Company: CMA
Filing Date: 2025-02-24
Form Type: 10-K
Source: 0000028412-25-000108
Chunk: 459

Company: COMERICA INC
Filing Date: 2025-02-24
Form: 10-K
Item: Item 16
Chunk 459
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, 2024, 2023 and 2022, respectively; rates calculated gross of derivative netting amounts.

F-5

Rate/Volume Analysis

(in millions)Years Ended December 312024/20232023/2022Increase (Decrease)Due to Rate (a)(Decrease) IncreaseDue to Volume (a)Net (Decrease)IncreaseIncrease (Decrease)Due to Rate (a)Increase (Decrease)Due to Volume (a)NetIncrease (Decrease) Interest Income:Commercial loans$40 $(284)$(244)$362 $11 $373 Real estate construction loans6 31 37 86 112 198 Commercial mortgage loans22 42 64 357 111 468 Lease financing10 1 11 11 5 16 International loans(4)(12)(16)43 (1)42 Residential mortgage loans5 1 6 7 3 10 Consumer loans8 (2)6 71 9 80  Total loans87 (223)(136)937 250 1,187 Mortgage-backed securities(2)(25)(27)10 26 36 U.S. Treasury securities3 (4)(1)(15)(5)(20) Total investment securities1 (29)(28)(5)21 16 Interest-bearing deposits with banks6 (80)(74)420 (132)288 Other short-term investments1 1 2 6 6 12 Total interest income95 (331)(236)1,358 145 1,503 Interest Expense:Money market and interest-bearing checking deposits186 149 335 459 74 533 Savings deposits— (1)(1)5 (1)4 Customer certificates of deposit20 36 56 44 26 70 Other time deposits7 (51)(44)— 182 182 Foreign office time deposits— — — 1 — 1 Total interest-bearing deposits213 133 346 509 281 790 Federal funds purchased— (1)(1)1 (3)(2)Other short term borrowings23 (365)(342)5 371 376 Medium- and long-term debt38 47 85 138 153 291 Total interest expense274