Trustco Bank Corp Ny · NASDAQ:TRST
Trustco Bank Corp Ny — Shareholder Meeting (May 2011)
17 slides from Trustco Bank Corp Ny's shareholder meeting presentation, May 19, 2011
Slide 1: Welcome to the 2011 Annual Meeting
Welcome to the 2011 Annual Meeting
Slide 2: Shareholder Assembly Agenda
Shareholder Assembly Agenda • State of the Industry / Economy • Financial Performance • Performance vs. Peers & Stock Performance • Dividend Record and Capital • 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 - Unwinding • Large Deficits / Low Interest Rates / Rising Inflation / Rising Taxes • Asset Quality State of the Industry
Slide 4: 1.00 2000Y 2001Y 2002Y 2003Y 2004Y 2005Y 2006Y mMedian TrustCo 2007Y 2008Y 2009Y 2010Y
1.00 2000Y 2001Y 2002Y 2003Y 2004Y 2005Y 2006Y mMedian TrustCo 2007Y 2008Y 2009Y 2010Y
Slide 5: 30.0 = Median _ TrustCo
30.0 = Median _ TrustCo 25.0 20.0 15.0 10. 5 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 =) o
Slide 6: = Peer Median _TrustCo
= Peer Median _TrustCo 65.0 55.0 50.0 45.0 40.0 35.0 30.0 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
Slide 7: Non-performing Assets Ratio (%)
Non-performing Assets Ratio (%)
Slide 8: Loan and Deposit Growth ($000)
Loan and Deposit Growth ($000)
Slide 9: Branches and Deposits ($000)
# of Branches 54 56 62 69 74 83 91 107 124 132 134 Branches and Deposits ($000)
Slide 10: TrustCo vs. Peers in 2010
TrustCo Peers* Return on Average Equity 11.48% 4.72% Return on Average Assets 0.77% 0.55% Efficiency Ratio 50.77% 61.41% TrustCo vs. Peers in 2010 *All banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2010 Ratios reflect the full year 2010
Slide 11: 3-Year Stock Performance
3-Year Stock Performance *Through April 21, 2011
Slide 12: Cash Dividends Paid: 2000 to 2010
TrustCo Peers* Dividend Payout Ratio 88.9% 39.6% Cash Dividends Paid $425.5 Million $86.4 Million Cash Dividends Paid: 2000 to 2010 *All banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2010
Slide 13: Capital Planning
Capital Planning • Regulatory Landscape • Dodd-Frank, Basel III, Bank Regulators driving higher capital requirements • Goal - 8% capital level • Asset Growth • Branch expansion program • Capital to support growth • Shelf Registration • Filed with SEC today • Raise capital as needed • Variety of capi
Slide 14: Community Relations / Contributions
Community Relations / Contributions • We provide both significant employee involvement and financial contributions to many worthy organizations in our market area • In 2010 we provided 278 organizations with cash contributions • Total contributions in 2010 were over $430,000 • We examine what types
Slide 15: Things to be Proud Of
• “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 Director Magazine, 2008-2010 • Top 20 of “Top 100 Thrifts” - SNL Thrift Investor, 2005- 2010 . • Top 10 of “Top 200 Mid Tier Banks” - US Banker
Slide 16: Questions and Answers
2011 Annual Meeting Questions and Answers
Slide 17: Thank You for Attending
2011 Annual Meeting Thank You for Attending
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