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PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2019
PREMISES AND EQUIPMENT  
PREMISES AND EQUIPMENT

NOTE F - PREMISES AND EQUIPMENT

Premises and equipment owned and utilized in the operations of the Company are stated at cost, less accumulated depreciation and amortization as follows:

 

 

 

 

 

 

 

($ in thousands)

    

2019

    

2018

Premises:

 

 

  

 

 

  

Land

 

$

30,094

 

$

26,305

Buildings and improvements

 

 

63,346

 

 

48,998

Equipment

 

 

22,394

 

 

19,005

Construction in progress

 

 

6,258

 

 

666

 

 

 

122,092

 

 

94,974

Less accumulated depreciation and amortization

 

 

23,634

 

 

20,191

 

 

$

98,458

 

$

74,783

 

The amounts charged to operating expense for depreciation were $3.8 million, $2.6 million and $2.0 million in 2019, 2018 and 2017, respectively.