TrustCo Bank Corp NY (NASDAQ:TRST) Q1 2024 Earnings Conference Call April 23, 2024 9:00 AM ET Company Participants Robert McCormick - Chairman, President & CEO Michael Ozimek - CFO Scot Salvador - EVP Commercial Banking Conference Call Participants Alexander Twerdahl - Piper Sandler Operator Good day, and welcome to the TrustCo Bank Corp Earnings Call and Webcast. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. ...

Exhibit 99(a) News Release 5 Sarnowski Drive, Glenville, New York, 12302 (518) 377-3311 Fax: (518) 381-3668 Subsidiary: Trustco Bank Nasdaq -- TRST Contact: Robert Leonard Executive Vice President (518) 381-3693 FOR IMMEDIATE RELEASE: Loans Reach Another All-Time High, Credit Quality Remains Solid; TrustCo Reports Net Income of $12.1 Million and Capital Up 3% Executive Snapshot: • Average Loan portfolio continues to grow: o On average, total loans were up $249.4 million or 5.2% for the first quarter 2024 co ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2023 Or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from ____________________ to ____________________ Commission file number 0-10592 TRUSTCO BANK CORP NY (Exact name of registrant as specified in its charter) NEW YORK 14-1630287 (S ...

TrustCo Bank Corp NY (NASDAQ:TRST) Q4 2023 Earnings Conference Call January 23, 2024 9:00 AM ET Company Participants Robert J. McCormick - Chairman, President and CEO Michael M. Ozimek - CFO Scot R. Salvador - EVP Commercial Banking Conference Call Participants Alex Twerdahl - Piper Sandler Ian Lapey - Gabelli Funds Greg Roeder - Adirondack Funds Operator Good day, and welcome to the TrustCo Bank Corp Earnings Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After to ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Form 10-Q For the transition period from __________ to _________ Commission File Number 000-10592 TRUSTCO BANK CORP NY (Exact name of registrant as specified in its charter) (State or other jurisdiction of ...

TrustCo Bank Corp NY (NASDAQ:TRST) Q3 2023 Earnings Call Transcript October 24, 2023 9:00 AM ET Company Participants Robert J. McCormick - Chairman, President and CEO Michael Ozimek - CFO Scot Salvador - EVP Commercial Banking Conference Call Participants Operator Good day, and welcome to the TrustCo Bank Corp Earnings Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Be ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to _________ Commission File Number 000-10592 TRUSTCO BANK CORP NY (Exact name of registrant as specified in its charter) NEW YORK 14-1630287 (State or other j ...

财务数据和关键指标变化 - 公司第二季度净收入为1640万美元,虽然略有下降但仍然非常稳健,延续了之前几个季度的优异表现 [1] - 贷款总额增长7.5%,达到49亿美元,其中住房贷款、商业贷款和家庭信用额度均稳步增长,创下新高 [1][2] - 存款总额增加6600万美元或1.25%,较年初增加,较第一季度增加4600万美元 [1][2] - 净息差为2.98%,较去年同期上升15个基点 [2] - 资产收益率和股本收益率分别为1.09%和10.61% [1] - 每股账面价值增长5.2%至32.66美元 [1] - 资本充足率为10.23%,较去年同期上升7个百分点 [1][2] 各条业务线数据和关键指标变化 - 住房贷款增加2.2亿美元或5.4% [2] - 商业贷款增加5000万美元或25.2% [2] - 家庭信用额度增加5950万美元或24.4% [2] - 消费贷款增加640万美元或6.8% [2] 各个市场数据和关键指标变化 - 公司在所有地区和贷款品类均实现了贷款增长,体现了公司在快速变化的利率和经济环境下的抗风险能力 [3] - 住房贷款增长受益于大量在建房贷款的完工入账 [3] - 近期购房市场有所放缓,受到利率上升和现有房源短缺的影响,但整体住房需求仍然良好 [3] 公司战略和发展方向及行业竞争 - 公司保持了灵活的定价策略,维持了健康和充足的流动性,帮助净息收入保持稳定 [1][2] - 公司积极维护客户关系,避免客户流失至非银行投资产品,体现了公司的竞争优势 [1][2] - 公司正在重点发展财富管理业务,以期在佛罗里达州的分支网络中获得更多机会 [5] 管理层对经营环境和未来前景的评论 - 公司认为当前的存款流失趋势是暂时的,并未将大量存款投入证券或贷款,而是保留了流动性,为未来存款定价策略提供灵活性 [2] - 公司认为人员招聘和薪酬压力有所缓解,但8月份仍有一些离职情况,未来随着空缺的减少,这一压力有望进一步缓解 [4] 其他重要信息 - 公司的不良资产和不良贷款比率保持较低水平,分别为0.40%和0.96% [3] - 公司连续6个季度实现净回收,资产质量保持良好 [1][3] - 公司传统的信托部门业务受到客户变动的影响,收入有所下降,但正在重点发展财富管理业务以提升收益 [5] - 公司目前暂未启动股票回购计划,但未来有望更积极地回购股票,同时也在持续评估股息政策 [6] 问答环节重要的提问和回答 问题1 **Ian Lapey 提问** 询问公司住房贷款组合的平均期限情况 [4] **公司回答** 公司住房贷款的平均期限在8-9年左右,主要为30年期贷款,在疫情前平均期限约为7年,近年有所延长 [4] 问题2 **Ian Lapey 提问** 询问公司是否考虑出售一些低利率的疫情期间发放的贷款,以降低利率风险 [4] **公司回答** 公司之前有考虑过这种做法,未来也会继续评估,但目前暂无此计划,因为家庭信用额度业务也从中获益 [4] 问题3 **Nick Ripostella 提问** 询问公司是否考虑回购股票以及股息政策 [5][6] **公司回答** 公司目前暂未启动股票回购计划,主要考虑到今年资本和流动性保护的重要性,但未来有望更积极回购,同时也在持续评估股息政策 [6]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to _________ Commission File Number 000-10592 TRUSTCO BANK CORP NY (Exact name of registrant as specified in its charter) NEW YORK 14-1630287 (State or other ...

TrustCo Bank Corp (NASDAQ:TRST) Q1 2023 Earnings Conference Call April 25, 2023 9:00 AM ET Company Participants Robert McCormick - President & Chief Executive Officer Michael Ozimek - Executive Vice President & Chief Financial Officer Scot Salvador - Executive Vice President & Chief Lending Officer Conference Call Participants Ian Lapey - Gabelli Funds Alex Twerdahl - Piper Sandler Nick Ripostella - NR Management Operator Good day and welcome to the TrustCo Bank Corp Earnings Call and Webcast. [Operator Ins ...