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PREMISES AND EQUIPMENT | 12 Months Ended
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Dec. 31, 2021
PREMISES AND EQUIPMENT |
PREMISES AND EQUIPMENT | NOTE E: PREMISES AND EQUIPMENT Premises and equipment consist of the following at December 31: ​
​ | ​ | ​ | ​ | ​ | ​ | ​
(000’s omitted) |  | 2021 |  | 2020
Land and land improvements | ​ | $ | 31,884 | ​ | $ | 29,070
Bank premises | ​ |  | 151,724 | ​ |  | 149,217
Equipment | ​ |  | 85,391 | ​ |  | 93,013
Operating lease right-of-use assets | ​ |  | 31,754 | ​ |  | 34,908
Construction in progress | ​ | ​ | 4,786 | ​ | ​ | 6,226
Premises and equipment, gross | ​ |  | 305,539 | ​ |  | 312,434
Accumulated depreciation | ​ |  | (144,888) | ​ |  | (146,779)
Premises and equipment, net | ​ | $ | 160,651 | ​ | $ | 165,655
​

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