CFO ROUNDTABLE: BUDGETING FOR CHANGE Our panel Jon Drake Sr. is senior executive vice president and chief financial off icer at $870 million-asset Peoples Bank in Lubbock, Texas. Emily M. Hofer is the chief financial off icer at $216 million-asset Merchants State Bank in Freeman, S.D. Brett deMilliano is executive vice president and chief financial off icer at $1.5 billion-asset First American Bank in Artesia, N.M. Haynes Standard Jr. is the chief financial off icer and executive vice president of $265 million-asset First State Bank in Wrens, Ga. Steven S. Nutt is the executive vice president and chief financial off icer at $972 million-asset Community National Bank & Trust in Corsicana, Texas. From the impacts of the Paycheck Protection Program (PPP) to infl ation from recent stimulus packages, 2021 has thrown chief fi nancial offi cers several curveballs. Last year, we spoke to several community bank CFOs about how they were planning amid 2020's pandemic-related uncertainties. This year, we circled back with many of these same executives to get their take on how things went and what's ahead given the changing economic landscape. By Cheryl Winokur Munk independentbanker.org Q 39http://www.independentbanker.org