Company: CMA
Filing Date: 2025-04-30
Form Type: 10-Q
Source: 0000028412-25-000154
Chunk: 65

Company: COMERICA INC
Filing Date: 2025-04-30
Form: 10-Q
Item: Part I, Item 1
Chunk 65
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3 0.05 Total loans$115 $1 $11 $127 0.25 %(a)Represents loan balances where terms were extended or payments were delayed by a more than an insignificant time period, typically more than 180 days, at or above contractual interest rates. (b)Relates to FDMs where more than one type of modification was made. For three months ended March 31, 2024, this primarily related to modifications where the interest rate was reduced and the term was extended.(c)Primarily loans to real estate developers.(d)Primarily loans secured by owner-occupied real estate.There were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms had been restructured at March 31, 2025 and December 31, 2024.16

Table of ContentsNotes to Consolidated Financial Statements (unaudited)Comerica Incorporated and SubsidiariesThe following table summarizes the financial impacts of loan modifications made during the three-month periods ended March 31, 2025 and 2024.Weighted-Average Term Extension (in months)Weighted-Average Interest Rate ReductionThree Months Ended March 31, 2025Business loans:Commercial16.1 — %Commercial mortgage:Commercial Real Estate business line (a)21.0 — Other business lines (b)17.4 — Total commercial mortgage20.1 — Total business loans18.1 — Retail loans:Consumer:Home equity— (3.24)Total consumer— (3.24)Total retail loans— (3.24)Total loans18.1 (3.24)%Three Months Ended March 31, 2024Business loans:Commercial9.8 (1.11)%Commercial mortgage:Other business lines (b)12.4 — Total commercial mortgage12.4 — International12.7 — Total business loans10.0 (1.11)Retail loans:Consumer:Home equity117.5 (3.11)Total consumer117.5 (3.11)Total retail loans117.5 (3.11)Total loans11.1 (1.40)%(a)Primarily loans to real estate developers.(b)Primarily loans secured by owner-occupied real estate.On an ongoing basis, the Corporation monitors the performance of modified loans related to their restructured terms. Of the loans