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OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
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
)