Annual report pursuant to Section 13 and 15(d)

EMPLOYEE BENEFITS AND STOCK BASED COMPENSATION (Estimated Stock Option on the Date of Grant Fair Value) (Details)

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EMPLOYEE BENEFITS AND STOCK BASED COMPENSATION (Estimated Stock Option on the Date of Grant Fair Value) (Details)
 12 Months Ended
Dec. 31, 2015
Estimated stock option on the date of grant fair value  
Dividend yield 3.12% [1]
Expected life in years 2 years 8 months 12 days [2]
Expected volatility 21.50% [3]
Risk-free interest rate 0.75% [4]
[1] Calculated as the ratio of the current dividend paid per the stock price on the date of grant.
[2] Represents the remaining performance period as of the grant date
[3] Based on the historical volatility for the period commensurate with the expected life of the PSUs.
[4] Based upon the zero-coupon U.S. Treasury rate commensurate with the expected life of the PSUs on the grant date.