Company: CMA
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000028412-25-000108
Chunk: 212

Company: COMERICA INC
Filing Date: 2025-02-24
Form: 10-K
Item: Item 1
Chunk 212
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 conditions and a bank holding company’s particular condition, risk profile and growth plans.

Failure to be well capitalized or to meet minimum capital requirements could result in certain mandatory and possible additional discretionary actions by regulators, including restrictions on the ability to pay dividends or otherwise distribute capital or to receive regulatory approval of applications, or other restrictions on growth.

6

At December 31, 2024, Comerica met all of its minimum risk-based capital ratio and leverage ratio requirements plus the applicable capital conservation buffer and the applicable well capitalized requirements, as shown in the table below:

(dollar amounts in millions)ComericaIncorporated(Consolidated)ComericaBankDecember 31, 2024CET1 capital (minimum $3.3 billion (Consolidated))$8,667 $8,547 Tier 1 capital (minimum $4.4 billion (Consolidated))9,061 8,547 Total capital (minimum $5.8 billion (Consolidated))10,363 9,799 Risk-weighted assets72,903 72,833 Average assets (fourth quarter)81,797 81,643 CET1 capital to risk-weighted assets (minimum-4.5%)11.89 %11.74 %Tier 1 capital to risk-weighted assets (minimum-6.0%)12.43 11.74 Total capital to risk-weighted assets (minimum-8.0%)14.21 13.45 Tier 1 capital to average assets (minimum-4.0%)11.08 10.47 Capital conservation buffer (minimum-2.5%)6.21 5.45 December 31, 2023CET1 capital (minimum $3.4 billion (Consolidated))$8,414 $8,007 Tier 1 capital (minimum $4.6 billion (Consolidated))8,808 8,007 Total capital (minimum $6.1 billion (Consolidated))10,263 9,362 Risk-weighted assets75,901 75,783 Average assets (fourth quarter)87,538 87,423 CET1 capital to risk-weighted assets (minimum-4.5%)11.09 %10.57 %Tier 1 capital to risk-weighted assets (minimum-6.0%)11.60 10.57 Total capital to