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OTHER REAL ESTATE OWNED
 12 Months Ended
Dec. 31, 2019
Real Estate Owned, Disclosure of Detailed Components [Abstract]  
OTHER REAL ESTATE OWNED OTHER 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


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


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
)

We did not provide loans to finance the purchase of our OREO properties during the years ended December 31, 2019, 2018 or 2017.