2012 Annual Meeting

2. Slide 2: Shareholder Assembly Agenda

   Shareholder Assembly Agenda • Deposits • Loan Portfolio • Investment Portfolio • Ratio Analysis • Stock Performance • Questions and Answers

3. Slide 3: TrustCo Bank Corp

   4,000,000 2,000,000 TrustCo Bank Corp Mey, my | TrustCo Bank Corp ey,

4. Slide 4: Number of Branches & Average Size

   Number of Branches & Average Size

5. Slide 5: TrustCo Bank Corp

   2,750,000 2,500,000 2,250,000 2,000,000 1,750,000 1,500,000 1,250,000 1,000,000 TrustCo Bank Corp % Me, yy | TrustCo Bank Corp ey

6. Slide 6: Nonperforming Loans / Loans (%)

   Nonperforming Loans / Loans (%)

7. Slide 7: Short-term Delinquencies (%)

   Short-term Delinquencies * (%) *30-89 day past due loans / total loans

8. Slide 8: Investment & Cash to Assets (%)

   Investment & Cash to Assets (%)

9. Slide 9: Modest margin declines recently, but flattened expenses

   Modest margin declines recently, but flattened expenses….. …should help drive ROE and ROA as credit costs decline and growth continues

10. Slide 10: TrustCo vs. Peers

    TrustCo Peers* 2007 2008 2009 2010 2011 Q1/12 Q1/12 Return on Average Equity 16.9% 14.3% 11.7% 11.5% 11.0% 10.4% 8.1% Return on Average Assets 1.20% 1.00% 0.79% 0.77% 0.81% 0.84% 0.91% Net Interest Margin 3.10% 2.98% 3.29% 3.50% 3.40% 3.22% 3.77% Nonperforming Loans/ Loans 0.66% 1.54% 2.02% 2.07% 1.

11. Slide 11: 10% 0% 10% 20% 30% 50% 60% 10% TrustCo 22% 35% SNLBank and First

    10% 0% 10% 20% 30% 50% 60% 10% TrustCo 22% 35% SNLBank and First Niagara Thrift ‘Arrow Berkshire Hudson city Astoria NBT Key 58% Bank America

12. Slide 12: Things to be Proud Of

    • Top 20 of “Top 100 Thrifts” - SNL Thrift Investor, 2005- 2011 • #1 Home Lender in Capital Region 2011 - Capital District Business Review • “Banking’s Top Performers” - ABA Banking Journal • 12 th out of 129 banks with over $3 billion of assets for 2010 • Top 30 of “Top 150 Performers” - Bank Direc

13. Slide 13: Forward Looking Statements

    Forward Looking Statements Safe Harbor Regarding Forward-Looking Statements This presentation may contain forward-looking information about TrustCo Bank Corp NY (“the Company”) that is intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities Litigat

14. Slide 14: Questions and Answers

    2012 Annual Meeting Questions and Answers

15. Slide 15: Thank You for Attending

    2012 Annual Meeting Thank You for Attending

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