For the quarter ending 2026-03-31, TRST had $37,681K increase in cash & cash equivalents over the period. $10,180K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net gain on sale of other real estate owned | - | 0 | 0 | 40 |
| Net income | 16,285 | 15,565 | 16,258 | 29,314 |
| Depreciation | 1,248 | 1,271 | 1,226 | 2,318 |
| Amortization of right-of-use asset | 1,645 | 1,653 | 1,657 | 3,335 |
| Writedown of other real estate owned | 30 | 0 | 0 | 547 |
| Net gain on securities transactions | - | 0 | - | - |
| Provision for credit losses | 950 | 400 | 250 | 950 |
| Deferred tax expense | -1,170 | 1,322 | 497 | 2,315 |
| Net amortization of securities | -179 | -204 | -203 | -477 |
| Stock based compensation expense | 475 | 345 | 309 | 616 |
| Net gain on sale of bank premises and equipment | -24 | -125 | 0 | - |
| Decrease (increase) in taxes receivable | -997 | -1,859 | -1,520 | 7,252 |
| Increase in interest receivable | 855 | -727 | 590 | 772 |
| Increase (decrease) in interest payable | 135 | 130 | -749 | 448 |
| Increase in other assets | 529 | 5,003 | 944 | 1,215 |
| Decrease in operating lease liabilities | -1,783 | -1,789 | -1,796 | -3,839 |
| Decrease in accrued expenses and other liabilities | -5,815 | -339 | -5,040 | 1,130 |
| Total adjustments | -4,469 | 905 | -3,457 | -982 |
| Net cash provided by operating activities | 11,816 | 16,470 | 12,801 | 28,332 |
| Proceeds from sale of securities transactions | - | 0 | - | - |
| Proceeds from dispositions of other real estate owned | - | 0 | 0 | 531 |
| Proceeds from sales, paydowns and calls of securities available for sale | 17,873 | 31,550 | 30,105 | 24,364 |
| Purchases of federal home loan bank stock | - | - | 0 | 94 |
| Proceeds from paydowns of held to maturity securities | 235 | 247 | 234 | 512 |
| Purchases of securities available for sale | 25,076 | 20,000 | 21,343 | 54,770 |
| Purchases of federal reserve bank and federal home loan bank stock | - | 94 | - | - |
| Proceeds from maturities of securities available for sale | 15,000 | 9 | 10,000 | 60,050 |
| Proceeds from dispositions of bank premises and equipment | - | 0 | 0 | - |
| Net increase in loans | 37,679 | 60,836 | 34,991 | 58,376 |
| Purchases of bank premises and equipment | 1,636 | 2,385 | 2,815 | 6,665 |
| Net cash (used in) provided by investing activities | -31,283 | -51,415 | -18,810 | -34,448 |
| Net increase in deposits | 94,936 | 76,144 | -9,041 | 99,331 |
| Net change in short-term borrowings | -7,124 | 22,305 | 15,379 | -2,411 |
| Proceeds from exercise of stock options and related tax benefits | - | 24 | - | - |
| Stock based award tax withholding payments | - | 281 | 11 | - |
| Purchases of treasury stock | 23,905 | 21,263 | 11,538 | 5,333 |
| Dividends paid | 6,759 | 7,113 | 6,815 | 13,692 |
| Net cash provided by financing activities | 57,148 | 69,816 | -12,026 | 77,895 |
| Net increase in cash and cash equivalents | 37,681 | 34,871 | -18,035 | 71,779 |
| Cash and cash equivalents at beginning of period | 730,427 | 695,556 | 641,812 | - |
| Cash and cash equivalents at end of period | 768,108 | 730,427 | 695,556 | - |
TRUSTCO BANK CORP N Y (TRST)
TRUSTCO BANK CORP N Y (TRST)