For the quarter ending 2025-09-30, TRST had -$18,035K decrease in cash & cash equivalents over the period. $9,986K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 16,258 | 29,314 |
| Depreciation | 1,226 | 2,318 |
| Amortization of right-of-use asset | 1,657 | 3,335 |
| Net gain on sale of other real estate owned | 0 | 40 |
| Writedown of other real estate owned | 0 | 547 |
| Provision for credit losses | 250 | 950 |
| Deferred tax expense | 497 | 2,315 |
| Net amortization of securities | -203 | -477 |
| Stock based compensation expense | 309 | 616 |
| Net gain on sale of bank premises and equipment | 0 | - |
| (increase) decrease in taxes receivable | -1,520 | 7,252 |
| Increase in interest receivable | 590 | 772 |
| Decrease in interest payable | -749 | 448 |
| Increase in other assets | 944 | 1,215 |
| Decrease in operating lease liabilities | -1,796 | -3,839 |
| (decrease) increase in accrued expenses and other liabilities | -5,040 | 1,130 |
| Total adjustments | -3,457 | -982 |
| Net cash provided by operating activities | 12,801 | 28,332 |
| Proceeds from sales, paydowns and calls of securities available for sale | 30,105 | 24,364 |
| Proceeds from paydowns of held to maturity securities | 234 | 512 |
| Purchases of securities available for sale | 21,343 | 54,770 |
| Proceeds from maturities of securities available for sale | 10,000 | 60,050 |
| Purchases of federal home loan bank stock | 0 | 94 |
| Net increase in loans | 34,991 | 58,376 |
| Proceeds from dispositions of other real estate owned | 0 | 531 |
| Proceeds from dispositions of bank premises and equipment | 0 | - |
| Purchases of bank premises and equipment | 2,815 | 6,665 |
| Net cash (used in) provided by investing activities | -18,810 | -34,448 |
| Net increase (decrease) in deposits | -9,041 | 99,331 |
| Net change in short-term borrowings | 15,379 | -2,411 |
| Stock based award tax withholding payments | 11 | - |
| Purchases of treasury stock | 11,538 | 5,333 |
| Dividends paid | 6,815 | 13,692 |
| Net cash provided by (used in) financing activities | -12,026 | 77,895 |
| Net increase (decrease) in cash and cash equivalents | -18,035 | 71,779 |
| Cash and cash equivalents at beginning of period | 641,812 | - |
| Cash and cash equivalents at end of period | 695,556 | - |
TRUSTCO BANK CORP N Y (TRST)
TRUSTCO BANK CORP N Y (TRST)