DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2019

DEPOSITS [Abstract]

Deposits

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

(000’s omitted)	2019		2018
Noninterest checking	$	2,465,902	$	2,312,816
Interest checking		2,138,348		1,920,545
Savings		1,538,203		1,448,208
Money market		1,916,385		1,901,262
Time		936,129		739,540
Total deposits	$	8,994,967	$	8,322,371

Interest on Deposits

Interest on deposits recorded in the consolidated statements of income consists of the following at December 31:

(000’s omitted)	2019		2018		2017
Interest on interest checking	$	3,678	$	1,796	$	1,032
Interest on savings		942		858		841
Interest on money market		5,836		3,638		2,981
Interest on time		10,004		4,366		3,177
Total interest on deposits	$	20,460	$	10,658	$	8,031

Maturities of Time Deposits

The approximate maturities of time deposits at December 31, 2019 are as follows:

(000’s omitted)	All Accounts		Accounts $250,000 or Greater
2020	$	505,008	$	73,893
2021		162,729		23,356
2022		84,028		7,297
2023		87,907		5,719
2024		96,439		20,252
Thereafter		18		0
Total	$	936,129	$	130,517