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STOCK-BASED COMPENSATION PLANS (Tables)
 9 Months Ended
Sep. 30, 2014
STOCK BASED COMPENSATION PLANS  
Schedule of assumptions used in valuation of fair value of options

                                                                                                                                                                                    

Assumptions

 

 

 

Expected term (years)

 

 
3.0 

 

Risk-free interest rate

 

 
0.94 

%

Expected dividend yield

 

 
3.78 

%

Expected volatility

 

 
9.37 

%

Expected forfeiture rate

 

 
1.0 

%