Company: CMA
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000028412-25-000235
Chunk: 222

Company: COMERICA INC
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 8
Chunk 222
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 381 11 3.94 Total earning assets70,650 2,801 5.11 73,578 2,972 5.19 Cash and due from banks761 711 Allowance for loan losses(690)(688)Accrued income and other assets7,074 7,415 Total assets$77,795 $81,016 Money market and interest-bearing checking deposits (f)$32,584 682 2.79 $29,585 724 3.26 Savings deposits2,100 3 0.17 2,277 4 0.21 Customer certificates of deposit3,210 69 2.86 3,797 103 3.61 Other time deposits877 34 5.12 3,035 120 5.30 Foreign office time deposits24 — 3.62 22 1 4.39 Total interest-bearing deposits38,795 788 2.71 38,716 952 3.28 Federal funds purchased220 7 4.38 9 — 5.39 Other short-term borrowings628 21 4.47 1,095 47 5.65 Medium- and long-term debt5,910 261 5.89 6,944 358 6.87 Total interest-bearing sources45,553 1,077 3.15 46,764 1,357 3.86 Noninterest-bearing deposits23,167 25,371 Accrued expenses and other liabilities2,155 2,588 Shareholders’ equity6,920 6,293 Total liabilities and shareholders’ equity$77,795 $81,016 Net interest income/rate spread$1,724 1.96 $1,615 1.33 Impact of net noninterest-bearing sources of funds 1.18 1.49 Net interest margin (as a percentage of average earning assets)  3.14  %  2.82  %

(a)Interest income on commercial loans included net expense from cash flow swaps of $246 million and $522 million for the nine months ended September 30, 2025 and 2024, respectively.

(b)Nonaccrual loans are included in average balances reported and in the calculation of average rates.

(c)Average balances