Annual report pursuant to Section 13 and 15(d)

PREMISES AND EQUIPMENT

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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) 2021 2020
Land and land improvements $ 335  $ 198 
Buildings 807  586 
Leasehold improvements 219  203 
Equipment 852  736 
Total premises and equipment 2,213  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) 2021 2020 2019
Total depreciation and amortization of premises and equipment $ 178  $ 119  $ 116 
Rental income credited to net occupancy expense 9  10  11