The bank has nothing to do with your transaction of selling the car whether you have gain or loss.

The amount due to the bank is only 97, 222.22 unless otherwise the bank will ask you to pay some charges due to pretermination of your loan contract with them.

Principal: 100,000/ 36 mos = 2,777.78
Interest : 10,000 / 36 mos = 277.77
................ ---------
Monthly amortization 3,055.55

Principal Amount 100,000
Add: Interest 1st mo. 277.77
................ ---------
Total ................ 100,277.77
Less: 1st mo payment .... 3,055.55
................ ---------
Loan balance............... 97,222.22