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OTHER REAL ESTATE OWNED (Tables) | 12 Months Ended
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Dec. 31, 2019
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) |  | 2019 |  | 2018 |  | 2017
Balance at beginning of year |  | $ | 672 |  |  | $ | 1,796 |  |  | $ | 2,502 |
Additions |  | 276 |  |  | 672 |  |  | 3,086 |
Sales and net direct write-downs |  | (803 | ) |  | (2,038 | ) |  | (3,556 | )
Net change in valuation allowance |  | (145 | ) |  | 242 |  |  | (236 | )
Balance at end of year |  | $ | — |  |  | $ | 672 |  |  | $ | 1,796 |
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) |  | 2019 |  | 2018 |  | 2017
Balance at beginning of year |  | $ | — |  |  | $ | 242 |  |  | $ | 6 |
Additions |  | 145 |  |  | 143 |  |  | 242 |
Recoveries |  | — |  |  | (90 | ) |  | — |
Net direct write-downs and removals from sale |  | (145 | ) |  | (295 | ) |  | (6 | )
Balance at end of year |  | $ | — |  |  | $ | — |  |  | $ | 242 |
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) |  | 2019 |  | 2018 |  | 2017
Net loss on sales |  | $ | 40 |  |  | $ | (13 | ) |  | $ | (48 | )
Operating expenses, net of rental income |  | — |  |  | (134 | ) |  | (51 | )
Total |  | $ | 40 |  |  | $ | (147 | ) |  | $ | (99 | )

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- Definition Tabular disclosure of the change in the valuation allowance for other real estate owned. + References No definition available. + Details
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