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5 SARNOWSKI DRIVE, GLENVILLE, NEW YORK	12302
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code:

(518) 377-3311

Securities registered pursuant to Section 12(b) of the Act:

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, 2022
$1 Par Value	19,126,875

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TRUSTCO BANK CORP NY

Consolidated Statements of Income (Unaudited)

(dollars in thousands, except per share data)

		Three months ended June 30,								Six months ended June 30,
		2022				2021				2022				2021
Interest and dividend income:
Interest and fees on loans		$	39,604				39,808				78,607				80,025
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises			147				97				233				147
State and political subdivisions			-				-				1				1
Mortgage-backed securities and collateralized mortgage obligations - residential			1,367				1,167				2,454				2,404
Corporate bonds			522				323				755				639
Small Business Administration-guaranteed participation securities			140				193				294				399
Other securities			2				5				4				11
Total interest and dividends on securities available for sale			2,178				1,785				3,741				3,601
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential			87				111				177				234
Total interest on held to maturity securities			87				111				177				234
Federal Reserve Bank and Federal Home Loan Bank stock			65				65				127				134
Interest on federal funds sold and other short-term investments			2,253				286				2,825				556
Total interest income			44,187				42,055				85,477				84,550
Interest expense:
Interest on deposits:
Interest-bearing checking			42				46				86				98
Savings accounts			163				162				319				321
Money market deposit accounts			210				236				424				519
Time deposits			536				1,261				1,082				2,927
Interest on short-term borrowings			176				228				410				456
Total interest expense			1,127				1,933				2,321				4,321
Net interest income			43,060				40,122				83,156				80,229
(Credit) Provision for credit losses			(491	)			-				(691	)			350
Net interest income after (credit) provision for credit losses			43,551				40,122				83,847				79,879
Noninterest income:
Trustco financial services income			1,996				1,999				3,829				4,034
Fees for services to customers			2,658				2,486				5,459				4,690
Other			262				203				811				392
Total noninterest income			4,916				4,688				10,099				9,116
Noninterest expenses:
Salaries and employee benefits			11,464				12,403				20,703				24,828
Net occupancy expense			4,254				4,328				8,783				8,914
Equipment expense			1,667				1,600				3,255				3,231
Professional services			1,484				1,614				2,951				3,046
Outsourced services			2,500				2,169				4,780				4,419
Advertising expense			389				549				1,006				903
FDIC and other insurance			804				777				1,616				1,484
Other real estate expense (income), net			74				(60	)			85				179
Other			2,369				2,060				4,591				3,771
Total noninterest expenses			25,005				25,440				47,770				50,775
Income before taxes			23,462				19,370				46,176				38,220
Income taxes			5,591				4,937				11,216				9,704
Net income		$	17,871				14,433				34,960				28,516
Net income per share:
- Basic		$	0.933				0.749				1.822				1.479
- Diluted		$	0.933				0.748				1.822				1.478

See accompanying notes to unaudited consolidated interim financial statements.

3

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Index

TRUSTCO BANK CORP NY

Consolidated Statements of Comprehensive Income (Unaudited)

(dollars in thousands)

		Three months ended June 30,								Six months ended June 30,
		2022				2021				2022				2021
Net income		$	17,871				14,433				34,960				28,516
Net unrealized holding (loss) gain on securities available for sale			(9,211	)			844				(28,436	)			(5,174	)
Tax effect			2,382				(222	)			7,356				1,335
Net unrealized (loss) gain on securities available for sale, net of tax			(6,829	)			622				(21,080	)			(3,839	)
Amortization of net actuarial gain			(426	)			(169	)			(504	)			(397	)
Amortization of prior service cost (credit)			123				102				(157	)			50
Tax effect			79				17				172				90
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans, net of tax			(224	)			(50	)			(489	)			(257	)
Other comprehensive (loss) gain, net of tax			(7,053	)			572				(21,569	)			(4,096	)
Comprehensive income		$	10,818				15,005				13,391				24,420

TRUSTCO BANK CORP NY

Consolidated Statements of Financial Condition (Unaudited)

(dollars in thousands, except per share data)

		June 30, 2022				December 31, 2021
ASSETS:
Cash and due from banks		$	46,611				48,357
Federal funds sold and other short term investments			999,573				1,171,113
Total cash and cash equivalents			1,046,184				1,219,470
Securities available for sale			502,415				407,713
Held to maturity securities ($8,733 and $10,695 fair value at June 30, 2022 and December 31, 2021, respectively)			8,544				9,923
Federal Reserve Bank and Federal Home Loan Bank stock			5,797				5,604
Loans, net of deferred net costs			4,540,559				4,438,779
Less:
Allowance for credit losses on loans			45,285				44,267
Net loans			4,495,274				4,394,512
Bank premises and equipment, net			32,381				33,027
Operating lease right-of-use assets			47,343				48,090
Other assets			88,853				78,207
Total assets		$	6,226,791				6,196,546
LIABILITIES:
Deposits:
Demand		$	851,573				794,878
Interest-bearing checking			1,208,159				1,191,304
Savings accounts			1,577,034				1,504,554
Money market deposit accounts			760,338				782,079
Time deposits			999,737				995,314
Total deposits			5,396,841				5,268,129
Short-term borrowings			147,282				244,686
Operating lease liabilities			51,777				52,720
Accrued expenses and other liabilities			36,259				29,883
Total liabilities			5,632,159				5,595,418
SHAREHOLDERS’ EQUITY:
Capital stock par value $1; 30,000,000 shares authorized;  20,045,684 shares issued at June 30, 2022 and December 31, 2021, and 19,126,875 and 19,219,989 shares outstanding at June 30, 2022 and December 31, 2021, respectively			20,046				20,046
Surplus			256,661				256,661
Undivided profits			367,100				349,056
Accumulated other comprehensive (loss) income, net of tax			(9,422	)			12,147
Treasury stock at cost - 918,809 and 825,695 shares at June 30, 2022 and December 31, 2021, respectively			(39,753	)			(36,782	)
Total shareholders’ equity			594,632				601,128
Total liabilities and shareholders’ equity		$	6,226,791				6,196,546

TRUSTCO BANK CORP NY

Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)

(dollars in thousands, except per share data)

		Capital Stock (1)				Surplus (1)				Undivided Profits				Accumulated Other Comprehensive Income				Treasury Stock				Total
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)			2				57				-				-				-				59
Cash dividend declared, $0.340625 per share			-				-				(6,569	)			-				-				(6,569	)
Purchase of treasury stock (20,000 shares)			-				-				-				-				(733	)			(733	)
Ending balance, June 30, 2021		$	20,041				256,536				329,350				7,840				(35,174	)			578,593
Beginning balance, January 1, 2022		$	20,046				256,661				349,056				12,147				(36,782	)			601,128
Cumulative impact of adoption of ASU 2016-13											(3,470	)											(3,470	)
Balance, January 1, 2022 as adjusted
For impact of adoption of ASU 2016-13			20,046				256,661				345,586				12,147				(36,782	)			597,658
Net income			-				-				17,089				-				-				17,089
Other comprehensive loss, net of tax			-				-				-				(14,516	)			-				(14,516	)
Cash dividend declared, $0.35 per share			-				-				(6,727	)			-				-				(6,727	)
Purchase of treasury stock 18,114 shares			-				-				-				-				(609	)			(609	)
Ending balance, March 31, 2022		$	20,046				256,661				355,948				(2,369	)			(37,391	)			592,895
Net income			-				-				17,871				-				-				17,871
Other comprehensive loss, net of tax			-				-				-				(7,053	)			-				(7,053	)
Cash dividend declared, $0.35 per share			-				-				(6,719	)			-				-				(6,719	)
Purchase of treasury stock 75,000 shares			-				-				-				-				(2,362	)			(2,362	)
Ending balance, June 30, 2022		$	20,046				256,661				367,100				(9,422	)			(39,753	)			594,632

(1)	All periods presented have been adjusted for the 1 for 5 reverse stock split which occurred on May 28, 2021.

(2)	Share amounts and per share amounts have been adjusted for all periods presented for the 1 for 5 reverse stock split which occurred on May 28, 2021.

TRUSTCO BANK CORP NY

Consolidated Statements of Cash Flows (Unaudited)

(dollars in thousands)

		Six months ended June 30,
		2022				2021
Cash flows from operating activities:
Net income		$	34,960				28,516
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation			2,057				2,133
Amortization of right-of-use asset			3,231				3,167
Net gain on sale of other real estate owned			(73	)			(86	)
Writedown of other real estate owned			-				121
(Credit) provision for credit losses			(691	)			350
Deferred tax expense (benefit)			1,281				(19	)
Net amortization of securities			1,289				2,099
Net gain on sale of bank premises and equipment			(314	)			1
Decrease (increase) in taxes receivable			3,077				(166	)
Increase in interest receivable			(1,627	)			(62	)
Decrease in interest payable			(21	)			(227	)
Increase in other assets			(3,378	)			(1,610	)
Decrease in operating lease liabilities			(3,427	)			(3,305	)
Decrease in accrued expenses and other liabilities			(3,371	)			(3,197	)
Total adjustments			(1,967	)			(801	)
Net cash provided by operating activities			32,993				27,715
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale			43,338				76,450
Proceeds from paydowns of held to maturity securities			1,335				2,093
Purchases of securities available for sale			(172,771	)			(132,456	)
Proceeds from maturities of securities available for sale			10,050				5,055
Purchases of Federal Home Loan Bank stock			(193	)			(98	)
Net increase in loans			(101,990	)			(104,687	)
Proceeds from dispositions of other real estate owned			166				255
Proceeds from dispositions of bank premises and equipment			469				4
Purchases of bank premises and equipment			(1,566	)			(1,417	)
Net cash used in investing activities			(221,162	)			(154,801	)
Cash flows from financing activities:
Net increase in deposits			128,712				193,327
Net increase in short-term borrowings			(97,404	)			23,036
Proceeds from exercise of stock options			-				130
Cash used to settle fractional shares in the Reverse Stock Split			-				200
Purchases of treasury stock			(2,971	)			(778	)
Dividends paid			(13,454	)			(13,140	)
Net cash provided by financing activities			14,883				202,775
Net increase in cash and cash equivalents			(173,286	)			75,689
Cash and cash equivalents at beginning of period			1,219,470				1,107,099
Cash and cash equivalents at end of period		$	1,046,184				1,182,788
Supplemental Disclosure of Cash Flow Information:
Cash paid during the year for:
Interest paid		$	2,342				4,548
Income taxes paid			8,303				9,665
Other non cash items:
Transfer of loans to other real estate owned			375				-
(Decrease) Increase in dividends payable			(8	)			-
Change in unrealized (loss) gain on securities available for sale-gross of deferred taxes			(28,436	)			(5,174	)
Change in deferred tax effect on unrealized loss (gain) on securities available for sale			7,356				1,335
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans			(661	)			(347	)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans			172				90
Security purchase settled in subsequent period			(5,000	)			-
Impact to retained earnings from adoption of ASC 326, net of tax			(3,470	)			-

(in thousands)		December 31, 2021 Pre-CECL Adoption				Impact of Adoption				January 1, 2022 Post-CECL Adoption
Assets:
Allowance for credit losses on loans		$	44,267			$	2,353			$	46,620
Allowance for credit losses on securities			-				-				-
Liabilities and shareholders’ equity:
Other liabilities (ACL unfunded loan commitments)			18				2,335				2,353
Tax Effect, net			-				(1,218	)			-
Total			44,285				3,470				48,973
Undivided Profits		$	349,056			$	(3,470	)		$	345,586

(in thousands, except per share data)		For the three months ended June 30,								For the six months ended June 30,
		2022				2021				2022				2021
Net income		$	17,871				14,433			$	34,960				28,516
Weighted average common shares			19,153				19,281				19,185				19,284
Stock Options			-				9				-				8
Weighted average common shares including potential dilutive shares			19,153				19,290				19,185				19,292
Basic EPS		$	0.933				0.749			$	1.822				1.479
Diluted EPS		$	0.933				0.748			$	1.822				1.478

		Three months ended June 30,
		Pension Benefits								Other Postretirement Benefits
(dollars in thousands)		2022				2021				2022				2021
Service cost		$	-				(11	)			(9	)			26
Interest cost			221				212				51				39
Expected return on plan assets			(796	)			(662	)			(333	)			(290	)
Amortization of net gain			-				-				(426	)			(169	)
Amortization of prior service cost			-				-				123				102
Net periodic benefit		$	(575	)			(461	)			(594	)			(292	)

		Six months ended June 30,
		Pension Benefits								Other Postretirement Benefits
(dollars in thousands)		2022				2021				2022				2021
Service cost		$	-				-				9				48
Interest cost			444				428				103				83
Expected return on plan assets			(1,613	)			(1,423	)			(666	)			(617	)
Amortization of net gain			-				-				(504	)			(397	)
Amortization of prior service cost (credit)			-				-				(157	)			50
Net periodic benefit		$	(1,169	)			(995	)			(1,215	)			(833	)

		June 30, 2022
(dollars in thousands)		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
U.S. government sponsored enterprises		$	104,571				106				3,577				101,100
State and political subdivisions			41				-				-				41
Mortgage backed securities and collateralized mortgage obligations - residential			307,819				18				20,387				287,450
Corporate bonds			90,883				4				3,147				87,740
Small Business Administration - guaranteed participation securities			26,855				-				1,427				25,428
Other			686				-				30				656
Total Securities Available for Sale		$	530,855				128				28,568				502,415

		December 31, 2021
(dollars in thousands)		Amortized Cost				Gross Unrealized Gains				Gross Unrealized Losses				Fair Value
U.S. government sponsored enterprises		$	59,976				-				797				59,179
State and political subdivisions			41				-				-				41
Mortgage backed securities and collateralized mortgage obligations - residential			269,907				3,367				2,476				270,798
Corporate bonds			45,805				157				625				45,337
Small Business Administration - guaranteed participation securities			31,303				371				-				31,674
Other			685				-				1				684
Total Securities Available for Sale		$	407,717				3,895				3,899				407,713

(dollars in thousands)		Amortized Cost				Fair Value
Due in one year or less		$	5,039				5,044
Due in one year through five years			181,142				174,458
Due after five years through ten years			10,000				10,035
Mortgage backed securities and collateralized mortgage obligations - residential			307,819				287,450
Small Business Administration - guaranteed participation securities			26,855				25,428
		$	530,855				502,415

		June 30, 2022
		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		$	18,705				874				47,289				2,703				65,994				3,577
Mortgage backed securities and collateralized mortgage obligations - residential			218,663				10,104				68,251				10,283				286,914				20,387
Corporate bonds			63,768				1,884				18,934				1,263				82,702				3,147
Small Business Administration - guaranteed participation securities			25,428				1,427				-				-				25,428				1,427
Other			620				30				-				-				620				30
Total		$	327,184				14,319				134,474				14,249				461,658				28,568

		December 31, 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		$	49,279				697				9,900				100				59,179				797
Mortgage backed securities and collateralized mortgage obligations - residential			93,447				1,888				22,098				588				115,545				2,476
Corporate bonds			15,670				171				14,546				454				30,216				625
Other			648				1				-				-				648				1
Total		$	159,044				2,757				46,544				1,142				205,588				3,899

		Three months ended June 30,
(dollars in thousands)		2022				2021
Proceeds from sales		$	-			$	-
Proceeds from calls/paydowns			25,415				39,630
Proceeds from maturities			5,050				5,000
Gross realized gains			-				-
Gross realized losses			-				-

		Six months ended June 30,
(dollars in thousands)		2022				2021
Proceeds from sales		$	-			$	-
Proceeds from calls/paydowns			43,338				76,450
Proceeds from maturities			10,050				5,055
Gross realized gains			-				-
Gross realized losses			-				-

		June 30, 2022
(dollars in thousands)		Amortized Cost				Gross Unrecognized Gains				Gross Unrecognized Losses				Fair Value
Mortgage backed securities and collateralized mortgage obligations - residential		$	8,544				263				74				8,733
Total held to maturity		$	8,544				263				74				8,733

		December 31, 2021
(dollars in thousands)		Amortized Cost				Gross Unrecognized Gains				Gross Unrecognized Losses				Fair Value
Mortgage backed securities and collateralized mortgage obligations - residential		$	9,923				773				1				10,695
Total held to maturity		$	9,923				773				1				10,695

(dollars in thousands)		Amortized Cost				Fair Value
Mortgage backed securities and collateralized mortgage obligations - residential		$	8,544				8,733
		$	8,544				8,733

		June 30, 2022
(dollars in thousands)		New York and other states*				Florida				Total
Commercial:
Commercial real estate		$	151,978				27,646				179,624
Other			19,134				1,128				20,262
Real estate mortgage - 1 to 4 family:
First mortgages			2,747,210				1,271,168				4,018,378
Home equity loans			45,428				12,851				58,279
Home equity lines of credit			180,720				73,038				253,758
Installment			8,175				2,083				10,258
Total loans, net		$	3,152,645				1,387,914				4,540,559
Less: Allowance for credit losses											45,285
Net loans										$	4,495,274

		December 31, 2021
(dollars in thousands)		New York and other states*				Florida				Total
Commercial:
Commercial real estate		$	147,063				21,653				168,716
Other			30,889				595				31,484
Real estate mortgage - 1 to 4 family:
First mortgages			2,723,734				1,212,568				3,936,302
Home equity loans			48,190				13,695				61,885
Home equity lines of credit			175,134				55,842				230,976
Installment			7,368				2,048				9,416
Total loans, net		$	3,132,378				1,306,401				4,438,779
Less: Allowance for loan losses											44,267
Net loans										$	4,394,512

		Three months ended June 30, 2022												Three months ended June 30, 2021
New York and other states* (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				73				73				2				368				368
Home equity loans			-				-				-				1				2				2
Home equity lines of credit			-				-				-				2				59				59
Total			1			$	73				73				5			$	429				429

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
Home equity loans			-				-				-				-				-				-
Home equity lines of credit			-				-				-				-				-				-
Total			-			$	-				-				1			$	78				78

		Six months ended June 30, 2022												Six months ended June 30, 2021
New York and other states*: (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			4				443				443				2				368				368
Home equity loans			-				-				-				1				2				2
Home equity lines of credit			-				-				-				2				59				59
Total			4			$	443				443				5			$	429				429

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
Home equity loans			-				-				-				-				-				-
Home equity lines of credit			-				-				-				-				-				-
Total			-			$	-				-				1			$	78				78