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OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2018
Real Estate Owned, Disclosure of Detailed Components [Abstract]  
Schedule of Real Estate Owned
The following table presents the activity in other real estate owned for the periods indicated:
 
 
Year Ended December 31,
($ in thousands)
 
2018
 
2017
 
2016
Balance at beginning of year
 
$
1,796

 
$
2,502

 
$
1,097

Additions
 
672

 
3,086

 
3,269

Sales and net direct write-downs
 
(2,038
)
 
(3,556
)
 
(1,833
)
Net change in valuation allowance
 
242

 
(236
)
 
(31
)
Balance at end of year
 
$
672

 
$
1,796

 
$
2,502
Activities in Other Real Estate Owned Valuation Allowance
The following table presents the activity in the other real estate owned valuation allowance for the periods indicated:
 
 
Year Ended December 31,
($ in thousands)
 
2018
 
2017
 
2016
Balance at beginning of year
 
$
242

 
$
6

 
$
70

Additions
 
143

 
242

 
31

Recoveries
 
(90
)
 
—

 
—

Net direct write-downs and removals from sale
 
(295
)
 
(6
)
 
(95
)
Balance at end of year
 
$
—

 
$
242

 
$
6
Expenses Related to Foreclosed Assets Included in Loan Servicing and Foreclosure Expenses
The following table presents expenses related to foreclosed assets included in All Other Expense on the Consolidated Statements of Operations for the periods indicated:
 
 
Year Ended December 31,
($ in thousands)
 
2018
 
2017
 
2016
Net loss on sales
 
$
(13
)
 
$
(48
)
 
$
(96
)
Operating expenses, net of rental income
 
(134
)
 
(51
)
 
(108
)
Total
 
$
(147
)
 
$
(99
)
 
$
(204
)