FirstMerit (FMER) 8-K 2005 Financial Information Third Quarter

Exhibit 99.1

2005 Financial Information Third 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

FIRSTMERIT REPORTS 16% INCREASE
IN THIRD QUARTER 2005 EARNINGS PER SHARE

Third Quarter Highlights

• Diluted earnings per share of $0.43

• Net income of $36.6 million

• Return on average common equity of 14.90%

• Return on average assets of 1.41%

Akron, Ohio — October 20, 2005 —FirstMerit Corporation (Nasdaq: FMER) today announced third quarter 2005 net income of $36.6 million, or $0.43 per diluted share, up from $31.1 million, or $0.37 per diluted share, for the third quarter of 2004. Annualized returns on average common equity (“ROE”) and average assets (“ROA”) for the quarter were 14.90% and 1.41%, respectively, compared with 12.78% and 1.21% for the third quarter of 2004.

For the first nine months of 2005, the Company reported net income of $102.8 million, or $1.22 per diluted share, up from $74.9 million, or $0.88 per diluted share, for the first nine months of 2004. ROE and ROA were 14.15% and 1.34%, respectively, compared with 10.16% and 0.96% for the prior-year period.

“FirstMerit’s third quarter results reflect continued progress with improving our overall earning asset mix to generate robust, longer-term revenue growth. We are steadily reducing the proportion of lower-yielding investment securities on our balance sheet and growing our loan portfolio.” said John R. Cochran, chairman and CEO. “These steps supported our net interest margin against further erosion this quarter amidst a challenging interest rate environment.”

Focusing on FirstMerit’s loan growth during the third quarter of 2005, Mr. Cochran added, “End of period commercial loan balances increased $80 million, or 2.33%, from the prior quarter. These strong results from our commercial banking team reflect significant activity in the latter part of September enhanced by a seasonal strengthening in demand. This pickup also provides us with momentum for the latter part of this year and into 2006.”

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Mr. Cochran also commented on the Company’s fee income during the third quarter, “Service charges improved strongly over the past quarter and on a year-over-year basis. Additionally, our strong sales culture drove another quarter of improved performance within our cross-sell metrics and is a key part of our initiative to promote higher levels of profitability in every client relationship.”

Total revenue, defined as net interest income on a fully-tax equivalent (“FTE”) basis plus non-interest income net of securities transactions, was $136.2 million for the third quarter of 2005, compared with $132.1 million in the prior-year quarter, an increase of 3.07%. FTE net interest income increased 0.34% year-over-year, to $88.3 million. The net interest margin declined 1 basis point to 3.70%, while average earning assets increased $23.9 million to $9.5 billion. The Company continues to progress on its goal of remixing the balance sheet by replacing lower-yielding investment securities with higher-yielding assets. During the third quarter of 2005, the average investment portfolio decreased by $148.7 million, or 5.10%, compared with the third quarter of 2004, while average loans increased $171.6 million, or 2.65%, to $6.6 billion.

Non-interest income for the third quarter of 2005 totaled $47.8 million, compared with $44.1 million for the third quarter of 2004, an increase of 8.55%. Excluding net securities gains, non-interest income was $47.8 million in the third quarter of 2005 and $44.0 million in the same period last year. Once again this quarter the Company is executing on its initiative of building a more profitable retail client relationship. During the third quarter of 2005, service charges on deposits rose $2.7 million, or 16.71%, compared with the third quarter of 2004. Credit card fees increased $0.9 million, or 8.93%, in the third quarter of 2005 compared with the year-ago quarter.

Non-interest expense totaled $78.9 million for the third quarter of 2005, compared with $77.3 million for the third quarter of 2004, an increase of 2.17%. The efficiency ratio for the quarter was 57.81%, compared with 58.31% for the year ago quarter.

Federal income tax expense was $10.1 million and $13.8 million for the quarters ended September 30, 2005 and 2004, respectively. The effective tax rate for the third quarter 2005 was 21.6% compared to 30.7% for the same quarter in 2004. The reduction in the third quarter 2005 was the result of the release of tax reserves which had been established for tax years no longer subject to review because the tax statute expired. For the nine months ended September 30, 2005 and 2004, the federal income tax expense was $39.8 million (effective rate of 27.9%) and $27.3 million (effective rate of 26.7%) for 2005 and 2004, respectively.

As of September 30, 2005, nonperforming assets were $51.4 million, or 0.77% of period-end loans plus other real estate, compared with $54.0 million, or 0.82%, as of June 30, 2005, and $47.8 million or 0.74%, as of September 30, 2004. Net charge-offs for the third quarter of 2005 were $10.0 million, compared with $10.4 million for the third quarter of 2004, a decline of $0.4 million, or 3.85%. Compared with the previous quarter, net charge-offs decreased $0.3 million, or 2.69%. Annualized net charge-offs to average loans in the third quarter of 2005 improved to 0.60%, compared with 0.62% for

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the prior quarter and 0.64% for the third quarter of 2004. The third quarter of 2005 annualized net charge-offs to average loans results marks the Company’s seventh consecutive quarter of year-over-year net charge-off improvement.

The Company recorded $10.0 million of loan loss provision in the third quarter of 2005, compared with $9.3 million in the third quarter of 2004. In the second quarter of 2005, the loan loss provision was $6.0 million. The increase in loan loss provision from the previous quarter reflects the dramatic drop in the Company’s level of criticized commercial loans in the second quarter of 2005 resulting in a lower loan loss provision for that quarter. During the third quarter of 2005, the level of criticized loans improved moderately from the prior quarter and this level of recovery factored into the Company’s reserving methodology. The allowance for credit losses (sum of the allowance for loan losses and the reserve for unfunded lending commitments) at September 30, 2005 was 1.47% of period-end loans, compared with 1.49% on June 30, 2005 and 1.64% on September 30, 2004.

Assets at September 30, 2005 totaled $10.3 billion, up 1.19% from September 30, 2004. Period-end loan growth of $233.5 million, or 3.61%, was driven by commercial loans and home equity loans increasing 6.49% and 15.09%, respectively. Investment securities and federal funds sold decreased $195.2 million, or 6.79%, over the same time period.

Deposits totaled $7.4 billion at September 30, 2005, compared with $7.4 billion on September 30, 2004. Compared with June 30, 2005, total deposits increased $178.2 million, or 2.48%. The Company’s focus on generating increased volume of lower cost demand deposit accounts (DDA) over the past year partly offset a decline in savings and money market accounts and relieved some pressure on funding costs during a time of rising short term interest rates. Year-over-year, DDA have increased $148.5 million, or 6.74%, while DDA totals at September 30, 2005 increased $77.2 million, or 3.40%, compared with June 30, 2005. Over those same time periods, savings and money market accounts have declined $122.4 million, or 5.04%, and $43.0 million, or 1.83%, respectively. The Company’s core deposit concentration is 63.37% of deposits at September 30, 2005, compared with 62.80% at September 30, 2004.

Shareholders’ equity was $972.3 million on September 30, 2005. The Company’s capital position remains strong as tangible equity to assets was 8.17%, compared with 8.34% on September 30, 2004. The common dividend paid during the quarter was $0.28 per share, a $0.01 increase from the prior-year quarter. During the third quarter of 2005 the Company repurchased 178,872 common shares. Period-end common shares outstanding totaled 83.4 million.

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Third Quarter 2005 Highlights

FirstMerit Corp. announced an increase in quarterly dividend to $.28 per share, up $.01 from the previous quarterly dividend of $0.27 per common share.

FirstMerit Bank has been listed as a “Blue Ribbon Bank” by Veribanc Inc. The rating is given to banks that demonstrate fiscal safety and financial strength for a minimum of eight consecutive quarters.

FirstMerit Corp. has appointed Michael Hochschwender, president & CEO, The Smithers Group, to its corporate board of directors. The appointment fills an existing vacancy on the board and increases the number of directors to 14. Mr. Hochschwender has more than 20 years of corporate management and consulting experience. Currently, he is president and CEO of The Smithers Group, a position he has held since 1996.

Conference Call Information

FirstMerit’s senior management will host an earnings conference call on October 20, 2005, at 2:00 p.m. EDT to provide an overview of third 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 October 21, 2005 through 12:00 a.m. on November 5, 2005, by dialing (877) 519-4471, reservation number 6610353.

The third quarter 2005 earnings release will be available at approximately 7:30 a.m. on the Internet athttp://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.

About FirstMerit

FirstMerit Corporation is a diversified financial services company headquartered in Akron, Ohio, with assets of $10.3 billion as of September 30, 2005, and 160 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)
(Dollars in thousands)

	Quarters
	2005			2005			2005			2004			2004
EARNINGS	3rd Qtr			2nd Qtr			1st Qtr			4th Qtr			3rd Qtr
Net interest income FTE (a)	$	88,347			88,432			86,685			87,993			88,051
Provision for loan losses		9,974			5,972			11,614			9,358			9,325
Other income		47,846			50,095			44,939			39,402			44,078
Other expenses		78,926			79,397			75,911			80,279			77,250
FTE adjustment (a)		641			655			675			669			679
Net income		36,594			36,145			30,088			28,369			31,111
Diluted EPS		0.43			0.43			0.36			0.33			0.37
PERFORMANCE RATIOS
Return on average assets (ROA)		1.41	%		1.40	%		1.19	%		1.12	%		1.21	%
Return on average common equity (ROE)		14.90	%		15.07	%		12.48	%		11.49	%		12.78	%
Net interest margin FTE (a)		3.70	%		3.74	%		3.73	%		3.76	%		3.71	%
Efficiency ratio		57.81	%		57.14	%		58.33	%		60.69	%		58.31	%
Number of full-time equivalent employees		3,073			3,078			3,081			3,158			3,232
MARKET DATA
Book value/common share	$	11.65			11.69			11.32			11.66			11.62
Period-end common share mkt value		26.79			26.11			26.76			28.49			26.31
Market as a % of book		230	%		223	%		236	%		244	%		226	%
Cash dividends/common share	$	0.28			0.27			0.27			0.27			0.27
Common stock dividend payout ratio		65.12	%		62.79	%		75.00	%		81.82	%		72.97	%
Average basic common shares		83,489			83,603			84,097			84,286			84,544
Average diluted common shares		83,978			83,890			84,497			84,777			84,962
Period end common shares		83,442			83,522			83,612			84,191			84,302
Common shares repurchased		178,872			145,143			816,208			197,235			562,538
Common stock market capitalization	$	2,235,411			2,180,759			2,237,457			2,398,602			2,217,986
ASSET QUALITY
Gross charge-offs	$	14,207			15,422			16,740			17,873			16,119
Net charge-offs		10,002			10,278			11,795			12,553			10,403
Allowance for loan losses (b)		92,780			92,808			97,115			97,296			100,491
Reserve for unfunded lending commitments (b)		5,857			5,785			6,479			5,774			5,619
Nonperforming assets (NPAs)		51,398			53,985			46,703			45,891			47,789
Net charge-off/average loans ratio		0.60	%		0.62	%		0.74	%		0.78	%		0.64	%
Allowance for loan losses/period-end loans		1.39	%		1.40	%		1.49	%		1.51	%		1.56	%
Allowance for credit losses/period-end loans (c)		1.47	%		1.49	%		1.59	%		1.60	%		1.64	%
NPAs/loans and other real estate		0.77	%		0.82	%		0.71	%		0.71	%		0.74	%
Allowance for loan losses/nonperforming loans		221.46	%		208.74	%		235.71	%		240.14	%		240.03	%
Allowance for credit losses/nonperforming loans (c)		235.44	%		221.76	%		251.44	%		254.39	%		253.45	%
CAPITAL & LIQUIDITY
Period-end tangible equity to assets		8.17	%		8.19	%		7.93	%		8.39	%		8.34	%
Average equity to assets		9.46	%		9.32	%		9.56	%		9.70	%		9.43	%
Average equity to loans		14.66	%		14.58	%		15.06	%		15.26	%		14.96	%
Average loans to deposits		91.73	%		90.16	%		88.27	%		86.69	%		86.79	%
AVERAGE BALANCES
Assets (b)	$	10,295,827			10,329,167			10,226,765			10,120,109			10,268,456
Deposits		7,245,562			7,321,860			7,354,689			7,421,815			7,459,927
Loans		6,646,112			6,601,204			6,492,044			6,434,115			6,474,512
Earning assets		9,465,288			9,489,431			9,421,693			9,314,744			9,441,368
Shareholders’ equity		974,147			962,239			977,888			982,147			968,697
ENDING BALANCES
Assets (b)	$	10,290,243			10,314,268			10,274,154			10,122,627			10,164,098
Deposits		7,352,026			7,173,857			7,324,551			7,365,447			7,377,108
Loans		6,695,290			6,611,011			6,530,546			6,433,083			6,461,741
Goodwill		139,245			139,245			139,245			139,245			139,245
Intangible assets		3,978			4,200			4,424			4,647			4,869
Earning assets		9,429,183			9,492,583			9,453,738			9,343,491			9,377,760
Total shareholders’ equity		972,348			976,016			946,731			981,257			979,640

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	September 30,			December 31,			September 30,
audited financial statements)	2005			2004			2004
ASSETS
Cash and due from banks	$	216,236			169,052			184,428
Investment securities (at fair value) and federal funds sold		2,679,650			2,862,015			2,874,878
Loans held for sale		54,243			48,393			41,141
Loans:
Commercial loans		3,503,276			3,285,012			3,289,907
Mortgage loans		634,914			639,715			633,545
Installment loans		1,578,883			1,598,588			1,631,269
Home equity loans		765,476			676,230			665,127
Credit card loans		140,314			145,042			140,635
Leases		72,427			88,496			101,258
Total loans		6,695,290			6,433,083			6,461,741
Less allowance for loan losses (a)		(92,780	)		(97,296	)		(100,491	)
Net loans		6,602,510			6,335,787			6,361,250
Premises and equipment, net		115,916			121,198			120,891
Goodwill		139,245			139,245			139,245
Intangible assets		3,978			4,647			4,869
Accrued interest receivable and other assets		478,465			442,290			443,015
Total assets	$	10,290,243			10,122,627			10,169,717
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand-non-interest bearing	$	1,472,471			1,470,543			1,388,745
Demand-interest bearing		878,851			841,595			814,103
Savings and money market accounts		2,307,824			2,384,510			2,430,188
Certificates and other time deposits		2,692,880			2,668,799			2,744,072
Total deposits		7,352,026			7,365,447			7,377,108
Securities sold under agreements to repurchase		1,465,697			1,336,471			1,361,442
Wholesale borrowings		352,250			300,220			300,784
Accrued taxes, expenses, and other liabilities (a)		147,922			139,232			150,743
Total liabilities		9,317,895			9,141,370			9,190,077
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 September 30, 2005, December 31, 2004 and September 30, 2004		127,937			127,937			127,937
Capital surplus		108,711			110,513			110,296
Accumulated other comprehensive loss		(33,923	)		(14,208	)		(13,385	)
Retained earnings		990,219			956,802			951,319
Treasury stock, at cost, 8,584,782, 7,835,399 and 7,724,341 shares at September 30, 2005, December 31, 2004 and September 30, 2004, respectively		(220,596	)		(199,787	)		(196,527	)
Total shareholders’ equity		972,348			981,257			979,640
Total liabilities and shareholders’ equity	$	10,290,243			10,122,627			10,169,717

(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)	Sept 30,				June 30,			March 31,			Dec 31,			Sept 30,
(Dollars in thousands)	2005				2005			2005			2004			2004
ASSETS
Cash and due from banks	$	197,412				197,548			190,740			198,077			219,025
Investment securities/fed funds sold		2,764,724				2,833,818			2,876,415			2,831,253			2,913,395
Loans held for sale		54,452				54,409			53,234			49,376			53,461
Loans:
Commercial loans		3,441,231				3,434,946			3,346,425			3,272,545			3,286,775
Mortgage loans		641,532				641,865			646,528			642,569			637,796
Installment loans		1,594,801				1,601,775			1,598,953			1,612,132			1,646,826
Home equity loans		754,492				704,054			674,913			670,366			654,882
Credit card loans		140,873				137,919			141,440			141,953			141,751
Leases		73,183				80,645			83,785			94,550			106,482
Total loans		6,646,112				6,601,204			6,492,044			6,434,115			6,474,512
Less allowance for loan losses (a)		91,852				96,342			96,438			99,675			101,119
Net loans		6,554,260				6,504,862			6,395,606			6,334,440			6,373,393
Total earning assets		9,465,288				9,489,431			9,421,693			9,314,744			9,441,368
Premises and equipment, net		117,471				118,392			119,916			121,147			121,672
Accrued interest receivable and other assets		607,508				620,138			590,854			585,816			587,510
TOTAL ASSETS	$	10,295,827				10,329,167			10,226,765			10,120,109			10,268,456
LIABILITIES
Deposits:
Demand-non-interest bearing	$	1,457,487				1,470,673			1,447,226			1,462,830			1,396,593
Demand-interest bearing		838,549				834,708			820,974			829,650			809,707
Savings and money market accounts		2,333,331				2,370,280			2,392,023			2,423,790			2,495,659
Certificates and other time deposits		2,616,195				2,646,199			2,694,466			2,705,545			2,757,968
Total deposits		7,245,562				7,321,860			7,354,689			7,421,815			7,459,927
Securities sold under agreements to repurchase		1,478,857				1,385,644			1,326,242			1,262,156			1,394,398
Wholesale borrowings		442,035				498,088			412,149			300,550			300,477
Total funds		9,166,454				9,205,592			9,093,080			8,984,521			9,154,802
Accrued taxes, expenses and other liabilities (a)		155,226				161,336			155,797			153,441			144,957
Total liabilities		9,321,680				9,366,928			9,248,877			9,137,962			9,299,759
SHAREHOLDERS’ EQUITY
Preferred stock		—				—			—			—			—
Common stock		127,937				127,937			127,937			127,937			127,937
Capital surplus		108,564				108,559			108,478			110,217			110,297
Accumulated other comprehensive (loss) income		(25,682	)			(26,883	)		(16,998	)		(12,559	)		(29,493	)
Retained earnings		982,419				968,408			960,740			953,566			950,094
Treasury stock		(219,091	)			(215,782	)		(202,269	)		(197,014	)		(190,138	)
Total shareholders’ equity		974,147				962,239			977,888			982,147			968,697
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	10,295,827				10,329,167			10,226,765			10,120,109			10,268,456

(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)	September 30, 2005								December 31, 2004								September 30, 2004
	Average					Average			Average					Average			Average					Average
	Balance			Interest		Rate			Balance			Interest		Rate			Balance			Interest		Rate
ASSETS
Cash and due from banks	$	197,412								213,994								219,025
Investment securities and federal funds sold:
U.S. Treasury securities and U.S. Government agency obligations (taxable)		2,408,219			22,621		3.73	%		2,602,317			97,037		3.73	%		2,550,174			23,871		3.72	%
Obligations of states and political subdivisions (tax exempt)		99,273			1,638		6.55	%		103,402			7,311		7.07	%		104,296			1,839		7.01	%
Other securities and federal funds sold		257,232			3,056		4.71	%		261,765			9,765		3.73	%		258,925			2,404		3.69	%
Total investment securities and federal funds sold		2,764,724			27,315		3.92	%		2,967,484			114,113		3.85	%		2,913,395			28,114		3.84	%
Loans held for sale		54,452			660		4.81	%		55,002			2,089		3.80	%		53,461			535		3.98	%
Loans		6,646,112			110,535		6.60	%		6,493,472			383,905		5.91	%		6,474,512			95,858		5.89	%
Total earning assets		9,465,288			138,510		5.81	%		9,515,958			500,107		5.26	%		9,441,368			124,507		5.25	%
																��
Allowance for loan losses		(91,852	)							(100,959	)							(101,119	)
Other assets		724,979								689,312								709,182
Total assets	$	10,295,827								10,318,305								10,268,456
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand — non-interest bearing	$	1,457,487			—		—			1,398,112			—		—			1,396,593			—		—
Demand — interest bearing		838,549			1,732		0.82	%		805,419			2,152		0.27	%		809,707			579		0.28	%
Savings and money market accounts		2,333,331			8,700		1.48	%		2,473,728			19,145		0.77	%		2,495,659			5,009		0.80	%
Certificates and other time deposits		2,616,195			21,637		3.28	%		2,762,975			81,540		2.95	%		2,757,968			19,848		2.86	%
Total deposits		7,245,562			32,069		1.76	%		7,440,234			102,837		1.38	%		7,459,927			25,436		1.36	%
Securities sold under agreements to repurchase		1,478,857			12,535		3.36	%		1,447,629			26,259		1.81	%		1,394,398			6,668		1.90	%
Wholesale borrowings		442,035			5,559		4.99	%		307,867			17,494		5.68	%		300,477			4,352		5.76	%
Total interest bearing liabilities		7,708,967			50,163		2.58	%		7,797,618			146,590		1.88	%		7,758,209			36,456		1.87	%
Other liabilities		155,226								139,046								144,957
Shareholders’ equity		974,147								983,529								968,697
Total liabilities and shareholders’ equity	$	10,295,827								10,318,305								10,268,456
Net yield on earning assets	$	9,465,288			88,347		3.70	%		9,515,958			353,517		3.71	%		9,441,368			88,051		3.71	%
Interest rate spread							3.22	%							3.38	%							3.38	%

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

	Quarters ended					Nine months ended
(Unaudited)	September 30,					September 30,
(In thousands except per share data)	2005			2004		2005			2004
Interest income:
Interest and fees on loans, including held for sale	$	111,169			96,374		317,293			287,127
Interest and dividends on investment securities and federal funds sold		26,700			27,454		82,194			84,886
Total interest income		137,869			123,828		399,487			372,013
Interest expense:
Interest on deposits:
Demand-interest bearing		1,732			579		3,918			1,448
Savings and money market accounts		8,700			5,009		22,592			13,835
Certificates and other time deposits		21,637			19,848		62,933			61,077
Interest on securities sold under agreements to repurchase		12,535			6,668		32,000			19,077
Interest on wholesale borrowings		5,559			4,352		16,551			13,095
Total interest expense		50,163			36,456		137,994			108,532
Net interest income		87,706			87,372		261,493			263,481
Provision for loan losses		9,974			9,325		27,560			64,565
Net interest income after provision for loan losses		77,732			78,047		233,933			198,916
Other income:
Trust department income		5,515			5,228		16,704			16,280
Service charges on deposits		18,561			15,903		51,181			47,027
Credit card fees		10,437			9,581		30,371			27,791
ATM and other service fees		3,453			3,168		9,710			8,987
Bank owned life insurance income		3,074			2,992		9,172			9,201
Investment services and insurance		2,226			2,931		7,912			10,290
Manufactured housing income		3			5		145			155
Investment securities gains, net		40			29		1,887			1,511
Loan sales and servicing income		2,076			1,630		4,729			4,042
Other operating income		2,461			2,611		11,069			9,599
Total other income		47,846			44,078		142,880			134,883
Other expenses:
Salaries, wages, pension and employee benefits		42,149			41,096		122,893			119,296
Net occupancy expense		5,567			5,546		17,984			17,089
Equipment expense		2,962			3,140		9,149			9,998
Stationery, supplies and postage		2,559			2,606		7,504			7,895
Bankcard, loan processing and other costs		5,802			6,261		16,970			17,952
Professional services		2,632			2,780		8,625			9,903
Amortization of intangibles		222			222		667			667
Other operating expense		17,033			15,599		50,442			48,850
Total other expenses		78,926			77,250		234,234			231,650
Income before income tax expense		46,652			44,875		142,579			102,149
Federal income taxes		10,058			13,764		39,752			27,304
Net income	$	36,594			31,111		102,827			74,845
Other comprehensive income (loss), net of taxes
Unrealized securities’ holding gains (losses), net of taxes		(14,246	)		28,235		(18,305	)		(2,928	)
Minimum pension liability adjustment, net of taxes		—			—		(183	)		—
Less: reclassification adjustment for securities’ gains (losses) realized in net income, net of taxes		26			19		1,227			982
Total other comprehensive income (loss), net of taxes		(14,272	)		28,216		(19,715	)		(3,910	)
Comprehensive income	$	22,322			59,327		83,112			70,935
Net income applicable to common shares	$	36,594			31,111		102,827			74,845
Net income used in diluted EPS calculation	$	36,601			31,119		102,848			74,867
Weighted average number of common shares outstanding — basic		83,489			84,544		83,727			84,707
Weighted average number of common shares outstanding — diluted		83,978			84,962		84,105			85,087
Basic earnings per share	$	0.44			0.36		1.23			0.88
Diluted earnings per share	$	0.43			0.37		1.22			0.88
Dividend per share	$	0.28			0.27		0.82			0.79

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				2005			2004			2004
	3rd Q			2nd Q				1st Q			4th Q			3rd Q
Interest and fees on loans, including held for sale	$	111,169			105,975				100,149			98,792			96,374
Interest and dividends — securities and federal funds sold		26,700			27,802				27,692			26,590			27,454
Total interest income		137,869			133,777				127,841			125,382			123,828
Interest on deposits:
Demand-interest bearing		1,732			1,230				956			704			579
Savings and money market accounts		8,700			7,517				6,375			5,310			5,009
Certificates and other time deposits		21,637			20,696				20,600			20,463			19,848
Securities sold under agreements to repurchase		12,535			10,624				8,841			7,182			6,668
Wholesale borrowings		5,559			5,933				5,059			4,399			4,352
Total interest expense		50,163			46,000				41,831			38,058			36,456
Net interest income		87,706			87,777				86,010			87,324			87,372
Provision for loan losses		9,974			5,972				11,614			9,358			9,325
Net interest income after provision for loan losses		77,732			81,805				74,396			77,966			78,047
Other income:
Trust department income		5,515			5,684				5,505			5,315			5,228
Service charges on deposits		18,561			17,800				14,820			15,135			15,903
Credit card fees		10,437			10,523				9,411			9,937			9,581
ATM and other service fees		3,453			3,298				2,959			2,892			3,168
Bank owned life insurance income		3,074			3,024				3,074			3,113			2,992
Investment services and insurance		2,226			2,828				2,858			2,560			2,931
Manufactured housing income		3			40				102			10			5
Investment securities gains (losses), net		40			(25	)			1,872			(4,508	)		29
Loan sales and servicing income		2,076			1,520				1,133			2,033			1,630
Other operating income		2,461			5,403				3,205			2,915			2,611
Total other income		47,846			50,095				44,939			39,402			44,078
Other expenses:
Salaries, wages, pension and employee benefits		42,149			41,351				39,393			40,756			41,096
Net occupancy expense		5,567			5,881				6,536			5,468			5,546
Equipment expense		2,962			3,002				3,185			3,347			3,140
Stationery, supplies and postage		2,559			2,484				2,461			2,821			2,606
Bankcard, loan processing and other costs		5,802			5,444				5,724			6,355			6,261
Professional services		2,632			3,843				2,150			3,785			2,780
Amortization of intangibles		222			222				223			222			222
Other operating expense		17,033			17,170				16,239			17,525			15,599
Total other expenses		78,926			79,397				75,911			80,279			77,250
Income before income tax expense		46,652			52,503				43,424			37,089			44,875
Federal income taxes		10,058			16,358				13,336			8,720			13,764
Net income	$	36,594			36,145				30,088			28,369			31,111
Other comprehensive income (loss), net of taxes		(14,272	)		18,540				(23,983	)		(823	)		28,216
Comprehensive income	$	22,322			54,685				6,105			27,546			59,327
Net income applicable to common shares		36,594			36,145		��		30,088			28,369			31,111
Adjusted net income used in diluted EPS calculation		36,601			36,152				30,095			28,377			31,119
Weighted-average common shares — basic		83,489			83,603				84,097			84,286			84,544
Weighted-average common shares — diluted		83,978			83,890				84,497			84,777			84,962
Basic net income per share	$	0.44			0.43				0.36			0.34			0.36
Diluted net income per share	$	0.43			0.43				0.36			0.33			0.37

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
	Sep 30			June 30			Mar 31			Dec 31			Sep 30			Dec 31
	2005			2005			2005			2004			2004			2004
Allowance for Credit Losses (a)
Allowance for loan losses, beginning of period (b)	$	92,808			97,115			97,296			100,491			101,569			91,459
Allowance related to loans sold		—			—			—			—			—			(12,671	)
Provision for loan losses		9,974			5,971			11,614			9,358			9,325			73,923
Charge-offs		14,207			15,422			16,740			17,873			16,119			78,999
Recoveries		4,205			5,144			4,945			5,320			5,716			23,584
Net charge-offs		10,002			10,278			11,795			12,553			10,403			55,415
Allowance for loan losses, end of period	$	92,780			92,808			97,115			97,296			100,491			97,296
Reserve for unfunded lending commitments, beginning of period (b)	$	5,785			6,479			5,774			5,619			5,992			6,094
Provision for credit losses		72			(694	)		705			155			(373	)		(320	)
Reserve for unfunded lending commitments, end of period	$	5,857			5,785			6,479			5,774			5,619			5,774
Allowance for Credit Losses	$	98,637			98,593			103,594			103,070			106,110			103,070
Ratios (a) (b)
Provision for loan losses as a % of average loans		0.60	%		0.36	%		0.73	%		0.58	%		0.57	%		1.13	%
Provision for credit losses as a % of average loans		0.00	%		-0.04	%		0.04	%		0.01	%		-0.02	%		0.00	%
Net charge-offs as a % of average loans		0.60	%		0.62	%		0.74	%		0.78	%		0.64	%		0.85	%
Allowance for loan losses as a % of period-end loans		1.39	%		1.40	%		1.49	%		1.51	%		1.56	%		1.51	%
Allowance for credit losses as a % of period-end loans		1.47	%		1.49	%		1.59	%		1.60	%		1.64	%		1.60	%
Allowance for loan losses as a % of nonperforming loans		221.46	%		208.74	%		235.71	%		240.14	%		240.03	%		240.14	%
Allowance for credit losses as a % of nonperforming loans		235.44	%		221.76	%		251.44	%		254.39	%		253.45	%		254.39	%
Asset Quality
Impaired loans:
Nonaccrual	$	34,144			38,124			34,207			33,831			33,812			33,831
Other nonperforming loans:
Nonaccrual		7,751			6,336			6,994			6,685			8,054			6,685
Total nonperforming loans		41,895			44,460			41,201			40,516			41,866			40,516
Other real estate (“ORE”)		9,503			9,525			5,502			5,375			5,923			5,375
Total nonperforming assets (“NPAs”)	$	51,398			53,985			46,703			45,891			47,789			45,891
NPAs as % of period-end loans + ORE		0.77	%		0.82	%		0.71	%		0.71	%		0.74	%		0.71	%
Past due 90 days or more & accruing interest	$	21,451			17,969			22,899			20,703			30,882			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			2005		2004			2004
	3rd Qtr		2nd Qtr			1st Qtr		4th Qtr			3rd Qtr
QUARTERLY OTHER INCOME DETAIL
Trust department income	$	5,515		5,684			5,505		5,315			5,228
Service charges on deposits		18,561		17,800			14,820		15,135			15,903
Credit card fees		10,437		10,523			9,411		9,937			9,581
ATM and other service fees		3,453		3,298			2,959		2,892			3,168
Bank owned life insurance income		3,074		3,024			3,074		3,113			2,992
Investment services and insurance		2,226		2,828			2,858		2,560			2,931
Manufactured housing income		3		40			102		10			5
Investment securities gains (losses), net		40		(25	)		1,872		(4,508	)		29
Loan sales and servicing income		2,076		1,520			1,133		2,033			1,630
Other operating income		2,461		5,403			3,205		2,915			2,611
Total Other Income	$	47,846		50,095			44,939		39,402			44,078

	2005		2005		2005		2004		2004
	3rd Qtr		2nd Qtr		1st Qtr		4th Qtr		3rd Qtr
QUARTERLY OTHER EXPENSES DETAIL
Salaries, wages, pension and employee benefits	$	42,149		41,351		39,393		40,756		41,096
Net occupancy expense		5,567		5,881		6,536		5,468		5,546
Equipment expense		2,962		3,002		3,185		3,347		3,140
Taxes, other than federal income taxes		849		880		735		908		1,387
Stationery, supplies and postage		2,559		2,484		2,461		2,821		2,606
Bankcard, loan processing and other costs		5,802		5,444		5,724		6,355		6,261
Advertising		1,863		3,182		1,244		2,984		1,807
Professional services		2,632		3,843		2,150		3,785		2,780
Telephone		1,206		1,095		1,119		1,204		1,146
Amortization of intangibles		222		222		223		222		222
Other operating expense		13,115		12,013		13,141		12,429		11,259
Total Other Expenses	$	78,926		79,397		75,911		80,279		77,250

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

Page 14

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

(Unaudited)
(Dollars in thousands)

	Quarters ended						Nine months ended
	September 30,						September 30,
	2005			2004			2005			2004
Allowance for loan losses — beginning of period (a)	$	92,808			101,569			97,296			91,459
Loans charged off:
Commercial		2,805			2,866			11,458			20,828
Mortgage		400			306			1,082			598
Installment		6,187			8,540			20,244			26,762
Home equity		1,918			995			3,241			2,322
Credit cards		2,652			3,009			7,734			8,705
Manufactured housing		—			130			—			443
Leases		245			273			2,610			1,468
Total		14,207			16,119			46,369			61,126
Recoveries:
Commercial		698			1,477			2,910			4,841
Mortgage		70			—			177			32
Installment		2,312			2,747			7,617			8,788
Home equity		317			392			928			1,073
Credit cards		549			791			1,859			2,265
Manufactured housing		153			219			507			896
Leases		106			90			295			369
Total		4,205			5,716			14,293			18,264
Net charge-offs		10,002			10,403			32,076			42,862
Allowance related to loans sold		—			—			—			(12,671	)
Provision for loan losses		9,974			9,325			27,560			64,565
Allowance for loan losses — end of period	$	92,780			100,491			92,780			100,491
Average loans outstanding	$	6,646,112			6,474,512			6,580,351			6,513,403
Ratio to average loans:
(Annualized) net charge-offs		0.60	%		0.64	%		0.65	%		0.88	%
Provision for loan losses		0.60	%		0.57	%		0.56	%		1.32	%
Loans outstanding — period-end	$	6,695,290			6,461,741			6,695,290			6,461,741
Allowance for loan losses:
As a percent of period-end loans outstanding		1.39	%		1.56	%		1.39	%		1.56	%
As a multiple of (annualized) net charge-offs		2.34			2.43			2.16			1.76
As a multiple of (annualized) net charge-offs and allowance related to loans sold		2.34			2.43			2.16			1.44

(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