TRUSTCO BANK CORP N Y (Form: 10-Q, Received: 08/05/2021 15:38:32)

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Exhibit 3.1

CERTIFICATE OF AMENDMENT OF CERTIFICATE OF INCORPORATION OF

TRUSTCO BANK CORP N Y

Under Section 805 of the Business Corporation Law IT IS HEREBY CERTIFIED THAT:

The name of the corporation is TRUSTCO BANK CORP N Y.

The certificate of incorporation was filed by the New York Department of State on the 28th day of October, 1981 and was amended thereafter prior to the date hereof (as amended, the “Certificate of Incorporation”).

The subject matter of this Certificate of Amendment (this “Amendment”) by the Corporation is to effect a combination of its Common Stock, $1 par value (the “Common Stock”), which is to be effected by means of a one-share-for-five-shares combination of its Common Stock issued and outstanding or held in treasury and by reducing in the same proportion its authorized Common Stock from 150,000,000 authorized shares of Common Stock to 30,000,000 authorized shares of Common Stock. There is no impact on the par value of the Common Stock or on the number of the 500,000 authorized shares of Preferred Stock of the par value of $10 per share. In order to give effect to the foregoing combination of the Common Stock, effective upon filing of this Amendment, Section 4.1 of Article FOURTH of the Certificate of Incorporation is hereby amended to read in its entirety as follows:

“4.1 The total number of shares of Common Stock which the Corporation shall have authority to issue is 30,000,000 shares of the par value of $1 per share.

The total number of shares of Preferred Stock which the Corporation shall have authority to issue is 500,000 shares of the par value of $10 per share.

The Board of Directors of the Corporation shall have the authority to provide for the issuance of the Preferred Stock in one or more series, with such voting powers, full or limited, but not to exceed one vote per share, or without voting powers, and with such designations, conversion rights, redemption prices, dividend rates and similar matters, including preferences over shares of Common Stock or other series of Preferred Stock as to dividends or distributions of assets and relative participation, optional or other special rights, and qualifications, limitations or restrictions thereof, as shall be set forth in resolutions providing for the issuance thereof that may be adopted by the Board of Directors.”

Effective upon the filing of this Amendment, the Certificate of Incorporation is hereby further amended to add a new Section 4.3 to Article FOURTH which shall read as follows:

“4.3 Pursuant to the Business Corporation Law, effective upon the filing of this Certificate of Amendment of the Certificate of Incorporation with the New York State Department of State (the “Effective Time”), each five shares of the Corporation’s Common Stock, par value $1 per share, issued and outstanding immediately prior to the Effective Time (the “Old Shares”) shall automatically be combined into one validly issued, fully paid and non-assessable share of Common Stock without any further action by the Corporation or the holder thereof, subject to the treatment of fractional share interests as described below (the “Reverse Stock Split”). The Corporation shall not issue fractional shares in connection with the Reverse Stock Split. Registered holders of Old Shares who would otherwise be entitled to receive a fraction of a share on account of the Reverse Stock Split shall receive a cash amount (without interest) equal to, as the Corporation’s Board of Directors shall determine as of the Effective Time, either (i) each such shareholder’s proportionate interest in the proceeds, net of selling costs not paid and satisfied by the Corporation, from the aggregation and sale of the fractional shares by the transfer agent of the Corporation or (ii) the closing price of our Common Stock as reported on The Nasdaq Global Select Market on the trading day immediately preceding the Effective Time, as adjusted by the ratio of one share of Common Stock for every five shares of Common Stock, multiplied by the applicable fraction of a share.”

Immediately prior to the filing of this Amendment, 96,440,727.9 shares of Common Stock, $1 par value per share, were issued and outstanding, 3,778,479.6 shares of Common Stock, $1 par value per share, were held as treasury shares, 49,780,792.5 shares of Common Stock, $1 par value per share, were authorized for issuance but unissued, and 500,000 shares of Preferred Stock, par value $10 per share, were authorized for issuance but unissued. Immediately after the effectiveness of this Amendment, 19,282,935 shares of Common Stock, $1 par value per share, will be issued and outstanding, 755,695 shares of Common Stock, $1 par value per share, will be held as treasury shares, 9,961,370 shares of Common Stock, $1 par value per share, will be authorized for issuance but unissued, and 500,000 preferred shares, par value $10 per share, will be authorized for issuance but unissued.

The amendments to the Certificate of Incorporation were duly adopted in accordance with Section 803 of the Business Corporation Law of the State of New York (the “BCL”) by the Board of Directors of the Corporation and by affirmative vote of the holders of a majority of all outstanding shares of Common Stock entitled to vote thereon at a meeting of shareholders of the Corporation in accordance with Section 602 of the BCL.

IN WITNESS WHEREOF, the undersigned hereby affirms that statements made herein are true and under penalties of perjury.

Dated: May 27, 2021

/s/ Michael Hall

Michael Hall, Secretary

AMENDED AND RESTATED CERTIFICATE OF INCORPORATION

TRUSTCO BANK CORP NY

UNDER SECTION 807 OF THE BUSINESS CORPORATION LAW

We, Robert J. McCormick and Michael Hall, being respectively, the President and Chief Executive Officer and Secretary of TrustCo Bank Corp NY, certify:

FIRST. The name of the Corporation is TRUSTCO BANK CORP NY.

SECOND. The Certificate of Incorporation was filed by the Department of State on the twenty-eighth day of October, 1981. An Amended and Restated Certificate of Incorporation was filed by the Department of Sate on the fifteenth day of July 1988, and an Amendment to the Amended and Restated Certificate of Incorporation was filed by the Department of State on the twenty-ninth day of August 1991. A further Amended and Restated Certificate of Incorporation was filed by the department of state on the sixth day of August 1993, and Amendments to the Amended and Restated Certificate were filed by the Department of State on the fifth day of June 1996, and the fifth day of June 1997. A further Amended and Restated Certificate of Incorporation was filed the second day of October 1997, and amendments to the Amended and Restated Certificate of Incorporation were filed by the New York Department of State on the twentieth day of May 1999, the twenty-fifth day of June 2004, the sixth day of June 2006, and the twenty-third day of May 2019.

THIRD. The Certificate of Incorporation of the Corporation is restated as set forth in its entirety below. The Restated Certificate of Incorporation restates the text of the Certificate of Incorporation as amended on May 20, 1999, June 25, 2004, June 6, 2006 and May 23, 2019, which amendments (i) increased the number of authorized shares of common stock set forth in Section 4.1 of Article IV from 50,000,000 shares to 100,000,000 shares, (ii) changed the number of directors set forth in Article VI, (iii) further increased the number of authorized shares of common stock set forth in Section 4.1 of Article IV from 100,000,000 shares to 150,000,000 shares, (iv) eliminated the classified board set forth in Article VI to provide instead for the annual election of directors beginning at the 2020 annual meeting of the Corporation’s shareholders and (v) changed the voting requirements set forth in Article VIII. No additional changes or amendments are being made pursuant to this restatement. This Restated Certificate of Incorporation also changes the description in Article III of the location of the Corporation’s office and changes the address in Article V to which the Secretary of State shall mail a copy of any process against the Corporation served upon the Secretary of State. No additional changes or amendments are being made pursuant to this restatement.

FOURTH. The Certificate of Incorporation, as restated, is set forth below:

Article I

Name

1. The name of the corporation is:

TrustCo Bank Corp N Y

(hereinafter called the “Corporation”).

Article II

Purposes

2. Subject to any limitation provided in the Business Corporation Law or any other statute of the State of New York, and except as otherwise specifically provided in this Certificate, the purposes for which the Corporation is formed are:

2.1 To the extent that a corporation formed under the Business Corporation Law of the State of New York may lawfully do so, to acquire, own, control, hold with power to vote, deal in and with, and dispose of, in any manner, interests in financial institutions, including, without limitation, banks, trust companies, savings banks, national banking associations, savings and loan associations, industrial banks, investment banks, service banks, safe deposit companies, credit unions, and mutual trust investment companies, located within or without the State of New York, and to acquire, own, control, hold with power to vote, deal in and with, and dispose of, in any manner, interests in any other companies, corporations, partnerships, trusts, unincorporated associations, joint stock associations, and other entities, which are engaged in activities related to the business of banking.

2.2 To the extent that a corporation formed under the Business Corporation law of the State of New York may lawfully do so, to engage in, carry on, conduct, and participate in activities, enterprises and businesses permitted to be engaged in, carried on, conducted and participated in by bank holding companies under applicable provisions of law and also research, experimenting, manufacturing, assembling, building, erecting, trading, buying, selling, collecting, distributing, wholesaling, retailing, importing, exporting, processing, compounding, producing, refining, synthesizing, mining, extracting, growing, liquidating, dismantling, demolishing, servicing, promoting, exhibiting and publishing activities, enterprises and businesses; and also any activities, enterprises, ventures and businesses similar or incidental to any of the foregoing.

2.3 To create, acquire, hold, deal in and with, and dispose of, in any manner, any legal or equitable interest in real property and chattels real, and, without limiting the generality of the foregoing, to purchase, receive, take (by grant, gift, devise, bequest or otherwise), own, hold, improve, employ, use, operate, manage, repair, control, maintain, sell, assign, transfer, convey, exchange, lease, alter, construct, mortgage or encumber real property, whether improved or unimproved, and structures and improvements on real property, or leaseholds, or any other legal or equitable interests or rights therein.

2.4 To create, acquire, hold, deal in and with, and dispose of, in any manner, any legal or equitable interest in tangible or intangible personal property, and, without limiting the generality of the foregoing, to make, purchase, receive, take (by grant, gift, bequest, lease, exchange or otherwise), own, hold, improve, employ, use, operate, manage, repair, control, maintain, process, import, export, sell, assign, transfer, convey, exchange, lease or otherwise dispose of, mortgage, pledge or otherwise encumber or in any manner to exploit, turn to account, trade or deal in or with, personal property, whether tangible or intangible, or any other legal or equitable interests or rights therein.

2.5 To make, create, apply for, renew, take (by grant, gift, bequest or otherwise), purchase, lease or otherwise acquire, to hold, own, register, use, operate, to sell, assign, license, lease, transfer, exchange or otherwise dispose of, to mortgage, pledge or otherwise encumber, to acquire or grant licenses with respect to, or in any manner to exploit, turn to account, trade or deal in or with, copyrights, trademarks, service marks, designs, inventions, discoveries, improvements, developments, processes, formulas, patents, trade names, labels, prints, or any interest or right, whether legal or equitable, therein.

2.6 To purchase, take (by grant, gift, bequest or otherwise), receive, subscribe for, invest in or otherwise acquire, own, hold, employ, sell, lend, lease, exchange, transfer, assign, or otherwise dispose of, mortgage, pledge, use, and otherwise deal in and with, or in respect of shares, stock, bonds, debentures, warrants, rights, scrip, notes, evidences of indebtedness, certificates of interest or participation in profit-sharing agreements, collateral trust certificates, preorganization certificates and subscriptions, investment contracts, voting trust certificates, certificates of deposit or other securities or obligations of any kind by whomsoever issued (whether or not engaged in similar or different businesses, governmental or other activities); to exercise in respect thereof all powers and privileges of individual or corporate ownership or interest therein, including the right to vote thereon (by proxy or otherwise) for any and all purposes; to consent or otherwise act with respect thereto, without limitation and to issue in exchange therefor the Corporation’s shares, stock, bonds, debentures, warrants, rights, scrip, notes, evidences of indebtedness, or other securities or obligations of any kind.

2.7 To make contracts, incur debts and other liabilities, and borrow money on such terms and at such rate of interest as the Corporation may determine; and to mortgage, pledge, convey, assign, in trust or otherwise encumber or dispose of, the property, good will, franchises or other assets of the Corporation, including contract rights and including after-acquired property.

2.8 To lend money, with or without security; provided that the Corporation shall not have the power to engage in the business of banking.

2.9 To issue, reissue, sell, assign, exchange, pledge, negotiate or otherwise dispose of, to purchase, receive, take, own, hold or otherwise acquire, to deal in or with, or to cancel, shares, stock, bonds, debentures, warrants, rights, scrip, notes, evidences of indebtedness or other securities or obligations of the corporation of any kind, whether secured or unsecured, and whether or not convertible into or subordinated to any other class of securities.

2.10 In furtherance of its corporate business, to guarantee or assume liability for the payment of the principal of, or dividends or interest on, or sinking fund payments in respect of, shares, stock, bonds, debentures, warrants, rights, scrip, notes, evidences of indebtedness, certificates of interest or participation in profit-sharing agreements, collateral trust certificates, preorganization certificates and subscriptions, investment contracts, voting trust certificates, certificates of deposit, or other securities or obligations of any kind by whomsoever issued; and to guarantee or assume liability for the performance of any other contract or obligation, made or issued by any domestic or foreign corporation, partnership, association, trustee, group, individual or entity; and, when authorized in any manner provided by law, to give any guaranty although not in furtherance of the Corporation’s purposes.

2.11 In furtherance of its corporate business, to be a promoter, partner, co-venturer, member, associate or manager of other business enterprises or ventures, or to be an agent thereof, or to the extent permitted in any jurisdiction to be an incorporator of other corporations of any kind or type.

2.12 To cause to be formed under the laws of any state or country, to control or in any manner participate in the management of, to reorganize, merge, consolidate, and to liquidate or dissolve any corporation, association or organization of any kind.

2.13 To engage in, carry on, conduct and/or participate in any activity, enterprise or business which is similar or related to any activity, enterprise or business herein set forth, or which is capable of being conveniently carried on incidental to any such activity, enterprise or business or which may directly or indirectly protect or enhance the value of any of the rights or property of the Corporation.

2.14 To engage in, carry on, conduct and/or participate in any general or specific branch or phase of the activities, enterprises or businesses authorized in the Certificate in the State of New York or in any other state of the United States and in all foreign countries, and in all territories, possessions and other places, and in connection with the same, or any thereof, to be and acts either as principal, agents, contractors or otherwise.

2.15 To do everything necessary, suitable, convenient or proper for the accomplishment, attainment or furtherance of, to do every other act or thing incidental to, appurtenant to, growing out of or connected with, the purposes set forth in this Certificate, whether alone or in association with others; to possess all the rights, powers and privileges now or hereafter conferred by the laws of the State of New York upon a corporation organized under the Business Corporation Law of the State of New York (as the same may be amended from time to time) or any statute which may be enacted to supplement or replace it, and, in general, to carry on any of the activities and to do any of the things herein set forth to the same extent and as fully as a natural person or a partnership, association, corporation, or other entity, or any of them, might or could do; provided that nothing herein set forth shall be construed as authorizing the Corporation to possess any purpose, object or power, or to do any act or thing forbidden by law to a corporation organized under the Business Corporation Law of the State of New York.

The foregoing provisions of this Article shall be construed as purposes, objects and powers, and each as an independent purpose, object and power, in furtherance, and not in limitation, of the purposes, objects and powers granted to the Corporation by the laws of the State of New York; and except as otherwise specifically provided in any such provision, no purpose, object or power herein set forth shall be in any way limited or restricted by reference to, or inference from, any other provision of this Certificate.

Article III

Office

The office of the corporation is to be located in the County of Schenectady and State of New York.

Article IV

Number of Shares, Preemptive Rights Denied

4.1 The total number of shares of Common Stock which the Corporation shall have authority to issue is 150,000,000 shares of the par value of $1 per share.

The total number of shares of Preferred Stock which the Corporation shall have authority to issue is 500,000 shares of the par value of $10 per share.

4.2 No holder of shares of the Corporation shall be entitled as of right to subscribe for, purchase or receive any new or additional shares of any class, whether now or hereafter authorized, or any notes, bonds, debentures or other securities convertible into, or carrying options or warrants to purchase, shares of any class; but all such new or additional shares of any class, or notes, bonds, debentures or other securities convertible into, or carry options or warrants to purchase, shares of any class may be issued or disposed of by the Board of Directors to such persons and on such terms as it, in its absolute discretion, may deem advisable.

Article V

Designation of Secretary of State; Mailing Address

5. The Secretary of State is designated as the agent of the Corporation upon whom process in any action or proceeding against the Corporation may be served, and the address to which the Secretary of State shall mail a copy of process in any action or proceeding against the Corporation which may be served upon him is:

5 Sarnowski Drive

Glenville, New York 12302

Attn: Corporate Secretary

Article VI

Directors; Election and Classification

6. The entire Board of Directors shall consist of not less than five (5) members and not more than fifteen (15) members. Commencing with the 2020 annual meeting of shareholders, directors to succeed those whose terms expire at each annual meeting shall be elected to hold office for a term expiring at the next succeeding annual meeting of shareholders and until their respective successors are elected and have qualified or until their respective earlier displacement from office by resignation, removal or otherwise. Any director elected prior to the annual meeting of shareholders in 2020 for a term that expires at the annual meeting of shareholders in 2021 or the annual meeting of shareholders in 2022 shall continue to hold office until the end of the term for which such director was elected. The division of directors into classes shall terminate at the annual meeting of shareholders in 2022, from and after which all directors will stand for election annually.

The Board of Directors of the Corporation shall have the authority to establish from time to time the exact number of directors, as shall be set forth in resolutions that may be adopted by the Board of Directors.

Article VII

Duration

7. The duration of the Corporation is to be perpetual.

Article VIII

Shareholders – Quorum, Voting and Special Meeting

8. The holders of at least a majority of the outstanding Voting Stock of the Corporation shall be present in person or by proxy at any meeting of shareholders in order to constitute a quorum for the transaction of any business. 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 this 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. Except as otherwise provided in this Certificate of Incorporation or by law, an abstention shall not constitute a vote cast.

Article IX

Quorum and Voting Requirements at Directors’ Meeting

9. A majority of the Board of Directors shall be present at any meeting of Directors in order to constitute a quorum for the transaction of any business. The affirmative vote of a majority of the entire Board of Directors shall be necessary for the transaction of any business or specified items of business, except as otherwise provided in this Certificate, and except that, the affirmative vote of two-thirds of the entire Board of Directors shall be necessary to change, amend or repeal any provision of the Certificate of Incorporation or By-Laws.

Article X

Business Combination

10.1 Shareholder Approval of Business Combination -- Maximum Vote.

(A) Except as otherwise expressly provided in Section 10.2 of this Article X, the approval of any Business Combination (as hereinafter defined) shall, in addition to any affirmative vote required by law or any other provision of this Certificate of Incorporation or any preferred stock designation of the Corporation, require the affirmative vote of the holders of not less than two-thirds of the shares of the Corporation then entitled to vote generally in the election of directors of the Corporation (hereinafter in this Article X referred to as “Voting Stock”), voting together as a single class, with each share of Voting Stock to have one (1) vote.

(B) The term “Business Combination” as used in this Article X shall mean:

(i) any merger or consolidation of the Corporation or any Subsidiary (as hereinafter defined) with (a) any Substantial Shareholder (as hereinafter defined) or (b) any other corporation which, after such merger or consolidation, would be a Substantial Shareholder, regardless of which entity survives;

(ii) any sale, lease, exchange, mortgage, pledge, transfer or other disposition (in one transaction or a series of transactions) to or with any Substantial Shareholder of all or any significant part of the assets of the Corporation or any Subsidiary, or both, with a “significant part of the assets” to be defined as more than ten percent (10%) of the total assets of such entity as shown on its audited statement of condition as of the end of the most recent fiscal year ending prior to the time the particular transaction is announced;

(iii) the adoption of any plan or proposal for the liquidation or dissolution of the Corporation proposed by or on behalf of any Substantial Shareholder; or

(iv) any transaction involving the Corporation or any Subsidiary, including any issuance, transfer or reclassification of any securities of, or any recapitalization of, the Corporation or any Subsidiary, or any merger or consolidation of the Corporation with any Subsidiary (whether or not involving a Substantial Shareholder), if the transaction would have the effect, directly or indirectly, of increasing the proportionate share of the outstanding shares of any class of equity or convertible securities of the Corporation or any Subsidiary which is owned directly or indirectly by a Substantial Shareholder.

10.2 Exception to Maximum Vote Requirement.

The provision of Section 10.1 of this Article X shall not be applicable to any Business Combination, and such Business Combination shall require only such affirmative shareholder vote as is required by law or otherwise, if, in the case of a Business Combination which does not involve any cash or other consideration being received by shareholders of the Corporation (in their capacities as shareholders) the condition specified in the following paragraph (i) is met, or, in the case of any Business Combination, either the condition specified in the following paragraph (i) is met or the condition specified in the following paragraph (ii) is met:

(i) the Business Combination shall have been approved by two-thirds of the Disinterested Directors (as hereinafter defined), it being understood that this condition shall not be capable of satisfaction unless there is at least one Disinterested Director.

(ii) the consideration to be received per share by holders of Common Stock of the Corporation and by holders of each other class of Voting Stock outstanding, if any, shall be Fair Consideration (as hereinafter defined).

10.3 Definitions.

(A) “Fair Consideration” shall mean,

(i) in the case of shares of Common Stock, an amount in cash or readily available funds at least equal to the highest of the following (whether or not the Substantial Shareholder has previously acquired such shares):

(a) the highest per share price paid by the Substantial Shareholder for any such shares acquired by it within the three-year period immediately preceding the first public announcement of the proposal of the Business Combination (hereinafter referred to as the “Announcement Date”), plus an “Interest Adjustment” of such price, as defined hereafter in this Section 10.3(A);

(b) the highest reported per share price at which such shares were publicly traded during the three-year period immediately preceding the Announcement Date, plus an “Interest Adjustment” of such price, as defined hereafter in this Section 10.3(A);

(c) the per share fair market value of such shares on the Announcement Date, plus an “Interest Adjustment” of such value, as defined hereafter in this Section 10.3(A); or

(d) the book value per share of Common Stock as of the end of the latest fiscal quarter preceding the Announcement Date, plus an “Interest Adjustment” of such value, as defined hereafter in this Section 10.3(A).

(ii) and in the case of shares of any class of Voting Stock of the Corporation outstanding, an amount in cash or readily available funds at least equal to the highest of the following (whether or not the Substantial Shareholder has previously acquired any such shares);

(a) the highest per share price paid by the Substantial Shareholder for any such shares acquired by it within the three-year period immediately preceding the Announcement Date, plus an “interest Adjustment” of such price, as defined hereafter in this Section 10.3(A);

(c) the per share fair market value of such shares on the Announcement Date, plus an “Interest Adjustment” of such value, as defined hereafter in this Section 10.3(AA); or

(d) the highest preferential amount per share to which the holders of such shares are entitled in the event of voluntary or involuntary liquidation or dissolution of the Corporation.

An “Interest Adjustment” of any price or value per share for a class of shares under this Section 10.3(A) shall equal an amount of interest on such price or value compounded annually from the Announcement Date until the Consummation Date of the Business Combination (The “Consummation Date”), or, in the case of subdivisions (a) and (b) in each of the subsections (A)(i) and (A)(ii) in this Section 10.3, from the date of the Substantial Shareholder first became a Substantial Shareholder (the “Determination Date”) until the Consummation Date, at a market prime rate of interest as may be determined from time to time by a majority of the Disinterested Directors, less the aggregate amount of any cash dividends per share paid on such class of shares during such period up to but not in excess of such amount of interest.

(B) “Substantial Shareholder” shall mean and include any individual, corporation, partnership or other person or entity (other than the Corporation or any Subsidiary) which, together with its “Affiliates” and “Associates” (as such terms were defined as of December 11, 1984, in Rule 12b-2 under the Securities Exchange Act of 1934, is the “Beneficial Owner” (as determined in accordance with the criteria set forth as of December 11, 1984, under Rule 13d-3 under the Securities Exchange Act of 1934) in the aggregate of more than five percent (5%) of the voting power of the then-outstanding Voting Stock of the Corporation of any Affiliate or Associate of any such individual, corporation, partnership or other person or entity.

(C) “Subsidiary” shall mean any corporation of which a majority of any class of equity security is owned, directly or indirectly, by the Corporation.

(D) “Disinterested Director” shall mean any member of the Board of Directors of the Corporation (the “Board”) who is unaffiliated with the Substantial Shareholder and who was a member of the Board prior to the Determination Date or became a member of the Board after the Determination Date and was recommended or elected by a majority of Disinterested Directors then on the Board.

10.4 Interpretative Power of Disinterested Directors.

A majority of the Disinterested Directors from time to time shall have the power and duty to determine, on the basis of facts known to them after reasonable inquiry, all facts necessary to determine compliance with this Article X, including, without limitation, (1) whether a person or entity is a Substantial Shareholder, (2) whether the price in a proposed Business Combination is Fair Consideration, (3) the number of shares of Voting Stock beneficially owned by any person or entity at any given time, and (4) the fair market value as of any given date of the shares of any class of Voting Stock.

10.5 Alteration, Amendment and Repeal

Notwithstanding any other provision of this Certificate of Incorporation or any provision of law or any preferred stock designation of the Corporation which might otherwise permit a lesser vote or no vote, but in addition to any affirmative vote of the holders of any particular class or series of the Voting Stock required by law or this Certificate of Incorporation or any preferred stock designation of this Corporation, the affirmative vote of the holders of at least two-thirds of the voting power of the then-outstanding shares of Voting Stock, voting together as a single class, shall be required to alter, amend or repeal, or to adopt any provision inconsistent with, this Article X or any provision of this Article X.

Article XI

Limitation of Personal Liability

11. To the fullest extent that the Business Corporation Law of the State of New York, as the same exists or may hereafter be amended, permits elimination or a limitation of the liabilities of directors, no director of the corporation shall be liable to the corporation, or its shareholders for any breach of duty in such capacity. Any repeal or modification of this Article by the shareholders of the corporation shall be prospective only and shall not adversely affect any elimination or limitation of the personal liability of a director of the corporation for acts or omissions occurring prior to the effective date of such repeal or modification.

FIFTH. This restatement of the Certificate of Incorporation of the Corporation was authorized by a majority vote of the Board of Directors pursuant to Section 807 of the Business Corporation Law.

IN WITNESS WHEREOF, THE UNDERSIGNED HAVE SIGNED THIS CERTIFICATE THIS 23rd DAY OF MAY, 2019, AND DO HEREBY AFFIRM THE CONTENTS TO BE TRUE UNDER THE PENALTIES OF PERJURY.

	/s/ Robert J. McCormick
	ROBERT J. McCORMICK
	President and Chief Executive Officer

	/s/ Michael Hall
	MICHAEL HALL
	Secretary

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	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, 2021
$1 Par Value	19,264,941

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

	Consolidated Statements of Income for the three month periods ended March 31, 2021 and 2020	3

	Consolidated Statements of Comprehensive Income for the three month periods ended March 31, 2021 and 2020	4

	Consolidated Statements of Financial Condition as of March 31, 2021 and December 31, 2020	5

	Consolidated Statements of Changes in Shareholders’ Equity for the three month periods ended March 31, 2021 and 2020	6

	Consolidated Statements of Cash Flows for the three month periods ended March 31, 2021 and 2020	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	42-63

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	64

Item 4.	Controls and Procedures	64

Part II.	OTHER INFORMATION

Item 1.	Legal Proceedings	65

Item 1A.	Risk Factors	65

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	65

Item 3.	Defaults Upon Senior Securities	65

Item 4.	Mine Safety	65

Item 5.	Other Information	65

Item 6.	Exhibits	66

	Three months ended June 30,						Six months ended June 30,
	2021			2020			2021		2020

Interest and dividend income:
Interest and fees on loans	$	39,808			41,665			80,025		83,728
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		97			106			147		527
State and political subdivisions		-			2			1		3
Mortgage-backed securities and collateralized mortgage obligations		1,167			1,527			2,404		3,640
Corporate bonds		323			488			639		726
Small Business Administration-guaranteed participation securities		193			229			399		474
Other securities		5			5			11		11
Total interest and dividends on securities available for sale		1,785			2,357			3,601		5,381

Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		111			162			234		337
Total interest on held to maturity securities		111			162			234		337

Federal Reserve Bank and Federal Home Loan Bank stock		65			192			134		274
Interest on federal funds sold and other short-term investments		286			193			556		1,460
Total interest income		42,055			44,569			84,550		91,180

Interest expense:
Interest on deposits:
Interest-bearing checking		46			26			98		42
Savings accounts		162			166			321		399
Money market deposit accounts		236			862			519		1,958
Time deposits		1,261			5,599			2,927		11,990
Interest on short-term borrowings		228			235			456		557
Total interest expense		1,933			6,888			4,321		14,946

Net interest income		40,122			37,681			80,229		76,234
Provision for loan losses		-			2,000			350		4,000
Net interest income after provision for loan losses		40,122			35,681			79,879		72,234

Noninterest income:
Trustco financial services income		1,999			1,368			4,034		2,968
Fees for services to customers		2,486			1,807			4,690		4,122
Net gain on securities transactions		-			-			-		1,155
Other		203			251			392		515
Total noninterest income		4,688			3,426			9,116		8,760

Noninterest expenses:
Salaries and employee benefits		12,403			11,648			24,828		23,021
Net occupancy expense		4,328			4,385			8,914		8,691
Equipment expense		1,600			1,606			3,231		3,408
Professional services		1,614			1,182			3,046		2,663
Outsourced services		2,169			1,875			4,419		3,950
Advertising expense		549			601			903		1,089
FDIC and other insurance		777			609			1,484		903
Other real estate (income) expense, net		(60	)		(32	)		179		162
Other		2,060			2,058			3,771		4,313
Total noninterest expenses		25,440			23,932			50,775		48,200

Income before taxes		19,370			15,175			38,220		32,794
Income taxes		4,937			3,921			9,704		8,227

Net income	$	14,433			11,254			28,516		24,567

Net income per share (1):
- Basic	$	0.749			0.584			1.479		1.272

- Diluted	$	0.748			0.584			1.478		1.272

	June 30, 2021			December 31, 2020
ASSETS:

Cash and due from banks	$	47,766			47,196
Federal funds sold and other short term investments		1,134,622			1,059,903
Total cash and cash equivalents		1,182,388			1,107,099

Securities available for sale		482,815			439,071

Held to maturity securities ($12,707 and $14,988 fair value at June 30, 2021 and December 31, 2020, respectively)		11,665			13,824

Federal Reserve Bank and Federal Home Loan Bank stock		5,604			5,506

Loans, net of deferred net costs		4,349,367			4,244,470
Less:
Allowance for loan losses		50,155			49,595
Net loans		4,299,212			4,194,875

Bank premises and equipment, net		33,691			34,412
Operating lease right-of-use assets		45,825			47,885
Other assets		61,378			59,124

Total assets	$	6,122,578			5,901,796

LIABILITIES:
Deposits:
Demand	$	765,193			652,756
Interest-bearing checking		1,152,901			1,086,558
Savings accounts		1,409,556			1,285,501
Money market deposit accounts		732,963			716,005
Time deposits		1,169,907			1,296,373
Total deposits		5,230,520			5,037,193

Short-term borrowings		237,791			214,755
Operating lease liabilities		50,586			52,784
Accrued expenses and other liabilities		25,088			28,903

Total liabilities		5,543,985			5,333,635

SHAREHOLDERS' EQUITY:
Capital stock par value $1; 30,000,000 shares authorized; 20,040,636 and 20,040,966 shares issued and 19,264,941 and 19,286,531 shares outstanding at June 30, 2021 and December 31, 2020, respectively (1) (2)		20,041			20,041
Surplus (1)		256,536			256,606
Undivided profits		329,350			313,974
Accumulated other comprehensive income, net of tax		7,840			11,936
Treasury stock at cost - 775,695 and 754,435 shares at June 30, 2021 and December 31, 2020, respectively (2)		(35,174	)		(34,396	)

Total shareholders' equity		578,593			568,161

Total liabilities and shareholders' equity	$	6,122,578			5,901,796

	Capital Stock (1)			Surplus (1)			Undivided Profits			Accumulated Other Comprehensive Income			Treasury Stock			Total

Beginning balance, January 1, 2020 (1)	$	20,041			256,591			288,067			4,461			(30,903	)		538,257
Net income		-			-			13,313			-			-			13,313
Other comprehensive income, net of tax		-			-			-			6,931			-			6,931
Cash dividend declared, $0.340625 per share (2)		-			-			(6,827	)		-			-			(6,827	)
Purchase of treasury stock (97,800 shares) (2)		-			-			-			-			(3,493	)		(3,493	)
Stock based compensation expense		-			4			-			-			-			4

Ending balance, March 31, 2020 (1)	$	20,041			256,595			294,553			11,392			(34,396	)		548,185
Net income		-			-			11,254			-			-			11,254
Other comprehensive income, net of tax		-			-			-			544			-			544
Cash dividend declared, $0.340625 per share (2)		-			-			(6,568	)		-			-			(6,568	)
Stock based compensation expense		-			6			-			-			-			6

Ending balance, June 30, 2020 (1)	$	20,041			256,601			299,239			11,936			(34,396	)		553,421

Beginning balance, January 1, 2021 (1)	$	20,041			256,606			313,974			11,936			(34,396	)		568,161
Net income		-			-			14,083			-			-			14,083
Other comprehensive loss, net of tax		-			-			-			(4,668	)		-			(4,668	)
Stock options exercised (2,650 shares) (1)		3			68			-			-			-			71
Cash dividend declared, $0.340625 per share (2)		-			-			(6,571	)		-			-			(6,571	)
Purchase of treasury stock (1,261 shares) (2)		-			-			-			-			(45	)		(45	)

Ending balance, March 31, 2021 (1)	$	20,044			256,674			321,486			7,268			(34,441	)		571,031
Net income		-			-			14,433			-			-			14,433
Other comprehensive loss, net of tax		-			-			-			572			-			572
Cash used to settle fractional shares in the Reverse Stock Split		(5	)		(195	)											(200	)
Stock options exercised (2,225 shares) (1)		2			57			-			-			-			59
Cash dividend declared, $0.340625 per share (2)		-			-			(6,569	)		-			-			(6,569	)
Purchase of treasury stock (20,000 shares) (2)		-			-			-			-			(733	)		(733	)

Ending balance, June 30, 2021 (1)	$	20,041			256,536			329,350			7,840			(35,174	)		578,593

	Six months ended June 30,
	2021			2020

Cash flows from operating activities:
Net income	$	28,516			24,567

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation		2,133			1,989
Amortization of right-of-use asset		3,167			3,050
Net gain on sale of other real estate owned		(86	)		(158	)
Writedown of other real estate owned		121			103
Provision for loan losses		350			4,000
Deferred tax benefit		(19	)		(342	)
Net amortization of securities		2,099			1,880
Stock based compensation expense		-			10
Net gain on sale of bank premises and equipment		1			-
Net gain on sales of securities		-			(1,155	)
(Increase) decrease in taxes receivable		(166	)		957
Increase in interest receivable		(62	)		(733	)
Decrease in interest payable		(227	)		(432	)
Increase in other assets		(1,610	)		(1,127	)
Decrease in operating lease liabilities		(3,305	)		(3,130	)
Decrease in accrued expenses and other liabilities		(3,197	)		(1,137	)
Total adjustments		(801	)		3,775
Net cash provided by operating activities		27,715			28,342

Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale		76,450			183,835
Proceeds from calls and maturities of held to maturity securities		2,093			1,904
Purchases of securities available for sale		(132,456	)		(37,854	)
Proceeds from maturities of securities available for sale		5,055			5,000
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock		(98	)		(380	)
Proceeds from redemption of Federal Reserve Bank stock		-			4,057
Net increase in loans		(104,687	)		(115,972	)
Proceeds from dispositions of other real estate owned		255			1,238
Proceeds from dispositions of bank premises and equipment		4			-
Purchases of bank premises and equipment		(1,417	)		(1,409	)
Net cash (used in) provided by investing activities		(154,801	)		40,419

Cash flows from financing activities:
Net increase in deposits		193,327			415,291
Net increase (decrease) in short-term borrowings		23,036			28,612
Proceeds from exercise of stock options		130			-
Stock based award tax withholding payments		-			-
Cash used to settle fractional shares in the Reverse Stock Split		(200	)		-
Proceeds from sale of treasury stock		-			-
Purchases of treasury stock		(778	)		(3,493	)
Dividends paid		(13,140	)		(13,181	)
Net cash provided by financing activities		202,375			427,229
Net increase in cash and cash equivalents		75,289			495,990
Cash and cash equivalents at beginning of period		1,107,099			456,846
Cash and cash equivalents at end of period	$	1,182,388		$	952,836

Supplemental Disclosure of Cash Flow Information:
Cash paid during the year for:
Interest paid	$	4,548			15,378
Income taxes paid		9,665			6,887
Other non cash items:
Transfer of loans to other real estate owned		-			434
Increase in dividends payable		-			214
Change in unrealized (loss) gain on securities available for sale-gross of deferred taxes		(5,174	)		10,504
Change in deferred tax effect on unrealized loss (gain) on securities available for sale		1,335			(2,729	)
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans		(347	)		(407	)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans		90			107

(in thousands, except per share data)	For the three months ended June 30,				For the six months ended June 30,
	2021		2020		2021		2020

Net income	$	14,433		11,254	$	28,516		24,567
Weighted average common shares (1)		19,281		19,287		19,284		19,316
Stock Options (1)		9		-		8		3
Weighted average common shares including potential dilutive shares (1)		19,290		19,287		19,292		19,319

Basic EPS (1)	$	0.749		0.584	$	1.479		1.272

Diluted EPS (1)	$	0.748		0.584	$	1.478		1.272

	Three months ended June 30,
	Pension Benefits						Other Postretirement Benefits
(dollars in thousands)	2021			2020			2021			2020

Service (credit) cost	$	(11	)		7			26			21
Interest cost		212			272			39			58
Expected return on plan assets		(662	)		(691	)		(290	)		(296	)
Amortization of net loss (gain)		-			5			(169	)		(148	)
Amortization of prior service cost (credit)		-			-			102			(49	)
Net periodic benefit	$	(461	)		(407	)		(292	)		(414	)

	June 30, 2021
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value

U.S. government sponsored enterprises	$	74,972		-		393		74,579
State and political subdivisions		48		-		-		48
Mortgage backed securities and collateralized mortgage obligations - residential		312,052		5,083		1,479		315,656
Corporate bonds		54,516		495		364		54,647
Small Business Administration - guaranteed participation securities		36,004		1,195		-		37,199
Other		686		-		-		686
Total Securities Available for Sale	$	478,278		6,773		2,236		482,815

	June 30, 2021
	Less than 12 months				12 months or more				Total
(dollars in thousands)	Fair Value		Gross Unrealized Loss		Fair Value		Gross Unrealized Loss		Fair Value		Gross Unrealized Loss

U.S. government sponsored enterprises	$	69,579		393		-		-		69,579		393
Mortgage backed securities and collateralized mortgage obligations - residential		102,192		1,479		-		-		102,192		1,479
Corporate bonds		20,091		301		4,937		63		25,028		364

Total	$	191,862		2,173		4,937		63		196,799		2,236

	June 30, 2021
(dollars in thousands)	New York and other states*		Florida		Total
Commercial:
Commercial real estate	$	146,430		18,393		164,823
Other		48,733		608		49,341
Real estate mortgage - 1 to 4 family:
First mortgages		2,662,813		1,165,274		3,828,087
Home equity loans		50,593		13,671		64,264
Home equity lines of credit		181,921		52,293		234,214
Installment		6,946		1,692		8,638
Total loans, net	$	3,097,436		1,251,931		4,349,367
Less: Allowance for loan losses						50,155
Net loans					$	4,299,212

	June 30, 2021
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	$	188		-		-		188		146,242		146,430
Other		-		-		69		69		48,664		48,733
Real estate mortgage - 1 to 4 family:
First mortgages		2,142		545		10,897		13,584		2,649,229		2,662,813
Home equity loans		109		136		-		245		50,348		50,593
Home equity lines of credit		128		-		1,426		1,554		180,367		181,921
Installment		14		2		1		17		6,929		6,946

Total	$	2,581		683		12,393		15,657		3,081,779		3,097,436

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	$	188		-		-		188		164,635		164,823
Other		-		-		69		69		49,272		49,341
Real estate mortgage - 1 to 4 family:
First mortgages		2,142		545		12,334		15,021		3,813,066		3,828,087
Home equity loans		109		136		-		245		64,019		64,264
Home equity lines of credit		128		-		1,426		1,554		232,660		234,214
Installment		21		11		1		33		8,605		8,638

Total	$	2,588		692		13,830		17,110		4,332,257		4,349,367

	December 31, 2020
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	$	125		77		279		481		148,294		148,775
Other		-		-		80		80		44,852		44,932
Real estate mortgage - 1 to 4 family:
First mortgages		1,220		982		10,927		13,129		2,593,652		2,606,781
Home equity loans		120		1		48		169		59,231		59,400
Home equity lines of credit		401		344		1,273		2,018		191,636		193,654
Installment		3		-		43		46		7,764		7,810

Total	$	1,869		1,404		12,650		15,923		3,045,429		3,061,352

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	$	-		-		-		-		18,666		18,666
Other		-		-		-		-		119		119
Real estate mortgage - 1 to 4 family:
First mortgages		365		517		655		1,537		1,097,378		1,098,915
Home equity loans		-		-		47		47		15,024		15,071
Home equity lines of credit		-		-		-		-		48,540		48,540
Installment		7		10		-		17		1,790		1,807

Total	$	372		527		702		1,601		1,181,517		1,183,118

	For the three months ended June 30, 2021
(dollars in thousands)	Commercial		Real Estate Mortgage- 1 to 4 Family			Installment			Total
Balance at beginning of period	$	4,052		45,507			432			49,991
Loans charged off:
New York and other states*		-		20			1			21
Florida		-		-			-			-
Total loan chargeoffs		-		20			1			21

Recoveries of loans previously charged off:
New York and other states*		-		156			28			184
Florida		-		1			-			1
Total recoveries		-		157			28			185
Net loans (recoveries) charged off		-		(137	)		(27	)		(164	)
(Credit) provision for loan losses		54		(27	)		(27	)		-
Balance at end of period	$	4,106		45,617			432			50,155

	For the three months ended June 30, 2020
(dollars in thousands)	Commercial			Real Estate Mortgage- 1 to 4 Family			Installment			Total
Balance at beginning of period	$	3,960			41,643			552			46,155
Loans charged off:
New York and other states*		-			22			49			71
Florida		-			-			-			-
Total loan chargeoffs		-			22			49			71

Recoveries of loans previously charged off:
New York and other states*		6			49			5			60
Florida		-			-			-			-
Total recoveries		6			49			5			60
Net loans (recoveries) charged off		(6	)		(27	)		44			11
(Credit) provision for loan losses		400			1,604			(4	)		2,000
Balance at end of period	$	4,366			43,274			504			48,144

	For the six months ended June 30, 2021
	Commercial			Real Estate Mortgage- 1 to 4 Family			Installment			Total
Balance at beginning of period	$	4,140			44,950			505			49,595
Loans charged off:
New York and other states*		-			106			8			114
Florida		-			-			2			2
Total loan chargeoffs		-			106			10			116

Recoveries of loans previously charged off:
New York and other states*		32			244			49			325
Florida		-			1			-			1
Total recoveries		32			245			49			326
Net loans charged off (recoveries)		(32	)		(139	)		(39	)		(210	)
Provision (credit) for loan losses		(66	)		528			(112	)		350
Balance at end of period	$	4,106			45,617			432			50,155

	For the six months ended June 30, 2020
	Commercial			Real Estate Mortgage- 1 to 4 Family		Installment		Total
Balance at beginning of period	$	3,999			39,748		570		44,317
Loans charged off:
New York and other states*		3			213		56		272
Florida		-			-		19		19
Total loan chargeoffs		3			213		75		291

Recoveries of loans previously charged off:
New York and other states*		8			100		8		116
Florida		-			2		-		2
Total recoveries		8			102		8		118
Net loans charged off (recoveries)		(5	)		111		67		173
Provision for loan losses		362			3,637		1		4,000
Balance at end of period	$	4,366			43,274		504		48,144

	June 30, 2021
(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		4,106		45,617		432		50,155

Total ending allowance balance	$	4,106		45,617		432		50,155

Loans:
Individually evaluated for impairment	$	670		19,383		-		20,053
Collectively evaluated for impairment		213,494		4,107,182		8,638		4,329,314

Total ending loans balance	$	214,164		4,126,565		8,638		4,349,367

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

Commercial:
Commercial real estate	$	95		95		-		105
Other		-		-		-		-
Real estate mortgage - 1 to 4 family:
First mortgages		2,720		2,720		-		2,583
Home equity loans		-		-		-		14
Home equity lines of credit		256		256		-		246

Total	$	3,071		3,071		-		2,948

	Three months ended 6/30/2021						Three months ended 6/30/2020

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		-	$	-		-		-	$	-		-
Real estate mortgage - 1 to 4 family:
First mortgages		2		368		368		2		294		294
Home equity loans		1		2		2		-		-		-
Home equity lines of credit		2		59		59		1		50		50

Total		5	$	429		429		3	$	344		344

Florida: (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		-	$	-		-		-	$	-		-
Real estate mortgage - 1 to 4 family:
First mortgages		1		78		78		3		446		446
Home equity loans		-		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-		-

Total		1	$	78		78		3	$	446		446

	Six months ended 6/30/2021						Six months ended 6/30/2020

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		-	$	-		-		-	$	-		-
Real estate mortgage - 1 to 4 family:
First mortgages		2		368		368		3		457		457
Home equity loans		1		2		2		-		-		-
Home equity lines of credit		2		59		59		2		119		119

Total		5	$	429		429		5	$	576		576

Florida:
(dollars in thousands)	Pass		Classified		Total

Commercial:
Commercial real estate	$	17,833		560		18,393
Other		608		-		608

	$	18,441		560		19,001

	December 31, 2020

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

Commercial:
Commercial real estate	$	145,741		3,034		148,775
Other		44,522		410		44,932

	$	190,263		3,444		193,707

	Fair Value Measurements at
	June 30, 2021 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)

U.S. government sponsored enterprises	$	74,579	$	-	$	74,579	$	-
State and political subdivisions		48		-		48		-
Mortgage backed securities and collateralized mortgage obligations - residential		315,656		-		315,656		-
Corporate bonds		54,647		-		54,647		-
Small Business Administration- guaranteed participation securities		37,199		-		37,199		-
Other securities		686		-		686		-

Total securities available for sale	$	482,815	$	-	$	482,815	$	-

	Fair Value Measurements at
	December 31, 2020 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	$	19,968	$	-	$	19,968	$	-
State and political subdivisions		103		-		103		-
Mortgage backed securities and collateralized mortgage obligations - residential		316,158		-		316,158		-
Corporate bonds		59,939		-		59,939		-
Small Business Administration- guaranteed participation securities		42,217		-		42,217		-
Other securities		686		-		686		-

Total securities available for sale	$	439,071	$	-	$	439,071	$	-

(dollars in thousands)			Fair Value Measurements at
	Carrying		June 30, 2021 Using:
	Value		Level 1		Level 2		Level 3		Total
Financial assets:
Cash and cash equivalents	$	1,182,388		1,182,388		-		-		1,182,388
Securities available for sale		482,815		-		482,815		-		482,815
Held to maturity securities		11,665		-		12,707		-		12,707
Federal Home Loan Bank stock		5,604		N/A		N/A		N/A		N/A
Net loans		4,299,212		-		-		4,377,125		4,377,125
Accrued interest receivable		10,093		43		1,473		8,577		10,093
Financial liabilities:
Demand deposits		765,193		765,193		-		-		765,193
Interest bearing deposits		4,465,327		3,295,420		1,170,612		-		4,466,032
Short-term borrowings		237,791		-		237,791		-		237,791
Accrued interest payable		247		35		212		-		247

	Three months ended 6/30/2021
(dollars in thousands)	Balance at 4/1/2021			Other Comprehensive Income (loss)- Before Reclassifications		Amount reclassified from Accumulated Other Comprehensive Income			Other Comprehensive Income (loss)- Three months ended 6/30/2021			Balance at 6/30/2021

Net unrealized holding loss on securities available for sale, net of tax	$	2,725			622		-			622			3,347
Net change in overfunded position in pension and postretirement plans arising during the year, net of tax		6,084			-		-			-			6,084
Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax		(1,541	)		-		(50	)		(50	)		(1,591	)

Accumulated other comprehensive loss, net of tax	$	7,268			622		(50	)		572			7,840

	Three months ended 6/30/2020
(dollars in thousands)	Balance at 4/1/2020			Other Comprehensive Income (loss)- Before Reclassifications		Amount reclassified from Accumulated Other Comprehensive Income			Other Comprehensive Income (loss)- Three months ended 6/30/2020			Balance at 6/30/2020

Net unrealized holding (gain) loss on securities available for sale, net of tax	$	7,376			685		-			685			8,061
Net change in overfunded position in pension and postretirement plans arising during the year, net of tax		4,840			-		-			-			4,840
Net change in net actuarial (gain) loss and prior service cost on pension and postretirement benefit plans, net of tax		(824	)		-		(141	)		(141	)		(965	)

Accumulated other comprehensive income (loss), net of tax	$	11,392			685		(141	)		544			11,936

	Six months ended 6/30/2021
(dollars in thousands)	Balance at 1/1/2021			Other Comprehensive Income (loss)- Before Reclassifications			Amount reclassified from Accumulated Other Comprehensive Income			Other Comprehensive Income (loss)- Three months ended 6/30/2021			Balance at 6/30/2021

Net unrealized holding loss on securities available for sale, net of tax	$	7,186			(3,839	)		-			(3,839	)		3,347
Net change in overfunded position in pension and postretirement plans arising during the year, net of tax		6,084			-			-			-			6,084
Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax		(1,334	)		-			(257	)		(257	)		(1,591	)

Accumulated other comprehensive loss, net of tax	$	11,936			(3,839	)		(257	)		(4,096	)		7,840

	Six months ended 6/30/2020
(dollars in thousands)	Balance at 1/1/2020			Other Comprehensive Income (loss)- Before Reclassifications		Amount reclassified from Accumulated Other Comprehensive Income			Other Comprehensive Income (loss)- Three months ended 6/30/2020			Balance at 6/30/2020

Net unrealized holding loss on securities available for sale, net of tax	$	286			8,630		(855	)		7,775			8,061
Net change in overfunded position in pension and postretirement plans arising during the year, net of tax		4,840			-		-			-			4,840
Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax		(665	)		-		(300	)		(300	)		(965	)

Accumulated other comprehensive loss, net of tax	$	4,461			8,630		(1,155	)		7,475			11,936

(dollars in thousands)	Three months ended						Six months ended
	June 30,						June 30,
	2021			2020			2021			2020			Affected Line Item in Financial Statements
Net unrealized holding gain on securities available for sale
Realized gain on securities transactions	$	-			-		$	-			1,155		Net gain on securities transactions
Income tax effect		-			-			-			(300	)	Income taxes
Net of tax		-			-			-			855

Amortization of pension and postretirement benefit items:
Amortization of net actuarial gain	$	169			143		$	397			309		Salaries and employee benefits
Amortization of prior service (cost) credit		(102	)		49			(50	)		98		Salaries and employee benefits
Income tax benefit		(17	)		(51	)		(90	)		(107	)	Income taxes
Net of tax		50			141			257			300

Total reclassifications, net of tax	$	50			141		$	257			1,155

(dollars in thousands)

Year ending December 31,
2021^(a)	$	4,092
2022		7,780
2023		7,475
2024		7,350
2025		6,976
Thereafter		24,616
Total lease payments	$	58,289
Less: Interest		7,703

Present value of lease liabilities	$	50,586