Financial insights of TRST

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	220,846
U. s. government sponsored enterprises	2,159
State and political subdivisions	1
Mortgage-backed securities and collateralized mortgage obligations-residential	6,169
Corporate bonds	1,271
Small business administration-guaranteed participation securities	296
Other	30
Total interest and dividends on securities available for sale	9,926
Mortgage-backed securities and collateralized mortgage obligations-residential	213
Total interest on held to maturity securities	213
Federal home loan bank stock	531
Interest on federal funds sold and other short-term investments	27,900
Total interest and dividend income	259,416
Interest on deposits	89,549
Interest on short-term borrowings	894
Total interest expense	90,443
Net interest income	168,973
Provision for credit losses	1,600
Net interest income after provision for credit losses	167,373
Trustco financial services income	7,855
Fees for services to customers	9,532
Net gain on equity securities	0
Other	1,558
Total noninterest income	18,945
Salaries and employee benefits	48,739
Net occupancy expense	18,134
Equipment expense	8,019
Professional services	6,266
Outsourced services	9,752
Advertising expense	1,584
Fdic and other insurance expense	4,511
Other real estate expense, net	719
Other	7,780
Total noninterest expense	105,504
Income before income taxes	80,814
Income taxes	19,677
Net income	61,137

Basic EPS	3.26
Diluted EPS	3.25
Basic Average Shares	18,752,000
Diluted Average Shares	18,790,000