TrustCo Bank Corp NY (NASDAQ: TRST) reported earnings of $0.12 per share in the second quarter of 2020, down 23% from the corresponding period last year. The earnings decline was attributable to higher provision expense and lower customer service fees. Earnings will likely remain stable in the remainder of the year because loan growth and an improvement in net interest margin will likely offset elevated provision expense. The COVID-19 pandemic and loan growth will likely keep provision expense high in the remainder of the year. Overall, I’m expecting earnings to decline by 14% year