TrustCo Bank Corp NY (TRST) 10-K 3 Mar 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Mar. 01, 2017	Jun. 30, 2016
Document and Entity Information [Abstract]
Entity Registrant Name	TRUSTCO BANK CORP N Y
Entity Central Index Key	357,301
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$ 591,961,513
Entity Common Stock, Shares Outstanding		95,862,943
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2016

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest and dividend income:
Interest and fees on loans	$ 143,679	$ 141,887	$ 135,960
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	1,489	1,418	1,417
State and political subdivisions	52	87	179
Mortgage-backed securities and collateralized mortgage obligations-residential	7,963	9,132	12,150
Corporate bonds	246	1	65
Small Business Administration-guaranteed participation securities	1,801	2,004	2,154
Mortgage-backed securities and collateralized mortgage obligations-commercial	133	149	151
Other	16	16	16
Total interest and dividends on securities available for sale	11,700	12,807	16,132
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	1,454	1,844	2,259
Corporate bonds	617	615	615
Total interest on held to maturity securities	2,071	2,459	2,874
Federal Reserve Bank and Federal Home Loan Bank stock	502	467	511
Interest on federal funds sold and other short-term investments	3,407	1,725	1,464
Total interest and dividend income	161,359	159,345	156,941
Interest expense:
Interest on deposits	14,213	14,983	14,091
Interest on short-term borrowings	1,091	1,214	1,397
Total interest expense	15,304	16,197	15,488
Net interest income	146,055	143,148	141,453
Provision for loan losses	2,950	3,700	5,100
Net interest income after provision for loan losses	143,105	139,448	136,353
Noninterest income:
Trustco Financial Services income	5,886	5,971	5,837
Fees for services to customers	10,857	10,689	10,844
Net gain on securities transactions	668	251	717
Other	1,601	961	2,508
Total noninterest income	19,012	17,872	19,906
Noninterest expense:
Salaries and employee benefits	36,508	32,521	32,879
Net occupancy expense	16,078	15,799	16,251
Equipment expense	6,320	6,871	7,219
Professional services	8,200	7,878	5,807
Outsourced services	6,216	5,860	5,350
Advertising expense	2,515	2,593	2,487
FDIC and other insurance expense	5,967	6,339	3,907
Other real estate expense, net	2,558	2,001	1,009
Other	9,465	10,698	9,761
Total noninterest expense	93,827	90,560	84,670
Income before income taxes	68,290	66,760	71,589
Income taxes	25,689	24,522	27,396
Net income	$ 42,601	$ 42,238	$ 44,193
Earnings per share:
Basic (in dollars per share)	$ 0.446	$ 0.444	$ 0.467
Diluted (in dollars per share)	$ 0.445	$ 0.444	$ 0.466

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 42,601	$ 42,238	$ 44,193
Net unrealized holding (loss) gain on securities available for sale	(3,096)	(1,079)	24,630
Reclassification adjustments for net gain recognized in income	(688)	(251)	(717)
Tax effect	1,514	531	(9,528)
Net unrealized (loss) gain on securities available for sale, net of tax	(2,270)	(799)	14,385
Change in overfunded position in pension and postretirement plans arising during the year	1,333	711	(8,367)
Tax effect	(533)	(281)	3,336
Change in overfunded position in pension and postretirement plans arising during the year, net of tax	800	430	(5,031)
Amortization of net actuarial (gain) loss	(90)	70	(297)
Amortization of prior service cost	90	90	199
Tax effect	0	(63)	38
Amortization of net actuarial loss (gain) and prior service cost (credit) on pension and postretirement plans, net of tax	0	97	(60)
Other comprehensive (loss) income, net of tax	(1,470)	(272)	9,294
Comprehensive income	$ 41,131	$ 41,966	$ 53,487

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 48,719	$ 41,698
Federal funds sold and other short term investments	658,555	676,458
Total cash and cash equivalents	707,274	718,156
Securities available for sale	620,360	601,037
Held to maturity securities ($47,526 and $59,439 fair value at December 31, 2016 and 2015, respectively)	45,490	56,465
Federal Reserve Bank and Federal Home Loan Bank stock	9,579	9,480
Loans, net of deferred net costs	3,430,586	3,293,304
Less: Allowance for loan losses	43,890	44,762
Net loans	3,386,696	3,248,542
Bank premises and equipment, net	35,466	37,643
Other assets	63,941	63,669
Total assets	4,868,806	4,734,992
Deposits:
Demand	377,755	365,081
Savings accounts	1,271,449	1,262,194
Interest-bearing checking	815,534	754,347
Money market deposit accounts	571,962	610,826
Time accounts	1,159,463	1,107,930
Total deposits	4,196,163	4,100,378
Short-term borrowings	209,406	191,226
Accrued expenses and other liabilities	30,551	30,078
Total liabilities	4,436,120	4,321,682
Commitments and contingent liabilities
SHAREHOLDERS' EQUITY:
Capital stock: $1 par value; 150,000,000 shares authorized, 99,214,382 and 98,973,452 shares issued at December 31, 2016 and 2015, respectively	99,214	98,973
Surplus	171,425	171,443
Undivided profits	201,517	184,009
Accumulated other comprehensive loss, net of tax	(6,251)	(4,781)
Treasury stock: 3,434,205 and 3,711,228 shares, at cost, at December 31, 2016 and 2015, respectively	(33,219)	(36,334)
Total shareholders' equity	432,686	413,310
Total liabilities and shareholders' equity	$ 4,868,806	$ 4,734,992

Consolidated Statements of Con5

Consolidated Statements of Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Held to maturity securities, fair value	$ 47,526	$ 59,439
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share)	$ 1	$ 1
Capital stock, shares authorized (in shares)	150,000,000	150,000,000
Capital stock, shares issued (in shares)	99,214,382	98,973,452
Treasury stock, at cost (in shares)	3,434,205	3,711,228

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2013	$ 98,927	$ 173,144	$ 147,432	$ (13,803)	$ (43,887)	$ 361,813
Net Income	0	0	44,193	0	0	44,193
Change in other comprehensive income (loss), net of tax	0	0	0	9,294	0	9,294
Stock option exercises	18	113	0	0	0	131
Cash dividend declared	0	0	(24,880)	0	0	(24,880)
Purchase of treasury stock	0	0	0	0	(282)	(282)
Sale of treasury stock	0	(1,229)	0	0	4,079	2,850
Stock based compensation expense	0	325	0	0	0	325
Balance at Dec. 31, 2014	98,945	172,353	166,745	(4,509)	(40,090)	393,444
Net Income	0	0	42,238	0	0	42,238
Change in other comprehensive income (loss), net of tax	0	0	0	(272)	0	(272)
Stock option exercises	28	119	0	0	0	147
Cash dividend declared	0	0	(24,974)	0	0	(24,974)
Purchase of treasury stock	0	0	0	0	(147)	(147)
Sale of treasury stock	0	(1,233)	0	0	3,903	2,670
Stock based compensation expense	0	204	0	0	0	204
Balance at Dec. 31, 2015	98,973	171,443	184,009	(4,781)	(36,334)	413,310
Net Income	0	0	42,601	0	0	42,601
Change in other comprehensive income (loss), net of tax	0	0	0	(1,470)	0	(1,470)
Stock option exercises	241	1,127	0	0	0	1,368
Cash dividend declared	0	0	(25,093)	0	0	(25,093)
Purchase of treasury stock	0	0	0	0	(701)	(701)
Sale of treasury stock	0	(1,369)	0	0	3,816	2,447
Stock based compensation expense	0	224	0	0	0	224
Balance at Dec. 31, 2016	$ 99,214	$ 171,425	$ 201,517	$ (6,251)	$ (33,219)	$ 432,686

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Cash dividend declared (in dollars per share)	$ 0.2625	$ 0.2625	$ 0.2625
Purchase of treasury stock (in shares)	130,208	22,364	38,390
Sale of treasury stock (in shares)	407,231	398,431	414,881

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net income	$ 42,601	$ 42,238	$ 44,193
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	4,038	4,554	4,776
Net gain on sale of other real estate owned	(298)	(373)	(2,599)
Writedown of other real estate owned	1,242	1,143	1,967
Net gain on sale of building held for sale	0	0	(1,556)
Provision for loan losses	2,950	3,700	5,100
Deferred tax expense	3,261	3,011	2,964
Net amortization of securities	4,986	5,486	5,458
Stock based compensation expense	224	204	325
Net gain on sale of bank premises and equipment	(480)	0	(1)
Net gain on securities transactions	(668)	(251)	(717)
(Increase) decrease in taxes receivable	(921)	3,510	723
(Increase) decrease in interest receivable	(808)	538	398
Increase (decrease) in interest payable	25	(47)	80
Increase in other assets	(1,677)	(4,168)	(7,239)
Increase in accrued expenses and other liabilities	419	463	1,123
Total adjustments	12,293	17,770	10,802
Net cash provided by operating activities	54,894	60,008	54,995
Cash flows from investing activities:
Proceeds from sales and calls of securities available for sale	245,929	254,955	321,074
Purchases of securities available for sale	(275,303)	(189,823)	(126,113)
Proceeds from maturities of securities available for sale	1,949	4,025	11,206
Proceeds from calls and maturities of held to maturity securities	10,975	14,481	15,269
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock	(99)	(252)	(451)
Proceeds from redemptions of Federal Reserve Bank and Federal Home Loan Bank stock	0	0	1,723
Net increase in loans	(146,629)	(148,532)	(266,630)
Net proceeds from sale of building held for sale	0	0	4,745
Proceeds from dispositions of other real estate owned	6,768	7,511	12,972
Proceeds from dispositions of bank premises and equipment	674	112	139
Purchases of bank premises and equipment	(2,055)	(3,744)	(8,497)
Net cash used in investing activities	(157,791)	(61,267)	(34,563)
Cash flows from financing activities:
Net increase in deposits	95,785	68,137	105,170
Net increase (decrease) in short-term borrowings	18,180	2,110	(15,046)
Proceeds from exercise of stock options	1,368	147	131
Proceeds from sales of treasury stock	2,447	2,670	2,850
Purchases of treasury stock	(701)	(147)	(282)
Dividends paid	(25,064)	(24,950)	(24,851)
Net cash provided by financing activities	92,015	47,967	67,972
Net (decrease) increase in cash and cash equivalents	(10,882)	46,708	88,404
Cash and cash equivalents at beginning of period	718,156	671,448	583,044
Cash and cash equivalents at end of period	707,274	718,156	671,448
Cash paid during the year for:
Interest paid	15,279	16,244	15,408
Income taxes paid	23,494	21,005	26,727
Non cash investing and financing activities:
Transfer of loans to real estate owned	5,525	8,295	10,620
Transfer of other real estate owned to fixed assets	0	0	568
Increase in dividends payable	29	24	29
Change in unrealized (loss) gain on securities available for sale - gross of deferred taxes	(3,784)	(1,330)	23,913
Change in deferred tax effect on unrealized (loss) gain on securities available for sale, net of reclassification adjustment	1,514	531	(9,528)
Amortization of net actuarial loss and prior service credit on pension and post retirement plans, gross of deferred taxes	0	160	(98)
Change in deferred tax effect of amortization of net actuarial loss and prior service credit on pension and post retirement plans	0	(63)	38
Change in overfunded portion of pension and post retirement benefit plans (ASC 715) - gross of deferred taxes	1,333	711	(8,367)
Deferred tax effect of change in overfunded portion of pension and post retirement benefit plans (ASC 715)	$ (533)	$ (281)	$ 3,336

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2016
Basis of Presentation [Abstract]
Basis of Presentation	(1) Basis of Presentation The accounting and financial reporting policies of TrustCo Bank Corp NY (the Company or TrustCo), ORE Subsidiary Corp., Trustco Bank (referred to as Trustco Bank or the Bank), and its wholly owned subsidiaries, Trustco Realty Corporation, Trustco Insurance Agency, Inc., ORE Property, Inc. and its subsidiaries ORE Property One, Inc. and ORE Property Two, Inc. conform to general practices within the banking industry and are in conformity with U.S. generally accepted accounting principles. A description of the more significant policies follows. Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions. Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Securities Available for Sale and Held to Maturity Securities available for sale are carried at fair value with any unrealized appreciation or depreciation of value, net of tax, included as an element of accumulated other comprehensive income or loss in shareholders’ equity. Management maintains an available for sale portfolio in order to provide maximum flexibility in balance sheet management. The designation of available for sale is made at the time of purchase based upon management’s intent to hold the securities for an indefinite period of time. These securities, however, are available for sale in response to changes in market interest rates, related changes in liquidity needs, or changes in the availability of and yield on alternative investments. Unrealized losses on securities that reflect a decline in value which is other-than-temporary, if any, are charged to earnings and/or accumulated other comprehensive income (loss). Debt securities that management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at their remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. The cost of debt securities is adjusted for amortization of premium and accretion of discount using the interest method. Premiums and discounts on securities are amortized on the interest method over the estimated remaining term of the underlying security without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on the sale of securities available for sale are recorded at trade date and determined using the specific identification method. Other-Than-Temporary Impairment (“OTTI”) A decline in the fair value of any available for sale or held to maturity security below cost that is deemed to be other-than-temporary is charged to earnings and/or accumulated other comprehensive income (loss), resulting in the establishment of a new cost basis of the security. Management evaluates these types of securities for OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Additional discussion of OTTI is included in Note 3 of the consolidated financial statements. Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank is also a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received are reported as income. Loans Loans are carried at the principal amount outstanding net of unearned income and unamortized loan fees and costs, which are recognized as adjustments to interest income over the applicable loan term. Interest income on loans is accrued based on the principal amount outstanding. Nonperforming loans include non-accrual loans and loans which are three payments or more past due and still accruing interest. Generally, loans are placed in non-accrual status either due to the delinquent status of principal and/or interest payments, or a judgment by management that, although payments of principal and/or interest are current, such action is prudent based upon specific facts and circumstances surrounding the borrower. Typically, a loan is moved to non-accrual status after 90 days of non-payment in accordance with the Company’s policy. Past due status is based on the contractual terms of the loan. All interest accrued but not received for loans placed on non-accrual status is reversed against interest income. Future payments received on nonperforming loans are recorded as interest income or principal reductions based upon management’s ultimate expectation for collection. Loans may be removed from non-accrual status when they become current as to principal and interest and have demonstrated a sustained ability to make loan payments in accordance with the contractual terms of the loan. Loans may also be removed from non-accrual status when, in the opinion of management, the loan is expected to be fully collectable as to principal and interest. When, in the opinion of management, the collection of principal appears unlikely, the loan balance is evaluated in light of its sources of repayment, and a charge-off is recorded when appropriate. Loan origination fees, net of certain direct origination costs, are deferred and recognized using the level yield method without anticipating prepayments. Allowance for Loan Losses The allowance for loan losses is maintained at a level considered adequate by management to provide for probable incurred loan losses. The allowance is increased by provisions charged against income, while loan losses are charged against the allowance when management deems a loan balance to be uncollectible. Subsequent recoveries, if any, are credited to the allowance. The Company performs an analysis of the adequacy of the allowance on at least a quarterly basis. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations, current economic conditions, past due and charge-off trends and other factors. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to change the allowance based on their judgments of information available to them at the time of their examination. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance methodology consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Additionally, loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. TDRs are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported at the fair value of the collateral with any charge-off recognized at that time. For TDRs that subsequently default, the Company determines the amount of additional charge-off, if any, in accordance with the accounting policy for the allowance for loan losses with respect to impaired loans described previously. Commercial and commercial real estate loans in non-accrual status are defined as impaired loans and are individually evaluated for impairment. In addition, any restructured loans that meet the definition of a TDR are defined as impaired. If a loan is impaired, a charge-off is taken so that the loan is reported at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral, if repayment is expected solely from the collateral. Residential real estate loans and consumer loans are collectively evaluated for impairment. The general component of the allowance covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by geography for each portfolio segment and is based on the actual net loss history experienced by the Company over the most recent four years. This actual loss experience is supplemented with other qualitative factors based on the risks present in each geography and portfolio segment. These factors include consideration of the following: changes in national, regional and local economic trends and conditions; effects of any changes in interest rates; changes in the volume and severity of net charge-offs, delinquencies, and nonperforming loans; changes in the experience, ability, and depth of lending management and other relevant staff; changes in the quality of the Company’s loan review system; effects of any changes in credit concentrations; effects of any changes in underwriting standards, lending policies, procedures, and practices; and changes in the nature, volume and terms of loans. Changes in the volume and severity of net charge-offs, delinquencies, and nonperforming loans includes consideration of levels and trends of loan delinquencies and net charge-offs by portfolio segment. The Company’s allowance methodology also includes additional allocation percentages for residential and installment loans in non-accrual status and residential and installment loans three payments past due and still accruing interest, and residential loans with loan-to-value ratios in excess of 90% at the time of origination. Additional allocation percentages are applied to commercial loans classified as special mention and substandard by the Company’s loan review grading process that are not considered as impaired to recognize the added risk associated with these loans. The reserve percentages are determined based upon a review of recent charge-offs and take into consideration the type of loan, the fixed or variable nature of the loan, and the type and geography of the underlying collateral, if any, specifically for loans that are in these categories. The following portfolio segments have been identified: commercial loans, residential real estate loans, and installment loans: Commercial: Commercial real estate loans and other commercial loans are made based primarily on the identified cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. Commercial real estate collateral is generally located within the Bank’s geographic territories; while collateral for non-real estate secured commercial loans is typically accounts receivable, inventory, and/or equipment. Repayment is primarily dependent upon the borrower’s ability to service the debt based upon cash flows generated from the underlying business. Additional support involves liquidation of the pledged collateral and enforcement of a personal guarantee, if a guarantee is obtained. Residential real estate: Residential real estate loans, including first mortgages, home equity loans and home equity lines of credit, are collateralized by first or second liens on one-to-four family residences generally located within the Bank’s market areas. Proof of ownership title, clear mortgage title, and hazard insurance coverage are normally required. Installment: The Company’s installment loans are primarily made up of installment loans, personal lines of credit, as well as secured and unsecured credit cards. The installment loans represent a relatively small portion of the loan portfolio and are primarily used for personal expenses and are secured by automobiles, equipment and other forms of collateral, while personal lines of credit are unsecured as are most credit card loans. Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight-line or accelerated methods over the remaining useful lives of the assets; generally 20 to 40 years for buildings, 3 to 7 years for furniture and equipment, and the shorter of the estimated life of the asset or the lease term for leasehold improvements. Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2016 and 2015, there were $4.3 million and $6.4 million, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition. Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded. Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices or applications with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2017, the Bank could declare dividends of approximately $57.8 million plus any 2017 net profits retained to the date of the dividend declaration. Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees. The benefits are based on years of service and the employee’s compensation. This plan was frozen as of December 31, 2006. The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive loss. Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re-measured at each reporting date and recognized over the vesting period. For awards with performance based conditions, compensation cost is recognized over the performance period based on the Company’s expectation of the likelihood of meeting the specific performance criteria. Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share-based payment awards that contain rights to non-forfeitable dividends are considered participating securities for this calculation. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options. At December 31, 2016 and 2015, the Company did not have any unvested awards that would be considered participating securities. Reclassification of Prior Year Statements It is the Company’s policy to reclassify prior year consolidated financial statements to conform to the current year presentation. Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid-Hudson valley region of New York. In the opinion of management, the Company does not have any other reportable segments as defined by “Accounting Standards Codification” (ASC) Topic 280, “Disclosure about Segments of an Enterprise and Related Information”. Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes. Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity. Comprehensive Income (Loss) Comprehensive income (loss) represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax. Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Balances at Other Banks

Balances at Other Banks	12 Months Ended
	Dec. 31, 2016
Balances at Other Banks [Abstract]
Balances at Other Banks	(2) Balances at Other Banks The Company is required to maintain certain reserves of vault cash and/or deposits with the Federal Reserve Bank. The amount of this reserve requirement, included in cash and due from banks and federal funds sold and other short-term investments, was approximately $32.3 million and $99.1 million at December 31, 2016 and 2015, respectively.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2016
Investment Securities [Abstract]
Investment Securities	(3) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) December 31, 2016 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 119,887 - 2,621 117,266 State and political subdivisions 873 13 - 886 Mortgage backed securities and collateralized mortgage obligations - residential 378,068 123 5,883 372,308 Corporate bonds 40,956 - 251 40,705 Small Business Administration-guaranteed participation securities 81,026 - 2,527 78,499 Mortgage backed securities and collateralized mortgage obligations - commercial 10,130 - 119 10,011 Other 650 - - 650 Total debt securities 631,590 136 11,401 620,325 Equity securities 35 - - 35 Total securities available for sale $ 631,625 136 11,401 620,360 (dollars in thousands) December 31, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 86,899 19 181 86,737 State and political subdivisions 1,270 20 - 1,290 Mortgage backed securities and collateralized mortgage obligations - residential 416,625 430 5,326 411,729 Small Business Administration-guaranteed participation securities 92,620 - 2,204 90,416 Mortgage backed securities and collateralized mortgage obligations - commercial 10,422 - 242 10,180 Other 650 - - 650 Total debt securities 608,486 469 7,953 601,002 Equity securities 35 - - 35 Total securities available for sale $ 608,521 469 7,953 601,037 The following table distributes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 2016, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity are shown separately: (dollars in thousands) Amortized Fair Due in one year or less $ 5,008 4,998 Due in one year through five years 142,292 139,946 Due after five years through ten years 15,066 14,563 Due after ten years - - Mortgage backed securities and collateralized mortgage obligations - residential 378,068 372,308 Small Business Administration- guaranteed participation securities 81,026 78,499 Mortgage backed securities and collateralized mortgage obligations - commercial 10,130 10,011 $ 631,590 620,325 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2016 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 102,266 2,621 - - 102,266 2,621 Mortgage backed securities and collateralized mortgage obligations - residential 359,622 5,766 4,713 117 364,335 5,883 Corporate bonds 40,705 251 - - 40,705 251 Small Business Administration- guaranteed participation securities 64,560 1,960 13,940 567 78,500 2,527 Mortgage backed securities and collateralized mortgage obligations - commercial 10,011 119 - - 10,011 119 Total $ 577,164 10,717 18,653 684 595,817 11,401 (dollars in thousands) December 31, 2015 Less than 12 months Total Fair Gross Fair Gross Fair Gross U.S. government sponsored enterprises $ 41,786 113 9,932 68 51,718 181 Mortgage backed securities and collateralized mortgage obligations - residential 187,605 2,147 167,549 3,179 355,153 5,326 Small Business Administration- guaranteed participation securities 7,529 111 82,888 2,093 90,417 2,204 Mortgage backed securities and collateralized mortgage obligations - commercial 5,553 130 4,627 112 10,180 242 Total $ 242,473 2,501 264,996 5,452 507,468 7,953 The proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses from sales and calls during 2016, 2015 and 2014 are as follows: (dollars in thousands) Year ended December 31, 2016 2015 2014 Proceeds from sales $ 44,829 22,945 69,147 Proceeds from calls 201,100 232,010 251,927 Gross realized gains 668 251 720 Gross realized losses - - 3 Tax expense recognized on net gains on sales of securities available for sale were approximately $267 thousand, $100 thousand, and $287 thousand for the years ended December 31, 2016, 2015, 2014, respectively. The amount of securities that have been pledged to secure short-term borrowings and for other purposes amounted to $264.8 million and $277.1 million at December 31, 2016 and 2015, respectively. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: (dollars in thousands) December 31, 2016 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 35,500 1,736 - 37,236 Corporate bonds 9,990 300 - 10,290 Total held to maturity $ 45,490 2,036 - 47,526 (dollars in thousands) December 31, 2015 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 46,490 2,308 - 48,798 Corporate bonds 9,975 666 - 10,641 Total held to maturity $ 56,465 2,974 - 59,439 The following table distributes the debt securities included in the held to maturity portfolio as of December 31, 2016, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are shown separately. (dollars in thousands) Amortized Fair Due in one year or less $ 9,990 10,290 Mortgage backed securities and collateralized mortgage obligations - residential 35,500 37,236 $ 45,490 47,526 There were no held to maturity securities with gross unrecognized losses as of December 31, 2016 and 2015. There were no sales or transfers of held to maturity securities during 2016 and 2015. (c) Concentrations The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2016 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Fair Federal Home Loan Mortgage Corporation $ 121,584 119,577 Federal National Mortgage Association 306,452 302,052 Government National Mortgage Association 44,842 46,012 Small Business Administration 81,026 78,499 (d) Other-Than-Temporary Impairment Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC 320 “Investments – Debt and Equity Securities.” In determining OTTI under the FASB ASC 320 model, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether any other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether management intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If management intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If management does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI on debt securities shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. As of December 31, 2016, the Company’s security portfolio included certain securities which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises In the case of unrealized losses on U.S. government sponsored enterprises, because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2016. Mortgage backed securities and collateralized mortgage obligations - residential At December 31, 2016, all mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government sponsored entities and agencies, primarily Ginnie Mae, Fannie Mae and Freddie Mac, institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2016. Corporate Bonds At December 31, 2016, corporate bonds held by the Company are investment grade quality. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2016. Small Business Administration (SBA) - guaranteed participation securities At December 31, 2016, all of the SBA securities held by the Company were issued and guaranteed by U.S. Small Business Administration. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2016. Mortgage backed securities and collateralized mortgage obligations - commercial As of December 31, 2016, all of the mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government sponsored entities and agencies, are current as to the payment of interest and principal and the Company expects to collect the full amount of the principal and interest payments. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2016. As a result of the above analysis, for the year ended December 31, 2016, the Company did not recognize any other-than-temporary impairment losses for credit or any other reason.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2016
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	(4) Loans and Allowance for Loan Losses The following tables present the recorded investment in loans by loan class: December 31, 2016 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 151,366 12,243 163,609 Other 27,539 46 27,585 Real estate mortgage - 1 to 4 family: First mortgages 2,158,904 665,183 2,824,087 Home equity loans 60,892 10,754 71,646 Home equity lines of credit 286,586 48,255 334,841 Installment 7,048 1,770 8,818 Total loans, net $ 2,692,335 738,251 3,430,586 Less: Allowance for loan losses 43,890 Net loans $ 3,386,696 December 31, 2015 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 160,965 14,908 175,873 Other 27,449 93 27,542 Real estate mortgage - 1 to 4 family: First mortgages 2,093,957 566,715 2,660,672 Home equity loans 52,251 8,250 60,501 Home equity lines of credit 308,165 51,160 359,325 Installment 8,000 1,391 9,391 Total loans, net $ 2,650,787 642,517 3,293,304 Less: Allowance for loan losses 44,762 Net loans $ 3,248,542 * Includes New York, New Jersey, Vermont, and Massachusetts. At December 31, 2016 and 2015, the Company had approximately $24.8 million and $26.6 million of real estate construction loans, respectively. Of the $24.8 million in real estate construction loans at December 31, 2016, approximately $16.3 million were secured by first mortgages to residential borrowers with the remaining $8.5 million were to commercial borrowers for residential construction projects. Of the $26.6 million in real estate construction loans at December 31, 2015, approximately $16.0 million are secured by first mortgages to residential borrowers while approximately $10.6 million were to commercial borrowers for residential construction projects. The vast majority of construction loans are in the Company’s New York market. At December 31, 2016 and 2015, loans to executive officers, directors, and to associates of such persons aggregated $7.7 million and $7.6 million, respectively. During 2016, approximately $2.1 million of new loans were made and repayments of loans totaled approximately $1.4 million. The composition of related parties changed during the year resulting in a reduction of approximately $567 thousand to outstanding loans to related parties at December 31, 2016. All loans are current according to their terms. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. The following tables present the recorded investment in non-accrual loans by loan class: December 31, 2016 (dollars in thousands) New York and other states Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 1,843 - 1,843 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 17,727 1,659 19,386 Home equity loans 95 - 95 Home equity lines of credit 3,376 270 3,646 Installment 48 - 48 Total non-accrual loans 23,089 1,929 25,018 Restructured real estate mortgages - 1 to 4 family 42 - 42 Total nonperforming loans $ 23,131 1,929 25,060 December 31, 2015 (dollars in thousands) New York and other states Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 3,024 - 3,024 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 19,488 1,488 20,976 Home equity loans 212 - 212 Home equity lines of credit 3,573 329 3,902 Installment 90 8 98 Total non-accrual loans 26,387 1,825 28,212 Restructured real estate mortgages - 1 to 4 family 48 - 48 Total nonperforming loans $ 26,435 1,825 28,260 The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of December 31, 2016 and December 31, 2015, other real estate owned included $3.5 million and $5.4 million, respectively, of residential foreclosed properties. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $12.5 million and $13.2 million as of December 31, 2016 and December 31, 2015, respectively. The following tables present the aging of the recorded investment in past due loans by loan class and by region as of December 31, 2016 and 2015: New York and other states: December 31, 2016 (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 $ 50 43 1,706 1,799 149,567 151,366 Other - - - - 27,539 27,539 Real estate mortgage - 1 to 4 family: First mortgages 6,379 2,924 9,643 18,946 2,139,958 2,158,904 Home equity loans 50 3 74 127 60,765 60,892 Home equity lines of credit 685 111 1,839 2,635 283,951 286,586 Installment 34 32 15 81 6,967 7,048 Total $ 7,198 3,113 13,277 23,588 2,668,747 2,692,335 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 $ - - - - 12,243 12,243 Other - - - - 46 46 Real estate mortgage - 1 to 4 family: First mortgages 1,942 69 1,255 3,266 661,917 665,183 Home equity loans 19 - - 19 10,735 10,754 Home equity lines of credit - - 156 156 48,099 48,255 Installment 30 6 - 36 1,734 1,770 Total $ 1,991 75 1,411 3,477 734,774 738,251 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 $ 50 43 1,706 1,799 161,810 163,609 Other - - - - 27,585 27,585 Real estate mortgage - 1 to 4 family: First mortgages 8,321 2,993 10,898 22,212 2,801,875 2,824,087 Home equity loans 69 3 74 146 71,500 71,646 Home equity lines of credit 685 111 1,995 2,791 332,050 334,841 Installment 64 38 15 117 8,701 8,818 Total $ 9,189 3,188 14,688 27,065 3,403,521 3,430,586 New York and other states: December 31, 2015 (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 $ - - 2,340 2,340 158,625 160,965 Other - - - - 27,449 27,449 Real estate mortgage - 1 to 4 family: First mortgages 4,321 2,037 12,529 18,887 2,075,070 2,093,957 Home equity loans 43 - 149 192 52,059 52,251 Home equity lines of credit 572 204 1,418 2,194 305,971 308,165 Installment 34 19 88 141 7,859 8,000 Total $ 4,970 2,260 16,524 23,754 2,627,033 2,650,787 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 $ 10 - - 10 14,898 14,908 Other - - - - 93 93 Real estate mortgage - 1 to 4 family: First mortgages 665 271 851 1,787 564,928 566,715 Home equity loans - - - - 8,250 8,250 Home equity lines of credit 159 - 240 399 50,761 51,160 Installment 1 21 - 22 1,369 1,391 Total $ 835 292 1,091 2,218 640,299 642,517 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 $ 10 - 2,340 2,350 173,523 175,873 Other - - - - 27,542 27,542 Real estate mortgage - 1 to 4 family: First mortgages 4,986 2,308 13,380 20,674 2,639,998 2,660,672 Home equity loans 43 - 149 192 60,309 60,501 Home equity lines of credit 731 204 1,658 2,593 356,732 359,325 Installment 35 40 88 163 9,228 9,391 Total $ 5,805 2,552 17,615 25,972 3,267,332 3,293,304 At December 31, 2016 and 2015, there were no loans that are 90 days past due and still accruing interest. As a result, non-accrual loans includes all loans 90 days past due and greater as well as certain loans less than 90 days past due that were placed in non-accruing status for reasons other than delinquent status. There are no commitments to extend further credit on nonaccrual or restructured loans. Activity in the allowance for loan losses by portfolio segment is summarized as follows: (dollars in thousands) For the year ended December 31, 2016 Commercial Real Estate Installment Total Balance at beginning of period $ 4,491 39,753 518 44,762 Loans charged off: New York and other states* 795 3,447 303 4,545 Florida - 126 39 165 Total loan chargeoffs 795 3,573 342 4,710 Recoveries of loans previously charged off: New York and other states* 207 613 64 884 Florida - 4 - 4 Total recoveries 207 617 64 888 Net loans charged off 588 2,956 278 3,822 Provision for loan losses 1,026 1,434 490 2,950 Balance at end of period $ 4,929 38,231 730 43,890 (dollars in thousands) For the year ended December 31, 2015 Commercial Real Estate Installment Total Balance at beginning of period $ 4,071 42,088 168 46,327 Loans charged off: New York and other states* 779 4,631 168 5,578 Florida - 320 17 337 Total loan chargeoffs 779 4,951 185 5,915 Recoveries of loans previously charged off: New York and other states* 20 572 46 638 Florida 7 5 - 12 Total recoveries 27 577 46 650 Net loans charged off 752 4,374 139 5,265 Provision for loan losses 1,172 2,039 489 3,700 Balance at end of period $ 4,491 39,753 518 44,762 (dollars in thousands) For the year ended December 31, 2014 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,019 43,597 98 47,714 Loans charged off: New York and other states* 397 5,485 201 6,083 Florida 613 835 13 1,461 Total loan chargeoffs 1,010 6,320 214 7,544 Recoveries of loans previously charged off: New York and other states* 34 442 28 504 Florida 480 69 4 553 Total recoveries 514 511 32 1,057 Net loans charged off 496 5,809 182 6,487 Provision for loan losses 548 4,300 252 5,100 Balance at end of period $ 4,071 42,088 168 46,327 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2016 and 2015: December 31, 2016 (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 4,929 38,231 730 43,890 Total ending allowance balance $ 4,929 38,231 730 43,890 Loans: Individually evaluated for impairment $ 2,418 21,607 - 24,025 Collectively evaluated for impairment 188,776 3,208,967 8,818 3,406,561 Total ending loans balance $ 191,194 3,230,574 8,818 3,430,586 December 31, 2015 (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 4,491 39,753 518 44,762 Total ending allowance balance $ 4,491 39,753 518 44,762 Loans: Individually evaluated for impairment $ 3,306 22,575 - 25,881 Collectively evaluated for impairment 200,109 3,057,923 9,391 3,267,423 Total ending loans balance $ 203,415 3,080,498 9,391 3,293,304 The Company has identified nonaccrual commercial and commercial real estate loans, as well as all loans restructured under a troubled debt restructuring (TDR), as impaired loans. A loan is considered impaired when it is probable that the borrower will be unable to repay the loan according to the original contractual terms of the loan agreement or the loan is restructured in a TDR. A loan for which the terms have been modified, and for which the borrower is experiencing financial difficulties, is considered a TDR and is classified as impaired. TDRs at December 31, 2016 and 2015 are measured at the present value of estimated future cash flows using the loan’s effective rate at inception or the fair value of the underlying collateral if the loan is considered collateral dependent. The following tables present impaired loans by loan class as of December 31, 2016 and 2015: New York and other states: December 31, 2016 (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 2,418 3,470 - 2,214 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 16,675 17,439 - 15,665 Home equity loans 269 305 - 251 Home equity lines of credit 1,999 2,160 - 1,806 Total $ 21,361 23,374 - 19,936 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,009 2,100 - 1,800 Home equity loans 94 94 - 81 Home equity lines of credit 561 633 - 591 Total $ 2,664 2,827 - 2,472 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 2,418 3,470 - 2,214 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 18,684 19,539 - 17,465 Home equity loans 363 399 - 332 Home equity lines of credit 2,560 2,793 - 2,397 Total $ 24,025 26,201 - 22,408 New York and other states: December 31, 2015 (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 3,306 3,996 - 3,608 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 17,460 18,602 - 18,127 Home equity loans 359 417 - 382 Home equity lines of credit 2,306 2,569 - 2,238 Total $ 23,431 25,584 - 24,355 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,760 1,852 - 1,489 Home equity loans 53 53 - 54 Home equity lines of credit 637 720 - 654 Total $ 2,450 2,625 - 2,197 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 3,306 3,996 - 3,608 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 19,220 20,454 - 19,616 Home equity loans 412 470 - 436 Home equity lines of credit 2,943 3,289 - 2,892 Total $ 25,881 28,209 - 26,552 The Company has not committed to lend additional amounts to customers with outstanding loans that are classified as impaired. Interest income recognized on impaired loans was not material in 2016, 2015, and 2014. Included in impaired loans as of December 31, 2016 and 2015 are approximately $11.5 million and $10.9 million, respectively, of loans in accruing status that were identified as TDRs. Management evaluates impairment on impaired loans on a quarterly basis. If, during this evaluation, impairment of the loan is identified, a charge-off is taken at that time if necessary. As a result, as of December 31, 2016 and 2015, based upon management’s evaluation and due to the sufficiency of charge-offs taken, none of the allowance for loan losses has been allocated to a specific impaired loan(s). The following table presents modified loans by class that were determined to be TDRs that occurred during the years ended December 31, 2016, 2015 and 2014: Year ended 12/31/2016 Year ended 12/31/2015 Year ended 12/31/2014 New York and other states*: Pre-Modification Post-Modification Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Commercial: Commercial real estate 2 $ 401 401 - $ - - 1 $ 294 294 Real estate mortgage - 1 to 4 family: First mortgages 30 2,871 2,871 35 4,797 4,797 41 5,585 5,585 Home equity loans 1 44 44 1 137 137 4 77 77 Home equity lines of credit 10 402 402 7 506 506 3 194 194 Total 43 $ 3,718 3,718 43 $ 5,440 5,440 49 $ 6,150 6,150 Florida: Pre-Modification Post-Modification Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 4 504 504 6 780 780 7 676 676 Home equity loans 1 45 45 - - - 1 56 56 Home equity lines of credit 1 6 6 4 107 107 3 368 368 Total 6 $ 555 555 10 $ 887 887 11 $ 1,100 1,100 The addition of these TDRs did not have a significant impact on the allowance for loan losses. The following table presents loans by class modified as TDRs that occurred during the years ended December 31, 2016, 2015 and 2014 for which there was a payment default within 12 months of modification: Year ended 12/31/2016 Year ended 12/31/2015 Year ended 12/31/2014 New York and other states*: (dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 3 291 2 148 7 355 Home equity lines of credit 1 141 2 24 1 35 Total 4 $ 432 4 $ 172 8 $ 390 Florida: Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages - $ - - $ - 1 $ 60 Home equity lines of credit - - - - 1 279 Total - $ - - $ - 2 $ 339 In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In situations involving a borrower filing for Chapter 13 bankruptcy protection, however, a loan is considered to be in payment default once it is 30 days contractually past due, consistent with the treatment by the bankruptcy court. The TDRs that subsequently defaulted described above did not have a material impact on the allowance for loan losses as the underlying collateral was evaluated at the time these loans were identified as TDRs, and a charge-off was taken at that time, if necessary. Collateral values on these loans are reviewed for collateral sufficiency on a quarterly basis. The Company categorizes non-homogenous loans such as commercial and commercial real estate loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, in accordance with the Company’s Loan Policy, the Company analyzes non-homogeneous loans, individually by grading the loans based on credit risk. The loan grades assigned to all loan types are tested by the Company’s loan review department in accordance with the Company’s loan review policy. The Company uses the following definitions for classified loans: Special Mention Substandard Doubtful: Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be pass rated loans. As of December 31, 2016 and 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2016 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 136,676 14,690 151,366 Other 25,442 2,097 27,539 $ 162,118 16,787 178,905 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 12,243 - 12,243 Other 46 - 46 $ 12,289 - 12,289 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 148,919 14,690 163,609 Other 25,488 2,097 27,585 $ 174,407 16,787 191,194 December 31, 2015 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,335 15,630 160,965 Other 26,715 734 27,449 $ 172,050 16,364 188,414 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 14,908 - 14,908 Other 93 - 93 $ 15,001 - 15,001 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 160,243 15,630 175,873 Other 26,808 734 27,542 $ 187,051 16,364 203,415 Included in classified loans in the above tables are impaired loans of $1.8 million and $3.0 million at December 31, 2016 and 2015, respectively. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for loan losses. The payment status of these homogeneous pools at December 31, 2016 and 2015 is included in the aging of the recorded investment of past due loans table. In addition, the total nonperforming portion of these homogeneous loan pools at December 31, 2016 and 2015 is presented in the recorded investment in non-accrual loans table.

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Bank Premises and Equipment [Abstract]
Bank Premises and Equipment	(5) Bank Premises and Equipment A summary of premises and equipment at December 31, 2016 and 2015 follows: (dollars in thousands) 2016 2015 Land $ 2,308 2,413 Buildings 33,617 33,050 Furniture, fixtures and equipment 49,503 48,819 Leasehold improvements 29,695 29,389 Total bank premises and equipment 115,123 113,670 Accumulated depreciation and amortization (79,657 ) (76,026 ) Total $ 35,466 37,643 Depreciation and amortization expense was approximately $4.0 million, $4.6 million, and $4.8 million for the years 2016, 2015, and 2014, respectively. Occupancy expense of the Bank’s premises included rental expense of $7.6 million in 2016, $7.5 million in 2015, and $7.3 million in 2014.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2016
Deposits [Abstract]
Deposits	(6) Deposits Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2016 2015 2014 Interest bearing checking accounts $ 473 448 365 Savings accounts 2,148 2,468 2,662 Time deposits and money market accounts 11,592 12,067 11,064 Total $ 14,213 14,983 14,091 At December 31, 2016, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 1,039,185 1 to 2 years 65,984 2 to 3 years 49,823 3 to 4 years 3,015 4 to 5 years 1,256 Over 5 years 200 $ 1,159,463 Included in total time deposits as of December 31, 2016 and 2015 is $ 144.2 million and $98.7 million in time deposits with balances in excess of $250,000.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2016
Short-Term Borrowings [Abstract]
Short-Term Borrowings	(7) Short-Term Borrowings Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2016 2015 2014 Amount outstanding at December 31, $ 209,406 191,226 189,116 Maximum amount outstanding at any month end 209,406 194,738 209,370 Average amount outstanding 185,672 184,725 189,430 Weighted average interest rate: For the year 0.59 % 0.66 0.74 As of year end 0.59 0.60 0.72 Cash management accounts represent retail accounts with customers for which the Bank has pledged certain assets as collateral. Trustco Bank also has an available line of credit with the Federal Home Loan Bank of New York which approximates the balance of securities and/or loans pledged against such borrowings. The line of credit requires securities and/or loans to be pledged as collateral for the amount borrowed. As of December 31, 2016 and 2015, the Company had no outstanding borrowings with the Federal Home Loan Bank of New York. Trustco Bank is approved to borrow on a short-term basis from the Federal Reserve Bank of New York. The Bank has pledged certain securities to the Federal Reserve Bank to support this arrangement. As of December 31, 2016 and 2015, the Bank had no outstanding borrowings with the Federal Reserve Bank of New York.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2016
Income Taxes [Abstract]
Income Taxes	(8) Income Taxes A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2016 2015 2014 Current tax expense: Federal $ 20,904 19,864 22,046 State 1,524 1,647 2,386 Total current tax expense 22,428 21,511 24,432 Deferred tax expense 3,261 3,011 2,964 Total income tax expense $ 25,689 24,522 27,396 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2016 and 2015, are as follows: December 31, (dollars in thousands) 2016 2015 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (5,474 ) $ (4,992 ) Difference in reporting the allowance for loan losses, net 18,117 18,576 Other income or expense not yet reported for tax purposes 129 2,607 Depreciable assets (638 ) (796 ) Net deferred tax asset at end of year 12,134 15,395 Net deferred tax asset at beginning of year 15,395 18,406 Deferred tax expense $ 3,261 $ 3,011 Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. Based primarily on the sufficiency of historical and expected future taxable income, management believes it is more likely than not that the remaining deferred tax asset of $12.1 million and $15.4 million at December 31, 2016 and 2015, respectively, will be realized. In addition to the deferred tax items described in the preceding table, the Company has deferred tax assets of $4.4 million and $3.0 million at December 31, 2016 and 2015, respectively, relating to the net unrealized losses on securities available for sale and deferred tax (liabilities) assets of ($339) thousand and $193 thousand at December 31, 2016 and 2015, respectively, as a result of the net change in overfunded position in the Company’s pension and postretirement benefit plans recorded, net of tax, as an adjustment to accumulated other comprehensive loss. The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the years ended December 31, 2016 2015 2014 Statutory federal income tax rate 35.0 % 35.0 35.0 Increase/(decrease) in taxes resulting from: Tax exempt income (0.1 ) (0.1 ) (0.1 ) State income tax (including alternative minimum tax), net of federal tax benefit 1.8 1.8 2.7 Other items 0.9 - 0.7 Effective income tax rate 37.6 % 36.7 38.3 On a periodic basis, the Company evaluates its income tax positions based on tax laws and regulations and financial reporting considerations, and records adjustments as appropriate. This evaluation takes into consideration the status of taxing authorities’ current examinations of the Company’s tax returns, recent positions taken by the taxing authorities on similar transactions, if any, and the overall tax environment in relation to uncertain tax positions. For the years ended December 31, 2016 and 2015 the unrecognized tax benefits and change in those unrecognized tax benefits from the beginning of the year are as follows: (dollars in thousands) Balance as of January 1, 2015 $ 213 Change in unrecognized tax reserve - Balance as of December 31, 2015 $ 213 Decrease due to lapse in statute of limitations (213 ) Balance as of December 31, 2016 $ - The Company does not anticipate a material charge to the amount of unrecognized tax benefits in the next twelve months. The Company recognizes interest and/or penalties related to income tax matters in noninterest expense. For the years 2016, 2015, and 2014, these amounts were not material. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction as well as in various states. In the normal course of business, the Company is subject to U.S. federal, state, and local income tax examinations by tax authorities. The Company's federal and state income tax returns for the years 2013 through 2016 remain open to examination.

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2016
Benefit Plans [Abstract]
Benefit Plans	(9) Benefit Plans (a) Retirement Plan The Company maintains a trusteed non-contributory pension plan covering employees that have completed one year of employment and 1,000 hours of service. The benefits are based on the sum of (a) a benefit equal to a prior service benefit plus the average of the employees’ highest five consecutive years’ compensation in the ten years preceding retirement multiplied by a percentage of service after a specified date plus (b) a benefit based upon career average compensation. The amounts contributed to the plan are determined annually on the basis of (a) the maximum amount that can be deducted for federal income tax purposes or (b) the amount certified by a consulting actuary as necessary to avoid an accumulated funding deficiency as defined by the Employee Retirement Income Security Act of 1974. Contributions are intended to provide for benefits attributed to service to date. Assets of the plan are administered by Trustco Bank’s Financial Services Department. This plan was frozen as of December 31, 2006. The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2016 and 2015: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2016 2015 Projected benefit obligation at beginning of year $ 30,889 33,662 Service cost 61 60 Interest cost 1,371 1,329 Benefit payments and expected expenses (1,782 ) (1,676 ) Net actuarial loss (gain) 191 (2,486 ) Projected benefit obligation at end of year $ 30,730 30,889 Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2016 2015 Fair Value of plan assets at beginning of year $ 41,677 42,993 Actual gain on plan assets 3,187 360 Company contributions - - Benefit payments and actual expenses (1,764 ) (1,676 ) Fair value of plan assets at end of year 43,100 41,677 Funded status at end of year $ 12,370 10,788 Amounts recognized in accumulated other comprehensive loss consist of the following as of: December 31, 2016 2015 Net actuarial loss $ 5,279 5,830 The accumulated benefit obligation was $30.7 million and $30.9 million at December 31, 2016 and 2015, respectively. Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive (Loss) Income: (dollars in thousands) For the years ended December 31, 2016 2015 2014 Service cost $ 61 60 58 Interest cost 1,371 1,329 1,374 Expected return on plan assets (2,648 ) (2,735 ) (2,504 ) Amortization of net loss 184 210 - Net periodic pension credit (1,032 ) (1,136 ) (1,072 ) Amortization of net loss (184 ) (210 ) - Net actuarial (gain) / loss included in other comprehensive (loss) income (367 ) (109 ) 5,337 Total recognized in other comprehensive loss (551 ) (319 ) 5,337 Total recognized in net periodic benefit (credit) cost and other comprehensive (loss) income $ (1,583 ) (1,455 ) 4,265 The estimated net loss for the plan that will be amortized from accumulated other comprehensive loss into net periodic benefit income over the next fiscal year is $96 thousand. Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2017 $ 1,776 2018 1,802 2019 1,828 2020 1,862 2021 1,912 2022 - 2026 9,442 The assumptions used to determine benefit obligations at December 31 are as follows: 2016 2015 2014 Discount rate 4.41 % 4.55 4.03 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2016 2015 2014 Discount rate 4.55 % 4.03 5.08 Expected long-term rate of return on assets 6.50 6.50 6.50 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. (b) Supplemental Retirement Plan The Company also has a supplementary pension plan under which additional retirement benefits are accrued for eligible executive officers. This plan supplements the defined benefit retirement plan for eligible employees that exceed the Internal Revenue Service limit on the amount of pension payments that are allowed from a retirement plan. The supplemental plan provides eligible employees with total benefit payments as calculated by the retirement plan without regard to this limitation. Benefits under this plan are calculated using the same actuarial assumptions and interest rates as used for the retirement plan calculations. The accumulated benefits under this supplementary pension plan was approximately $5.6 million as of December 31, 2016 and 2015. Effective as of December 31, 2008, this plan has been frozen and no additional benefits will accrue. Instead, the amount of the Company’s annual contribution to the plan plus interest is paid directly to each eligible employee. The expense recorded for this plan was $1.0 million, $1.0 million, and $1.5 million, in 2016, 2015, and 2014, respectively. Rabbi trusts have been established for this plan. These trust accounts are administered by the Trustco Financial Services Department and invest primarily in bonds issued by government-sponsored enterprises and money market instruments. These assets are recorded at their fair value and are included in securities available for sale and other short-term investments in the Consolidated Statements of Condition. As of December 31, 2016 and 2015, the trusts had assets totaling $5.6 million. (c) Postretirement Benefits The Company permits retirees under age 65 to participate in the Company’s medical plan by making certain payments. In addition, the plan provides a death benefit to certain eligible employees and retirees. In 2003, the Company amended the medical plan to reflect changes to the retiree medical insurance coverage portion. The Company’s subsidy of the retiree medical insurance premiums was eliminated at that time. The Company continues to provide postretirement medical benefits for a limited number of executives in accordance with their employment contracts. The following tables show the plan’s funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2016 and 2015: Change in Accumulated Benefit Obligation: December 31, (dollars in thousands) 2016 2015 Accumulated benefit obligation at beginning of year $ 5,434 6,455 Service cost 116 165 Interest cost 221 268 Plan amendments - - Benefits paid (70 ) (85 ) Net actuarial gain (581 ) (1,369 ) Accumulated benefit obligation at end of year $ 5,120 5,434 Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2016 2015 Fair value of plan assets at beginning of year $ 19,238 19,285 Actual gain on plan assets 1,104 (47 ) Company contributions 66 85 Benefits paid (70 ) (85 ) Fair value of plan assets at end of year 20,338 19,238 Funded status at end of year $ 15,218 13,804 December 31, Amounts recognized in accumulated other comprehensive loss consist of the following as of: 2016 2015 Net actuarial gain $ (4,581 ) (3,890 ) Prior service credit (1,547 ) (1,457 ) Total $ (6,128 ) (5,347 ) The accumulated benefit obligation was $5.1 million and $5.4 million at December 31, 2016 and 2015, respectively. Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive (Loss) Income: For the years ended December 31, (dollars in thousands) 2016 2015 2014 Service cost $ 116 $ 165 100 Interest cost 221 268 217 Expected return on plan assets (720 ) (722 ) (672 ) Amortization of net actuarial gain (274 ) (140 ) (297 ) Amortization of prior service cost 90 90 199 Net periodic benefit credit (567 ) (339 ) (453 ) Net (gain) loss (966 ) (602 ) 1,219 Prior service cost - - 1,811 Amortization of prior service cost (90 ) (90 ) (199 ) Amortization of net gain 274 140 297 Total amount recognized in other comprehensive (loss) income (782 ) (552 ) 3,128 Total amount recognized in net periodic benefit cost and other comprehensive (loss) income $ (1,349 ) $ (891 ) 2,675 The estimated amount of net gain that will be amortized from accumulated other comprehensive loss into net periodic benefit income over the next fiscal year is approximately $341 thousand while the estimated amount of prior service cost that will be amortized from accumulated other comprehensive loss into net periodic benefit income over the next fiscal year is approximately $90 thousand. Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2017 $ 87 2018 98 2019 112 2020 117 2021 146 2022 - 2026 965 The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2016 2015 2014 Discount rate 4.41 % 4.55 4.03 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2016 2015 2013 Discount rate 4.55 % 4.03 5.08 Expected long-term rate of return on assets, net of tax 3.75 3.75 3.75 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. For measurement purposes, a graded annual rate of increase in the per capita cost of covered benefits (i.e., health care cost trend rate) was assumed for 2016 and thereafter. A one percentage point increase in the assumed health care cost in each year would have an approximate $1.1 million impact on the accumulated postretirement benefit obligation as of December 31, 2016, while a 1% decrease would have an approximate $837 thousand impact. The impact on the interest and service components of net periodic postretirement benefit credit for the year ended December 31, 2016 would be $74 thousand for a one percentage point increase and $57 thousand for a one percentage point decrease. (d) Components of Accumulated Other Comprehensive Loss Related to Retirement and Postretirement Benefit Plans The following table details the change in the components of other comprehensive (loss) income related to the retirement plan and the postretirement benefit plan, at December 31, 2016 and 2015, respectively: (dollars in thousands) December 31, 2016 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (367 ) (966 ) (1,333 ) Amortization of net actuarial (loss) gain (184 ) 274 90 Amortization of prior service cost - (90 ) (90 ) Total $ (551 ) (782 ) (1,333 ) December 31, 2015 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (109 ) (602 ) (711 ) Amortization of net actuarial gain (loss) (210 ) 140 (70 ) Amortization of prior service credit - (90 ) (90 ) Total $ (319 ) (552 ) (871 ) (e) Major Categories of Pension and Postretirement Benefit Plan Assets: The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2016 2015 2016 2015 Debt Securities 31 % 32 33 25 Equity Securities 64 60 62 60 Other 5 8 6 15 Total 100 % 100 100 100 The expected long-term rate-of-return on plan assets, noted in sections (a) and (b) above, reflects long-term earnings expectations on existing plan assets. In estimating that rate, appropriate consideration was given to historical returns earned by plan assets and the rates of return expected to be available for reinvestment. Rates of return were adjusted to reflect current capital market assumptions and changes in investment allocations. The Company’s investment policies and strategies for the pension benefit and postretirement benefit plans prescribe a target allocation of 50% to 70% equity securities, 25% to 40% debt securities, and 0% to 10% for other securities for the asset categories. The Company’s investment goals are to maximize returns subject to specific risk management policies. Its risk management policies permit direct investments in equity and debt securities and mutual funds while prohibiting direct investment in derivative financial instruments. The Company addresses diversification by the use of mutual fund investments whose underlying investments are in domestic and international debt and equity securities. These mutual funds are readily marketable and can be sold to fund benefit payment obligations as they become payable. Fair Value of Plan Assets: Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Equity mutual funds, Fixed Income mutual funds and Debt Securities The fair value of the plan assets at December 31, 2016 and 2015, by asset category, is as follows: Retirement Plan Fair Value Measurements at December 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 2,027 2,027 - - Equity mutual funds 27,706 27,706 - - U.S. government sponsored enterprises 4,233 - 4,233 - Corporate bonds 8,535 - 8,535 - Fixed income mutual funds 599 599 - - Total Plan Assets $ 43,100 30,332 12,768 - Postretirement Benefits Fair Value Measurements at December 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 1,172 1,172 - - Equity mutual funds 12,540 12,540 - - U.S. government sponsored enterprises 2,049 - 2,049 - Corporate bonds 3,127 - 3,127 - State and political subdivisions 1,450 - 1,450 - Total Plan Assets $ 20,338 13,712 6,626 - Retirement Plan Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 3,182 3,182 - - Equity mutual funds 25,352 25,352 - - U.S. government sponsored enterprises 5,779 - 5,779 - Corporate bonds 6,771 - 6,771 - Fixed income mutual funds 593 593 - - Total Plan Assets $ 41,677 29,127 12,550 - Postretirement Benefits Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 2,832 2,832 - - Equity mutual funds 11,513 11,513 - - U.S. government sponsored enterprises 1,843 - 1,843 - Corporate bonds 1,074 - 1,074 - State and political subdivisions 1,976 - 1,976 - Total Plan Assets $ 19,238 14,345 4,893 - At December 31, 2016 and 2015, the majority of the equity mutual funds included in the plan assets of the retirement plan and postretirement benefit plan consist of large-cap index funds, while the remainder of the equity mutual funds consists of mid-cap, small-cap and international funds. There were no transfers between Level 1 and Level 2 in 2016 and 2015. The Company made no contributions to its pension and postretirement benefit plans in 2016 or 2015. The Company does not expect to make any contributions to its pension and postretirement benefit plans in 2017. (f) Incentive and Bonus Plans During 2006, the Company amended its profit sharing plan to include a 401(k) feature. Under the 401(k) feature, the Company matches 100% of the aggregate salary contribution up to the first 3% of compensation and 50% of the aggregate contribution of the next 3%. No profit sharing contributions were made in 2016, 2015 or 2014 but were replaced with Company contributions to the 401(k) feature of the plan. Expenses related to the plan aggregated $986 thousand for 2016, $944 thousand in 2015 and $710 thousand in 2014. The Company also has an officers and executive incentive plan. The expense of these plans generally are based on the Company’s performance and estimated distributions to participants are accrued during the year and generally paid in the following year. The expense recorded for this plan was $1.7 million, $715 thousand and $1.3 million in 2016, 2015 and 2014, respectively. The Company has also awarded 2.1 million performance bonus units to the executive officers and directors. These units become vested and exercisable only under a change of control as defined in the plan. The units were awarded based upon the stock price at the time of grant and, if exercised under a change of control, allow the holder to receive the increase in value offered in the exchange over the stock price at the date of grant for each unit, if any. As of December 31, 2016, the weighted average strike price of each unit was $8.03. (g) Stock-Based Compensation Plans-Equity Awards Equity awards are types of stock-based compensation that are to be settled in shares. As such, the amount of compensation expense to be paid at the time of settlement is included in surplus in the Consolidated Statement of Condition. Under the Amended and Restated TrustCo Bank Corp NY 2010 Equity Incentive Plan (Equity Incentive Plan), the Company may grant stock options and restricted stock to its eligible employees for up to approximately 2.3 million shares of common stock, and may make certain other equity based, cash-settled awards (description in section (h) below) for up to the equivalent of approximately 1.4 million shares of common stock. Under the Amended and Restated TrustCo Bank Corp NY 2010 Directors Equity Incentive Plan (Directors Plan), the Company may grant stock options and restricted stock to its directors for up to approximately 250 thousand shares of common stock, and may make certain other equity based, cash-settled awards (description in section (h) below) for up to the equivalent of approximately 250 thousand shares of common stock. Under each of these plans, the exercise price of each option equals the fair value of the Company’s stock on the date of grant, and an option’s maximum term is ten years. Options vest over five years from the date the options are granted for the employees plans and they are immediately vested under the directors’ plans. A summary of the status of TrustCo’s stock option awards as of December 31, 2016 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2016 2,324,971 $ 7.34 New options awarded - 2016 - - Expired options - 2016 - - Options forfeited-2016 - - Exercised options - 2016 (240,930 ) 5.32 Balance, December 31, 2016 2,084,041 $ 7.57 4.0 years Exercisable Options Balance, December 31, 2016 1,674,741 $ 7.80 3.1 years At December 31, 2016, the intrinsic value of outstanding stock options and vested stock options was approximately $2.6 million and $2.0 million, respectively. The Company expects all unvested options to vest according to plan provisions. During 2016, 2015 and 2014, options for 241 thousand, 28 thousand and 18 thousand shares of stock were exercised, respectively. The intrinsic value and related tax benefits of stock options exercised in these years was not material. It is the Company’s policy to generally issue stock for stock option exercises from previously unissued shares of common stock or treasury shares. Unrecognized stock-based compensation expense related to non-vested stock options totaled $367 thousand at December 31, 2016. At such date, the weighted-average period over which this unrecognized expense was expected to be recognized was 3.8 years. Valuation of Stock-Based Compensation: The fair value of the Company’s employee and director stock options granted is estimated on the measurement date, which, for the Company, is the date of grant. The weighted-average fair value of stock options granted during 2015 and 2014 estimated using the Black-Scholes option pricing model, was $0.98 and $0.93, respectively. The Company did not grant new stock option awards in 2016. The Company estimated expected market price volatility and the expected term of the options based on historical data and other factors. The assumptions used to determine the fair value of options granted during 2015 and 2014 are detailed in the table below: 2015 2014 Employees' Plan Employees' Plan Expected dividend yield 4.09 % 3.64 % Risk-free interest rate 1.74 1.74 Expected volatility rate 26.20 21.62 Expected lives 5.0 years 5.0 years During 2016, 2015 and 2014, the Company recognized $224 thousand, $204 thousand and $325 thousand in stock-based compensation expense related to the equity awards, respectively. (h) Stock-Based Compensation Plans-Liability Awards Liability awards are types of stock-based compensation that can be settled in cash (not shares). As such, the amount of compensation expense to be paid at the time of settlement is included in accrued expenses and other liabilities in the Consolidated Statement of Condition. The Company granted both service-based and performance based liability awards in 2016, 2015 and 2014. The activity for service-based awards during 2016 was as follows: Restricted share units Outstanding Units Balance, December 31, 2015 185,200 New awards granted 81,200 Forfeited awards (1,600 ) Awards settled (49,750 ) Balance, December 31, 2016 215,050 Service-Based Awards: During 2016, 2015 and 2014, the Company issued restricted share units to certain eligible officers, executives and its board of directors. The restricted share units do not hold voting powers, are not eligible for common stock dividends, and become 100% vested after three years based upon a cliff-vesting schedule. Upon issuance, the fair value of these awards is the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based on the fair value of the Company’s stock. During 2016, 2015 and 2014, the Company recognized $610 thousand, $324 thousand and $352 thousand, respectively, in stock-based compensation expense related to these awards. Unrecognized stock-based compensation expense related to the outstanding restricted share units totaled $1.1 million at December 31, 2016. During 2016, awards granted in 2013 became fully vested and settled. Awards granted after 2013 were unvested at December 31, 2016. The weighted average period over which the unrecognized expense is expected to be recognized was approximately 27 months as of December 31, 2016. The liability related to service-based liability awards totaled $687 thousand and $404 thousand at December 31, 2016 and 2015, respectively. The activity for performance-based awards during 2016 was as follows: Performance share units Outstanding Units Balance, December 31, 2015 313,700 New awards granted 108,300 Awards settled (65,000 ) Balance, December 31, 2016 357,000 Performance Based Awards: During 2016, 2015 and 2014, the Company issued performance share units to certain eligible officers and executives. These units do not hold voting powers, are not eligible for common stock dividends, and become 100% vested after three years based upon a cliff-vesting schedule. Upon issuance, fair value of these units was the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based upon the Company’s achievement of certain performance criteria in accordance with Plan provisions as well as the fair value of the Company’s stock. For units granted in 2013 and 2014, the Company concluded in 2015 that it does not expect to meet its required performance criteria and therefore has adjusted its calculation for the number of units that would be settled in cash upon vesting. For units granted in 2015 and 2016, the Company expects to meet its required performance criteria. During 2016, 2015 and 2014, the Company recognized approximately $23 thousand, ($48) thousand and $490 thousand, respectively, in stock based compensation expense (benefit) related to these units. Unrecognized stock-based compensation expense related to the outstanding performance share units totaled $1.4 million at December 31, 2016. For the units granted in years subsequent to 2013, all of the units were unvested at December 31, 2016. The weighted average period over which the unrecognized expense is expected to be recognized was approximately 30 months as of December 31, 2016. The liability related to performance based liability awards totaled $323 thousand and $699 thousand at December 31, 2016 and 2015, respectively. (i) Stock and Liability Based Compensation Expense Total compensation expense totaled $857 thousand, $480 thousand and $1.2 million in 2016, 2015 and 2014, respectively, related to awards under the Company’s equity-based compensation plans. Of the $858 thousand of stock based compensation expense recognized in 2016, $633 thousand related to liability awards as they may be settled in cash instead of shares, while the remaining $224 thousand related to equity awards Of the $480 thousand of stock based compensation expense recognized in 2015, $276 thousand related to liability awards as they may be settled in cash instead of shares, while the remaining $204 thousand related to equity awards. Of the $1.2 million of stock based compensation expense recognized in 2014, $870 thousand related to liability awards as they may be settled in cash instead of shares, while the remaining $325 thousand related to equity awards. Stock-based compensation expense is recognized ratably over the vesting period for all awards. Income tax benefits recognized in the accompanying Consolidated Statements of Income related to stock-based compensation in 2016, 2015 and 2014 was approximately $343 thousand, $192 thousand and $478 thousand, respectively.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2016
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	(10) Commitments and Contingent Liabilities (a) Leases The Bank leases certain banking premises. These leases are accounted for as operating leases with minimum rental commitments in the amounts presented below. The majority of these leases contain options to renew. (dollars in thousands) 2017 $ 7,134 2018 6,953 2019 6,848 2020 6,601 2021 6,372 2022 and after 35,758 $ 69,666 (b) Litigation Existing litigation arising in the normal course of business is not expected to result in any material loss to the Company. (c) Outsourced Services The Company contracted with third-party service providers to perform certain banking functions. The outsourced services include data and item processing for the Bank and trust operations. The service expense can vary based upon the volume and nature of transactions processed. Outsourced service expense was $6.2 million for 2016, $5.9 million for 2015 and $5.4 million in 2014. The Company is contractually obligated to pay these third-party service providers approximately $6 to $7 million per year through 2020.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2016
Earnings Per Share [Abstract]
Earnings Per Share	(11) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share Determining Whether Instruments Granted in Share-Based Payment Transactions Are Participating Securities, A reconciliation of the component parts of earnings per share for 2016, 2015 and 2014 follows: (dollars in thousands, except per share data) 2016 2015 2014 For the years ended December 31: Net income $ 42,601 42,238 44,193 Less: Net income allocated to participating securities - - 43 Net income allocated to common shareholders $ 42,601 42,238 44,150 Weighted average common shares outstanding including participating securities 95,548 95,103 94,721 Less: Participating securities - - 93 Weighted average common shares 95,548 95,103 94,628 Effect of Dilutive Securities: Stock Options 100 110 125 Weighted average common shares including potential dilutive shares 95,648 95,213 94,753 Basic EPS $ 0.446 0.444 0.467 Diluted EPS $ 0.445 0.444 0.466 As of December 31, 2016, 2015 and 2014, the weighted average number of antidilutive stock options excluded from diluted earnings per share was approximately 1.4 million, 1.5 million, and 2.3 million, respectively. The stock options are antidilutive because the strike price is greater than the average fair value of the Company’s common stock for the periods presented.

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2016
Off Balance Sheet Financial Instruments [Abstract]
Off-Balance Sheet Financial Instruments	(12) Off-Balance Sheet Financial Instruments Loan commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require a fee. Commitments sometimes expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. These arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Bank’s normal credit policies, including obtaining collateral. The Bank’s maximum exposure to credit loss for loan commitments, including unused lines of credit, at December 31, 2016 and 2015, was $462.5 million and $432.1 million, respectively. Approximately 80% and 82% of these commitments were for variable rate products at the end of 2016 and 2015, respectively. The Company does not issue any guarantees that require liability-recognition or disclosure, other than its standby letters of credit. The Company has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit totaled approximately $4.6 million and $3.5 million at December 31, 2016 and 2015, respectively, and represent the maximum potential future payments the Company could be required to make. Typically, these instruments have terms of 12 months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments. Company policies governing loan collateral apply to standby letters of credit at the time of credit extension. Loan-to-value ratios are generally consistent with loan-to-value requirements for other commercial loans secured by similar types of collateral. The fair value of the Company’s standby letters of credit at December 31, 2016 and 2015 was insignificant. No losses are anticipated as a result of loan commitments or standby letters of credit.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2016
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	(13) Fair Value of Financial Instruments Fair value measurements (ASC 820) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices or similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Impaired Loans Indications of value for both collateral-dependent impaired loans and other real estate owned are obtained from third party providers or the Company’s internal Appraisal Department. All indications of value are reviewed for reasonableness by a member of the Appraisal Department for the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value via comparison with independent data sources such as recent market data or industry-wide statistics. Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 117,266 - $ 117,266 - State and political subdivisions 886 - 886 - Mortgage backed securities and collateralized mortgage obligations - residential 372,308 - 372,308 - Corporate bonds 40,705 - 40,705 - Small Business Administration- guaranteed participation securities 78,499 - 78,499 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,011 - 10,011 - Other 685 35 650 - Total securities available for sale $ 620,360 $ 35 $ 620,325 $ - Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 86,737 $ - $ 86,737 $ - State and political subdivisions 1,290 - 1,290 - Mortgage backed securities and collateralized mortgage obligations - residential 411,729 - 411,729 - Small Business Administration- guaranteed participation securities 90,416 - 90,416 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,180 - 10,180 - Other 685 35 650 - Total securities available for sale $ 601,037 $ 35 $ 601,002 $ - There were no transfers between Level 1 and Level 2 in 2016 and 2015. Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2016 Using: 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) (dollars in thousands) Other real estate owned $ 4,268 $ - $ - $ 4,268 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (7 %) Impaired loans: Commercial real estate 1,250 - - 1,250 Sales comparison approach Adjustments for differences between comparable sales 7% - 35% (23 %) Real estate mortgage - 1 to 4 family 458 - - 458 Sales comparison approach Adjustments for differences between comparable sales 5% - 14% (10 %) Fair Value Measurements at December 31, 2015 Using: 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) (dollars in thousands) Other real estate owned $ 6,455 $ - $ - $ 6,455 Sales comparison approach Adjustments for differences between comparable sales 1% - 10% (4 %) Impaired loans: Commercial real estate 878 - - 878 Sales comparison approach Adjustments for differences between comparable sales 3% - 22% (11 %) Real estate mortgage - 1 to 4 family 3,109 - - 3,109 Sales comparison approach Adjustments for differences between comparable sales 0% - 9% (4 %) Other real estate owned, which is carried at fair value less costs to sell, was approximately $4.3 million at December 31, 2016, and consisted of $756 thousand of commercial real estate and $3.5 million of residential real estate properties. A valuation charge of $1.2 million is included in earnings for the year ended December 31, 2016. Of the total impaired loans of $24.0 million at December 31, 2016, $1.7 million are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2016. Gross charge-offs related to commercial impaired loans included in the table above were $482 thousand for the year ended December 31, 2016, while gross charge-offs related to residential impaired loans included in the table above amounted to $226 thousand. Other real estate owned, which is carried at fair value less costs to sell, was approximately $6.4 million at December 31, 2015, and consisted of $1.0 million of commercial real estate and $5.4 million of residential real estate properties. A valuation charge of $1.1 million is included in earnings for the year ended December 31, 2015. Of the total impaired loans of $25.9 million at December 31, 2015, $4.0 million are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2015. Gross charge-offs related to commercial impaired loans included in the table above were $641 thousand for the year ended December 31, 2015, while gross charge-offs related to residential impaired loans included in the table above amounted to $648 thousand. In accordance with ASC 825, the carrying amounts and estimated fair values of financial instruments at December 31, 2016 and 2015 are as follows: (dollars in thousands) Fair Value Measurements at Carrying December 31, 2016 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 707,274 707,274 - - 707,274 Securities available for sale 620,360 35 620,325 - 620,360 Held to maturity securities 45,490 - 47,526 - 47,526 Federal Reserve Bank and Federal Home Loan Bank stock 9,579 N/A N/A N/A N/A Net loans 3,386,696 - - 3,370,976 3,370,976 Accrued interest receivable 11,070 145 2,654 8,271 11,070 Financial liabilities: Demand deposits 377,755 377,755 - - 377,755 Interest bearing deposits 3,818,408 2,658,945 1,156,025 - 3,814,970 Short-term borrowings 209,406 - 209,406 - 209,406 Accrued interest payable 526 82 444 - 526 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2015 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 718,156 718,156 - - 718,156 Securities available for sale 601,037 35 601,002 - 601,037 Held to maturity securities 56,465 - 59,439 - 59,439 Federal Reserve Bank and Federal Home Loan Bank stock 9,480 N/A N/A N/A N/A Net loans 3,248,542 - - 3,279,167 3,279,167 Accrued interest receivable 10,262 80 2,370 7,812 10,262 Financial liabilities: Demand deposits 365,081 365,081 - - 365,081 Interest bearing deposits 3,735,297 2,627,367 1,111,240 - 3,738,607 Short-term borrowings 191,226 - 191,226 - 191,226 Accrued interest payable 501 74 427 - 501 The specific estimation methods and assumptions used can have a substantial impact on the resulting fair values of financial instruments. Following is a brief summary of the significant methods and assumptions used in estimating fair values: Cash and Cash Equivalents The carrying values of these financial instruments approximate fair values and are classified as level 1. Federal Reserve Bank and Federal Home Loan Bank stock It is not practical to determine the fair value of Federal Reserve Bank and Federal Home Loan Bank stock due to their restrictive nature. Securities Held to Maturity Similar to securities available for sale described previously, the fair value of securities held to maturity are determined utilizing an independent pricing service for identical assets or significantly similar securities. The pricing service uses a variety of techniques to arrive at fair value including market maker bids, quotes and pricing models. Inputs to the pricing models include recent trades, benchmark interest rates, spreads and actual and projected cash flows. This results in a level 2 classification of the inputs for determining fair value. Interest and dividend income is recorded on the accrual method and included in the income statement in the respective investment class under total interest income. The Company does not have any securities that would be designated as level 3. Loans The fair values of all loans are estimated using discounted cash flow analyses with discount rates equal to the interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. Deposit Liabilities The fair values disclosed for noninterest bearing demand deposits, interest bearing checking accounts, savings accounts, and money market accounts are, by definition, equal to the amount payable on demand at the balance sheet date resulting in a level 1 classification. The carrying value of all variable rate certificates of deposit approximates fair value resulting in a level 2 classification. The fair value of fixed rate certificates of deposit is estimated using discounted cash flow analyses with discount rates equal to the interest rates currently being offered on certificates of similar size and remaining maturity resulting in a level 2 classification. Accrued Interest Receivable/Payable The carrying amounts of accrued interest approximate fair value resulting in a level 1, level 2 or level 3 classification consistent with the asset or liability that they are associated with. Short-Term Borrowings and Other Financial Instruments The fair value of all short-term borrowings, and other financial instruments approximates the carrying value resulting in a level 2 classification. Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk. Such financial instruments consist of commitments to extend financing and standby letters of credit. If the commitments are exercised by the prospective borrowers, these financial instruments will become interest earning assets of the Company. If the commitments expire, the Company retains any fees paid by the prospective borrower. The fair value of commitments is estimated based upon fees currently charged to enter into similar agreements, taking into consideration the remaining terms of the agreements and the present creditworthiness of the borrower. For fixed rate commitments, the fair value estimation takes into consideration an interest rate risk factor. The fair value of these off-balance sheet items approximates the recorded amounts of the related fees, which are considered to be immaterial. The Company does not engage in activities involving interest rate swaps, forward placement contracts, or any other instruments commonly referred to as derivatives.

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2016
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(14) Regulatory Capital Requirements Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy regulations and, additionally for banks, the prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can result in regulatory action. The final rules implementing Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (Basel III rules) became effective for the Company on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in by January 1, 2019. The capital rules include a capital conservation buffer that is designed to absorb losses during periods of economic stress and to require increased capital levels before capital distributions and certain other payments can be made. Failure to meet the full amount of the buffer will result in restrictions on the Company’s ability to make capital distributions, including dividend payments and stock repurchases, and to pay discretionary bonuses to executive officers. Implementation of the buffer began in January 2016 at the 0.625% level, and the buffer increases 0.625% each year thereafter until it reaches 2.5% on January 1, 2019. Management believes, as of December 31, 2016, the Company and Bank meet all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is adequately capitalized, regulatory approval is required to accept brokered deposits. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of December 31, 2016 and December 31, 2015, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The following is a summary of actual capital amounts and ratios as of December 31, 2016 and 2015, for Trustco Bank: (dollars in thousands) As of December 31, 2016 Well Adequately Amount Ratio Capitalized(1) Capitalized(1)(2) Tier 1 leverage ratio $ 424,802 8.829 % 5.000 % 4.000 % Common equity Tier 1 capital 424,802 17.238 6.500 5.125 Tier 1 risk-based capital 424,802 17.238 8.000 6.625 Total risk-based capital 455,772 18.492 10.000 8.625 (dollars in thousands) As of December 31, 2015 Well Adequately Amount Ratio Capitalized(1) Capitalized(1) Tier 1 leverage ratio $ 405,506 8.600 % 5.000 % 4.000 % Common equity Tier 1 capital 405,506 17.210 6.500 4.500 Tier 1 risk-based capital 405,506 17.210 8.000 6.000 Total risk-based capital 435,149 18.470 10.000 8.000 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The December 31, 2016 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a transition capital conservation buffer of 0.625 percent The following is a summary of actual capital amounts and ratios as of December 31, 2016 and 2015 for TrustCo on a consolidated basis. (dollars in thousands) As of December 31, 2016 Minimum for Capital Adequacy plus Capital Conservation Amount Ratio Buffer Tier 1 leverage ratio $ 438,426 9.110 % 4.000 % Common equity Tier 1 capital 438,426 17.782 5.125 Tier 1 risk-based capital 438,426 17.782 6.625 Total risk-based capital 469,411 19.038 8.625 (dollars in thousands) As of December 31, 2015 Minimum for Amount Ratio Capital Adequacy Tier 1 leverage ratio $ 417,538 8.850 % 4.000 % Common equity Tier 1 capital 417,538 17.710 4.500 Tier 1 risk-based capital 417,538 17.710 6.000 Total risk-based capital 447,193 18.970 8.000

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	12 Months Ended
	Dec. 31, 2016
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	(15) Accumulated Other Comprehensive Loss The following is a summary of the accumulated other comprehensive loss balances, net of tax: For the year ended 12/31/16 Other Amount Other (dollars in thousands) comprehensive reclassified comprehensive Balance at 12/31/2015 (loss) income - before reclassifications from accumulated other comprehensive loss (loss) income - year ended 12/31/2016 Balance at 12/31/2016 Net unrealized holding loss on securities available for sale, net of tax $ (4,492 ) (1,869 ) (401 ) (2,270 ) (6,762 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax (758 ) 800 - 800 42 Net change in net actuarial loss and prior service cost on pension and postretirement benefit plans, net of tax 469 - - - 469 Accumulated other comprehensive loss, net of tax (4,781 ) (1,069 ) (401 ) (1,470 ) (6,251 ) For the year ended 12/31/15 Other Amount Other (dollars in thousands) comprehensive reclassified comprehensive (loss) income - from accumulated (loss) income - Balance at before other comprehensive year Balance at 12/31/2014 reclassifications loss ended 12/31/2015 12/31/2015 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (3,693 ) (648 ) (151 ) (799 ) (4,492 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax (1,188 ) 430 - 430 (758 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 372 - 97 97 469 Accumulated other comprehensive loss, net of tax (4,509 ) (218 ) (54 ) (272 ) (4,781 ) For the year ended 12/31/14 Other Amount Other (dollars in thousands) comprehensive reclassified comprehensive Balance at 12/31/2013 income (loss)- before reclassifications from accumulated other comprehensive loss Income (loss)- year ended 12/31/2014 Balance at 12/31/2014 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (18,078 ) 14,815 (430 ) 14,385 (3,693 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 3,843 (5,031 ) - (5,031 ) (1,188 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 432 - (60 ) (60 ) 372 Accumulated other comprehensive loss, net of tax $ (13,803 ) 9,784 (490 ) 9,294 (4,509 ) The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2016, 2015 and 2014: Years Ended (dollars in thousands) December 31, Affected Line Item 2016 2015 2014 in Financial Statements Unrealized gains on securities available for sale Realized gain on securities transactions $ 668 251 717 Net gain on securities transactions Income tax expense (267 ) (100 ) (287 ) Income taxes Net of tax 401 151 430 Amortization of pension and postretirement benefit items Amortization of net actuarial gain (loss) 90 (70 ) 297 Salaries and employee benefits Amortization of prior service cost (90 ) (90 ) (199 ) Salaries and employee benefits Income tax benefit - 63 (38 ) Income taxes Net of tax - (97 ) 60 Total reclassifications, net of tax $ 401 54 490

Building Held for Sale

Building Held for Sale	12 Months Ended
	Dec. 31, 2016
Building Held for Sale [Abstract]
Building Held for Sale	(16) Building Held for Sale During 2013, Trustco entered into an agreement to sell a building that was to be used as the regional operations center in Florida to a third party purchaser for approximately $5.0 million. As of December 31, 2013, the carrying value of the building was approximately $3.2 million and the building was held for sale and included in Other Assets in the Consolidated Statement of Financial Condition. The sale occurred during 2014 and the Company recognized a gain of $1.6 million in 2014, which is included in other noninterest income in the Consolidated Statement of Income.

Agreement with the Office of th

Agreement with the Office of the Comptroller of the Currency	12 Months Ended
	Dec. 31, 2016
Agreement with the Office of the Comptroller of the Currency [Abstract]
Agreement with the Office of the Comptroller of the Currency	(17) Agreement with the Office of the Comptroller of the Currency On July 21, 2015 Trustco Bank (the “Bank”), the wholly owned subsidiary of TrustCo Bank Corp NY, entered into a formal agreement (the “Agreement”) with the Comptroller of the Currency of the United States (the “OCC”). The Agreement relates to the findings of the OCC following an examination of the Bank. The Agreement requires the Bank to take various actions, within prescribed time frames, with respect to certain areas of the Bank. These include, among others, (i) establishment of a committee of at least three Directors to monitor and coordinate the Bank’s response to the Agreement; (ii) adoption of compliance plans to respond to the Agreement with the assistance of an independent qualified consultant; (iii) evaluation and implementation of improvements in corporate governance with the assistance of an independent qualified consultant; (iv) evaluation and implementation of improvements in internal audit; (v) development of a strategic plan; (vi) development of a revised capital plan consistent with the strategic plan; (vii) development, and implementation of improvements to the Bank’s loan review system; and (viii) such other necessary steps to address the issues and questions noted by the OCC in the Agreement.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2016
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	(18) Recent Accounting Pronouncements In May 2014, the FASB issued Accounting Standards Update (“ASU”) 2014-09, “Revenue from Contracts with Customers (Topic 606)” which implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (is) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. In July 2015, FASB deferred the effective date of the ASU by one year which means ASU 2014-09 will be effective for the Company on January 1, 2018. In addition, the FASB has begun to issue targeted updates to clarify specific implementation issues of ASU 2014-09. These updates include ASU No. 2016-08 - Principal versus Agent Considerations (Reporting Revenue Gross versus Net), ASU No. 2016-10 - Identifying Performance Obligations and Licensing and ASU No. 2016-12 - Narrow-Scope Improvements and Practical Expedients. The ASU is not expected to significantly impact the Company’s consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, “Recognition and Measurement of Financial Assets and Financial Liabilities” which amended existing guidance to improve accounting standards for financial instruments including clarification and simplification of accounting and disclosure requirements and the requirement for public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. These amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2017. The ASU is not expected to significantly impact the Company’s consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, “Leases” which amended existing guidance to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. These amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2018. The Company is evaluating the impact of ASU No. 2016-02 on its consolidated financial statements. In March 2016, the FASB issued ASU No. 2016-09, “Improvement to Employee Share-Based Payment Accounting” which amended existing guidance to simplify aspects of the accounting for share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows. These amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2016. The Company primarily issues incentive stock options (ISOs) to certain officers and directors as disclosed in Note 9 and, therefore, does not expect that the adoption of the ASU will have a significant impact on its consolidated financial statements. In June 2016, the FASB released ASU 2016-13, “Financial Instruments – Credit Losses” which amended existing guidance to replace current generally accepted accounting principles used to measure a reporting entity’s credit losses. The main objective of this update is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this update replace the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. These amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2019. The ASU represents a significant departure from current GAAP and the Company is evaluating the impact of the ASU on its consolidated financial statements, which includes developing a roadmap for implementation of the new standard.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2016
Parent Company Only [Abstract]
Parent Company Only	(19) Parent Company Only The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Comprehensive Income (dollars in thousands) Years Ended December 31, Income: 2016 2015 2014 Dividends and interest from subsidiaries $ 24,498 24,501 24,499 Miscellaneous income - - 18 Total income 24,498 24,501 24,517 Expense: Operating supplies 21 33 50 Professional services 461 577 557 Miscellaneous expense 1,258 664 1,350 Total expense 1,740 1,274 1,957 Income before income taxes and subsidiaries' undistributed earnings 22,758 23,227 22,560 Income tax benefit (578 ) (405 ) (663 ) Income before subsidiaries' undistributed earnings 23,336 23,632 23,223 Equity in undistributed earnings of subsidiaries 19,265 18,606 20,970 Net income $ 42,601 42,238 44,193 Change in other comprehensive (loss) income (1,470 ) (272 ) 9,294 Comprehensive income $ 41,131 41,966 53,487 Statements of Condition (dollars in thousands) December 31, Assets: 2016 2015 Cash in subsidiary bank $ 19,886 18,463 Investments in subsidiaries 419,075 401,289 Securities available for sale 35 35 Other assets 824 967 Total assets 439,820 420,754 Liabilities and shareholders' equity: Accrued expenses and other liabilities 7,134 7,444 Total liabilities 7,134 7,444 Shareholders' equity 432,686 413,310 Total liabilities and shareholders' equity $ 439,820 420,754 Statements of Cash Flows (dollars in thousands) Years Ended December 31, 2016 2015 2014 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 42,601 42,238 44,193 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (19,265 ) (18,606 ) (20,970 ) Stock based compensation expense 224 204 325 Net change in other assets and accrued expenses (196 ) (140 ) 388 Total adjustments (19,237 ) (18,542 ) (20,257 ) Net cash provided by operating activities 23,364 23,696 23,936 Cash flows from investing activities: Purchases of securities available for sale - - (25 ) Net cash used in investing activities - - (25 ) Cash flows from financing activities: Proceeds from exercise of stock options 1,368 147 131 Dividends paid (25,055 ) (24,937 ) (24,839 ) Payments to acquire treasury stock (701 ) (147 ) (282 ) Proceeds from sales of treasury stock 2,447 2,670 2,850 Net cash used in financing activities (21,941 ) (22,267 ) (22,140 ) Net increase in cash and cash equivalents 1,423 1,429 1,771 Cash and cash equivalents at beginning of year 18,463 17,034 15,263 Cash and cash equivalents at end of year $ 19,886 18,463 17,034

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2016
Basis of Presentation [Abstract]
Consolidation	Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions.
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Securities Available for Sale and Held to Maturity	Securities Available for Sale and Held to Maturity Securities available for sale are carried at fair value with any unrealized appreciation or depreciation of value, net of tax, included as an element of accumulated other comprehensive income or loss in shareholders’ equity. Management maintains an available for sale portfolio in order to provide maximum flexibility in balance sheet management. The designation of available for sale is made at the time of purchase based upon management’s intent to hold the securities for an indefinite period of time. These securities, however, are available for sale in response to changes in market interest rates, related changes in liquidity needs, or changes in the availability of and yield on alternative investments. Unrealized losses on securities that reflect a decline in value which is other-than-temporary, if any, are charged to earnings and/or accumulated other comprehensive income (loss). Debt securities that management has the positive intent and ability to hold until maturity are classified as held to maturity and are carried at their remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. The cost of debt securities is adjusted for amortization of premium and accretion of discount using the interest method. Premiums and discounts on securities are amortized on the interest method over the estimated remaining term of the underlying security without anticipating prepayments, except for mortgage backed securities where prepayments are anticipated. Gains and losses on the sale of securities available for sale are recorded at trade date and determined using the specific identification method.
Other Than Temporary Impairment ("OTTI")	Other-Than-Temporary Impairment (“OTTI”) A decline in the fair value of any available for sale or held to maturity security below cost that is deemed to be other-than-temporary is charged to earnings and/or accumulated other comprehensive income (loss), resulting in the establishment of a new cost basis of the security. Management evaluates these types of securities for OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Additional discussion of OTTI is included in Note 3 of the consolidated financial statements.
Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) stock	Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank is also a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received are reported as income.
Loans	Loans Loans are carried at the principal amount outstanding net of unearned income and unamortized loan fees and costs, which are recognized as adjustments to interest income over the applicable loan term. Interest income on loans is accrued based on the principal amount outstanding. Nonperforming loans include non-accrual loans and loans which are three payments or more past due and still accruing interest. Generally, loans are placed in non-accrual status either due to the delinquent status of principal and/or interest payments, or a judgment by management that, although payments of principal and/or interest are current, such action is prudent based upon specific facts and circumstances surrounding the borrower. Typically, a loan is moved to non-accrual status after 90 days of non-payment in accordance with the Company’s policy. Past due status is based on the contractual terms of the loan. All interest accrued but not received for loans placed on non-accrual status is reversed against interest income. Future payments received on nonperforming loans are recorded as interest income or principal reductions based upon management’s ultimate expectation for collection. Loans may be removed from non-accrual status when they become current as to principal and interest and have demonstrated a sustained ability to make loan payments in accordance with the contractual terms of the loan. Loans may also be removed from non-accrual status when, in the opinion of management, the loan is expected to be fully collectable as to principal and interest. When, in the opinion of management, the collection of principal appears unlikely, the loan balance is evaluated in light of its sources of repayment, and a charge-off is recorded when appropriate. Loan origination fees, net of certain direct origination costs, are deferred and recognized using the level yield method without anticipating prepayments.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is maintained at a level considered adequate by management to provide for probable incurred loan losses. The allowance is increased by provisions charged against income, while loan losses are charged against the allowance when management deems a loan balance to be uncollectible. Subsequent recoveries, if any, are credited to the allowance. The Company performs an analysis of the adequacy of the allowance on at least a quarterly basis. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations, current economic conditions, past due and charge-off trends and other factors. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to change the allowance based on their judgments of information available to them at the time of their examination. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance methodology consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Additionally, loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (TDRs) and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. TDRs are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported at the fair value of the collateral with any charge-off recognized at that time. For TDRs that subsequently default, the Company determines the amount of additional charge-off, if any, in accordance with the accounting policy for the allowance for loan losses with respect to impaired loans described previously. Commercial and commercial real estate loans in non-accrual status are defined as impaired loans and are individually evaluated for impairment. In addition, any restructured loans that meet the definition of a TDR are defined as impaired. If a loan is impaired, a charge-off is taken so that the loan is reported at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral, if repayment is expected solely from the collateral. Residential real estate loans and consumer loans are collectively evaluated for impairment. The general component of the allowance covers non-impaired loans and is based on historical loss experience adjusted for current factors. The historical loss experience is determined by geography for each portfolio segment and is based on the actual net loss history experienced by the Company over the most recent four years. This actual loss experience is supplemented with other qualitative factors based on the risks present in each geography and portfolio segment. These factors include consideration of the following: changes in national, regional and local economic trends and conditions; effects of any changes in interest rates; changes in the volume and severity of net charge-offs, delinquencies, and nonperforming loans; changes in the experience, ability, and depth of lending management and other relevant staff; changes in the quality of the Company’s loan review system; effects of any changes in credit concentrations; effects of any changes in underwriting standards, lending policies, procedures, and practices; and changes in the nature, volume and terms of loans. Changes in the volume and severity of net charge-offs, delinquencies, and nonperforming loans includes consideration of levels and trends of loan delinquencies and net charge-offs by portfolio segment. The Company’s allowance methodology also includes additional allocation percentages for residential and installment loans in non-accrual status and residential and installment loans three payments past due and still accruing interest, and residential loans with loan-to-value ratios in excess of 90% at the time of origination. Additional allocation percentages are applied to commercial loans classified as special mention and substandard by the Company’s loan review grading process that are not considered as impaired to recognize the added risk associated with these loans. The reserve percentages are determined based upon a review of recent charge-offs and take into consideration the type of loan, the fixed or variable nature of the loan, and the type and geography of the underlying collateral, if any, specifically for loans that are in these categories. The following portfolio segments have been identified: commercial loans, residential real estate loans, and installment loans: Commercial: Commercial real estate loans and other commercial loans are made based primarily on the identified cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. Commercial real estate collateral is generally located within the Bank’s geographic territories; while collateral for non-real estate secured commercial loans is typically accounts receivable, inventory, and/or equipment. Repayment is primarily dependent upon the borrower’s ability to service the debt based upon cash flows generated from the underlying business. Additional support involves liquidation of the pledged collateral and enforcement of a personal guarantee, if a guarantee is obtained. Residential real estate: Residential real estate loans, including first mortgages, home equity loans and home equity lines of credit, are collateralized by first or second liens on one-to-four family residences generally located within the Bank’s market areas. Proof of ownership title, clear mortgage title, and hazard insurance coverage are normally required. Installment: The Company’s installment loans are primarily made up of installment loans, personal lines of credit, as well as secured and unsecured credit cards. The installment loans represent a relatively small portion of the loan portfolio and are primarily used for personal expenses and are secured by automobiles, equipment and other forms of collateral, while personal lines of credit are unsecured as are most credit card loans.
Bank Premises and Equipment	Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight-line or accelerated methods over the remaining useful lives of the assets; generally 20 to 40 years for buildings, 3 to 7 years for furniture and equipment, and the shorter of the estimated life of the asset or the lease term for leasehold improvements.
Other Real Estate Owned	Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2016 and 2015, there were $4.3 million and $6.4 million, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition.
Income Taxes	Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded.
Dividend Restrictions	Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices or applications with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2017, the Bank could declare dividends of approximately $57.8 million plus any 2017 net profits retained to the date of the dividend declaration.
Benefit Plans	Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees. The benefits are based on years of service and the employee’s compensation. This plan was frozen as of December 31, 2006. The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive loss.
Stock-Based Compensation Plans	Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re-measured at each reporting date and recognized over the vesting period. For awards with performance based conditions, compensation cost is recognized over the performance period based on the Company’s expectation of the likelihood of meeting the specific performance criteria.
Earnings Per Share	Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share-based payment awards that contain rights to non-forfeitable dividends are considered participating securities for this calculation. Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options. At December 31, 2016 and 2015, the Company did not have any unvested awards that would be considered participating securities.
Reclassification of Prior Year Statements	Reclassification of Prior Year Statements It is the Company’s policy to reclassify prior year consolidated financial statements to conform to the current year presentation.
Segment Reporting	Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid-Hudson valley region of New York. In the opinion of management, the Company does not have any other reportable segments as defined by “Accounting Standards Codification” (ASC) Topic 280, “Disclosure about Segments of an Enterprise and Related Information”.
Cash and Cash Equivalents	Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes.
Trust Assets	Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Comprehensive income (loss) represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax.
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2016
Investment Securities [Abstract]
Amortized cost and fair value of the securities available for sale	The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) December 31, 2016 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 119,887 - 2,621 117,266 State and political subdivisions 873 13 - 886 Mortgage backed securities and collateralized mortgage obligations - residential 378,068 123 5,883 372,308 Corporate bonds 40,956 - 251 40,705 Small Business Administration-guaranteed participation securities 81,026 - 2,527 78,499 Mortgage backed securities and collateralized mortgage obligations - commercial 10,130 - 119 10,011 Other 650 - - 650 Total debt securities 631,590 136 11,401 620,325 Equity securities 35 - - 35 Total securities available for sale $ 631,625 136 11,401 620,360 (dollars in thousands) December 31, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 86,899 19 181 86,737 State and political subdivisions 1,270 20 - 1,290 Mortgage backed securities and collateralized mortgage obligations - residential 416,625 430 5,326 411,729 Small Business Administration-guaranteed participation securities 92,620 - 2,204 90,416 Mortgage backed securities and collateralized mortgage obligations - commercial 10,422 - 242 10,180 Other 650 - - 650 Total debt securities 608,486 469 7,953 601,002 Equity securities 35 - - 35 Total securities available for sale $ 608,521 469 7,953 601,037
Investment [Line Items]
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses	The proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses from sales and calls during 2016, 2015 and 2014 are as follows: (dollars in thousands) Year ended December 31, 2016 2015 2014 Proceeds from sales $ 44,829 22,945 69,147 Proceeds from calls 201,100 232,010 251,927 Gross realized gains 668 251 720 Gross realized losses - - 3
Amortized cost and fair value of the held to maturity securities	The amortized cost and fair value of the held to maturity securities are as follows: (dollars in thousands) December 31, 2016 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 35,500 1,736 - 37,236 Corporate bonds 9,990 300 - 10,290 Total held to maturity $ 45,490 2,036 - 47,526 (dollars in thousands) December 31, 2015 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 46,490 2,308 - 48,798 Corporate bonds 9,975 666 - 10,641 Total held to maturity $ 56,465 2,974 - 59,439
Securities held in available for sale and held to maturity greater than 10% of shareholders equity	The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2016 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Fair Federal Home Loan Mortgage Corporation $ 121,584 119,577 Federal National Mortgage Association 306,452 302,052 Government National Mortgage Association 44,842 46,012 Small Business Administration 81,026 78,499
Securities Available for Sale [Member]
Investment [Line Items]
Debt securities based on the securities contractual maturity	The following table distributes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 2016, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity are shown separately: (dollars in thousands) Amortized Fair Due in one year or less $ 5,008 4,998 Due in one year through five years 142,292 139,946 Due after five years through ten years 15,066 14,563 Due after ten years - - Mortgage backed securities and collateralized mortgage obligations - residential 378,068 372,308 Small Business Administration- guaranteed participation securities 81,026 78,499 Mortgage backed securities and collateralized mortgage obligations - commercial 10,130 10,011 $ 631,590 620,325
Gross unrealized losses on investment securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2016 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 102,266 2,621 - - 102,266 2,621 Mortgage backed securities and collateralized mortgage obligations - residential 359,622 5,766 4,713 117 364,335 5,883 Corporate bonds 40,705 251 - - 40,705 251 Small Business Administration- guaranteed participation securities 64,560 1,960 13,940 567 78,500 2,527 Mortgage backed securities and collateralized mortgage obligations - commercial 10,011 119 - - 10,011 119 Total $ 577,164 10,717 18,653 684 595,817 11,401 (dollars in thousands) December 31, 2015 Less than 12 months Total Fair Gross Fair Gross Fair Gross U.S. government sponsored enterprises $ 41,786 113 9,932 68 51,718 181 Mortgage backed securities and collateralized mortgage obligations - residential 187,605 2,147 167,549 3,179 355,153 5,326 Small Business Administration- guaranteed participation securities 7,529 111 82,888 2,093 90,417 2,204 Mortgage backed securities and collateralized mortgage obligations - commercial 5,553 130 4,627 112 10,180 242 Total $ 242,473 2,501 264,996 5,452 507,468 7,953
Held to Maturity Securities [Member]
Investment [Line Items]
Debt securities based on the securities contractual maturity	The following table distributes the debt securities included in the held to maturity portfolio as of December 31, 2016, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are shown separately. (dollars in thousands) Amortized Fair Due in one year or less $ 9,990 10,290 Mortgage backed securities and collateralized mortgage obligations - residential 35,500 37,236 $ 45,490 47,526

Loans and Allowance for Loan 30

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2016
Loans and Allowance for Loan Losses [Abstract]
Recorded investment in loans by loan class	The following tables present the recorded investment in loans by loan class: December 31, 2016 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 151,366 12,243 163,609 Other 27,539 46 27,585 Real estate mortgage - 1 to 4 family: First mortgages 2,158,904 665,183 2,824,087 Home equity loans 60,892 10,754 71,646 Home equity lines of credit 286,586 48,255 334,841 Installment 7,048 1,770 8,818 Total loans, net $ 2,692,335 738,251 3,430,586 Less: Allowance for loan losses 43,890 Net loans $ 3,386,696 December 31, 2015 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 160,965 14,908 175,873 Other 27,449 93 27,542 Real estate mortgage - 1 to 4 family: First mortgages 2,093,957 566,715 2,660,672 Home equity loans 52,251 8,250 60,501 Home equity lines of credit 308,165 51,160 359,325 Installment 8,000 1,391 9,391 Total loans, net $ 2,650,787 642,517 3,293,304 Less: Allowance for loan losses 44,762 Net loans $ 3,248,542 * Includes New York, New Jersey, Vermont, and Massachusetts.
Recorded investment in non-accrual loans by loan class	The following tables present the recorded investment in non-accrual loans by loan class: December 31, 2016 (dollars in thousands) New York and other states Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 1,843 - 1,843 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 17,727 1,659 19,386 Home equity loans 95 - 95 Home equity lines of credit 3,376 270 3,646 Installment 48 - 48 Total non-accrual loans 23,089 1,929 25,018 Restructured real estate mortgages - 1 to 4 family 42 - 42 Total nonperforming loans $ 23,131 1,929 25,060 December 31, 2015 (dollars in thousands) New York and other states Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 3,024 - 3,024 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 19,488 1,488 20,976 Home equity loans 212 - 212 Home equity lines of credit 3,573 329 3,902 Installment 90 8 98 Total non-accrual loans 26,387 1,825 28,212 Restructured real estate mortgages - 1 to 4 family 48 - 48 Total nonperforming loans $ 26,435 1,825 28,260
Aging of the recorded investment in past due loans by loan class and by region	The following tables present the aging of the recorded investment in past due loans by loan class and by region as of December 31, 2016 and 2015: New York and other states: December 31, 2016 (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 $ 50 43 1,706 1,799 149,567 151,366 Other - - - - 27,539 27,539 Real estate mortgage - 1 to 4 family: First mortgages 6,379 2,924 9,643 18,946 2,139,958 2,158,904 Home equity loans 50 3 74 127 60,765 60,892 Home equity lines of credit 685 111 1,839 2,635 283,951 286,586 Installment 34 32 15 81 6,967 7,048 Total $ 7,198 3,113 13,277 23,588 2,668,747 2,692,335 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 $ - - - - 12,243 12,243 Other - - - - 46 46 Real estate mortgage - 1 to 4 family: First mortgages 1,942 69 1,255 3,266 661,917 665,183 Home equity loans 19 - - 19 10,735 10,754 Home equity lines of credit - - 156 156 48,099 48,255 Installment 30 6 - 36 1,734 1,770 Total $ 1,991 75 1,411 3,477 734,774 738,251 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 $ 50 43 1,706 1,799 161,810 163,609 Other - - - - 27,585 27,585 Real estate mortgage - 1 to 4 family: First mortgages 8,321 2,993 10,898 22,212 2,801,875 2,824,087 Home equity loans 69 3 74 146 71,500 71,646 Home equity lines of credit 685 111 1,995 2,791 332,050 334,841 Installment 64 38 15 117 8,701 8,818 Total $ 9,189 3,188 14,688 27,065 3,403,521 3,430,586 New York and other states: December 31, 2015 (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 $ - - 2,340 2,340 158,625 160,965 Other - - - - 27,449 27,449 Real estate mortgage - 1 to 4 family: First mortgages 4,321 2,037 12,529 18,887 2,075,070 2,093,957 Home equity loans 43 - 149 192 52,059 52,251 Home equity lines of credit 572 204 1,418 2,194 305,971 308,165 Installment 34 19 88 141 7,859 8,000 Total $ 4,970 2,260 16,524 23,754 2,627,033 2,650,787 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 $ 10 - - 10 14,898 14,908 Other - - - - 93 93 Real estate mortgage - 1 to 4 family: First mortgages 665 271 851 1,787 564,928 566,715 Home equity loans - - - - 8,250 8,250 Home equity lines of credit 159 - 240 399 50,761 51,160 Installment 1 21 - 22 1,369 1,391 Total $ 835 292 1,091 2,218 640,299 642,517 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 $ 10 - 2,340 2,350 173,523 175,873 Other - - - - 27,542 27,542 Real estate mortgage - 1 to 4 family: First mortgages 4,986 2,308 13,380 20,674 2,639,998 2,660,672 Home equity loans 43 - 149 192 60,309 60,501 Home equity lines of credit 731 204 1,658 2,593 356,732 359,325 Installment 35 40 88 163 9,228 9,391 Total $ 5,805 2,552 17,615 25,972 3,267,332 3,293,304
Activity in the allowance for loan losses by portfolio segment	Activity in the allowance for loan losses by portfolio segment is summarized as follows: (dollars in thousands) For the year ended December 31, 2016 Commercial Real Estate Installment Total Balance at beginning of period $ 4,491 39,753 518 44,762 Loans charged off: New York and other states* 795 3,447 303 4,545 Florida - 126 39 165 Total loan chargeoffs 795 3,573 342 4,710 Recoveries of loans previously charged off: New York and other states* 207 613 64 884 Florida - 4 - 4 Total recoveries 207 617 64 888 Net loans charged off 588 2,956 278 3,822 Provision for loan losses 1,026 1,434 490 2,950 Balance at end of period $ 4,929 38,231 730 43,890 (dollars in thousands) For the year ended December 31, 2015 Commercial Real Estate Installment Total Balance at beginning of period $ 4,071 42,088 168 46,327 Loans charged off: New York and other states* 779 4,631 168 5,578 Florida - 320 17 337 Total loan chargeoffs 779 4,951 185 5,915 Recoveries of loans previously charged off: New York and other states* 20 572 46 638 Florida 7 5 - 12 Total recoveries 27 577 46 650 Net loans charged off 752 4,374 139 5,265 Provision for loan losses 1,172 2,039 489 3,700 Balance at end of period $ 4,491 39,753 518 44,762 (dollars in thousands) For the year ended December 31, 2014 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,019 43,597 98 47,714 Loans charged off: New York and other states* 397 5,485 201 6,083 Florida 613 835 13 1,461 Total loan chargeoffs 1,010 6,320 214 7,544 Recoveries of loans previously charged off: New York and other states* 34 442 28 504 Florida 480 69 4 553 Total recoveries 514 511 32 1,057 Net loans charged off 496 5,809 182 6,487 Provision for loan losses 548 4,300 252 5,100 Balance at end of period $ 4,071 42,088 168 46,327
Allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2016 and 2015: December 31, 2016 (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 4,929 38,231 730 43,890 Total ending allowance balance $ 4,929 38,231 730 43,890 Loans: Individually evaluated for impairment $ 2,418 21,607 - 24,025 Collectively evaluated for impairment 188,776 3,208,967 8,818 3,406,561 Total ending loans balance $ 191,194 3,230,574 8,818 3,430,586 December 31, 2015 (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 4,491 39,753 518 44,762 Total ending allowance balance $ 4,491 39,753 518 44,762 Loans: Individually evaluated for impairment $ 3,306 22,575 - 25,881 Collectively evaluated for impairment 200,109 3,057,923 9,391 3,267,423 Total ending loans balance $ 203,415 3,080,498 9,391 3,293,304
Impaired loans by loan class	The following tables present impaired loans by loan class as of December 31, 2016 and 2015: New York and other states: December 31, 2016 (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 2,418 3,470 - 2,214 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 16,675 17,439 - 15,665 Home equity loans 269 305 - 251 Home equity lines of credit 1,999 2,160 - 1,806 Total $ 21,361 23,374 - 19,936 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,009 2,100 - 1,800 Home equity loans 94 94 - 81 Home equity lines of credit 561 633 - 591 Total $ 2,664 2,827 - 2,472 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 2,418 3,470 - 2,214 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 18,684 19,539 - 17,465 Home equity loans 363 399 - 332 Home equity lines of credit 2,560 2,793 - 2,397 Total $ 24,025 26,201 - 22,408 New York and other states: December 31, 2015 (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 3,306 3,996 - 3,608 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 17,460 18,602 - 18,127 Home equity loans 359 417 - 382 Home equity lines of credit 2,306 2,569 - 2,238 Total $ 23,431 25,584 - 24,355 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,760 1,852 - 1,489 Home equity loans 53 53 - 54 Home equity lines of credit 637 720 - 654 Total $ 2,450 2,625 - 2,197 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 3,306 3,996 - 3,608 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 19,220 20,454 - 19,616 Home equity loans 412 470 - 436 Home equity lines of credit 2,943 3,289 - 2,892 Total $ 25,881 28,209 - 26,552
Modified loans by class that were determined to be TDR's	The following table presents modified loans by class that were determined to be TDRs that occurred during the years ended December 31, 2016, 2015 and 2014: Year ended 12/31/2016 Year ended 12/31/2015 Year ended 12/31/2014 New York and other states*: Pre-Modification Post-Modification Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Commercial: Commercial real estate 2 $ 401 401 - $ - - 1 $ 294 294 Real estate mortgage - 1 to 4 family: First mortgages 30 2,871 2,871 35 4,797 4,797 41 5,585 5,585 Home equity loans 1 44 44 1 137 137 4 77 77 Home equity lines of credit 10 402 402 7 506 506 3 194 194 Total 43 $ 3,718 3,718 43 $ 5,440 5,440 49 $ 6,150 6,150 Florida: Pre-Modification Post-Modification Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 4 504 504 6 780 780 7 676 676 Home equity loans 1 45 45 - - - 1 56 56 Home equity lines of credit 1 6 6 4 107 107 3 368 368 Total 6 $ 555 555 10 $ 887 887 11 $ 1,100 1,100
Loans by class modified as TDR's for which there was a payment default	The following table presents loans by class modified as TDRs that occurred during the years ended December 31, 2016, 2015 and 2014 for which there was a payment default within 12 months of modification: Year ended 12/31/2016 Year ended 12/31/2015 Year ended 12/31/2014 New York and other states*: (dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 3 291 2 148 7 355 Home equity lines of credit 1 141 2 24 1 35 Total 4 $ 432 4 $ 172 8 $ 390 Florida: Number of Contracts Recorded Investment Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages - $ - - $ - 1 $ 60 Home equity lines of credit - - - - 1 279 Total - $ - - $ - 2 $ 339
Risk category of loans by class of loans	As of December 31, 2016 and 2015, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2016 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 136,676 14,690 151,366 Other 25,442 2,097 27,539 $ 162,118 16,787 178,905 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 12,243 - 12,243 Other 46 - 46 $ 12,289 - 12,289 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 148,919 14,690 163,609 Other 25,488 2,097 27,585 $ 174,407 16,787 191,194 December 31, 2015 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,335 15,630 160,965 Other 26,715 734 27,449 $ 172,050 16,364 188,414 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 14,908 - 14,908 Other 93 - 93 $ 15,001 - 15,001 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 160,243 15,630 175,873 Other 26,808 734 27,542 $ 187,051 16,364 203,415

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Bank Premises and Equipment [Abstract]
Summary of premises and equipment	A summary of premises and equipment at December 31, 2016 and 2015 follows: (dollars in thousands) 2016 2015 Land $ 2,308 2,413 Buildings 33,617 33,050 Furniture, fixtures and equipment 49,503 48,819 Leasehold improvements 29,695 29,389 Total bank premises and equipment 115,123 113,670 Accumulated depreciation and amortization (79,657 ) (76,026 ) Total $ 35,466 37,643

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2016
Deposits [Abstract]
Interest expense on deposits	Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2016 2015 2014 Interest bearing checking accounts $ 473 448 365 Savings accounts 2,148 2,468 2,662 Time deposits and money market accounts 11,592 12,067 11,064 Total $ 14,213 14,983 14,091
Maturity of total time deposits	At December 31, 2016, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 1,039,185 1 to 2 years 65,984 2 to 3 years 49,823 3 to 4 years 3,015 4 to 5 years 1,256 Over 5 years 200 $ 1,159,463

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2016
Short-Term Borrowings [Abstract]
Short-term borrowings	Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2016 2015 2014 Amount outstanding at December 31, $ 209,406 191,226 189,116 Maximum amount outstanding at any month end 209,406 194,738 209,370 Average amount outstanding 185,672 184,725 189,430 Weighted average interest rate: For the year 0.59 % 0.66 0.74 As of year end 0.59 0.60 0.72

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Income Taxes [Abstract]
Summary of income tax expense/(benefit)	A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2016 2015 2014 Current tax expense: Federal $ 20,904 19,864 22,046 State 1,524 1,647 2,386 Total current tax expense 22,428 21,511 24,432 Deferred tax expense 3,261 3,011 2,964 Total income tax expense $ 25,689 24,522 27,396
Tax effects of temporary differences	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2016 and 2015, are as follows: December 31, (dollars in thousands) 2016 2015 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (5,474 ) $ (4,992 ) Difference in reporting the allowance for loan losses, net 18,117 18,576 Other income or expense not yet reported for tax purposes 129 2,607 Depreciable assets (638 ) (796 ) Net deferred tax asset at end of year 12,134 15,395 Net deferred tax asset at beginning of year 15,395 18,406 Deferred tax expense $ 3,261 $ 3,011
Effective income tax rate	The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the years ended December 31, 2016 2015 2014 Statutory federal income tax rate 35.0 % 35.0 35.0 Increase/(decrease) in taxes resulting from: Tax exempt income (0.1 ) (0.1 ) (0.1 ) State income tax (including alternative minimum tax), net of federal tax benefit 1.8 1.8 2.7 Other items 0.9 - 0.7 Effective income tax rate 37.6 % 36.7 38.3
Reconciliation of unrecognized tax benefits	For the years ended December 31, 2016 and 2015 the unrecognized tax benefits and change in those unrecognized tax benefits from the beginning of the year are as follows: (dollars in thousands) Balance as of January 1, 2015 $ 213 Change in unrecognized tax reserve - Balance as of December 31, 2015 $ 213 Decrease due to lapse in statute of limitations (213 ) Balance as of December 31, 2016 $ -

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2016
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in component of other comprehensive income related to retirement plan and post-retirement benefit plan	The following table details the change in the components of other comprehensive (loss) income related to the retirement plan and the postretirement benefit plan, at December 31, 2016 and 2015, respectively: (dollars in thousands) December 31, 2016 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (367 ) (966 ) (1,333 ) Amortization of net actuarial (loss) gain (184 ) 274 90 Amortization of prior service cost - (90 ) (90 ) Total $ (551 ) (782 ) (1,333 ) December 31, 2015 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (109 ) (602 ) (711 ) Amortization of net actuarial gain (loss) (210 ) 140 (70 ) Amortization of prior service credit - (90 ) (90 ) Total $ (319 ) (552 ) (871 )
Asset allocation of pension and postretirement benefit plans	The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2016 2015 2016 2015 Debt Securities 31 % 32 33 25 Equity Securities 64 60 62 60 Other 5 8 6 15 Total 100 % 100 100 100
Fair value of plan assets by type of financial instrument and level hierarchy	The fair value of the plan assets at December 31, 2016 and 2015, by asset category, is as follows: Retirement Plan Fair Value Measurements at December 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 2,027 2,027 - - Equity mutual funds 27,706 27,706 - - U.S. government sponsored enterprises 4,233 - 4,233 - Corporate bonds 8,535 - 8,535 - Fixed income mutual funds 599 599 - - Total Plan Assets $ 43,100 30,332 12,768 - Postretirement Benefits Fair Value Measurements at December 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 1,172 1,172 - - Equity mutual funds 12,540 12,540 - - U.S. government sponsored enterprises 2,049 - 2,049 - Corporate bonds 3,127 - 3,127 - State and political subdivisions 1,450 - 1,450 - Total Plan Assets $ 20,338 13,712 6,626 - Retirement Plan Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 3,182 3,182 - - Equity mutual funds 25,352 25,352 - - U.S. government sponsored enterprises 5,779 - 5,779 - Corporate bonds 6,771 - 6,771 - Fixed income mutual funds 593 593 - - Total Plan Assets $ 41,677 29,127 12,550 - Postretirement Benefits Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Plan Assets Cash and cash equivalents $ 2,832 2,832 - - Equity mutual funds 11,513 11,513 - - U.S. government sponsored enterprises 1,843 - 1,843 - Corporate bonds 1,074 - 1,074 - State and political subdivisions 1,976 - 1,976 - Total Plan Assets $ 19,238 14,345 4,893 -
Summary of the status of stock option plans	A summary of the status of TrustCo’s stock option awards as of December 31, 2016 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2016 2,324,971 $ 7.34 New options awarded - 2016 - - Expired options - 2016 - - Options forfeited-2016 - - Exercised options - 2016 (240,930 ) 5.32 Balance, December 31, 2016 2,084,041 $ 7.57 4.0 years Exercisable Options Balance, December 31, 2016 1,674,741 $ 7.80 3.1 years
Assumptions used to determine the fair value of options granted	The assumptions used to determine the fair value of options granted during 2015 and 2014 are detailed in the table below: 2015 2014 Employees' Plan Employees' Plan Expected dividend yield 4.09 % 3.64 % Risk-free interest rate 1.74 1.74 Expected volatility rate 26.20 21.62 Expected lives 5.0 years 5.0 years
Restricted share units	Restricted share units Outstanding Units Balance, December 31, 2015 185,200 New awards granted 81,200 Forfeited awards (1,600 ) Awards settled (49,750 ) Balance, December 31, 2016 215,050
Performance share units	Performance share units Outstanding Units Balance, December 31, 2015 313,700 New awards granted 108,300 Awards settled (65,000 ) Balance, December 31, 2016 357,000
Retirement Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in projected/accumulated benefit obligation	The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2016 and 2015: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2016 2015 Projected benefit obligation at beginning of year $ 30,889 33,662 Service cost 61 60 Interest cost 1,371 1,329 Benefit payments and expected expenses (1,782 ) (1,676 ) Net actuarial loss (gain) 191 (2,486 ) Projected benefit obligation at end of year $ 30,730 30,889
Change in plan assets and reconciliation of funded status	Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2016 2015 Fair Value of plan assets at beginning of year $ 41,677 42,993 Actual gain on plan assets 3,187 360 Company contributions - - Benefit payments and actual expenses (1,764 ) (1,676 ) Fair value of plan assets at end of year 43,100 41,677 Funded status at end of year $ 12,370 10,788
Amounts recognized in accumulated other comprehensive income	Amounts recognized in accumulated other comprehensive loss consist of the following as of: December 31, 2016 2015 Net actuarial loss $ 5,279 5,830
Components of net periodic pension income and other amounts recognized in other comprehensive income	Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive (Loss) Income: (dollars in thousands) For the years ended December 31, 2016 2015 2014 Service cost $ 61 60 58 Interest cost 1,371 1,329 1,374 Expected return on plan assets (2,648 ) (2,735 ) (2,504 ) Amortization of net loss 184 210 - Net periodic pension credit (1,032 ) (1,136 ) (1,072 ) Amortization of net loss (184 ) (210 ) - Net actuarial (gain) / loss included in other comprehensive (loss) income (367 ) (109 ) 5,337 Total recognized in other comprehensive loss (551 ) (319 ) 5,337 Total recognized in net periodic benefit (credit) cost and other comprehensive (loss) income $ (1,583 ) (1,455 ) 4,265
Estimated future benefit payments	The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2017 $ 1,776 2018 1,802 2019 1,828 2020 1,862 2021 1,912 2022 - 2026 9,442
Assumptions used to determine benefit obligation and net periodic expense	The assumptions used to determine benefit obligations at December 31 are as follows: 2016 2015 2014 Discount rate 4.41 % 4.55 4.03 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2016 2015 2014 Discount rate 4.55 % 4.03 5.08 Expected long-term rate of return on assets 6.50 6.50 6.50
Post-Retirement Benefits Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in projected/accumulated benefit obligation	The following tables show the plan’s funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2016 and 2015: Change in Accumulated Benefit Obligation: December 31, (dollars in thousands) 2016 2015 Accumulated benefit obligation at beginning of year $ 5,434 6,455 Service cost 116 165 Interest cost 221 268 Plan amendments - - Benefits paid (70 ) (85 ) Net actuarial gain (581 ) (1,369 ) Accumulated benefit obligation at end of year $ 5,120 5,434
Change in plan assets and reconciliation of funded status	Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2016 2015 Fair value of plan assets at beginning of year $ 19,238 19,285 Actual gain on plan assets 1,104 (47 ) Company contributions 66 85 Benefits paid (70 ) (85 ) Fair value of plan assets at end of year 20,338 19,238 Funded status at end of year $ 15,218 13,804
Amounts recognized in accumulated other comprehensive income	December 31, Amounts recognized in accumulated other comprehensive loss consist of the following as of: 2016 2015 Net actuarial gain $ (4,581 ) (3,890 ) Prior service credit (1,547 ) (1,457 ) Total $ (6,128 ) (5,347 )
Components of net periodic pension income and other amounts recognized in other comprehensive income	Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive (Loss) Income: For the years ended December 31, (dollars in thousands) 2016 2015 2014 Service cost $ 116 $ 165 100 Interest cost 221 268 217 Expected return on plan assets (720 ) (722 ) (672 ) Amortization of net actuarial gain (274 ) (140 ) (297 ) Amortization of prior service cost 90 90 199 Net periodic benefit credit (567 ) (339 ) (453 ) Net (gain) loss (966 ) (602 ) 1,219 Prior service cost - - 1,811 Amortization of prior service cost (90 ) (90 ) (199 ) Amortization of net gain 274 140 297 Total amount recognized in other comprehensive (loss) income (782 ) (552 ) 3,128 Total amount recognized in net periodic benefit cost and other comprehensive (loss) income $ (1,349 ) $ (891 ) 2,675
Estimated future benefit payments	The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2017 $ 87 2018 98 2019 112 2020 117 2021 146 2022 - 2026 965
Assumptions used to determine benefit obligation and net periodic expense	The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2016 2015 2014 Discount rate 4.41 % 4.55 4.03 The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2016 2015 2013 Discount rate 4.55 % 4.03 5.08 Expected long-term rate of return on assets, net of tax 3.75 3.75 3.75

Commitments and Contingent Li36

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2016
Commitments and Contingent Liabilities [Abstract]
Operating leases with minimum rental commitments	The Bank leases certain banking premises. These leases are accounted for as operating leases with minimum rental commitments in the amounts presented below. The majority of these leases contain options to renew. (dollars in thousands) 2017 $ 7,134 2018 6,953 2019 6,848 2020 6,601 2021 6,372 2022 and after 35,758 $ 69,666

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2016
Earnings Per Share [Abstract]
Reconciliation of the component parts of earnings per share	A reconciliation of the component parts of earnings per share for 2016, 2015 and 2014 follows: (dollars in thousands, except per share data) 2016 2015 2014 For the years ended December 31: Net income $ 42,601 42,238 44,193 Less: Net income allocated to participating securities - - 43 Net income allocated to common shareholders $ 42,601 42,238 44,150 Weighted average common shares outstanding including participating securities 95,548 95,103 94,721 Less: Participating securities - - 93 Weighted average common shares 95,548 95,103 94,628 Effect of Dilutive Securities: Stock Options 100 110 125 Weighted average common shares including potential dilutive shares 95,648 95,213 94,753 Basic EPS $ 0.446 0.444 0.467 Diluted EPS $ 0.445 0.444 0.466

Fair Value of Financial Instr38

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value of Financial Instruments [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2016 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 117,266 - $ 117,266 - State and political subdivisions 886 - 886 - Mortgage backed securities and collateralized mortgage obligations - residential 372,308 - 372,308 - Corporate bonds 40,705 - 40,705 - Small Business Administration- guaranteed participation securities 78,499 - 78,499 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,011 - 10,011 - Other 685 35 650 - Total securities available for sale $ 620,360 $ 35 $ 620,325 $ - Fair Value Measurements at December 31, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 86,737 $ - $ 86,737 $ - State and political subdivisions 1,290 - 1,290 - Mortgage backed securities and collateralized mortgage obligations - residential 411,729 - 411,729 - Small Business Administration- guaranteed participation securities 90,416 - 90,416 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,180 - 10,180 - Other 685 35 650 - Total securities available for sale $ 601,037 $ 35 $ 601,002 $ -
Assets measured at fair value on a non-recurring basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2016 Using: 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) (dollars in thousands) Other real estate owned $ 4,268 $ - $ - $ 4,268 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (7 %) Impaired loans: Commercial real estate 1,250 - - 1,250 Sales comparison approach Adjustments for differences between comparable sales 7% - 35% (23 %) Real estate mortgage - 1 to 4 family 458 - - 458 Sales comparison approach Adjustments for differences between comparable sales 5% - 14% (10 %) Fair Value Measurements at December 31, 2015 Using: 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) (dollars in thousands) Other real estate owned $ 6,455 $ - $ - $ 6,455 Sales comparison approach Adjustments for differences between comparable sales 1% - 10% (4 %) Impaired loans: Commercial real estate 878 - - 878 Sales comparison approach Adjustments for differences between comparable sales 3% - 22% (11 %) Real estate mortgage - 1 to 4 family 3,109 - - 3,109 Sales comparison approach Adjustments for differences between comparable sales 0% - 9% (4 %)
Carrying amounts and estimated fair values of financial instruments	In accordance with ASC 825, the carrying amounts and estimated fair values of financial instruments at December 31, 2016 and 2015 are as follows: (dollars in thousands) Fair Value Measurements at Carrying December 31, 2016 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 707,274 707,274 - - 707,274 Securities available for sale 620,360 35 620,325 - 620,360 Held to maturity securities 45,490 - 47,526 - 47,526 Federal Reserve Bank and Federal Home Loan Bank stock 9,579 N/A N/A N/A N/A Net loans 3,386,696 - - 3,370,976 3,370,976 Accrued interest receivable 11,070 145 2,654 8,271 11,070 Financial liabilities: Demand deposits 377,755 377,755 - - 377,755 Interest bearing deposits 3,818,408 2,658,945 1,156,025 - 3,814,970 Short-term borrowings 209,406 - 209,406 - 209,406 Accrued interest payable 526 82 444 - 526 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2015 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 718,156 718,156 - - 718,156 Securities available for sale 601,037 35 601,002 - 601,037 Held to maturity securities 56,465 - 59,439 - 59,439 Federal Reserve Bank and Federal Home Loan Bank stock 9,480 N/A N/A N/A N/A Net loans 3,248,542 - - 3,279,167 3,279,167 Accrued interest receivable 10,262 80 2,370 7,812 10,262 Financial liabilities: Demand deposits 365,081 365,081 - - 365,081 Interest bearing deposits 3,735,297 2,627,367 1,111,240 - 3,738,607 Short-term borrowings 191,226 - 191,226 - 191,226 Accrued interest payable 501 74 427 - 501

Regulatory Capital Requiremen39

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2016
Regulatory Capital Requirements [Abstract]
Summary of actual capital amounts and ratios	The following is a summary of actual capital amounts and ratios as of December 31, 2016 and 2015, for Trustco Bank: (dollars in thousands) As of December 31, 2016 Well Adequately Amount Ratio Capitalized(1) Capitalized(1)(2) Tier 1 leverage ratio $ 424,802 8.829 % 5.000 % 4.000 % Common equity Tier 1 capital 424,802 17.238 6.500 5.125 Tier 1 risk-based capital 424,802 17.238 8.000 6.625 Total risk-based capital 455,772 18.492 10.000 8.625 (dollars in thousands) As of December 31, 2015 Well Adequately Amount Ratio Capitalized(1) Capitalized(1) Tier 1 leverage ratio $ 405,506 8.600 % 5.000 % 4.000 % Common equity Tier 1 capital 405,506 17.210 6.500 4.500 Tier 1 risk-based capital 405,506 17.210 8.000 6.000 Total risk-based capital 435,149 18.470 10.000 8.000 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The December 31, 2016 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a transition capital conservation buffer of 0.625 percent The following is a summary of actual capital amounts and ratios as of December 31, 2016 and 2015 for TrustCo on a consolidated basis. (dollars in thousands) As of December 31, 2016 Minimum for Capital Adequacy plus Capital Conservation Amount Ratio Buffer Tier 1 leverage ratio $ 438,426 9.110 % 4.000 % Common equity Tier 1 capital 438,426 17.782 5.125 Tier 1 risk-based capital 438,426 17.782 6.625 Total risk-based capital 469,411 19.038 8.625 (dollars in thousands) As of December 31, 2015 Minimum for Amount Ratio Capital Adequacy Tier 1 leverage ratio $ 417,538 8.850 % 4.000 % Common equity Tier 1 capital 417,538 17.710 4.500 Tier 1 risk-based capital 417,538 17.710 6.000 Total risk-based capital 447,193 18.970 8.000

Accumulated Other Comprehensi40

Accumulated Other Comprehensive Loss (Tables)	12 Months Ended
	Dec. 31, 2016
Accumulated Other Comprehensive Loss [Abstract]
Accumulated other comprehensive income (loss), net of tax	The following is a summary of the accumulated other comprehensive loss balances, net of tax: For the year ended 12/31/16 Other Amount Other (dollars in thousands) comprehensive reclassified comprehensive Balance at 12/31/2015 (loss) income - before reclassifications from accumulated other comprehensive loss (loss) income - year ended 12/31/2016 Balance at 12/31/2016 Net unrealized holding loss on securities available for sale, net of tax $ (4,492 ) (1,869 ) (401 ) (2,270 ) (6,762 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax (758 ) 800 - 800 42 Net change in net actuarial loss and prior service cost on pension and postretirement benefit plans, net of tax 469 - - - 469 Accumulated other comprehensive loss, net of tax (4,781 ) (1,069 ) (401 ) (1,470 ) (6,251 ) For the year ended 12/31/15 Other Amount Other (dollars in thousands) comprehensive reclassified comprehensive (loss) income - from accumulated (loss) income - Balance at before other comprehensive year Balance at 12/31/2014 reclassifications loss ended 12/31/2015 12/31/2015 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (3,693 ) (648 ) (151 ) (799 ) (4,492 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax (1,188 ) 430 - 430 (758 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 372 - 97 97 469 Accumulated other comprehensive loss, net of tax (4,509 ) (218 ) (54 ) (272 ) (4,781 ) For the year ended 12/31/14 Other Amount Other (dollars in thousands) comprehensive reclassified comprehensive Balance at 12/31/2013 income (loss)- before reclassifications from accumulated other comprehensive loss Income (loss)- year ended 12/31/2014 Balance at 12/31/2014 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (18,078 ) 14,815 (430 ) 14,385 (3,693 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 3,843 (5,031 ) - (5,031 ) (1,188 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 432 - (60 ) (60 ) 372 Accumulated other comprehensive loss, net of tax $ (13,803 ) 9,784 (490 ) 9,294 (4,509 )
Reclassifications out of accumulated other comprehensive income	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2016, 2015 and 2014: Years Ended (dollars in thousands) December 31, Affected Line Item 2016 2015 2014 in Financial Statements Unrealized gains on securities available for sale Realized gain on securities transactions $ 668 251 717 Net gain on securities transactions Income tax expense (267 ) (100 ) (287 ) Income taxes Net of tax 401 151 430 Amortization of pension and postretirement benefit items Amortization of net actuarial gain (loss) 90 (70 ) 297 Salaries and employee benefits Amortization of prior service cost (90 ) (90 ) (199 ) Salaries and employee benefits Income tax benefit - 63 (38 ) Income taxes Net of tax - (97 ) 60 Total reclassifications, net of tax $ 401 54 490

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2016
Parent Company Only [Abstract]
Statements of Comprehensive Income	The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Comprehensive Income (dollars in thousands) Years Ended December 31, Income: 2016 2015 2014 Dividends and interest from subsidiaries $ 24,498 24,501 24,499 Miscellaneous income - - 18 Total income 24,498 24,501 24,517 Expense: Operating supplies 21 33 50 Professional services 461 577 557 Miscellaneous expense 1,258 664 1,350 Total expense 1,740 1,274 1,957 Income before income taxes and subsidiaries' undistributed earnings 22,758 23,227 22,560 Income tax benefit (578 ) (405 ) (663 ) Income before subsidiaries' undistributed earnings 23,336 23,632 23,223 Equity in undistributed earnings of subsidiaries 19,265 18,606 20,970 Net income $ 42,601 42,238 44,193 Change in other comprehensive (loss) income (1,470 ) (272 ) 9,294 Comprehensive income $ 41,131 41,966 53,487
Statements of Condition	The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Condition (dollars in thousands) December 31, Assets: 2016 2015 Cash in subsidiary bank $ 19,886 18,463 Investments in subsidiaries 419,075 401,289 Securities available for sale 35 35 Other assets 824 967 Total assets 439,820 420,754 Liabilities and shareholders' equity: Accrued expenses and other liabilities 7,134 7,444 Total liabilities 7,134 7,444 Shareholders' equity 432,686 413,310 Total liabilities and shareholders' equity $ 439,820 420,754
Statements of Cash Flows	The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Cash Flows (dollars in thousands) Years Ended December 31, 2016 2015 2014 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 42,601 42,238 44,193 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (19,265 ) (18,606 ) (20,970 ) Stock based compensation expense 224 204 325 Net change in other assets and accrued expenses (196 ) (140 ) 388 Total adjustments (19,237 ) (18,542 ) (20,257 ) Net cash provided by operating activities 23,364 23,696 23,936 Cash flows from investing activities: Purchases of securities available for sale - - (25 ) Net cash used in investing activities - - (25 ) Cash flows from financing activities: Proceeds from exercise of stock options 1,368 147 131 Dividends paid (25,055 ) (24,937 ) (24,839 ) Payments to acquire treasury stock (701 ) (147 ) (282 ) Proceeds from sales of treasury stock 2,447 2,670 2,850 Net cash used in financing activities (21,941 ) (22,267 ) (22,140 ) Net increase in cash and cash equivalents 1,423 1,429 1,771 Cash and cash equivalents at beginning of year 18,463 17,034 15,263 Cash and cash equivalents at end of year $ 19,886 18,463 17,034

Basis of Presentation (Details)

Basis of Presentation (Details) $ in Millions	12 Months Ended
	Dec. 31, 2016USD ($)PaymentSegment	Dec. 31, 2015USD ($)
Basis of Presentation [Abstract]
Number of past due payments on loans classified as nonperforming | Payment	3
Non-payment period of loans moved to non-accrual status	90 days
Loan-to-value ratio applicable to additional allowance	90.00%
Other real estate owned	$ 4.3	$ 6.4
Statutory amount available for dividend payments with regulatory approval	$ 57.8
Age at which company provides access to Medicare Supplemental program for retirees	65 years
Number of reportable segment | Segment	1
Building [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	20 years
Building [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	40 years
Furniture and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Furniture and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	7 years

Balances at Other Banks (Detail

Balances at Other Banks (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Balances at Other Banks [Abstract]
Balances at other banks	$ 32.3	$ 99.1

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	$ 631,590	$ 608,486
Gross Unrealized Gains	136	469
Gross Unrealized Losses	11,401	7,953
Fair Value	620,325	601,002
Amortized cost and fair value of the equity securities available for sale [Abstract]
Amortized Cost	35	35
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	35	35
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	631,625	608,521
Gross Unrealized Gains	136	469
Gross Unrealized Losses	11,401	7,953
Fair Value	620,360	601,037
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	119,887	86,899
Gross Unrealized Gains	0	19
Gross Unrealized Losses	2,621	181
Fair Value	117,266	86,737
State and Political Subdivisions [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	873	1,270
Gross Unrealized Gains	13	20
Gross Unrealized Losses	0	0
Fair Value	886	1,290
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	378,068	416,625
Gross Unrealized Gains	123	430
Gross Unrealized Losses	5,883	5,326
Fair Value	372,308	411,729
Corporate Bonds [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	40,956
Gross Unrealized Gains	0
Gross Unrealized Losses	251
Fair Value	40,705
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	81,026	92,620
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,527	2,204
Fair Value	78,499	90,416
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Commercial [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	10,130	10,422
Gross Unrealized Gains	0	0
Gross Unrealized Losses	119	242
Fair Value	10,011	10,180
Other [Member]
Amortized cost and fair value of the debt securities available for sale [Abstract]
Amortized Cost	650	650
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 650	$ 650

Investment Securities, Availa45

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Amortized Cost [Abstract]
Due in one year or less	$ 5,008
Due in one year through five years	142,292
Due after five years through ten years	15,066
Due after ten years	0
Amortized Cost	631,590	$ 608,486
Fair Value [Abstract]
Due in one year or less	4,998
Due in one year through five years	139,946
Due after five years through ten years	14,563
Due after ten years	0
Fair Value	620,325	601,002
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	378,068
Amortized Cost	378,068	416,625
Fair Value [Abstract]
Securities, fair value	372,308
Fair Value	372,308	411,729
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	81,026
Amortized Cost	81,026	92,620
Fair Value [Abstract]
Securities, fair value	78,499
Fair Value	78,499	90,416
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Commercial [Member]
Amortized Cost [Abstract]
Securities, amortized cost	10,130
Amortized Cost	10,130	10,422
Fair Value [Abstract]
Securities, fair value	10,011
Fair Value	$ 10,011	$ 10,180

Investment Securities, Availa46

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 577,164	$ 242,473
12 months or more - Fair Value	18,653	264,996
Total - Fair Value	595,817	507,468
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	10,717	2,501
12 months or more - Gross Unrealized Loss	684	5,452
Total - Gross Unrealized Loss	11,401	7,953
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	102,266	41,786
12 months or more - Fair Value	0	9,932
Total - Fair Value	102,266	51,718
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2,621	113
12 months or more - Gross Unrealized Loss	0	68
Total - Gross Unrealized Loss	2,621	181
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	359,622	187,605
12 months or more - Fair Value	4,713	167,549
Total - Fair Value	364,335	355,153
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	5,766	2,147
12 months or more - Gross Unrealized Loss	117	3,179
Total - Gross Unrealized Loss	5,883	5,326
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	40,705
12 months or more - Fair Value	0
Total - Fair Value	40,705
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	251
12 months or more - Gross Unrealized Loss	0
Total - Gross Unrealized Loss	251
Small Business Administration-Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	64,560	7,529
12 months or more - Fair Value	13,940	82,888
Total - Fair Value	78,500	90,417
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,960	111
12 months or more - Gross Unrealized Loss	567	2,093
Total - Gross Unrealized Loss	2,527	2,204
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Commercial [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	10,011	5,553
12 months or more - Fair Value	0	4,627
Total - Fair Value	10,011	10,180
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	119	130
12 months or more - Gross Unrealized Loss	0	112
Total - Gross Unrealized Loss	$ 119	$ 242

Investment Securities, Availa47

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 44,829	$ 22,945	$ 69,147
Proceeds from calls	201,100	232,010	251,927
Gross realized gains	668	251	720
Gross realized losses	0	0	3
Tax expense recognized on net gains on sales of securities available for sale	267	100	$ 287
Securities available for sale pledged to secure short-term borrowings and for other purposes	$ 264,800	$ 277,100

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 45,490	$ 56,465
Gross Unrecognized Gains	2,036	2,974
Gross Unrecognized Losses	0	0
Fair Value	47,526	59,439
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	35,500	46,490
Gross Unrecognized Gains	1,736	2,308
Gross Unrecognized Losses	0	0
Fair Value	37,236	48,798
Corporate Bonds [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	9,990	9,975
Gross Unrecognized Gains	300	666
Gross Unrecognized Losses	0	0
Fair Value	$ 10,290	$ 10,641

Investment Securities, Held-t49

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Investment Securities [Abstract]
Sales and transfers of held to maturity securities	$ 0	$ 0
Amortized Cost [Abstract]
Due in one year or less	9,990
Amortized Cost	45,490	56,465
Fair Value [Abstract]
Due in one year or less	10,290
Fair Value	47,526	59,439
Mortgage-Backed Securities and Collateralized Mortgage Obligations-Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	35,500
Amortized Cost	35,500	46,490
Fair Value [Abstract]
Securities, fair value	37,236
Fair Value	$ 37,236	$ 48,798

Investment Securities, Concentr

Investment Securities, Concentrations (Details) $ in Thousands	Dec. 31, 2016USD ($)
Federal Home Loan Mortgage Corporation [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized Cost	$ 121,584
Fair Value	119,577
Federal National Mortgage Association [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized Cost	306,452
Fair Value	302,052
Government National Mortgage Association [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized Cost	44,842
Fair Value	46,012
Small Business Administration [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized Cost	81,026
Fair Value	$ 78,499

Loans and Allowance for Loan 51

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		$ 3,430,586	$ 3,293,304
Less: Allowance for loan losses		43,890	44,762	$ 46,327	$ 47,714
Net loans		3,386,696	3,248,542
Due from officers		7,700	7,600
New loans		2,100
Repayments of loans		1,400
Reduction in outstanding loans		567
Real Estate Construction Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		24,800	26,600
Residential Borrowers [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		16,300	16,000
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		8,500	10,600
Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		191,194	203,415
Less: Allowance for loan losses		4,929	4,491	4,071	4,019
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		163,609	175,873
Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		27,585	27,542
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		3,230,574	3,080,498
Less: Allowance for loan losses		38,231	39,753	42,088	43,597
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		2,824,087	2,660,672
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		71,646	60,501
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		334,841	359,325
Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		8,818	9,391
Less: Allowance for loan losses		730	518	$ 168	$ 98
New York and Other States [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	2,692,335	2,650,787
New York and Other States [Member] | Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		178,905	188,414
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	151,366	160,965
New York and Other States [Member] | Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	27,539	27,449
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	2,158,904	2,093,957
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	60,892	52,251
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	286,586	308,165
New York and Other States [Member] | Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	7,048	8,000
Florida [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		738,251	642,517
Florida [Member] | Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		12,289	15,001
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		12,243	14,908
Florida [Member] | Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		46	93
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		665,183	566,715
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		10,754	8,250
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		48,255	51,160
Florida [Member] | Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		$ 1,770	$ 1,391
[1]	Includes New York, New Jersey, Vermont, and Massachusetts.

Loans and Allowance for Loan 52

Loans and Allowance for Loan Losses, Non-accrual Loans, by Loan Class (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Non accrual loans by loan class [Abstract]
Total non-accrual loans	$ 25,018	$ 28,212
Restructured real estate mortgages - 1 to 4 family	42	48
Total nonperforming loans	25,060	28,260
Other real estate owned	3,500	5,400
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure	12,500	13,200
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	1,843	3,024
Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	19,386	20,976
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	95	212
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3,646	3,902
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	48	98
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	23,089	26,387
Restructured real estate mortgages - 1 to 4 family	42	48
Total nonperforming loans	23,131	26,435
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	1,843	3,024
New York and Other States [Member] | Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	17,727	19,488
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	95	212
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3,376	3,573
New York and Other States [Member] | Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	48	90
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	1,929	1,825
Restructured real estate mortgages - 1 to 4 family	0	0
Total nonperforming loans	1,929	1,825
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Florida [Member] | Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	1,659	1,488
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	270	329
Florida [Member] | Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	$ 0	$ 8

Loans and Allowance for Loan 53

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 27,065	$ 25,972
Current		3,403,521	3,267,332
Total loans		3,430,586	3,293,304
Loans that are 90 days past due and still accruing interest		$ 0	$ 0
Number of days past due		90 days	90 days
30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 9,189	$ 5,805
60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,188	2,552
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		14,688	17,615
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		191,194	203,415
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,799	2,350
Current		161,810	173,523
Total loans		163,609	175,873
Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		50	10
Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		43	0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,706	2,340
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		27,585	27,542
Total loans		27,585	27,542
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		3,230,574	3,080,498
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		22,212	20,674
Current		2,801,875	2,639,998
Total loans		2,824,087	2,660,672
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		8,321	4,986
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,993	2,308
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		10,898	13,380
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		146	192
Current		71,500	60,309
Total loans		71,646	60,501
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		69	43
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		74	149
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,791	2,593
Current		332,050	356,732
Total loans		334,841	359,325
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		685	731
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		111	204
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,995	1,658
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		117	163
Current		8,701	9,228
Total loans		8,818	9,391
Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		64	35
Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		38	40
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		15	88
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		23,588	23,754
Current		2,668,747	2,627,033
Total loans	[1]	2,692,335	2,650,787
New York and Other States [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		7,198	4,970
New York and Other States [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,113	2,260
New York and Other States [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		13,277	16,524
New York and Other States [Member] | Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		178,905	188,414
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,799	2,340
Current		149,567	158,625
Total loans	[1]	151,366	160,965
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		50	0
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		43	0
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,706	2,340
New York and Other States [Member] | Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		27,539	27,449
Total loans	[1]	27,539	27,449
New York and Other States [Member] | Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
New York and Other States [Member] | Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
New York and Other States [Member] | Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		18,946	18,887
Current		2,139,958	2,075,070
Total loans	[1]	2,158,904	2,093,957
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		6,379	4,321
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,924	2,037
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		9,643	12,529
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		127	192
Current		60,765	52,059
Total loans	[1]	60,892	52,251
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		50	43
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		74	149
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,635	2,194
Current		283,951	305,971
Total loans	[1]	286,586	308,165
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		685	572
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		111	204
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,839	1,418
New York and Other States [Member] | Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		81	141
Current		6,967	7,859
Total loans	[1]	7,048	8,000
New York and Other States [Member] | Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		34	34
New York and Other States [Member] | Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		32	19
New York and Other States [Member] | Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		15	88
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,477	2,218
Current		734,774	640,299
Total loans		738,251	642,517
Florida [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,991	835
Florida [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		75	292
Florida [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,411	1,091
Florida [Member] | Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		12,289	15,001
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	10
Current		12,243	14,898
Total loans		12,243	14,908
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	10
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		46	93
Total loans		46	93
Florida [Member] | Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,266	1,787
Current		661,917	564,928
Total loans		665,183	566,715
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,942	665
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		69	271
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,255	851
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		19	0
Current		10,735	8,250
Total loans		10,754	8,250
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		19	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		156	399
Current		48,099	50,761
Total loans		48,255	51,160
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	159
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		156	240
Florida [Member] | Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		36	22
Current		1,734	1,369
Total loans		1,770	1,391
Florida [Member] | Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		30	1
Florida [Member] | Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		6	21
Florida [Member] | Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont, and Massachusetts.

Loans and Allowance for Loan 54

Loans and Allowance for Loan Losses, Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	$ 44,762	$ 46,327	$ 47,714
Loans charged off [Abstract]
Total loan charge offs	4,710	5,915	7,544
Recoveries of loans previously charged off [Abstract]
Total recoveries	888	650	1,057
Net loans charged off	3,822	5,265	6,487
Provision for loan losses	2,950	3,700	5,100
Balance at end of period	43,890	44,762	46,327
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	4,491	4,071	4,019
Loans charged off [Abstract]
Total loan charge offs	795	779	1,010
Recoveries of loans previously charged off [Abstract]
Total recoveries	207	27	514
Net loans charged off	588	752	496
Provision for loan losses	1,026	1,172	548
Balance at end of period	4,929	4,491	4,071
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	39,753	42,088	43,597
Loans charged off [Abstract]
Total loan charge offs	3,573	4,951	6,320
Recoveries of loans previously charged off [Abstract]
Total recoveries	617	577	511
Net loans charged off	2,956	4,374	5,809
Provision for loan losses	1,434	2,039	4,300
Balance at end of period	38,231	39,753	42,088
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	518	168	98
Loans charged off [Abstract]
Total loan charge offs	342	185	214
Recoveries of loans previously charged off [Abstract]
Total recoveries	64	46	32
Net loans charged off	278	139	182
Provision for loan losses	490	489	252
Balance at end of period	730	518	168
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	4,545	5,578	6,083
Recoveries of loans previously charged off [Abstract]
Total recoveries	884	638	504
New York and Other States [Member] | Commercial [Member]
Loans charged off [Abstract]
Total loan charge offs	795	779	397
Recoveries of loans previously charged off [Abstract]
Total recoveries	207	20	34
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Loans charged off [Abstract]
Total loan charge offs	3,447	4,631	5,485
Recoveries of loans previously charged off [Abstract]
Total recoveries	613	572	442
New York and Other States [Member] | Installment [Member]
Loans charged off [Abstract]
Total loan charge offs	303	168	201
Recoveries of loans previously charged off [Abstract]
Total recoveries	64	46	28
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	165	337	1,461
Recoveries of loans previously charged off [Abstract]
Total recoveries	4	12	553
Florida [Member] | Commercial [Member]
Loans charged off [Abstract]
Total loan charge offs	0	0	613
Recoveries of loans previously charged off [Abstract]
Total recoveries	0	7	480
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Loans charged off [Abstract]
Total loan charge offs	126	320	835
Recoveries of loans previously charged off [Abstract]
Total recoveries	4	5	69
Florida [Member] | Installment [Member]
Loans charged off [Abstract]
Total loan charge offs	39	17	13
Recoveries of loans previously charged off [Abstract]
Total recoveries	$ 0	$ 0	$ 4

Loans and Allowance for Loan 55

Loans and Allowance for Loan Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	43,890	44,762
Total ending allowance balance	43,890	44,762	$ 46,327	$ 47,714
Loans [Abstract]
Individually evaluated for impairment	24,025	25,881
Collectively evaluated for impairment	3,406,561	3,267,423
Total ending loans balance	3,430,586	3,293,304
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	4,929	4,491
Total ending allowance balance	4,929	4,491	4,071	4,019
Loans [Abstract]
Individually evaluated for impairment	2,418	3,306
Collectively evaluated for impairment	188,776	200,109
Total ending loans balance	191,194	203,415
Real Estate Mortgage - 1 to 4 Family [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	38,231	39,753
Total ending allowance balance	38,231	39,753	42,088	43,597
Loans [Abstract]
Individually evaluated for impairment	21,607	22,575
Collectively evaluated for impairment	3,208,967	3,057,923
Total ending loans balance	3,230,574	3,080,498
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	730	518
Total ending allowance balance	730	518	$ 168	$ 98
Loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	8,818	9,391
Total ending loans balance	$ 8,818	$ 9,391

Loans and Allowance for Loan 56

Loans and Allowance for Loan Losses, Impaired Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Impaired loans by loans class [Abstract]
Recorded Investment	$ 24,025	$ 25,881
Unpaid Principal Balance	26,201	28,209
Related Allowance	0	0
Average Recorded Investment	22,408	26,552
Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,418	3,306
Unpaid Principal Balance	3,470	3,996
Related Allowance	0	0
Average Recorded Investment	2,214	3,608
Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	18,684	19,220
Unpaid Principal Balance	19,539	20,454
Related Allowance	0	0
Average Recorded Investment	17,465	19,616
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	363	412
Unpaid Principal Balance	399	470
Related Allowance	0	0
Average Recorded Investment	332	436
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,560	2,943
Unpaid Principal Balance	2,793	3,289
Related Allowance	0	0
Average Recorded Investment	2,397	2,892
New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	21,361	23,431
Unpaid Principal Balance	23,374	25,584
Related Allowance	0	0
Average Recorded Investment	19,936	24,355
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,418	3,306
Unpaid Principal Balance	3,470	3,996
Related Allowance	0	0
Average Recorded Investment	2,214	3,608
New York and Other States [Member] | Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	16,675	17,460
Unpaid Principal Balance	17,439	18,602
Related Allowance	0	0
Average Recorded Investment	15,665	18,127
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	269	359
Unpaid Principal Balance	305	417
Related Allowance	0	0
Average Recorded Investment	251	382
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	1,999	2,306
Unpaid Principal Balance	2,160	2,569
Related Allowance	0	0
Average Recorded Investment	1,806	2,238
Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,664	2,450
Unpaid Principal Balance	2,827	2,625
Related Allowance	0	0
Average Recorded Investment	2,472	2,197
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Florida [Member] | Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,009	1,760
Unpaid Principal Balance	2,100	1,852
Related Allowance	0	0
Average Recorded Investment	1,800	1,489
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	94	53
Unpaid Principal Balance	94	53
Related Allowance	0	0
Average Recorded Investment	81	54
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	561	637
Unpaid Principal Balance	633	720
Related Allowance	0	0
Average Recorded Investment	$ 591	$ 654

Loans and Allowance for Loan 57

Loans and Allowance for Loan Losses, Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Contract	Dec. 31, 2015USD ($)Contract	Dec. 31, 2014USD ($)Contract
Financing Receivable, Modifications [Line Items]
TDR's classifications from previously performing loans	$ 11,500	$ 10,900
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	43	43	49
Pre-Modification Outstanding Recorded Investment	$ 3,718	$ 5,440	$ 6,150
Post-Modification Outstanding Recorded Investment	$ 3,718	$ 5,440	$ 6,150
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	2	0	1
Pre-Modification Outstanding Recorded Investment	$ 401	$ 0	$ 294
Post-Modification Outstanding Recorded Investment	$ 401	$ 0	$ 294
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	30	35	41
Pre-Modification Outstanding Recorded Investment	$ 2,871	$ 4,797	$ 5,585
Post-Modification Outstanding Recorded Investment	$ 2,871	$ 4,797	$ 5,585
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	1	1	4
Pre-Modification Outstanding Recorded Investment	$ 44	$ 137	$ 77
Post-Modification Outstanding Recorded Investment	$ 44	$ 137	$ 77
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	10	7	3
Pre-Modification Outstanding Recorded Investment	$ 402	$ 506	$ 194
Post-Modification Outstanding Recorded Investment	$ 402	$ 506	$ 194
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	6	10	11
Pre-Modification Outstanding Recorded Investment	$ 555	$ 887	$ 1,100
Post-Modification Outstanding Recorded Investment	$ 555	$ 887	$ 1,100
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	4	6	7
Pre-Modification Outstanding Recorded Investment	$ 504	$ 780	$ 676
Post-Modification Outstanding Recorded Investment	$ 504	$ 780	$ 676
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	1	0	1
Pre-Modification Outstanding Recorded Investment	$ 45	$ 0	$ 56
Post-Modification Outstanding Recorded Investment	$ 45	$ 0	$ 56
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	1	4	3
Pre-Modification Outstanding Recorded Investment	$ 6	$ 107	$ 368
Post-Modification Outstanding Recorded Investment	$ 6	$ 107	$ 368

Loans and Allowance for Loan 58

Loans and Allowance for Loan Losses, Modified Loans Payment Status (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Contract	Dec. 31, 2015USD ($)Contract	Dec. 31, 2014USD ($)Contract
Loans modified for which there was payment default [Abstract]
Deferral period of chapter 13 bankruptcies	60 months
Number of days past due when loans are considered to be in payment default	90 days
Contractual past due period for loans to be in payment default	30 days
New York and Other States [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	4	4	8
Recorded Investment | $	$ 432	$ 172	$ 390
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	3	2	7
Recorded Investment | $	$ 291	$ 148	$ 355
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	1	2	1
Recorded Investment | $	$ 141	$ 24	$ 35
Florida [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	0	2
Recorded Investment | $	$ 0	$ 0	$ 339
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	0	1
Recorded Investment | $	$ 0	$ 0	$ 60
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	0	1
Recorded Investment | $	$ 0	$ 0	$ 279

Loans and Allowance for Loan 59

Loans and Allowance for Loan Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		$ 3,430,586	$ 3,293,304
Impaired loans included in classified loans		1,800	3,000
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		191,194	203,415
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		174,407	187,051
Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		16,787	16,364
Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		163,609	175,873
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		148,919	160,243
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		14,690	15,630
Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		27,585	27,542
Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		25,488	26,808
Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		2,097	734
New York and Other States [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	2,692,335	2,650,787
New York and Other States [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		178,905	188,414
New York and Other States [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		162,118	172,050
New York and Other States [Member] | Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		16,787	16,364
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	151,366	160,965
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		136,676	145,335
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		14,690	15,630
New York and Other States [Member] | Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	27,539	27,449
New York and Other States [Member] | Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		25,442	26,715
New York and Other States [Member] | Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		2,097	734
Florida [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		738,251	642,517
Florida [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		12,289	15,001
Florida [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		12,289	15,001
Florida [Member] | Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		0	0
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		12,243	14,908
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		12,243	14,908
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		0	0
Florida [Member] | Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		46	93
Florida [Member] | Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		46	93
Florida [Member] | Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont, and Massachusetts.

Bank Premises and Equipment (De

Bank Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Bank premises and equipment	$ 115,123	$ 113,670
Accumulated depreciation and amortization	(79,657)	(76,026)
Total	35,466	37,643
Depreciation and amortization expense	4,038	4,554	$ 4,776
Occupancy expense of the Bank's premises included rental expense	7,600	7,500	$ 7,300
Land [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment	2,308	2,413
Buildings [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment	33,617	33,050
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment	49,503	48,819
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Bank premises and equipment	$ 29,695	$ 29,389

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest Expense, Deposits [Abstract]
Interest bearing checking accounts	$ 473	$ 448	$ 365
Savings accounts	2,148	2,468	2,662
Time deposits and money market accounts	11,592	12,067	11,064
Total	14,213	14,983	$ 14,091
Maturity of Time Deposits [Abstract]
Under 1 year	1,039,185
1 to 2 years	65,984
2 to 3 years	49,823
3 to 4 years	3,015
4 to 5 years	1,256
Over 5 years	200
Total time deposits	1,159,463	1,107,930
Amount included in time deposits with balance in excess of $250,000	$ 144,200	$ 98,700

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Short-term Debt [Line Items]
Amount outstanding	$ 209,406	$ 191,226
Federal Home Loan Bank of New York [Member]
Short-term Debt [Line Items]
Amount outstanding	0	0
Federal Reserve Bank of New York [Member]
Short-term Debt [Line Items]
Amount outstanding	0	0
Cash Management [Member]
Short-term Debt [Line Items]
Amount outstanding	209,406	191,226	$ 189,116
Maximum amount outstanding at any month end	209,406	194,738	209,370
Average amount outstanding	$ 185,672	$ 184,725	$ 189,430
Weighted average interest rate, For the year	0.59%	0.66%	0.74%
Weighted average interest rate, As of year end	0.59%	0.60%	0.72%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Current tax expense [Abstract]
Federal	$ 20,904	$ 19,864	$ 22,046
State	1,524	1,647	2,386
Total current tax expense	22,428	21,511	24,432
Deferred tax expense	3,261	3,011	2,964
Total income tax expense	25,689	24,522	27,396
Components of deferred tax assets and liabilities [Abstract]
Benefits and deferred remuneration	(5,474)	(4,992)
Difference in reporting the allowance for loan losses, net	18,117	18,576
Other income or expense not yet reported for tax purposes	129	2,607
Depreciable assets	(638)	(796)
Net deferred tax asset at end of year	12,134	15,395	18,406
Net deferred tax asset at beginning of year	15,395	18,406
Deferred tax expense	3,261	3,011	$ 2,964
Deferred tax assets, unrealized losses on available-for-sale securities	4,400	3,000
Deferred tax liabilities, unrecognized overfunded position in company's pension and postretirement benefit plans	$ 339
Deferred tax assets, unrecognized overfunded position in company's pension and postretirement benefit plans		$ 193
Reconciliation from statutory federal income tax rate to effective tax rate [Abstract]
Statutory federal income tax rate	35.00%	35.00%	35.00%
Increase/(decrease) in taxes resulting from [Abstract]
Tax exempt income	(0.10%)	(0.10%)	(0.10%)
State income tax (including alternative minimum tax), net of federal tax benefit	1.80%	1.80%	2.70%
Other items	0.90%	0.00%	0.70%
Effective income tax rate	37.60%	36.70%	38.30%
Unrecognized pre-tax benefit and changes in those benefits [Roll Forward]
Unrecognized tax benefit, beginning balance	$ 213	$ 213
Change in unrecognized tax reserve		0
Decrease due to lapse in statute of limitations	(213)
Unrecognized tax benefit, ending balance	$ 0	$ 213	$ 213
Federal [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2,013
Federal [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2,016
New York State [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2,013
New York State [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2,016

Benefit Plans (Details)

Benefit Plans (Details) - Retirement Plan [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)h	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Defined Benefit Plan Disclosure [Line Items]
Requisite minimum period of employment	1 year
Requisite minimum hours of service | h	1,000
Number of consecutive years in highest compensation preceding retirement	5 years
Period preceding retirement considered in calculating benefits	10 years
Change in benefit obligation [Roll Forward]
Projected benefit obligation at beginning of year	$ 30,889	$ 33,662
Service cost	61	60	$ 58
Interest cost	1,371	1,329	1,374
Benefit payments and expected expenses	(1,782)	(1,676)
Net actuarial loss (gain)	191	(2,486)
Projected benefit obligation at end of year	$ 30,730	$ 30,889	$ 33,662

Benefit Plans, Plan Discosures

Benefit Plans, Plan Discosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Retirement Plan [Member]
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair value of plan assets at beginning of year	$ 41,677	$ 42,993
Actual gain on plan assets	3,187	360
Company contributions	0	0
Benefit payments and actual expenses	(1,764)	(1,676)
Fair value of plan assets at end of year	43,100	41,677	$ 42,993
Funded status at end of year	12,370	10,788
Amounts recognized in accumulated other comprehensive income [Abstract]
Net actuarial loss	5,279	5,830
Accumulated benefit obligation for pension benefits	30,700	30,900
Components of the net periodic pension income and other amounts recognized in other comprehensive income [Abstract]
Service Cost	61	60	58
Interest cost	1,371	1,329	1,374
Expected return on plan assets	(2,648)	(2,735)	(2,504)
Amortization of net loss	184	210	0
Net periodic pension credit	(1,032)	(1,136)	(1,072)
Amortization of net loss	(184)	(210)	0
Net actuarial (gain) / loss included in other comprehensive (loss) income	(367)	(109)	5,337
Total amount recognized in other comprehensive (loss) income	(551)	(319)	5,337
Total recognized in net periodic benefit (credit) cost and other comprehensive (loss) income	(1,583)	(1,455)	4,265
Amounts of Net Gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	96
Post-Retirement Benefits Plan [Member]
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair value of plan assets at beginning of year	19,238	19,285
Actual gain on plan assets	1,104	(47)
Company contributions	66	85
Benefits paid	(70)	(85)
Fair value of plan assets at end of year	20,338	19,238	19,285
Funded status at end of year	15,218	13,804
Amounts recognized in accumulated other comprehensive income [Abstract]
Net actuarial loss	(4,581)	(3,890)
Prior service credit	(1,547)	(1,457)
Total	(6,128)	(5,347)
Accumulated benefit obligation for pension benefits	5,120	5,434	6,455
Components of the net periodic pension income and other amounts recognized in other comprehensive income [Abstract]
Service Cost	116	165	100
Interest cost	221	268	217
Expected return on plan assets	(720)	(722)	(672)
Amortization of net loss	(274)	(140)	(297)
Net periodic pension credit	(567)	(339)	(453)
Amortization of net loss	274	140	297
Net actuarial (gain) / loss included in other comprehensive (loss) income	(966)	(602)	1,219
Total amount recognized in other comprehensive (loss) income	(782)	(552)	3,128
Total recognized in net periodic benefit (credit) cost and other comprehensive (loss) income	(1,349)	$ (891)	$ 2,675
Amounts of Net Gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	341
Amount of prior service cost that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	$ 90

Benefit Plans, Estimated Future

Benefit Plans, Estimated Future Benefit Payments and Change in Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assumptions used to determine net periodic pension expense [Abstract]
Rabbi Trust	$ 5,600	$ 5,600
Retirement Plan [Member]
Estimated future benefit payments [Abstract]
2,017	1,776
2,018	1,802
2,019	1,828
2,020	1,862
2,021	1,912
2022 - 2026	$ 9,442
Assumptions used to determine benefit obligation [Abstract]
Discount rate	4.41%	4.55%	4.03%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	4.55%	4.03%	5.08%
Expected long-term rate of return on assets	6.50%	6.50%	6.50%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 30,900
Service cost	61	$ 60	$ 58
Interest cost	1,371	1,329	$ 1,374
Net actuarial gain	191	(2,486)
Accumulated benefit obligation at end of year	30,700	$ 30,900
Post-Retirement Benefits Plan [Member]
Estimated future benefit payments [Abstract]
2,017	87
2,018	98
2,019	112
2,020	117
2,021	146
2022 - 2026	$ 965
Assumptions used to determine benefit obligation [Abstract]
Discount rate	4.41%	4.55%	4.03%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	4.55%	4.03%	5.08%
Expected long-term rate of return on assets	3.75%	3.75%	3.75%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 5,434	$ 6,455
Service cost	116	165	$ 100
Interest cost	221	268	217
Plan amendments	0	0
Benefits paid	(70)	(85)
Net actuarial gain	(581)	(1,369)
Accumulated benefit obligation at end of year	5,120	5,434	6,455
Supplementary Pension Plan [Member]
Assumptions used to determine net periodic pension expense [Abstract]
Plan expense	1,000	1,000	$ 1,500
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	5,600
Accumulated benefit obligation at end of year	$ 5,600	$ 5,600

Benefit Plans, Other Comprehens

Benefit Plans, Other Comprehensive Income Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Change in component of other comprehensive income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	$ (1,333)	$ (711)	$ 8,367
Amortization of net actuarial gain (loss)	90	(70)	297
Amortization of prior service credit	(90)	(90)	(199)
Total	(1,333)	(871)
Retirement Plan [Member]
Components of the net periodic income and other amounts recognized in other comprehensive income [Abstract]
Service Cost	61	60	58
Interest cost	1,371	1,329	1,374
Expected return on plan assets	(2,648)	(2,735)	(2,504)
Amortization of net loss (gain)	184	210	0
Net periodic pension credit	(1,032)	(1,136)	(1,072)
Net (gain) loss	(367)	(109)	5,337
Amortization of net gain	(184)	(210)	0
Total amount recognized in other comprehensive (loss) income	(551)	(319)	5,337
Total amount recognized in net periodic benefit cost and other comprehensive (loss) income	(1,583)	(1,455)	4,265
Change in component of other comprehensive income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	(367)	(109)
Amortization of net actuarial gain (loss)	(184)	(210)
Amortization of prior service credit	0	0
Total	(551)	(319)
Post-Retirement Benefits Plan [Member]
Components of the net periodic income and other amounts recognized in other comprehensive income [Abstract]
Service Cost	116	165	100
Interest cost	221	268	217
Expected return on plan assets	(720)	(722)	(672)
Amortization of net loss (gain)	(274)	(140)	(297)
Amortization of prior service cost	90	90	199
Net periodic pension credit	(567)	(339)	(453)
Net (gain) loss	(966)	(602)	1,219
Prior service cost	0	0	1,811
Amortization of prior service cost	(90)	(90)	(199)
Amortization of net gain	274	140	297
Total amount recognized in other comprehensive (loss) income	(782)	(552)	3,128
Total amount recognized in net periodic benefit cost and other comprehensive (loss) income	(1,349)	(891)	$ 2,675
Effect of one-percentage point change in assumed health care cost trend rates [Abstract]
Effect of one percentage point increase on in assumed health care cost	1,100
Effect of one percentage point decrease on in assumed health care cost	837
Effect of one percentage point increase on in interest and service components	74
Effect of one percentage point decrease on in interest and service components	57
Change in component of other comprehensive income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	(966)	(602)
Amortization of net actuarial gain (loss)	274	140
Amortization of prior service credit	(90)	(90)
Total	$ (782)	$ (552)

Benefit Plans, Allocation of Pl

Benefit Plans, Allocation of Plan Assets (Details)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Retirement Plan [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100.00%	100.00%
Retirement Plan [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	64.00%	60.00%
Retirement Plan [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	31.00%	32.00%
Retirement Plan [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	5.00%	8.00%
Post-Retirement Benefits Plan [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100.00%	100.00%
Post-Retirement Benefits Plan [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	62.00%	60.00%
Post-Retirement Benefits Plan [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	33.00%	25.00%
Post-Retirement Benefits Plan [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	6.00%	15.00%
Pension and Postretirement Plans [Member] | Equity Securities [Member]
Assets target allocations [Abstract]
Prescribed target allocations range, minimum	50.00%
Prescribed target allocation range, maximum	70.00%
Pension and Postretirement Plans [Member] | Debt Securities [Member]
Assets target allocations [Abstract]
Prescribed target allocations range, minimum	25.00%
Prescribed target allocation range, maximum	40.00%
Pension and Postretirement Plans [Member] | Other [Member]
Assets target allocations [Abstract]
Prescribed target allocations range, minimum	0.00%
Prescribed target allocation range, maximum	10.00%

Benefit Plans, Fair Value of Pl

Benefit Plans, Fair Value of Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Retirement Plan [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	$ 43,100	$ 41,677	$ 42,993
Retirement Plan [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	30,332	29,127
Retirement Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	12,768	12,550
Retirement Plan [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	43,100	41,677
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,027	3,182
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,027	3,182
Retirement Plan [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	27,706	25,352
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	27,706	25,352
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	4,233	5,779
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	4,233	5,779
Retirement Plan [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	8,535	6,771
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	8,535	6,771
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	599	593
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	599	593
Post-Retirement Benefits Plan [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	20,338	19,238	$ 19,285
Post-Retirement Benefits Plan [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	13,712	14,345
Post-Retirement Benefits Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	6,626	4,893
Post-Retirement Benefits Plan [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	20,338	19,238
Post-Retirement Benefits Plan [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	1,172	2,832
Post-Retirement Benefits Plan [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	1,172	2,832
Post-Retirement Benefits Plan [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	12,540	11,513
Post-Retirement Benefits Plan [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	12,540	11,513
Post-Retirement Benefits Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,049	1,843
Post-Retirement Benefits Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	2,049	1,843
Post-Retirement Benefits Plan [Member] | State and Political Subdivisions [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | State and Political Subdivisions [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	1,450	1,976
Post-Retirement Benefits Plan [Member] | State and Political Subdivisions [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | State and Political Subdivisions [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	1,450	1,976
Post-Retirement Benefits Plan [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	3,127	1,074
Post-Retirement Benefits Plan [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Post-Retirement Benefits Plan [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	$ 3,127	$ 1,074

Benefit Plans, Employee Service

Benefit Plans, Employee Service Share-based Compensation, Aggregate Disclosures (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2011
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 857	$ 480	$ 1,200
Number of awards in prior years (in shares)				2,100,000
Weighted average strike price (in dollars per share)	$ 8.03
Stock Options [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Options maximum term	5 years
Summary of the status of company's stock option, Outstanding options [Roll Forward]
Beginning balance (in shares)	2,324,971
New options awarded (in shares)	0
Expired options (in shares)	0
Forfeited options (in shares)	0
Exercised options (in shares)	(240,930)	28,000	18,000
Ending balance (in shares)	2,084,041	2,324,971
Summary of the status of company's stock option, Exercisable options [Roll Forward]
Ending balance (in shares)	1,674,741
Weighted average option price, Outstanding options [Roll Forward]
Beginning balance (in dollars per share)	$ 7.34
New options awarded (in dollars per share)	0
Expired options (in dollars per share)	0
Forfeited options (in dollars per share)	0
Exercised options (in dollars per share)	5.32
Ending balance (in dollars per share)	$ 7.57	$ 7.34
Weighted average remaining contractual life, options outstanding	4 years
Exercisable options, weighted average exercise price (in dollars per share)	$ 7.80
Weighted average remaining contractual life, exercisable outstanding	3 years 1 month 6 days
Intrinsic value of outstanding stock options	$ 2,600
Intrinsic value of vested stock options	$ 2,000
Stock Options [Member] | Maximum [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Options maximum term	10 years
Restricted Common Shares [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 224	$ 204	$ 325
Restricted Shares Units [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 610	324	352
Options maximum term	3 years
Performance Share Units [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 23	(48)	490
Options maximum term	3 years
Liability Awards [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 633	276	870
Equity Awards [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Stock based compensation expense	$ 224	204	325
401(k) Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Employer matching contribution, first match	100.00%
Aggregate salary contribution matched by employer, first match	3.00%
Employer matching contribution, next matched	50.00%
Aggregate salary contribution matched by employer, next match	3.00%
Profit sharing contribution	$ 0	0	0
Expense related to 401(k) plan	986	944	710
Executive Incentive Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Expense for officers and executive incentive plan	$ 1,700	$ 715	$ 1,300
2010 Employee Stock Option Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)	2,300,000
2010 Employee Stock Option Plan [Member] | Other Equity Based Cash Settled Awards [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)	1,400,000
2010 Directors Stock Option Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)	250,000
2010 Directors Stock Option Plan [Member] | Other Equity Based Cash Settled Awards [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)	250,000

Benefit Plans, Valuation, Stock

Benefit Plans, Valuation, Stock-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 857	$ 480	$ 1,200
Income tax benefit related to stock-based compensation	$ 343	$ 192	$ 478
Stock Options [Member]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Options maximum term	5 years
Unrecognized stock-based compensation expense related to non-vested stock options	$ 367
Unrecognized compensation expense, period of recognition	3 years 9 months 18 days
Weighted average fair value of stock options granted (in dollars per share)	$ 0
Options [Member]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Weighted average fair value of stock options granted (in dollars per share)		$ 0.98	$ 0.93
Restricted Common Shares [Member]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 224	$ 204	$ 325
Restricted Shares Units [Member]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 610	$ 324	352
Options maximum term	3 years
Unrecognized stock-based compensation expense	$ 1,100
Unrecognized compensation expense, period of recognition	27 months
Shares [Roll Forward]
Balance, December 31, 2015 (in shares)	185,200
New awards granted (in shares)	81,200
Forfeited awards (in shares)	(1,600)
Awards settled (in shares)	(49,750)
Balance, December 31, 2016 (in shares)	215,050	185,200
Shares vested after term	100.00%
Liability related to awards	$ 687	$ 404
Performance Share Units [Member]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	23	$ (48)	$ 490
Income tax benefit related to stock-based compensation	$ 48
Options maximum term	3 years
Unrecognized stock-based compensation expense	$ 1,400
Unrecognized compensation expense, period of recognition	30 months
Shares [Roll Forward]
Balance, December 31, 2015 (in shares)	313,700
New awards granted (in shares)	108,300
Awards settled (in shares)	(65,000)
Balance, December 31, 2016 (in shares)	357,000	313,700
Shares vested after term	100.00%
Liability related to awards	$ 323	$ 699
Employees' Plan [Member]
Assumption used to determine fair value of options [Abstract]
Expected dividend yield		4.09%	3.64%
Risk-free interest rate		1.74%	1.74%
Expected volatility rate		26.20%	21.62%
Expected lives		5 years	5 years

Benefit Plans, Stock Based Comp

Benefit Plans, Stock Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Stock Based Compensation Expense [Abstract]
Stock based compensation expense	$ 857	$ 480	$ 1,200
Income tax benefit related to stock-based compensation	343	192	478
Liability Awards [Member]
Stock Based Compensation Expense [Abstract]
Stock based compensation expense	633	276	870
Equity Awards [Member]
Stock Based Compensation Expense [Abstract]
Stock based compensation expense	$ 224	$ 204	$ 325

Commitments and Contingent Li73

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Operating leases with minimum rental commitments [Abstract]
2,017	$ 7,134
2,018	6,953
2,019	6,848
2,020	6,601
2,021	6,372
2022 and after	35,758
Total	69,666
Outsourced service expense	6,216	$ 5,860	$ 5,350
Third-Party Service Agreement [Member] | Minimum [Member]
Long-term Purchase Commitment [Line Items]
Outsource service expense	6,000
Third-Party Service Agreement [Member] | Maximum [Member]
Long-term Purchase Commitment [Line Items]
Outsource service expense	$ 7,000

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 42,601	$ 42,238	$ 44,193
Less: Net income allocated to participating securities	0	0	43
Net income allocated to common shareholders	$ 42,601	$ 42,238	$ 44,150
Weighted average common shares outstanding including participating securities (in shares)	95,548	95,103	94,721
Less: Participating securities (in shares)	0	0	93
Weighted average common shares (in shares)	95,548	95,103	94,628
Effect of Dilutive Securities [Abstract]
Stock Options (in shares)	100	110	125
Weighted average common shares including potential dilutive shares (in shares)	95,648	95,213	94,753
Basic EPS (in dollars per share)	$ 0.446	$ 0.444	$ 0.467
Diluted EPS (in dollars per share)	$ 0.445	$ 0.444	$ 0.466
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Weighted average number of antidilutive stock options excluded from diluted earnings per share (in shares)	1,400	1,500	2,300

Off-Balance Sheet Financial I75

Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risks, amount	$ 462.5	$ 432.1
Variable rate product commitments	80.00%	82.00%
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risks, amount	$ 4.6	$ 3.5
Off balance sheet instrument term	12 months

Fair Value of Financial Instr76

Fair Value of Financial Instruments, Part 1 (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities available-for sale [Abstract]
Total securities available-for-sale	$ 620,360	$ 601,037
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available-for sale [Abstract]
Total securities available-for-sale	35	35
Significant Other Observable Inputs (Level 2) [Member]
Securities available-for sale [Abstract]
Total securities available-for-sale	620,325	601,002
Significant Unobservable Inputs (Level 3) [Member]
Securities available-for sale [Abstract]
Total securities available-for-sale	0	0
Carrying Value [Member]
Securities available-for sale [Abstract]
Total securities available-for-sale	620,360	601,037
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0
Small Business Administration-guaranteed participation securities	0	0
Mortgage backed securities and collateralized mortgage obligations - commercial	0	0
Other	35	35
Total securities available-for-sale	35	35
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	117,266	86,737
State and political subdivisions	886	1,290
Mortgage backed securities and collateralized mortgage obligations - residential	372,308	411,729
Corporate bonds	40,705
Small Business Administration-guaranteed participation securities	78,499	90,416
Mortgage backed securities and collateralized mortgage obligations - commercial	10,011	10,180
Other	650	650
Total securities available-for-sale	620,325	601,002
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0
Small Business Administration-guaranteed participation securities	0	0
Mortgage backed securities and collateralized mortgage obligations - commercial	0	0
Other	0	0
Total securities available-for-sale	0	0
Recurring [Member] | Carrying Value [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	117,266	86,737
State and political subdivisions	886	1,290
Mortgage backed securities and collateralized mortgage obligations - residential	372,308	411,729
Corporate bonds	40,705
Small Business Administration-guaranteed participation securities	78,499	90,416
Mortgage backed securities and collateralized mortgage obligations - commercial	10,011	10,180
Other	685	685
Total securities available-for-sale	$ 620,360	$ 601,037

Fair Value of Financial Instr77

Fair Value of Financial Instruments, Part 2 (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Impaired loans [Abstract]
Fair value assets transfers from Level 1 to Level 2	$ 0	$ 0
Fair value assets transfers from Level 2 to Level 1	0	0
Other real estate owned, commercial real estate	756	1,000
Other real estate owned, residential real estate properties	3,500	5,400
Valuation charge on other real estate owned	1,200	1,100
Impaired loans	24,025	25,881
Collateral dependent impaired loans	1,700	4,000
Gross charge offs, commercial impaired loans	482	641
Gross charge offs, residential impaired loans	$ 226	$ 648
Nonrecurring [Member] | Sales Comparison Approach [Member] | Other Real Estate Owned [Member]
Impaired loans [Abstract]
Unobservable inputs	Adjustments for differences between comparable sales	Adjustments for differences between comparable sales
Nonrecurring [Member] | Sales Comparison Approach [Member] | Other Real Estate Owned [Member] | Minimum [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	1.00%	1.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Other Real Estate Owned [Member] | Maximum [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	14.00%	10.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Other Real Estate Owned [Member] | Weighted Average [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	7.00%	4.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Impaired loans [Abstract]
Unobservable inputs	Adjustments for differences between comparable sales	Adjustments for differences between comparable sales
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Minimum [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	5.00%	0.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Maximum [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	14.00%	9.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Weighted Average [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	10.00%	4.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Commercial Real Estate [Member]
Impaired loans [Abstract]
Unobservable inputs	Adjustments for differences between comparable sales	Adjustments for differences between comparable sales
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Commercial Real Estate [Member] | Minimum [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	7.00%	3.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Commercial Real Estate [Member] | Maximum [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	35.00%	22.00%
Nonrecurring [Member] | Sales Comparison Approach [Member] | Impaired Loan [Member] | Commercial Real Estate [Member] | Weighted Average [Member]
Impaired loans [Abstract]
Adjustments for differences between comparable sales	23.00%	11.00%
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Other real estate owned [Abstract]
Other real estate owned	$ 0	$ 0
Impaired loans [Abstract]
Commercial real estate	0	0
Real estate mortgage- 1 to 4 family	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Other real estate owned [Abstract]
Other real estate owned	0	0
Impaired loans [Abstract]
Commercial real estate	0	0
Real estate mortgage- 1 to 4 family	0	0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Other real estate owned [Abstract]
Other real estate owned	4,268	6,455
Impaired loans [Abstract]
Commercial real estate	1,250	878
Real estate mortgage- 1 to 4 family	458	3,109
Nonrecurring [Member] | Carrying Value [Member]
Other real estate owned [Abstract]
Other real estate owned	4,268	6,455
Impaired loans [Abstract]
Commercial real estate	1,250	878
Real estate mortgage- 1 to 4 family	$ 458	$ 3,109

Fair Value of Financial Instr78

Fair Value of Financial Instruments, Part 3 (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financial assets [Abstract]
Cash and cash equivalents	$ 707,274	$ 718,156	$ 671,448	$ 583,044
Securities available for sale	620,360	601,037
Held to maturity securities	47,526	59,439
Net loans	3,370,976	3,279,167
Accrued interest receivable	11,070	10,262
Financial liabilities [Abstract]
Demand deposits	377,755	365,081
Interest bearing deposits	3,814,970	3,738,607
Short-term borrowings	209,406	191,226
Accrued interest payable	526	501
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	707,274	718,156
Securities available for sale	35	35
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	145	80
Financial liabilities [Abstract]
Demand deposits	377,755	365,081
Interest bearing deposits	2,658,945	2,627,367
Short-term borrowings	0	0
Accrued interest payable	82	74
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	620,325	601,002
Held to maturity securities	47,526	59,439
Net loans	0	0
Accrued interest receivable	2,654	2,370
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,156,025	1,111,240
Short-term borrowings	209,406	191,226
Accrued interest payable	444	427
Level 3 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	3,370,976	3,279,167
Accrued interest receivable	8,271	7,812
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	0	0
Short-term borrowings	0	0
Accrued interest payable	0	0
Carrying Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	707,274	718,156
Securities available for sale	620,360	601,037
Held to maturity securities	45,490	56,465
Federal Reserve Bank and Federal Home Loan Bank stock	9,579	9,480
Net loans	3,386,696	3,248,542
Accrued interest receivable	11,070	10,262
Financial liabilities [Abstract]
Demand deposits	377,755	365,081
Interest bearing deposits	3,818,408	3,735,297
Short-term borrowings	209,406	191,226
Accrued interest payable	$ 526	$ 501

Regulatory Capital Requiremen79

Regulatory Capital Requirements (Details) $ in Thousands		Dec. 31, 2016USD ($)Classification		Dec. 31, 2015USD ($)
Leverage Ratios [Abstract]
Common equity Tier 1 capital conservation buffer		0.625%
Tier 1 risk based capital ratio, capital conservation buffer		0.625%
Total risk based capital ratio, capital conservation buffer		0.625%
Trustco Bank [Member]
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 424,802		$ 405,506
Common equity Tier 1 capital		424,802		405,506
Tier 1 risk-based capital		424,802		405,506
Total risk-based capital		$ 455,772		$ 435,149
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		8.829%		8.60%
Common equity Tier 1 capital, ratio		17.238%		17.21%
Tier 1 risk-based capital, ratio		17.238%		17.21%
Total risk-based capital, ratio		18.492%		18.47%
Leverage Ratios [Abstract]
Tier 1 leverage ratio, well capitalized	[1]	5.00%		5.00%
Tier 1 leverage ratio, adequately capitalized	[1]	4.00%	[2]	4.00%
Common equity Tier 1 capital, well capitalized	[1]	6.50%		6.50%
Common equity Tier 1 capital, adequately capitalized	[1]	5.125%	[2]	4.50%
Tier 1 risk-based capital, well capitalized	[1]	8.00%		8.00%
Tier 1 risk-based capital, adequately capitalized	[1]	6.625%	[2]	6.00%
Total risk-based capital, well capitalized	[1]	10.00%		10.00%
Total risk-based capital, adequately capitalized	[1]	8.625%	[2]	8.00%
Number of classifications for prompt corrective action regulations provide | Classification		5
TrustCo Bank Corp NY [Member]
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 438,426		$ 417,538
Common equity Tier 1 capital		438,426		417,538
Tier 1 risk-based capital		438,426		417,538
Total risk-based capital		$ 469,411		$ 447,193
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		9.11%		8.85%
Common equity Tier 1 capital, ratio		17.782%		17.71%
Tier 1 risk-based capital, ratio		17.782%		17.71%
Total risk-based capital, ratio		19.038%		18.97%
Leverage Ratios [Abstract]
Tier 1 leverage ratio, adequately capitalized		4.00%		4.00%
Common equity Tier 1 capital, adequately capitalized		5.125%		4.50%
Tier 1 risk-based capital, adequately capitalized		6.625%		6.00%
Total risk-based capital, adequately capitalized		8.625%		8.00%
[1]	Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized
[2]	The December 31, 2016 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a transition capital conservation buffer of 0.625 percent

Accumulated Other Comprehensi80

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	$ 413,310	$ 393,444	$ 361,813
Other comprehensive income (loss)- before reclassifications	(1,069)	(218)	9,784
Amount reclassified from accumulated other comprehensive loss	(401)	(54)	(490)
Other comprehensive (loss) income, net of tax	(1,470)	(272)	9,294
Balance	432,686	413,310	393,444
AOCI Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(4,781)	(4,509)	(13,803)
Other comprehensive (loss) income, net of tax	(1,470)	(272)	9,294
Balance	(6,251)	(4,781)	(4,509)
Net Unrealized Holding Gain (Losses) on Securities Available for Sale, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(4,492)	(3,693)	(18,078)
Other comprehensive income (loss)- before reclassifications	(1,869)	(648)	14,815
Amount reclassified from accumulated other comprehensive loss	(401)	(151)	(430)
Other comprehensive (loss) income, net of tax	(2,270)	(799)	14,385
Balance	(6,762)	(4,492)	(3,693)
Net Change in Overfunded Position [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(758)	(1,188)	3,843
Other comprehensive income (loss)- before reclassifications	800	430	(5,031)
Amount reclassified from accumulated other comprehensive loss	0	0	0
Other comprehensive (loss) income, net of tax	800	430	(5,031)
Balance	42	(758)	(1,188)
Net Change in Net Actuarial Loss (Gain) and Prior Service Cost on Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	469	372	432
Other comprehensive income (loss)- before reclassifications	0	0	0
Amount reclassified from accumulated other comprehensive loss	0	97	(60)
Other comprehensive (loss) income, net of tax	0	97	(60)
Balance	$ 469	$ 469	$ 372

Accumulated Other Comprehensi81

Accumulated Other Comprehensive Loss, Reclassifications out of accumulated other comprehensive income (loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	$ 668	$ 251	$ 717
Salaries and employee benefits	36,508	32,521	32,879
Income taxes	25,689	24,522	27,396
Net income	42,601	42,238	44,193
Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net income	401	54	490
Unrealized Gains on Securities Available for Sale [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	668	251	717
Income taxes	(267)	(100)	(287)
Net income	401	151	430
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Income taxes	0	63	(38)
Net income	0	(97)	60
Amortization of Net Actuarial Gain (Loss) [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	90	(70)	297
Amortization of Prior Service Cost [Member] | Reclassification Out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	$ (90)	$ (90)	$ (199)

Building Held for Sale (Details

Building Held for Sale (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Building Held for Sale [Abstract]
Agreement to sell operations center		$ 5
Carrying value of building to be used as operations center		$ 3.2
Recognized gain from the sale of the building	$ 1.6

Agreement with the Office of 83

Agreement with the Office of the Comptroller of the Currency (Details)	Jul. 21, 2015Director
Agreement with the Office of the Comptroller of the Currency [Abstract]
Minimum number of directors to establish a committee	3

Parent Company Only, Statements

Parent Company Only, Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Expenses [Abstract]
Professional services	$ 8,200	$ 7,878	$ 5,807
Total noninterest expense	93,827	90,560	84,670
Income before income taxes and subsidiaries' undistributed earnings	68,290	66,760	71,589
Income tax benefit	25,689	24,522	27,396
Net income	42,601	42,238	44,193
Change in other comprehensive (loss) income	(1,470)	(272)	9,294
Comprehensive income	41,131	41,966	53,487
TrustCo Bank Corp NY [Member]
Statements of Comprehensive Income [Abstract]
Dividends and interest from subsidiaries	24,498	24,501	24,499
Miscellaneous income	0	0	18
Total income	24,498	24,501	24,517
Expenses [Abstract]
Operating supplies	21	33	50
Professional services	461	577	557
Miscellaneous expense	1,258	664	1,350
Total noninterest expense	1,740	1,274	1,957
Income before income taxes and subsidiaries' undistributed earnings	22,758	23,227	22,560
Income tax benefit	(578)	(405)	(663)
Income before subsidiaries' undistributed earnings	23,336	23,632	23,223
Equity in undistributed earnings of subsidiaries	19,265	18,606	20,970
Net income	42,601	42,238	44,193
Change in other comprehensive (loss) income	(1,470)	(272)	9,294
Comprehensive income	$ 41,131	$ 41,966	$ 53,487

Parent Company Only, Statemen85

Parent Company Only, Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assets [Abstract]
Cash in subsidiary bank	$ 707,274	$ 718,156	$ 671,448	$ 583,044
Securities available for sale	620,360	601,037
Other assets	63,941	63,669
Total assets	4,868,806	4,734,992
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	30,551	30,078
Total liabilities	4,436,120	4,321,682
Shareholders' equity	432,686	413,310	393,444	361,813
Total liabilities and shareholders' equity	4,868,806	4,734,992
TrustCo Bank Corp NY [Member]
Assets [Abstract]
Cash in subsidiary bank	19,886	18,463	$ 17,034	$ 15,263
Investments in subsidiaries	419,075	401,289
Securities available for sale	35	35
Other assets	824	967
Total assets	439,820	420,754
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	7,134	7,444
Total liabilities	7,134	7,444
Shareholders' equity	432,686	413,310
Total liabilities and shareholders' equity	$ 439,820	$ 420,754

Parent Company Only, Statemen86

Parent Company Only, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities [Abstract]
Net income	$ 42,601	$ 42,238	$ 44,193
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock based compensation expense	224	204	325
Total adjustments	12,293	17,770	10,802
Net cash provided by operating activities	54,894	60,008	54,995
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	(275,303)	(189,823)	(126,113)
Net cash used in investing activities	(157,791)	(61,267)	(34,563)
Cash flows from financing activities [Abstract]
Proceeds from exercise of stock options	1,368	147	131
Dividends paid	(25,064)	(24,950)	(24,851)
Payments to acquire treasury stock	701	147	282
Proceeds from sales of treasury stock	2,447	2,670	2,850
Net cash provided by financing activities	92,015	47,967	67,972
Net (decrease) increase in cash and cash equivalents	(10,882)	46,708	88,404
Cash and cash equivalents at beginning of period	718,156	671,448	583,044
Cash and cash equivalents at end of period	707,274	718,156	671,448
TrustCo Bank Corp NY [Member]
Cash flows from operating activities [Abstract]
Net income	42,601	42,238	44,193
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed earnings of subsidiaries	(19,265)	(18,606)	(20,970)
Stock based compensation expense	224	204	325
Net change in other assets and accrued expenses	(196)	(140)	388
Total adjustments	(19,237)	(18,542)	(20,257)
Net cash provided by operating activities	23,364	23,696	23,936
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	0	0	(25)
Net cash used in investing activities	0	0	(25)
Cash flows from financing activities [Abstract]
Proceeds from exercise of stock options	1,368	147	131
Dividends paid	(25,055)	(24,937)	(24,839)
Payments to acquire treasury stock	(701)	(147)	(282)
Proceeds from sales of treasury stock	2,447	2,670	2,850
Net cash provided by financing activities	(21,941)	(22,267)	(22,140)
Net (decrease) increase in cash and cash equivalents	1,423	1,429	1,771
Cash and cash equivalents at beginning of period	18,463	17,034	15,263
Cash and cash equivalents at end of period	$ 19,886	$ 18,463	$ 17,034