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INCOME TAXES - Effective Tax Rate Reconciliation (Details)
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Effective tax rate reconciliation      
Federal statutory income tax rate 21.00% 21.00% 21.00%
Increase (reduction) in taxes resulting from      
Tax-exempt interest (1.30%) (1.10%) (1.50%)
State income taxes, net of federal benefit 3.30% 3.60% 3.00%
Stock-based compensation (0.30%) (0.90%) (0.80%)
Federal tax credits (1.00%) (1.00%) (1.30%)
Other, net (0.00%) (0.20%) (0.30%)
Effective income tax rate 21.70% 21.40% 20.10%