COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 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:

	March 31,		December 31,
(000’s omitted)	2022		2021
Commitments to extend credit	$	1,502,768	$	1,443,879
Standby letters of credit		42,190		42,684
Total	$	1,544,958	$	1,486,563