Mountain Commerce Bancorp, Inc. (MCBI)

Mountain Commerce Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	84.01	82.57	72.67	52.88	44.25
Interest Income on Investments	7.84	9.51	9.67	6.27	3.22
Total Interest Income	91.84	92.09	82.34	59.15	47.47
Interest Paid on Deposits	49.29	54.93	41.05	8.05	2.42
Interest Paid on Borrowings	3.6	5.61	8.47	2.61	1.47
Total Interest Expense	52.89	60.54	49.52	10.66	3.89
Net Interest Income	38.95	31.55	32.82	48.49	43.58
Net Interest Income Growth (YoY)	23.48%	-3.88%	-32.32%	11.26%	22.96%
Trust Income	0.9	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	-0.13	0.04	-1.55	-1.73	0.08
Gain (Loss) on Sale of Equity Investments	0.35	-	-	0.47	-
Other Non-Interest Income	0.66	0.3	0.77	0.23	0.21
Total Non-Interest Income	3.34	2.75	1.2	1.17	2.59
Non-Interest Income Growth (YoY)	21.75%	129.13%	2.04%	-54.71%	9.04%
Revenues Before Loan Losses	42.29	34.29	34.02	49.66	46.18
Provision for Loan Losses	0.74	-1.77	1	2.21	-2.63
Revenue	41.55	36.06	33.02	47.45	48.8
Revenue Growth (YoY)	15.22%	9.22%	-30.42%	-2.76%	60.95%
Salaries and Employee Benefits	14.01	11.91	13.27	13.35	10.71
Federal Deposit Insurance	1.4	1.45	1.19	0.68	0.5
Selling, General & Administrative	10.36	9.8	8.46	6.95	5.63
Other Non-Interest Expense	1.47	1.38	1.38	2.65	1.52
Total Non-Interest Expense	27.27	24.54	24.3	23.63	18.43
EBT Excluding Unusual Items	14.28	11.53	8.72	23.83	30.37
Pretax Income	14.03	11.53	8.72	23.83	30.37
Income Tax Expense	2.84	2.6	1.81	5.39	6.75
Net Income	11.19	8.92	6.91	18.44	23.62
Preferred Dividends & Other Adjustments	-	-	-	-	0.2
Net Income to Common	11.19	8.92	6.91	18.44	23.42
Net Income Growth	25.37%	29.06%	-62.51%	-21.94%	132.27%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	0.18%	0.55%	0.19%	-0.35%	-0.30%
EPS (Basic)	1.78	1.42	1.11	2.97	3.75
EPS (Diluted)	1.78	1.42	1.11	2.96	3.75
EPS Growth	25.35%	28.07%	-62.54%	-21.07%	131.48%
Dividend Per Share	0.260	0.230	0.640	0.610	0.530
Dividend Growth	13.04%	-64.06%	4.92%	15.09%	-
Effective Tax Rate	20.25%	22.58%	20.72%	22.61%	22.22%

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