Company: CMA
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000028412-25-000108
Chunk: 556

Company: COMERICA INC
Filing Date: 2025-02-24
Form: 10-K
Item: Item 16
Chunk 556
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$28 $75 Real estate construction:Other business lines (a)2 — 2 Commercial mortgage:Commercial Real Estate business line (b)— 18 18 Other business lines (a)17 6 23 Total commercial mortgage17 24 41 International3 17 20 Total business loans69 69 138 Retail loans:Residential mortgage19 — 19 Consumer:Home equity21 — 21 Total consumer21 — 21 Total retail loans40 — 40 Total nonaccrual loans$109 $69 $178 (a)Primarily loans secured by owner-occupied real estate.(b)Primarily loans to real estate developers. Foreclosed PropertiesForeclosed properties were insignificant at December 31, 2024 and December 31, 2023. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were $4 million at December 31, 2024 and insignificant at December 31, 2023.

F-66

Table of ContentsNOTES TO CONSOLIDATED FINANCIAL STATEMENTSComerica Incorporated and Subsidiaries

Loan Modifications Made to Borrowers Experiencing Financial Difficulty The following table displays the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were restructured, by type of modification. (in millions)Term Extension (a)Payment Delay (a)Interest Rate ReductionCombinations (b)TotalPercent of Total Class Year Ended December 31, 2024Business loans:Commercial$199 $— $— $28 $227 0.86 %Commercial mortgage:Other business lines (c)40 — — — 40 0.47 Total commercial mortgage40 — — — 40 0.27 International1 — — 4 5 0.54 Total business loans240 — — 32 272 0.59 Retail loans:Residential mortgage5 — — — 5 0.26 Consumer:Home equity— 3 5 2 10 0.58 Total consumer— 3 5 2 10 0.46 Total retail loans5 3 5 2 15 0.37 Total loans$245 $3 $5 $34 $287 0.57 %Year