Trustco Bank Corp Ny · NASDAQ:TRST
Trustco Bank Corp Ny — Investor Presentation (October 2013)
11 slides from Trustco Bank Corp Ny's investor presentation, Oct 3, 2013
Slide 1: Presenters: McCormick, Cushing and Salvador, October 3, 2013
Exhibit 99(a) Robert J. McCormick, President and Chief Executive Officer Robert T. Cushing, Executive Vice President and Chief Financial Scot R. Salvador, Executive Vice President and Chief Banking Officer Officer October 3, 2013
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”). Forward-looking statements can be identified by words such as “believes,” “anticipates,” “expects,” “should,” “may,” “plans,” “es
Slide 3: TrustCo Bank Corp NY
TrustCo Bank Corp NY ü New York community-focused financial services company with additional market presence in Florida, Massachusetts, New Jersey and Vermont ü Provides core banking products and services to local businesses and retail customers ü Strategy of building solid deposit franchise with lo
Slide 4: Strategy and Philosophy for Continued Growth
Strategy and Philosophy for Continued Growth 4 Generated through our expanded branch ü Deposit and Loan Portfolio Growth network 4 Intense customer service focus 4 Simple, low cost products 4 Centralized portfolio lending process ü Superior Asset Quality 4 Conservative lending criteria 4 History of
Slide 5: Branch Franchise Overview
Branch Franchise Overview New York - 14 Counties, 86 Branches Massachusetts - 1 County, 4 Branches Florida - 12 Counties, 46 Branches New Jersey - 1 County, 2 Branches Vermont - 1 County, 1 Branch As of June 30, 2013 5
Slide 6: Branch Growth Strategy
Branch Growth Strategy 4 Since 2000, the Company has increased its network by 85 branches, bringing the total to 139 4 All new branches opened on a de novo basis 4 Expansion included growth in five states, with a focus on Florida and Downstate New York 4 We have built a platform for steady and conse
Slide 7: Number of Branches & Average Size
Number of Branches & Average Size 7
Slide 8: Detail of Loan Portfolio
Detail of Loan Portfolio ü The portfolio is comprised of loans 1-4 Family Composition that are fully-documented using comprehensive underwriting criteria June 30, 2013 without sole reliance on credit scores ü All originations are taken at branch locations by company employees ü Residential portfolio
Slide 9: Investment Portfolio and Interest Rate Risk
Investment Portfolio and Interest Rate Risk 4 Strive to achieve a 60/40 split on loans to investments 4 Investment Securities o High level of liquidity well in excess of $1 billion (including cash) o Vast majority of securities are available for sale o High credit quality portfolio o No derivatives,
Slide 10: Investment Strategy and Composition
Investment Strategy and Composition Investment Composition June 30, 2013 U. S. government sponsored enterprises 188,133 States and political subdivisions 12,159 Mortgage-backed securities and collateralized mortgage obligations-residential 604,672 Corporate bonds & other securities 64,890 SBA guaran
Slide 11: Capital Ratios as of June 30, 2013
Capital Ratios as of June 30, 2013 (1) RBC = Risk Based Capital. Source: SEC Filings; SNL Financial 11
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