Mountain Commerce Bancorp, Inc. (MCBI)

Mountain Commerce Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	83.9	82.57	72.67	52.88	44.25	41.98
Interest Income on Investments	8.1	9.51	9.67	6.27	3.22	2.27
Total Interest Income	92	92.09	82.34	59.15	47.47	44.25
Interest Paid on Deposits	50.3	54.93	41.05	8.05	2.42	7.54
Interest Paid on Borrowings	3.97	5.61	8.47	2.61	1.47	1.27
Total Interest Expense	54.27	60.54	49.52	10.66	3.89	8.8
Net Interest Income	37.73	31.55	32.82	48.49	43.58	35.44
Net Interest Income Growth (YoY)	25.56%	-3.88%	-32.32%	11.26%	22.96%	23.63%
Trust Income	0.88	0.81	0.66	0.7	0.64	-
Gain (Loss) on Sale of Assets	0.01	0.03	-0.25	-	-	-
Gain (Loss) on Sale of Investments	-0.2	0.04	-1.55	-1.73	0.08	0.11
Gain (Loss) on Sale of Equity Investments	0.35	-	-	0.47	-	-
Other Non-Interest Income	0.63	0.3	0.77	0.23	0.21	1.64
Total Non-Interest Income	3.2	2.75	1.2	1.17	2.59	2.38
Non-Interest Income Growth (YoY)	47.19%	129.13%	2.04%	-54.71%	9.04%	-12.97%
Revenues Before Loan Losses	40.93	34.29	34.02	49.66	46.18	37.82
Provision for Loan Losses	0.65	-1.77	1	2.21	-2.63	7.5
Revenue	40.28	36.06	33.02	47.45	48.8	30.32
Revenue Growth (YoY)	21.73%	9.22%	-30.42%	-2.76%	60.95%	-5.07%
Salaries and Employee Benefits	13.47	11.91	13.27	13.35	10.71	9.57
Federal Deposit Insurance	1.4	1.45	1.19	0.68	0.5	0.43
Selling, General & Administrative	10.01	9.8	8.46	6.95	5.63	4.83
Other Non-Interest Expense	1.38	1.38	1.38	2.65	1.52	1.59
Total Non-Interest Expense	26.28	24.54	24.3	23.63	18.43	16.74
EBT Excluding Unusual Items	14.01	11.53	8.72	23.83	30.37	13.58
Asset Writedown	-	-	-	-	-	-0.5
Pretax Income	14.01	11.53	8.72	23.83	30.37	13.08
Income Tax Expense	3.03	2.6	1.81	5.39	6.75	2.91
Net Income	10.98	8.92	6.91	18.44	23.62	10.17
Preferred Dividends & Other Adjustments	-	-	-	-	0.2	-
Net Income to Common	10.98	8.92	6.91	18.44	23.42	10.17
Net Income Growth	70.06%	29.06%	-62.51%	-21.94%	132.27%	-17.68%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.41%	0.55%	0.19%	-0.35%	-0.30%	-0.48%
EPS (Basic)	1.75	1.42	1.11	2.97	3.75	1.62
EPS (Diluted)	1.74	1.42	1.11	2.96	3.75	1.62
EPS Growth	68.75%	28.07%	-62.54%	-21.07%	131.48%	-17.35%
Dividend Per Share	0.240	0.230	0.640	0.610	0.530	-
Dividend Growth	-29.41%	-64.06%	4.92%	15.09%	-	-
Effective Tax Rate	21.64%	22.58%	20.72%	22.61%	22.22%	22.26%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.