OTHER REAL ESTATE OWNED (Tables)

12 Months Ended

Dec. 31, 2019

OTHER REAL ESTATE OWNED

Schedule Of Real Estate Owned Properties

The following table explains changes in other real estate owned (“OREO”) during the years ended December 31, 2019 and 2018 (dollars in thousands):

	December 31,		December 31,
	2019		2018
	(Dollars in thousands)
Beginning balance January 1	$	1,088	$	1,258
Sales		(120)		(717)
Write-downs and loss on sales		(49)		(71)
Transfers		2,614		618
Ending balance	$	3,533	$	1,088