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Mar 31, 2024

Comerica Q1 2024 Earnings Report

Reported earnings per share of $0.98, deposits outperformed normal seasonal patterns, liquidity strategy remained a highlight, experienced ongoing, expected credit normalization, capital position was enhanced and CET1 ratio drove to 11.47.

Key Takeaways

Comerica reported a first quarter net income of $138 million, or $0.98 per share. The company successfully executed its deposit and liquidity strategy, significantly reduced wholesale funding, and maintained prudent capital management with strong credit quality.

Strategic rationalization efforts from 2023 and favorable pipeline trends position Comerica for growth.

Deposits outperformed normal seasonal patterns, adding new customers and expanding existing relationships while maintaining pricing discipline.

Liquidity strategy remained a highlight, normalizing the cash position, significantly reducing wholesale funding, and successfully executing a record $1.0 billion debt issuance.

Experienced ongoing, expected credit normalization, with net charge-offs of 10 basis points remaining historically low.

Total Revenue
$784M
Previous year: $990M
-20.8%
EPS
$1.29
Previous year: $2.39
-46.0%
Return on Avg. Assets
0.66%
Previous year: 1.54%
-57.1%
Efficiency Ratio
76.91%
Previous year: 55.53%
+38.5%
CET1 Capital Ratio
11.47%
Previous year: 10.09%
+13.7%
Gross Profit
$1.28B
Previous year: $990M
+29.3%
Cash and Equivalents
$689M
Previous year: $10.7B
-93.6%
Total Assets
$79.4B
Previous year: $91.1B
-12.8%

Comerica

Comerica

Forward Guidance

The press release contains forward-looking statements that are subject to risks and uncertainties.