8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8‑K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported, October 23, 2012

FIRSTMERIT CORPORATION

(Exact Name of Registrant as Specified in its Charter)

Ohio      0-10161     34-1339938

(State or Other Jurisdiction          (Commission      (IRS Employer

of Incorporation)          File Number)      Identification No.)

III Cascade Plaza, 7^th Floor Akron, Ohio     44308

(Address of Principal Executive Offices)     (Zip Code)

(330) 996-6300

(Registrant’s telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

£Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

£Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

£ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

£Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 2.02    RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On October 23, 2012, FirstMerit Corporation (the "Corporation") announced earnings for the quarter ended September 30, 2012. A copy of the press release and certain financial information for this period is attached as Exhibit 99.1 hereto and incorporated by reference herein. A supplemental information package to be reviewed on the Corporation's earnings call is attached as Exhibit 99.2 hereto and incorporated by reference herein.

Pursuant to General Instruction B.2 of Form 8-K, the information in this Item 2.02 is being furnished to the Securities and Exchange Commission and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section. Furthermore, the information in this Item 2.02 shall not be deemed to be incorporated by reference into the filings of the Corporation under the Securities Act of 1933.

ITEM 9.01    FINANCIAL STATEMENTS AND EXHIBITS.

(d) Exhibits.

Exhibit Number	Description
99.1	Press Release, dated October 23, 2012.
99.2	Supplemental Information Package for earnings release conference call.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

FIRSTMERIT CORPORATION

(Registrant)

By: /s/ Terrence E. Bichsel         

Terrence E. Bichsel

Executive Vice President and

Chief Financial Officer

Date: October 23, 2012

EXHIBIT INDEX

Exhibit Number	Description
99.1	Press Release, dated October 23, 2012.
99.2	Supplemental Information Package for earnings release conference call.

EX-99.1

Exhibit 99.1

FOR IMMEDIATE RELEASE

FirstMerit Corporation

Analysts: Thomas O’Malley/Investor Relations Officer

Phone: 330.384.7109    

Media Contact: Robert Townsend/Media Relations Officer

Phone: 330.384.7075

FirstMerit Reports Third Quarter 2012 EPS of $0.32 Per Share

Quarterly Highlights include:

• Sustained profitability: 54th consecutive quarter of profitability

• Continued organic growth: Average commercial noncovered loan growth of $169.4 million, or 3.21%, from prior quarter; average core deposit growth of $126.8 million, or 1.28%, from prior quarter

• Strong balance sheet: Strong tangible common equity ratio increased to 8.18% from 8.01% in the prior quarter.

Akron, Ohio (October 23, 2012) - FirstMerit Corporation (Nasdaq: FMER) reported third quarter 2012 net income of $35.0 million, or $0.32 per diluted share. This compares with $30.6 million, or $0.28 per diluted share, for the second quarter 2012 and $31.7 million, or $0.29 per diluted share, for the third quarter 2011.

Returns on average common equity (“ROE”) and average assets (“ROA”) for the third quarter 2012 were 8.60% and 0.94%, respectively, compared with 7.69% and 0.84%, respectively, for the second quarter 2012 and 8.02% and 0.86%, respectively, for the third quarter 2011.

“Our strong results in the third quarter reflect our continued focus on banking fundamentals in the face of ongoing industry challenges including a low-interest environment and slow economic recovery. Our financial strength and stability support continued geographic growth. To that point, we announced this quarter our intention to acquire Citizens Republic Bancorp ("Citizens") in Michigan. We anticipate this transaction will close in the second quarter of 2013, subject to the receipt of regulatory approvals and other closing conditions, and at that time we look to become the bank of choice throughout the Upper Midwest, across the five contiguous states of Pennsylvania, Ohio, Michigan, Illinois and Wisconsin,” said Paul G. Greig, chairman, president and CEO, FirstMerit Corporation.

“Noncovered commercial loan growth was very strong this quarter in both our Chicago and legacy Ohio markets.  Additionally, progress on our efficiency initiative is reflected in our lower operating expense levels and improved efficiency ratio compared against both prior and year ago quarterly periods,“ said Greig.

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

Net interest margin was 3.66% for the third quarter of 2012 compared with 3.77% for the second quarter of 2012 and 3.75% for the third quarter of 2011. The net interest margin compressed 11 basis points compared with the second quarter of 2012 due to reductions in overall loan and investment portfolio yields.  Reductions in deposit costs and a favorable mix shift did not offset the downward pressure on earning asset yields in this persistent low rate environment.

Average noncovered loans during the third quarter of 2012increased$244.4 million, or 3.08%, compared with the second quarter of 2012 and increased$702.2 million, or 9.38%, compared with the third quarter of 2011. Average noncovered commercial loans increased$169.4 million, or 3.21%, compared with the prior quarter, and increased$567.7 million, or 11.64%, compared with the year ago quarter. The average consumer loan portfolio grew for the fifth consecutive quarter, increasing $65.3 million, or 2.52%, compared to the prior quarter, and $102.8 million, or 4.03%, compared with the year ago quarter.

Average deposits were $11.6 billion during the third quarter of 2012, an increase of $36.6 million, or 0.32%, compared with the second quarter of 2012, and an increase of $144.2 million, or 1.26%, compared with the third quarter of 2011. During the third quarter 2012, average core deposits, which exclude time deposits, increased$126.8 million, or 1.28%, compared with the second quarter 2012 and increased$715.6 million, or 7.66%, compared with the third quarter 2011. Average time deposits decreased$90.1 million, or 5.57%, and decreased$571.4 million, or 27.21%, respectively, over prior and year-ago quarters. The Corporation continues to emphasize growth in lower cost core deposit products and decrease its reliance on certificates of deposit accounts to support balance sheet growth.   For the third quarter of 2012, average core deposits accounted for 86.82% of total average deposits, compared with 85.99% for the second quarter of 2012 and 81.66% for the third quarter of 2011.

Average investments decreased$4.3 million, or 0.12%, compared with the second quarter of 2012 and increased$17.5 million, or 0.48% compared with the third quarter of 2011.

Net interest income on a fully tax-equivalent (“FTE”) basis was $120.7 million in the third quarter 2012 compared with $121.7 million in the second quarter of 2012 and $121.8 million in the third quarter of 2011.

Noninterest income, excluding gains on securities transactions of $0.6 million, for the third quarter of 2012 was $54.4 million, a decrease of $0.4 million, or 0.70%, from the second quarter of 2012 and a decrease of $2.0 million, or 3.54%, from the third quarter of 2011. The decrease in noninterest income from the second quarter of 2012 was attributable to a decrease of $2.6 million in gains on covered loans paid in full partially offset by increased loan sales and servicing income of $2.1 million. The decrease in noninterest income from the third quarter of 2011 was attributable a decline in service charges on deposits of $3.2 million as a result of regulatory revisions to overdraft fee policies which took effect in the fourth quarter of 2011 and a decline in credit card fees of $2.6 million as a result of the implementation of the Durbin Interchange Amendment in the fourth quarter of 2011. These declines in income were partially offset by an increase in loans sales and servicing income of $3.8 million resulting from an increase in mortgage loan originations and refinancings activity due to a decrease in interest rates in 2012.

Other income, net of $0.6 million in securities gains, as a percentage of net revenue for the third quarter of 2012 was 31.05% compared with 31.03% for second quarter of 2012 and 31.64% for the third quarter of 2011. Net revenue is defined as net interest income, on an FTE basis, plus other income, less gains from securities sales.

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FirstMerit Corporation Reports Third Quarter 2012 EPS Results

Noninterest expense for the third quarter of 2012 was $108.6 million, a decrease of $10.5 million, or 8.81%, from the second quarter of 2012, which included $8.9 million in one-time charges related to the Efficiency Initiative announced in the prior quarter, and a decrease of $7.4 million, or 6.36%, from the third quarter of 2011. Other one-time charges incurred in the third quarter of 2012 included $0.5 million associated with costs of closing eight full service branches and $1.1 million of professional and legal fees associated with the proposed acquisition of Citizens. The Corporation demonstrated significant ongoing progress in reducing operating expenses in response to the challenging industry environment.

During the third quarter of 2012, the Corporation reported an efficiency ratio of 61.75%, compared with 67.21% for the second quarter of 2012 and 64.78% for the third quarter of 2011. Excluding the $8.9 million in one-time charges related to the Efficiency Initiative announced in the prior quarter, the reported efficiency ratio for the second quarter of 2012 would be 62.15%.

As a result of guidance from the Office of the Comptroller of the Currency ("OCC"), $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 has 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.

Net charge-offs of noncovered loans totaled $14.9 million, or 0.72% of average noncovered loans in the third quarter of 2012, including $2.8 million in charge-offs relating to the aforementioned troubled debt restructured loans, compared with $8.8 million, or 0.44% of average noncovered loans, in the second quarter 2012 and $14.6 million, or 0.77% of average noncovered loans, in the third quarter of 2011.

Nonperforming assets totaled $64.1 million at September 30, 2012, an increase of $3.0 million, or 4.87%, compared with June 30, 2012 and a decrease of $26.0 million, or 28.89%, compared with September 30, 2011. The increase in nonperforming assets in the third quarter is a result of the $10.6 million in loans noted above. Excluding the impact of the OCC guidance, nonperforming assets decreased $7.6 million or 12.44% compared with June 30, 2012 and $36.6 million or 40.63% compared with September 30, 2011. Nonperforming assets at September 30, 2012 represented 0.77% of period-end noncovered loans plus noncovered other real estate compared with 0.75% at June 30, 2012 and 1.18% at September 30, 2011.

The allowance for noncovered loan losses totaled $98.9 million at September 30, 2012, down from $103.8 million at June 30, 2012. At September 30, 2012, the allowance for noncovered loan losses was 1.19% of period-end noncovered loans compared with 1.28% at June 30, 2012 and 1.43% at September 30, 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 1.26% of period-end noncovered loans at September 30, 2012, compared with 1.35% at June 30, 2012 and 1.51% at September 30, 2011. The allowance for credit losses to nonperforming noncovered loans was 208.11% at September 30, 2012, compared with 234.57% at June 30, 2012 and 170.16% at September 30, 2011.

The Corporation's total assets at September 30, 2012 were $14.6 billion, an increase of $7.5 million, or 0.05%, compared with June 30, 2012 and a decrease of $59.4 million, or 0.40%, compared with September 30, 2011.

Total deposits were $11.5 billion at September 30, 2012, a decrease of $83.4 million, or 0.72%,

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FirstMerit Corporation Reports Third Quarter 2012 EPS Results

from June 30, 2012 and an increase of $136.3 million, or 1.20%, from September 30, 2011. Core deposits totaled $10.1 billion at September 30, 2012, an increase of $18.3 million, or 0.18% from June 30, 2012 and an increase of $0.6 billion, or 6.38%, from September 30, 2011.

Shareholders' equity was $1.6 billion at September 30, 2012, June 30, 2012 and September 30, 2011, respectively. The Corporation maintained a strong capital position as tangible common equity to assets was 8.18% at September 30, 2012, compared with 8.01% at June 30, 2012 and 7.75% at September 30, 2011. The common cash dividend per share paid in the third quarter 2012 was $0.16.

Third 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 third 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: 39956933. A replay of the conference call will be available at approximately 2:00 p.m. (Eastern Time) on October 23, 2012 through November 6, 2012 by dialing (855) 859-2056, and entering the PIN: 39956933. The Corporation will provide a slide presentation, which management will speak to during the conference call. A copy of the presentation will be available prior to the earnings conference call 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 $14.6 billion as of September 30, 2012 and 196 banking offices and 204 ATM locations in Ohio, Western Pennsylvania, and Chicago, Illinois areas. FirstMerit provides a complete range of banking and other financial services to consumers and businesses through its core operations. Principal affiliates 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 its consolidated financial statements for the quarter ended September 30, 2012 on Form 10-Q. As a result, the Corporation will continue to evaluate the impact of any subsequent events on critical accounting assumptions and estimates made as of September 30, 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, success of the Corporation's efforts to reduce operating expenses, 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

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FirstMerit Corporation Reports Third Quarter 2012 EPS Results

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 will file with the U.S. Securities and Exchange Commission (“SEC”) a Registration Statement on Form S-4 that will include a joint proxy statement of FirstMerit and Citizens that also constitutes a prospectus of FirstMerit. FirstMerit and Citizens will deliver the joint proxy statement/prospectus to their respective shareholders. FirstMerit and Citizens urge investors and shareholders to read the joint proxy statement/prospectus regarding the proposed merger 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 will be set forth in the joint proxy statement/prospectus when it is filed with the SEC. You can find information about FirstMerit's executive officers and directors in its definitive proxy statement filed with the SEC on March 8, 2012. You can find information about Citizens' executive officers and directors in its definitive proxy statement filed with the SEC on March 12, 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 when it becomes available. You can obtain free copies of these documents from FirstMerit and Citizens using the contact information above.

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FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Consolidated Financial Highlights
(Unaudited)							Quarters
(Dollars in thousands)	2012			2012			2012			2011			2011
	3rd Qtr			2nd Qtr			1st Qtr			4th Qtr			3rd Qtr
EARNINGS
Net interest income FTE (a)	$	120,741		$	121,689		$	121,428		$	123,598		$	121,788
Provision for noncovered loan losses	9,965			8,766			8,129			12,275			14,604
Provision for covered loan losses	6,214			3,430			5,932			2,773			4,768
Other income	54,925			55,301			51,726			59,737			60,772
Other expenses	108,587			119,077			113,768			123,874			115,957
FTE adjustment (a)	2,851			2,766			2,641			2,632			2,396
Net income	34,953			30,585			30,344			30,496			31,737
Diluted EPS	0.32			0.28			0.28			0.28			0.29
PERFORMANCE RATIOS
Return on average assets (ROA)	0.94		%	0.84		%	0.84		%	0.83		%	0.86		%
Return on average common equity (ROE)	8.60		%	7.69		%	7.72		%	7.70		%	8.02		%
Net interest margin FTE (a)	3.66		%	3.77		%	3.78		%	3.85		%	3.75		%
Efficiency ratio	61.75		%	67.21		%	65.52		%	69.46		%	64.78		%
Number of full-time equivalent employees	2,733			2,789			2,997			3,018			3,016
MARKET DATA
Book value/common share	$	14.82		$	14.60		$	14.51		$	14.33		$	14.38
Period-end common share mkt value	14.71			16.51			16.86			15.13			11.36
Market as a % of book	99		%	113		%	116		%	106		%	79		%
Cash dividends/common share	$	0.16		$	0.16		$	0.16		$	0.16		$	0.16
Common stock dividend payout ratio	50.00		%	57.14		%	57.14		%	57.14		%	55.17		%
Average basic common shares	109,645			109,562			109,211			109,249			109,245
Average diluted common shares	109,645			109,562			109,211			109,249			109,246
Period end common shares	109,653			109,641			109,187			109,251			109,247
Common shares repurchased	6			111			69			7			10
Common stock market capitalization	$	1,612,996		$	1,810,173		$	1,840,893		$	1,652,968		$	1,241,046
ASSET QUALITY (excluding covered loans)
Gross charge-offs	$	20,999		$	15,014		$	17,417		$	18,984		$	20,014
Net charge-offs	14,872			8,766			11,979			13,763			14,604
Allowance for noncovered loan losses	98,942			103,849			103,849			107,699			109,187
Reserve for unfunded lending commitments	5,760			5,666			5,410			6,373			6,360
Nonperforming assets (NPAs) (b)	64,055			61,080			67,933			81,094			90,075
Net charge-offs/average loans ratio (b)	0.72		%	0.44		%	0.62		%	0.71		%	0.77		%
Allowance for noncovered loan losses/period-end loans (b)	1.19		%	1.28		%	1.32		%	1.39		%	1.43		%
Allowance for credit losses/period-end loans (b)	1.26		%	1.35		%	1.39		%	1.47		%	1.51		%
NPAs/loans and other real estate (b)	0.77		%	0.75		%	0.86		%	1.04		%	1.18		%
Allowance for noncovered loan losses/nonperforming loans	196.66		%	222.44		%	194.97		%	166.64		%	160.80		%
Allowance for credit losses/nonperforming loans	208.11		%	234.57		%	205.13		%	176.50		%	170.16		%
CAPITAL & LIQUIDITY
Period-end tangible common equity to assets	8.18		%	8.01		%	7.86		%	7.86		%	7.75		%
Average equity to assets	10.97		%	10.98		%	10.91		%	10.75		%	10.75		%
Average equity to total loans (c)	17.46		%	17.57		%	17.50		%	17.40		%	17.55		%
Average total loans to deposits (c)	79.89		%	78.78		%	78.74		%	79.12		%	78.18		%
AVERAGE BALANCES
Assets	$	14,734,016		$	14,558,514		$	14,496,937		$	14,623,441		$	14,610,628
Deposits	11,591,931			11,555,283			11,472,021			11,416,546			11,447,682
Loans, excluding acquired loans (c)	8,121,083			7,857,840			7,677,963			7,520,400			7,298,446
Acquired loans, including covered loans (c)	1,139,568			1,245,246			1,355,086			1,512,123			1,651,559
Earning assets	13,119,473			12,986,988			12,935,184			12,747,868			12,878,105
Shareholders' equity	1,616,569			1,599,187			1,581,009			1,572,061			1,570,411
ENDING BALANCES
Assets	$	14,628,843		$	14,621,344		$	14,670,818		$	14,441,702		$	14,688,278
Deposits	11,532,426			11,615,841			11,648,165			11,431,609			11,396,121
Loans, excluding acquired loans (c)	8,260,426			8,031,998			7,764,058			7,635,776			7,453,613
Acquired loans, including covered loans (c)	1,099,052			1,187,203			1,306,165			1,404,644			1,604,706
Goodwill	460,044			460,044			460,044			460,044			460,044
Intangible assets	6,817			7,274			7,756			8,239			8,782
Earning assets	13,219,301			13,212,071			13,318,202			13,011,267			12,885,242
Total shareholders' equity	1,624,704			1,600,815			1,584,105			1,565,953			1,570,654
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 September 30, 2012 include $10.6 million 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 $131.9 million, $152.6 million, $171.1 million, $205.7 million and $220.5 million as of September 30, 2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011, respectively.

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FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Consolidated Balance Sheets
(Dollars in thousands)				September 30,			December 31,			September 30,
(Unaudited, except December 31, 2011, which is derived from the audited financial statements)				2012			2011			2011
ASSETS
	Cash and due from banks			$	201,359		$	219,256		$	202,886
	Interest-bearing deposits in banks			37,058			158,063			116,059
		Total cash and cash equivalents		238,417			377,319			318,945
	Investment securities
		Held-to-maturity		620,631			82,764			92,214
		Available-for-sale		2,911,993			3,353,553			3,198,046
		Other investments		140,730			140,726			160,793
	Loans held for sale			17,540			30,077			39,340
	Noncovered loans:
		Commercial		5,511,678			5,107,747			5,018,857
		Residential mortgage		439,062			413,664			397,309
		Installment		1,321,081			1,263,665			1,271,327
		Home equity		789,743			743,982			743,377
		Credit cards		143,918			146,356			142,710
		Leases		110,938			73,530			57,992
			Total noncovered loans	8,316,420			7,748,944			7,631,572
			Allowance for noncovered loan losses	(98,942		)	(107,699		)	(109,187		)
			Net noncovered loans	8,217,478			7,641,245			7,522,385
	Covered loans (includes loss share receivable of $131.9 million, $205.7 million and $220.5 million at September 30, 2012, December 31, 2011 and September 30, 2011, respectively)			1,174,929			1,497,140			1,647,218
			Allowance for covered loan losses	(43,644		)	(36,417		)	(34,603		)
			Net covered loans	1,131,285			1,460,723			1,612,615
			Net loans	9,348,763			9,101,968			9,135,000
	Premises and equipment, net			182,043			192,949			193,075
	Goodwill			460,044			460,044			460,044
	Intangible assets			6,817			8,239			8,782
	Covered other real estate (includes loss share receivable of $0.1 million, $1.3 million and $3.5 million at September 30, 2012, December 31, 2011 and September 30, 2011, respectively)			56,795			54,505			61,890
	Accrued interest receivable and other assets			645,070			639,558			1,020,149
			Total assets	$	14,628,843		$	14,441,702		$	14,688,278
LIABILITIES AND SHAREHOLDERS' EQUITY
	Deposits:
		Noninterest-bearing		$	3,231,500		$	3,030,225		$	2,971,555
		Interest-bearing		1,079,913			1,062,896			967,574
		Savings and money market accounts		5,744,103			5,595,409			5,513,472
		Certificates and other time deposits		1,476,910			1,743,079			1,943,520
			Total deposits	11,532,426			11,431,609			11,396,121
	Federal funds purchased and securities sold under agreements to repurchase			963,455			866,265			987,030
	Wholesale borrowings			178,083			203,462			248,006
	Accrued taxes, expenses, and other liabilities			330,175			374,413			486,467
			Total liabilities	13,004,139			12,875,749			13,117,624
	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: September 30, 2012, December 31, 2011 and September 30, 2011 - 115,121,731 shares		127,937			127,937			127,937
		Capital surplus		473,781			479,882			478,738
		Accumulated other comprehensive loss		(13,900		)	(23,887		)	(4,654		)
		Retained earnings		1,175,001			1,131,203			1,118,027
		Treasury stock, at cost: September 30, 2012 - 5,468,853 shares; December 31, 2011 - 5,870,923 shares; September 30, 2011 -5,874,748 shares		(138,115		)	(149,182		)	(149,394		)
			Total shareholders' equity	1,624,704			1,565,953			1,570,654
			Total liabilities and shareholders' equity	$	14,628,843		$	14,441,702		$	14,688,278

7

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Average Consolidated Balance Sheets
	Quarterly Periods
(Unaudited)	September 30,			June 30,			March 31,			December 31,			September 30,
(Dollars in thousands)	2012			2012			2012			2011			2011
ASSETS
Cash and due from banks	$	440,231		$	410,533		$	378,736		$	621,899		$	517,150
Investment securities:
Held-to-maturity	337,685			127,769			90,664			89,166			85,664
Available-for-sale	3,215,203			3,429,411			3,459,439			3,231,195			3,429,631
Other investments	140,736			140,744			140,719			160,147			160,799
Loans held for sale	23,631			22,731			26,483			24,215			24,524
Noncovered loans:
Commercial	5,443,712			5,274,352			5,143,087			5,049,479			4,876,034
Residential mortgage	437,123			431,752			421,648			405,329			399,228
Installment	1,293,054			1,263,013			1,261,122			1,267,952			1,264,868
Home equity	779,087			750,859			738,154			744,326			741,497
Credit card	143,948			142,311			143,794			145,560			144,796
Leases	88,583			78,862			73,644			61,267			56,909
Total noncovered loans	8,185,507			7,941,149			7,781,449			7,673,913			7,483,332
Covered loans and loss share receivable	1,216,711			1,325,184			1,436,430			1,569,232			1,694,155
Total loans	9,402,218			9,266,333			9,217,879			9,243,145			9,177,487
Less: allowance for loan losses	145,061			143,565			142,628			141,360			138,441
Net loans	9,257,157			9,122,768			9,075,251			9,101,785			9,039,046
Total earning assets	13,119,473			12,986,988			12,935,184			12,747,868			12,878,105
Premises and equipment, net	184,544			187,181			190,669			193,219			192,218
Accrued interest receivable and other assets	1,134,829			1,117,377			1,134,976			1,201,815			1,161,596
TOTAL ASSETS	$	14,734,016		$	14,558,514		$	14,496,937		$	14,623,441		$	14,610,628
LIABILITIES
Deposits:
Noninterest-bearing	$	3,236,703		$	3,144,183		$	3,036,590		$	3,013,543		$	2,988,521
Interest-bearing	1,080,841			1,060,771			1,066,132			991,456			913,252
Savings and money market accounts	5,746,210			5,732,007			5,675,052			5,569,213			5,446,351
Certificates and other time deposits	1,528,177			1,618,322			1,694,247			1,842,334			2,099,558
Total deposits	11,591,931			11,555,283			11,472,021			11,416,546			11,447,682
Federal funds purchased and securities sold under agreements to repurchase	1,032,401			920,352			887,715			999,639			969,020
Wholesale borrowings	178,022			177,987			184,659			225,116			320,691
Total funds	12,802,354			12,653,622			12,544,395			12,641,301			12,737,393
Accrued taxes, expenses and other liabilities	315,093			305,705			371,533			410,079			302,824
Total liabilities	13,117,447			12,959,327			12,915,928			13,051,380			13,040,217
SHAREHOLDERS' EQUITY
Common stock	127,937			127,937			127,937			127,937			127,937
Capital surplus	472,820			473,650			481,856			479,257			477,864
Accumulated other comprehensive loss	(14,627		)	(18,363		)	(19,862		)	(15,198		)	(2,211		)
Retained earnings	1,168,649			1,156,324			1,140,953			1,129,392			1,116,207
Treasury stock	(138,210		)	(140,361		)	(149,875		)	(149,327		)	(149,386		)
Total shareholders' equity	1,616,569			1,599,187			1,581,009			1,572,061			1,570,411
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$	14,734,016		$	14,558,514		$	14,496,937		$	14,623,441		$	14,610,628

8

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBIDARIES
Average Consolidated Balance Sheets
Fully Tax-equivalent Interest Rates and Interest Differential
	Three months ended							Three months ended							Three months ended
	September 30, 2012							June 30, 2012							September 30, 2011
(Unaudited)	Average					Average		Average					Average		Average					Average
(Dollars in thousands)	Balance			Interest		Rate		Balance			Interest		Rate		Balance			Interest		Rate
ASSETS
Cash and due from banks	$	440,231						$	410,533						$	517,150
Investment securities and federal funds sold:
U.S. Treasury securities and U.S. Government agency obligations (taxable)	2,688,658			$	17,981	2.66	%	2,823,055			$	19,028	2.71	%	2,974,656			$	19,864	2.65	%
Obligations of states and political subdivisions (tax exempt)	660,143			6,332		3.82	%	482,475			6,254		5.21	%	385,055			5,275		5.44	%
Other securities and federal funds sold	344,823			2,652		3.06	%	392,394			2,756		2.82	%	316,383			2,084		2.61	%
Total investment securities and federal funds sold	3,693,624			26,965		2.90	%	3,697,924			28,038		3.05	%	3,676,094			27,223		2.94	%
Loans held for sale	23,631			240		4.04	%	22,731			238		4.21	%	24,524			284		4.59	%
Loans, including loss share receivable	9,402,218			103,128		4.36	%	9,266,333			103,245		4.48	%	9,177,487			108,444		4.69	%
Total earning assets	13,119,473			130,333		3.95	%	12,986,988			131,521		4.07	%	12,878,105			135,951		4.19	%
Allowance for loan losses	(145,061		)					(143,565		)					(138,441		)
Other assets	1,319,373							1,304,558							1,353,814
Total assets	$	14,734,016						$	14,558,514						$	14,610,628
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Noninterest-bearing	$	3,236,703		—		—	%	$	3,144,183		—		—	%	$	2,988,521		—		—	%
Interest-bearing	1,080,841			243		0.09	%	1,060,771			236		0.09	%	913,252			218		0.09	%
Savings and money market accounts	5,746,210			5,166		0.36	%	5,732,007			5,033		0.35	%	5,446,351			6,929		0.50	%
Certificates and other time deposits	1,528,177			2,743		0.71	%	1,618,322			3,169		0.79	%	2,099,558			4,370		0.83	%
Total deposits	11,591,931			8,152		0.28	%	11,555,283			8,438		0.29	%	11,447,682			11,517		0.40	%
Securities sold under agreements to repurchase	1,032,401			310		0.12	%	920,352			276		0.12	%	969,020			977		0.40	%
Wholesale borrowings	178,022			1,130		2.53	%	177,987			1,118		2.53	%	320,691			1,669		2.06	%
Total interest bearing liabilities	9,565,651			9,592		0.40	%	9,509,439			9,832		0.42	%	9,748,872			14,163		0.58	%
Other liabilities	315,093							305,705							302,824
Shareholders' equity	1,616,569							1,599,187							1,570,411
Total liabilities and shareholders' equity	$	14,734,016						$	14,558,514						$	14,610,628
Net yield on earning assets	$	13,119,473		$	120,741	3.66	%	$	12,986,988		$	121,689	3.77	%	$	12,878,105		$	121,788	3.75	%
Interest rate spread						3.55	%						3.66	%						3.61	%
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.

9

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDARIES
Average Consolidated Balance Sheets
Fully Tax-equivalent Interest Rates and Interest Differential
	Nine Months Ended							Nine Months Ended
	September 30, 2012							September 30, 2011
(Unaudited)	Average					Average		Average					Average
(Dollars in thousands)	Balance			Interest		Rate		Balance			Interest		Rate
ASSETS
Cash and due from banks	$	409,944						$	541,992
Investment securities and federal funds sold:
U.S. Treasury securities and U.S. Government agency obligations (taxable)	2,797,521			$	56,688	2.71	%	2,906,269			$	59,174	2.72	%
Obligations of states and political subdivisions (tax exempt)	526,962			18,450		4.68	%	370,553			15,709		5.67	%
Other securities and federal funds sold	369,639			8,146		2.94	%	296,976			6,436		2.90	%
Total investment securities and federal funds sold	3,694,122			83,284		3.01	%	3,573,798			81,319		3.04	%
Loans held for sale	24,279			761		4.19	%	21,877			779		4.76	%
Loans, including loss share receivable	9,295,866			309,530		4.45	%	9,126,596			330,965		4.85	%
Total earning assets	13,014,267			393,575		4.04	%	12,722,271			413,063		4.34	%
Allowance for loan losses	(143,756		)					(138,758		)
Other assets	1,316,071							1,326,045
Total assets	$	14,596,526						$	14,451,550
LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
Noninterest-bearing	$	3,139,515		—		—	%	$	2,954,172		—		—	%
Interest-bearing	1,069,290			726		0.09	%	859,903			579		0.09	%
Savings and money market accounts	5,717,860			15,302		0.36	%	5,236,540			22,172		0.57	%
Certificates and other time deposits	1,613,270			9,436		0.78	%	2,360,522			16,803		0.95	%
Total deposits	11,539,935			25,464		0.29	%	11,411,137			39,554		0.46	%
Securities sold under agreements to repurchase	947,135			854		0.12	%	900,920			2,832		0.42	%
Wholesale borrowings	180,215			3,399		2.52	%	323,678			4,963		2.05	%
Total interest bearing liabilities	9,527,770			29,717		0.42	%	9,681,563			47,349		0.65	%
Other liabilities	330,254							275,452
Shareholders' equity	1,598,987							1,540,363
Total liabilities and shareholders' equity	$	14,596,526						$	14,451,550
Net yield on earning assets	$	13,014,267		$	363,858	3.73	%	$	12,722,271		$	365,714	3.84	%
Interest rate spread						3.62	%						3.69	%
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.

10

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Consolidated Statements of Comprehensive Income
(Unaudited)				Quarters ended						Nine Months Ended
(Dollars in thousands except per share data)				September 30,						September 30,
				2012			2011			2012			2011
Interest income:
	Loans and loans held for sale			$	103,005		$	108,417		$	309,213		$	330,877
	Investment securities
		Taxable		20,633			21,949			64,834			65,610
		Tax-exempt		3,844			3,189			11,270			9,521
		Total investment securities interest		24,477			25,138			76,104			75,131
			Total interest income	127,482			133,555			385,317			406,008
Interest expense:
	Deposits:
		Interest-bearing		243			218			726			579
		Savings and money market accounts		5,166			6,929			15,302			22,172
		Certificates and other time deposits		2,743			4,370			9,436			16,803
	Securities sold under agreements to repurchase			310			977			854			2,832
	Wholesale borrowings			1,130			1,669			3,399			4,963
		Total interest expense		9,592			14,163			29,717			47,349
		Net interest income		117,890			119,392			355,600			358,659
Provision for noncovered loan losses				9,965			14,604			26,860			41,760
Provision for covered loan losses				6,214			4,768			15,576			17,580
		Net interest income after provision for loan losses		101,711			100,020			313,164			299,319
Other income:
	Trust department income			6,124			5,607			17,481			16,983
	Service charges on deposits			14,603			17,838			43,490			48,460
	Credit card fees			11,006			13,640			32,402			39,357
	ATM and other service fees			3,680			3,801			11,360			9,781
	Bank owned life insurance income			3,094			3,182			9,073			11,439
	Investment services and insurance			2,208			1,965			6,843			6,384
	Investment securities gains, net			553			4,402			1,361			5,291
	Loan sales and servicing income			7,255			3,426			19,085			9,102
	Other operating income			6,402			6,911			20,857			18,222
		Total other income		54,925			60,772			161,952			165,019
Other expenses:
	Salaries, wages, pension and employee benefits			58,061			61,232			183,632			177,815
	Net occupancy expense			8,077			8,464			24,640			25,144
	Equipment expense			7,143			7,073			21,845			20,725
	Stationery, supplies and postage			2,210			2,517			6,638			7,972
	Bankcard, loan processing and other costs			8,424			8,449			24,935			24,278
	Professional services			4,702			5,732			17,361			17,466
	Amortization of intangibles			456			543			1,422			1,629
	FDIC insurance expense			1,832			3,240			9,015			12,187
	Other operating expense			17,682			18,707			51,944			53,254
		Total other expenses		108,587			115,957			341,432			340,470
			Income before income tax expense	48,049			44,835			133,684			123,868
Income tax expense				13,096			13,098			37,802			34,808
			Net income	$	34,953		$	31,737		$	95,882		$	89,060
Other comprehensive income, net of taxes
	Changes in unrealized securities' holding gains and losses			$	4,884		$	7,353		$	10,872		$	24,889
	Reclassification for realized securities' gains			(359		)	(2,862		)	(885		)	(3,440		)
	Total other comprehensive gain, net of taxes			4,525			4,491			9,987			21,449
		Comprehensive income		$	39,478		$	36,228		$	105,869		$	110,509
Net income applicable to common shares				$	34,953		$	31,737		$	95,882		$	89,060
Net income used in diluted EPS calculation				$	34,953		$	31,737		$	95,882		$	89,060
Weighted average number of common shares outstanding - basic				109,645			109,245			109,473			109,052
Weighted average number of common shares outstanding - diluted				109,645			109,246			109,473			109,053
Basic earnings per common share				$	0.32		$	0.29		$	0.88		$	0.82
Diluted earnings per common share				$	0.32		$	0.29		$	0.88		$	0.82
Dividend per common share				$	0.16		$	0.16		$	0.48		$	0.48

11

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Consolidated Statements of Comprehensive Income---linked quarters
	Quarterly Results
(Unaudited)	2012		2012		2012		2011			2011
(Dollars in thousands, except share data)	3rd Qtr		2nd Qtr		1st Qtr		4th Qtr			3rd Qtr
Loans and loans held for sale	$	103,005	$	103,126	$	103,082	$	107,516		$	108,417
Investment securities	24,477		25,629		25,998		24,732			25,138
Total interest income	127,482		128,755		129,080		132,248			133,555
Interest on deposits:
Interest-bearing	243		236		247		237			218
Savings and money market accounts	5,166		5,033		5,103		5,998			6,929
Certificates and other time deposits	2,743		3,169		3,524		3,201			4,370
Securities sold under agreements to repurchase	310		276		268		512			977
Wholesale borrowings	1,130		1,118		1,151		1,334			1,669
Total interest expense	9,592		9,832		10,293		11,282			14,163
Net interest income	117,890		118,923		118,787		120,966			119,392
Provision for noncovered loan losses	9,965		8,766		8,129		12,275			14,604
Provision for covered loan losses	6,214		3,430		5,932		2,773			4,768
Net interest income after provision for loan losses	101,711		106,727		104,726		105,918			100,020
Other income:
Trust department income	6,124		5,730		5,627		5,413			5,607
Service charges on deposits	14,603		14,478		14,409		15,622			17,838
Credit card fees	11,006		11,216		10,180		10,182			13,640
ATM and other service fees	3,680		3,890		3,790		3,920			3,801
Bank owned life insurance income	3,094		2,923		3,056		3,381			3,182
Investment services and insurance	2,208		2,388		2,247		1,844			1,965
Investment securities gains, net	553		548		260		5,790			4,402
Loan sales and servicing income	7,255		5,139		6,691		5,102			3,426
Other operating income	6,402		8,989		5,466		8,483			6,911
Total other income	54,925		55,301		51,726		59,737			60,772
Other expenses:
Salaries, wages, pension and employee benefits	58,061		61,598		63,973		62,546			61,232
Net occupancy expense	8,077		7,971		8,592		7,270			8,464
Equipment expense	7,143		7,598		7,104		7,234			7,073
Stationery, supplies and postage	2,210		2,285		2,143		2,719			2,517
Bankcard, loan processing and other costs	8,424		8,858		7,653		7,948			8,449
Professional services	4,702		9,307		3,352		5,763			5,732
Amortization of intangibles	456		483		483		543			543
FDIC insurance expense	1,832		3,463		3,720		5,119			3,240
Other operating expense	17,682		17,514		16,748		24,732			18,707
Total other expenses	108,587		119,077		113,768		123,874			115,957
Income before income tax expense	48,049		42,951		42,684		41,781			44,835
Income taxes	13,096		12,366		12,340		11,285			13,098
Net income	34,953		30,585		30,344		30,496			31,737
Other comprehensive income (loss), net of taxes	4,525		3,747		1,715		(19,233		)	4,491
Comprehensive income	$	39,478	$	34,332	$	32,059	$	11,263		$	36,228
Net income applicable to common shares	$	34,953	$	30,585	$	30,344	$	30,496		$	31,737
Net income used in diluted EPS calculation	$	34,953	$	30,585	$	30,344	$	30,496		$	31,737
Weighted average common shares - basic	109,645		109,562		109,211		109,249			109,245
Weighted average common shares - diluted	109,645		109,562		109,211		109,249			109,246
Basic earnings per common share	$	0.32	$	0.28	$	0.28	$	0.28		$	0.29
Diluted earnings per common share	$	0.32	$	0.28	$	0.28	$	0.28		$	0.29

12

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Asset Quality Information (excluding Noncovered Assets)
(Unaudited, except December 31, 2011 annual period which is derived from the audited financial statements)
(Dollars in thousands, except ratios)
	Quarterly Periods															Annual Period
	September 30,			June 30,			March 31,			December 31,			September 30,			December 31,
Allowance for Credit Losses	2012			2012			2012			2011			2011			2011
Allowance for noncovered loan losses, beginning of period	$	103,849		$	103,849		$	107,699		$	109,187		$	109,187		$	114,690
Provision for noncovered loan losses	9,965			8,766			8,129			12,275			14,604			54,035
Charge-offs	20,999			15,014			17,417			18,984			20,014			82,768
Recoveries	6,127			6,248			5,438			5,221			5,410			21,742
Net charge-offs	14,872			8,766			11,979			13,763			14,604			61,026
Allowance for noncovered loan losses, end of period	$	98,942		$	103,849		$	103,849		$	107,699		$	109,187		$	107,699
Reserve for unfunded lending commitments, beginning of period	$	5,666		$	5,410		$	6,373		$	6,360		$	5,799		$	8,849
Provision for/(relief of) credit losses	94			256			(963		)	13			561			(2,476		)
Reserve for unfunded lending commitments, end of period	$	5,760		$	5,666		$	5,410		$	6,373		$	6,360		$	6,373
Allowance for Credit Losses	$	104,702		$	109,515		$	109,259		$	114,072		$	115,547		$	114,072
Ratios (a)
Provision for noncovered loan losses as a % of average loans	0.48		%	0.44		%	0.42		%	0.63		%	0.77		%	0.73		%
Net charge-offs as a % of average loans	0.72		%	0.44		%	0.62		%	0.71		%	0.77		%	0.82		%
Allowance for noncovered loan losses as a % of period-end loans	1.19		%	1.28		%	1.32		%	1.39		%	1.43		%	1.39		%
Allowance for credit losses as a % of period-end loans	1.26		%	1.35		%	1.39		%	1.47		%	1.51		%	1.47		%
Allowance for noncovered loan losses as a % of nonperforming loans	196.66		%	222.44		%	194.97		%	166.64		%	160.80		%	166.64		%
Allowance for credit losses as a % of nonperforming loans	208.11		%	234.57		%	205.13		%	176.50		%	170.16		%	176.50		%
Asset Quality (a)
Impaired noncovered loans:
Nonaccrual	$	31,492		$	38,381		$	44,546		$	55,815		$	59,932		$	55,815
Other nonperforming loans:
Nonaccrual (b)	18,819			8,306			8,717			8,816			7,971			8,816
Total nonperforming loans	50,311			46,687			53,263			64,631			67,903			64,631
Other real estate ("ORE")	13,744			14,393			14,670			16,463			22,172			16,463
Total nonperforming assets ("NPAs")	$	64,055		$	61,080		$	67,933		$	81,094		$	90,075		$	81,094
NPAs as % of period-end noncovered loans + ORE	0.77		%	0.75		%	0.86		%	1.04		%	1.18		%	1.04		%
Noncovered loans past due 90 days or more & accruing interest	$	9,691		$	6,545		$	9,261		$	11,376		$	4,403		$	11,376

(a) Excludes covered loans and related loss share receivable with a period end balance of $1.2 billion, $1.3 billion, $1.4 billion, $1.5 billion and $1.6 billion and covered ORE and related loss share receivable with a period end balance of $56.8 million, $54.5 million, $56.4 million, $54.5 million and $61.9 million at September 30, 2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011, respectively.

(b) At September 30, 2012, included are $10.6 million of consumer loans classified as troubled debt restructurings where the borrower's obligation to the Corporation has been restructured in bankruptcy.

13

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Noninterest Income and Noninterest Expense Detail
(Unaudited)
(Dollars in thousands)
	2012		2012		2012		2011		2011
QUARTERLY OTHER INCOME DETAIL	3rd Qtr		2nd Qtr		1st Qtr		4th Qtr		3rd Qtr
Trust department income	$	6,124	$	5,730	$	5,627	$	5,413	$	5,607
Service charges on deposits	14,603		14,478		14,409		15,622		17,838
Credit card fees	11,006		11,216		10,180		10,182		13,640
ATM and other service fees	3,680		3,890		3,790		3,920		3,801
Bank owned life insurance income	3,094		2,923		3,056		3,381		3,182
Investment services and insurance	2,208		2,388		2,247		1,844		1,965
Investment securities gains, net	553		548		260		5,790		4,402
Loan sales and servicing income	7,255		5,139		6,691		5,102		3,426
Other operating income	6,402		8,989		5,466		8,483		6,911
Total Other Income	$	54,925	$	55,301	$	51,726	$	59,737	$	60,772
	2012		2012		2012		2011		2011
QUARTERLY OTHER EXPENSES DETAIL	3rd Qtr		2nd Qtr		1st Qtr		4th Qtr		3rd Qtr
Salaries, wages, pension and employee benefits	$	58,061	$	61,598	$	63,973	$	62,546	$	61,232
Net occupancy expense	8,077		7,971		8,592		7,270		8,464
Equipment expense	7,143		7,598		7,104		7,234		7,073
Taxes, other than income taxes	2,051		2,020		1,955		1,389		1,507
Stationery, supplies and postage	2,210		2,285		2,143		2,719		2,517
Bankcard, loan processing and other costs	8,424		8,858		7,653		7,948		8,449
Advertising	2,472		2,280		1,684		2,275		2,391
Professional services	4,702		9,307		3,352		5,763		5,732
Telephone	1,316		1,379		1,398		1,525		1,570
Amortization of intangibles	456		483		483		543		543
FDIC insurance expense	1,832		3,463		3,720		5,119		3,240
Other operating expense	11,843		11,835		11,711		19,543		13,239
Total Other Expenses	$	108,587	$	119,077	$	113,768	$	123,874	$	115,957

14

FirstMerit Corporation Reports Third Quarter 2012 EPS Results

FIRSTMERIT CORPORATION AND SUBSIDIARIES
Allowance for Noncovered Loan Losses - Net Charge-off Detail
(Unaudited)	Quarters ended						Nine Months Ended						Year ended
(Dollars in thousands)	September 30,						September 30,						December 31,
	2012			2011			2012			2011			2011
Allowance for noncovered loan losses - beginning of period	$	103,849		$	109,187		$	107,699		$	114,690		$	114,690
Loans charged off:
Commercial	9,627			8,382			23,567			24,525			31,943
Residential mortgage	1,691			771			3,431			3,786			4,819
Installment	5,507			5,911			14,441			20,204			25,839
Home equity	2,319			1,929			6,108			6,200			8,691
Credit cards	1,390			1,520			4,618			6,135			7,846
Leases	—			651			—			778			778
Overdrafts	465			850			1,265			2,156			2,852
Total	20,999			20,014			53,430			63,784			82,768
Recoveries:
Commercial	1,649			717			4,309			1,853			2,703
Residential mortgage	100			74			191			192			221
Installment	2,870			3,361			9,054			10,749			13,639
Home equity	856			466			2,094			1,255			1,985
Credit cards	488			585			1,583			1,789			2,264
Manufactured housing	13			14			50			63			119
Leases	—			1			38			35			37
Overdrafts	151			192			494			585			774
Total	6,127			5,410			17,813			16,521			21,742
Net charge-offs	14,872			14,604			35,617			47,263			61,026
Provision for noncovered loan losses	9,965			14,604			26,860			41,760			54,035
Allowance for noncovered loan losses - end of period	$	98,942		$	109,187		$	98,942		$	109,187		$	107,699
Average noncovered loans (a)	$	8,185,507		$	7,483,332		$	7,970,157		$	7,320,380		$	7,409,502
Ratio to average noncovered loans (a):
(Annualized) noncovered net charge-offs	0.72		%	0.77		%	0.60		%	0.86		%	0.82		%
Provision for noncovered loan losses	0.48		%	0.77		%	0.45		%	0.76		%	0.73		%
Noncovered Loans, period-end	$	8,260,426		$	7,631,572		$	8,260,426		$	7,631,572		$	7,748,944
Allowance for credit losses (a):	$	104,702		$	115,547		$	104,702		$	115,547		$	114,072
As a multiple of (annualized) net charge-offs	1.77			1.99			2.20			1.83			1.87
Allowance for noncovered loan losses (a):
As a percent of period-end noncovered loans	1.19		%	1.43		%	1.19		%	1.43		%	1.39		%
As a multiple of (annualized) net noncovered charge-offs	1.67			1.88			2.08			1.73			1.76
(a) Excludes covered loans and loss share receivable.

15

EX-99.2

Third Quarter 2012 Earnings Conference Call Supplemental Information October 23, 2012 FIRSTMERIT Corporation

Forward-Looking Statements Disclosure This presentation 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, success of the Corporation’s efforts to reduce operating expenses, the Corporation’s ability to successfully complete the proposed acquisition of Citizen’s Republic Bancorp, competitive pressures, changes in accounting, tax or regulatory practices or requirements 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. 2

3  54th consecutive quarter of profitability  Net income of $35.0 million/$0.32 per diluted share • Return on average assets of 0.94% • Return on average equity of 8.60%  Dividend of $0.16 per share  Solid asset quality results • NCO ratio at 0.72% • NPA ratio at 0.75%  Average commercial* loan growth of $169.4 million, or 3.21%, compared with 2Q12  Average core deposit growth of $126.8 million, or 1.28%, compared with 2Q12  Robust tangible common equity ratio of 8.18% at 9/30/12 3Q 2012 Highlights (*) Excluding covered loans

4 Income Statement Highlights Financial Highlights (dollars in thousands except per share data) 2012 3rd Qtr 2012 2nd Qtr 2011 3rd Qtr Net interest income FTE (a) $120,741 $121,689 $121,788 Provision for non covered loan losses 9,965 8,766 14,604 Provision for covered loan losses 6,214 3,430 4,768 Other income 54,925 55,301 60,772 Other expenses 108,587 119,077 115,957 FTE adjustment (a) 2,851 2,766 2,396 Net income 34,953 30,585 31,737 Diluted EPS 0.32 0.28 0.29 Prior Quarter Comparison  3Q12 Net income increased $4.4 million, or 14.28%, compared with 2Q12 Prior-Year Quarter Comparison  3Q12 net income increased $3.2 million, or 10.13%, compared with 3Q11 (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.

Fee Income 5 Prior Quarter Comparison  3Q12 Noninterest income, net of securities transactions, decreased $0.4 million, or 0.70%, compared with 2Q12 Prior-Year Quarter Comparison  3Q12 Noninterest income, net of securities transactions, decreased $1.6 million, or 3.54%, compared with 3Q11 Noninterest Income (dollars in thousands) 2012 3rd Qtr 2012 2nd Qtr 2011 3rd Qtr Trust department income $6,124 $5,730 $5,607 Service charges on deposits 14,603 14,478 17,838 Credit card fees 11,006 11,216 13,640 ATM and other service fees 3,680 3,890 3,801 Bank owned life insurance income 3,094 2,923 3,182 Investment services and insurance 2,208 2,388 1,965 Investment securities gains, net 553 548 4,402 Loan sales and servicing income 7,255 5,139 3,426 Other operating income 6,402 8,989 6,911 Total other income 54,925 55,301 60,772

Noninterest Expense 6 Noninterest Expense (dollars in thousands) 2012 3rd Qtr 2012 2nd Qtr 2011 3rd Qtr Salaries, wages, pension, and employee benefits $58,061 $61,598 $61,232 Net occupancy expense 8,077 7,971 8,464 Equipment expense 7,143 7,598 7,073 Taxes, other than federal income taxes 2,051 2,020 1,507 Stationary, supplies and postage 2,210 2,285 2,517 Bankcard, loan processing and other costs 8,424 8,858 8,449 Advertising 2,472 2,280 2,391 Professional services 4,702 9,307 5,732 Telephone 1,316 1,379 1,570 Amortization of intangibles 456 483 543 FDIC expense 1,832 3,463 3,240 Other operating expenses 11,843 11,835 13,239 Total noninterest expense 108,587 119,077 115,957 Prior Quarter Comparison  Total noninterest expense for 3Q12 decreased $1.6 million, or 1.31%, compared with 2Q12, net of one-time costs of $8.9 million related to the implementation of the efficiency initiative Prior-Year Quarter Comparison  Total noninterest expense for 3Q12, decreased 7.4 million, or 6.36%, compared with 3Q11

Net Interest Margin 7 (% )

Asset Yields / Liability Costs* 8 (dollars in thousands) September 30, 2012 June 30, 2012 September 30, 2011 Total investment securities and federal funds sold 3,693,624 2.90% 3,697,924 3.05% 3,676,094 2.94% Non-Covered loans 8,185,507 4.08% 7,941,149 4.22% 7,483,332 4.37% Covered loans 1,216,711 6.26% 1,325,184 6.00% 1,694,155 6.09% Total loans 9,402,218 4.36% 9,266,333 4.48% 9,177,487 4.69% Total earning assets 13,119,473 3.95% 12,986,988 4.07% 12,878,105 4.19% Demand – non interest bearing 3,236,703 -- 3,144,183 -- 2,988,521 -- Demand – interest bearing 1,080,841 0.09% 1,060,771 0.09% 913,252 0.09% Savings and money market accounts 5,746,210 0.36% 5,732,007 0.35% 5,446,351 0.50% Certificates and other time deposits 1,528,177 0.71% 1,618,322 0.79% 2,099,558 0.83% Total deposits 11,591,931 0.28% 11,555,283 0.29% 11,447,682 0.40% Borrowings 1,210,423 0.47% 1,098,339 0.51% 1,289,711 0.81% Total interest bearing liabilities 9,565,651 0.40% 9,509,439 0.42% 9,748,872 0.58% (*) FTE average quarterly balances and yields/costs

Deposits* Average Core Deposits* $ in millions Average Total Deposits 9,348 9,574 9,778 9,937 10,064 3Q11 4Q11 1Q12 2Q12 3Q12 9 (*) Core deposits include all deposits less certificates of deposit, average total deposit composition as of 9/30/12

10 Average Commercial Loans $ in millions Commercial Loan Composition Commercial Loan Portfolio* (*) Excluding covered loans, commercial loan composition at 9/30/12

Credit Results – Excluding Covered Loans 11

Capital Position 12 (dollars in thousands) September 30, 2012 June 30, 2012 September 30, 2011 Consolidated Total Equity $ 1,624,704 11.11% $ 1,600,815 10.95% $ 1,570,654 10.69% Common Equity 1,624,704 11.11% 1,600,815 10.95% 1,570,654 10.69% Tangible common equity (a) 1,157,843 8.18% 1,133,497 8.01% 1,101,828 7.75% Tier 1 capital (b) 1,170,095 11.37% 1,150,259 11.40% 1,104,869 11.02% Total risk-based capital (c) 1,298,944 12.63% 1,276,748 12.65% 1,230,519 12.27% Leverage (d) 1,170,095 8.25% 1,150,259 8.22% 1,104,869 7.86% (a) Common equity less all intangibles; computed as a ratio to total assets less intangible assets. (b) Shareholders’ equity less goodwill; computed as a ratio to risk adjusted assets, as defined in the 1992 risk based capital guidelines. (c) Tier 1 capital plus qualifying loan less allowance, computed as a ratio to risk adjusted assets as defined in the 1992 risk based capital guidelines. (d) Tier 1 capital computed as a ratio to the latest quarter’s average assets less goodwill.

Third Quarter 2012 Earnings Conference Call Supplemental Information October 23, 2012 FIRSTMERIT Corporation