TrustCo Bank Corp NY (TRST)

Nasdaq: TRST · State Commercial Banks · Albany, NY · filing with the SEC since 1994

Grade6.1

◀ Past 6.8● Present 5.4▶ Future 5.9

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 16, 2026	Mar 14, 2025	Mar 11, 2024	Mar 1, 2023	Feb 25, 2022	Feb 26, 2021	Feb 28, 2020	Mar 1, 2019	Mar 1, 2018	Mar 3, 2017
For lenders
Interest and dividend income	259,416	243,316	226,206	186,602	167,982	178,288	192,128	180,914	168,960	161,359
Interest expense on deposits and borrowings	90,443	91,377	54,361	6,467	·	·	·	·	·	·
Net interest income	168,973	151,939	171,845	180,135	160,408	153,580	155,807	160,686	154,368	146,055
Provision for credit losses	1,600	2,000	1,250	-341	-5,450	5,600	159	1,400	2,000	2,950
Net interest income after provision	167,373	149,939	170,595	180,476	165,858	147,980	155,648	159,286	152,368	143,105
Noninterest income	18,945	19,834	18,315	19,260	17,937	17,170	18,591	18,081	18,373	19,012
Noninterest expense	105,504	105,727	111,297	100,319	101,662	95,704	97,730	97,713	93,994	93,827
Interest expense	·	·	54,361	6,467	7,574	24,708	36,321	20,228	14,592	15,304
Income before income taxes	80,814	64,046	77,613	99,417	82,133	69,446	76,509	79,654	76,747	68,290
Income tax expense	19,677	15,213	18,967	24,183	20,614	16,994	18,669	18,209	33,602	25,689
Net income	61,137	48,833	58,646	75,234	61,519	52,452	57,840	61,445	43,145	42,601
Net income to common shareholders	·	·	·	·	·	·	·	·	43,145	42,601
Earnings per share, basic	3.26	2.57	3.08	3.93	3.19^r	2.72^r	2.986^r	3.185^b	2.245^b	2.23^b
Earnings per share, diluted	3.25	2.57	3.08	3.93	3.19^r	2.72^r	2.984^r	3.18^b	2.24^b	2.225^b
Weighted average shares, basic	18,752.0	19,018.0	19,024.0	19,131.0	19,259.0	19,301.0^r	19,370.0^r	19,301.0^b	19,222.2^b	19,109.6^b
Weighted average shares, diluted	18,790.0	19,037.0	19,025.0	19,133.0	19,263.0	19,303.0^r	19,386.0^r	19,329.2^b	19,244.4^b	19,129.6^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the 1-for-5 reverse split of May 2021.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton TRST · research, not advice