Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income:
Interest and fees on loans		$ 39,003	$ 40,217
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		86	50
State and political subdivisions		1	1
Mortgage-backed securities and collateralized mortgage obligations		1,087	1,237
Corporate bonds		233	316
Small Business Administration-guaranteed participation securities		154	206
Other securities		2	6
Total interest and dividends on securities available for sale		1,563	1,816
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		90	123
Total interest on held to maturity securities		90	123
Federal Reserve Bank and Federal Home Loan Bank stock		62	69
Interest on federal funds sold and other short-term investments		572	270
Total interest income		41,290	42,495
Interest on deposits:
Interest-bearing checking		44	52
Savings accounts		156	159
Money market deposit accounts		214	283
Time deposits		546	1,666
Interest on short-term borrowings		234	228
Total interest expense		1,194	2,388
Net interest income		40,096	40,107
(Credit) Provision for credit losses		(200)	350
Net interest income after (credit) provision for credit losses		40,296	39,757
Noninterest income:
Trustco financial services income		1,833	2,035
Fees for services to customers		2,801	2,204
Net gain on securities transactions		0	0
Other		549	189
Total noninterest income		5,183	4,428
Noninterest expenses:
Salaries and employee benefits		9,239	12,425
Net occupancy expense		4,529	4,586
Equipment expense		1,588	1,631
Professional services		1,467	1,432
Outsourced services		2,280	2,250
Advertising expense		617	354
FDIC and other insurance		812	707
Other real estate expense, net		11	239
Other		2,222	1,711
Total noninterest expenses		22,765	25,335
Income before taxes		22,714	18,850
Income taxes		5,625	4,767
Net income		$ 17,089	$ 14,083
Net income per share:
Basic (in dollars per share)	[1],[2]	$ 0.890	$ 0.730
Diluted (in dollars per share)	[1],[2]	$ 0.890	$ 0.730

[1] All periods presented have been adjusted for the 1 for 5 reverse stock split which occurred on May 28, 2021.

[2] Share and per share amounts have been adjusted for all periods presented for the 1 for 5 reverse stock split which occurred on May 28, 2021.