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PREMISES AND EQUIPMENT
12 Months Ended
Dec. 31, 2020
PREMISES AND EQUIPMENT  
PREMISES AND EQUIPMENT

NOTE E:  PREMISES AND EQUIPMENT

Premises and equipment consist of the following at December 31:

(000’s omitted)

    

2020

    

2019

Land and land improvements

$

29,070

$

26,301

Bank premises

 

149,217

 

141,905

Equipment and construction in progress

 

99,239

 

89,819

Operating lease right-of-use assets

 

34,908

 

39,895

Premises and equipment, gross

 

312,434

 

297,920

Accumulated depreciation

 

(146,779)

 

(133,282)

Premises and equipment, net

$

165,655

$

164,638