DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2023

DEPOSITS

Schedule of deposits

Deposits recorded in the consolidated statements of condition consist of the following at December 31:

(000’s omitted)	2023		2022
Noninterest checking	$	3,638,527	$	4,140,617
Interest checking		2,900,003		3,231,096
Savings		2,276,523		2,433,922
Money market		2,392,605		2,299,965
Time		1,720,463		906,708
Total deposits	$	12,928,121	$	13,012,308

Schedule of interest on deposits

Interest on deposits recorded in the consolidated statements of income consists of the following for the years ended December 31:

(000’s omitted)	2023		2022		2021
Interest on interest checking	$	12,950	$	3,340	$	1,142
Interest on savings		5,970		671		598
Interest on money market		33,709		4,019		1,393
Interest on time		32,708		7,014		8,498
Total interest on deposits	$	85,337	$	15,044	$	11,631

Schedule of maturities of time deposits

The approximate maturities of time deposits at December 31, 2023 are as follows:

			Accounts $250,000
(000’s omitted)	All Accounts		or Greater
2024	$	1,379,783	$	315,497
2025		281,122		131,153
2026		26,212		263
2027		17,295		789
2028		16,040		287
Thereafter		11		0
Total	$	1,720,463	$	447,989