EX-99.(A) 2 ex99a.htm EXHIBIT 99(A) ex99a.htm
Exhibit 99(a)
 
 
 
 
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
 
 
 
 
•Economic Conditions - Unemployment Level
                                       - Housing Market
•Increasing Regulation
•Government Intervention
•Large Deficits / Low Interest Rates / Rising
 Inflation?
•Asset Quality
State of the Industry
 
 
 
•Our Major Branch Expansion is Now
 Complete
•Look for Selected, Opportunistic Branch
 Openings Going Forward
•Review of Expansion
Summary of Expansion Plan
 
 
 
Number of Branches
 
 
 
Efficiency Ratio (%)
Financial Performance
Key Metrics Driving Profitability have Turned in Recent Quarters
Net Interest Margin (%)
 
 
 
Return on Average Assets (%)
Financial Performance
Key Metrics Driving Profitability have Turned in Recent Quarters
 
 
 
Deposits
($ - Billions)
 
 
 
Loans
 
 
 
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%
*All banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2009
 
 
 
Other Key Indicators
•Non-Performing Loans
•Efficiency Ratio
•Average Assets Per Employee
 
 
 
Stock Performance
“Crisis Period”
 
 
 
Stock Performance
5 Year
 
 
 
• We are Working to Capitalize on Our
 Expanded  Branch Network
 • Branch Maturity
 • Expense Management
 • Net Interest Margin
• Loan Portfolio Management
Future Plans
 
 
 
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 Review, 2009
 • Top 20 of “Top 100 Thrifts” - SNL Thrift Investor, 2005-
 2009
 • Top 10 of “Top 200 Mid Tier Banks” - US Banker
 Magazine, 2007-2009
 
 
 
Things to be Proud Of
 
 
 
2010 Annual Meeting
Questions and Answers
 
 
 
2010 Annual Meeting
Thank You for Attending