Earnings of Glacier Bancorp (GBCI) dipped by 25% quarter-over-quarter in the first quarter due to a hike in provision expense. Credit costs will likely remain high for another quarter before trending down in the second half of the year. The management's GDP contraction outlook for the first quarter's loan loss reserves was not severe enough; hence, GBCI will need to adjust its reserves in the second quarter. Strong loan growth will likely offset the negative impact of the hike in provision expense. GBCI's participation in the Paycheck Protection Program will likely drive loan growth in