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INCOME TAXES, Provision for Income Taxes Reconciliation (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Dec. 31, 2019 | Sep. 30, 2019 | Jun. 30, 2019 | Mar. 31, 2019 | Dec. 31, 2018 | Sep. 30, 2018 | Jun. 30, 2018 | Mar. 31, 2018 | Dec. 31, 2019 | Dec. 31, 2018 | Dec. 31, 2017
Provision for income taxes reconciliation [Abstract] |  |  |  |  |  |  |  |  |  |  |
Provision at statutory rates on pre-tax income |  |  |  |  |  |  |  |  | $ 4,895 | $ 4,502 | $ 6,505
Effect of tax-exempt income |  |  |  |  |  |  |  |  | (920) | (955) | (1,710)
Low income housing tax credits |  |  |  |  |  |  |  |  | (141) | (141) | (141)
Bank owned life insurance |  |  |  |  |  |  |  |  | (131) | (131) | (225)
Nondeductible interest |  |  |  |  |  |  |  |  | 52 | 41 | 54
Nondeductible merger and acquisition expenses |  |  |  |  |  |  |  |  | 38 | 0 | 0
Change in tax rate |  |  |  |  |  |  |  |  | 0 | 0 | 1,531
Other items |  |  |  |  |  |  |  |  | 27 | 87 | 17
Provision for income taxes | $ 1,003 | $ 1,066 | $ 930 | $ 821 | $ 845 | $ 936 | $ 875 | $ 747 | $ 3,820 | $ 3,403 | $ 6,031
Statutory tax rates |  |  |  |  |  |  |  |  | 21.00% | 21.00% | 35.00%
Effective tax rates |  |  |  |  |  |  |  |  | 16.40% | 15.90% | 31.60%

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- Definition The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to the increase in cash surrender value of life insurance. + References No definition available. + Details
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- Definition The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to nondeductible expenses under enacted tax laws, or differences in the methodologies used to determine expense amounts for financial statements prepared in accordance with generally accepted accounting principles, related to interest expense. + References No definition available. + Details
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