Earnings of American River Bankshares (NASDAQ: AMRB) dipped 5% sequentially to $0.24 per share in the first quarter of 2020. An increase in provision expense was the major contributor to the earnings decline. The company's earnings will likely improve in the remainder of the year due to AMRB's participation in the Paycheck Protection Program. AMRB has gotten a large amount approved by the Small Business Administration relative to its size. On the other hand, the provision expense will likely remain elevated in the remainder of the year, which will limit earnings growth. Overall, I'm