Regulatory Capital Requirements (Tables)

12 Months Ended

Dec. 31, 2017

Regulatory Capital Requirements [Abstract]

Summary of actual capital amounts and ratios

The following is a summary of actual capital amounts and ratios as of December 31, 2017 and 2016, for Trustco Bank:

(dollars in thousands)	As of December 31, 2017					Well			Adequately
	Amount		Ratio			Capitalized(1)			Capitalized(1)(2)
Tier 1 leverage ratio	$	444,931		9.152	%		5.000	%		4.000	%
Common equity Tier 1 capital		444,931		17.460			6.500			5.750
Tier 1 risk-based capital		444,931		17.460			8.000			7.250
Total risk-based capital		476,942		18.720			10.000			9.250

(dollars in thousands)	As of December 31, 2016					Well			Adequately
	Amount		Ratio			Capitalized(1)			Capitalized(1)
Tier 1 leverage ratio	$	424,802		8.829	%		5.000	%		4.000	%
Common equity Tier 1 capital		424,802		17.238			6.500			5.125
Tier 1 risk-based capital		424,802		17.238			8.000			6.625
Total risk-based capital		455,772		18.492			10.000			8.625

(1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized

(2) The December 31, 2016 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a transition capital conservation buffer of 1.25 percent

The following is a summary of actual capital amounts and ratios as of December 31, 2017 and 2016 for TrustCo on a consolidated basis.

(dollars in thousands)	As of December 31, 2017					Minimum for
	Amount		Ratio			Capital Adequacy plus Capital Conservation Buffer(1)(2)
Tier 1 leverage ratio	$	459,561		9.449	%		4.000	%
Common equity Tier 1 capital		459,561		18.020			5.750
Tier 1 risk-based capital		459,561		18.020			7.250
Total risk-based capital		491,590		19.280			9.250

(dollars in thousands)	As of December 31, 2016					Minimum for
	Amount		Ratio			Capital Adequacy plus Capital Conservation Buffer(1)(2)
Tier 1 leverage ratio	$	438,426		9.110	%		4.000	%
Common equity Tier 1 capital		438,426		17.782			5.125
Tier 1 risk-based capital		438,426		17.782			6.625
Total risk-based capital		469,411		19.038			8.625

(1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized

(2) The December 31, 2017 and 2016 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a transition capital conservation buffer of 1.25 percent, and 0.625 percent respectively.