Depreciation and amortization are computed using the following estimated lives: 
 Years
Bank premises
31
Furniture, fixtures, and equipment
3 - 15
Leasehold improvements
3 - 10
Software
1 - 10
The following is a summary of the major categories of premises and equipment:
 December 31,
 20252024
 (in millions)
Bank premises$138 $96 
Construction in progress75 62 
Furniture, fixtures, and equipment129 125 
Land and improvements44 32 
Leasehold improvements104 98 
Software310 225 
Total800 638 
Accumulated depreciation and amortization(358)(277)
Premises and equipment, net$442 $361 

Historical Timeline

Fiscal YearFiled
2025Feb 23, 2026Showing above
2024Feb 25, 2025
2023Feb 28, 2024
2022Feb 23, 2023
2021Feb 25, 2022
2020Feb 25, 2021
2019Mar 2, 2020
2018Mar 1, 2019
2017Feb 26, 2018
2016Feb 28, 2017
2015Feb 16, 2016

About PP&E Disclosures

The PP&E disclosure details a company's physical asset base — land, buildings, machinery, and equipment — along with the depreciation methods and useful life assumptions that determine how these costs flow through the income statement. Capitalization policy thresholds reveal management's judgment on the boundary between expense and asset, directly affecting both reported earnings and asset values.

Key signals: changes in estimated useful lives or depreciation methods can materially shift reported earnings without any operational change. Compare capital expenditures against depreciation expense — when capex consistently trails depreciation, the asset base may be aging and underinvested. Watch for large asset impairments or write-downs that signal overvalued carrying amounts. Asset retirement obligations reveal future environmental or decommissioning costs that are often underappreciated. Compare PP&E intensity (PP&E-to-revenue) against industry peers to assess capital efficiency and competitive positioning.