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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2022

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of The contract amounts of commitments and contingencies

The contract amounts of commitments and contingencies are as follows at December 31:

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​	​	​	​	​	​	​
​		​		​	​
(000’s omitted)		2022			2021
Commitments to extend credit	​	$	1,486,791	​	$	1,443,879
Standby letters of credit	​		57,347	​		42,684
Total	​	$	1,544,138	​	$	1,486,563

​

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