FirstMerit (FMER) 8-K Entry into a Material Definitive Agreement

Exhibit 99.2

2005 Financial Information Fourth 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 January 19, 2006, 7:30 a.m. EST
Analysts: Tom O’Malley	Media: Jacque Sir Louis
(330) 384-7109	(330) 849-8877

FirstMerit Reports 14% Increase in Fourth Quarter 2005
and 32% Increase in Full Year 2005 Earnings Per Share

Fourth Quarter Highlights

• Diluted earnings per share of $0.38

• Net income of $31.2 million

• Return on average common equity of 12.98%

• Return on average assets of 1.21%

AKRON, Ohio, — January 19, 2006 —FirstMerit Corporation (Nasdaq: FMER) today announced full year 2005 net income of $134.0 million, or $1.60 per diluted share. This compares with $103.2 million, or $1.21 per diluted share, for 2004. For the fourth quarter of 2005, the Company reported net income of $31.2 million, or $0.38 per diluted share, compared with $28.4 million, or $0.33 per share, for the prior-year quarter.

Returns on average common equity (“ROE”) and average assets (“ROA”) for the full year were 13.86 % and 1.31%, respectively, compared with 10.49% and 1.00% for 2004. Fourth quarter ROE and ROA were 12.98% and 1.21%, respectively, compared with 11.49% and 1.12% for the prior-year quarter.

“In 2005 we moved forward on five major initiatives to enhance the value of the franchise,” said John R. Cochran, chairman and CEO. “Progress in credit quality is reflected in the $10.0 million reduction, or 17.97% decrease, in net charge-offs. In light of the flurry of increased charge-offs experienced at the end of the year due to changes in bankruptcy legislation, I am confident that we will advance further on our credit quality goals in 2006. Our focus on restoring asset quality did not impede our success regenerating revenue production. Revenue growth over the prior year was supported by solid gains in fee income from measures taken over this past year combined with the effect of longer-term investments in the development of our strong sales and service culture. I am also pleased with the course we have taken in de-leveraging our balance sheet. The ongoing restructuring of our earning asset mix has been vital to expanding our net interest margin and insulating it from volatility given the interest rate environment this past year.”

Mr. Cochran continued, “Diligence in expense management was demonstrated by an improved efficiency ratio including restraint on operating expenses, which grew less than 1% in 2005. Finally, the Company was resourceful with its capital management program

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this past year, highlighted by the repurchase of over 2.4 million shares from the previously authorized 3.0 million share buyback program.”

Total revenue, defined as net interest income on a fully tax-equivalent (“FTE”) basis plus noninterest income net of securities transactions, totaled $540.2 million for 2005, compared with $530.8 million reported in 2004. FTE net interest income was $351.6 million for 2005, a decline of 0.54% from $353.5 million in 2004, slightly offset by the impact of a 2 basis point increase in the net interest margin to 3.73%. The execution of the Company’s balance sheet de-leverage strategy was instrumental in the expansion of the net interest margin. In 2005, the Company reduced its reliance on investment securities revenue, shrinking the average investment portfolio balance by $195.9 million, or 6.60%. During this time average loans grew $117.0 million, or 1.80%. The resulting $81.3 million decline in average earning assets in 2005 was closely matched with declines in higher cost time deposit accounts. For the fourth quarter of 2005, FTE net interest income was $88.2 million, compared with $88.0 million in the fourth quarter of 2004. In the fourth quarter of 2005, the average investment portfolio was $2.6 billion, down $212.0 million, or 7.49%, from the fourth quarter of 2004. Over that same time period, average loans increased $265.9 million, or 4.13%. Average investments accounted for 25.65% of average total assets in the quarter, compared with 27.98% for the fourth quarter of 2004, further reflecting the Company’s shift to a higher-yielding mix of earning assets.

Noninterest income excluding securities transactions totaled $188.5 million for 2005, compared with $177.3 million in 2004, an increase of $11.3 million, or 6.35%. Service charge on deposits increased $6.9 million, or 11.10%, while credit card fees increased $3.2 million, or 8.6%, acting as the primary drivers of the increase in annual noninterest income. For the fourth quarter of 2005, noninterest income, excluding securities transactions, was $47.5 million, an increase of $3.6 million, or 8.28%, compared with the fourth quarter of 2004. The increase was primarily due to the $3.8 million after tax other-than-temporary impairment charge for Federal National Mortgage Association and Federal Home Loan Mortgage Corporation perpetual preferred stock taken in the fourth quarter of 2004 and recorded in investment securities losses.

Noninterest expense totaled $313.5 million for 2005, compared with $311.9 million for 2004. The Company executed on its expense management initiative, holding operating expense growth to slightly under $1.6 million, or 0.5%, for the year and improving its efficiency ratio to 57.88%, compared with 58.60% for 2004. Noninterest expense totaled $79.3 million for the fourth quarter of 2005, compared with $80.3 million for the fourth quarter of 2004, a decrease of $1.0 million, or 1.25%. The efficiency ratio for the quarter was 58.26%, compared with 60.69% for the fourth quarter of 2004.

Net charge-offs totaled $45.5 million in 2005, compared with $55.4 million for 2004, or 0.69% and 0.85% of average loans, respectively. The $10.0 million, or 17.97%, reduction in net charge-offs reflects consecutive years of progress on the Company’s initiative for improving credit quality. During the fourth quarter of 2005, net charge-offs totaled $13.4 million, or 0.79% of average loans, compared with $12.6 million, or 0.78% of average loans for the fourth quarter of 2004. The increase in net charge-offs during the fourth quarter of 2005 resulted from $4.8 million in accelerated consumer bankruptcy

3

filings. As of December 31, 2005, nonperforming assets were $60.7 million, or 0.91% of period-end loans plus other real estate (“ORE”), compared with $45.9 million, or 0.71%, at December 31, 2004. The increase in nonperforming assets resulted from higher levels of ORE and a rise in nonaccrual loans due to deterioration in a small number of commercial credits during the fourth quarter of 2005, for which the Company has provided the appropriate reserves.

The Company recorded $38.4 million of loan loss provision expense in 2005, compared with loan loss provision expense of $73.9 million in 2004. Significant improvement in criticized commercial assets resulted in a decrease in required reserves. At December 31, 2005, criticized commercial assets accounted for 7.81% of total commercial loans, compared with criticized commercial asset levels of 9.64% at December 31, 2004, reflective of a $45.0 million decrease in criticized commercial assets. In the fourth quarter of 2005, loan loss provision expense was $10.9 million, compared with $9.4 million in the fourth quarter of 2004.

At December 31 2005, the allowance for loan losses was 1.35% of loans, compared with 1.51% at December 31, 2004. The allowance for credit losses is the sum of the allowance for loan losses and the reserve for unfunded lending commitments. For comparative purposes, the allowance for credit losses was 1.44% at December 31, 2005, compared with 1.47% at September 30, 2005, and 1.60% at December 31, 2004.

Assets at December 31, 2005 totaled $10.2 billion, compared with $10.1 billion at year-end 2004, representing an increase of $44.0 million, or 0.43%. Period-end loan growth of $253.2 million, or 3.94%, resulted primarily from growth in the commercial portfolio which increased $247.6 million, or 7.52%. Home equity loans increased $102.5 million, or 15.15%, offsetting targeted reductions in the Company’s installment and lease portfolios.

Deposits totaled $7.2 billion at December 31, 2005, a decline of 1.79% from $7.4 billion at December 31, 2004. Noninterest bearing demand deposit accounts (“DDA”) increased $53.2 million, or 3.62%, in 2005, easing pressure on the Company’s funding costs during a period of rising interest rates. For the fourth quarter of 2005, average deposits declined $147.8 million, or 1.99%, compared with the fourth quarter of 2004. During that time, increased noninterest bearing DDA partly offset decreasing levels in other core deposit categories. Average core deposits now account for 63.72% of deposits, compared to 62.86% at December 31, 2004.

Shareholders’ equity was $941.1 million at December 31, 2005. The Company’s capital position remains strong as tangible equity to assets was 7.96% at quarter-end. The common dividend per share paid in 2005 was $1.10, a $0.04 increase from 2004. The Company repurchased 2,368,516 shares in 2005, completing a 3,000,0000 share repurchase program authorized by the Board of Directors in July 2004.

4

Fourth Quarter 2005 Highlights

The Board of Directors of FirstMerit Corporation declared a quarterly cash dividend of $0.28 per share on the Corporation’s Common Stock, payable December 19, 2005, to shareholders of record on November 28, 2005.

FirstMerit Bank ushered in a new group of relationship-based, interest-bearing retail checking accounts to help customers earn more on their balances. The bank’s new FirstMerit Gold Checking(SM) and FirstMerit Diamond Checking(SM) complement its free checking account. The new products give customers an opportunity to earn interest and waive fees based on balances, account activity and loan relationships with the bank.

FirstMerit Bank announces the availability of a Mini Check & Cash Card(R) for customers on-the-go. The new card is a miniature version of the Bank’s Check & Cash Card(R) and works the same as the original version, deducting money from the customer’s checking account each time they make a purchase.

Conference Call Information:

FirstMerit Corporation will host a conference call today, January 19, 2006, at 2P.M. EST.

FirstMerit’s senior management will host an earnings conference call on January 19, 2006, at 2:00 p.m. Eastern time to provide an overview of fourth quarter and full year results and highlights. To participate in the conference call, please dial (800) 322-0079 ten minutes before start time and provide the reservation number: 6925846.

A replay of the conference call will be available at approximately 4:30 p.m., on January 19, 2006 through February 19, 2006, by dialing (877) 519-4471, and entering the PIN: 6925846.

The fourth quarter 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.

FirstMerit Corporation is a diversified financial services company headquartered in Akron, Ohio, with assets of $10.2 billion as of December 31, 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 core operations. Principal wholly-owned subsidiaries 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, continued 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.

6

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Consolidated Financial Highlights

	Quarters
(Unaudited)	2005			2005			2005			2005			2004
(Dollars in thousands)	4th Qtr			3rd Qtr			2nd Qtr			1st Qtr			4th Qtr
EARNINGS
Net interest income FTE (a)	$	88,152			88,347			88,432			86,685			87,993
Provision for loan losses		10,860			9,974			5,972			11,614			9,358
Other income		47,586			47,846			50,095			44,939			39,402
Other expenses		79,274			78,926			79,397			75,911			80,279
FTE adjustment (a)		650			641			655			675			669
Net income		31,166			36,594			36,145			30,088			28,369
Diluted EPS		0.38			0.43			0.43			0.36			0.33
PERFORMANCE RATIOS
Return on average assets (ROA)		1.21	%		1.41	%		1.40	%		1.19	%		1.12	%
Return on average common equity (ROE)		12.98	%		14.90	%		15.07	%		12.48	%		11.49	%
Net interest margin FTE (a)		3.73	%		3.70	%		3.74	%		3.73	%		3.76	%
Efficiency ratio		58.26	%		57.81	%		57.14	%		58.33	%		60.69	%
Number of full-time equivalent employees		3,057			3,073			3,078			3,081			3,158
MARKET DATA
Book value/common share	$	11.43			11.65			11.69			11.32			11.66
Period-end common share mkt value		25.91			26.79			26.11			26.76			28.49
Market as a % of book		227	%		230	%		223	%		236	%		244	%
Cash dividends/common share	$	0.28			0.28			0.27			0.27			0.27
Common stock dividend payout ratio		73.68	%		65.12	%		62.79	%		75.00	%		81.82	%
Average basic common shares		82,786			83,489			83,603			84,097			84,286
Average diluted common shares		83,082			83,978			83,890			84,497			84,777
Period end common shares		82,335			83,442			83,522			83,612			84,191
Common shares repurchased		1,228,293			178,872			145,143			816,208			197,235
Common stock market capitalization	$	2,133,300			2,235,411			2,180,759			2,237,457			2,398,602
ASSET QUALITY
Gross charge-offs	$	17,736			14,207			15,422			16,740			17,873
Net charge-offs		13,379			10,002			10,278			11,795			12,553
Allowance for loan losses (b)		90,261			92,780			92,808			97,115			97,296
Reserve for unfunded lending commitments (b)		6,072			5,857			5,785			6,479			5,774
Nonperforming assets (NPAs)		60,715			51,398			53,985			46,703			45,891
Net charge-off/average loans ratio		0.79	%		0.60	%		0.62	%		0.74	%		0.78	%
Allowance for loan losses/period-end loans		1.35	%		1.39	%		1.40	%		1.49	%		1.51	%
Allowance for credit losses/period-end loans (c)		1.44	%		1.47	%		1.49	%		1.59	%		1.60	%
NPAs/loans and other real estate		0.91	%		0.77	%		0.82	%		0.71	%		0.71	%
Allowance for loan losses/nonperforming loans		177.96	%		221.46	%		208.74	%		235.71	%		240.14	%
Allowance for credit losses/nonperforming loans (c)		189.93	%		235.44	%		221.76	%		251.44	%		254.39	%
CAPITAL & LIQUIDITY
Period-end tangible equity to assets		7.96	%		8.17	%		8.19	%		7.93	%		8.39	%
Average equity to assets		9.33	%		9.46	%		9.32	%		9.56	%		9.70	%
Average equity to loans		14.22	%		14.66	%		14.58	%		15.06	%		15.26	%
Average loans to deposits		92.11	%		91.73	%		90.16	%		88.27	%		86.69	%
AVERAGE BALANCES
Assets (b)	$	10,211,619			10,295,827			10,329,167			10,226,765			10,120,109
Deposits		7,273,980			7,245,562			7,321,860			7,354,689			7,421,815
Loans		6,699,997			6,646,112			6,601,204			6,492,044			6,434,115
Earning assets		9,368,139			9,465,288			9,489,431			9,421,693			9,314,744
Shareholders’ equity		952,715			974,147			962,239			977,888			982,147
ENDING BALANCES
Assets (b)	$	10,166,577			10,290,243			10,314,268			10,274,154			10,122,627
Deposits		7,233,650			7,352,026			7,173,857			7,324,551			7,365,447
Loans		6,686,243			6,695,290			6,611,011			6,530,546			6,433,083
Goodwill		139,245			139,245			139,245			139,245			139,245
Intangible assets		3,756			3,978			4,200			4,424			4,647
Earning assets		9,275,305			9,429,183			9,492,583			9,453,738			9,343,491
Total shareholders’ equity		941,090			972,348			976,016			946,731			981,257

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.

Page 7

FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

(In thousands)
(Unaudited, except December 31, 2004, which is derived from the	December 31,			December 31,
audited financial statements)	2005			2004
ASSETS
Cash and due from banks	$	225,953			169,052
Investment securities (at fair value) and federal funds sold		2,546,496			2,862,015
Loans held for sale		42,566			48,393
Loans:
Commercial loans		3,538,399			3,290,819
Mortgage loans		628,581			639,715
Installment loans		1,524,355			1,592,781
Home equity loans		778,697			676,230
Credit card loans		145,592			145,042
Leases		70,619			88,496
Total loans		6,686,243			6,433,083
Less allowance for loan losses		(90,261	)		(97,296	)
Net loans		6,595,982			6,335,787
Premises and equipment, net		120,420			121,198
Goodwill		139,245			139,245
Intangible assets		3,756			4,647
Accrued interest receivable and other assets		492,159			442,290
Total assets	$	10,166,577			10,122,627
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand-non-interest bearing	$	1,523,731			1,470,543
Demand-interest bearing		830,248			841,595
Savings and money market accounts		2,304,177			2,384,510
Certificates and other time deposits		2,575,494			2,668,799
Total deposits		7,233,650			7,365,447
Securities sold under agreements to repurchase		1,426,037			1,336,471
Wholesale borrowings		401,104			300,220
Accrued taxes, expenses, and other liabilities		164,696			139,232
Total liabilities		9,225,487			9,141,370
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 December 31, 2005 and December 31, 2004
		127,937			127,937
Capital surplus		108,210			110,513
Accumulated other comprehensive loss		(42,850	)		(14,208	)
Retained earnings		997,997			956,802
Treasury stock, at cost, 9,691,424 and 7,835,399 shares at December 31, 2005, December 31, 2004, respectively
		(250,204	)		(199,787	)
Total shareholders’ equity		941,090			981,257
Total liabilities and shareholders’ equity	$	10,166,577			10,122,627

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

Page 8

FIRSTMERIT CORPORATION AND SUBSIDIARIES
AVERAGE CONSOLIDATED BALANCE SHEETS

	Quarterly Periods
(Unaudited)	December 31,			September 30,			June 30,			March 31,			December 31,
(Dollars in thousands)	2005			2005			2005			2005			2004
ASSETS
Cash and due from banks	$	192,189			197,412			197,548			190,740			198,077
Investment securities/fed funds sold		2,619,248			2,764,724			2,833,818			2,876,415			2,831,253
Loans held for sale		48,894			54,452			54,409			53,234			49,376
Loans:
Commercial loans		3,519,807			3,441,231			3,434,946			3,346,425			3,272,545
Mortgage loans		637,877			641,532			641,865			646,528			642,569
Installment loans		1,556,212			1,594,801			1,601,775			1,598,953			1,612,132
Home equity loans		772,757			754,492			704,054			674,913			670,366
Credit card loans		142,743			140,873			137,919			141,440			141,953
Leases		70,601			73,183			80,645			83,785			94,550
Total loans		6,699,997			6,646,112			6,601,204			6,492,044			6,434,115
Less allowance for loan losses (a)		91,916			91,852			96,342			96,438			99,675
Net loans		6,608,081			6,554,260			6,504,862			6,395,606			6,334,440
Total earning assets		9,368,139			9,465,288			9,489,431			9,421,693			9,314,744
Premises and equipment, net		117,387			117,471			118,392			119,916			121,147
Accrued interest receivable and other assets		625,820			607,508			620,138			590,854			585,816
TOTAL ASSETS	$	10,211,619			10,295,827			10,329,167			10,226,765			10,120,109
LIABILITIES
Deposits:
Demand-non-interest bearing	$	1,488,679			1,457,487			1,470,673			1,447,226			1,462,830
Demand-interest bearing		817,009			838,549			834,708			820,974			829,650
Savings and money market accounts		2,332,528			2,333,331			2,370,280			2,392,023			2,423,790
Certificates and other time deposits		2,635,764			2,616,195			2,646,199			2,694,466			2,705,545
Total deposits		7,273,980			7,245,562			7,321,860			7,354,689			7,421,815
Securities sold under agreements to repurchase		1,443,740			1,478,857			1,385,644			1,326,242			1,262,156
Wholesale borrowings		375,167			442,035			498,088			412,149			300,550
Total funds		9,092,887			9,166,454			9,205,592			9,093,080			8,984,521
Accrued taxes, expenses and other liabilities (a)		166,017			155,226			161,336			155,797			153,441
Total liabilities		9,258,904			9,321,680			9,366,928			9,248,877			9,137,962
SHAREHOLDERS’ EQUITY
Preferred stock		—			—			—			—			—
Common stock		127,937			127,937			127,937			127,937			127,937
Capital surplus		108,303			108,564			108,559			108,478			110,217
Accumulated other comprehensive (loss) income		(39,834	)		(25,682	)		(26,883	)		(16,998	)		(12,559	)
Retained earnings		994,301			982,419			968,408			960,740			953,566
Treasury stock		(237,992	)		(219,091	)		(215,782	)		(202,269	)		(197,014	)
Total shareholders’ equity		952,715			974,147			962,239			977,888			982,147
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	10,211,619			10,295,827			10,329,167			10,226,765			10,120,109

(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.

Page 9

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

FIRSTMERIT CORPORATION AND SUBSIDIARIES	Three months ended								Three months ended								Three months ended								Three months ended
	December 31, 2005								September 30, 2005								June 30, 2005								March 31, 2005
	Average					Average			Average					Average			Average					Average			Average					Average
(Dollars in thousands)	Balance			Interest		Rate			Balance			Interest		Rate			Balance			Interest		Rate			Balance			Interest		Rate
ASSETS
Cash and due from banks	$	192,189								197,412								197,548								190,740
Investment securities and federal funds sold:
U.S. Treasury securities and U.S. Government agency obligations (taxable)		2,266,774			21,651		3.79	%		2,408,219			22,621		3.73	%		2,478,319			23,722		3.84	%		2,518,784			23,818		3.83	%
Obligations of states and political subdivisions (tax exempt)		97,395			1,633		6.65	%		99,273			1,638		6.55	%		99,756			1,673		6.73	%		101,571			1,763		7.04	%
Other securities and federal funds sold		255,079			3,437		5.35	%		257,232			3,056		4.71	%		255,743			3,037		4.76	%		256,060			2,763		4.38	%
Total investment securities and federal funds sold		2,619,248			26,721		4.05	%		2,764,724			27,315		3.92	%		2,833,818			28,432		4.02	%		2,876,415			28,344		4.00	%
Loans held for sale		48,894			762		6.18	%		54,452			660		4.81	%		54,409			804		5.93	%		53,234			627		4.78	%
Loans		6,699,997			115,126		6.82	%		6,646,112			110,535		6.60	%		6,601,204			105,196		6.39	%		6,492,044			99,546		6.22	%
Total earning assets		9,368,139			142,609		6.04	%		9,465,288			138,510		5.81	%		9,489,431			134,432		5.68	%		9,421,693			128,517		5.53	%
Allowance for loan losses		(91,916	)							(91,852	)							(96,342	)							(96,438	)
Other assets		743,207								724,979								738,530								710,770
Total assets	$	10,211,619								10,295,827								10,329,167								10,226,765
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand — non-interest bearing	$	1,488,679			—		—			1,457,487			—		—			1,470,673			—		—			1,447,226			—		—
Demand — interest bearing		817,009			1,953		0.95	%		838,549			1,732		0.82	%		834,708			1,230		0.59	%		820,974			956		0.47	%
Savings and money market accounts		2,332,528			10,352		1.76	%		2,333,331			8,700		1.48	%		2,370,280			7,517		1.27	%		2,392,023			6,375		1.08	%
Certificates and other time deposits		2,635,764			23,831		3.59	%		2,616,195			21,637		3.28	%		2,646,199			20,696		3.14	%		2,694,466			20,600		3.10	%
Total deposits		7,273,980			36,136		1.97	%		7,245,562			32,069		1.76	%		7,321,860			29,443		1.61	%		7,354,689			27,931		1.54	%
Securities sold under agreements to repurchase		1,443,740			13,423		3.69	%		1,478,857			12,535		3.36	%		1,385,644			10,624		3.08	%		1,326,242			8,841		2.70	%
Wholesale borrowings		375,167			4,898		5.18	%		442,035			5,559		4.99	%		498,088			5,933		4.78	%		412,149			5,059		4.98	%
Total interest bearing liabilities		7,604,208			54,457		2.84	%		7,708,967			50,163		2.58	%		7,734,919			46,000		2.39	%		7,645,854			41,831		2.22	%
Other liabilities		166,017								155,226								161,336								155,797
Shareholders’ equity		952,715								974,147								962,239								977,888
Total liabilities and shareholders’ equity	$	10,211,619								10,295,827								10,329,167								10,226,765
Net yield on earning assets	$	9,368,139			88,152		3.73	%		9,465,288			88,347		3.70	%		9,489,431			88,432		3.74	%		9,421,693			86,686		3.73	%
Interest rate spread							3.20	%							3.22	%							3.30	%							3.31	%

Notes: Interest income on tax-exempt securities and loans have been adjusted to a fully-taxable equivalent basis. 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 basis is not an accounting principle generally accepted in the United States of America. Nonaccrual loans have been included in the average balances.

Page 10

FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME

	Quarters ended						Twelve months ended
(Unaudited)	December 31,						December 31,
(In thousands except per share data)	2005			2004			2005			2004
Interest income:
Interest and fees on loans, including held for sale	$	115,850			98,792			433,143			385,919
Interest and dividends on investment securities and federal funds sold		26,109			26,590			108,303			111,476
Total interest income		141,959			125,382			541,446			497,395
Interest expense:
Interest on deposits:
Demand-interest bearing		1,953			704			5,871			2,152
Savings and money market accounts		10,352			5,310			32,944			19,145
Certificates and other time deposits		23,831			20,463			86,764			81,540
Interest on securities sold under agreements to repurchase		13,423			7,182			45,423			26,259
Interest on wholesale borrowings		4,898			4,399			21,449			17,494
Total interest expense		54,457			38,058			192,451			146,590
Net interest income		87,502			87,324			348,995			350,805
Provision for loan losses		10,860			9,358			38,420			73,923
Net interest income after provision for loan losses		76,642			77,966			310,575			276,882
Other income:
Trust department income		5,430			5,315			22,134			21,595
Service charges on deposits		17,884			15,135			69,065			62,162
Credit card fees		10,601			9,937			40,972			37,728
ATM and other service fees		3,157			2,892			12,867			11,879
Bank owned life insurance income		3,092			3,113			12,264			12,314
Investment services and insurance		2,696			2,560			10,608			12,850
Manufactured housing income		3			10			148			165
Investment securities gains, net		39			(4,508	)		1,926			(2,997	)
Loan sales and servicing income		1,668			2,033			6,397			6,075
Other operating income		3,016			2,915			14,085			12,514
Total other income		47,586			39,402			190,466			174,285
Other expenses:
Salaries, wages, pension and employee benefits		40,790			40,756			163,683			160,052
Net occupancy expense		5,746			5,468			23,730			22,557
Equipment expense		4,152			3,347			13,301			13,345
Stationery, supplies and postage		2,546			2,821			10,050			10,716
Bankcard, loan processing and other costs		7,042			6,355			24,012			24,307
Professional services		3,389			3,785			12,014			13,688
Amortization of intangibles		222			222			889			889
Other operating expense		15,387			17,525			65,829			66,375
Total other expenses		79,274			80,279			313,508			311,929
Income before income tax expense		44,954			37,089			187,533			139,238
Federal income taxes		13,788			8,720			53,540			36,024
Net income	$	31,166			28,369			133,993			103,214
Other comprehensive income (loss), net of taxes
Unrealized securities’ holding gains (losses), net of taxes		(5,736	)		(3,751	)		(24,041	)		(6,679	)
Minimum pension liability adjustment, net of taxes		(3,166	)		(2	)		(3,349	)		(2	)
Less: reclassification adjustment for securities’ gains (losses) realized in net income, net of taxes		25			845			1,252			(1,948	)
Total other comprehensive income (loss), net of taxes		(8,927	)		(4,598	)		(28,642	)		(4,733	)
Comprehensive income	$	22,239			23,771			105,351			98,481
Net income applicable to common shares	$	31,166			28,369			133,993			103,214
Net income used in diluted EPS calculation	$	31,169			28,377			134,011			103,244
Weighted average number of common shares outstanding — basic		82,786			84,286			83,490			84,601
Weighted average number of common shares outstanding — diluted		83,082			84,777			83,844			84,996
Basic earnings per share	$	0.38			0.34			1.60			1.22
Diluted earnings per share	$	0.38			0.33			1.60			1.21
Dividend per share	$	0.28			0.27			1.10			1.06

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

							Quarterly Results
(Unaudited)	2005			2005			2005			2005			2004
(Dollars in thousands, except share data)	4th Q			3rd Q			2nd Q			1st Q			4th Q
Interest and fees on loans, including held for sale	$	115,850			111,169			105,975			100,149			98,792
Interest and dividends — securities and federal funds sold		26,109			26,700			27,802			27,692			26,590
Total interest income		141,959			137,869			133,777			127,841			125,382
Interest on deposits:
Demand-interest bearing		1,953			1,732			1,230			956			704
Savings and money market accounts		10,352			8,700			7,517			6,375			5,310
Certificates and other time deposits		23,831			21,637			20,696			20,600			20,463
Securities sold under agreements to repurchase		13,423			12,535			10,624			8,841			7,182
Wholesale borrowings		4,898			5,559			5,933			5,059			4,399
Total interest expense		54,457			50,163			46,000			41,831			38,058
Net interest income		87,502			87,706			87,777			86,010			87,324
Provision for loan losses		10,860			9,974			5,972			11,614			9,358
Net interest income after provision for loan losses		76,642			77,732			81,805			74,396			77,966
Other income:
Trust department income		5,430			5,515			5,684			5,505			5,315
Service charges on deposits		17,884			18,561			17,800			14,820			15,135
Credit card fees		10,601			10,437			10,523			9,411			9,937
ATM and other service fees		3,157			3,453			3,298			2,959			2,892
Bank owned life insurance income		3,092			3,074			3,024			3,074			3,113
Investment services and insurance		2,696			2,226			2,828			2,858			2,560
Manufactured housing income		3			3			40			102			10
Investment securities gains (losses), net		39			40			(25	)		1,872			(4,508	)
Loan sales and servicing income		1,668			2,076			1,520			1,133			2,033
Other operating income		3,016			2,461			5,403			3,205			2,915
Total other income		47,586			47,846			50,095			44,939			39,402
Other expenses:
Salaries, wages, pension and employee benefits		40,790			42,149			41,351			39,393			40,756
Net occupancy expense		5,746			5,567			5,881			6,536			5,468
Equipment expense		4,152			2,962			3,002			3,185			3,347
Stationery, supplies and postage		2,546			2,559			2,484			2,461			2,821
Bankcard, loan processing and other costs		7,042			5,802			5,444			5,724			6,355
Professional services		3,389			2,632			3,843			2,150			3,785
Amortization of intangibles		222			222			222			223			222
Other operating expense		15,387			17,033			17,170			16,239			17,525
Total other expenses		79,274			78,926			79,397			75,911			80,279
Income before income tax expense		44,954			46,652			52,503			43,424			37,089
Federal income taxes		13,788			10,058			16,358			13,336			8,720
Net income	$	31,166			36,594			36,145			30,088			28,369
Other comprehensive income (loss), net of taxes		(8,927	)		(14,272	)		18,540			(23,983	)		(823	)
Comprehensive income	$	22,239			22,322			54,685			6,105			27,546
Net income applicable to common shares		31,166			36,594			36,145			30,088			28,369
Adjusted net income used in diluted EPS calculation		31,169			36,601			36,152			30,095			28,377
Weighted-average common shares — basic		82,786			83,489			83,603			84,097			84,286
Weighted-average common shares — diluted		83,082			83,978			83,890			84,497			84,777
Basic net income per share	$	0.38			0.44			0.43			0.36			0.34
Diluted net income per share	$	0.38			0.43			0.43			0.36			0.33

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

Page 12

FIRSTMERIT CORPORATION AND SUBSIDIARIES
ASSET QUALITY INFORMATION

							Quarterly Periods									Annual Period
(Unaudited, except December 31, 2004 annual period which is derived from the audited financial statements)	Dec 31			Sep 30			June 30			Mar 31			Dec 31			Dec 31
(Dollars in thousands, except ratios)	2005			2005			2005			2005			2004			2004
Allowance for Credit Losses (a)
Allowance for loan losses, beginning of period (b)	$	92,780			92,808			97,115			97,296			100,491			91,459
Allowance related to loans sold		—			—			—			—			—			(12,671	)
Provision for loan losses		10,860			9,974			5,971			11,614			9,358			73,923
Charge-offs		17,736			14,207			15,422			16,740			17,873			78,999
Recoveries		4,357			4,205			5,144			4,945			5,320			23,584
Net charge-offs		13,379			10,002			10,278			11,795			12,553			55,415
Allowance for loan losses, end of period	$	90,261			92,780			92,808			97,115			97,296			97,296
Reserve for unfunded lending commitments, beginning of period (b)	$	5,857			5,785			6,479			5,774			5,619			6,094
Provision for credit losses		215			72			(694	)		705			155			(320	)
Reserve for unfunded lending commitments, end of period	$	6,072			5,857			5,785			6,479			5,774			5,774
Allowance for Credit Losses	$	96,333			98,637			98,593			103,594			103,070			103,070
Ratios (a) (b)
Provision for loan losses as a % of average loans		0.64	%		0.60	%		0.36	%		0.73	%		0.58	%		1.13	%
Provision for credit losses as a % of average loans		0.01	%		0.00	%		-0.04	%		0.04	%		0.01	%		0.00	%
Net charge-offs as a % of average loans		0.79	%		0.60	%		0.62	%		0.74	%		0.78	%		0.85	%
Allowance for loan losses as a % of period-end loans		1.35	%		1.39	%		1.40	%		1.49	%		1.51	%		1.51	%
Allowance for credit losses as a % of period-end loans		1.44	%		1.47	%		1.49	%		1.59	%		1.60	%		1.60	%
Allowance for loan losses as a % of nonperforming loans		177.96	%		221.46	%		208.74	%		235.71	%		240.14	%		240.14	%
Allowance for credit losses as a % of nonperforming loans		189.93	%		235.44	%		221.76	%		251.44	%		254.39	%		254.39	%
Asset Quality
Impaired loans:
Nonaccrual	$	42,634			34,144			38,124			34,207			33,831			33,831
Other nonperforming loans:
Nonaccrual		8,086			7,751			6,336			6,994			6,685			6,685
Total nonperforming loans		50,720			41,895			44,460			41,201			40,516			40,516
Other real estate (“ORE”)		9,995			9,503			9,525			5,502			5,375			5,375
Total nonperforming assets (“NPAs”)	$	60,715			51,398			53,985			46,703			45,891			45,891
NPAs as % of period-end loans + ORE		0.91	%		0.77	%		0.82	%		0.71	%		0.71	%		0.71	%
Past due 90 days or more & accruing interest	$	17,931			21,451			17,969			22,899			20,703			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)	2005		2005		2005			2005		2004
(Dollars in thousands)	4th Qtr		3rd Qtr		2nd Qtr			1st Qtr		4th Qtr
QUARTERLY OTHER INCOME DETAIL
Trust department income	$	5,430		5,515		5,684			5,505		5,315
Service charges on deposits		17,884		18,561		17,800			14,820		15,135
Credit card fees		10,601		10,437		10,523			9,411		9,937
ATM and other service fees		3,157		3,453		3,298			2,959		2,892
Bank owned life insurance income		3,092		3,074		3,024			3,074		3,113
Investment services and insurance		2,696		2,226		2,828			2,858		2,560
Manufactured housing income		3		3		40			102		10
Investment securities gains (losses), net		39		40		(25	)		1,872		(4,508	)
Loan sales and servicing income		1,668		2,076		1,520			1,133		2,033
Other operating income		3,016		2,461		5,403			3,205		2,915
Total Other Income	$	47,586		47,846		50,095			44,939		39,402

	2005		2005		2005		2005		2004
	4th Qtr		3rd Qtr		2nd Qtr		1st Qtr		4th Qtr
QUARTERLY OTHER EXPENSES DETAIL
Salaries, wages, pension and employee benefits	$	40,790		42,149		41,351		39,393		40,756
Net occupancy expense		5,746		5,567		5,881		6,536		5,468
Equipment expense		4,152		2,962		3,002		3,185		3,347
Taxes, other than federal income taxes		1,578		849		880		735		908
Stationery, supplies and postage		2,546		2,559		2,484		2,461		2,821
Bankcard, loan processing and other costs		7,042		5,802		5,444		5,724		6,355
Advertising		1,415		1,863		3,182		1,244		2,984
Professional services		3,389		2,632		3,843		2,150		3,785
Telephone		1,136		1,206		1,095		1,119		1,204
Amortization of intangibles		222		222		222		223		222
Other operating expense		11,258		13,115		12,013		13,141		12,429
Total Other Expenses	$	79,274		78,926		79,397		75,911		80,279

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

	Quarters ended						Year ended
(Unaudited)	December 31,						December 31,
(Dollars in thousands)	2005			2004			2005			2004
Allowance for loan losses — beginning of period (a)	$	92,780			100,491			97,296			91,459
Loans charged off:
Commercial		2,890			4,245			14,349			25,073
Mortgage		639			576			1,721			1,174
Installment		9,063			9,196			29,307			35,958
Home equity		1,099			763			4,340			3,085
Credit cards		3,587			2,549			11,320			11,254
Manufactured housing		—			—			—			443
Leases		458			544			3,068			2,012
Total		17,736			17,873			64,105			78,999
Recoveries:
Commercial		1,256			1,227			4,166			6,068
Mortgage		13			—			190			42
Installment		1,878			2,757			9,495			11,545
Home equity		374			357			1,302			1,430
Credit cards		489			655			2,348			2,920
Manufactured housing		203			192			710			1,088
Leases		144			122			439			491
Total		4,357			5,320			18,650			23,584
Net charge-offs		13,379			12,553			45,455			55,415
Allowance related to loans sold		—			—			—			(12,671	)
Provision for loan losses		10,860			9,358			38,420			73,923
Allowance for loan losses — end of period	$	90,261			97,296			90,261			97,296
Average loans outstanding	$	6,699,997			6,434,115			6,610,509			6,493,472
Ratio to average loans:
(Annualized) net charge-offs		0.79	%		0.78	%		0.69	%		0.85	%
Provision for loan losses		0.64	%		0.58	%		0.58	%		1.14	%
Loans outstanding — period-end	$	6,686,243			6,433,083			6,686,243			6,433,083
Allowance for loan losses:
As a percent of period-end loans outstanding		1.35	%		1.51	%		1.35	%		1.51	%
As a multiple of (annualized) net charge-offs		1.70			1.95			1.99			1.76
As a multiple of (annualized) net charge-offs and allowance related to loans sold		1.70			1.95			1.99			1.43

(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