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PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2021
Property, Plant and Equipment [Abstract]  
PREMISES AND EQUIPMENT PREMISES AND EQUIPMENT
Premises and equipment were comprised of the following at December 31, 2021 and 2020:
 At December 31,
(dollar amounts in millions)20212020
Land and land improvements$335 $198 
Buildings807 586 
Leasehold improvements219 203 
Equipment852 736 
Total premises and equipment2,213 1,723 
Less accumulated depreciation and amortization(1,049)(966)
Net premises and equipment$1,164 $757 
Depreciation and amortization charged to expense and rental income credited to net occupancy expense for the three years ended December 31, 2021, 2020, and 2019 were:
(dollar amounts in millions)202120202019
Total depreciation and amortization of premises and equipment$178 $119 $116 
Rental income credited to net occupancy expense9 10 11