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Balance Sheet
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Income Overview
Net Income
$16,965K
EPS
$0.98
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
58,757
57,565
55,082*
55,953
U. s. government sponsored enterprises
111
149
340*
599
State and political subdivisions
-
0
-0*
1
Mortgage-backed securities and collateralized mortgage obligations - residential
1,486
1,469
1,376*
1,583
Corporate bonds
776
694
559*
265
Small business administration-guaranteed participation securities
59
63
76*
72
Other securities
7
8
8*
7
Total interest and dividends on securities available for sale
2,439
2,383
2,356*
2,527
Mortgage-backed securities and collateralized mortgage obligations - residential
44
47
54
52
Total interest on held to maturity securities
44
47
54*
52
Federal home loan bank stock
123
126
150*
125
Interest on federal funds sold and other short-term investments
6,344
6,105
6,018*
7,376
Total interest income
67,707
66,226
63,659*
66,033
Interest-bearing checking
551
533
-
483
Savings accounts
703
675
-
741
Money market deposit accounts
1,631
1,552
-
2,065
Interest on deposits
-
-
21,650*
-
Time deposits
18,863
18,357
-
19,427
Interest on short-term borrowings
369
401
333*
198
Total interest expense
22,117
21,518
21,983*
22,914
Net interest income
45,590
44,708
41,676*
43,119
Provision for credit losses
650
950
250*
250
Net interest income after provision for credit losses
44,940
43,758
41,426*
42,869
Trustco financial services income
1,980
2,135
2,178*
1,967
Fees for services to customers
2,487
2,340
2,490*
2,429
Net gains on equity securities
844
-
0*
0
Other
601
366
-33*
293
Total noninterest income
5,912
4,841
4,634*
4,689
Salaries and employee benefits
13,047
12,219
11,835*
12,727
Net occupancy expense
4,381
4,542
4,652*
4,470
Equipment expense
2,082
2,022
2,235*
1,938
Professional services
1,968
1,526
1,081*
1,571
Outsourced services
2,704
2,700
2,324*
2,492
Advertising expense
586
394
693*
290
Fdic and other insurance
1,101
1,153
1,229*
1,052
Other real estate expense, net
112
50
-76*
8
Other
2,352
2,376
2,835*
1,694
Total noninterest expenses
28,333
26,982
26,807*
26,242
Income before taxes
22,519
21,617
19,253*
21,316
Income taxes
5,554
5,332
5,061*
5,058
Net income
16,965
16,285
14,192
16,258
Basic EPS
0.98
0.91
0.766
0.87
Diluted EPS
0.98
0.91
0.764
0.86
Basic Average Shares
17,304,000
17,813,000
18,536,000
18,755,000
Diluted Average Shares
17,386,000
17,876,000
18,571,000
18,805,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Mortgage-backed securities and
collateralized mortgage...
$1,486K
(-7.87%↓ Y/Y)
Corporate bonds
$776K
(269.52%↑ Y/Y)
U. s. government
sponsored enterprises
$111K
(-81.92%↓ Y/Y)
Small business
administration-guaranteed participation...
$59K
(-21.33%↓ Y/Y)
Other securities
$7K
(-12.50%↓ Y/Y)
Mortgage-backed securities and
collateralized mortgage...
$44K
(-18.52%↓ Y/Y)
Interest and fees on loans
$58,757K
(7.70%↑ Y/Y)
Interest on federal funds
sold and other...
$6,344K
(-12.04%↓ Y/Y)
Total interest and
dividends on securities...
$2,439K
(-3.21%↓ Y/Y)
Federal home loan bank
stock
$123K
(-4.65%↓ Y/Y)
Total interest on held
to maturity...
$44K
(-18.52%↓ Y/Y)
Total interest income
$67,707K
(5.02%↑ Y/Y)
Net interest income
$45,590K
(9.21%↑ Y/Y)
Fees for services to
customers
$2,487K
(9.75%↑ Y/Y)
Trustco financial
services income
$1,980K
(8.91%↑ Y/Y)
Net gains on equity
securities
$844K
Other
$601K
(-21.74%↓ Y/Y)
Total interest
expense
$22,117K
(-2.68%↓ Y/Y)
Net interest income
after provision for...
$44,940K
(9.35%↑ Y/Y)
Total noninterest
income
$5,912K
(21.85%↑ Y/Y)
Provision for credit
losses
$650K
(0.00%↑ Y/Y)
Time deposits
$18,863K
(-1.73%↓ Y/Y)
Money market deposit
accounts
$1,631K
(-21.81%↓ Y/Y)
Savings accounts
$703K
(-4.09%↓ Y/Y)
Interest-bearing checking
$551K
(2.80%↑ Y/Y)
Interest on short-term
borrowings
$369K
(109.66%↑ Y/Y)
Income before taxes
$22,519K
(14.16%↑ Y/Y)
Total noninterest
expenses
$28,333K
(8.05%↑ Y/Y)
Net income
$16,965K
(12.81%↑ Y/Y)
Income taxes
$5,554K
(18.52%↑ Y/Y)
Salaries and employee
benefits
$13,047K
(9.86%↑ Y/Y)
Net occupancy
expense
$4,381K
(-3.03%↓ Y/Y)
Outsourced services
$2,704K
(9.92%↑ Y/Y)
Other
$2,352K
(46.72%↑ Y/Y)
Equipment expense
$2,082K
(8.55%↑ Y/Y)
Professional services
$1,968K
(4.35%↑ Y/Y)
Fdic and other
insurance
$1,101K
(-3.08%↓ Y/Y)
Advertising expense
$586K
(92.76%↑ Y/Y)
Other real estate
expense, net
$112K
(-78.54%↓ Y/Y)
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TRUSTCO BANK CORP N Y (TRST)
TRUSTCO BANK CORP N Y (TRST)