TRUSTCO BANK CORP N Y (Form: 10-Q, Received: 08/08/2019 14:27:21)

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Exhibit 3.2

AMENDED AND RESTATED BYLAWS OF
TRUSTCO BANK CORP NY

(a New York State Corporation)

(May 23, 2019)

ARTICLE 1

DEFINITIONS

As used in these Bylaws, unless the context otherwise requires, the term:

1.1 “Board” means the Board of Directors of the Corporation.

1.2 “Business Corporation Law” means the Business Corporation Law of the State of New York, as amended from time to time.

1.3 “Bylaws” means the initial Bylaws of the Corporation, as amended from time to time.

1.4 “Certificate of Incorporation” means the initial certificate of incorporation of the Corporation, as amended, supplemented or restated from time to time.

1.5. “Corporation” means TrustCo Bank Corp NY.

1.6 “Directors” means directors of the Corporation.

1.7 “Entire Board” means the total number of directors which the Corporation would have if there were no vacancies.

1.8 “Chief Executive Officer” means the Chief Executive Officer of the corporation.

1.9 “Chairman” means chairman of the Board of the Corporation.

1.10 “President” means the President of the Corporation.

1.11 “Secretary” means the Secretary of the Corporation.

1.12 “Vice President” means the Vice President of the Corporation.

ARTICLE 2

SHAREHOLDERS

2.1 PLACE OF MEETINGS. Every meeting of shareholders shall be held at such place within or without the State of New York as shall be designated by the Board of Directors in the notice of such meeting or in the waiver of notice thereof.

2.2 ANNUAL MEETING. A meeting of shareholders shall be held annually for the election of Directors and the transaction of other business at such hour and on such business day as may be determined by the Board. Written notice of such meeting, stating the place, date and hour thereof, shall be given, personally or by mail, not less than ten nor more than sixty days before the date of such meeting, to each shareholder certified to vote at such meeting.

2.3 SPECIAL MEETINGS. A special meeting of shareholders, other than those regulated by statute, may be called at any time by the Board, the Chairman or by the Chief Executive Officer. It shall also be the duty of the Chief Executive Officer to call such a meeting whenever requested in writing so to do by shareholders owning two thirds of the issued and outstanding share entitled to vote at such a meeting. Written notice of such meeting, stating the place, date, hour and purpose thereof, and indicating that it is being given by the person or persons calling such meeting, shall be given, personally or by mail, not less than ten nor more than sixty days before the date of such meeting, to each shareholder certified to vote at such meeting.

2.4 QUORUM AND VOTING REQUIREMENTS; ADJOURNMENT. Except with respect to a special meeting for the election of Directors as required by law, or as otherwise provided in these Bylaws or the Certificate of Incorporation , (a) the holders of at least a majority of the outstanding shares of the Corporation shall be present in person or by proxy at any meeting of the shareholders in order to constitute a quorum for the transaction of any business, and (b) whenever any corporate action, other than the election of directors, is to be taken by vote of the shareholders, it shall, except as otherwise required by the Certificate of Incorporation or by law, be authorized by a majority of the votes cast in favor of or against such action at a meeting of shareholders by the holders of shares entitled to vote thereon; provided, however, that when a specified item of business is required to be voted on by a class or series (if the Corporation shall then have outstanding shares or more than one class or series), voting as a class, the holders of a majority of the shares of such class or series shall constitute a quorum (as to such class or series) for the transaction of such item of business. The holders of a majority of shares present in person or represented by proxy at any meeting of shareholders, including an adjourned meeting, whether or not a quorum is present, may adjourn such meeting to another time and place. Except as otherwise provided in Certificate of Incorporation or by law, an abstention shall not constitute a vote cast.

2.5 INSPECTORS AT MEETINGS. Two or more inspectors shall be appointed by the Board prior to each Annual Meeting of Shareholders, to serve at the meeting or any adjournment thereof. In case any person appointed fails to appear or act, the vacancy may be filled by appointment made by the Board in advance of the meeting or at the meeting by the person presiding thereat.

2.6 ORGANIZATION. The Board shall designate either the Chairman of the Board of Directors or the Chief Executive Officer to act as chairman of every meeting of shareholders. Notwithstanding such designation, in the absence of the Chairman from the meeting, the Chief Executive Officer shall act as chairman of the meeting, and in the absence of the Chief Executive Officer, the Chairman shall act as chairman of the meeting. In the absence of both the Chairman and the Chief Executive Officer, the chairman of the meeting shall be an officer of the Corporation designated by the Board. The Secretary, or in his absence, one of the Vice Presidents not acting as chairman of the meeting, shall act as secretary of the meeting. In case none of the officers above designated to act as chairman or secretary of the meeting, respectively, shall be present, a chairman or a secretary of the meeting, as the case may be, shall be chosen by a majority of the votes cast at such meeting by the holders of shares present in person, or represented by proxy and entitled to vote at the meeting.

2.7 ORDER OF BUSINESS. The order of business at all meetings of shareholders shall be as determined by the Chairman of the meeting, but the order of business to be followed at any meeting at which a quorum is present may be changed by a majority of the votes cast at such meeting by the holders of shares present in person or represented by proxy and entitled to vote at the meeting.

ARTICLE 3

DIRECTORS

3.1 BOARD OF DIRECTORS. Except as otherwise provided in the Certificate of Incorporation, the affairs of the Corporation shall be managed and its corporate powers exercised by its Board. In addition to the powers expressly conferred by the Bylaws, the Board may exercise all powers and perform all acts which are not required, by the Bylaws or the Certificate of Incorporation or by law, to be exercised and performed by the shareholders.

3.2 NUMBER; QUALIFICATION; TERM OF OFFICE. Subject to Section 702(b) of the Business Corporation Law, the number of Directors constituting the Entire Board may be changed from time to time by action of the shareholders or the Board, provided that such number shall not be less than five or more than fifteen. The Directors shall be elected each year for a term as provided in the Certificate of Incorporation.

3.3 ELECTION. Except as otherwise provided by the Certificate of Incorporation, these bylaws or by law, a nominee for director shall be elected to the Board if a majority of the votes cast are in favor of such nominee’s election; provided, however, that if the number of nominees for election to the Board exceeds the number of Directors to be elected, Directors shall be elected by a plurality of the votes of the shares represented in person or by proxy at any meeting of stockholders held to elect Directors and entitled to vote on such election of Directors. For purposes of this Section 3.3, a majority of votes cast shall mean the number of votes cast “for” a Director’s election exceeds the number of votes cast “against” that Director’s election (with “abstentions” and “broker nonvotes” not counted as a vote cast either “for” or “against” that Director’s election). In the event that a nominee fails to receive an affirmative majority of the votes cast in any election where the number of nominees is less than or equal to the number of Directors to be elected, the Board, within its powers, may take any appropriate action, including decreasing the number of directors, filling a vacancy or, if such nominee is an existing Director, accepting such Director’s resignation as a Director in accordance with any applicable Corporation policy.

3.4 CHAIRMAN OF THE BOARD OF DIRECTORS. The Board shall designate one of their number as the Chairman. The Chairman shall, if present, preside at all meetings of the Board and may perform such other duties as from time to time may be assigned him by the Board. The Chairman shall be a member of such committees as the Board may from time to time determine.

3.5 NEWLY CREATED DIRECTORSHIP AND VACANCIES. Newly created directorships resulting from an increase in the number of Directors and vacancies occurring in the Board for any reason, may be filled by vote of a majority of the Directors then in office, although less than a quorum, at any meeting. Directors elected by the Board shall hold office until the next meeting of shareholders at which the election of directors is in the regular order of business, and until their successors have been elected and qualified.

3.6 RULES AND REGULATIONS. The Board of Directors may adopt such Rules and Regulations for the conduct of its meetings and the management of the affairs of the Company as it may deem proper, not inconsistent with the laws of the State of New York, or these Bylaws.

3.7 REGULAR MEETINGS. Regular meetings of the Board shall be held on the third Tuesday of February, May, August and November, unless otherwise specified by the Board, and may be held at such times and places as may be fixed from time to time by the Board, and may be held without notice.

3.8 SPECIAL MEETINGS. Special meetings of the Board shall be held whenever called by the Chairman, and a special meeting shall be called by the Chief Executive Officer or the Secretary at the written request of any seven Directors. Notice of the time and place of each special meeting of the Board shall, if mailed, be addressed to each Director at the address designated by him for that purpose or, if none is designated, at his last known address at least three days before the date on which the meeting is to be held; or such notice shall be sent to each Director at such address by telegraph, or similar means of communication, or be delivered to him personally, not later than the day before the date on which such meeting is to be held.

3.9 WAIVERS OF NOTICE. Anything in these Bylaws or in any resolution adopted by the Board to the contrary notwithstanding, notice of any meeting of the Board need not be given to any Director who submits a signed waiver of such notice, whether before or after such meeting, or who attends such meeting without protesting, prior thereto or at its commencement, the lack of notice to him.

3.10 ORGANIZATION. At each meeting of the Board, the Chairman of the Board or in the absence of the Chairman of the Board, a Chairman chosen by the majority of the Directors present, shall preside. The Secretary, or in the absence of the Secretary, a Vice President, shall act as Secretary at each meeting of the Board.

3.11 QUORUM AND VOTING. A majority of the Entire Board shall constitute a quorum for the transaction of business or of any specified item of business at any meeting of the Board. The affirmative vote of a majority of the Entire Board shall be necessary for the transaction of any business or specified item of business at any meeting of the Board, except that the affirmative vote of two-thirds of the Entire Board shall be necessary to change, amend or repeal any provision of the Certificate of Incorporation or Bylaws.

3.12 WRITTEN CONSENT OF DIRECTORS WITHOUT A MEETING. Any action required or permitted to be taken by the Board may be taken without a meeting if all members of the Board consent in writing to the adoption of a resolution authorizing the action. The resolution and the written consents thereto by the members of the Board shall be filed with the minutes of the proceedings of the Board.

3.13 PARTICIPATION IN MEETING OF BOARD BY MEANS OF CONFERENCE TELEPHONE OR SIMILAR COMMUNICATIONS EQUIPMENT. Any one or more members of the Board may participate in a meeting of the Board by means of a conference telephone or similar communications equipment allowing all persons participating in the meeting to hear each other at the same time. Participation by such means shall constitute presence in person at a meeting.

3.14 NOMINATIONS. Nominations for Directors, other than those made by or on behalf of the existing management of the Corporation, shall be made in writing and shall be delivered or mailed to the Board not less than (14) days nor more than fifty (50) days prior to any meeting of shareholders called for the election of Directors, provided, however, that if less than twenty-one (21) days notice of the meeting is given to shareholders, such nominations shall be mailed or delivered to the Board not later than the close of business on the seventh (7th) day following the day on which the notice of meeting was mailed.

ARTICLE 4

COMMITTEES

4.1 [Reserved]

4.2 OTHER COMMITTEES. The Board, by resolution adopted by a majority of the Entire Board, may designate from among its members such other standing or special committees as may seem necessary or desirable from time to time.

ARTICLE 5

OFFICERS

5.1 OFFICERS. The Board shall elect or appoint a Chairman and shall elect or appoint a President, either of which it shall designate the Chief Executive Officer. If so elected or appointed by the Board, the Chairman may be the Chief Executive Officer or President of the Corporation; in the absence of such an election or appointment, however, the Chairman shall not be authorized to act in the capacity of an officer of the Corporation except as expressly authorized by the Board. The Board shall also elect or appoint one or more Vice Presidents and a Secretary, and such other officers as it may from time to time determine. All officers shall hold their offices, respectively, at the pleasure of the Board. The Board may require any and all officers, clerks and employees to give a bond or other security for the faithful performance of their duties, in such amount and with such sureties as the Board may determine.

5.2 CHIEF EXECUTIVE OFFICER. The Chief Executive Officer of the Corporation shall have general supervision over the business of the Corporation, subject, however, to the control of the Board and of any duly authorized committee of Directors. The Chief Executive Officer shall preside, in the absence of the Chairman, at meetings of the Board. The Chief Executive Officer shall supervise the carrying out of policies adopted or approved by the Board. He may, with the Secretary or any other officer of the Corporation, sign certificates for shares of the Corporation. He may sign and execute, in the name of the Corporation, deeds, mortgages, bonds, contracts and other instruments, subject to any restrictions imposed by the Bylaws, Board or applicable laws, and, in general, he shall perform all duties incident to the office of the Chief Executive Officer and such other duties as from time to time may be assigned to him by the Board.

5.3 CHAIRMAN AND PRESIDENT. Either the Chairman or the President shall be designated the Chief Executive Officer of the Corporation. The President, if not so designated, shall perform such duties as from time to time may be assigned to him by the Board or by the Chief Executive Officer. The Chairman, if not designated the Chief Executive Officer, shall perform such duties as from time to time may be assigned to him by the Board, but not by the Chief Executive Officer.

5.4 OTHER OFFICERS. All the other officers of the Corporation shall perform all duties incident to their respective offices, subject to the supervision and direction of the Board and the Chief Executive Officer, and shall perform such other duties as may from time to time be assigned them by the Board or by the Chief Executive Officer. The President and any Vice President may also, with the Secretary, sign and execute, in the name of the Corporation, deeds, mortgages, bonds, contracts and other instruments, subject to any restrictions imposed by the Bylaws, Board or applicable laws.

ARTICLE 6

CONTRACTS, LOANS, ETC

6.1 EXECUTION OF CONTRACTS. The Board may authorize any officer, employee or agent, in the name and on behalf of the Corporation, to enter into any contract or execute and satisfy any instrument, and any such authority may be general or confined to specific instances, or otherwise limited.

6.2 LOANS. The Chief Executive Officer or any other officer, employee or agent authorized by the Board may effect loans and advances at any time for the Corporation from any bank, trust company or other institution or from any firm, corporation or individual, and for such loans and advances may make, execute and deliver promissory notes, bonds or other certificates or evidences of indebtedness of the Corporation, and when authorized so to do may pledge and hypothecate or transfer any securities or other property of the Corporation as security for any such loans or advances.

6.3 SIGNATURE AUTHORITY. The Chief Executive Officer shall from time to time authorize the appropriate officers and employees of the Corporation who are to sign, execute, acknowledge, verify and deliver or accept all agreements, conveyances, transfers, obligations, authentications, certificates and other documents and instruments and to affix the seal of the Corporation to any such document or instrument and to cause the same to be attested by the Secretary or Assistant Secretary.

ARTICLE 7

7.1 STOCK CERTIFICATES. Certificates representing shares of the Corporation, in such form as shall be determined from time to time by the Board, shall be signed by the Chief Executive Officer, the President, or any Vice President and the Secretary, and may be sealed with the seal of the Corporation or a facsimile thereof.

7.2 TRANSFER OF SHARES. Transfers of shares shall be made only on the book of the Corporation by the holder thereof or by his duly authorized attorney or a transfer agent of the Corporation, and on surrender of the certificate or certificates representing such shares properly endorsed for transfer and upon payment of all necessary transfer taxes. Every certificate exchanged, returned or surrendered to the Corporation shall be marked “Canceled”, with the date of cancellation, by the Secretary or the transfer agent of the Corporation. A person in whose name shares shall stand on the books of the Corporation shall be deemed the owner thereof to receive dividends, to vote as such owner and for all other purposes as respects the Corporation. No transfer of shares shall be valid as against the Corporation, its shareholders and creditors for any purpose, except to render the transferee liable for the debts of the Corporation to the extent provided by law, until such transfer shall have been entered on the books of the Corporation by an entry showing from and to whom transferred.

7.3 CLOSING OF TRANSFER BOOKS. The Board may prescribe a period prior to any shareholders’ meeting or prior to the payment of any dividend, not exceeding sixty days, during which no transfer of stock on the books of the Corporation may be made and may fix a day as provided by the Business Corporation Law as of which shareholders entitled to notice and to vote at such meeting shall be determined.

7.4 TRANSFER AND REGISTRY AGENTS. The Corporation may from time to time maintain one or more transfer offices or agents and registry officer or agents at such place or places as may be determined from time to time by the Board.

7.5 LOST, DESTROYED, STOLEN AND MUTILATED CERTIFICATES. If the holder of any shares shall notify the Corporation of any loss, destruction, theft or mutilation of the certificate or certificates representing such shares, the Corporation may issue a new certificate or certificates to replace the old, upon such conditions as may be specified by the Board consistent with applicable laws.

ARTICLE 8

EMERGENCIES

8.1 OPERATION DURING EMERGENCY. In the event of a state of emergency declared by the President of the United States or the person performing his functions or by the Governor of the State of New York or by the person performing his functions, the officers and employees of the Corporation shall continue to conduct the affairs of the Corporation under such guidance from the Directors as may be available except as to matters which by statute require specific approval of the Board of Directors and subject to conformance with any governmental directives during the emergency.

8.2 OFFICERS PRO TEMPORE DURING EMERGENCY. The Board of Directors shall have power, in the absence or disability of any officer, or upon the refusal of any officer to act, to delegate and prescribe such officer’s powers and duties to any other officer for the time being.

8.3 DISASTER. In the event of a state of emergency resulting from disaster of sufficient severity to prevent the conduct and management of the affairs and business of the Corporation by the Directors and officers as contemplated by these Bylaws, any three or more available members of the Board of Directors shall be responsible for the full conduct and management of the affairs and business of the Corporation, notwithstanding any other provision of these Bylaws, and such directors shall further be empowered to exercise all powers reserved to any and all committees of the Board established pursuant to Article 4 of these Bylaws, until such time as the incumbent Board or a reconstituted Board is capable of assuming full conduct and management of such affairs and business.

ARTICLE 9

SEAL

9.1 SEAL. The Board may adopt a corporate seal which shall be in the form of a circle and shall bear the full name of the Corporation and the year and State of its incorporation.

ARTICLE 10

FISCAL YEAR

10.1 FISCAL YEAR. The fiscal year of the Corporation shall be determined, and may be changed, by resolution of the Board.

ARTICLE 11

VOTING OF SHARES HELD

11.1 VOTING OF SHARES HELD BY THE CORPORATION. Unless otherwise provided by resolution of the Board and excepting the shares of any subsidiary company of the Corporation which are to be voted in accordance with the resolution of the Board, the Chief Executive Officer may from time to time appoint one or more attorneys or agents of the Corporation, in the name and on behalf of the Corporation, to cast the votes which the Corporation may be entitled to cast as a shareholder or otherwise in any other corporation, any of whose shares or securities may be held by the Corporation, at meetings of the holders of the shares or other securities of such other corporation and to consent in writing to any action by any such other corporation, and may instruct the person or persons so appointed as to the manner of casting such votes or giving such consent, and may execute or cause to be executed on behalf of the Corporation and under its corporate seal, or otherwise, such written proxies, consents, waivers or other instruments as he may deem necessary or proper in the premises; or the Chief Executive Officer may himself attend any meeting of the holders of the shares or other securities of any such other corporation and thereat vote or exercise any or all other powers of the Corporation as the holder of such shares or other securities of such other corporation.

ARTICLE 12

AMENDMENTS TO BYLAWS

12.1 AMENDMENTS. The Bylaws or any of them may be altered, amended, supplemented or repealed, or new Bylaws may be adopted by a vote of the holders of at least two-thirds of the shares entitled to vote at any regular or special meeting of shareholders, or by a vote of at least two- thirds of the Entire Board of Directors at any regular or special meeting thereof, provided notice of such proposed changes has been set forth in the notice of meeting of shareholders or Directors.

ARTICLE 13

INDEMNIFICATION OF DIRECTORS AND OFFICERS

Section 13.1. Indemnification (a) The Corporation shall indemnify to the fullest extent now or hereafter provided for or permitted by law each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, arbitration, alternative dispute resolution mechanism, investigation, administrative or legislative hearing or any other actual, threatened, pending or completed proceeding, whether civil, at law, in equity, criminal, administrative investigative or otherwise, or whether formal or informal, and including an action by or in the right of the Corporation or any other corporation, or any partnership, joint venture, trust, employee benefit plan or other enterprise, whether profit or non-profit (any such entity, other than the Corporation, being hereinafter referred to as an “Enterprise”) and including appeals therein (any such process being referred to as a “Proceeding”), by reason of the fact that such person (i) is or was a director or officer of the Corporation, or (ii) while serving as a director or officer of the Corporation, is or was serving, at the request of the Corporation, as director, officer or in any other capacity, any other Enterprise, including attorney’s fees, actually and reasonably incurred as a result of or in connection with any Proceeding, or any appeal therein, except as provided in Section 13.1(b) and Section 13.4 herein.

(b) No indemnification shall be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that (i) such person’s acts were committed in bad faith; (ii) were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated; (iii) that such person gained in fact in a financial profit or other advantage to which such person was not legally entitled; or (iv) in the event of criminal charges, that the person had reason to believe that such conduct was unlawful. In addition, no indemnification shall be made with respect to any Proceeding initiated by any such person against the Corporation, or a director or officer of the Corporation, other than to enforce the terms of this Article 13, unless such Proceeding was authorized by the board of directors. Further, no indemnification shall be made with respect to any settlement or compromise of any Proceeding unless and until the Corporation has consented to such settlement or compromise, which consent shall not be unreasonably withheld.

(c) A person who has been successful, on the merits or otherwise, in the defense of a Proceeding shall be entitled to indemnification as authorized in this Article. Except as provided in the preceding sentence and unless ordered by a court, indemnification under this bylaw shall be made by the Corporation if, and only if, authorized in the specific case:

(1) By the board of directors acting by a quorum consisting of directors who are not parties to such Proceeding upon a finding that the conduct of the director or officer was not such that indemnification would be prohibited pursuant to Section 13.1(b), or

(2) If such a quorum is not obtainable or, even if obtainable, a quorum of disinterested directors so directs

(A) By the board upon the opinion in writing of independent legal counsel that indemnification is proper in the circumstances because the conduct of the director or officer was not such that indemnification would be prohibited pursuant to Section 13.1(b), or

(B) By the shareholders upon a finding that the conduct of the director or officer was not such that indemnification would be prohibited pursuant to Section 13.1(b).

(d) Persons covered under Section 13.1(a) shall be entitled to indemnification for any part of any Proceeding for which it is found that the conduct of the director or officer was not such that indemnification would be prohibited pursuant to Section 13.1(b). In making any determination regarding any person’s entitlement to indemnification, each charge, claim, or issue shall be reviewed individually under Section 13.1(c) herein.

(e) Written notice of any Proceeding for which indemnification may be sought by any person shall be given to the Corporation as soon as practicable. The Corporation shall then be permitted to participate in the defense of any such proceeding or, unless conflicts of interest or position exist between such person and the Corporation in the conduct of such defense, to assume such defense. In the even that the Corporation assumes the defense of any such Proceeding, legal counsel selected by the Corporation shall be acceptable to such person. After such an assumption, the Corporation shall be liable to such person for any legal or other expenses subsequently incurred only to the extent that independent counsel is retained on behalf of such person to provide advice regarding conflicts of interest and to monitor such Proceeding to the extent necessary to allow such independent counsel to assume such person’s defense in the Proceeding in the event that a subsequent conflict of interest makes further conduct of the defense by the Corporation impracticable. The Corporation shall not be liable for any additional legal or other expenses incurred subsequent to the Corporation’s assumption of a defense, other than those specifically excepted in the previous sentence, unless expressly authorized by the Corporation. In the event that the Corporation participates in the defense of any such Proceeding and such person selects counsel to represent such person in regard to such a Proceeding; such person shall cooperate in good faith with any request that common counsel be utilized by the parties to any Proceeding who are similarly situated, unless to do so would be inappropriate due to actual or potential differing interests between or among such parties.

(f) In making any determination regarding any person’s entitlement to indemnification hereunder, it shall be presumed that such person is entitled to indemnification, and the Corporation shall have the burden of proving the contrary.

Section 13.2 Advancement of Expenses Except in the case of a Proceeding against a director or officer specifically approved by the board of directors or as provided in Section 13.4, the Corporation shall, subject to Section 13.1 above, advance or promptly reimburse payment for expenses actually and reasonably incurred by or on behalf of a director or officer in defending any Proceeding in advance of the final disposition of such Proceeding. Such payments shall be made promptly upon receipt by the Corporation, from time to time, of a written demand of such person for such advancement, together with an undertaking by or on behalf of such person to repay any expenses so advanced to the extent that the person receiving the advancement is ultimately found not to be entitled to indemnification for part or all of such expenses or, where indemnification is granted, to the extent such advances exceed the indemnification to which he is entitled.

Section 13.3 Rights Not Exclusive The rights to indemnification and advancement of expenses granted by or pursuant to this Article 13: (i) shall not limit or exclude, but shall be in addition to, any other rights which may be granted by or pursuant to any statute, corporation charter, bylaw, resolution of shareholders or directors or agreement; (ii) shall be deemed to constitute contractual obligations of the Corporation to any director or officer who serves in a capacity referred to in Section 13.1 at any time during which this Article 13 is in effect; (iii) shall continue to exist after the repeal or modification of this Article 13 with respect to events occurring prior thereto; and (iv) shall continue as to a person who has ceased to be a director or officer and shall inure to the benefit of the estate, spouse, heirs, executors, administrators or assigns of such person. It is the intent of the Corporation through this Article 13 to require the Corporation to indemnify the persons referred to herein for the aforementioned judgments, fines, penalties, amounts paid in settlement, and expenses, including attorney’s fees, in each and every circumstance in which such indemnification could lawfully be permitted by express provisions of bylaws, and the indemnification required by the Article 13 shall not be limited by the absence of an express recital of such circumstances. It is expressly recognized hereby that all directors or officers of the Corporation by serving as such after the adoption of this bylaw, are acting in reliance hereon and that the Corporation is estopped to contend otherwise. This Article shall be binding on any successor to the Corporation, including any corporation or other entity which acquires all or substantially all of the Corporation’s assets in one or more transactions.

Section 13.4 Regulatory Enforcement Actions. Except as otherwise permitted by 12 U.S.C. Section 1828(k) (or any successor provision thereto) and the regulations promulgated thereunder, the Corporation shall not indemnify directors, officers or employees against expenses, penalties or other payments incurred in an administrative proceeding or action instituted by an appropriate bank regulatory agency which proceeding or action results in a final order assessing civil money penalties or requiring affirmative action by an individual or individuals in the form of payments to the Corporation. The Corporation shall not advance expenses pursuant to Section 13.2 in connection with any administrative proceeding by a federal bank regulatory agency that could result in an order assessing penalties or requiring payments to the Corporation, unless any and all conditions to such advancement in effect at the time of such advancement pursuant to applicable federal banking law and regulations, including the interpretations thereof by the appropriate federal bank regulatory agency, have been satisfied. Except as otherwise permitted by 12 U.S.C. Section 1828(k) (or any successor provision thereto) and the regulations promulgated thereunder Any insurance provided pursuant to Section 13.6 herein shall not cover directors, officers or employees against expenses, penalties or other payments incurred in an administrative proceeding or action instituted by an appropriate bank regulatory agency which proceeding or action results in a final order assessing civil money penalties against any such director, officer or employee.

Section 13.5 Authorization of Contracts The Corporation may, with the approval of the board of directors, enter into an agreement with any person who is, or is about to become, a director, officer, employee or agent of the Corporation, or who is serving, or is about to serve, at the request of the Corporation, as a director, officer or in any other capacity, any other Enterprise; which agreement may provide for indemnification of such person and advancement of expenses to such person upon terms, and the extent, not prohibited by law. The failure to enter into any such agreement shall not affect or limit the rights of any such person under this Article 13.

Section 13.6 Insurance The Corporation may, but is not required to, purchase and maintain insurance (i) to indemnify itself against any obligation it incurs as a result of indemnification of any person, as authorized herein, and (ii) to indemnify any person who is a director, officer, employee, or agent of the Corporation, or is or was serving at the request of the Corporation as a director, officer, employee or agent of another Enterprise against any liability asserted against such person and incurred by such person in such capacity or arising out of such status, except as provided in Section 13.4 herein.

Section 13.7 Severability If this Article XI or any part hereof shall be held unenforceable in any respect by a court of competent jurisdiction, it shall be deemed modified to the minimum extent necessary to make it enforceable, and the remainder of the Article 13 shall remain fully enforceable.

I, Michael Hall, Secretary of TrustCo Bank Corp NY, Glenville, New York, hereby certify that the foregoing is a complete, true and correct copy of the Amended and Restated Bylaws of TrustCo Bank Corp NY, and that the same are in full force and effect at this date.

	/s/ Michael Hall
	Secretary
	Date: May 23, 2019

New York		14-1630287
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

5 SARNOWSKI DRIVE, GLENVILLE, New York		12302
(Address of principal executive offices)		(Zip Code)

Title of each class	Trading Symbol (s)	Name of each exchange on which registered
Common Stock, $1.00 par value	TRST	The Nasdaq Global Select Market

Large Accelerated Filer ☒	Accelerated filer ☐	Non-accelerated filer ☐
Smaller reporting company ☐	Emerging growth company ☐

Common Stock	Number of Shares Outstanding as of July 31, 2019
$1 Par Value	96,910,157

Part I.	FINANCIAL INFORMATION	PAGE NO.
Item 1.	Consolidated Interim Financial Statements (Unaudited):

	Consolidated Statements of Income for the three-month and six-month periods ended June 30, 2019 and 2018	3

	Consolidated Statements of Comprehensive Income for the three-month and six-month periods ended June 30, 2019 and 2018	4

	Consolidated Statements of Financial Condition as of June 30, 2019 and December 31, 2018	5

	Consolidated Statements of Changes in Shareholders’ Equity for the six-month periods ended June 30, 2019 and 2018	6

	Consolidated Statements of Cash Flows for the six-month periods ended June 30, 2019 and 2018	7

	Notes to Consolidated Interim Financial Statements	8-40

	Report of Independent Registered Public Accounting Firm	41

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	42-61

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	62

Item 4.	Controls and Procedures	62

Part II.	OTHER INFORMATION

Item 1.	Legal Proceedings	63

Item 1A.	Risk Factors	63

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	63

Item 3.	Defaults Upon Senior Securities	63

Item 4.	Mine Safety	63

Item 5.	Other Information	63

Item 6.	Exhibits	63

	Three months ended June 30,					Six months ended June 30,
	2019			2018		2019			2018

Interest and dividend income:
Interest and fees on loans	$	41,432			38,956		82,685			77,047
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		821			787		1,604			1,537
State and political subdivisions		3			6		4			13
Mortgage-backed securities and collateralized mortgage obligations		2,152			1,670		3,707			3,475
Corporate bonds		272			150		480			283
Small Business Administration-guaranteed participation securities		289			333		586			685
Other securities		5			4		10			9
Total interest and dividends on securities available for sale		3,542			2,950		6,391			6,002

Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		209			244		426			504
Total interest on held to maturity securities		209			244		426			504

Federal Reserve Bank and Federal Home Loan Bank stock		199			198		284			275
Interest on federal funds sold and other short-term investments		3,282			2,467		6,291			4,484
Total interest income		48,664			44,815		96,077			88,312

Interest expense:
Interest on deposits:
Interest-bearing checking		94			112		215			218
Savings accounts		367			420		744			839
Money market deposit accounts		1,119			452		1,945			891
Time deposits		7,512			3,439		13,488			6,299
Interest on short-term borrowings		381			283		762			641
Total interest expense		9,473			4,706		17,154			8,888

Net interest income		39,191			40,109		78,923			79,424
(Credit) Provision for loan losses		(341	)		300		(41	)		600
Net interest income after provision for loan losses		39,532			39,809		78,964			78,824

Noninterest income:
Trustco financial services income		1,683			1,596		3,416			3,411
Fees for services to customers		2,611			2,677		5,131			5,322
Other		620			222		1,004			441
Total noninterest income		4,914			4,495		9,551			9,174

Noninterest expenses:
Salaries and employee benefits		11,711			10,741		23,162			21,163
Net occupancy expense		4,006			4,101		8,173			8,416
Equipment expense		1,709			1,793		3,611			3,544
Professional services		1,568			1,814		3,218			3,244
Outsourced services		1,875			1,825		3,800			3,750
Advertising expense		778			670		1,563			1,300
FDIC and other insurance		598			514		1,246			1,537
Other real estate expense, net		210			294		186			666
Other		2,447			2,343		4,810			4,630
Total noninterest expenses		24,902			24,095		49,769			48,250

Income before taxes		19,544			20,209		38,746			39,748
Income taxes		4,877			4,804		9,521			9,535

Net income	$	14,667			15,405	$	29,225			30,213

Net income per share:
- Basic	$	0.152			0.160	$	0.302			0.313

- Diluted	$	0.151			0.160	$	0.302			0.313

	June 30, 2019			December 31, 2018
ASSETS:

Cash and due from banks	$	42,471			49,260

Federal funds sold and other short term investments		517,684			454,449
Total cash and cash equivalents		560,155			503,709

Securities available for sale		633,540			501,463

Held to maturity securities (fair value 2019 $21,623; 2018 $22,924)		20,667			22,501

Federal Reserve Bank and Federal Home Loan Bank stock		9,183			8,953

Loans, net of deferred net costs		3,906,409			3,874,096
Less:
Allowance for loan losses		44,365			44,766
Net loans		3,862,044			3,829,330

Bank premises and equipment, net		34,058			34,694
Operating lease right-of-use assets		51,097			-
Other assets		56,926			58,263

Total assets	$	5,227,670			4,958,913

LIABILITIES:
Deposits:
Demand	$	432,780			405,069
Interest-bearing checking		888,433			904,678
Savings accounts		1,132,308			1,182,683
Money market deposit accounts		562,318			507,311
Time deposits		1,446,428			1,274,506
Total deposits		4,462,267			4,274,247

Short-term borrowings		166,746			161,893
Operating lease liabilities		56,237			-
Accrued expenses and other liabilities		26,790			32,902

Total liabilities		4,712,040			4,469,042

SHAREHOLDERS’ EQUITY:
Capital stock par value $1; 150,000,000 shares authorized; 100,180,132 and 100,175,032 shares issued at June 30, 2019 and December 31, 2018, respectively		100,180			100,175
Surplus		176,396			176,710
Undivided profits		272,433			256,397
Accumulated other comprehensive loss, net of tax		(1,774	)		(10,309	)
Treasury stock at cost - 3,357,831 and 3,516,440 shares at June 30, 2019 and December 31, 2018, respectively		(31,605	)		(33,102	)

Total shareholders’ equity		515,630			489,871

Total liabilities and shareholders’ equity	$	5,227,670			4,958,913

	Capital Stock		Surplus			Undivided Profits			Accumulated Other Comprehensive (Loss) Income			Treasury Stock			Total

Beginning balance, January 1, 2018	$	99,998		175,651			219,436			(1,806	)		(34,971	)		458,308
Net income		-		-			14,808			-			-			14,808
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		-		-			1,346			(1,346	)		-			-
Other comprehensive loss, net of tax		-		-			-			(5,338	)		-			(5,338	)
Cash dividend declared, $0.0656 per share		-		-			(6,323	)		-			-			(6,323	)
Stock options exercised (4,000 shares)		4		16			-			-			-			20
Sale of treasury stock (65,289 shares)		-		(21	)		-			-			615			594
Stock based compensation expense		-		28			-			-			-			28

Ending balance, March 31, 2018	$	100,002		175,674			229,267			(8,490	)		(34,356	)		462,097
Net income		-		-			15,405			-			-			15,405
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		-		-			-			-			-			-
Other comprehensive loss, net of tax		-		-			-			(1,306	)		-			(1,306	)
Cash dividend declared, $0.0656 per share		-		-			(6,330	)		-			-			(6,330	)
Stock options exercised (91,200 shares)		91		592			-			-			-			683
Purchase of treasury stock (45,509 shares)		-		-			-			-			(379	)		(379	)
Sale of treasury stock (70,792 shares)		-		(72	)		-			-			668			596
Stock based compensation expense		-		49			-			-			-			49

Ending balance, June 30, 2018	$	100,093		176,243			238,342			(9,796	)		(34,067	)		470,815

Beginning balance, January 1, 2019	$	100,175		176,710			256,397			(10,309	)		(33,102	)		489,871
Net income		-		-			14,558			-			-			14,558
Other comprehensive income, net of tax		-		-			-			3,298			-			3,298
Stock options exercised (5,100 shares)		5		30			-			-			-			35
Cash dividend declared, $0.068125 per share		-		-			(6,591	)		-			-			(6,591	)
Purchase of treasury stock (4,131 shares)		-		-			-			-			(35	)		(35	)
Sale of treasury stock (86,297 shares)		-		(218	)		-			-			812			594
Stock based compensation expense		-		(12	)		-			-			-			(12	)

Ending balance, March 31, 2019	$	100,180		176,510			264,364			(7,011	)		(32,325	)		501,718
Net income		-		-			14,667			-			-			14,667
Other comprehensive income, net of tax		-		-			-			5,237			-			5,237
Cash dividend declared, $0.068125 per share		-		-			(6,598	)		-			-			(6,598	)
Sale of treasury stock (76,443 shares)		-		(120	)		-			-			720			600
Stock based compensation expense		-		6			-			-			-			6

Ending balance, June 30, 2019	$	100,180		176,396			272,433			(1,774	)		(31,605	)		515,630

	Six months ended June 30,
	2019			2018

Cash flows from operating activities:
Net income	$	29,225			30,213

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation		1,982			1,946
Amortization of right-of-use asset		2,941			-
Net gain on sale of other real estate owned		(465	)		(220	)
Writedown of other real estate owned		276			230
(Credit) provision for loan losses		(41	)		600
Deferred tax expense		660			70
Net amortization of securities		1,313			1,725
Stock based compensation expense		(6	)		77
Net gain on sale of bank premises and equipment		(2	)		-
Decrease in taxes receivable		1,038			1,311
(Increase) Decrease in interest receivable		(996	)		112
Increase in interest payable		528			158
Increase in other assets		(1,647	)		(1,439	)
Decrease in operating lease liabilities		(2,983	)		-
Decrease in accrued expenses and other liabilities		(1,469	)		(1,784	)
Total adjustments		1,129			2,786
Net cash provided by operating activities		30,354			32,999

Cash flows from investing activities:
Proceeds from calls of securities available for sale		44,450			49,481
Proceeds from calls and maturities of held to maturity securities		1,754			2,821
Purchases of securities available for sale		(176,045	)		(60,088	)
Proceeds from maturities of securities available for sale		10,052			45,000
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock		(230	)		(174	)
Net increase in loans		(35,385	)		(106,869	)
Proceeds from dispositions of other real estate owned		1,951			2,521
Proceeds from dispositions of bank premises and equipment		2			-
Purchases of bank premises and equipment		(1,346	)		(2,310	)
Net cash used in investing activities		(154,797	)		(69,618	)

Cash flows from financing activities:
Net increase in deposits		188,020			81,944
Net increase (decrease) in short-term borrowings		4,853			(60,286	)
Proceeds from exercise of stock options		35			703
Stock based award tax withholding payments		-			(37	)
Proceeds from sale of treasury stock		1,194			1,190
Purchases of treasury stock		(35	)		(379	)
Dividends paid		(13,178	)		(12,640	)
Net cash provided by financing activities		180,889			10,495
Net increase in cash and cash equivalents		56,446			(26,124	)
Cash and cash equivalents at beginning of period		503,709			612,740
Cash and cash equivalents at end of period	$	560,155			586,616

Supplemental Disclosure of Cash Flow Information:
Cash paid during the year for:
Interest paid	$	16,626			4,549
Income taxes paid		8,332			6,524
Other non cash items:
Transfer of loans to other real estate owned		2,712			1,854
Increase in dividends payable		11			13
Change in unrealized gain (loss) on securities available for sale-gross of deferred taxes		11,767			(8,830	)
Change in deferred tax effect on unrealized (gain) loss on securities available for sale		(3,058	)		2,284
Amortization of net actuarial gain and prior service cost on pension and postretirement plans		(235	)		(133	)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans		61			35

(in thousands, except per share data)	For the three months ended June 30,				For the six months ended June 30,
	2019		2018		2019		2018
Net income	$	14,667		15,405	$	29,225		30,213
Weighted average common shares		96,822		96,449		96,784		96,401
Stock Options		69		131		73		134
Weighted average common shares including potential dilutive shares		96,891		96,580		96,857		96,535

Basic EPS	$	0.152		0.160	$	0.302		0.313

Diluted EPS	$	0.151		0.160	$	0.302		0.313

	Three months ended June 30,
	Pension Benefits						Other Postretirement Benefits
(dollars in thousands)	2019			2018			2019			2018

Service cost	$	13			6			14			26
Interest cost		307			273			60			55
Expected return on plan assets		(654	)		(819	)		(247	)		(191	)
Amortization of net (gain) loss		30			(17	)		(50	)		(89	)
Amortization of prior service cost		-			-			(82	)		22
Net periodic benefit	$	(304	)		(557	)		(305	)		(177	)

	June 30, 2019
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value

U.S. government sponsored enterprises	$	184,866		76		494		184,448
State and political subdivisions		166		4		-		170
Mortgage backed securities and collateralized mortgage obligations - residential		356,376		1,631		3,328		354,679
Corporate bonds		40,254		321		108		40,467
Small Business Administration - guaranteed participation securities		53,494		-		403		53,091
Other		685		-		-		685

Total Securities Available for Sale	$	635,841		2,032		4,333		633,540

	June 30, 2019
	Less than 12 months				12 months or more				Total
(dollars in thousands)	Fair Value		Gross Unreal. Loss		Fair Value		Gross Unreal. Loss		Fair Value		Gross Unreal. Loss

U.S. government sponsored enterprises	$	19,939		61		94,461		433		114,400		494
Mortgage backed securities and collateralized mortgage obligations - residential		4,025		24		243,286		3,304		247,311		3,328
Corporate bonds		14,892		108		-		-		14,892		108
Small Business Administration - guaranteed participation securities		-		-		53,091		403		53,091		403

Total	$	38,856		193		390,838		4,140	$	429,694		4,333

	June 30, 2019
(dollars in thousands)	New York and other states*		Florida		Total
Commercial:
Commercial real estate	$	153,550		14,404		167,954
Other		22,280		273		22,553
Real estate mortgage - 1 to 4 family:
First mortgages		2,461,857		876,259		3,338,116
Home equity loans		71,758		18,955		90,713
Home equity lines of credit		233,360		44,199		277,559
Installment		7,588		1,926		9,514
Total loans, net	$	2,950,393	$	956,016		3,906,409
Less: Allowance for loan losses						44,365
Net loans					$	3,862,044

Total:
(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 + Days Past Due		Total 30+ days Past Due		Current		Total Loans

Commercial:
Commercial real estate	$	478		-		-		478		167,476		167,954
Other		-		-		-		-		22,553		22,553
Real estate mortgage - 1 to 4 family:
First mortgages		3,301		1,754		11,986		17,041		3,321,075		3,338,116
Home equity loans		59		50		289		398		90,315		90,713
Home equity lines of credit		605		28		1,780		2,413		275,146		277,559
Installment		57		25		1		83		9,431		9,514

Total	$	4,500		1,857		14,056		20,413		3,885,996		3,906,409

	December 31, 2018
New York and other states*:
(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 + Days Past Due		Total 30+ days Past Due		Current		Total Loans

Commercial:
Commercial real estate	$	198		-		370		568		155,710		156,278
Other		-		-		-		-		24,330		24,330
Real estate mortgage - 1 to 4 family:
First mortgages		3,276		898		13,267		17,441		2,425,270		2,442,711
Home equity loans		158		94		212		464		71,059		71,523
Home equity lines of credit		963		348		1,691		3,002		240,763		243,765
Installment		44		29		2		75		9,387		9,462

Total	$	4,639		1,369		15,542		21,550		2,926,519		2,948,069

Florida:
(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 + Days Past Due		Total 30+ days Past Due		Current		Total Loans

Commercial:
Commercial real estate	$	-		-		-		-		15,275		15,275
Other		-		-		-		-		263		263
Real estate mortgage - 1 to 4 family:
First mortgages		417		407		721		1,545		843,621		845,166
Home equity loans		50		-		-		50		17,258		17,308
Home equity lines of credit		40		-		50		90		45,685		45,775
Installment		12		7		15		34		2,206		2,240

Total	$	519		414		786		1,719		924,308		926,027

Total:
(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 + Days Past Due		Total 30+ days Past Due		Current		Total Loans

Commercial:
Commercial real estate	$	198		-		370		568		170,985		171,553
Other		-		-		-		-		24,593		24,593
Real estate mortgage - 1 to 4 family:
First mortgages		3,693		1,305		13,988		18,986		3,268,891		3,287,877
Home equity loans		208		94		212		514		88,317		88,831
Home equity lines of credit		1,003		348		1,741		3,092		286,448		289,540
Installment		56		36		17		109		11,593		11,702

Total	$	5,158		1,783		16,328		23,269		3,850,827		3,874,096

	For the three months ended June 30, 2019
(dollars in thousands)	Commercial			Real Estate Mortgage- 1 to 4 Family			Installment			Total
Balance at beginning of period	$	3,734			39,985			952			44,671
Loans charged off:
New York and other states*		-			205			49			254
Florida		-			-			-			-
Total loan chargeoffs		-			205			49			254

Recoveries of loans previously charged off:
New York and other states*		1			259			4			264
Florida		-			25			-			25
Total recoveries		1			284			4			289
Net loans (recoveries) charged off		(1	)		(79	)		45			(35	)
(Credit) provision for loan losses		178			(101	)		(418	)		(341	)
Balance at end of period	$	3,913			39,963			489			44,365

	For the three months ended June 30, 2018
(dollars in thousands)	Commercial			Real Estate Mortgage- 1 to 4 Family		Installment		Total
Balance at beginning of period	$	4,255			39,359		765		44,379
Loans charged off:
New York and other states*		-			239		41		280
Florida		-			-		3		3
Total loan chargeoffs		-			239		44		283

Recoveries of loans previously charged off:
New York and other states*		1			89		14		104
Florida		-			-		3		3
Total recoveries		1			89		17		107
Net loans (recoveries) charged off		(1	)		150		27		176
Provision for loan losses		(61	)		262		99		300
Balance at end of period	$	4,195			39,471		837		44,503

	Six months ended June 30, 2019
	Commercial			Real Estate Mortgage- 1 to 4 Family		Installment			Total
Balance at beginning of period	$	4,048			39,772		946			44,766
Loans charged off:
New York and other states*		7			597		78			682
Florida		-			29		31			60
Total loan chargeoffs		7			626		109			742

Recoveries of loans previously charged off:
New York and other states*		4			333		10			347
Florida		-			35		-			35
Total recoveries		4			368		10			382
Net loans charged off		3			258		99			360
(Credit) provision for loan losses		(132	)		449		(358	)		(41	)
Balance at end of period	$	3,913			39,963		489			44,365

	Six months ended June 30, 2018
	Commercial			Real Estate Mortgage- 1 to 4 Family		Installment		Total
Balance at beginning of period	$	4,324			39,077		769		44,170
Loans charged off:
New York and other states*		-			370		112		482
Florida		-			-		6		6
Total loan chargeoffs		-			370		118		488

Recoveries of loans previously charged off:
New York and other states*		7			192		19		218
Florida		-			-		3		3
Total recoveries		7			192		22		221
Net loans (recoveries) charged off		(7	)		178		96		267
Provision (recoveries) for loan losses		(136	)		572		164		600
Balance at end of period	$	4,195			39,471		837		44,503

	June 30, 2019
(dollars in thousands)	Commercial Loans		1-to-4 Family Residential Real Estate		Installment Loans		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	-		-		-		-
Collectively evaluated for impairment		3,913		39,963		489		44,365

Total ending allowance balance	$	3,913		39,963		489		44,365

Loans:
Individually evaluated for impairment	$	1,696		19,084		-		20,780
Collectively evaluated for impairment		188,811		3,687,304		9,514		3,885,629

Total ending loans balance	$	190,507		3,706,388		9,514		3,906,409

Florida:
(dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment

Commercial:
Commercial real estate	$	109		109		-		112
Other		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		2,014		2,014		-		2,178
Home equity loans		81		81		-		83
Home equity lines of credit		251		251		-		253

Total	$	2,455		2,455		-		2,626

	Three months ended 6/30/2019						Three months ended 6/30/2018

New York and other states*:	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
(dollars in thousands)	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment

Commercial:
Commercial real estate		1	$	128		128		-	$	-		-
Real estate mortgage - 1 to 4 family:
First mortgages		5		718		718		2		125		125
Home equity loans		-		-		-		-		-		-
Home equity lines of credit		3		278		278		-		-		-

Total		9	$	1,124		1,124		2	$	125		125

	Six months ended 6/30/2019						Six months ended 6/30/2018

New York and other states*:	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
(dollars in thousands)	Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Number of Contracts		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment

Commercial:
Commercial real estate		1	$	128		128		-	$	-		-
Real estate mortgage - 1 to 4 family:
First mortgages		9		1,368		1,368		4		598		598
Home equity loans		-		-		-		-		-		-
Home equity lines of credit		3		278		278		2		208		208

Total		13	$	1,774		1,774		6	$	806		806

Florida: (dollars in thousands)	Number of Contracts		Recorded Investment		Number of Contracts		Recorded Investment

Commercial:
Commercial real estate		-	$	-		-	$	-
Real estate mortgage - 1 to 4 family:
First mortgages		-		-		1		72
Home equity lines of credit		-		-		-		-

Total		-	$	-		1	$	72

Florida:
(dollars in thousands)	Pass		Classified		Total

Commercial:
Commercial real estate	$	14,404		-		14,404
Other		273		-		273

	$	14,677		-		14,677

	December 31, 2018

New York and other states:
(dollars in thousands)	Pass		Classified		Total

Commercial:
Commercial real estate	$	152,045		4,233		156,278
Other		23,331		999		24,330

	$	175,376		5,232		180,608

	Fair Value Measurements at
	June 30, 2019 Using:
(dollars in thousands)	Carrying Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

Securities available for sale:
U.S. government sponsored enterprises	$	184,448	$	-	$	184,448	$	-
State and political subdivisions		170		-		170		-
Mortgage backed securities and collateralized mortgage obligations - residential		354,679		-		354,679		-
Corporate bonds		40,467		-		40,467		-
Small Business Administration- guaranteed participation securities		53,091		-		53,091		-
Other securities		685		-		685		-

Total securities available for sale	$	633,540	$	-	$	633,540	$	-

	Fair Value Measurements at
	December 31, 2018 Using:
(dollars in thousands)	Carrying Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)

Securities available for sale:
U.S. government sponsored enterprises	$	152,160	$	-	$	152,160	$	-
State and political subdivisions		173		-		173		-
Mortgage backed securities and collateralized mortgage obligations - residential		262,032		-		262,032		-
Corporate bonds		29,938		-		29,938		-
Small Business Administration- guaranteed participation securities		56,475		-		56,475		-
Other securities		685		-		685		-

Total securities available for sale	$	501,463	$	-	$	501,463	$	-

	Fair Value Measurements at
	June 30, 2019 Using:
(dollars in thousands)	Carrying Value		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Valuation technique	Unobservable inputs	Range (Weighted Average)

Other real estate owned	$	2,625	$	-	$	-	$	2,625	Sales comparison approach	Adjustments for differences between comparable sales		1% - 13% (4	%)

Impaired loans:
Real estate mortgage -1 to 4 family		216		-		-		216	Sales comparison approach	Adjustments for differences between comparable sales		7% - 17% (12	%)

(dollars in thousands)			Fair Value Measurements at
	Carrying		June 30, 2019 Using:
	Value		Level 1		Level 2		Level 3		Total
Financial assets:
Cash and cash equivalents	$	560,155		560,155		-		-		560,155
Securities available for sale		633,540		-		633,540		-		633,540
Held to maturity securities		20,667		-		21,623		-		21,623
Federal Reserve Bank and Federal
Home Loan Bank stock		9,183		N/A		N/A		N/A		N/A
Net loans		3,862,044		-		-		3,887,326		3,887,326
Accrued interest receivable		12,337		370		2,586		9,381		12,337
Financial liabilities:
Demand deposits		432,780		432,780		-		-		432,780
Interest bearing deposits		4,029,487		2,583,059		1,445,848		-		4,028,907
Short-term borrowings		166,746		-		166,746		-		166,746
Accrued interest payable		1,552		191		1,361		-		1,552

	Three months ended 6/30/2019
(dollars in thousands)	Balance at 4/1/2019			Other Comprehensive Income (loss)- Before Reclassifications			Amount reclassified from Accumulated Other Comprehensive Income		Other Comprehensive Income (loss)- Three months ended 6/30/2019			Balance at 6/30/2019

Net unrealized holding loss on securities available for sale, net of tax	$	(7,020	)		5,313			-		5,313			(1,707	)
Net change in overfunded position in pension and postretirement plans arising during the year, net of tax		423			-			-		-			423
Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax		(414	)		(76	)		-		(76	)		(490	)

Accumulated other comprehensive loss, net of tax	$	(7,011	)		5,237			-		5,237			(1,774	)

	Three months ended 6/30/2018
(dollars in thousands)	Balance at 4/1/2018			Other Comprehensive Income (loss)- Before Reclassifications			Amount reclassified from Accumulated Other Comprehensive Income			Other Comprehensive Income (loss)- Three months ended 6/30/2018			Balance at 6/30/2018

Net unrealized holding (gain) loss on securities available for sale, net of tax	$	(10,332	)		(1,244	)		-			(1,244	)		(11,576	)
Net change in net actuarial (gain) loss and prior service cost on pension and postretirement benefit plans, net of tax		3,188			-			(62	)		(62	)		3,126
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		(1,346	)		-			-			-			(1,346	)

Accumulated other comprehensive income (loss), net of tax	$	(8,490	)		(1,244	)		(62	)		(1,306	)		(9,796	)

	Six months ended 6/30/2019
(dollars in thousands)	Balance at 1/1/2019			Other Comprehensive Income (loss)- Before Reclassifications			Amount reclassified from Accumulated Other Comprehensive Income		Other Comprehensive Income (loss)- Three months ended 6/30/2019			Balance at 6/30/2019

Net unrealized holding loss on securities available for sale, net of tax	$	(10,416	)		8,709			-		8,709			(1,707	)
Net change in overfunded position in pension and postretirement plans arising during the year, net of tax		423			-			-		-			423
Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax		316			(174	)		-		(174	)		(490	)

Accumulated other comprehensive loss, net of tax	$	(10,309	)		8,535			-		8,535			(1,774	)

	Six months ended 6/30/2018
(dollars in thousands)	Balance at 1/1/2018			Other Comprehensive Income (loss)- Before Reclassifications			Amount reclassified from Accumulated Other Comprehensive Income			Other Comprehensive Income (loss)- Three months ended 6/30/2018			Balance at 6/30/2018

Net unrealized holding (gain) loss on securities available for sale, net of tax	$	(5,030	)		(6,546	)		-			(6,546	)		(11,576	)
Net change in net actuarial (gain) loss and prior service cost on pension and postretirement benefit plans, net of tax		3,224			-			(98	)		(98	)		3,126
Tax Cuts and Jobs Act of 2017, Reclassification from AOCI to Retained Earnings, Tax Effect		-			-			(1,346	)		-			(1,346	)

Accumulated other comprehensive income (loss), net of tax	$	(1,806	)		(6,546	)		(1,444	)		(6,644	)		(9,796	)

(dollars in thousands)	Three months ended						Six months ended
	June 30,						June 30,
	2019			2018			2019			2018			Affected Line Item in Financial Statements
Amortization of pension and postretirement benefit items:
Amortization of net actuarial gain (loss)	$	20			106		$	68			178		Salaries and employee benefits
Amortization of prior service cost		82			(22	)		167			(45	)	Salaries and employee benefits
Income tax benefit		(26	)		(22	)		(61	)		(35	)	Income taxes
Net of tax		76			62			174			98

Total reclassifications, net of tax	$	76			62		$	174			98