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Yampa Valley Bank
                600 South Lincoln Avenue
                Steamboat Springs, CO  80477
                FDIC Certificate #: 35407      Bank Charter Class: NM

                                                                                                      Yampa Valley
                                                                               Yampa Valley Bank          Bank
                Definition             Dollar figures in thousands              Steamboat Spring,   Steamboat Spring,
                                                                                       CO                  CO
                                                                                December 31, 2016
                                                                                                   December 31, 2015
                          Net Loans and Leases
                        1  Net loans and leases                                             182,767           153,987
                           Plus: Loan Loss Allowance                                          3,495             3,404
                        2
                             Total loans & leases                                           186,262           157,391
                        3
                              Plus: Unearned income                                            361                337
                        4
                                Loans and leases, gross                                     186,623           157,728
                        5
                                   All real estate loans                                    152,914           123,444
                        6
                                    Secured by real estate loans in domestic                152,914           123,444
                        7
                          offices:
                                       Construction and land development                     30,412            23,758
                        8
                                          1-4 family residential construction                12,175             8,133
                        9
                                          Other construction, all land development           18,237            15,625
                       10
                          and other land
                                       Commercial real estate                                59,172            44,269
                       11
                                          Commercial real estate owner-occupied              28,304            26,639
                       12
                                          Other non-farm non-residential                     30,868            17,630
                       13
                                       Multifamily residential real estate                    1,633             1,440
                       14
                                                                                             54,504            45,924
                       15              1-4 family residential
                                       Farmland                                               7,193             8,053
                       16
                                    Real estate loans in foreign offices:                      N/A                N/A
                       17
                                   Farm loans                                                 3,645             3,666
                       18
                                   Commercial and industrial loans                           24,614            25,282
                       19
                                       To non-U.S. addressees                                  N/A                N/A
                       20
                                   Loans to individuals                                       5,450             5,336
                       21
                                       Credit cards                                               0                 0
                       22
                                       Other revolving credit plans                            194                254
                       23
                                       Automobile loans                                       1,104             1,320
                       24
                                       Other loans to individuals                             4,152             3,762
                       25
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