TrustCo Bank Corp. NY announced unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2012. For the quarter, the company reported net interest income of $33,718,000 and net income of $9,806,000 or $0.104 per diluted share compared to net interest income of $34,220,000 and net income of $8,714,000 or $0.093 per diluted share a year ago period. Tangible book value at period end December 31, 2012 was $3.81 per share. Return on average assets was 0.91% and return on average equity was 10.88% compared to return on average assets of 0.83% and return on average equity of 10.15% a year ago period. Net interest income after provision for loan losses was $30,580,000 compared to $29,761,000 a year ago period. Income before taxes was $15,591,000 compared to $14,588,000 a year ago period. Total interest income was $37,612,000 compared to $40,038,000 a year ago period.

For the full year, the company reported net interest income of $134,988,000 and net income of $37,534,000 or $0.400 per diluted share compared to net interest income of $134,504,000 and net income of $33,087,000 or $0.389 per diluted share a year ago period. Return on average assets was 0.87% and return on average equity was 10.70% compared to return on average assets of 0.81% and return on average equity of 11.04% a year ago period. Net interest income after provision for loan losses was $122,988,000 compared to $115,754,000 a year ago period. Income before taxes was $59,975,000 compared to $52,385,000 a year ago period. Total interest income was $154,963,000 compared to $160,748,000 a year ago period. Book value per share as at December 31, 2012 was $3.82.

For the quarter, the company reported total net charge-offs of $2,438,000 compared to $3,265,000 a year ago period.