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STOCK-BASED COMPENSATION (Tables)
 12 Months Ended
Dec. 31, 2024
STOCK-BASED COMPENSATION [Abstract]  
Restricted Stock Activity Under Omnibus Plan [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following
 
table summarizes
 
the restricted
 
stock activity
 
under the
 
Omnibus Plan
 
during the
 
years ended December
 
31, 2024,
2023 and 2022:
Year Ended December 31,
2024
2023
2022
Number of
Weighted-
Number of
Weighted-
Number of
Weighted-
shares of
Average
shares of
Average
shares of
Average
restricted
Grant Date
restricted
Grant Date
restricted
Grant Date
stock
 
Fair Value
stock
 
Fair Value
stock
 
Fair Value
Unvested shares outstanding at beginning of year
889,642
$
12.30
938,491
$
9.14
1,148,775
$
6.61
Granted
(1)
415,577
17.50
522,801
12.07
327,195
13.21
Forfeited
(14,896)
14.07
(63,133)
11.36
(15,108)
8.79
Vested
(282,702)
12.40
(508,517)
6.36
(522,371)
6.13
Unvested shares outstanding at end of year
1,007,621
$
14.39
889,642
$
12.30
938,491
$
9.14
(1)
For the
 
year ended
 
December 31,
 
2024, includes
18,509
 
shares of
 
restricted stock
 
awarded to
 
independent directors
 
and
397,068
 
shares of
 
restricted stock
 
awarded to
 
employees, of
which
84,122
 
shares were
 
granted to retirement-eligible
 
employees and thus
 
charged to
 
earnings as of
 
the grant date.
 
For the year
 
ended December 31,
 
2023, includes
28,973
 
shares of
restricted stock awarded to independent directors
 
and
494,008
 
shares of restricted stock awarded to employees,
 
of which
33,718
 
shares were granted to retirement-eligible
 
employees and
thus charged
 
to earnings as
 
of the grant
 
date. For the
 
year ended December
 
31, 2022, includes
27,529
 
shares of restricted
 
stock awarded to
 
independent directors and
299,666
 
shares of
restricted stock awarded to employees, of which
6,084
 
shares were granted to retirement-eligible employees and thus
 
charged to earnings as of the grant date.
Summary Of Performance Units Activity [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Year Ended
 
December 31,
2024
2023
2022
Number
 
Weighted-
Number
 
Weighted-
Number
 
Weighted-
of
Average
of
Average
of
Average
Performance
Grant Date
Performance
Grant Date
Performance
Grant Date
Units
Fair Value
Units
Fair Value
Units
Fair Value
Performance units at beginning of year
534,261
$
12.25
791,923
$
7.36
814,899
$
7.06
Additions
(1)
165,487
18.39
216,876
12.24
166,669
13.15
Vested
(2)
(150,716)
11.26
(474,538)
4.08
(189,645)
11.16
Performance units at end of year
549,032
$
14.37
534,261
$
12.25
791,923
$
7.36
(1)
Units granted during
 
2024 and 2023
 
are based on
 
the achievement of
 
the Relative TSR
 
and TBVPS performance
 
goals during a
 
three-year performance
 
cycle beginning January
 
1, 2024
and January
 
1, 2023,
 
respectively,
 
and ending
 
on December
 
31, 2026
 
and December
 
31, 2025,
 
respectively.
 
Units granted
 
during 2022
 
are subject
 
to the
 
achievement of
 
the TBVPS
performance goal during a three-year performance cycle beginning
 
January 1, 2022 and ending on December 31, 2024.
(2)
Units vested during 2024, 2023 and
 
2022 are related to performance units granted
 
in 2021, 2020 and 2019, respectively,
 
that met the pre-established targets
 
and were settled with shares of
common stock reissued from treasury shares.
Summary Of Valuation Assumptions [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following
 
table summarizes
 
the valuation
 
assumptions used
 
to calculate
 
the fair
 
value of
 
the Relative
 
TSR component
 
of the
performance units granted under the Omnibus Plan during the years ended
 
December 31, 2024 and 2023:
Year
 
Ended December 31,
2024
2023
Risk-free interest rate
(1)
4.41
%
3.98
%
Correlation coefficient
73.80
77.16
Expected dividend yield
(2)
-
-
Expected volatility
(3)
34.65
41.37
Expected life (in years)
2.78
2.79
(1)
Based on the yield on zero-coupon U.S. Treasury
 
Separate Trading of Registered Interest and
 
Principal of Securities as of the grant date for a period equal to the simulation
 
term.
(2)
Assumes that dividends are reinvested at each ex-dividend date.
(3)
Calculated based on the historical volatility of the Corporation's
 
stock price with a look-back period equal to the simulation term
 
using daily stock prices.