•
Dec 31, 2021

Comerica Q4 2021 Earnings Report

Generated strong financial results driven by deposit growth, loan portfolio performance, credit quality, and fee generation.

Key Takeaways

Comerica Incorporated reported a net income of $228 million, or $1.66 per share, for the fourth quarter of 2021. The results reflect robust deposit growth, positive trends in the loan portfolio, strong credit quality, and active capital management.

Average deposits grew 19 percent, supporting solid loan performance.

Noninterest income growth was broad-based, increasing 12 percent to an all-time high.

Credit quality was excellent, and credit reserves were released.

Returned $1.1 billion to common shareholders through dividends and repurchases.

Total Revenue
$750M
Previous year: $734M
+2.2%
EPS
$1.66
Previous year: $1.49
+11.4%
Return on Avg. Assets
0.93%
Previous year: 1.01%
-7.9%
Efficiency Ratio
64.61%
Previous year: 64.27%
+0.5%
Net Interest Margin
2.04%
Previous year: 2.36%
-13.6%
Gross Profit
$750M
Previous year: $734M
+2.2%
Cash and Equivalents
$22.7B
Previous year: $1.03B
+2099.7%
Total Assets
$94.6B
Previous year: $88.1B
+7.4%

Comerica

Comerica

Forward Guidance

The company remains keenly focused on driving growth while maintaining expense discipline and investing in its businesses. Customers and colleagues have successfully navigated the challenges of the past two years and stand stronger and more confident about the future.