Trustco Bank Corp Ny · NASDAQ:TRST
Trustco Bank Corp Ny — Shareholder Meeting (May 2016)
16 slides from Trustco Bank Corp Ny's shareholder meeting presentation, May 20, 2016
Slide 1: Welcome to the 2016 Annual Meeting
Welcome to the 2016 Annual Meeting
Slide 2: Shareholder Assembly Agenda
Shareholder Assembly Agenda Balance SheetBranch Growth & Future PlansIncome Statement & Ratio AnalysisDividends & Capital GrowthStock PerformanceMarket & Regulatory EnvironmentRobert A. McCormickQuestions and Answers
Slide 3: Loan Growth
3,500,000 3,000,000 2,500,000 2,000,000 1,500,000 1,000,000 Loan Growth ($-000) 2,
Slide 4: Nonaccrual Loans/Loans
3.00 250 + 2.00 150 1.00 | 050 a7 Nonaccrual Loans/Loans oy
Slide 5: Deposits
4,500,000 4,000,000 3,500,000 3,000,000 2,500,000 2,000,000 Deposits (¢-000) 200 2%, 200
Slide 6: Number of Branches & Average Size
Number of Branches & Average Size
Slide 7: Investments & Cash to Assets (%)
Investments & Cash to Assets (%)
Slide 8: Margin has held up reasonably well but expenses increased in 2015
Margin has held up reasonably well given the rate environment but expenses increased in 2015… …helping to drive ROE and ROA down for the first time in recent years. Higher equity levels also suppressed ROE.
Slide 9: TrustCo vs. Peers
TrustCo vs. Peers *All public owned banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2015; peer numbers are the medians for the full year 2015; ratios as defined by SNL. TrustCo Peers* 2011 2012 2013 2014 2015 2015 Return on Average Equity 11.0% 10.7%
Slide 10: Dividends & Capital Growth
Dividends & Capital Growth2000-2015 Dividends Paid: $7.06 per shareDividends Paid: $546 million totalShareholders’ Equity: Increase of 111%
Slide 11: Year Stock Performance
3 Year Stock Performance* *December 31, 2012 to December 31, 2015, Total Return
Slide 12: Market & Regulatory Environment
Market & Regulatory Environment New RegulationsHeightened Regulatory ExpectationsIncreased Investment in:Systems, governance and technologyStaffing, training and developmentEnhanced operating policies, procedures, audit and risk monitoring systems Goal: To meet and exceed heightened market and regul
Slide 13: Robert A. McCormick
Robert A. McCormick 1977: Joined the Bank12 branches & $210 million of assetsToday: Leaving the Board145 branches & $4.8 billion of assetsA lasting legacyProfitabilityStrong balance sheetStrong dividend paymentsService to the community
Slide 14: Forward Looking Statements
Forward Looking Statements Safe Harbor Regarding Forward-Looking StatementsThis 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 Litigati
Slide 15: Questions and Answers
2016 Annual Meeting Questions and Answers
Slide 16: Thank You for Attending
2016 Annual Meeting Thank You for Attending
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