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OTHER REAL ESTATE OWNED
12 Months Ended
Dec. 31, 2015
Real Estate [Abstract]  
OTHER REAL ESTATE OWNED
OTHER REAL ESTATE OWNED

Other real estate owned includes property acquired through foreclosure or deed-in-lieu of foreclosure and also includes property deemed to be in-substance foreclosed and are included in other assets in the consolidated balance sheets.  Changes in other real estate owned were as follows (in thousands):
 
2015
 
2014
Balance, beginning of year
$
1,370

 
1,463

Additions
99

 
480

Additions due to merger

 
262

Reductions due to sales
(205
)
 
(735
)
Reductions due to valuation write downs
(418
)
 
(100
)
Balance, end of year
$
846

 
1,370



Other real estate owned at December 31 consisted of (in thousands):
 
2015
 
2014
Commercial real estate
$
846

 
1,265

Residential real estate

 
105

 
$
846

 
1,370



The total recorded investment in residential consumer mortgage loans secured by residential real estate that was in the process of foreclosure at December 31, 2015 was $260,000.