9 CLEVER WAYS TO STREAMLINE EXPENSES PAGE 18 AUGUST 2023 independentbanker.org EXECUTIVE COMPENSATION: DEFERRED COMPENSATION CECL, deposits and rising rates Community bank CFOs sound off Deposit swapping networks An option for your community bank? PERFORMANCE-BASED VESTING SERPS & REBAS RESTRICTED STOCK PHANTOM STOCK ONE-TIME BONUSES PAGE 36 CMS testing Build a watertight compliance system MEMBER MILESTONES: THIS YEAR'S BIG ANNIVERSARIES PAGE 48http://www.independentbanker.org