EX-99.1

Exhibit 99.1

2007 Financial Information Fourth Quarter



Table of Contents

Earnings Release		Pages 1-4

Consolidated Financial Highlights		Page 5

Consolidated Balance Sheets		Page 6

Average Consolidated Balance Sheets		Page 7

Average Consolidated Balance Sheets		Pages 8-9
(Fully-tax Equivalent Interest Rates and Interest Differential)

Consolidated Statements of Income and Comprehensive Income		Page 10

Consolidated Statements of Income and Comprehensive Income		Page 11
(Linked Quarters)

Asset Quality Information		Page 12

Noninterest Income and Noninterest Expense Detail		Page 13

Allowance for Loan Losses — Net Charge-off Detail		Page 14

FirstMerit Corporation
III Cascade Plaza
Akron, Ohio 44308

Investor Relations
Thomas P. O’Malley
p.330-384-7109

For Release January 22, 2008, 7:30 a.m. EST
Analysts and Media: Thomas P. O’Malley (330) 384-7109

FirstMerit Reports Fourth Quarter and 2007 Full Year Results

2007 EPS of $1.53 Represents 29.7% Increase over Prior Year
4Q07 EPS of $0.39 is 2.6% Increase over 3Q07

AKRON, Ohio, — January 22, 2008 — FirstMerit Corporation (Nasdaq: FMER) today announced fourth quarter 2007 net income of $31.5 million, or $0.39 per diluted share. This compares with $6.1 million, or $0.07 per diluted share, for the prior-year quarter. For the full year 2007, the Company reported net income of $123.0 million, or $1.53 per diluted share, compared with $94.9 million, or $1.18 per diluted share in 2006.

Returns on average common equity (“ROE”) and average assets (“ROA”) for the fourth quarter 2007 were 13.87% and 1.21%, respectively, compared with 2.66% and 0.24% for the prior-year quarter.

Both fourth quarter and full year 2006 results were affected by the sale of $80.9 million of commercial assets in transactions completed during the first quarter of 2007.

“I am very pleased with the energy and execution of our personnel this past year. We are positioned to face a challenging environment and build from our successes by executing our business strategy. For the quarter, our credit performance remained sound, our net interest margin expanded, our revenue grew, and expenses were well controlled, said Paul G. Greig, Chairman and Chief Executive Officer of FirstMerit Corporation.

Mr. Greig continued, “We advanced on our primary objective of improving and restoring credit quality this year. Many elements beyond the sale of commercial assets, executed during the first quarter of 2007, factored into this improvement. Over the past year, we strengthened our portfolio management practices and procedures, changed the management structure of the credit department, added key personnel and aligned incentives throughout the organization to focus on credit quality.”

Net interest margin was 3.66% for the fourth quarter of 2007 compared with 3.61% for the third quarter of 2007 and 3.58% for the fourth quarter of 2006. The increases in net interest margin compared with the prior and year-ago quarters were led by decreases in funding costs. During the fourth quarter of 2007 the Company increased its average core deposits, which excludes time deposits, by $58.7 million, or 1.35%, and decreased certificates of deposits $198.9 million, or 6.33%.

The Company’s deposit composition mix shift to a higher concentration of core deposits contributed to lower funding costs and an increased net interest margin. Despite the lower interest rate environment, the Company’s investment portfolio yields increased in the fourth quarter of 2007, to 4.99%, compared with 4.87% in the third quarter of 2007, and 4.39% in the fourth quarter of 2006. The increased investment portfolio yields partly offset lower loan portfolio yields this quarter. For the full year 2007, net interest margin was 3.62% compared with 3.71% for 2006.

Net interest income on a fully tax-equivalent (“FTE”) basis was $87.6 million in the fourth quarter 2007 compared with $86.6 million in the third quarter of 2007 and $84.5 million in the fourth quarter of 2006. The increase in FTE net interest income compared with the third quarter 2007 resulted from expansion in the net interest margin, which offset a decrease in average earning assets. Net interest margin expansion and average earning asset growth led to increased FTE net interest income compared with the fourth quarter of 2006. Compared with the fourth quarter of 2006, average earning assets increased $119.0 million, or 1.27%. FTE net interest income for the full year 2007 was $343.0 million, compared with $343.3 million in 2006. In 2007 average earning assets increased $221.5 million, or 2.39%, compared with 2006. Average loans grew $173.1 million, or 2.55%, driven by $181.5 million, or 4.98%, growth in average commercial loans.

Noninterest income net of securities transactions for the fourth quarter of 2007 was $48.9 million, a decrease of $0.3 million, or 0.52%, from the third quarter of 2007 and an increase of $0.5 million, or 1.12%, from the fourth quarter of 2006. For the full year 2007, noninterest income net of securities transactions totaled $195.8 million, an increase of $0.7 million, or 0.35%, compared with $195.1 million for 2006. Reflective of a strong fee base, other income, net of securities gains, as a percentage of net revenue for the fourth quarter of 2007 was 35.80% compared with 36.20% for third quarter of 2007 and 36.39% for the fourth quarter of 2006. For the full year 2007, other income, net of securities gains, as a percentage of net revenue was 36.34% compared with 36.24% for 2006. Net revenue is defined as net interest income, on a FTE basis, plus other income, less gains from securities sales.

Noninterest expense for the fourth quarter of 2007 was $83.3 million, a decrease of $0.7 million, or 0.87%, from the third quarter of 2007 and a decrease of $0.7 million, or 0.82%, from the fourth quarter of 2006. Noninterest expense in the fourth quarter included $2.4 million of Visa contingency accrual related to Visa Inc. litigation matters that FirstMerit and other Visa member banks have direct and potential exposure to share with Visa. For the full year 2007, noninterest expenses totaled $330.2 million, an increase of $2.1 million, or 0.65%, compared with $328.1 million for the full year 2006.

Net charge-offs totaled $8.9 million, or 0.51% of average loans, in the fourth quarter of 2007 compared with $7.9 million, or 0.45% of average loans, in the third quarter 2007 and $18.6 million, or 1.06% of average loans, in the fourth quarter of 2006.

Nonperforming assets totaled $37.3 million at December 31, 2007, an increase of $3.1 million, or 8.96%, compared with September 30, 2007 and a decrease of $26.9 million, or 41.94%, compared with December 31, 2006. Of the December 31, 2007 total, $2.3

million represents both vacant land no longer considered for branch expansion and executive relocation property not related to loan portfolios. Nonperforming assets at December 31, 2007 represented 0.53% of period-end loans plus other real estate compared with 0.49% at September 30, 2007 and 0.93% at December 31, 2006.

The provision for loan losses increased to $9.3 million in the fourth quarter of 2007 compared with $7.3 million in the third quarter of 2007. For the prior-year quarter, the provision for loan losses was $44.2 million, reflecting the Company’s preparation to sell $73.7 million of commercial loans during the first quarter of 2007. For the full year of 2007, the provision for loan losses was $30.8 million, compared with $76.1 million for 2006.

The allowance for loan losses totaled $94.2 million at December 31, 2007, an increase of $0.4 million and $2.9 million from September 30, 2007 and December 31, 2006, respectively. At December 31, 2007, the allowance for loan losses was 1.35% of period-end loans compared with 1.34% at September 30, 2007 and 1.33% at December 31, 2006. The allowance for credit losses is the sum of the allowance for loan losses and the reserve for unfunded lending commitments. For comparative purposes the allowance for credit losses was 1.45% at December 31, 2007 compared with 1.44% at September 30, 2007 and 1.42% at December 31, 2006. The allowance for credit losses to nonperforming loans was 323.22% at December 31, 2007, compared with 339.04% on September 30, 2007, and 179.60% on December 31, 2006.

FirstMerit’s total assets at December 31, 2007 were $10.4 billion, a decrease of $0.5 million, or 0.01%, compared with September 30, 2007 and an increase of $154.7 million, or 1.51%, compared with December 31, 2006.

Total deposits were $7.3 billion at December 31, 2007, a decrease of $76.6 million, or 1.03%, from September 30, 2007 and a decrease of 167.2 million, or 2.23%, from December 31, 2006. Core deposits, totaled $4.5 billion at December 31, 2007, an increase of $182.0 million, or 4.21%, from September 30, 2007 and a decrease of $16.8 million, or 0.37%, from December 31, 2006. Commercial customer investment sweeps increased $158.1 million, or 20.74%, at December 31, 2007, compared with December 31, 2006.

Mr. Greig commented on the Company’s capital management strategies, “In the fourth quarter we continued our long history of dividend payments that are so highly valued by our shareholders. Additionally, we increased our capital position this quarter which, relative to peer banks on a tangible basis, is significantly stronger. Our current capital levels are in alignment with our commitment to managing risk, improving profitability and increasing shareholder value.”

Shareholders’ equity was $904.8 million at December 31, 2007, compared with $846.1 million at December 31, 2006, and the Company retains its strong capital position as tangible equity to assets was 7.44%. The common dividend per share paid in the fourth quarter 2007 was $0.29. For the full year 2007, the common dividend per share paid was $1.16 compared with $1.14 in 2006, an increase per share of $0.02, or 1.75%.

Fourth Quarter 2007 Conference Call

FirstMerit will host an earnings conference call on January 22, 2008, at 2:00 p.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: 30449862. A replay of the conference call will be available at approximately 4:30 p.m., on January 22, 2008 through January 29, 2008, by dialing (800) 642-1687, and entering the PIN: 30449862.

(Logo: http://www.newscom.com/cgi-bin/prnh/20001220/FIRSTMERITLOGO)

FirstMerit Corporation is a diversified financial services company headquartered in Akron, Ohio, with assets of $10.4 billion as of December 31, 2007 and 160 banking offices and 176 ATMs in 25 Ohio and Western Pennsylvania counties. FirstMerit provides a complete range of banking and other financial services to consumers and businesses through its core operations. Principal wholly-owned subsidiaries include: FirstMerit Bank, N.A., FirstMerit Mortgage Corporation, FirstMerit Title Agency, Ltd., and FirstMerit Community Development Corporation.

Forward-Looking Statement

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


FIRSTMERIT CORPORATION AND SUBSIDIARIES Consolidated Financial Highlights

(Unaudited)
(Dollars in thousands)


	Quarters
	2007			2007			2007			2007			2006
	4th Qtr			3rd Qtr			2nd Qtr			1st Qtr			4th Qtr

EARNINGS
Net interest income FTE (a)	$	87,647		$	86,582		$	85,593		$	83,218		$	84,502
Provision for loan losses		9,334			7,324			9,967			4,210			44,235
Other income		49,993			49,124			48,930			48,876			48,332
Other expenses		83,295			84,030			81,375			81,526			83,987
FTE adjustment (a)		1,486			1,428			1,368			1,212			919
Net income		31,459			30,262			29,885			31,421			6,117
Diluted EPS		0.39			0.38			0.37			0.39			0.07

PERFORMANCE RATIOS
Return on average assets (ROA)		1.21	%		1.16	%		1.16	%		1.24	%		0.24	%
Return on average common equity (ROE)		13.87	%		13.71	%		13.75	%		14.91	%		2.66	%
Net interest margin FTE (a)		3.66	%		3.61	%		3.62	%		3.58	%		3.58	%
Efficiency ratio		60.85	%		61.76	%		60.33	%		61.55	%		63.06	%
Number of full-time equivalent employees		2,688			2,704			2,725			2,751			2,755

MARKET DATA
Book value/common share	$	11.24		$	11.00		$	10.71		$	10.78		$	10.56
Period-end common share mkt value		20.01			19.76			20.93			21.11			24.14
Market as a % of book		178	%		180	%		195	%		196	%		229	%
Cash dividends/common share	$	0.29		$	0.29		$	0.29		$	0.29		$	0.29
Common stock dividend payout ratio		74.36	%		76.32	%		78.38	%		74.36	%		414.29	%
Average basic common shares		80,477			80,467			80,426			80,113			80,091
Average diluted common shares		80,595			80,561			80,570			80,298			80,316
Period end common shares		80,482			80,467			80,477			80,112			80,101
Common shares repurchased		6,066			22,473			36,159			27,011			15,876
Common stock market capitalization	$	1,610,445		$	1,590,028		$	1,684,384		$	1,691,164		$	1,933,638

ASSET QUALITY
Gross charge-offs	$	11,768		$	12,347		$	10,609		$	9,424		$	22,323
Net charge-offs		8,940			7,945			7,580			3,507			18,559
Allowance for loan losses		94,205			93,811			94,432			92,045			91,342
Reserve for unfunded lending commitments		7,394			7,409			6,553			6,746			6,294
Nonperforming assets (NPAs)		37,262			34,199			37,038			32,664			64,177
Net charge-offs/average loans ratio		0.51	%		0.45	%		0.43	%		0.21	%		1.06	%
Net charge-offs and allowance related to loans held for sale/average loans ratio		0.51	%		0.45	%		0.43	%		0.21	%		1.40	%
Allowance for loan losses/period-end loans		1.35	%		1.34	%		1.34	%		1.32	%		1.33	%
Allowance for credit losses/period-end loans		1.45	%		1.44	%		1.43	%		1.42	%		1.42	%
NPAs/loans and other real estate		0.53	%		0.49	%		0.52	%		0.47	%		0.93	%
Allowance for loan losses/nonperforming loans		299.70	%		314.22	%		295.08	%		331.93	%		168.03	%
Allowance for credit losses/nonperforming loan		323.22	%		339.04	%		315.56	%		356.26	%		179.60	%

CAPITAL & LIQUIDITY
Period-end tangible equity to assets		7.44	%		7.24	%		7.00	%		7.07	%		6.96	%
Average equity to assets		8.72	%		8.45	%		8.45	%		8.32	%		8.91	%
Average equity to loans		12.94	%		12.49	%		12.45	%		12.35	%		13.17	%
Average loans to deposits		94.71	%		93.74	%		93.18	%		92.47	%		92.97	%

AVERAGE BALANCES
Assets	$	10,313,707		$	10,360,739		$	10,319,454		$	10,276,241		$	10,227,154
Deposits		7,339,827			7,479,960			7,515,205			7,481,969			7,440,331
Loans		6,951,544			7,011,776			7,002,750			6,918,636			6,917,572
Earning assets		9,493,271			9,513,230			9,485,819			9,437,418			9,374,223
Shareholders’ equity		899,624			875,720			871,554			854,713			911,348

ENDING BALANCES
Assets	$	10,407,230		$	10,407,765		$	10,429,099		$	10,347,121		$	10,252,572
Deposits		7,331,739			7,408,296			7,474,466			7,701,202			7,498,921
Loans		7,001,886			7,014,389			7,052,390			6,951,631			6,878,873
Goodwill		139,245			139,245			139,245			139,245			139,245
Intangible assets		1,977			2,200			2,422			2,644			2,865
Earning assets		9,509,680			9,563,541			9,545,752			9,447,346			9,382,033
Total shareholders’ equity		904,786			884,877			862,265			863,641			846,111

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.

CONSOLIDATED BALANCE SHEETS

FIRSTMERIT CORPORATION AND SUBSIDIARIES


	December 31,
	2007			2006
	(In thousands)
ASSETS
Cash and due from banks	$	207,335		$	200,204
Investment securities (at market value) and federal funds sold		2,460,453			2,407,888
Loans held for sale		47,341			95,272
Loans:
Commercial loans		3,906,448			3,694,121
Mortgage loans		577,219			608,008
Installment loans		1,598,832			1,619,747
Home equity loans		691,922			731,473
Credit card loans		153,732			147,553
Leases		73,733			77,971

Total loans		7,001,886			6,878,873
Allowance for loan losses		(94,205	)		(91,342	)

Net loans		6,907,681			6,787,531
Premises and equipment, net		113,993			122,954
Goodwill		139,245			139,245
Other intangible assets		1,977			2,865
Accrued interest receivable and other assets		529,205			496,613

Total assets	$	10,407,230		$	10,252,572


LIABILITIES AND SHAREHOLDERS’ EQUITY

Deposits:
Demand-non-interest bearing	$	1,482,480		$	1,455,097
Demand-interest bearing		727,966			799,571
Savings and money market accounts		2,295,147			2,267,686
Certificates and other time deposits		2,826,146			2,976,567

Total deposits		7,331,739			7,498,921

Securities sold under agreements to repurchase		1,256,080			1,261,821
Wholesale borrowings		705,121			464,227
Accrued taxes, expenses, and other liabilities		209,504			181,492

Total liabilities		9,502,444			9,406,461


Commitments and contingencies
Shareholders’ equity:
Preferred stock, without par value:
authorized and unissued 7,000,000 shares		—			—
Preferred stock, Series A, without par value:
designated 800,000 shares; none outstanding		—			—
Convertible preferred stock, Series B, without par value:
designated 220,000 shares; none outstanding		—			—
Common stock, without par value:
authorized 300,000,000 shares; issued 92,026,350 at December 31, 2007 and 2006		127,937			127,937
Capital surplus		100,028			106,916
Accumulated other comprehensive loss		(55,276	)		(79,508	)
Retained earnings		1,027,775			998,079
Treasury stock, at cost, 11,543,882 and 11,925,803 shares, at December 31, 2007 and 2006, respectively		(295,678	)		(307,313	)


Total shareholders’ equity		904,786			846,111


Total liabilities and shareholders’ equity	$	10,407,230		$	10,252,572



FIRSTMERIT CORPORATION AND SUBSIDIARIES AVERAGE CONSOLIDATED BALANCE SHEETS

(Unaudited)
(Dollars in thousands)



	Quarterly Periods
	December 31,			September 30,			June 30,			March 31,			December 31,
	2007			2007			2007			2007			2006
ASSETS
Cash and due from banks	$	175,164		$	180,426		$	177,524		$	179,566		$	175,735
Investment securities/fed funds sold		2,494,975			2,455,777			2,440,015			2,429,539			2,410,879
Loans held for sale		46,752			45,677			43,054			89,243			45,772
Loans:
Commercial loans		3,839,242			3,868,235			3,845,395			3,749,067			3,730,110
Mortgage loans		581,370			586,911			596,758			607,602			614,204
Installment loans		1,615,035			1,640,380			1,636,669			1,622,324			1,625,962
Home equity loans		696,259			704,499			711,113			717,806			738,630
Credit card loans		149,466			143,312			141,294			143,853			144,351
Leases		70,172			68,439			71,521			77,984			64,315

Total loans		6,951,544			7,011,776			7,002,750			6,918,636			6,917,572
Less allowance for loan losses		92,667			94,393			92,298			91,256			88,175


Net loans		6,858,877			6,917,383			6,910,452			6,827,380			6,829,397

Total earning assets		9,493,271			9,513,230			9,485,819			9,437,418			9,374,223

Premises and equipment, net		115,673			117,970			119,818			121,988			121,956
Accrued interest receivable and other assets		622,266			643,506			628,591			628,525			643,415


TOTAL ASSETS	$	10,313,707		$	10,360,739		$	10,319,454		$	10,276,241		$	10,227,154


LIABILITIES
Deposits:
Demand-non-interest bearing	$	1,435,358		$	1,400,848		$	1,408,827		$	1,389,455		$	1,413,682
Demand-interest bearing		699,675			714,216			763,907			756,678			767,430
Savings and money market accounts		2,262,818			2,224,048			2,293,567			2,284,549			2,267,268
Certificates and other time deposits		2,941,976			3,140,848			3,048,904			3,051,287			2,991,951


Total deposits		7,339,827			7,479,960			7,515,205			7,481,969			7,440,331

Securities sold under agreements to repurchase		1,517,241			1,555,235			1,458,982			1,352,961			1,269,873
Wholesale borrowings		369,685			256,356			280,914			399,638			446,950


Total funds		9,226,753			9,291,551			9,255,101			9,234,568			9,157,154
Accrued taxes, expenses and other liabilities		187,330			193,468			192,799			186,960			158,652


Total liabilities		9,414,083			9,485,019			9,447,900			9,421,528			9,315,806

SHAREHOLDERS’ EQUITY
Preferred stock		—			—			—			—			—
Common stock		127,937			127,937			127,937			127,937			127,937
Capital surplus		99,749			100,511			102,355			107,178			106,339
Accumulated other comprehensive (loss) income		(60,430	)		(77,215	)		(72,170	)		(76,926	)		(36,045	)
Retained earnings		1,028,170			1,020,979			1,012,675			1,003,605			1,020,518
Treasury stock		(295,802	)		(296,492	)		(299,243	)		(307,081	)		(307,401	)


Total shareholders’ equity		899,624			875,720			871,554			854,713			911,348


TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$	10,313,707		$	10,360,739		$	10,319,454		$	10,276,241		$	10,227,154

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

FIRSTMERIT CORPORATION AND SUBSIDIARIES

(Dollars in thousands)


	Three months ended								Year ended								Three months ended

	December 31, 2007								December 31, 2006								December 31, 2006

	Average					Average			Average					Average			Average					Average
	Balance			Interest		Rate			Balance			Interest		Rate			Balance			Interest		Rate

ASSETS
Cash and due from banks	$	175,164							$	186,029							$	175,735
Investment securities and federal funds sold:
U.S. Treasury securities and U.S. Government agency obligations (taxable)		1,977,627			22,949		4.60	%		2,050,736			81,207		3.96	%		1,996,290			20,246		4.02	%
Obligations of states and political subdivisions (tax exempt)		276,989			4,249		6.09	%		114,548			7,390		6.45	%		163,815			2,448		5.93	%
Other securities and federal funds sold		240,359			4,154		6.86	%		250,221			15,264		6.10	%		250,774			3,987		6.31	%


Total investment securities and federal funds sold		2,494,975			31,352		4.99	%		2,415,505			103,861		4.30	%		2,410,879			26,681		4.39	%

Loans held for sale		46,752			760		6.45	%		47,449			3,153		6.65	%		45,772			743		6.44	%
Loans		6,951,544			127,343		7.27	%		6,798,338			499,746		7.35	%		6,917,572			130,973		7.51	%


Total earning assets		9,493,271			159,455		6.66	%		9,261,292			606,760		6.55	%		9,374,223			158,397		6.70	%

Allowance for loan losses		(92,667	)							(88,020	)							(88,175	)
Other assets		737,939								770,714								765,371

Total assets	$	10,313,707							$	10,130,015							$	10,227,154


LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand - non-interest bearing	$	1,435,358			—		—		$	1,434,539			—		—		$	1,413,682			—		—
Demand — interest bearing		699,675			1,352		0.77	%		818,735			9,217		1.13	%		767,430			2,031		1.05	%
Savings and money market accounts		2,262,818			12,667		2.22	%		2,271,654			50,083		2.20	%		2,267,268			14,068		2.46	%
Certificates and other time deposits		2,941,976			35,290		4.76	%		2,859,218			123,877		4.33	%		2,991,951			35,569		4.72	%


Total deposits		7,339,827			49,309		2.67	%		7,384,146			183,177		2.48	%		7,440,331			51,668		2.76	%

Securities sold under agreements to repurchase		1,517,241			16,994		4.44	%		1,283,951			56,151		4.37	%		1,269,873			15,393		4.81	%
Wholesale borrowings		369,685			5,505		5.91	%		404,723			24,140		5.96	%		446,950			6,834		6.07	%


Total interest bearing liabilities		7,791,395			71,808		3.66	%		7,638,281			263,468		3.45	%		7,743,472			73,895		3.79	%

Other liabilities		187,330								167,266								158,652

Shareholders’ equity		899,624								889,929								911,348

Total liabilities and shareholders’ equity	$	10,313,707							$	10,130,015							$	10,227,154


Net yield on earning assets	$	9,493,271			87,647		3.66	%	$	9,261,292			343,292		3.71	%	$	9,374,223			84,502		3.58	%


Interest rate spread							3.00	%							3.10	%							2.92	%

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.

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

FIRSTMERIT CORPORATION AND SUBSIDIARIES

(Dollars in thousands)


	Twelve months ended								Twelve months ended
	December 31, 2007								December 31, 2006
	Average					Average			Average					Average
	Balance			Interest		Rate			Balance			Interest		Rate
ASSETS
Cash and due from banks	$	178,164								186,029
Investment securities and federal funds sold:
U.S. Treasury securities and U.S. Government agency obligations (taxable)		1,955,049			85,544		4.38	%		2,050,736			81,207		3.96	%
Obligations of states and political subdivisions (tax exempt)		255,461			15,595		6.10	%		114,548			7,390		6.45	%
Other securities and federal funds sold		244,749			17,127		7.00	%		250,221			15,264		6.10	%


Total investment securities and federal funds sold		2,455,259			118,266		4.82	%		2,415,505			103,861		4.30	%

Loans held for sale		56,036			3,050		5.44	%		47,449			3,153		6.65	%
Loans		6,971,464			521,172		7.48	%		6,798,338			499,746		7.35	%


Total earning assets		9,482,759			642,488		6.78	%		9,261,292			606,760		6.55	%

Allowance for loan losses		(92,662	)							(88,020	)
Other assets		750,527								770,714


Total assets	$	10,318,788								10,130,015


LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Demand — non-interest bearing	$	1,408,726			—		—			1,434,539			—		—
Demand — interest bearing		733,410			6,824		0.93	%		818,735			9,217		1.13	%
Savings and money market accounts		2,266,070			54,166		2.39	%		2,271,654			50,083		2.20	%
Certificates and other time deposits		3,045,715			146,559		4.81	%		2,859,218			123,877		4.33	%


Total deposits		7,453,921			207,549		2.78	%		7,384,146			183,177		2.48	%

Securities sold under agreements to repurchase		1,471,785			71,298		4.84	%		1,283,951			56,151		4.37	%
Wholesale borrowings		326,460			20,601		6.31	%		404,723			24,140		5.96	%


Total interest bearing liabilities		7,843,440			299,448		3.82	%		7,638,281			263,468		3.45	%

Other liabilities		191,096								167,266

Shareholders’ equity		875,526								889,929


Total liabilities and shareholders’ equity	$	10,318,788								10,130,015

Net yield on earning assets	$	9,482,759			343,040		3.62	%		9,261,292			343,292		3.71	%


Interest rate spread							2.96	%							3.10	%


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 INCOME AND COMPREHENSIVE INCOME

(Unaudited)
(In thousands except per share data)


	Quarters ended						Twelve months ended
	December 31,						December 31,
	2007			2006			2007			2006
Interest income:
Interest and fees on loans, including held for sale	$	128,078		$	131,683		$	524,103		$	502,763
Interest and dividends on investment securities and federal funds sold		29,891			25,795			112,891			101,078

Total interest income		157,969			157,478			636,994			603,841

Interest expense:
Interest on deposits:
Demand-interest bearing		1,352			2,031			6,824			9,217
Savings and money market accounts		12,667			14,068			54,166			50,083
Certificates and other time deposits		35,290			35,569			146,559			123,877
Interest on securities sold under agreements to repurchase		16,994			15,393			71,298			56,151
Interest on wholesale borrowings		5,505			6,834			20,601			24,140

Total interest expense		71,808			73,895			299,448			263,468

Net interest income		86,161			83,583			337,546			340,373
Provision for loan losses		9,334			44,235			30,835			76,112

Net interest income after provision for loan losses		76,827			39,348			306,711			264,261

Other income:
Trust department income		5,896			5,794			23,245			22,653
Service charges on deposits		17,067			18,198			67,374			71,524
Credit card fees		12,012			11,325			46,502			44,725
ATM and other service fees		3,055			3,135			12,621			12,817
Bank owned life insurance income		3,283			3,001			13,476			14,339
Investment services and insurance		3,121			2,011			11,241			9,820
Investment securities gains, net		1,122			—			1,123			22
Loan sales and servicing income		1,551			1,504			10,311			7,513
Other operating income		2,886			3,364			11,030			11,735

Total other income		49,993			48,332			196,923			195,148

Other expenses:
Salaries, wages, pension and employee benefits		43,087			43,700			170,457			176,700
Net occupancy expense		6,284			6,143			25,679			24,814
Equipment expense		2,886			3,030			11,779			11,999
Stationery, supplies and postage		2,388			2,633			9,436			9,912
Bankcard, loan processing and other costs		7,482			7,508			29,781			28,211
Professional services		3,588			5,000			15,865			16,971
Amortization of intangibles		222			222			889			889
Other operating expense		17,358			15,751			66,340			58,591

Total other expenses		83,295			83,987			330,226			328,087

Income before federal income tax expense		43,525			3,693			173,408			131,322
Federal income tax expense		12,066			(2,424	)		50,381			36,376

Net income	$	31,459		$	6,117		$	123,027		$	94,946


Other comprehensive income (loss), net of taxes
Unrealized securities’ holding gain (loss), net of taxes	$	11,271		$	2,516		$	22,716		$	7,984
Unrealized hedging gain (loss), net of taxes		(340	)		—			(1,249	)		(747	)
Minimum pension liability adjustment, net of taxes		874			(43,881	)		3,495			(2,559	)
Less: reclassification adjustment for securities’ gains losses realized in net income, net of taxes		729			—			730			14

Total other comprehensive income (loss), net of taxes		11,076			(41,365	)		24,232			4,664

Comprehensive income	$	42,535		$	(35,248	)	$	147,259		$	99,610

Net income applicable to common shares	$	31,459		$	6,117		$	123,027		$	94,946

Net income used in diluted EPS calculation	$	31,463		$	6,121		$	123,043		$	94,964

Weighted average number of common shares outstanding — basic		80,477			80,091			80,372			80,128

Weighted average number of common shares outstanding — diluted		80,595			80,316			80,510			80,352

Basic earnings per share	$	0.39		$	0.07		$	1.53		$	1.18

Diluted earnings per share	$	0.39		$	0.07		$	1.53		$	1.18

Dividend per share	$	0.29		$	0.29		$	1.16		$	1.14



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

(Unaudited)
(Dollars in thousands, except share data)


	Quarterly Results
	2007		2007		2007			2007		2006
	4th Q		3rd Q		2nd Q			1st Q		4th Q
Interest and fees on loans, including held for sale	$	128,078	$	133,860	$	132,076		$	130,089	$	131,683
Interest and dividends — securities and federal funds sold		29,891		28,771		27,383			26,846		25,795

Total interest income		157,969		162,631		159,459			156,935		157,478

Interest on deposits:
Demand-interest bearing		1,352		1,677		1,876			1,919		2,031
Savings and money market accounts		12,667		13,501		13,992			14,006		14,068
Certificates and other time deposits		35,290		38,464		36,725			36,080		35,569
Securities sold under agreements to repurchase		16,994		19,514		18,005			16,785		15,393
Wholesale borrowings		5,505		4,321		4,636			6,139		6,834

Total interest expense		71,808		77,477		75,234			74,929		73,895

Net interest income		86,161		85,154		84,225			82,006		83,583
Provision for loan losses		9,334		7,324		9,967			4,210		44,235

Net interest income after provision for loan losses		76,827		77,830		74,258			77,796		39,348

Other income:
Trust department income		5,896		5,657		6,096			5,596		5,794
Service charges on deposits		17,067		17,003		17,055			16,249		18,198
Credit card fees		12,012		11,679		11,712			11,099		11,325
ATM and other service fees		3,055		3,306		3,189			3,071		3,135
Bank owned life insurance income		3,283		3,735		3,290			3,168		3,001
Investment services and insurance		3,121		3,007		2,660			2,453		2,011
Investment securities gains (losses), net		1,122		—		1			—		—
Loan sales and servicing income		1,551		1,411		1,911			5,438		1,504
Other operating income		2,886		3,326		3,016			1,802		3,364

Total other income		49,993		49,124		48,930			48,876		48,332

Other expenses:
Salaries, wages, pension and employee benefits		43,087		41,332		43,538			42,500		43,700
Net occupancy expense		6,284		6,188		6,521			6,686		6,143
Equipment expense		2,886		2,958		2,851			3,084		3,030
Stationery, supplies and postage		2,388		2,463		2,252			2,333		2,633
Bankcard, loan processing and other costs		7,482		7,222		7,607			7,470		7,508
Professional services		3,588		2,923		4,525			4,829		5,000
Amortization of intangibles		222		222		222			223		222
Other operating expense		17,358		20,722		13,859			14,401		15,751

Total other expenses		83,295		84,030		81,375			81,526		83,987

Income before income tax expense		43,525		42,924		41,813			45,146		3,693
Federal income taxes		12,066		12,662		11,928			13,725		(2,424	)

Net income	$	31,459	$	30,262	$	29,885		$	31,421	$	6,117

Other comprehensive income (loss), net of taxes		11,076		15,721		(10,745	)		8,180		(41,365	)

Comprehensive income	$	42,535	$	45,983	$	19,140		$	39,601	$	(35,248	)

Net income applicable to common shares		31,459		30,262		29,885			31,421		6,117

Adjusted net income used in diluted EPS calculation		31,463		30,266		29,889			31,425		6,121

Weighted-average common shares — basic		80,477		80,467		80,426			80,113		80,091

Weighted-average common shares — diluted		80,595		80,561		80,570			80,298		80,316


Basic net income per share	$	0.39	$	0.38	$	0.37		$	0.39	$	0.07


Diluted net income per share	$	0.39	$	0.38	$	0.37		$	0.39	$	0.07


FIRSTMERIT CORPORATION AND SUBSIDIARIES ASSET QUALITY INFORMATION

(Unaudited, except December 31, 2006 annual period which
is derived from the audited financial statements)
(Dollars in thousands, except ratios)


							Quarterly Periods									Annual Period
	Dec 31			Sept 30			June 30			Mar 31			Dec 31			Dec 31
	2007			2007			2007			2007			2006			2006
Allowance for Credit Losses

Allowance for loan losses, beginning of period	$	93,811		$	94,432		$	92,045		$	91,342		$	88,755		$	90,661
Allowance related to loans held for sale		—			—			—			—			(23,089	)		(23,089	)
Provision for loan losses		9,334			7,324			9,967			4,210			44,235			76,112
Charge-offs		11,768			12,347			10,609			9,424			22,323			70,728
Recoveries		2,828			4,402			3,029			5,917			3,764			18,386

Net charge-offs		8,940			7,945			7,580			3,507			18,559			52,342

Allowance for loan losses, end of period	$	94,205		$	93,811		$	94,432		$	92,045		$	91,342		$	91,342

Reserve for unfunded lending commitments, beginning of period	$	7,409		$	6,553		$	6,746		$	6,294		$	6,307		$	6,072
Provision for credit losses		(15	)		856			(193	)		452			(13	)		222

Reserve for unfunded lending commitments, end of period	$	7,394		$	7,409		$	6,553		$	6,746		$	6,294		$	6,294


Allowance for Credit Losses	$	101,599		$	101,220		$	100,985		$	98,791		$	97,636		$	97,636


Ratios

Provision for loan losses as a % of average loans		0.53	%		0.41	%		0.57	%		0.25	%		2.54	%		1.12	%
Provision for credit losses as a % of average loans		0.00	%		0.05	%		-0.01	%		0.03	%		0.00	%		0.00	%
Net charge-offs as a % of average loans		0.51	%		0.45	%		0.43	%		0.21	%		1.06	%		0.77	%
Net charge-offs and allowance related to loans held for sale as a % of average loans		0.51	%		0.45	%		0.43	%		0.21	%		1.40	%		1.11	%
Allowance for loan losses as a % of period-end loans		1.35	%		1.34	%		1.34	%		1.32	%		1.33	%		1.33	%
Allowance for credit losses as a % of period-end loans		1.45	%		1.44	%		1.43	%		1.42	%		1.42	%		1.42	%
Allowance for loan losses as a % of nonperforming loans		299.70	%		314.22	%		295.08	%		331.93	%		168.03	%		168.03	%
Allowance for credit losses as a % of nonperforming loans		323.22	%		339.04	%		315.56	%		356.26	%		179.60	%		179.60	%

Asset Quality

Impaired loans:
Nonaccrual	$	21,513		$	20,165		$	20,877		$	17,049		$	45,045		$	45,045
Other nonperforming loans:
Nonaccrual		9,920			9,690			11,125			10,681			9,317			9,317

Total nonperforming loans		31,433			29,855			32,002			27,730			54,362			54,362
Other real estate (“ORE”)		5,829			4,344			5,036			4,934			9,815			9,815


Total nonperforming assets (“NPAs”)	$	37,262		$	34,199		$	37,038		$	32,664		$	64,177		$	64,177


NPAs as % of period-end loans + ORE		0.53	%		0.49	%		0.52	%		0.47	%		0.93	%		0.93	%


Past due 90 days or more & accruing interest	$	11,702		$	13,107		$	10,536		$	15,209		$	16,860		$	16,860


FIRSTMERIT CORPORATION NONINTEREST INCOME AND NONINTEREST EXPENSE DETAIL

(Unaudited)
(Dollars in thousands)


	2007		2007		2007		2007		2006
	4th Qtr		3rd Qtr		2nd Qtr		1st Qtr		4th Qtr
QUARTERLY OTHER INCOME DETAIL

Trust department income	$	5,896	$	5,657	$	6,096	$	5,596	$	5,794
Service charges on deposits		17,067		17,003		17,055		16,249		18,198
Credit card fees		12,012		11,679		11,712		11,099		11,325
ATM and other service fees		3,055		3,306		3,189		3,071		3,135
Bank owned life insurance income		3,283		3,735		3,290		3,168		3,001
Investment services and insurance		3,121		3,007		2,660		2,453		2,011
Investment securities gains (losses), net		1,122		—		1		—		—
Loan sales and servicing income		1,551		1,411		1,911		5,438		1,504
Other operating income		2,886		3,326		3,016		1,802		3,364


Total Other Income	$	49,993	$	49,124	$	48,930	$	48,876	$	48,332


	2007		2007		2007		2007		2006
	4th Qtr		3rd Qtr		2nd Qtr		1st Qtr		4th Qtr
QUARTERLY OTHER EXPENSES DETAIL

Salaries, wages, pension and employee benefits	$	43,087	$	41,332	$	43,538	$	42,500	$	43,700
Net occupancy expense		6,284		6,188		6,521		6,686		6,143
Equipment expense		2,886		2,958		2,851		3,084		3,030
Taxes, other than federal income taxes		1,274		1,984		1,655		1,662		1,753
Stationery, supplies and postage		2,388		2,463		2,252		2,333		2,633
Bankcard, loan processing and other costs		7,482		7,222		7,607		7,470		7,508
Advertising		2,989		3,332		1,260		1,420		798
Professional services		3,588		2,923		4,525		4,829		5,000
Telephone		1,006		1,142		1,094		1,120		1,362
Amortization of intangibles		222		222		222		223		222
Other operating expense		12,089		14,264		9,850		10,199		11,838


Total Other Expenses	$	83,295	$	84,030	$	81,375	$	81,526	$	83,987


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

(Unaudited)
(Dollars in thousands)


	Quarters ended						Year ended
	December 31,						December 31,
	2007			2006			2007			2006
Allowance for loan losses — beginning of period	$	93,811			88,755			91,342			90,661
Loans charged off:
Commercial		2,969			9,745			7,856			32,628
Mortgage		958			513			5,026			1,670
Installment		4,745			5,296			18,343			20,682
Home equity		758			969			4,151			3,847
Credit cards		2,104			2,254			8,497			8,294
Leases		—			3,546			41			3,607
Overdrafts		234			—			234			—

Total		11,768			22,323			44,148			70,728

Recoveries:
Commercial		357			786			4,351			3,734
Mortgage		36			47			44			142
Installment		1,705			2,010			8,021			10,340
Home equity		182			275			1,265			1,293
Credit cards		390			504			1,842			2,123
Manufactured housing		71			79			323			451
Leases		43			63			286			303
Overdrafts		44			—			44			—

Total		2,828			3,764			16,176			18,386


Net charge-offs		8,940			18,559			27,972			52,342
Provision for loan losses		9,334			44,235			30,835			76,112
Allowance related to loans held for sale		—			(23,089	)		—			(23,089	)

Allowance for loan losses — end of period	$	94,205			91,342			94,205			91,342


Average loans outstanding	$	6,951,544			6,917,572			6,971,464			6,798,338

Ratio to average loans:
(Annualized) net charge-offs		0.51	%		1.06	%		0.40	%		0.77	%

(Annualized) net charge-offs and allowance related to loans held for sale		0.51	%		1.40	%		0.40	%		1.11	%

Provision for loan losses		0.53	%		2.54	%		0.44	%		1.12	%

Loans outstanding — period-end	$	7,001,886			6,878,873			7,001,886			6,878,873


Allowance for credit losses:		101,599			97,636			101,599			97,636

As a multiple of (annualized) net charge-offs		2.86			1.33			3.63			1.87

As a multiple of (annualized) net charge-offs and allowance related to loans held for sale		2.86			1.01			3.63			1.29

Allowance for loan losses:
As a percent of period-end loans outstanding		1.35	%		1.33	%		1.35	%		1.33	%

As a multiple of (annualized) net charge-offs		2.66			1.24			3.37			1.75

As a multiple of (annualized) net charge-offs and allowance related to loans held for sale		2.66			0.94			3.37			1.21