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OTHER REAL ESTATE OWNED
 12 Months Ended
Dec. 31, 2020
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)202020192018
Balance at beginning of year$— $672 $1,796 
Additions1,116 276 672 
Sales and net direct write-downs(1,116)(803)(2,038)
Net change in valuation allowance— (145)242 
Balance at end of year$— $— $672 

The following table presents the activity in the other real estate owned valuation allowance for the periods indicated:
Year Ended December 31,
($ in thousands)202020192018
Balance at beginning of year$— $— $242 
Additions— 145 143 
Recoveries— — (90)
Net direct write-downs and removals from sale— (145)(295)
Balance at end of year$— $— $— 

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)202020192018
Net (loss) gain on sales$(38)$40 $(13)
Operating expenses, net of rental income— — (134)
Total$(38)$40 $(147)

We did not provide loans to finance the purchase of our OREO properties during the years ended December 31, 2020, 2019 or 2018.