JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN

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Plan General Information

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Total Retirement Plan Assets

At the end of 2000, the total retirement plan assets of JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is $758,559.00.This plan was established in 1994.

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Total Number of Retirement Plan Participants

At the end of 2000, the total number of retirement plan participants in JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is 209

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Average Participant Retirement Account Value

In 2000, the average participant retirement account value for JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is $3,629.00

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Estimated Average Employee Contribution Amount

In 2000, the estimated average employee contribution amount per participant for JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is $1,205.00.

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Estimated Average Employer Match

In 2000, the estimated average employer match for an employee in JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is approximately $120.00
Investing in this additonal $120.00 for 20 years would give you extra $7,712.00, assuming a 10% annual return.

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Total Employer Contribution and Match Rate

In 2000, JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN allocates $25,186.00 to match its employees' contributions, providing an employer match rate of 20.00% of their contributions

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Total Retirement Plan Asset Growth Rate

In 2000, the total retirement plan asset growth rate of JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is 26.47%.

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Estimated Aggregate Retirement Account Investment Gain/Loss

In 2000, the estimated aggregate retirement account investment gain/loss for JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is 6.89%. This measures the effectiveness of the plan participants' investments in the year.

JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN Expense Ratio

In 2000, the investment and administrative expense ratio of JEFF DAVIS BANK & TRUST COMPANY EMPLOYEE STOCK OWNERSHIP PLAN is 2.03%.

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