FirstMerit (FMER) 8-K 2005 Financial Information 2nd Quarter

Exhibit 99.1

2005 Financial Information 2^nd Quarter

Table of Contents

Earnings Release	Page 2
Consolidated Financial Highlights	Page 7
Consolidated Balance Sheets	Page 8
Average Consolidated Balance Sheets	Page 9
Average Consolidated Balance Sheets	Page 10
(Fully-tax Equivalent Interest Rates and Interest Differential)
Consolidated Statements of Income and Comprehensive Income	Page 11
Consolidated Statements of Income and Comprehensive Income	Page 12
(Linked Quarters)
Asset Quality Information	Page 13
Non Interest Income and Non Interest Expense Detail	Page 14
Allowance for Loan Losses – Net Charge-off Detail	Page 15

FirstMerit Corporation

III Cascade Plaza

Akron, Ohio 44308

Investor Relations:

Tom O’Malley

p. 330-384-7109

FOR RELEASE:	IMMEDIATE
CONTACT:	Analysts: Tom O’Malley	Media: Jacque Sir Louis
	(330) 384-7109	(330) 849-8877

Second Quarter Highlights

• Diluted earnings per share of $0.43

• Net income of $36.1 million

• Return on average common equity of 15.07%

• Return on average assets of 1.40%

FirstMerit Reports 19 Percent Increase in
Second Quarter 2005 Earnings Per Share

AKRON, Ohio, — July 21, 2005— FirstMerit Corporation (Nasdaq: FMER) today announced second quarter 2005 net income of $36.1 million, or $0.43 per diluted share, up from $31.0 million, or $0.36 per diluted share, for the second quarter of 2004. Annualized returns on average common equity (“ROE”) and average assets (“ROA”) for the quarter were 15.07% and 1.40%, respectively, compared with 12.71% and 1.19% for the second quarter of 2004.

For the first six months of 2005, the Company reported net income of $66.2 million, or $0.79 per diluted share, up from $43.7 million, or $0.51 per diluted share, for the first six months of 2004. ROE and ROA were 13.77% and 1.30%, respectively, compared with 8.87% and 0.84% for the prior-year period.

“Sequential growth in our average loan portfolio continued in the second quarter at an improved pace,” said John R. Cochran, chairman and CEO. “Our strong team of bankers and their aggressive marketing efforts helped us uncover strong credit opportunities in our footprint. Funding demands from our commercial customers are rising and the retail loan book also supported this quarter’s overall growth driven by our customer’s increased use of FirstMerit’s home equity product offerings.”

Mr. Cochran added, “FirstMerit had good revenue generation this quarter. Fee income was the primary driver, producing solid returns on ongoing initiatives we have in place to enhance profitability. Our revenue increases off of the previous quarter and from one year ago show we are progressing on our long term goals of 6%-8% revenue growth.

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“This quarter’s results also show further progress with respect to efficiency. Our efficiency ratio was better than in recent periods, but we know there is room for even more improvement. We will look to capitalize on every opportunity to maintain discipline on our expense base as we grow the franchise with the objective of returning to efficiency levels closer to 50%.”

Total revenue, defined as net interest income on a fully-tax equivalent (“FTE”) basis plus non-interest income net of securities transactions, was $138.6 million for the second quarter of 2005, compared with $132.1 million in the prior-year quarter. FTE net interest income increased 0.74% year-over-year, to $88.4 million. The impact of an 8 basis point increase in the net interest margin to 3.74% offset a 1.75% decline in average earning assets to $9.5 billion. While the investment portfolio declined as a result of the Company’s strategy of de-leveraging the balance sheet to manage its interest rate risk position, the yield on the investment portfolio has improved since the second quarter of 2004. Average loans increased 0.92%, to $6.6 billion, with growth tempered by the sale of problem commercial assets in June of 2004. While the disposal of criticized assets restrained the Company’s growth somewhat over the past twelve months, the overall risk profile of the balance sheet was strengthened.

Non-interest income for the second quarter of 2005 totaled $50.1 million, compared with $45.7 million for the second quarter of 2004. Excluding securities gains (losses), non-interest income was $50.1 million in the second quarter of 2005 and $44.3 million in the same period last year. The overall increase in non interest income reflects increased deposit and bankcard fees resulting from the Company’s strategies to generate higher fee income from these business lines and the favorable settlement of certain contractual obligations.

Non-interest expense totaled $79.4 million for the second quarter of 2005, compared with $77.5 million for the second quarter of 2004, an increase of 2.40%. Advertising and promotion expense increased $1.6 million, compared with the second quarter of 2004 and salary and benefits expense increased $2.2 million, or 5.65%. The efficiency ratio for the quarter was 57.14%, compared with 58.53% for the year ago quarter. The Company’s recent investments in personnel and marketing contributed to improved operating performance for the quarter.

As of June 30, 2005, nonperforming assets were $54.0 million, or 0.82% of period-end loans plus other real estate, compared with $46.7 million, or 0.71%, as of March 31, 2005, and $48.8 million

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or 0.75%, as of June 30, 2004. Net charge-offs for the second quarter of 2005 were $10.3 million, compared with $14.2 million for the second quarter of 2004, a decline of $3.9 million, or 27.53%. Compared with the previous quarter, net charge-offs decreased $1.5 million, or 12.86%. Annualized net charge-offs to average loans in the second quarter of 2005 improved to 0.62%, compared with 0.74% for the prior quarter and 0.87% for the second quarter of 2004.

The Company recorded $6.0 million of loan loss provision in the second quarter of 2005, compared with $14.9 million in the second quarter of 2004. In the first quarter of 2005, the loan loss provision was $11.6 million. The reduced loan loss provision was primarily the result of significant improvement in the Company’s level of criticized commercial loans in the second quarter of 2005. This reduction in criticized loans reflects continued strengthening of the overall quality of the loan portfolio and factored into the allowance for loan loss methodology for the period. The allowance for credit losses at June 30, 2005 was 1.49% of period-end loans, compared with 1.59% on March 31, 2005 and 1.65% on June 30, 2004.

Assets at June 30, 2005 totaled $10.3 billion, down 0.67% from June 30, 2004. Period-end loan growth of $91.0 million, or 1.40%, was driven by commercial loans and home equity loans increasing 2.98% and 14.08%, respectively, to mitigate a 4.05% decline in installment loans and an anticipated 32.52% decline in the leasing portfolio. Investment securities and federal funds sold decreased $144.8 million, or 4.87%, over the same time period, funding the growth of other earning assets.

Deposits totaled $7.2 billion at June 30, 2005, down 3.09% from June 30, 2004. Time deposits declined $150.7 million, or 5.58%, significantly impacted by the maturing of high-cost brokered CD’s. The Company increased its core deposit concentration to 64.47% of deposits at June 30, 2005, compared with 63.53% at June 30, 2004.

Shareholders’ equity was $976.0 million on June 30, 2005. The Company’s capital position remains strong as tangible equity to assets was 8.19%, compared with 7.94% on June 30, 2004. The common dividend paid during the quarter was $0.27 per share, a $0.01 increase from the prior-year quarter. During the second quarter of 2005 the Company repurchased 145,143 common shares. Period-end common shares outstanding totaled 83.5 million.

Page 4

Second Quarter 2005 Highlights

Robert M. Leggett to Chief Investment Officer for FirstMerit Wealth Management Services. Mr. Leggett is responsible for the strategic planning and investment results of FirstMerit’s $2.4 billion in client investments, and fills a key position in FirstMerit’s Wealth team. Mr. Leggett brings more than 20 years of experience in leading investment management teams.

The Board of Directors of FirstMerit Corporation (Nasdaq: FMER) declared a quarterly cash dividend of $0.27 per share on the Corporation’s Common Stock.

FirstMerit Investment Securities, Inc. formed a strategic alliance with INVEST Financial Corporation to manage its brokerage-dealer operations effective July 1, 2005. Customers will have access to more services and a wider array of products. INVEST is a 20- year leader in securities products for financial institutions. Partnering with a third-party to manage certain operations will bring advanced technology, more investment alternatives and a greater efficiency.

Conference Call Information

FirstMerit’s senior management will host an earnings conference call on July 21, 2005, at 2:00 p.m. Eastern time to provide an overview of second quarter results and highlights. To participate in the conference call, please dial (800) 322-0079 ten minutes before start time. A replay of the conference call will be available at approximately 4:30 p.m., on July 21, 2005 through August 5, 2005, by dialing (877) 519-4471, reservation number 6277056.

The second quarter earnings release will be available at approximately 7:30 a.m. on the Internet at http://www.firstmerit.com under the Investor Relations portion of the Web site. Any material non-public information that might be disclosed during the conference call will be posted on the Web site immediately after the conference call ends.

FirstMerit Corporation is a diversified financial services company headquartered in Akron, Ohio, with assets of $10.3 billion as of June 30, 2005, and 161 banking offices in 24 Ohio and Western Pennsylvania counties. FirstMerit provides a complete range of banking and other financial services to consumers and businesses through its wholly-owned subsidiaries which include: FirstMerit Bank, N.A., FirstMerit Mortgage Corporation, FirstMerit Title Agency, Ltd., FirstMerit Credit Life Insurance Company, and FirstMerit Community Development Corporation.

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Forward-Looking Statement

This release contains forward-looking statements relating to present or future trends or factors affecting the banking industry, and specifically the financial condition and results of operations, including without limitation, statements relating to the earnings outlook of the Company, as well as its operations, markets and products. Actual results could differ materially from those indicated. Among the important factors that could cause results to differ materially are interest rate changes, softening in the economy, which could materially impact credit quality trends and the ability to generate loans, changes in the mix of the Company’s business, competitive pressures, changes in accounting, tax or regulatory practices or requirements and those risk factors detailed in the Company’s periodic reports and registration statements filed with the Securities and Exchange Commission. The Company undertakes no obligation to release revisions to these forward- looking statements or reflect events or circumstances after the date of this release.

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FIRSTMERIT CORPORATION AND SUBSIDIARIES
Consolidated Financial Highlights

(Unaudited)	Quarters
(Dollars in thousands)
	2005			2005			2004			2004			2004
EARNINGS	2nd Qtr			1st Qtr			4th Qtr			3rd Qtr			2nd Qtr
Net interest income FTE (a)	$	88,432			86,685			87,993			88,051			87,782
Provision for loan losses		5,972			11,614			9,358			9,325			14,850
Other income		50,095			44,939			39,402			44,078			45,719
Other expenses		79,397			75,911			80,279			77,250			77,536
FTE adjustment (a)		655			675			669			679			675
Net income		36,145			30,088			28,369			31,111			31,028
Diluted EPS		0.43			0.36			0.33			0.37			0.36
PERFORMANCE RATIOS
Return on average assets (ROA)		1.40	%		1.19	%		1.12	%		1.21	%		1.19	%
Return on average common equity (ROE)		15.07	%		12.48	%		11.49	%		12.78	%		12.71	%
Net interest margin FTE (a)		3.74	%		3.73	%		3.76	%		3.71	%		3.66	%
Efficiency ratio		57.14	%		58.33	%		60.69	%		58.31	%		58.53	%
Number of full-time equivalent employees		3,078			3,081			3,158			3,232			3,267
MARKET DATA
Book value/common share	$	11.69			11.32			11.66			11.62			11.28
Period-end common share mkt value		26.11			26.76			28.49			26.31			26.37
Market as a % of book		223	%		236	%		244	%		226	%		234	%
Cash dividends/common share	$	0.27			0.27			0.27			0.27			0.26
Common stock dividend payout ratio		62.79	%		75.00	%		81.82	%		72.97	%		72.22	%
Average basic common shares		83,603			84,097			84,286			84,544			84,809
Average diluted common shares		83,890			84,497			84,777			84,962			85,149
Period end common shares		83,522			83,612			84,191			84,302			84,829
Common shares repurchased		145,143			816,208			197,235			562,538			—
Common stock market capitalization	$	2,180,759			2,237,457			2,398,602			2,217,986			2,236,941
ASSET QUALITY
Gross charge-offs	$	15,422			16,740			17,873			16,119			21,341
Net charge-offs		10,278			11,795			12,553			10,403			14,183
Allowance for loan losses (b)		92,808			97,115			97,296			100,491			101,569
Reserve for unfunded lending commitments (b)		5,785			6,479			5,774			5,619			5,992
Nonperforming assets (NPAs)		53,985			46,703			45,891			47,789			48,819
Net charge-off/average loans ratio		0.62	%		0.74	%		0.78	%		0.64	%		0.87	%
Allowance for loan losses/period-end loans		1.40	%		1.49	%		1.51	%		1.56	%		1.56	%
Allowance for credit losses/period-end loans (c)		1.49	%		1.59	%		1.60	%		1.64	%		1.65	%
NPAs/loans and other real estate		0.82	%		0.71	%		0.71	%		0.74	%		0.75	%
Allowance for loan losses/nonperforming loans		208.74	%		235.71	%		240.14	%		240.03	%		247.10	%
Allowance for credit losses/nonperforming loans	221.76%				251.44	%		254.39	%		253.45	%		261.67	%
CAPITAL & LIQUIDITY
Period-end tangible equity to assets		8.19	%		7.93	%		8.39	%		8.34	%		7.94	%
Average equity to assets		9.32	%		9.56	%		9.70	%		9.43	%		9.38	%
Average equity to loans		14.58	%		15.06	%		15.26	%		14.96	%		15.02	%
Average loans to deposits		90.16	%		88.27	%		86.69	%		86.79	%		87.95	%
AVERAGE BALANCES
Assets (b)	$	10,329,167			10,226,765			10,120,109			10,268,456			10,471,960
Deposits		7,321,860			7,354,689			7,421,815			7,459,927			7,437,054
Loans		6,601,204			6,492,044			6,434,115			6,474,512			6,540,974
Earning assets		9,489,431			9,421,693			9,314,744			9,441,368			9,658,873
Shareholders’ equity		962,239			977,888			982,147			968,697			982,195
ENDING BALANCES
Assets (b)	$	10,314,268			10,274,154			10,122,627			10,164,098			10,378,155
Deposits		7,173,857			7,324,551			7,365,447			7,377,108			7,402,800
Loans		6,611,011			6,530,546			6,433,083			6,461,741			6,520,001
Goodwill		139,245			139,245			139,245			139,245			139,245
Intangible assets		4,200			4,424			4,647			4,869			5,091
Earning assets		9,492,583			9,453,738			9,343,491			9,377,760			9,552,721
Total shareholders’ equity		976,016			946,731			981,257			979,640			957,095

NOTES:

(a)	- Net interest income on a fully tax-equivalent (“FTE”) basis restates interest on tax-exempt securities and loans as if such interest were subject to federal income tax at the statutory rate. Net interest income on an FTE basis is not an accounting principle generally accepted in the United States of America.
(b)	- As of December 31, 2004, the reserve for unfunded lending commitments has been reclassified from the allowance for loan losses to other liabilities. Amounts presented prior to December 31, 2004, have been reclassified to conform to the current presentation.
(c)	- The allowance for credit losses is the sum of the allowance for loan losses and the reserve for unfunded lending commitments.

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FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

(In thousands)
(Unaudited, except December 31, 2004, which is derived from the	June 30,			December 31,			June 30,
audited financial statements)	2005			2004			2004
ASSETS
Cash and due from banks	$	201,240			169,052			216,258
Investment securities (at fair value) and federal funds sold		2,829,017			2,862,015			2,973,858
Loans held for sale		52,555			48,393			58,862
Loans:
Commercial loans		3,423,384			3,285,012			3,324,335
Mortgage loans		634,777			639,715			627,633
Installment loans		1,601,022			1,598,588			1,668,679
Home equity loans		737,207			676,230			646,197
Credit card loans		138,335			145,042			140,110
Leases		76,286			88,496			113,047
Total loans		6,611,011			6,433,083			6,520,001
Less allowance for loan losses (a)		(92,808	)		(97,296	)		(101,569	)
Net loans		6,518,203			6,335,787			6,418,432
Premises and equipment, net		118,038			121,198			121,373
Goodwill		139,245			139,245			139,245
Intangible assets		4,200			4,647			5,091
Accrued interest receivable and other assets		451,770			442,290			451,028
Total assets	$	10,314,268			10,122,627			10,384,147
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand-non-interest bearing	$	1,439,800			1,470,543			1,400,715
Demand-interest bearing		834,315			841,595			804,355
Savings and money market accounts		2,350,829			2,384,510			2,498,152
Certificates and other time deposits		2,548,913			2,668,799			2,699,578
Total deposits		7,173,857			7,365,447			7,402,800
Securities sold under agreements to repurchase		1,699,337			1,336,471			1,573,492
Wholesale borrowings		333,627			300,220			320,367
Accrued taxes, expenses, and other liabilities (a)		131,431			139,232			130,393
Total liabilities		9,338,252			9,141,370			9,427,052
Commitments and contingencies
Shareholders’ equity:
Preferred stock, without par value: authorized and unissued 7,000,000 shares		—			—			—
Preferred stock, Series A, without par value: designated 800,000 shares; none outstanding		—			—			—
Convertible preferred stock, Series B, without par value: designated 220,000 shares; none outstanding		—			—			—
Common stock, without par value: authorized 300,000,000 shares; issued 92,026,350 at June 30, 2005, December 31, 2004 and June 30, 2004		127,937			127,937			127,937
Capital surplus		108,736			110,513			110,415
Accumulated other comprehensive (loss) income		(19,651	)		(14,208	)		(41,601	)
Retained earnings		977,052			956,802			943,021
Treasury stock, at cost, 8,504,487, 7,835,399 and 7,197,488 shares at June 30, 2005, December 31, 2004 and June 30, 2004, respectively		(218,058	)		(199,787	)		(182,677	)
Total shareholders’ equity		976,016			981,257			957,095
Total liabilities and shareholders’ equity	$	10,314,268			10,122,627			10,384,147

(a) As of December 31, 2004, the reserve for unfunded lending commitments has been reclassified from the allowance for loan losses to other liabilities. Amounts presented prior to December 31, 2004 have been reclassifed to conform to the current presentation.

The accompanying notes are an integral part of the consolidated financial statements.

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FIRSTMERIT CORPORATION AND SUBSIDIARIES
AVERAGE CONSOLIDATED BALANCE SHEETS

				Quarterly Periods
(Unaudited)
(Dollars in thousands)	June 30,			March 31,			Dec 31,			Sept 30,			June 30,
	2005			2005			2004			2004			2004
ASSETS
Cash and due from banks	$	197,548			190,740			198,077			219,025			226,637
Investment securities/fed funds sold		2,833,818			2,876,415			2,831,253			2,913,395			3,054,655
Loans held for sale		54,409			53,234			49,376			53,461			63,244
Loans:
Commercial loans		3,434,946			3,346,425			3,272,545			3,286,775			3,368,633
Mortgage loans		641,865			646,528			642,569			637,796			628,381
Installment loans		1,601,775			1,598,953			1,612,132			1,646,826			1,640,665
Home equity loans		704,054			674,913			670,366			654,882			642,369
Credit card loans		137,919			141,440			141,953			141,751			141,460
Leases		80,645			83,785			94,550			106,482			119,466
Total loans		6,601,204			6,492,044			6,434,115			6,474,512			6,540,974
Less allowance for loan losses (a)		96,342			96,438			99,675			101,119			112,120
Net loans		6,504,862			6,395,606			6,334,440			6,373,393			6,428,854
Total earning assets		9,489,431			9,421,693			9,314,744			9,441,368			9,658,873
Premises and equipment, net		118,392			119,916			121,147			121,672			120,798
Accrued interest receivable and other assets		620,138			590,854			585,816			587,510			577,772
TOTAL ASSETS	$	10,329,167			10,226,765			10,120,109			10,268,456			10,471,960
LIABILITIES
Deposits:
Demand-non-interest bearing	$	1,470,673			1,447,226			1,462,830			1,396,593			1,402,273
Demand-interest bearing		834,708			820,974			829,650			809,707			814,718
Savings and money market accounts		2,370,280			2,392,023			2,423,790			2,495,659			2,492,318
Certificates and other time deposits		2,646,199			2,694,466			2,705,545			2,757,968			2,727,745
Total deposits		7,321,860			7,354,689			7,421,815			7,459,927			7,437,054
Securities sold under agreements to repurchase		1,385,644			1,326,242			1,262,156			1,394,398			1,589,014
Wholesale borrowings		498,088			412,149			300,550			300,477			320,222
Total funds		9,205,592			9,093,080			8,984,521			9,154,802			9,346,290
Accrued taxes, expenses and other liabilities (a)		161,336			155,797			153,441			144,957			143,475
Total liabilities		9,366,928			9,248,877			9,137,962			9,299,759			9,489,765
SHAREHOLDERS’ EQUITY
Preferred stock		—			—			—			—			—
Common stock		127,937			127,937			127,937			127,937			127,937
Capital surplus		108,559			108,478			110,217			110,297			110,902
Accumulated other comprehensive income		(26,883	)		(16,998	)		(12,559	)		(29,493	)		(13,730	)
Retained earnings		968,408			960,740			953,566			950,094			940,726
Treasury stock		(215,782	)		(202,269	)		(197,014	)		(190,138	)		(183,640	)
Total shareholders’ equity		962,239			977,888			982,147			968,697			982,195
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	10,329,167			10,226,765			10,120,109			10,268,456			10,471,960

(a) As of December 31, 2004, the reserve for unfunded lending commitments has been reclassified from the allowance for loan losses. Amounts presented prior to December 31, 2004 have been reclassified to conform to the current presentation.

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AVERAGE CONSOLIDATED BALANCE SHEETS (Unaudited)
Fully-tax Equivalent Interest Rates and Interest Differential

FIRSTMERIT CORPORATION AND
SUBSIDIARIES	Three months ended								Year ended								Three months ended
(Dollars in thousands )	June 30, 2005								December 31, 2004								June 30, 2004
	Average					Average			Average					Average			Average					Average
	Balance			Interest		Rate			Balance			Interest		Rate			Balance			Interest		Rate
ASSETS
Cash and due from banks	$	197,548								213,994								226,637
Investment securities and federal funds sold:
U.S. Treasury securities     and U.S. Government     agency obligations      (taxable)		2,478,319			23,722		3.84	%		2,602,317			97,037		3.73	%		2,689,533			24,729		3.70	%
Obligations of states and     political subdivisions     (tax exempt)		99,756			1,673		6.73	%		103,402			7,311		7.07	%		104,132			1,825		7.05	%
Other securities and federal     funds sold		255,743			3,037		4.76	%		261,765			9,765		3.73	%		260,990			2,324		3.58	%
Total investment securities and federal funds sold		2,833,818			28,432		4.02	%		2,967,484			114,113		3.85	%		3,054,655			28,878		3.80	%
Loans held for sale		54,409			804		5.93	%		55,002			2,089		3.80	%		63,244			633		4.03	%
Loans		6,601,204			105,196		6.39	%		6,493,472			383,905		5.91	%		6,540,974			93,511		5.75	%
Total earning assets		9,489,431			134,432		5.68	%		9,515,958			500,107		5.26	%		9,658,873			123,022		5.12	%
Allowance for loan losses		(96,342	)							(100,959	)							(112,120	)
Other assets		738,530								689,312								698,570
Total assets	$	10,329,167								10,318,305								10,471,960
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand — non-interest     bearing	$	1,470,673			—		—			1,398,112			—		—			1,402,273			—		—
Demand — interest     bearing		834,708			1,230		0.59	%		805,419			2,152		0.27	%		814,718			503		0.25	%
Savings and money market     accounts		2,370,280			7,517		1.27	%		2,473,728			19,145		0.77	%		2,492,318			4,512		0.73	%
Certificates and other time     deposits		2,646,199			20,696		3.14	%		2,762,975			81,540		2.95	%		2,727,745			19,598		2.89	%
Total deposits		7,321,860			29,443		1.61	%		7,440,234			102,837		1.38	%		7,437,054			24,613		1.33	%
Securities sold under agreements     to repurchase		1,385,644			10,624		3.08	%		1,447,629			26,259		1.81	%		1,589,014			6,271		1.59	%
Wholesale borrowings		498,088			5,933		4.78	%		307,867			17,494		5.68	%		320,222			4,356		5.47	%
Total interest bearing liabilities		7,734,919			46,000		2.39	%		7,797,618			146,590		1.88	%		7,944,017			35,240		1.78	%
Other liabilities		161,336								139,046								143,475
Shareholders’ equity		962,239								983,529								982,195
Total liabilities and shareholders’ equity	$	10,329,167								10,318,305								10,471,960
Net yield on earning assets	$	9,489,431			88,432		3.74	%		9,515,958			353,517		3.71	%		9,658,873			87,782		3.66	%
Interest rate spread							3.30	%							3.38	%							3.34	%

Notes:	Interest income on tax-exempt securities and loans have been adjusted to a fully-taxable equivalent basis.
	Nonaccrual loans have been included in the average balances.

Page 10

FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

(Unaudited)	Quarters ended						Six months ended
(In thousands except per share data)	June 30,						June 30,
	2005			2004			2005			2004
Interest income:
Interest and fees on loans, including held for sale	$	105,975			94,126			206,124			190,753
Interest and dividends on investment securities and federal funds sold		27,802			28,221			55,494			57,432
Total interest income		133,777			122,347			261,618			248,185
Interest expense:
Interest on deposits:
Demand-interest bearing		1,230			503			2,186			869
Savings and money market accounts		7,517			4,512			13,892			8,826
Certificates and other time deposits		20,696			19,598			41,296			41,229
Interest on securities sold under agreements to repurchase		10,624			6,271			19,465			12,409
Interest on wholesale borrowings		5,933			4,356			10,992			8,743
Total interest expense		46,000			35,240			87,831			72,076
Net interest income		87,777			87,107			173,787			176,109
Provision for loan losses		5,972			14,850			17,586			55,240
Net interest income after provision for loan losses		81,805			72,257			156,201			120,869
Other income:
Trust department income		5,684			5,696			11,189			11,052
Service charges on deposits		17,800			15,705			32,620			31,124
Credit card fees		10,523			9,546			19,934			18,210
ATM and other service fees		3,298			3,071			6,257			5,819
Bank owned life insurance income		3,024			3,083			6,098			6,209
Investment services and insurance		2,828			3,527			5,686			7,359
Manufactured housing income		40			5			142			150
Investment securities gains, net		(25	)		1,412			1,847			1,482
Loan sales and servicing income		1,520			334			2,653			2,412
Other operating income		5,403			3,340			8,608			6,988
Total other income		50,095			45,719			95,034			90,805
Other expenses:
Salaries, wages, pension and employee benefits		41,351			39,139			80,744			78,200
Net occupancy expense		5,881			5,526			12,417			11,543
Equipment expense		3,002			3,323			6,187			6,858
Stationery, supplies and postage		2,484			2,577			4,945			5,289
Bankcard, loan processing and other costs		5,444			5,988			11,168			11,691
Professional services		3,843			3,977			5,993			7,123
Amortization of intangibles		222			222			445			445
Other operating expense		17,170			16,784			33,409			33,251
Total other expenses		79,397			77,536			155,308			154,400
Income before income tax expense		52,503			40,440			95,927			57,274
Federal income taxes		16,358			9,412			29,694			13,540
Net income	$	36,145			31,028			66,233			43,734
Other comprehensive income (loss), net of taxes
Unrealized securities’ holding gains (losses), net of taxes		18,524			(54,037	)		(4,059	)		(31,163	)
Minimum pension liability adjustment, net of taxes		—			—			(183	)		—
Less: reclassification adjustment for securities’ gains (losses) realized in net income, net of taxes		(16	)		917			1,201			963
Total other comprehensive income (loss), net of taxes		18,540			(54,954	)		(5,443	)		(32,126	)
Comprehensive income (loss)	$	54,685			(23,926	)		60,790			11,608
Net income applicable to common shares	$	36,145			31,028			66,233			43,734
Net income used in diluted EPS calculation	$	36,152			31,035			66,247			43,748
Weighted average number of common shares outstanding — basic		83,603			84,809			83,849			84,789
Weighted average number of common shares outstanding — diluted		83,890			85,149			84,187			85,161
Basic earnings per share	$	0.43			0.37			0.79			0.52
Diluted earnings per share	$	0.43			0.36			0.79			0.51
Dividend per share	$	0.27			0.26			0.54			0.52

Note: Certain prior year balances have been reclassified to conform to the current year presentation.

The accompanying notes are an integral part of the consolidated financial statements.

Page 11

FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME—LINKED QUARTERS

(Unaudited)
(Dollars in thousands, except share data)				Quarterly Results
	2005			2005			2004			2004		2004
	2nd Q			1st Q			4th Q			3rd Q		2nd Q
Interest and fees on loans, including held for sale	$	105,975			100,149			98,792			96,374		94,126
Interest and dividends — securities and federal funds sold		27,802			27,692			26,590			27,454		28,221
Total interest income		133,777			127,841			125,382			123,828		122,347
Interest on deposits:
Demand-interest bearing		1,230			956			704			579		503
Savings and money market accounts		7,517			6,375			5,310			5,009		4,512
Certificates and other time deposits		20,696			20,600			20,463			19,848		19,598
Securities sold under agreements to repurchase		10,624			8,841			7,182			6,668		6,271
Wholesale borrowings		5,933			5,059			4,399			4,352		4,356
Total interest expense		46,000			41,831			38,058			36,456		35,240
Net interest income		87,777			86,010			87,324			87,372		87,107
Provision for loan losses		5,972			11,614			9,358			9,325		14,850
Net interest income after provision for loan losses		81,805			74,396			77,966			78,047		72,257
Other income:
Trust department income		5,684			5,505			5,315			5,228		5,696
Service charges on deposits		17,800			14,820			15,135			15,903		15,705
Credit card fees		10,523			9,411			9,937			9,581		9,546
ATM and other service fees		3,298			2,959			2,892			3,168		3,071
Bank owned life insurance income		3,024			3,074			3,113			2,992		3,083
Investment services and insurance		2,828			2,858			2,560			2,931		3,527
Manufactured housing income		40			102			10			5		5
Investment securities gains (losses), net		(25	)		1,872			(4,508	)		29		1,412
Loan sales and servicing income		1,520			1,133			2,033			1,630		334
Other operating income		5,403			3,205			2,915			2,611		3,340
Total other income		50,095			44,939			39,402			44,078		45,719
Other expenses:
Salaries, wages, pension and employee benefits		41,351			39,393			40,756			41,096		39,139
Net occupancy expense		5,881			6,536			5,468			5,546		5,526
Equipment expense		3,002			3,185			3,347			3,140		3,323
Stationery, supplies and postage		2,484			2,461			2,821			2,606		2,577
Bankcard, loan processing and other costs		5,444			5,724			6,355			6,261		5,988
Professional services		3,843			2,150			3,785			2,780		3,977
Amortization of intangibles		222			223			222			222		222
Other operating expense		17,170			16,239			17,525			15,599		16,784
Total other expenses		79,397			75,911			80,279			77,250		77,536
Income before income tax expense		52,503			43,424			37,089			44,875		40,440
Federal income taxes		16,358			13,336			8,720			13,764		9,412
Net income	$	36,145			30,088			28,369			31,111		31,028
Other comprehensive income (loss), net of taxes		18,540			(23,983	)		(823	)		28,216		(54,954	)
Comprehensive income (loss)	$	54,685			6,105			27,546			59,327		(23,926	)
Net income applicable to common shares		36,145			30,088			28,369			31,111		31,028
Adjusted net income used in diluted EPS calculation		36,152			30,095			28,377			31,119		31,035
Weighted-average common shares — basic		83,603			84,097			84,286			84,544		84,809
Weighted-average common shares — diluted		83,890			84,497			84,777			84,962		85,149
Basic net income per share	$	0.43			0.36			0.34			0.36		0.37
Diluted net income per share	$	0.43			0.36			0.33			0.37		0.36

Note: Certain prior year balances have been reclassified to conform to the current year presentation.

Page 12

FIRSTMERIT CORPORATION AND SUBSIDIARIES
ASSET QUALITY INFORMATION

(Unaudited, except December 31,2004 annual period which
   is derived from the audited financial statements)
(Dollars in thousands, except ratios)

	Quarterly Periods															Annual Period
	30-Jun			Mar 31			Dec 31			Sep 30			June 30			Dec 31
	2005			2005			2004			2004			2004			2004
Allowance for Credit Losses (a)
Allowance for loan losses, beginning of period (b)	$	97,115			97,296			100,491			101,569			113,573			91,459
Allowance related to loans sold		—			—			—			—			(12,671	)		(12,671	)
Provision for loan losses		5,971			11,614			9,358			9,325			14,850			73,923
Charge-offs		15,422			16,740			17,873			16,119			21,341			78,999
Recoveries		5,144			4,945			5,320			5,716			7,158			23,584
Net charge-offs		10,278			11,795			12,553			10,403			14,183			55,415
Allowance for loan losses, end of period	$	92,808			97,115			97,296			100,491			101,569			97,296
Reserve for unfunded lending commitments, beginning of period (b)	$	6,479			5,774			5,619			5,992			6,688			6,094
Provision for credit losses		(694	)		705			155			(373	)		(696	)		(320	)
Reserve for unfunded lending commitments, end of period	$	5,785			6,479			5,774			5,619			5,992			5,774
Allowance for Credit Losses	$	98,593			103,594			103,070			106,110			107,561			103,070
Ratios (a) (b)
Provision for loan losses as a % of average loans		0.36	%		0.73	%		0.58	%		0.57	%		0.91	%		1.13	%
Provision for credit losses as a % of average loans		-0.04	%		0.04	%		0.01	%		-0.02	%		-0.04	%		0.00	%
Net charge-offs as a % of average loans		0.62	%		0.74	%		0.78	%		0.64	%		0.87	%		0.85	%
Allowance for loan losses as a % of period-end loans		1.40	%		1.49	%		1.51	%		1.56	%		1.56	%		1.51	%
Allowance for credit losses as a % of period-end loans		1.49	%		1.59	%		1.60	%		1.64	%		1.65	%		1.60	%
Allowance for loan losses as a % of nonperforming loans		208.74	%		235.71	%		240.14	%		240.03	%		247.10	%		240.14	%
Allowance for credit losses as a % of nonperforming loans		221.76	%		251.44	%		254.39	%		253.45	%		261.67	%		254.39	%
Asset Quality
Impaired loans:
Nonaccrual	$	38,124			34,207			33,831			33,812			33,080			33,831
Other nonperforming loans:
Nonaccrual		6,336			6,994			6,685			8,054			8,025			6,685
Total nonperforming loans		44,460			41,201			40,516			41,866			41,105			40,516
Other real estate (“ORE”)		9,525			5,502			5,375			5,923			7,714			5,375
Total nonperforming assets (“NPAs”)	$	53,985			46,703			45,891			47,789			48,819			45,891
NPAs as % of period-end loans + ORE		0.82	%		0.71	%		0.71	%		0.74	%		0.75	%		0.71	%
Past due 90 days or more & accruing interest	$	17,969			22,899			20,703			30,882			18,387			20,703

(a)	The allowance for credit losses is the sum of the allowance for loan losses and the reserve for unfunded lending commitments.
(b)	As of December 31, 2004, the reserve for unfunded lending commitments has been reclassified from the allowance for loan losses. Amounts presented prior to December 31, 2004 have been reclassified to conform to the current presentation.

Page 13

FIRSTMERIT CORPORATION
NONINTEREST INCOME AND NONINTEREST EXPENSE DETAIL

(Unaudited)
(Dollars in thousands)

	2005			2005		2004			2004		2004
QUARTERLY OTHER INCOME DETAIL	2nd Qtr			1st Qtr		4th Qtr			3rd Qtr		2nd Qtr
Trust department income	$	5,684			5,505		5,315			5,228		5,696
Service charges on deposits		17,800			14,820		15,135			15,903		15,705
Credit card fees		10,523			9,411		9,937			9,581		9,546
ATM and other service fees		3,298			2,959		2,892			3,168		3,071
Bank owned life insurance income		3,024			3,074		3,113			2,992		3,083
Investment services and insurance		2,828			2,858		2,560			2,931		3,527
Manufactured housing income		40			102		10			5		5
Investment securities gains (losses), net		(25	)		1,872		(4,508	)		29		1,412
Loan sales and servicing income		1,520			1,133		2,033			1,630		334
Other operating income		5,403			3,205		2,915			2,611		3,340
Total Other Income	$	50,095			44,939		39,402			44,078		45,719

	2005		2005		2004		2004		2004
QUARTERLY OTHER EXPENSES DETAIL	2nd Qtr		1st Qtr		4th Qtr		3rd Qtr		2nd Qtr
Salaries, wages, pension and employee benefits	$	41,351		39,393		40,756		41,096		39,139
Net occupancy expense		5,881		6,536		5,468		5,546		5,526
Equipment expense		3,002		3,185		3,347		3,140		3,323
Taxes, other than federal income taxes		880		735		908		1,387		1,406
Stationery, supplies and postage		2,484		2,461		2,821		2,606		2,577
Bankcard, loan processing and other costs		5,444		5,724		6,355		6,261		5,988
Advertising		3,182		1,244		2,984		1,807		1,554
Professional services		3,843		2,150		3,785		2,780		3,977
Telephone		1,095		1,119		1,204		1,146		1,221
Amortization of intangibles		222		223		222		222		222
Other operating expense		12,013		13,141		12,429		11,259		12,603
Total Other Expenses	$	79,397		75,911		80,279		77,250		77,536

Page 14

FIRSTMERIT CORPORATION AND SUBSIDIARIES
ALLOWANCE FOR LOAN LOSSES — Net Charge-off Detail

(Unaudited)
(Dollars in thousands)	Quarters ended						Six months ended
	June 30,						June 30,
	2005			2004			2005			2004
Allowance for loan losses — beginning of period (a)	$	97,115			113,573			97,296			91,459
Loans charged off:
Commercial		4,502			9,112			8,653			17,962
Mortgage		415			188			682			292
Installment		6,514			8,135			14,057			18,222
Home equity		571			542			1,323			1,327
Credit cards		2,662			2,941			5,082			5,696
Manufactured housing		—			27			—			313
Leases		758			396			2,365			1,195
Total		15,422			21,341			32,162			45,007
Recoveries:
Commercial		1,184			2,466			2,212			3,364
Mortgage		52			7			107			32
Installment		2,580			3,194			5,305			6,041
Home equity		318			306			611			681
Credit cards		734			791			1,310			1,474
Manufactured housing		147			255			355			677
Leases		129			139			189			279
Total		5,144			7,158			10,089			12,548
Net charge-offs		10,278			14,183			22,073			32,459
Allowance related to loans sold		—			(12,671	)		—			(12,671	)
Provision for loan losses		5,971			14,850			17,585			55,240
Allowance for loan losses — end of period	$	92,808			101,569			92,808			101,569
Average loans outstanding	$	6,601,204			6,540,974			6,546,926			6,533,061
Ratio to average loans:
(Annualized) net charge-offs		0.62	%		0.87	%		0.68	%		1.00	%
Provision for loan losses		0.36	%		0.91	%		0.54	%		1.70	%
Loans outstanding — period-end	$	6,611,011			6,520,001			6,611,011			6,520,001
Allowance for loan losses:
As a percent of period-end loans outstanding		1.40	%		1.56	%		1.40	%		1.56	%
As a multiple of (annualized) net charge-offs		2.25			1.78			2.09			1.56
As a multiple of (annualized) net charge-offs and allowance related to loans sold		2.25			1.46			2.09			1.30

(a) As of December 31, 2004, the reserve for unfunded lending commitments has been reclassified from the allowance for loan losses to other liabilities. Amounts presented prior to December 31, 2004 have been reclassified to conform to the current presentation.

Page 15