FirstMerit Reports Fourth Quarter 2012 EPS of $0.35 Per Share

        FirstMerit Reports Fourth Quarter 2012 EPS of $0.35 Per Share

PR Newswire

AKRON, Ohio, Jan. 22, 2013

AKRON, Ohio, Jan. 22, 2013 /PRNewswire/ --

Quarterly Highlights include:

  oSustained profitability: 55th consecutive quarter of profitability.
  oContinued organic growth: Average commercial noncovered loan growth of
    $156.8 million, or 2.88%, from prior quarter; average core deposit growth
    of $109.1 million, or 1.08%, from prior quarter.
  oSuperior credit quality: Nonperforming assets as a percent of noncovered
    period end loans plus other real estate declined to 0.57% from 0.77% in
    the prior quarter; net charge-offs to noncovered average loans decreased
    to 0.34% from 0.72% in the prior quarter.
  oStrong balance sheet: Strong tangible common equity ratio at 8.16%.

FirstMerit Corporation (Nasdaq: FMER) reported fourth quarter 2012 net income
of $38.2 million, or $0.35 per diluted share. This compares with $35.0
million, or $0.32 per diluted share, for the third quarter 2012 and $30.5
million, or $0.28 per diluted share, for the fourth quarter 2011. For the
full year 2012, the Corporation reported net income of $134.1 million, or
$1.22 per diluted share, compared with $119.6 million, or $1.10 per diluted
share in 2011.

(Logo: http://photos.prnewswire.com/prnh/20070920/CLTU138LOGO )

Returns on average common equity ("ROE") and average assets ("ROA") for the
fourth quarter 2012 were 9.30% and 1.03%, respectively, compared with 8.60%
and 0.94%, respectively, for the third quarter 2012 and 7.70% and 0.83% for
the fourth quarter 2011.

"Our ongoing commitment to sound banking fundamentals is reflected in our
strong fourth quarter results. While the low-interest rate environment and
slow economic recovery continue to challenge the banking industry, I am
pleased to report that FirstMerit again performed well and grew our business.
Reflecting this organic growth, total commercial loan production for the
fourth quarter was up 65% over the year-ago quarter. Our strong asset quality
continued to improve, with net charge-offs decreasing to 0.34% of average
noncovered loans," said Paul G. Greig, chairman, president and CEO, FirstMerit
Corporation.

"We continued to make progress on our efficiency initiative. In the fourth
quarter, excluding costs related to the Citizens transaction and our
investment portfolio repositioning, expenses came in below our target of $110
million. Our performance in the quarter demonstrates the financial strength
and stability we look to bring to Michigan and Wisconsin once we receive
regulatory and shareholder approval of our announced acquisition of
Flint-based Citizens Republic Bancorp," Greig said.

Net interest margin was 3.58% for the fourth quarter 2012 compared with 3.66%
for the third quarter 2012 and 3.85% for the fourth quarter 2011. Despite the
Corporation's continued success in reducing deposit costs in the quarter
through an improved mix of core deposits, downward pressure on earning asset
yields were responsible for a compression in the net interest margin of 8
basis points compared with the third quarter of 2012.

Average noncovered loans during the fourth quarter 2012 increased $258.7
million, or 3.16%, compared with the third quarter 2012 and also increased
$770.3 million, or 10.04%, compared with the fourth quarter 2011.Average
noncovered commercial loans increased $156.8 million, or 2.88%, compared with
the prior quarter, and increased $551.0 million, or 10.91%, compared with the
year ago quarter.

Average deposits were $11.6 billion during the fourth quarter 2012, an
increase of $3.2 million, or 0.03%, compared with the third quarter 2012, and
an increase of $178.5 million, or 1.56%, compared with the fourth quarter
2011. During the fourth quarter 2012, average core deposits, which exclude
time deposits, increased $109.1 million, or 1.08%, compared with the third
quarter 2012 and $598.6 million, or 6.25%, compared with the fourth quarter
2011. Average time deposits decreased $105.9 million, or 6.93%, and decreased
$420.1 million, or 22.80%, respectively, over prior and year-ago quarters.
The Corporation continues to emphasize growth in lower cost deposit products
and decrease its reliance on certificates of deposit accounts to support
balance sheet growth. For the fourth quarter 2012, average core deposits
accounted for 87.73% of total average deposits, compared with 86.82% for the
third quarter 2012 and 83.86% for the fourth quarter 2011.

Average investments decreased $6.8 million, or 0.18%, compared with the third
quarter 2012 and increased $206.3 million, or 5.93% compared with the fourth
quarter 2011.

Net interest income on a fully tax-equivalent ("FTE") basis was $119.1 million
in the fourth quarter 2012 compared with $120.7 million in the third quarter
2012 and $123.6 million in the fourth quarter 2011.

Noninterest income, excluding gains on securities transactions of $2.4
million, for the fourth quarter 2012 was $59.2 million, an increase of $4.9
million, or 8.93%, from the third quarter 2012 and an increase of $5.3
million, or 9.79%, from the fourth quarter 2011. The increase in noninterest
income in the fourth quarter of 2012 was mainly attributable to a $5.0 million
gain on covered loans paid in full.

Other income, net of $2.4 million in securities gains, as a percentage of net
revenue for the fourth quarter 2012 was 33.21% compared with 31.05% for third
quarter 2012 and 30.38% for the fourth quarter 2011. Net revenue is defined
as net interest income, on an FTE basis, plus other income, less gains from
securities sales.

Noninterest expense for the fourth quarter 2012 was $112.2 million, an
increase of $3.6 million, or 3.31%, from the third quarter 2012 and a decrease
of $11.7 million, or 9.44%, from the fourth quarter 2011. Included in
noninterest expense in the fourth quarter of 2012 were professional and legal
fees of $1.0 million associated with the proposed acquisition of Citizens as
well as $2.3 million of fees related to the early termination of Federal Home
Loan Bank advances. FDIC expense decreased $3.4 million from the prior year
ago quarter. Included in noninterest expense in the fourth quarter of 2011
was $4.9 million of fees related to the early termination of repurchase
agreements and Federal Home Loan Bank advances as part of the Corporation's
investment portfolio repositioning strategy and $1.3 million of expense
related to an increase in the liability associated with the sale of the
Corporation's Visa Class B shares in 2008.

During the fourth quarter 2012, the Corporation reported an efficiency ratio
of 62.65%, compared with 61.75% for the third quarter 2012 and 69.46% for the
fourth quarter 2011.

Net noncovered charge-offs totaled $7.1 million, or 0.34% of average
noncovered loans in the fourth quarter 2012, compared with $14.9 million, or
0.72% of average noncovered loans, in the third quarter 2012 and $13.8
million, or 0.71% of average noncovered loans, in the fourth quarter 2011. As
a result of guidance from the Office of the Comptroller of the Currency
("OCC"), during the third quarter of 2012, $10.6 million of consumer loans
were identified as troubled debt restructurings whereby the borrower's
obligation to the Corporation has been discharged in bankruptcy and the
borrower had not reaffirmed the debt. These loans were reclassified from
performing loans to nonaccrual status and consisted of $6.7 million of first
mortgages, $1.0 million of junior liens and $2.9 million of automobile loans,
and net loan charge-offs of $2.8 million were recognized in the third quarter
of 2012.

Nonperforming assets totaled $50.2 million at December31, 2012, a decrease of
$13.8 million, or 21.59%, compared with September30, 2012 and a decrease of
$30.9 million, or 38.07%, compared with December31, 2011. Nonperforming
assets at December31, 2012 represented 0.57% of period-end noncovered loans
plus other real estate compared with 0.77% at September30, 2012 and 1.04% at
December31, 2011.

The allowance for noncovered loan losses totaled $98.9 million at December31,
2012. At December31, 2012, the allowance for noncovered loan losses was
1.13% of period-end noncovered loans compared with 1.19% at September30, 2012
and 1.39% at December31, 2011. The allowance for credit losses is the sum of
the allowance for noncovered loan losses and the reserve for unfunded lending
commitments. For comparative purposes, the allowance for credit losses was
1.20% of period end noncovered loans at December31, 2012, compared with 1.26%
at September30, 2012 and 1.47% at December31, 2011. The allowance for
credit losses to nonperforming loans was 284.50% at December31, 2012,
compared with 208.11% at September30, 2012 and 176.50% at December31, 2011.

The Corporation's total assets at December31, 2012 were $14.9 billion, an
increase of $284.2 million, or 1.94%, compared with September30, 2012 and an
increase of $471.3 million, or 3.26%, compared with December31, 2011.

Total deposits were $11.8 billion at December31, 2012, an increase of $227.0
million, or 1.97%, from September30, 2012 and an increase of $327.8 million,
or 2.87%, from December31, 2011. Core deposits totaled $10.4 billion at
December31, 2012, an increase of $328.7 million, or 3.27%, from September30,
2012 and an increase of $695.6 million, or 7.18%, from December31, 2011.

Shareholders' equity was $1.6 billion at December31, 2012, September30,
2012, and December31, 2011. The Corporation maintained a strong capital
position as tangible common equity to assets was 8.16% at December31, 2012,
compared with 8.18% at September30, 2012 and 7.86% at December31, 2011. The
common cash dividend per share paid in the fourth quarter 2012 was $0.16.

Fourth Quarter 2012 Conference Call

FirstMerit (Nasdaq: FMER) senior management will host an earnings conference
call today at 11:00 a.m. (Eastern Time) to provide an overview of fourth
quarter results and highlights. To participate in the conference call, please
dial (888) 693-3477 ten minutes before start time and provide the reservation
number: 87347317. A replay of the conference call will be available at
approximately 2:00 p.m. (Eastern Time) on January22, 2013 through February 5,
2013 by dialing (855) 859-2056, and entering the PIN: 87347317. The
Corporation will provide a slide presentation, which management will speak to
during the conference call. A copy of the presentation will be available at
https://www.firstmerit.com/personal/investors.aspx; click on the Presentations
link to access the slide presentation.

About FirstMerit Corporation

FirstMerit Corporation is a diversified financial services company
headquartered in Akron, Ohio, with assets of $14.9 billion as of December31,
2012 and 196 banking offices and 203 ATM locations in Ohio, Western
Pennsylvania, and Chicago areas. 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., and
FirstMerit Community Development Corporation.

Subsequent Events

The Corporation is required under generally accepted accounting principles to
evaluate subsequent events through the filing of the its consolidated
financial statements for the year ended December31, 2012 on Form 10-K. As a
result, the Corporation will continue to evaluate the impact of any subsequent
events on critical accounting assumptions and estimates made as of
December31, 2012 and will adjust amounts preliminarily reported, if
necessary.

Forward-Looking Statements

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 Corporation, 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 Corporation's business,
competitive pressures, changes in accounting, tax or regulatory practices or
requirements, the Corporation's ability to successfully complete the proposed
acquisition of Citizens, and those risk factors detailed in the Corporation's
periodic reports and registration statements filed with the Securities and
Exchange Commission. The Corporation undertakes no obligation to release
revisions to these forward-looking statements or reflect events or
circumstances after the date of this release.

Additional Information and Where to Find It

This document does not constitute an offer to sell or the solicitation of an
offer to buy any securities or a solicitation of any vote or approval nor
shall there be any sale of securities in any jurisdiction in which such offer,
solicitation or sale would be unlawful prior to registration or qualification
under the securities laws of any such jurisdiction. In connection with the
proposed merger between FirstMerit and Citizens, FirstMerit has filed with the
U.S. Securities and Exchange Commission ("SEC") a Registration Statement on
Form S-4 that includes a preliminary joint proxy statement of FirstMerit and
Citizens that also constitutes a prospectus of FirstMerit. FirstMerit and
Citizens will deliver the definitive joint proxy statement/prospectus to their
respective shareholders. FirstMerit and Citizens urge investors and
shareholders to read the preliminary joint proxy statement/prospectus
regarding the proposed merger and the definitive joint proxy
statement/prospectus when it becomes available, as well as other documents
filed with the SEC, because they will contain important information. You may
obtain copies of all documents filed with the SEC regarding this transaction,
free of charge, at the SEC's website (www.sec.gov). You may also obtain these
documents, free of charge, from FirstMerit's website (www.firstmerit.com)
under the heading "Investors" and then under the heading "Publications and
Filings." You may also obtain these documents, free of charge, from Citizens'
website (www.citizensbanking.com) under the tab "Investors" and then under the
heading "Financial Documents" and then under the heading "SEC Filings."

Participants in the Merger Solicitation

FirstMerit, Citizens, and their respective directors, executive officers and
certain other members of management and employees may be soliciting proxies
from FirstMerit and Citizens shareholders in favor of the merger and related
matters. Information regarding the persons who may, under the rules of the
SEC, be deemed participants in the solicitation of FirstMerit and Citizens
shareholders in connection with the proposed merger are set forth in the
preliminary joint proxy statement/prospectus. You can find information about
FirstMerit's executive officers and directors in its definitive proxy
statement filed with the SEC on March8, 2012. You can find information about
Citizens' executive officers and directors in its definitive proxy statement
filed with the SEC on March12, 2012. Additional information about
FirstMerit's executive officers and directors and Citizens' executive officers
and directors can be found in the above-referenced Registration Statement on
Form S-4. You can obtain free copies of these documents from FirstMerit and
Citizens using the contact information above.



FIRSTMERIT
CORPORATION
AND
SUBSIDIARIES
Consolidated
Financial
Highlights
(Unaudited)    Quarters
(Dollars in
thousands,     2012           2012           2012           2012           2011
except per
share amounts)
               4th qtr        3rd qtr        2nd qtr        1st qtr        4th qtr
EARNINGS
Net interest   $ 119,130      $ 120,741      $ 121,689      $ 121,428      $ 123,598
income FTE (a)
Provision for
noncovered     7,116          9,965          8,766          8,129          12,275
loan losses
Provision for
covered loan   5,146          6,214          3,430          5,932          2,773
losses
Other income   61,652         54,925         55,301         51,726         59,737
Other expenses 112,181        108,587        119,077        113,768        123,874
FTE adjustment 2,900          2,851          2,766          2,641          2,632
(a)
Net income     38,224         34,953         30,585         30,344         30,496
Diluted EPS    0.35           0.32           0.28           0.28           0.28
PERFORMANCE
RATIOS
Return on
average assets 1.03         % 0.94         % 0.84         % 0.84         % 0.83         %
(ROA)
Return on
average common 9.30         % 8.60         % 7.69         % 7.72         % 7.70         %
equity (ROE)
Net interest   3.58         % 3.66         % 3.77         % 3.78         % 3.85         %
margin FTE (a)
Efficiency     62.65        % 61.75        % 67.21        % 65.52        % 69.46        %
ratio
Number of
full-time      2,724          2,733          2,789          2,997          3,018
equivalent
employees
MARKET DATA
Book value per $ 15.00        $ 14.82        $ 14.60        $ 14.51        $ 14.33
common share
Period-end
common share   14.19          14.71          16.51          16.86          15.13
market value
Market as a %  95           % 99           % 113          % 116          % 106          %
of book
Cash dividends
per common     $ 0.16         $ 0.16         $ 0.16         $ 0.16         $ 0.16
share
Common stock
dividend       45.71        % 50.00        % 57.14        % 57.14        % 57.14        %
payout ratio
Average basic  109,652        109,645        109,562        109,211        109,249
common shares
Average
diluted common 109,652        109,645        109,562        109,211        109,249
shares
Period end     109,649        109,653        109,641        109,187        109,251
common shares
Common shares  12             6              111            69             7
repurchased
Common stock
market         $ 1,555,919    $ 1,612,996    $ 1,810,173    $ 1,840,893    $ 1,652,968
capitalization
ASSET QUALITY
(excluding
covered loans)
Gross          $ 12,475       $ 20,999       $ 15,014       $ 17,417       $ 18,984
charge-offs
Net            7,116          14,872         8,766          11,979         13,763
charge-offs
Allowance for
noncovered     98,942         98,942         103,849        103,849        107,699
loan losses
Reserve for
unfunded       5,433          5,760          5,666          5,410          6,373
lending
commitments
Nonperforming
assets (NPAs)  50,224         64,055         61,080         67,933         81,094
(b)
Net
charge-offs to 0.34         % 0.72         % 0.44         % 0.62         % 0.71         %
average loans
ratio (b)
Allowance for
noncovered
loan losses to 1.13         % 1.19         % 1.28         % 1.32         % 1.39         %
period-end
loans (b)
Allowance for
credit losses  1.20         % 1.26         % 1.35         % 1.39         % 1.47         %
to period-end
loans (b)
NPAs to loans
and other real 0.57         % 0.77         % 0.75         % 0.86         % 1.04         %
estate (b)
Allowance for
noncovered
loan losses to 269.69       % 196.66       % 222.44       % 194.97       % 166.64       %
nonperforming
loans
Allowance for
credit losses
to             284.50       % 208.11       % 234.57       % 205.13       % 176.50       %
nonperforming
loans
CAPITAL &
LIQUIDITY
Period-end
tangible       8.16         % 8.18         % 8.01         % 7.86         % 7.86         %
common equity
to assets
Average equity 11.12        % 10.97        % 10.98        % 10.91        % 10.75        %
to assets
Average equity
to total loans 17.37        % 17.46        % 17.57        % 17.50        % 17.40        %
(c)
Average total
loans to       81.21        % 79.89        % 78.78        % 78.74        % 79.12        %
deposits (c)
AVERAGE
BALANCES
Assets         $ 14,702,215   $ 14,734,016   $ 14,558,514   $ 14,496,937   $ 14,623,441
Deposits       11,595,085     11,591,931     11,555,283     11,472,021     11,416,546
Loans,
excluding      8,389,223      8,121,083      7,857,840      7,677,963      7,520,400
acquired loans
(c)
Acquired
loans,
including      1,026,574      1,139,568      1,245,246      1,355,086      1,512,123
covered loans
(c)
Earning assets 13,246,693     13,119,473     12,986,988     12,935,184     12,747,868
Shareholders'  1,635,275      1,616,569      1,599,187      1,581,009      1,572,061
equity
ENDING
BALANCES
Assets         $ 14,913,012   $ 14,628,843   $ 14,621,344   $ 14,670,818   $ 14,441,702
Deposits       11,759,425     11,532,426     11,615,841     11,648,165     11,431,609
Loans,
excluding      8,677,501      8,260,426      8,031,998      7,764,058      7,635,776
acquired loans
(c)
Acquired
loans,
including      959,549        1,099,052      1,187,203      1,306,165      1,404,644
covered loans
(c)
Goodwill       460,044        460,044        460,044        460,044        460,044
Intangible     6,373          6,817          7,274          7,756          8,239
assets
Earning assets 13,472,067     13,219,301     13,212,071     13,318,202     13,011,267
Total
shareholders'  1,645,202      1,624,704      1,600,815      1,584,105      1,565,953
equity
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) - Covered loans and other real estate from George Washington Savings Bank and Midwest
Bank & Trust Company are excluded from the ratio of our allowance for loan and credit
losses and NPAs. Nonperforming assets at December 31, 2012 and September 30, 2012 include
$7.7 million and $10.6 million, respectively, of loans resulting from consumer loans
classified as troubled debt restructurings where the borrower's obligation to the
Corporation has been restructured in bankruptcy.
(c) - Excludes loss share receivable of $113.7 million, $131.9 million, $152.6 million,
$171.1 million and $205.7 million as of December 31, 2012, September 30, 2012, June 30,
2012, March 31, 2012 and December 31, 2011, respectively.



FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(Dollars in thousands)                            December 31,
(Unaudited, except December 31, 2011, which is    2012           2011
derived from the audited financial statements)
ASSETS
 Cash and due from banks                          $ 244,223      $ 219,256
 Interest-bearing deposits in banks               13,791         158,063
     Total cash and cash equivalents              258,014        377,319
 Investment securities:
     Held-to-maturity                             622,121        82,764
     Available-for-sale                           2,920,971      3,353,553
     Other investments                            140,717        140,726
 Loans held for sale                              23,683         30,077
 Noncovered loans:
     Commercial                                   5,866,489      5,107,747
     Mortgage                                     445,211        413,664
     Installment                                  1,328,258      1,263,665
     Home equity                                  806,078        743,982
     Credit card                                  146,387        146,356
     Leases                                       139,236        73,530
             Total noncovered loans               8,731,659      7,748,944
             Allowance for noncovered loan losses (98,942)       (107,699)
             Net noncovered loans                 8,632,717      7,641,245
 Covered loans (includes loss share receivable of
 $113.7 million and $205.7 million at December    1,019,125      1,497,140
 31, 2012 and 2011, respectively)
             Allowance for covered loan losses    (43,255)       (36,417)
             Net covered loans                    975,870        1,460,723
             Net loans                            9,608,587      9,101,968
 Premises and equipment, net                      181,149        192,949
 Goodwill                                         460,044        460,044
 Intangible assets                                6,373          8,239
 Covered other real estate (includes loss share
 receivable of $.05 million and $1.3 million at   59,855         54,505
 December 31, 2012 and December 31, 2011,
 respectively)
 Accrued interest receivable and other assets     631,498        639,558
             Total assets                         $ 14,913,012   $ 14,441,702
LIABILITIES AND SHAREHOLDERS' EQUITY
 Deposits:
     Noninterest-bearing                          $ 3,338,371    $ 3,030,225
     Interest-bearing                             1,287,674      1,062,896
     Savings and money market accounts            5,758,123      5,595,409
     Certificates and other time deposits         1,375,257      1,743,079
             Total deposits                       11,759,425     11,431,609
     Federal funds purchased and securities sold  1,104,525      866,265
     under agreements to repurchase
     Wholesale borrowings                         136,883        203,462
     Accrued taxes, expenses, and other           266,977        374,413
     liabilities
             Total liabilities                    13,267,810     12,875,749
     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;       127,937        127,937
             issued: 2012 and 2011 - 115,121,731
             shares
             Capital surplus                      475,979        479,882
             Accumulated other comprehensive loss (16,205)       (23,887)
             Retained earnings                    1,195,850      1,131,203
             Treasury stock, at cost: 2012 -
             5,472,915 shares; 2011 - 5,870,923  (138,359)      (149,182)
             shares
             Total shareholders' equity           1,645,202      1,565,953
             Total liabilities and shareholders'  $ 14,913,012   $ 14,441,702
             equity





FIRSTMERIT
CORPORATION AND
SUBSIDIARIES
AVERAGE
CONSOLIDATED
BALANCE SHEETS
                    Quarterly Periods
(Unaudited)         December 31,  September 30, June 30,      March 31,     December 31,
(Dollars in         2012          2012          2012          2012          2011
thousands)
ASSETS
Cash and due from   $ 238,366     $ 440,231     $ 410,533     $ 378,736     $ 621,899
banks
Investment
securities:
Held-to-maturity    620,154       337,685       127,769       90,664        89,166
Available-for-sale  2,925,938     3,215,203     3,429,411     3,459,439     3,231,195
Other investments   140,723       140,736       140,744       140,719       160,147
Loans held for sale 20,485        23,631        22,731        26,483        24,215
Noncovered loans:
Commercial          5,600,522     5,443,712     5,274,352     5,143,087     5,049,479
Residential         443,542       437,123       431,752       421,648       405,329
Mortgage
Installment         1,331,131     1,293,054     1,263,013     1,261,122     1,267,952
Home equity         798,663       779,087       750,859       738,154       744,326
Credit card         145,050       143,948       142,311       143,794       145,560
Leases              125,300       88,583        78,862        73,644        61,267
Total noncovered    8,444,208     8,185,507     7,941,149     7,781,449     7,673,913
loans
Covered loans and
loss share          1,095,185     1,216,711     1,325,184     1,436,430     1,569,232
receivable
Total loans         9,539,393     9,402,218     9,266,333     9,217,879     9,243,145
Less: allowance for 141,270       145,061       143,565       142,628       141,360
loan losses
Net loans           9,398,123     9,257,157     9,122,768     9,075,251     9,101,785
Total earning       13,246,693    13,119,473    12,986,988    12,935,184    12,747,868
assets
Premises and        181,738       184,544       187,181       190,669       193,219
equipment, net
Accrued interest
receivable and      1,176,688     1,134,829     1,117,377     1,134,976     1,201,815
other assets
TOTAL ASSETS        $ 14,702,215  $ 14,734,016  $ 14,558,514  $ 14,496,937  $ 14,623,441
LIABILITIES
Deposits:
Noninterest-bearing $ 3,306,444   $ 3,236,703   $ 3,144,183   $ 3,036,590   $ 3,013,543
Interest-bearing    1,122,796     1,080,841     1,060,771     1,066,132     991,456
Savings and money   5,743,599     5,746,210     5,732,007     5,675,052     5,569,213
market accounts
Certificates and    1,422,246     1,528,177     1,618,322     1,694,247     1,842,334
other time deposits
Total deposits      11,595,085    11,591,931    11,555,283    11,472,021    11,416,546
Federal funds
purchased and
securities sold
under
agreements to       957,564       1,032,401     920,352       887,715       999,639
repurchase
Wholesale           163,405       178,022       177,987       184,659       225,116
borrowings
Total funds         12,716,054    12,802,354    12,653,622    12,544,395    12,641,301
Accrued taxes,
expenses and other  350,886       315,093       305,705       371,533       410,079
liabilities
Total liabilities   13,066,940    13,117,447    12,959,327    12,915,928    13,051,380
SHAREHOLDERS'
EQUITY
Common stock        127,937       127,937       127,937       127,937       127,937
Capital surplus     474,532       472,820       473,650       481,856       479,257
Accumulated other
comprehensive       (17,666)      (14,627)      (18,363)      (19,862)      (15,198)
income (loss)
Retained earnings   1,188,641     1,168,649     1,156,324     1,140,953     1,129,392
Treasury stock      (138,169)     (138,210)     (140,361)     (149,875)     (149,327)
Total shareholders' 1,635,275     1,616,569     1,599,187     1,581,009     1,572,061
equity
TOTAL LIABILITIES
AND SHAREHOLDERS'   $ 14,702,215  $ 14,734,016  $ 14,558,514  $ 14,496,937  $ 14,623,441
EQUITY





FIRSTMERIT CORPORATION AND SUBSIDIARIES
AVERAGE CONSOLIDATED BALANCE SHEETS
Fully Tax-equivalent Interest Rates and Interest Differential
                    Three months ended                  Three months ended
                    December31, 2012                   December 31, 2011
(Unaudited)         Average                    Average  Average                   Average
(Dollars in         Balance        Interest    Rate     Balance        Interest   Rate
thousands)
ASSETS
Cash and due from   $ 238,366                           $ 621,899
banks
Investment
securities and
federal funds sold:
U.S. treasury
securities and U.S.
government
agency obligations  2,794,524      $ 16,767    2.39  %  2,761,042      $ 19,028   2.73  %
(taxable)
Obligations of
states and
political
subdivisions (tax   510,722        6,583       5.13  %  403,405        5,568      5.48  %
exempt)
Other securities
and federal funds   381,569        3,429       3.58  %  316,061        2,406      3.02  %
sold
Total investment
securities and
federal
funds sold          3,686,815      26,779      2.89  %  3,480,508      27,002     3.08  %
Loans held for sale 20,485         199         3.86  %  24,215         266        4.36  %
Noncovered loans,
covered loans and
loss share
receivable          9,539,393      101,288     4.22  %  9,243,145      107,612    4.62  %
Total earning       13,246,693     128,266     3.85  %  12,747,868     134,880    4.20  %
assets
Allowance for loan  (141,270)                           (141,360)
losses
Other assets        1,358,426                           1,395,034
Total assets        $ 14,702,215                        $ 14,623,441
LIABILITIES AND
SHAREHOLDERS'
EQUITY
Deposits:
Noninterest-bearing $ 3,306,444    —           —        $ 3,013,543    —          —
Interest-bearing    1,122,796      261         0.09  %  991,456        237        0.09  %
Savings and money   5,743,599      5,261       0.36  %  5,569,213      5,998      0.43  %
market accounts
Certificates and    1,422,246      2,287       0.64  %  1,842,334      3,201      0.69  %
other time deposits
Total deposits      11,595,085     7,809       0.27  %  11,416,546     9,436      0.33  %
Securities sold
under agreements to 957,564        303         0.13  %  999,639        512        0.20  %
repurchase
Wholesale           163,405        1,024       2.49  %  225,116        1,334      2.35  %
borrowings
Total interest      9,409,610      9,136       0.39  %  9,627,758      11,282     0.46  %
bearing liabilities
Other liabilities   350,886                             410,079
Shareholders'       1,635,275                           1,572,061
equity
Total liabilities
and shareholders'   $ 14,702,215                        $ 14,623,441
equity
Net yield on        $ 13,246,693   $ 119,130   3.58  %  $ 12,747,868   $ 123,598  3.85  %
earning assets
Interest rate                                  3.47  %                            3.73  %
spread
Note: Interest income on tax-exempt securities and loans has been adjusted to a
fully-taxable equivalent basis.
Nonaccrual loans have been included in the average balances.





FIRST MERIT CORPORATION AND
SUBSIDIARIES
AVERAGE CONSOLIDATED BALANCE SHEETS
Fully Tax-equivalent Interest Rates and Interest Differential
              Twelve months ended                 Twelve months ended
              December31, 2012                   December 31, 2011
(Unaudited)   Average                    Average  Average                    Average
(Dollars in   Balance        Interest    Rate     Balance        Interest    Rate
thousands)
ASSETS
Cash and due  $ 366,815                           $ 562,133
from banks
Investment
securities
and federal
funds sold:
U.S. treasury
securities
and U.S.
government
agency
obligations   2,825,283      $ 73,455    2.60  %  2,869,664      $ 78,202    2.73  %
(taxable)
Obligations
of states and
political
subdivisions  483,582        25,034      5.18  %  378,834        21,277      5.62  %
(tax exempt)
Other
securities    383,420        11,575      3.02  %  301,786        8,842       2.93  %
and federal
funds sold
Total
investment
securities
and federal
funds sold    3,692,285      110,064     2.98  %  3,550,284      108,321     3.05  %
Loans held    23,326         960         4.12  %  22,467         1,045       4.65  %
for sale
Noncovered
loans,
covered loans
and loss
share
receivable    9,357,080      410,818     4.39  %  9,155,973      438,579     4.79  %
Total earning 13,072,691     521,842     3.99  %  12,728,724     547,945     4.30  %
assets
Allowance for (143,131)                           (139,414)
loan losses
Other assets  1,324,252                           1,343,887
Total assets  $ 14,620,627                        $ 14,495,330
LIABILITIES
AND
SHAREHOLDERS'
EQUITY
Deposits:
Non-interest  $ 3,181,475    —           —        $ 2,969,137    —           —
bearing
Interest      1,082,740      987         0.09  %  893,062        816         0.09  %
bearing
Savings and
money market  5,724,330      20,563      0.36  %  5,320,392      28,171      0.53  %
accounts
Certificates
and other     1,565,253      11,723      0.75  %  2,229,910      20,003      0.90  %
time deposits
Total         11,553,798     33,273      0.29  %  11,412,501     48,990      0.43  %
deposits
Securities
sold under    949,756        1,157       0.12  %  925,803        3,344       0.36  %
agreements to
repurchase
Wholesale     175,989        4,423       2.51  %  298,835        6,295       2.11  %
borrowings
Total
interest      9,498,068      38,853      0.41  %  9,668,002      58,629      0.61  %
bearing
liabilities
Other         332,976                             309,838
liabilities
Shareholders' 1,608,108                           1,548,353
equity
Total
liabilities
and           $ 14,620,627                        $ 14,495,330
shareholders'
equity
Net yield on
earning       $ 13,072,691   $ 482,989   3.69  %  $ 12,728,724   $ 489,316   3.84  %
assets
Interest rate                            3.58  %                             3.70  %
spread
Note: Interest income on tax-exempt securities and loans has been adjusted to a
fully-taxable equivalent basis.
Nonaccrual loans have been included in the average balances.





FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(Unaudited)                     Quarters ended          Twelve months ended
(Dollars in thousands except    December 31,            December 31,
per share data)
                                2012        2011        2012        2011
Interest income:
  Loans and loans held for sale $ 101,086   $ 107,516   $ 410,299   $ 438,393
  Investment securities:
      Taxable                   20,196      21,434      85,030      87,044
      Tax-exempt                4,084       3,298       15,354      12,819
      Total investment          24,280      24,732      100,384     99,863
      securities interest
           Total interest       125,366     132,248     510,683     538,256
           income
Interest expense:
  Deposits:
      Interest-bearing          261         237         987         816
      Savings and money market  5,261       5,998       20,563      28,171
      accounts
      Certificates and other    2,287       3,201       11,723      20,003
      time deposits
  Securities sold under         303         512         1,157       3,344
  agreements to repurchase
  Wholesale borrowings          1,024       1,334       4,423       6,295
      Total interest expense    9,136       11,282      38,853      58,629
      Net interest income       116,230     120,966     471,830     479,627
Provision for noncovered loan   7,116       12,275      33,976      54,035
losses
Provision for covered loan      5,146       2,773       20,722      20,353
losses
      Net interest income after 103,968     105,918     417,132     405,239
      provision for loan losses
Other income:
  Trust department income       5,662       5,413       23,143      22,396
  Service charges on deposits   14,247      15,622      57,737      64,082
  Credit card fees              11,167      10,182      43,569      49,539
  ATM and other service fees    3,432       3,920       14,792      13,701
  Bank owned life insurance     3,067       3,381       12,140      14,820
  income
  Investment services and       2,147       1,844       8,990       8,228
  insurance
  Investment securities gains,  2,425       5,790       3,786       11,081
  net
  Loan sales and servicing      7,946       5,102       27,031      14,205
  income
  Other operating income        11,559      8,483       32,416      26,705
      Total other income        61,652      59,737      223,604     224,757
Other expenses:
  Salaries, wages, pension and  61,560      62,546      245,192     240,362
  employee benefits
  Net occupancy expense         7,114       7,270       31,754      32,414
  Equipment expense             7,398       7,234       29,243      27,959
  Stationery, supplies and      2,162       2,719       8,800       10,691
  postage
  Bankcard, loan processing and 9,260       7,948       34,195      32,226
  other costs
  Professional services         6,119       5,763       23,480      23,229
  Amortization of intangibles   444         543         1,866       2,172
  FDIC insurance expense        1,738       5,119       10,753      17,306
  Other operating expense       16,386      24,732      68,330      77,986
      Total other expenses      112,181     123,874     453,613     464,345
           Income before income 53,439      41,781      187,123     165,651
           tax expense
Income tax expense              15,215      11,285      53,017      46,093
           Net income           $ 38,224    $ 30,496    $ 134,106   $ 119,558
Other comprehensive income, net
of taxes
  Changes in unrealized
  securities' holding gains and $ (6,718)   $ 1,317     $ 4,154     $ 26,205
  losses
  Reclassification for realized (1,576)     (3,764)     (2,461)     (7,203)
  securities' gains
  Change in minimum pension     5,989       (16,786)    5,989       (16,786)
  liability
  Total other comprehensive     (2,305)     (19,233)    7,682       2,216
  gain (loss), net of taxes
      Comprehensive income      $ 35,919    $ 11,263    $ 141,788   $ 121,774
  Net income applicable to      $ 38,224    $ 30,496    $ 134,106   $ 119,558
  common shares
  Net income used in diluted    $ 38,224    $ 30,496    $ 134,106   $ 119,558
  EPS calculation
Weighted average number of
common shares outstanding -     109,652     109,249     109,518     109,102
basic
Weighted average number of
common shares outstanding -     109,652     109,249     109,518     109,102
diluted
Basic earnings per common share $ 0.35      $ 0.28      $ 1.22      $ 1.10
Diluted earnings per common     $ 0.35      $ 0.28      $ 1.22      $ 1.10
share
Dividend per common share       $ 0.16      $ 0.16      $ 0.64      $ 0.64





FIRSTMERIT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME---LINKED QUARTERS
                        Quarterly Results
(Unaudited)             2012       2012       2012       2012       2011
(Dollars in thousands,  4th qtr    3rd qtr    2nd qtr    1st qtr    4th qtr
except share data)
Loans and loans held    $ 101,086  $ 103,005  $ 103,126  $ 103,082  $ 107,516
for sale
Investment securities   24,280     24,477     25,629     25,998     24,732
Total interest income   125,366    127,482    128,755    129,080    132,248
Interest on deposits:
Interest-bearing        261        243        236        247        237
Savings and money       5,261      5,166      5,033      5,103      5,998
market accounts
Certificates and other  2,287      2,743      3,169      3,524      3,201
time deposits
Securities sold under
agreements to           303        310        276        268        512
repurchase
Wholesale borrowings    1,024      1,130      1,118      1,151      1,334
Total interest expense  9,136      9,592      9,832      10,293     11,282
Net interest income     116,230    117,890    118,923    118,787    120,966
Provision for           7,116      9,965      8,766      8,129      12,275
noncovered loan losses
Provision for covered   5,146      6,214      3,430      5,932      2,773
loan losses
Net interest income
after provision for     103,968    101,711    106,727    104,726    105,918
loan losses
Other income:
Trust department income 5,662      6,124      5,730      5,627      5,413
Service charges on      14,247     14,603     14,478     14,409     15,622
deposits
Credit card fees        11,167     11,006     11,216     10,180     10,182
ATM and other service   3,432      3,680      3,890      3,790      3,920
fees
Bank owned life         3,067      3,094      2,923      3,056      3,381
insurance income
Investment services and 2,147      2,208      2,388      2,247      1,844
insurance
Investment securities   2,425      553        548        260        5,790
gains, net
Loan sales and          7,946      7,255      5,139      6,691      5,102
servicing income
Other operating income  11,559     6,402      8,989      5,466      8,483
Total other income      61,652     54,925     55,301     51,726     59,737
Other expenses:
Salaries, wages,
pension and employee    61,560     58,061     61,598     63,973     62,546
benefits
Net occupancy expense   7,114      8,077      7,971      8,592      7,270
Equipment expense       7,398      7,143      7,598      7,104      7,234
Stationery, supplies    2,162      2,210      2,285      2,143      2,719
and postage
Bankcard, loan
processing and other    9,260      8,424      8,858      7,653      7,948
costs
Professional services   6,119      4,702      9,307      3,352      5,763
Amortization of         444        456        483        483        543
intangibles
FDIC insurance expense 1,738      1,832      3,463      3,720      5,119
Other operating expense 16,386     17,682     17,514     16,748     24,732
Total other expenses    112,181    108,587    119,077    113,768    123,874
Income before income    53,439     48,049     42,951     42,684     41,781
tax expense
Income taxes            15,215     13,096     12,366     12,340     11,285
Net income              38,224     34,953     30,585     30,344     30,496
Other comprehensive
income (loss), net of   (2,305)    4,525      3,747      1,715      (19,233)
taxes
Comprehensive income    $ 35,919   $ 39,478   $ 34,332   $ 32,059   $ 11,263
Net income applicable   $ 38,224   $ 34,953   $ 30,585   $ 30,344   $ 30,496
to common shares
Net income used in      $ 38,224   $ 34,953   $ 30,585   $ 30,344   $ 30,496
diluted EPS calculation
Weighted-average common 109,652    109,645    109,562    109,211    109,249
shares - basic
Weighted-average common 109,652    109,645    109,562    109,211    109,249
shares - diluted
Basic earnings per      $ 0.35     $ 0.32     $ 0.28     $ 0.28     $ 0.28
common share
Diluted earnings per    $ 0.35     $ 0.32     $ 0.28     $ 0.28     $ 0.28
common share





FIRSTMERIT CORPORATION AND SUBSIDIARIES
ASSET QUALITY INFORMATION (excluding Covered Assets)
              (Unaudited)                                                  (Audited)
(Dollars in
thousands,    Quarterly Periods                                            Annual
except                                                                     Period
ratios)
              December    September   June 30,    March 31,   December     December
              31,         30,                                 31,          31,
Allowance for 2012        2012        2012        2012        2011         2011
Credit Losses
Allowance for
noncovered
loan losses,  $ 98,942    $ 103,849   $ 103,849   $ 107,699   $ 109,187    $ 114,690
beginning of
period
Provision for
noncovered    7,116       9,965       8,766       8,129       12,275       54,035
loan losses
Charge-offs   12,475      20,999      15,014      17,417      18,984       82,768
Recoveries    5,359       6,127       6,248       5,438       5,221        21,742
Net           7,116       14,872      8,766       11,979      13,763       61,026
charge-offs
Allowance for
noncovered    $ 98,942    $ 98,942    $ 103,849   $ 103,849   $ 107,699    $ 107,699
loan losses,
end of period
Reserve for
unfunded
lending
commitments,
beginning of  $ 5,760     $ 5,666     $ 5,410     $ 6,373     $ 6,360      $ 8,849
period
Provision for
(relief of)   (327)       94          256         (963)       13           (2,476)
credit losses
Reserve for
unfunded
lending
commitments,
end of period $ 5,433     $ 5,760     $ 5,666     $ 5,410     $ 6,373      $ 6,373
Allowance for $ 104,375   $ 104,702   $ 109,515   $ 109,259   $ 114,072    $ 114,072
Credit Losses
Ratios (a)
Provision for
loan losses   0.34      % 0.48      % 0.44      % 0.42      % 0.63      %  0.73      %
to average
loans
Net
charge-offs   0.34      % 0.72      % 0.44      % 0.62      % 0.71      %  0.82      %
to average
loans
Allowance for
loan losses   1.13      % 1.19      % 1.28      % 1.32      % 1.39      %  1.39      %
to period-end
loans
Allowance for
credit losses 1.20      % 1.26      % 1.35      % 1.39      % 1.47      %  1.47      %
to period-end
loans
Allowance for
loan losses
to            269.69    % 196.66    % 222.44    % 194.97    % 166.64    %  166.64    %
nonperforming
loans
Allowance for
credit losses
to            284.50    % 208.11    % 234.57    % 205.13    % 176.50    %  176.50    %
nonperforming
loans
Asset Quality
(a)
Impaired
noncovered
loans:
Nonaccrual    $ 21,766    $ 31,492    $ 38,381    $ 44,546    $ 55,815     $ 55,815
Other
nonperforming
loans:
Nonaccrual    14,921      18,819      8,306       8,717       8,816        8,816
(b)
Total
nonperforming 36,687      50,311      46,687      53,263      64,631       64,631
loans
Other real
estate        13,537      13,744      14,393      14,670      16,463       16,463
("ORE")
Total
nonperforming $ 50,224    $ 64,055    $ 61,080    $ 67,933    $ 81,094     $ 81,094
assets
("NPAs")
NPAs to
period-end    0.57      % 0.77      % 0.75      % 0.86      % 1.04      %  1.04      %
loans + ORE
Accruing
noncovered
loans past    $ 9,417     $ 9,691     $ 6,545     $ 9,261     $ 11,376     $ 11,376
due 90 days
or more
(a) Excludes covered loans and related loss share receivable with a period end balance
of $1.0 billion, $1.2 billion, $1.3 billion, $1.4 billion and $1.5 billion and covered
ORE and related loss share receivable with a period end balance of $59.9 million,
$56.8 million, $54.5 million, $56.4 million and $54.5 million at December 31, 2012,
September 30, 2012, June 30, 2012, March 31, 2012 and December 31, 2011, respectively.
(b) At December 31, 2012 and September 30, 2012, included are $7.7 million and $10.6
million, respectively, of consumer loans classified as troubled debt restructurings
where the borrower's obligation to the Corporation has been restructured in
bankruptcy.



FIRSTMERIT CORPORATION AND SUBSIDIARIES
NONINTEREST INCOME AND NONINTEREST EXPENSE DETAIL
(Unaudited)
(Dollars in
thousands)
                       2012     2012        2012        2012        2011
QUARTERLY OTHER        4th qtr  3rd qtr     2nd qtr     1st qtr     4th qtr
INCOME DETAIL
Trust department     $ 5,662    $ 6,124     $ 5,730     $ 5,627     $ 5,413
income
Service charges on     14,247   14,603      14,478      14,409      15,622
deposits
Credit card fees       11,167   11,006      11,216      10,180      10,182
ATM and other          3,432    3,680       3,890       3,790       3,920
service fees
Bank owned life        3,067    3,094       2,923       3,056       3,381
insurance income
Investment services    2,147    2,208       2,388       2,247       1,844
and insurance
Investment
securities gains,      2,425    553         548         260         5,790
net
Loan sales and         7,946    7,255       5,139       6,691       5,102
servicing income
Other operating        11,559   6,402       8,989       5,466       8,483
income
Total Other Income   $ 61,652   $ 54,925    $ 55,301    $ 51,726    $ 59,737
                       2012     2012        2012        2012        2011
QUARTERLY OTHER        4th qtr  3rd qtr     2nd qtr     1st qtr     4th qtr
EXPENSES DETAIL
Salaries, wages,
pension and          $ 61,560   $ 58,061    $ 61,598    $ 63,973    $ 62,546
employee benefits
Net occupancy          7,114    8,077       7,971       8,592       7,270
expense
Equipment expense      7,398    7,143       7,598       7,104       7,234
Taxes, other than      1,924    2,051       2,020       1,955       1,389
income taxes
Stationery,
supplies and           2,162    2,210       2,285       2,143       2,719
postage
Bankcard, loan
processing and         9,260    8,424       8,858       7,653       7,948
other costs
Advertising            2,774    2,472       2,280       1,684       2,275
Professional           6,119    4,702       9,307       3,352       5,763
services
Telephone              1,230    1,316       1,379       1,398       1,525
Amortization of        444      456         483         483         543
intangibles
FDIC insurance         1,738    1,832       3,463       3,720       5,119
expense
Other operating        10,458   11,843      11,835      11,711      19,543
expense
Total Other          $ 112,181  $ 108,587   $ 119,077   $ 113,768   $ 123,874
Expenses



FIRSTMERIT CORPORATION AND SUBSIDIARIES
ALLOWANCE FOR NONCOVERED LOAN LOSSES - Net Charge-off Detail
(Unaudited)         Quarters ended                Year ended
(Dollars in         December 31,                  December 31,
thousands)
                    2012           2011           2012           2011
Allowance for
noncovered loan     $ 98,942       $ 109,187      $ 107,699      $ 114,690
losses - beginning
of period
Loans charged off:
Commercial          5,081          7,418          28,648         31,943
Mortgage            533            1,033          3,964          4,819
Installment         3,588          5,635          18,029         25,839
Home equity         1,141          2,491          7,249          8,691
Credit cards        1,553          1,711          6,171          7,846
Leases              144            —              144            778
Overdrafts          435            696            1,700          2,852
Total               12,475         18,984         65,905         82,768
Recoveries:
Commercial          1,317          850            5,626          2,703
Mortgage            44             29             235            221
Installment         2,581          2,890          11,635         13,639
Home equity         725            730            2,819          1,985
Credit cards        555            475            2,138          2,264
Manufactured        9              56             59             119
housing
Leases              —              2              38             37
Overdrafts          128            189            622            774
Total               5,359          5,221          23,172         21,742
Net charge-offs     7,116          13,763         42,733         61,026
Provision for
noncovered loan     7,116          12,275         33,976         54,035
losses
Allowance for
noncovered loan     $ 98,942       $ 107,699      $ 98,942       $ 107,699
losses-end of
period
Average noncovered  $ 8,444,208    $ 7,673,913    $ 8,089,317    $ 7,409,502
loans (a)
Ratio to average
noncovered loans
(a):
(Annualized)
noncovered net      0.34        %  0.71        %  0.53        %  0.82        %
charge-offs
Provision for
noncovered loan     0.34        %  0.63        %  0.42        %  0.73        %
losses
Noncovered Loans,   $ 8,731,659    $ 7,748,944    $ 8,731,659    $ 7,748,944
period-end (a)
Allowance for       $ 104,375      $ 114,072      $ 104,375      $ 114,072
credit losses (a):
To (annualized) net 3.69           2.09           2.44           1.87
charge-offs
Allowance for
noncovered loan
losses (a):
To period-end       1.13        %  1.39        %  1.13        %  1.39        %
noncovered loans
To (annualized) net
noncovered          3.50           1.97           2.32           1.76
charge-offs
(a) Excludes covered loans and loss share receivable.



FirstMerit Corporation
Analysts: Thomas O'Malley/Investor Relations Officer
Phone: 330.384.7109
Media Contact: Robert Townsend/Media Relations Officer
Phone: 330.384.7075



SOURCE FirstMerit Corporation

Website: http://www.firstmerit.com
 
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