Bank OZK (OZK) reported earnings of $0.39 per share in the second quarter, compared to $0.09 per share in the first quarter of 2020. The earnings improvement was chiefly attributable to a drop in provision expense. Earnings will likely continue to improve in the remainder of the year because the provision expense is likely to continue to decline. Moreover, gains on the sale of branches and higher average earning assets will likely drive earnings in the remainder of the year. Consequently, I’m expecting earnings to increase by 2.8x in the second half of the year