Company: CMA
Filing Date: 2025-07-30
Form Type: 10-Q
Source: 0000028412-25-000197
Chunk: 64

Company: COMERICA INC
Filing Date: 2025-07-30
Form: 10-Q
Item: Part I, Item 1
Chunk 64
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     Criticized (b)— — — — — — 28 6 34 Total home equity— — — — — 5 1,709 88 1,802 Other consumer    Pass (a)30 10 28 7 6 41 345 — 467     Criticized (b)— — 2 — — — — — 2 Total other consumer30 10 30 7 6 41 345 — 469 Other consumer gross charge-offs1 — — — — 1 — — 2 Total consumer30 10 30 7 6 46 2,054 88 2,271 Total retail loans216 247 308 358 425 504 2,054 88 4,200 Total loans$5,793 $5,339 $8,236 $5,038 $2,296 $4,510 $19,222 $105 $50,539 (a)Includes all loans not included in the categories of special mention, substandard or nonaccrual. (b)Includes loans with an internal rating of special mention, substandard loans for which the accrual of interest has not been discontinued and nonaccrual loans. Special mention loans have potential credit weaknesses that deserve management’s close attention, such as loans to borrowers who may be experiencing financial difficulties that may result in deterioration of repayment prospects from the borrower at some future date. Accruing substandard loans have a well-defined weakness, or weaknesses, such as loans to borrowers who may be experiencing losses from operations or inadequate liquidity of a degree and duration that jeopardizes the orderly repayment of the loan. Substandard loans are also distinguished by the distinct possibility of loss in the future if these weaknesses are not corrected. Nonaccrual loans are loans for which the accrual of interest has been discontinued. For further information regarding nonaccrual loans, refer to the Nonperforming Assets subheading in Note 1 - Basis of Presentation and Accounting Policies on page F-52 in the Corporation's 2024 Annual Report. These categories are generally consistent with the "special mention" and "substandard" categories as defined by regulatory authorities. A minority of nonaccrual loans are consistent with the "doubtful" category.14

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