Trustco Bank Corp Ny · NASDAQ:TRST
Trustco Bank Corp Ny — Shareholder Meeting (May 2010)
18 slides from Trustco Bank Corp Ny's shareholder meeting presentation, May 20, 2010
Slide 1: Welcome to the 2010 Annual Meeting
Welcome to the Y TRUSTCO 7N Bank Corp NY 2010 Annual Meeting
Slide 2: Shareholder Assembly Agenda
Shareholder Assembly Agenda • State of the Industry / Economy • Summary of Expansion Plan • Financial Performance • Stock Performance • Future Plans • Things to be Proud Of • Questions and Answers
Slide 3: State of the Industry
• Economic Conditions - Unemployment Level - Housing Market • Increasing Regulation • Government Intervention • Large Deficits / Low Interest Rates / Rising Inflation? • Asset Quality State of the Industry
Slide 4: Summary of Expansion Plan
• Our Major Branch Expansion is Now Complete • Look for Selected, Opportunistic Branch Openings Going Forward • Review of Expansion Summary of Expansion Plan
Slide 5: Branch expansion 2003-2009
150 100 50 2003 2004 2005 2006 2007 2008 2009 9% TRUSTCO Bank Corp NY
Slide 6: Financial Performance: Efficiency Ratio and Net Interest Margin
Efficiency Ratio (%) Financial Performance Key Metrics Driving Profitability have Turned in Recent Quarters Net Interest Margin (%)
Slide 7: Financial Performance: Return on Average Assets
Return on Average Assets (%) Financial Performance Key Metrics Driving Profitability have Turned in Recent Quarters
Slide 8: Financial Performance chart
3.50 3.00 25 8 2.00 2003 2004 2005 2006 2007 2008 2009 TRUSTCO Bank Corp NY
Slide 9: Financial Performance chart ($ Billions)
(S$ - Billions) = — 175 : ‘| | | 2005 0.75 2003 2004 2006 2007 2008 2009 * TRUSTCO AS Bank Cop NY
Slide 10: TrustCo vs. Peers
TrustCo Peers* Return on Average Equity 11.70% 2.10% Return on Average Assets 0.79% 0.28% Efficiency Ratio 57.02% 61.41% TrustCo vs. Peers *All banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2009
Slide 11: Other Key Indicators
Other Key Indicators • Non-Performing Loans • Efficiency Ratio • Average Assets Per Employee
Slide 12: Stock Performance
Stock Performance “Crisis Period”
Slide 13: TRST Total Return Performance 2004-2009
TRST - 12/31/2004 - 12/31/2009 Total Return Performance 407 Total Return (%) 8 i —® TRST (40.36%) —# SNL Bank and Thrift (48.85%) TRUSTCO Bank Corp NY
Slide 14: Future Plans
• We are Working to Capitalize on Our Expanded Branch Network • Branch Maturity • Expense Management • Net Interest Margin • Loan Portfolio Management Future Plans
Slide 15: Things to be Proud Of
Things to be Proud Of • Top 10 of “Banking’s Top Performers” - ABA Banking Journal, 2009 • Audit Integrity Top 100 - Audit Integrity Independent Research, 2009-2010 • Top 30 of “Top 150 Performers” - Bank Director Magazine, 2008-2010 • Robert T. Cushing, CFO of the Year - Capital Region Business Rev
Slide 16: TrustCo Bank Corp NY
* TRUSTCO AS Bank Cop NY
Slide 17: Questions and Answers
2010 Annual Meeting Questions and Answers
Slide 18: Thank You for Attending
2010 Annual Meeting Thank You for Attending
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