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PREMISES AND EQUIPMENT
12 Months Ended
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