Evans Bancorp, Inc. (NYSEMKT: EVBN) reported earnings of $0.09 per share in the second quarter, up from $0.07 per share in the first quarter, but down from $0.88 per share in the second quarter of 2019. The year-over-year earnings decline was attributable to higher provision expense and merger-related expenses. On the other hand, loan growth through the Paycheck Protection Program and the acquisition of Fairport Savings Bank supported the net income. Earnings will likely improve in the second half of the year due to a higher average loan balance and accelerated booking of Paycheck