BANK PREMISES AND EQUIPMENT

12 Months Ended

Dec. 31, 2012

8. BANK PREMISES AND EQUIPMENT

Bank premises and equipment consisted of the following (in thousands):


	December 31
	2012			2011
Land	$	45,578		$	44,855
Buildings and leasehold improvements		295,147			284,843
Equipment		121,979			105,244
Software		105,284			96,047

		567,988			530,989
Accumulated depreciation		(237,054	)		(223,884	)
Accumulated amortization		(86,334	)		(79,169	)

Bank premises and equipment, net	$	244,600		$	227,936

Consolidated rental and operating lease expenses were $10.8 million in 2012, $10.1 million in 2011, and $8.7 million in 2010. Consolidated bank premises and equipment depreciation and amortization expenses were $26.1 million in 2012, $26.8 million in 2011, and $28.2 million in 2010.

Minimum future rental commitments as of December 31, 2012, for all non-cancelable operating leases are as follows (in thousands):


2013	$	8,215
2014		7,487
2015		7,000
2016		6,396
2017		6,302
Thereafter		29,996

Total	$	65,396

- Definition

The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.

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