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OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2020
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)202020192018
Balance at beginning of year$— $672 $1,796 
Additions1,116 276 672 
Sales and net direct write-downs(1,116)(803)(2,038)
Net change in valuation allowance— (145)242 
Balance at end of year$— $— $672 
Activities in Other Real Estate Owned Valuation Allowance
The following table presents the activity in the other real estate owned valuation allowance for the periods indicated:
Year Ended December 31,
($ in thousands)202020192018
Balance at beginning of year$— $— $242 
Additions— 145 143 
Recoveries— — (90)
Net direct write-downs and removals from sale— (145)(295)
Balance at end of year$— $— $— 
Expenses Related to Foreclosed Assets Included in Loan Servicing and Foreclosure Expenses
The following table presents expenses related to foreclosed assets included in all other expense on the consolidated statements of operations for the periods indicated:
Year Ended December 31,
($ in thousands)202020192018
Net (loss) gain on sales$(38)$40 $(13)
Operating expenses, net of rental income— — (134)
Total$(38)$40 $(147)