Table 7.1 presents the components of premises and equipment.

Table 7.1: Premises and Equipment
(in millions)Dec 31,
2021
Dec 31,
2020
Land$1,759 1,808 
Buildings9,442 9,504 
Furniture and equipment7,420 7,449 
Leasehold improvements2,597 2,597 
Finance lease ROU assets
32 32 
Total premises and equipment21,250 21,390 
Less: Accumulated depreciation and amortization
12,679 12,495 
Net book value, premises and equipment$8,571 8,895 
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Historical Timeline

Fiscal YearFiled
2021Feb 22, 2022Showing above
2020Feb 23, 2021
2018Feb 27, 2019

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.