FIRSTMERIT CORP /OH/ - FORM 8-K - EX-99.2

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8-K - 8-K - FIRSTMERIT CORP /OH/	l41737e8vk.htm
EX-99.1 - EX-99.1 - FIRSTMERIT CORP /OH/	l41737exv99w1.htm

Exhibit 99.2


Federal Financial Institutions Examination Council		Board of Governors of the Federal Reserve System OMB Number: 7100-0036 Federal Deposit Insurance Corporation OMB Number: 3064-0052 Office of the Comptroller of the Currency OMB Number: 1557-0081 Expires September 30, 2013



		1

Consolidated Reports of Condition and Income for A Bank With Domestic Offices Only—FFIEC 041

Report at the close of business December 31, 2010

This report is required by law: 12 U.S.C. Section 324 (State member banks); 12 U.S.C. Section 1817 (State nonmember banks); and 12 U.S.C. Section 161 (National banks).

This report form is to be filed by banks with domestic offices only. Banks with foreign offices (as defined in the instructions) must file FFIEC 031.

NOTE: Each bank’s board of directors and senior management are responsible for establishing and maintaining an effective system of internal control, including controls over the Reports of Condition and Income. The Reports of Condition and Income are to be prepared in accordance with Federal regulatory authority instructions. The Reports of Condition and Income must be signed by the Chief Financial Officer (CFO) of the reporting bank (or by the individual performing an equivalent function) and attested to by not less than two directors (trustees) for State nonmember banks and three directors for State member and National banks.

I, the undersigned CFO (or equivalent) of the named bank, attest that the Reports of Condition and Income (including the supporting schedules) for this report date have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true to the best of my knowledge and belief.

/s/ Terrence E. Bichsel

Signature of Chief Financial Officer (or Equivalent)

1/30/2011

Date of Signature

We, the undersigned directors (trustees), attest to the correctness of the Reports of Condition and Income (including the supporting schedules) for this report date and declare that the Reports of Condition and Income have been examined by us and to the best of our knowledge and belief have been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and are true and correct.

/s/ Christopher J. Maurer

Director (Trustee)

/s/ N. James Brocklehurst

Director (Trustee)

/s/ Kenneth A. Dorsett

Director (Trustee)

Submission of Reports

Each bank must prepare its Reports of Condition and Income (Call Report) data by either:

(a)		Using computer software to prepare its Call Report and then submitting the report data directly to the FFIEC’s Central Data Repository (CDR), an Internet-based system for data collection (https://cdr.ffiec.gov/cdr/), or

(b)		Completing its Call Report in paper form and arranging with a software vendor or another party to convert the data into the electronic format that can be processed by the CDR. The software vendor or other party then must electronically submit the bank’s data file to the CDR.

For technical assistance with submissions to the CDR, please contact the CDR Help Desk by telephone at (888) CDR-3111, by fax at (301) 495-7864, or by e-mail at CDR.Help@ffiec.gov.

To fulfill the signature and attestation requirement for the Reports of Condition and Income for this report date, attach your bank’s completed signature page (or a photocopy or a computer-generated version of this page) to the hard-copy record of the data file submitted to the CDR that your bank must place in its files.

The appearance of your bank’s hard-copy record of the submitted data file need not match exactly the appearance of the FFIEC’s sample report forms, but should show at least the caption of each Call Report item and the reported amount.

FirstMerit Bank, N.A.
Legal Title of Bank (RSSD 9017)

Akron
City (RSSD 9130)



OH		44308-

State Abbrev. (RSSD 9200)		Zip Code (RSSD 9220)

FDIC Certificate Number 13675

(RSSD 9050)

Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Contact Information for the Reports of Condition and Income

To facilitate communication between the Agencies and the bank concerning the Reports of Condition and Income, please provide contact information for (1) the Chief Financial Officer (or equivalent) of the bank signing the reports for this quarter and (2) the person at the bank—other than the Chief Financial Officer (or equivalent)—to whom questions about the reports should be directed. If the Chief Financial Officer (or equivalent) is the primary contact for questions about the reports, please provide contact information for another person at the bank who will serve as a secondary contact for communications between the Agencies and the bank concerning the Reports of Condition and Income. Enter ‘none’ for the contact’s e-mail address or fax number if not available. Contact information for the Reports of Condition and Income is for the confidential use of the Agencies and will not be released to the public.

Chief Financial Officer (or Equivalent) Signing the Reports

Terrence E. Bichsel
Name (TEXT C490)

Executive VP & CFO
Title (TEXT C491)

Terry.Bichsel@firstmerit.com
E-mail Address (TEXT C492)

(330)384-7534
Telephone: Area code/phone number/extension (TEXT C493)

(330)384-7413
FAX: Area code/phone number (TEXT C494)

Other Person to Whom Questions about the Reports Should be Directed

Susan Wheeler
Name (TEXT C495)

VP & Accounting Manager
Title (TEXT C496)

sue.wheeler@firstmerit.com
E-mail Address (TEXT 4086)

(330)384-7810
Telephone: Area code/phone number/extension (TEXT 8902)

(330)849-8708
FAX: Area code/phone number (TEXT 9116)

Emergency Contact Information

This information is being requested so the Agencies can distribute critical, time sensitive information to emergency contacts at banks. Please provide primary contact information for a senior official of the bank who has decision-making authority. Also provide information for a secondary contact if available. Enter ‘none’ for the contact’s e-mail address or fax number if not available. Emergency contact information is for the confidential use of the Agencies and will not be released to the public.

Primary Contact

Terrence E. Bichsel
Name (TEXT C366)

Executive VP & CFO
Title (TEXT C367)

Terry.Bichsel@FirstMerit.com
E-mail Address (TEXT C368)

(330)384-7534
Telephone: Area code/phone number/extension (TEXT C369)

(330)384-7413
FAX: Area code/phone number (TEXT C370)

Secondary Contact

Nancy H. Worman
Name (TEXT C371)

Senior VP & Corporate Controller
Title (TEXT C372)

Nancy.Worman@FirstMerit.com
E-mail Address (TEXT C373)

(330)849-8998
Telephone: Area code/phone number/extension (TEXT C374)

(330)849-8708
FAX: Area code/phone number (TEXT C375)


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

USA PATRIOT Act Section 314(a) Anti-Money Laundering Contact Information

This information is being requested to identify points-of-contact who are in charge of your bank’s USA PATRIOT Act Section 314(a) information requests. Bank personnel listed could be contacted by law enforcement officers or the Financial Crimes Enforcement Network (FinCEN) for additional information related to specific Section 314(a) search requests or other anti-terrorist financing and anti-money laundering matters. Communications sent by FinCEN to the bank for purposes other than Section 314(a) notifications will state the intended purpose and should be directed to the appropriate bank personnel for review. Any disclosure of customer records to law enforcement officers or FinCEN must be done in compliance with applicable law, including the Right to Financial Privacy Act (12 U.S.C. 3401 et seq.).

Please provide information for a primary and secondary contact. Information for a third and fourth contact may be provided at the bank’s option. Enter “none” for the contact’s e-mail address if not available. This contact information is for the confidential use of the Agencies, FinCEN, and law enforcement officers and will not be released to the public.


Primary Contact		Secondary Contact

Bill Hoover Name (TEXT C437)		Jennifer Herman Name (TEXT C442)

Financial Intelligence Manager Title (TEXT C438)		TL Check Security Title (TEXT C443)

bill.hoover@firstmerit.com E-mail Address (TEXT C439)		jennifer.herman@firstmerit.com E-mail Address (TEXT C444)

(330) 996-8197 Telephone: Area code/phone number/extension (TEXT C440)		(330) 384-7461 Telephone: Area code/phone number/extension (TEXT C445)

Third Contact		Fourth Contact


Name (TEXT C870)		Name (TEXT C875)


Title (TEXT C871)		Title (TEXT C876)


E-mail Address (TEXT C872)		E-mail Address (TEXT C877)


Telephone: Area code/phone number/extension (TEXT C873)		Telephone: Area code/phone number/extension (TEXT C878)


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RI 4

Consolidated Report of Income for the period January 1, 2010 — December 31, 2010

All Report of Income schedules are to be reported on a calendar year-to-date basis in thousands of dollars.

Schedule RI — Income Statement


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Interest income:
a. Interest and fee income on loans:
(1) Loans secured by real estate:
(a) Loans secured by 1-4 family residential properties	RIAD4435		81,072	1.a.(1)(a)
(b) All other loans secured by real estate	RIAD4436		148,506	1.a.(1)(b)
(2) Commercial and industrial loans	RIAD4012		98,519	1.a.(2)
(3) Loans to individuals for household, family, and other personal expenditures:
(a) Credit cards	RIADB485		20,171	1.a.(3)(a)
(b) Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)	RIADB486		80,490	1.a.(3)(b)
(4) Loans to foreign governments and official institutions	RIAD4056		0	1.a.(4)
(5) All other loans ⁽¹⁾	RIAD4058		3,742	1.a.(5)

(6) Total interest and fee income on loans (sum of items 1.a.(1)(a) through 1.a.(5))	RIAD4010		432,500	1.a.(6)

b. Income from lease financing receivables	RIAD4065		3,157	1.b.
c. Interest income on balances due from depository institutions ⁽²⁾	RIAD4115		1,256	1.c.
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)	RIADB488		2,925	1.d.(1)
(2) Mortgage-backed securities	RIADB489		84,094	1.d.(2)
(3) All other securities (includes securities issued by states and political subdivisions in the U.S.)	RIAD4060		13,962	1.d.(3)
e. Interest income from trading assets	RIAD4069		21,264	1.e.
f. Interest income on federal funds sold and securities purchased under agreements to resell	RIAD4020		0	1.f.
g. Other interest income	RIAD4518		6,245	1.g.

h. Total interest income (sum of items 1.a.(6) through 1.g)	RIAD4107		565,403	1.h.

2. Interest expense:
a. Interest on deposits:
(1) Transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts)	RIAD4508		140	2.a.(1)
(2) Nontransaction accounts:
(a) Savings deposits (includes MMDAs)	RIAD0093		32,524	2.a.(2)(a)
(b) Time deposits of $100,000 or more	RIADA517		14,094	2.a.(2)(b)
(c) Time deposits of less than $100,000	RIADA518		18,618	2.a.(2)(c)
b. Expense of federal funds purchased and securities sold under agreements to repurchase	RIAD4180		4,506	2.b.
c. Interest on trading liabilities and other borrowed money	RIAD4185		36,409	2.c.


(1)		Includes interest and fee income on “Loans to depository institutions and acceptances of other banks,” “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”

(2)		Includes interest income on time certificates of deposit not held for trading.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RI 5

Schedule RI — Continued


Dollar Amounts in Thousands		Bil \| Mil \| Thou
d. Interest on subordinated notes and debentures	RIAD4200		2,591		2.d.

e. Total interest expense (sum of items 2.a through 2.d)	RIAD4073		108,882		2.e.

3. Net interest income (item 1.h minus 2.e)	RIAD4074		456,521		3.

4. Provision for loan and lease losses	RIAD4230		88,183		4.
5. Noninterest income:
a. Income from fiduciary activities ^{( 1 )}	RIAD4070		21,951		5.a.
b. Service charges on deposit accounts	RIAD4080		65,900		5.b.
c. Trading revenue ^{( 2 )}	RIADA220		0		5.c.
d.
(1) Fees and commissions from securities brokerage	RIADC886		2,573		5.d.(1)
(2) Investment banking, advisory, and underwriting fees and commissions	RIADC888		89		5.d.(2)
(3) Fees and commissions from annuity sales	RIADC887		5,880		5.d.(3)
(4) Underwriting income from insurance and reinsurance activities	RIADC386		0		5.d.(4)
(5) Income from other insurance activities	RIADC387		1,115		5.d.(5)
e. Venture capital revenue	RIADB491		0		5.e.
f. Net servicing fees	RIADB492		8,831		5.f.
g. Net securitization income	RIADB493		0		5.g.
h. Not applicable
i. Net gains (losses) on sales of loans and leases	RIAD5416		10,609		5.i.
j. Net gains (losses) on sales of other real estate ow ned	RIAD5415		(3,310	)	5.j.
k. Net gains (losses) on sales of other assets (excluding securities)	RIADB496		115		5.k.
l. Other noninterest income ^{( * )}	RIADB497		92,578		5.l.
m. Total noninterest income (sum of items 5.a. through 5.l)	RIAD4079		206,331		5.m.
6.
a. Realized gains (losses) on held-to-maturity securities	RIAD3521		0		6.a.
b. Realized gains (losses) on available-for-sale securities	RIAD3196		855		6.b.
7. Noninterest expense:
a. Salaries and employee benefits	RIAD4135		219,463		7.a.
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and employee benefits and mortgage interest)	RIAD4217		59,038		7.b.
c.
(1) Goodwill impairment losses	RIADC216		0		7.c.(1)
(2) Amortization expense and impairment losses for other intangible assets	RIADC232		2,893		7.c.(2)
d. Other noninterest expense ^{( * )}	RIAD4092		149,811		7.d.

e. Total noninterest expense (sum of items 7.a. through 7.d)	RIAD4093		431,205		7.e.

8. Income (loss) before income taxes and extraordinary items and other adjustments (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e.)	RIAD4301		144,319		8.
9. Applicable income taxes (on item 8)	RIAD4302		37,989		9.
10. Income (loss) before extraordinary items and other adjustments (item 8 minus item 9)	RIAD4300		106,330		10.
11. Extraordinary items and other adjustments, net of income taxes ^{( * )}	RIAD4320		0		11.
12. Net income (loss) attributable to bank and noncontrolling (minority) interests (sum of items 10 and 11)	RIADG104		106,330		12.
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests (if net income, report as a positive value; if net loss report as a negative value)	RIADG103		0		13.
14. Net income (loss) attributable to bank (item 12 minus item 13)	RIAD4340		106,330		14.


(1)		For banks required to complete Schedule RC-T, items 14 through 22, income from fiduciary activities reported in Schedule RI, item 5.a. must equal the amount reported in Schedule RC-T, item 22.

(2)		For banks required to complete Schedule RI, Memorandum item 8, trading revenue reported in Schedule RI, item 5.c. must equal the sum of Memorandum items 8.a through 8.e.

(*)		Describe on Schedule RI-E — Explanations


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RI 6

Schedule RI — Continued

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Interest expense incurred to carry tax-exempt securities, loans, and leases acquired after August 7, 1986, that is not deductible for federal income tax purposes	RIAD4513		476	M.1.
Memorandum item 2 is to be completed by banks with $1 billion or more in total assets. (1)
2. Income from the sale and servicing of mutual funds and annuities (included in Schedule RI, item 8)	RIAD8431		8,070	M.2.
3. Income on tax-exempt loans and leases to states and political subdivisions in the U.S. (included in Schedule RI, items 1.a and 1.b)	RIAD4313		1,069	M.3.
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S. (included in Schedule RI, item 1.d.(3))	RIAD4507		13,080	M.4.
5. Number of full-time equivalent employees at end of current period (round to nearest whole number)	RIAD4150		3058	M.5.
6. Memorandum item 6 is to be completed by:
• banks with $300 million or more in total assets, and
• banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans.
Interest and fee income on loans to finance agricultural production and other loans to farmers (included in Schedule RI, item 1.a.(5)) (1)	RIAD4024		6	M.6.
7. If the reporting bank has restated its balance sheet as a result of applying push down accounting this calendar year, report the date of the bank’s acquisition (2)	RIAD9106			M.7.
8. Trading revenue (from cash instruments and derivative instruments) (sum of Memorandum items 8.a through 8.e must equal Schedule RI, item 5.c) (To be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more for any quarter of the preceding calendar year.):
a. Interest rate exposures	RIAD8757		0	M.8.a.
b. Foreign exchange exposures	RIAD8758		0	M.8.b.
c. Equity security and index exposures	RIAD8759		0	M.8.c.
d. Commodity and other exposures	RIAD8760		0	M.8.d.
e. Credit exposures	RIADF186		0	M.8.e.
9. Net gains (losses) recognized in earnings on credit derivatives that economically hedge credit exposures held outside the trading account:
a. Net gains (losses) on credit derivatives held for trading	RIADC889		0	M.9.a.
b. Net gains (losses) on credit derivatives held for purposes other than trading	RIADC890		0	M.9.b.
10. To be completed by banks with $300 million or more in total assets: (1) Credit losses on derivatives (see instructions)	RIADA251		0	M.10.
		Yes/No
11. Does the reporting bank have a Subchapter S election in effect for federal income tax purposes for the current tax year?	RIADA530	NO		M.11.
Dollar Amounts in Thousands		Bil \| Mil \| Thou
Memorandum item 12 is to be completed by banks that are required to complete Schedule RC-C, part I, Memorandum items 8.b and 8.c
12. Noncash income from negative amortization on closed-end loans secured by 1-4 family residential properties (included in Schedule RI, item 1.a.(1)(a))	RIADF228		N/A	M.12.


(1)		The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2009, Report of Condition.

(2)		For example, a bank acquired on March 1, 2010 would report 20100301.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RI 7

Schedule RI — Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
Memorandum item 13 is to be completed by banks that have elected to account for assets and liabilities under a fair value option.
13. Net gains (losses) recognized in earnings on assets and liabilities that are reported at fair value under a fair value option:
a. Net gains (losses) on assets	RIADF551		227	M.13.a.
(1) Estimated net gains (losses) on loans attributable to changes in instrument-specific credit risk	RIADF552		0	M.13.a.(1)
b. Net gains (losses) on liabilities	RIADF553		0	M.13.b.
(1) Estimated net gains (losses) on liabilities attributable to changes in instrument-specific credit risk	RIADF554		0	M.13.b.(1)
14. Other-than-temporary impairment losses on held-to-maturity and available-for-sale debt securities:
a. Total other-than-temporary impairment losses	RIADJ319		0	M.14.a.
b. Portion of losses recognized in other comprehensive income (before income taxes) .	RIADJ320		0	M.14.b.
c. Net impairment losses recognized in earnings (included in Schedule RI, items 6.a and 6.b) (Memorandum item 14.a minus Memorandum item 14.b)	RIADJ321		0	M.14.c.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RIA 8

Schedule RI-A — Changes in Bank Equity Capital

Indicate decreases and losses in parentheses.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Total bank equity capital most recently reported for the December 31, 2009, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIAD3217		836,524		1.
2. Cumulative effect of changes in accounting principles and corrections of material accounting errors (*)	RIADB507		0		2.
3. Balance end of previous calendar year as restated (sum of items 1 and 2)	RIADB508		836,524		3.
4. Net income (loss) attributable to bank (must equal Schedule RI, item 14)	RIAD4340		106,330		4.
5. Sale, conversion, acquisition, or retirement of capital stock, net (excluding treasury stock transactions)	RIADB509		7,254		5.
6. Treasury stock transactions, net	RIADB510		0		6.
7. Changes incident to business combinations, net	RIAD4356		0		7.
8. LESS: Cash dividends declared on preferred stock	RIAD4470		0		8.
9. LESS: Cash dividends declared on common stock	RIAD4460		20,000		9.
10. Other comprehensive income (1)	RIADB511		(644	)	10.
11. Other transactions with parent holding company (*) (not included in items 5, 6, 8, or 9 above)	RIAD4415		381,600		11.

12. Total bank equity capital end of current period (sum of items 3 through 11) (must equal Schedule RC, item 27.a)	RIAD3210		1,311,064		12.


(*)		Describe on Schedule RI-E — Explanations

(1)		Includes changes in net unrealized holding gains (losses) on available-for-sale securities, changes in accumulated net gains (losses) on cash flow hedges, and pension and other postretirement plan-related changes other than net periodic benefit cost.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RIBI 9

Schedule RI-B — Charge-offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses

Part I. Charge-offs ^{( 1 )} and Recoveries on Loans and Leases

Part I includes charge-offs and recoveries through the allocated transfer risk reserve.

(Column A)

(Column B)

Dollar Amounts in Thousands

Charge-offs: Calendar YTD

Recoveries: Calendar YTD

1. Loans secured by real estate:

a. Construction, land development, and other land loans:

(1) 1-4 family residential construction loans

RIADC891

1,198

RIADC892

134

1.a.

(1)

(2) Other construction loans and all land development and other land loans

RIADC893

8,214

RIADC894

109

1.a.

(2)

b. Secured by farmland

RIAD3584

RIAD3585

1.b.

c. Secured by 1-4 family residential properties:

(1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit

RIAD5411

8,013

RIAD5412

1,601

1.c.

(1)

(2) Closed-end loans secured by 1-4 family residential properties:

(a) Secured by first liens

RIADC234

7,479

RIADC217

314

1.c.

(2)(a)

(b) Secured by junior liens

RIADC235

RIADC218

1.c.

(2)(b)

d. Secured by multifamily (5 or more) residential properties

RIAD3588

5,915

RIAD3589

1.d.

e. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RIADC895

235

RIADC896

1.e.

(1)

(2) Loans secured by other nonfarm nonresidential properties

RIADC897

10,688

RIADC898

502

1.e.

(2)

2. Loans to depository institutions and acceptances of other banks

RIAD4481

RIAD4482

3. Not applicable

4. Commercial and industrial loans

RIAD4638

11,059

RIAD4608

1,073

5. Loans to individuals for household, family, and other personal expenditures:

a. Credit cards

RIADB514

13,576

RIADB515

2,199

5.a.

b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RIADB516

34,054

RIADB517

13,172

5.b.

6. Loans to foreign governments and official institutions

RIAD4643

RIAD4627

7. All other loans ^{( 2 )}

RIAD4644

3,205

RIAD4628

864

8. Lease financing receivables

RIAD4266

897

RIAD4267

267

9. Total (sum of items 1 through 8)

RIAD4635

104,533

RIAD4605

20,347


(1)		Include write-downs arising from transfers of loans to a held-for-sale account.

(2)		Includes charge-offs and recoveries on “Loans to finance agricultural production and other loans to farmers,” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RIBI 10

Schedule RI-B — Continued

Part I. Continued

Memoranda

(Column A)

(Column B)

Dollar Amounts in Thousands

Charge-offs: Calendar YTD

Recoveries: Calendar YTD

1. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RI-B, part I, items 4 and 7, above

RIAD5409

RIAD5410

M.1.

2. Memorandum items 2.a thru 2.d are to be completed by banks with $300 million or more in total assets: ^{( 2 )}

a. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RI-B, part I, item 1, above)

RIAD4652

RIAD4662

M.2.a.

b. Loans to and acceptances of foreign banks (included in Schedule RI- B, part I, item 2, above)

RIAD4654

RIAD4664

M.2.b.

c. Commercial and industrial loans to non-U.S. addressees (domicile) (included in Schedule RI-B, part I, item 4, above)

RIAD4646

RIAD4618

M.2.c.

d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RI-B, part I, item 8, above)

RIADF185

RIADF187

M.2.d.

3. Memorandum item 3 is to be completed by: ^{( 2 )}

• banks with $300 million or more in total assets, and

• banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans.

Loans to finance agricultural production and other loans to farmers (included in Schedule RI-B, part I, item 7, above)

RIAD4655

RIAD4665

M.3.

Dollar Amounts in Thousands

Bil | Mil | Thou

Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not included in charge-offs against the allowance for loan and lease losses)

RIADC388

N/A

M.4.


(2)		The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2009, Report of Condition.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RIBII 11

Schedule RI-B — Continued

Part II. Changes in Allowance for Loan and Lease Losses


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Balance most recently reported for the December 31, 2009, Reports of Condition and Income (i.e., after adjustments from amended Reports of Income)	RIADB522		115,083	1.
2. Recoveries (must equal part I, item 9, column B, above)	RIAD4605		20,347	2.
3. LESS: Charge-offs (must equal part I, item 9, column A, above less Schedule RI-B, part II, item 4)	RIADC079		104,533	3.
4. LESS: Write-downs arising from transfers of loans to a held-for-sale account	RIAD5523		0	4.
5. Provision for loan and lease losses (must equal Schedule RI, item 4)	RIAD4230		88,183	5.
6. Adjustments (see instructions for this schedule) ^{( * )}	RIADC233		9,301	6.
7. Balance end of current period (sum of items 1, 2, 5, and 6, less items 3 and 4) (must equal Schedule RC, item 4.c)	RIAD3123		128,381	7.

Memoranda

Dollar Amounts in Thousands

Bil | Mil | Thou

1. Allocated transfer risk reserve included in Schedule RI-B, part II, item 7, above

RIADC435

M.1.

Memorandum items 2 and 3 are to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.

2. Separate valuation allowance for uncollectible retail credit card fees and finance charges

RIADC389

N/A

M.2.

3. Amount of allowance for loan and lease losses attributable to retail credit card fees and finance charges

RIADC390

N/A

M.3.

Memorandum item 4 is to be completed by all banks.

4. Amount of allowance for post-acquisition losses on purchased impaired loans accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3) (included in Schedule RI-B, part II, item 7, above)

RIADC781

M.4.


(*)		Describe on Schedule RI-E — Explanations


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RIE 12

Schedule RI-E — Explanations

Schedule RI-E is to be completed each quarter on a calendar year-to-date basis.

Detail all adjustments in Schedule RI-A and RI-B, all extraordinary items and other adjustments in Schedule RI, and all significant items of other noninterest income and other noninterest expense in Schedule RI. (See instructions for details.)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Other noninterest income (from Schedule RI, item 5.l) Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 5.l:
a. Income and fees from the printing and sale of checks	RIADC013		0	1.a.
b. Earnings on/increase in value of cash surrender value of life insurance	RIADC014		14,949	1.b.
c. Income and fees from automated teller machines (ATMs)	RIADC016		6,384	1.c.
d. Rent and other income from other real estate owned	RIAD4042		0	1.d.
e. Safe deposit box rent	RIADC015		0	1.e.
f. Net change in the fair values of financial instruments accounted for under a fair value option	RIADF229		0	1.f.
g. Bank card and credit card interchange fees	RIADF555		28,205	1.g.
h. Gains on bargain purchases	RIADJ447		0	1.h.
i. TEXT4461 Bankcard merchant discount income	RIAD4461		16,102	1.i.
j. TEXT4462	RIAD4462		0	1.j.
k. TEXT4463	RIAD4463		0	1.k.
2. Other noninterest expense (from Schedule RI, item 7.d) Itemize and describe amounts greater than $25,000 that exceed 3% of Schedule RI, item 7.d:
a. Data processing expenses	RIADC017		11,297	2.a.
b. Advertising and marketing expenses	RIAD0497		9,581	2.b.
c. Directors’ fees	RIAD4136		0	2.c.
d. Printing, stationery, and supplies	RIADC018		0	2.d.
e. Postage	RIAD8403		7,151	2.e.
f. Legal fees and expenses	RIAD4141		11,931	2.f.
g. FDIC deposit insurance assessments	RIAD4146		17,790	2.g.
h. Accounting and auditing expenses	RIADF556		0	2.h.
i. Consulting and advisory expenses	RIADF557		0	2.i.
j. Automated teller machine (ATM) and interchange expenses	RIADF558		11,439	2.j.
k. Telecommunications expenses	RIADF559		5,539	2.k.
l. TEXT4464 Bankcard mastercard fees	RIAD4464		8,836	2.l.
m. TEXT4467 Professional fees	RIAD4467		14,320	2.m.
n. TEXT4468 Ohio franchise tax	RIAD4468		7,397	2.n.
3. Extraordinary items and other adjustments and applicable income tax effect (from Schedule RI, item 11) (itemize and describe all extraordinary items and other adjustments):
a. (1) TEXT4469	RIAD4469		0	3.a.(1)
(2) Applicable income tax effect	RIAD4486		0	3.a.(2)
b. (1) TEXT4487	RIAD4487		0	3.b.(1)
(2) Applicable income tax effect	RIAD4488		0	3.b.(2)
c. (1) TEXT4489	RIAD4489		0	3.c.(1)
(2) Applicable income tax effect	RIAD4491		0	3.c.(2)


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RIE 13

Schedule RI-E — Continued


Dollar Amounts in Thousands		Bil \| Mil \| Thou
4. Cumulative effect of changes in accounting principles and corrections of material accounting errors (from Schedule RI-A, item 2) (itemize and describe all restatements):
a. Cumulative effect of the initial application of FASB ASC 810-10 (former FAS 167) related to newly consolidated variable interest entities	RIADJ536		0	4.a.
b. TEXTB527	RIADB527		0	4.b.
5. Other transactions with parent holding company (from Schedule RI-A, item 11) (itemize and describe all such transactions):
a. TEXT4498 Capital downstream from parent	RIAD4498		381,600	5.a.
b. TEXT4499	RIAD4499		0	5.b.
6. Adjustments to allowance for loan and lease losses (from Schedule RI-B, part II, item 6) (itemize and describe all adjustments):
a. TEXT4521 Re-estimation of cash flows on covered loans, establishment of an allowance	RIAD4521		9,301	6.a.
b. TEXT4522	RIAD4522		0	6.b.
		Yes/No
7. Other explanations (the space below is provided for the bank to briefly describe, at its option, any other significant items affecting the Report of Income):
a. Comments?	RIAD4769	NO		7.a.
b. Other explanations:
(TEXT 4769)


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RC 14

Consolidated Report of Condition for Insured Commercial and State-Chartered Savings Banks for December 31, 2010

All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter.

Schedule RC — Balance Sheet


Dollar Amounts in Thousands		Bil \| Mil \| Thou
ASSETS
1. Cash and balances due from depository institutions (from Schedule RC-A):
a. Noninterest-bearing balances and currency and coin ^{( 1 )}	RCON0081		155,466	1.a.
b. Interest-bearing balances ^{( 2 )}	RCON0071		365,857	1.b.
2. Securities:
a. Held-to-maturity securities (from Schedule RC-B, column A)	RCON1754		59,962	2.a.
b. Available-for-sale securities (from Schedule RC-B, column D)	RCON1773		2,986,328	2.b.
3. Federal funds sold and securities purchased under agreements to resell:
a. Federal funds sold	RCONB987		0	3.a.
b. Securities purchased under agreements to resell ^{( 3 )}	RCONB989		0	3.b.
4. Loans and lease financing receivables (from Schedule RC-C):
a. Loans and leases held for sale	RCON5369		41,340	4.a.
b. Loans and leases, net of unearned income	RCONB528		8,876,714	4.b.
c. LESS: Allowance for loan and lease losses	RCON3123		128,381	4.c.
d. Loans and leases, net of unearned income and allowance (item 4.b minus 4.c)	RCONB529		8,748,333	4.d.
5. Trading assets (from Schedule RC-D)	RCON3545		47,957	5.
6. Premises and fixed assets (including capitalized leases)	RCON2145		197,796	6.
7. Other real estate owned (from Schedule RC-M)	RCON2150		64,370	7.
8. Investments in unconsolidated subsidiaries and associated companies	RCON2130		0	8.
9. Direct and indirect investments in real estate ventures	RCON3656		0	9.
10. Intangible assets:
a. Goodwill	RCON3163		479,099	10.a.
b. Other intangible assets (from Schedule RC-M)	RCON0426		31,728	10.b.
11. Other assets (from Schedule RC-F)	RCON2160		945,665	11.

12. Total assets (sum of items 1 through 11)	RCON2170		14,123,901	12.


(1)		Includes cash items in process of collection and unposted debits.

(2)		Includes time certificates of deposit not held for trading.

(3)		Includes all securities resale agreements, regardless of maturity.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RC 15

Schedule RC — Continued


Dollar Amounts in Thousands		Bil \| Mil \| Thou
LIABILITIES
13. Deposits:
a. In domestic offices (sum of totals of columns A and C from Schedule RC-E)	RCON2200		11,283,846		13.a.
(1) Noninterest-bearing ^{( 1 )}	RCON6631		974,567		13.a.(1)
(2) Interest-bearing	RCON6636		10,309,279		13.a.(2)
b. Not applicable
14. Federal funds purchased and securities sold under agreements to repurchase:
a. Federal funds purchased ^{( 2 )}	RCONB993		0		14.a.
b. Securities sold under agreements to repurchase ^{( 3 )}	RCONB995		834,912		14.b.
15. Trading liabilities (from Schedule RC-D)	RCON3548		44,468		15.
16. Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases) (from Schedule RC-M)	RCON3190		326,007		16.
17. Not applicable
18. Not applicable
19. Subordinated notes and debentures ^{( 4 )}	RCON3200		0		19.
20. Other liabilities (from Schedule RC-G)	RCON2930		213,545		20.

21. Total liabilities (sum of items 13 through 20)	RCON2948		12,702,778		21.

22. Not applicable					22.

EQUITY CAPITAL
Bank Equity Capital
23. Perpetual preferred stock and related surplus	RCON3838		0		23.
24. Common stock	RCON3230		57,639		24.
25. Surplus (exclude all surplus related to preferred stock)	RCON3839		635,831		25.
26.					26.
a. Retained earnings	RCON3632		643,697		26.a.
b. Accumulated other comprehensive income ^{( 5 )}	RCONB530		(26,103	)	26.b.
c. Other equity capital components ^{( 6 )}	RCONA130		0		26.c.
27.					27.

a. Total bank equity capital (sum of items 23 through 26.c)	RCON3210		1,311,064		27.a.

b. Noncontrolling (minority) interests in consolidated subsidiaries	RCON3000		110,059		27.b.

28. Total equity capital (sum of items 27.a and 27.b)	RCONG105		1,421,123		28.

29. Total liabilities and equity capital (sum of items 21 and 28)	RCON3300		14,123,901		29.


(1)		Includes total demand deposits and noninterest-bearing time and savings deposits.

(2)		Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, “Other borrowed money.”

(3)		Includes all securities repurchase agreements, regardless of maturity.

(4)		Includes limited-life preferred stock and related surplus.

(5)		Includes net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and minimum pension liability adjustments.

(6)		Includes treasury stock and unearned Employee Stock Ownership Plan shares.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RC 16

Schedule RC — Continued

Memoranda
To be reported with the March Report of Condition.


		Number
1. Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external auditors as of any date during 2009	RCON6724		N/A	M.1.


1	=	Independent audit of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the bank

2	=	Independent audit of the bank’s parent holding company conducted in accordance with generally accepted auditing standards by a certified public accounting firm which submits a report on the consolidated holding company (but not on the bank separately)

3	=	Attestation on bank management’s assertion on the effectiveness of the bank’s internal control over financial reporting by a certified public accounting firm

4	=	Directors’ examination of the bank conducted in accordance with generally accepted auditing standards by a certified public accounting firm (may be required by state chartering authority)

5	=	Directors’ examination of the bank performed by other external auditors (may be required by state chartering authority)

6	=	Review of the bank’s financial statements by external auditors

7	=	Compilation of the bank’s financial statements by external auditors

8	=	Other audit procedures (excluding tax preparation work)

9	=	No external audit work


		MM/DD
To be reported with the March Report of Condition.
2. Bank’s fiscal year-end date	RCON8678	N/A	M.2.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCA 17

Schedule RC-A — Cash and Balances Due From Depository Institutions

Schedule RC-A is to be completed only by banks with $300 million or more in total assets.
Exclude assets held for trading.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Cash items in process of collection, unposted debits, and currency and coin:
a. Cash items in process of collection and unposted debits	RCON0020		18,821	1.a.
b. Currency and coin	RCON0080		72,191	1.b.
2. Balances due from depository institutions in the U.S:
a. U.S. branches and agencies of foreign banks	RCON0083		0	2.a.
b. Other commercial banks in the U.S. and other depository institutions in the U.S.	RCON0085		64,613	2.b.
3. Balances due from banks in foreign countries and foreign central banks:
a. Foreign branches of other U.S. banks	RCON0073		0	3.a.
b. Other banks in foreign countries and foreign central banks	RCON0074		0	3.b.
4. Balances due from Federal Reserve Banks	RCON0090		365,698	4.

5. Total (sum of items 1 through 4) (must equal Schedule RC, sum of items 1.a and 1.b)	RCON0010		521,323	5.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCB 18

Schedule RC-B — Securities

Exclude assets held for trading.

(Column C)

(Column A)

(Column B)

Available-for-

(Column D)

Held-to-maturity

sale Amortized

Available-for-

Dollar Amounts in Thousands

Amortized Cost

Fair Value

Cost

sale Fair Value

1. U.S. Treasury securities

RCON0211

RCON0213

RCON1286

RCON1287

2. U.S. Government agency obligations (exclude mortgage- backed securities):

a. Issued by U.S. Government agencies ⁽¹⁾

RCON1289

RCON1290

RCON1291

RCON1293

2.a.

b. Issued by U.S. Government-sponsored agencies ⁽²⁾

RCON1294

RCON1295

RCON1297

RCON1298

399,122

399,631

2.b.

3. Securities issued by states and political subdivisions in the U.S.

RCON8496

RCON8497

RCON8498

RCON8499

59,962

295,776

297,193

4. Mortgage-backed securities (MBS):

a. Residential mortgage pass-through securities:

(1) Guaranteed by GNMA

RCONG300

RCONG301

RCONG302

RCONG303

66,506

67,107

4.a.(1)

(2) Issued by FNMA and FHLMC

RCONG304

RCONG305

RCONG306

RCONG307

1,276,516

1,327,598

4.a.(2)

(3) Other pass-through securities

RCONG308

RCONG309

RCONG310

RCONG311

4.a.(3)

b. Other residential mortgage-backed securities (include CMOs, REMICs, and stripped MBS):

(1) Issued or guaranteed by FNMA, FHLMC, or GNMA

RCONG312

RCONG313

RCONG314

RCONG315

795,768

810,951

4.b.(1)

(2) Collateralized by MBS issued or guaranteed by FNMA, FHLMC, or GNMA

RCONG316

RCONG317

RCONG318

RCONG319

19,006

19,741

4.b.(2)

(3) All other residential MBS

RCONG320

RCONG321

RCONG322

RCONG323

15,018

4.b.(3)

c. Commercial MBS:

(1) Commercial mortgage pass-through securities

RCONG324

RCONG325

RCONG326

RCONG327

4.c.(1)

(2) Other commercial MBS

RCONG328

RCONG329

RCONG330

RCONG331

4.c.(2)

5. Asset-backed securities and structured financial products:

a. Asset-backed securities (ABS) (from RC-B Memoranda)

RCONC026

RCONC988

RCONC989

RCONC027

5.a.

b. Structured financial products:

(1) Cash

RCONG336

RCONG337

RCONG338

RCONG339

5.b.(1)

(2) Synthetic

RCONG340

RCONG341

RCONG342

RCONG343

5.b.(2)

(3) Hybrid

RCONG344

RCONG345

RCONG346

RCONG347

5.b.(3)


(1)		Includes Small Business Administration “Guaranteed Loan Pool Certificates,” U.S. Maritime Administration obligations, and Export-Import Bank participation certificates.

(2)		Includes obligations (other than mortgage-backed securities) issued by the Farm Credit System, the Federal Home Loan Bank System, the Federal Home Loan Mortgage Corporation, the Federal National Mortgage Association, the Financing Corporation, Resolution Funding Corporation, the Student Loan Marketing Association, and the Tennessee Valley Authority.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCB 19

Schedule RC-B — Continued

(Column C)

(Column A)

(Column B)

Available-for-

(Column D)

Held-to-maturity

sale Amortized

Available-for-

Dollar Amounts in Thousands

Amortized Cost

Fair Value

Cost

sale Fair Value

6. Other debt securities:

a. Other domestic debt securities

RCON1737

RCON1738

RCON1739

RCON1741

62,064

45,958

6.a.

b. Foreign debt securities

RCON1742

RCON1743

RCON1744

RCON1746

6.b.

7. Investments in mutual funds and other equity securities with readily determinable fair values (3)

RCONA510

RCONA511

3,131

8. total (sum of items 1 through 7) (total of column A must equal Schedule RC, item 2.a) (total of column D must equal Schedule RC, item 2.b.)

RCON1754

RCON1771

RCON1772

RCON1773

59,962

2,932,907

2,986,328


(3)		Report Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock in Schedule RC-F, item 4.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCB 20

Schedule RC-B — Continued

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Pledged securities (1)	RCON0416		2,232,650	M.1.
2. Maturity and repricing data for debt securities (excluding those in nonaccrual status): (1) (2)
a. Securities issued by the U.S. Treasury, U.S. Government agencies, and states and political subdivisions in the U.S.; other non-mortgage debt securities; and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3) (4)
(1) Three months or less	RCONA549		70,189	M.2.a.(1)
(2) Over three months through 12 months	RCONA550		113,678	M.2.a.(2)
(3) Over one year through three years	RCONA551		299,265	M.2.a.(3)
(4) Over three years through five years	RCONA552		16,326	M.2.a.(4)
(5) Over five years through 15 years	RCONA553		301,087	M.2.a.(5)
(6) Over 15 years	RCONA554		2,200	M.2.a.(6)
b. Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of: (3) (5)
(1) Three months or less	RCONA555		16,928	M.2.b.(1)
(2) Over three months through 12 months	RCONA556		73,439	M.2.b.(2)
(3) Over one year through three years	RCONA557		78,587	M.2.b.(3)
(4) Over three years through five years	RCONA558		208,887	M.2.b.(4)
(5) Over five years through 15 years	RCONA559		935,648	M.2.b.(5)
(6) Over 15 years	RCONA560		81,215	M.2.b.(6)
c. Other mortgage-backed securities (include CMOs, REMICs, and stripped MBS; exclude mortgage pass-through securities) with an expected average life of: (6)
(1) Three years or less	RCONA561		655,037	M.2.c.(1)
(2) Over three years	RCONA562		190,673	M.2.c.(2)
d. Debt securities with a REMAINING MATURITY of one year or less (included in Memorandum items 2.a through 2.c above)	RCONA248		193,211	M.2.d.
3. Amortized cost of held-to-maturity securities sold or transferred to available-for-sale or trading securities during the calendar year-to-date (report the amortized cost at date of sale or transfer)	RCON1778		0	M.3.
4. Structured notes (included in the held-to-maturity and available-for-sale accounts in Schedule RC-B, items 2, 3, 5, and 6):
a. Amortized cost	RCON8782		0	M.4.a.
b. Fair value	RCON8783		0	M.4.b.


(1)		Includes held-to-maturity securities at amortized cost and available-for-sale securities at fair value.

(2)		Exclude investments in mutual funds and other equity securities with readily determinable fair values.

(3)		Report fixed rate debt securities by remaining maturity and floating rate debt securities by next repricing date.

(4)		Sum of Memorandum items 2.a.(1) through 2.a.(6) plus any nonaccrual debt securities in the categories of debt securities reported in Memorandum item 2.a that are included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 1, 2, 3, 4.c.(1), 5, and 6, columns A and D, plus residential mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D.

(5)		Sum of Memorandum items 2.b.(1) through 2.b.(6) plus any nonaccrual mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, item 4.a, sum of columns A and D, less the amount of residential mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages included in Schedule RC-B, item 4.a, columns A and D.

(6)		Sum of Memorandum items 2.c.(1) and 2.c.(2) plus any nonaccrual “Other mortgage-backed securities” included in Schedule RC-N, item 9, column C, must equal Schedule RC-B, sum of items 4.b. and 4.c.(2), columns A and D.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCB 21

Schedule RC-B — Continued

Memoranda (continued)

(Column C)

(Column A)

(Column B)

Available-for-

(Column D)

Held-to-maturity

sale Amortized

Available-for-

Dollar Amounts in Thousands

Amortized Cost

Fair Value

Cost

sale Fair Value

Memorandum items 5.a through 5.f are to be completed by banks with $1 billion or more in total assets.⁽¹⁾

5. Asset-backed securities (ABS) (for each column, sum of Memorandum items 5.a through 5.f must equal Schedule RC-B, item 5.a):

a. Credit card receivables

RCONB838

RCONB839

RCONB840

RCONB841

M.5.a.

b. Home equity lines

RCONB842

RCONB843

RCONB844

RCONB845

M.5.b.

c. Automobile loans

RCONB846

RCONB847

RCONB848

RCONB849

M.5.c.

d. Other consumer loans

RCONB850

RCONB851

RCONB852

RCONB853

M.5.d.

e. Commercial and industrial loans

RCONB854

RCONB855

RCONB856

RCONB857

M.5.e.

f. Other

RCONB858

RCONB859

RCONB860

RCONB861

M.5.f.

6. Structured financial products by underlying collateral or reference assets (for each column, sum of Memorandum items 6.a through 6.g must equal Schedule RC-B, sum of items 5.b.(1) through (3)):

a. Trust preferred securities issued by financial institutions

RCONG348

RCONG349

RCONG350

RCONG351

M.6.a.

b. Trust preferred securities issued by real estate investment trusts

RCONG352

RCONG353

RCONG354

RCONG355

M.6.b.

c. Corporate and similar loans

RCONG356

RCONG357

RCONG358

RCONG359

M.6.c.

d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs)

RCONG360

RCONG361

RCONG362

RCONG363

M.6.d.

e. 1-4 family residential MBS not issued or guaranteed by GSEs

RCONG364

RCONG365

RCONG366

RCONG367

M.6.e.

f. Diversified (mixed) pools of structured financial products

RCONG368

RCONG369

RCONG370

RCONG371

M.6.f.

g. Other collateral or reference assets

RCONG372

RCONG373

RCONG374

RCONG375

M.6.g.


(1)		The $1 billion asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCI 22

Schedule RC-C — Loans and Lease Financing Receivables

Part I. Loans and Leases

Do not deduct the allowance for loan and lease losses or the allocated transfer risk reserve from amounts reported in this schedule. Report (1) loans and leases held for sale at the lower of cost or market value and (2) loans and leases held for investment, net of unearned income, and (3) loans and leases accounted for at fair value under a fair value option. Exclude assets held for trading and commercial paper.

(Column A)

To Be Completed by Banks

with $300 Million or More in

(Column B)

Dollar Amounts in Thousands

Total Assets (1)

To Be Completed by All Banks

1. Loans secured by real estate:

a. Construction, land development, and other land loans:

(1) 1-4 family residential construction loans

RCONF158

55,672

1.a.(1)

(2) Other construction loans, all land development, other land loans

RCONF159

535,732

1.a.(2)

b. Secured by farmland (incl. farm residential & other improvements)

RCON1420

13,592

1.b.

c. Secured by 1-4 family residential properties:

(1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit

RCON1797

959,742

1.c.(1)

(2) Closed-end loans secured by 1-4 family residential properties:

(a) Secured by first liens

RCON5367

736,913

1.c.(2)(a)

(b) Secured by junior liens

RCON5368

258,647

1.c.(2)(b)

d. Secured by multifamily (5 or more) residential properties

RCON1460

246,878

1.d.

e. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONF160

1,263,112

1.e.(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONF161

1,401,263

1.e.(2)

2. Loans to depository institutions and acceptances of other banks

RCON1288

a. To commercial banks in the U.S.:

(1) To U.S. branches and agencies of foreign banks

RCONB532

2.a.(1)

(2) To other commercial banks in the U.S.

RCONB533

2.a.(2)

b. To other depository institutions in the U.S.

RCONB534

2.b.

c. To banks in foreign countries:

(1) To foreign branches of other U.S. banks

RCONB536

2.c.(1)

(2) To other banks in foreign countries

RCONB537

2.c.(2)

3. Loans to finance agricultural production and other loans to farmers

RCON1590

2,899

4. Commercial and industrial loans

RCON1766

2,018,900

a. To U.S. addressees (domicile)

RCON1763

2,018,900

4.a.

b. To non-U.S. addressees (domicile)

RCON1764

4.b.

5. Not applicable

6. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):

a. Credit cards

RCONB538

149,739

6.a.

b. Other revolving credit plans

RCONB539

6.b.

c. Other consumer loans (includes single payment, installment, and all student loans)

RCON2011

1,090,888

6.c.

7. Loans to foreign governments and official institutions (including foreign central banks)

RCON2081

8. Obligations (other than securities and leases) of states and political subdivisions in the U.S.

RCON2107

85,835

9. Loans to nondepository financial institutions and other loans:

a. Loans to nondepository financial institutions

RCONJ454

9.a.

b. Other loans

RCONJ464

35,238

9.b.

(1) Loans for purchasing or carrying securities (secured and unsecured)

RCON1545

699

9.b.(1)

(2) All other loans (exclude consumer loans)

RCONJ451

34,539

9.b.(2)


(1)		The $300 million asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCI 23

Schedule RC-C — Continued

Part I. Continued

(Column A)

To Be Completed by Banks

with $300 Million or More in

(Column B)

Dollar Amounts in Thousands

Total Assets (1)

To Be Completed by All Banks

10. Lease financing receivables (net of unearned income)

RCON2165

63,004

10.

a. Leases to individuals for household, family, and other personal expenditures (i.e., consumer leases)

RCONF162

10.a.

b. All other leases

RCONF163

63,004

10.b.

11. LESS:Any unearned income on loans reflected in items 1-9 above

RCON2123

11.

12. Total loans and leases, net of unearned income (sum of items 1 through 10 minus item 11) (must equal Schedule RC, sum of items 4.a and 4.b)

RCON2122

8,918,054

12.

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Loans and leases restructured and in compliance with modified terms (included in Schedule RC-C, part I, and not reported as past due or nonaccrual in Schedule RC-N, Memorandum item 1):
a. Loans secured by 1-4 family residential properties	RCONF576		22,884	M.1.a.
b. Other loans and all leases (exclude loans to individuals for household, family, and other personal expenditures)	RCON1616		75,428	M.1.b.
2. Maturity and repricing data for loans and leases (excluding those in nonaccrual status):
a. Closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), col. B) with a remaining maturity or next repricing date of: ^{(2) (3)}
(1) Three months or less	RCONA564		85,932	M.2.a.(1)
(2) Over three months through 12 months	RCONA565		117,370	M.2.a.(2)
(3) Over one year through three years	RCONA566		128,497	M.2.a.(3)
(4) Over three years through five years	RCONA567		73,016	M.2.a.(4)
(5) Over five years through 15 years	RCONA568		135,884	M.2.a.(5)
(6) Over 15 years	RCONA569		187,810	M.2.a.(6)
b. All loans and leases (reported in Schedule RC-C, part I, items 1 through 10, col. B) EXCLUDING closed-end loans secured by first liens on 1-4 family residential properties (reported in Schedule RC-C, part I, item 1.c.(2)(a), col. B) with a remaining maturity or next repricing date of: ^{(2) (4)}
(1) Three months or less	RCONA570		3,700,967	M.2.b.(1)
(2) Over three months through 12 months	RCONA571		507,180	M.2.b.(2)
(3) Over one year through three years	RCONA572		1,439,791	M.2.b.(3)
(4) Over three years through five years	RCONA573		1,156,189	M.2.b.(4)
(5) Over five years through 15 years	RCONA574		789,677	M.2.b.(5)
(6) Over 15 years	RCONA575		491,054	M.2.b.(6)
c. Loans and leases (reported in Schedule RC-C, part I, items 1 through 10, column B, above) with a REMAINING MATURITY of one year or less (excluding those in nonaccrual status)	RCONA247		1,570,671	M.2.c.


(1)		The $300 million asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.

(2)		Report fixed rate loans and leases by remaining maturity and floating rate loans by next repricing date.

(3)		Sum of Memorandum items 2.a.(1) through 2.a.(6) plus total nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.

(4)		Sum of Memorandum items 2.b.(1) through 2.b.(6) plus total nonaccrual loans and leases from Schedule RC-N, sum of items 1 through 8, column C, minus nonaccrual closed-end loans secured by first liens on 1-4 family residential properties included in Schedule RC-N, item 1.c.(2)(a), column C, must equal total loans and leases from Schedule RC-C, part I, sum of items 1 through 10, column B, minus total closed-end loans secured by first liens on 1-4 family residential properties from Schedule RC-C, part I, item 1.c.(2)(a), column B.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCI 24

Schedule RC-C — Continued

Part I. Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
3. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-C, part I, items 4 and 9, column B⁽⁵⁾	RCON2746		1,182	M.3.
4. Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties (included in Schedule RC-C, part I, item 1.c.(2)(a), column B)	RCON5370		278,590	M.4.
5. To be completed by banks with $300 million or more in total assets:
Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-C, part I, items 1.a through 1.e, column B)⁽⁶⁾	RCONB837		0	M.5.
Memorandum item 6 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instructions) that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for UBPR purposes.
6. Outstanding credit card fees and finance charges included in Schedule RC-C, part I, item 6.a	RCONC391		N/A	M.6.
Memorandum item 7 is to be completed by all banks.
7. Purchased impaired loans held for investment accounted for in accordance with FASB ASC 310-30 (former AICPA Statement of Position 03-3) (exclude loans held for sale):
a. Outstanding balance	RCONC779		2,053,217	M.7.a.
b. Carrying amount included in Schedule RC-C, part I, items 1 through 9	RCONC780		1,512,817	M.7.b.
8. Closed-end loans with negative amortization features secured by 1-4 family residential properties:
a. Total carrying amount of closed-end loans with negative amortization features secured by 1-4 family residential properties (included in Schedule RC-C, part I, items 1.c.(2)(a) and (b))	RCONF230		0	M.8.a.
Memorandum items 8.b and 8.c are to be completed by banks that had closed-end loans with negative amortization features secured by 1-4 family residential properties (as reported in Schedule RC-C, part I, Memorandum item 8.a) as of December 31, 2009, that exceeded the lesser of $100 million or 5 percent of total loans and leases, net of unearned income (as reported in Schedule RC-C, part I, item 12, column B).
b. Total maximum remaining amount of negative amortization contractually permitted on closed-end loans secured by 1-4 family residential properties	RCONF231		N/A	M.8.b.
c. Total amount of negative amortization on closed-end loans secured by 1-4 family residential properties included in the carrying amount reported in Memorandum item 8.a above	RCONF232		N/A	M.8.c.
9. Loans secured by 1-4 family residential properties in process of foreclosure (included in Schedule RC-C, part I, items 1.c.(1), 1.c.(2)(a), and 1.c.(2)(b))	RCONF577		13,402	M.9.
Memorandum items 10 and 11 are to be completed by banks that have elected to measure loans included in Schedule RC-C, part I, items 1 through 9, at fair value under a fair value option.
10. Loans measured at fair value (included in Schedule RC-C, part I, items 1 through 9):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans	RCONF578		0	M.10.a.(1)
(2) Secured by farmland (including farm residential and other improvements)	RCONF579		0	M.10.a.(2)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF580		0	M.10.a.(3)(a)
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens	RCONF581		41,340	M.10.a.(3)(b)(1)
(2) Secured by junior liens	RCONF582		0	M.10.a.(3)(b)(2)
(4) Secured by multifamily (5 or more) residential properties	RCONF583		0	M.10.a.(4)
(5) Secured by nonfarm nonresidential properties	RCONF584		0	M.10.a.(5)
b. Commercial and industrial loans	RCONF585		0	M.10.b.


(5)		Exclude loans secured by real estate that are included in Schedule RC-C, part I, items 1.a through 1.e, column B.

(6)		The $300 million asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCI 25

Schedule RC-C — Continued

Part I. Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit Cards	RCONF586		0	M.10.c.(1)
(2) Other revolving credit plans	RCONF587		0	M.10.c.(2)
(3) Other consumer loans (includes single payment, installment, and all student loans)	RCONF588		0	M.10.c.(3)
d. Other loans	RCONF589		0	M.10.d.
11. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-C, part I, Memorandum item 10):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans	RCONF590		0	M.11.a.(1)
(2) Secured by farmland (including farm residential and other improvements)	RCONF591		0	M.11.a.(2)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF592		0	M.11.a.(3)(a)
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens	RCONF593		41,024	M.11.a.(3)(b)(1)
(2) Secured by junior liens	RCONF594		0	M.11.a.(3)(b)(2)
(4) Secured by multifamily (5 or more) residential properties	RCONF595		0	M.11.a.(4)
(5) Secured by nonfarm nonresidential properties	RCONF596		0	M.11.a.(5)
b. Commercial and industrial loans	RCONF597		0	M.11.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards	RCONF598		0	M.11.c.(1)
(2) Other revolving credit plans	RCONF599		0	M.11.c.(2)
(3) Other consumer loans (includes single payment, installment, and all student loans)	RCONF600		0	M.11.c.(3)
d. Other loans	RCONF601		0	M.11.d.

(Column C)

Best estimate at acquisition

(Column A)

(Column B)

date of contractual cash

Fair value of acquired loans

Gross contractual amounts

flows not expected to be

Dollar Amounts in Thousands

and leases at acquisition date

receivable at acquisition date

collected

12. Loans (not subject to the requirements of FASC ASC 310-30 (former AICPA Statement of Position 03-3)) and leases held for investment that were acquired in business combinations with acquisition dates in the current calendar year:

a. Loans secured by real estate

RCONG091

335,957

RCONG092

415,347

RCONG093

35,494

M.12.a.

b. Commercial and industrial loans

RCONG094

97,803

RCONG095

120,765

RCONG096

15,939

M.12.b.

c. Loans to individuals for household, family, and other personal expenditures

RCONG097

2,683

RCONG098

2,720

RCONG099

M.12.c.

d. All other loans and all leases

RCONG100

817

RCONG101

1,217

RCONG102

284

M.12.d.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCI 26

Schedule RC-C — Continued

Part I. Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
Memorandum item 13 is to be completed by banks that had construction, land development, and other land loans (as reported in Schedule RC-C, part I, item 1.a, column B) that exceeded 100 percent of total risk-based capital (as reported in Schedule RC-R, item 21) as of December 31, 2009.
13. Construction, land development, and other land loans with interest reserves:
a. Amount of loans that provide for the use of interest reserves (included in Schedule RC-C, part I, item 1.a, column B)	RCONG376		N/A	M.13.a.
b. Amount of interest capitalized from interest reserves on construction, land development, and other land loans that is included in interest and fee income on loans during the quarter (included in Schedule RI, item 1.a.(1)(b))	RIADG377		N/A	M.13.b.
Memorandum item 14 is to be completed by all banks.
14. Pledged loans and leases	RCONG378		4,557,653	M.14.
*Memorandum item 15 is to be completed for the December report only.*
15. Reverse mortgages:
a. Reverse mortgages outstanding that are held for investment (included in Schedule RC-C, item 1.c, above):
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages	RCONJ466			0 M.15.a.(1)
(2) Proprietary reverse mortgages	RCONJ467			0 M.15.a.(2)
b. Estimated number of reverse mortgage loan referrals to other lenders during the year from whom compensation has been received for services performed in connection with the origination of the reverse mortgages:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages	RCONJ468			0 M.15.b.(1)
(2) Proprietary reverse mortgages	RCONJ469			0 M.15.b.(2)
c. Principal amount of reverse mortgage originations that have been sold during the year:
(1) Home Equity Conversion Mortgage (HECM) reverse mortgages	RCONJ470			0 M.15.c.(1)
(2) Proprietary reverse mortgages	RCONJ471			0 M.15.c.(2)



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCII 27

Schedule RC-C — Continued

Part II. Loans to Small Businesses and Small Farms

Report the number and amount currently outstanding as of the report date of business loans with “original amounts” of $1,000,000 or less and farm loans with “original amounts” of $500,000 or less. The following guidelines should be used to determine the “original amount” of a loan: (1) For loans drawn down under lines of credit or loan commitments, the “original amount” of the loan is the size of the line of credit or loan commitment when the line of credit or loan commitment was most recently approved, extended, or renewed prior to the report date. However, if the amount currently outstanding as of the report date exceeds this size, the “original amount” is the amount currently outstanding on the report date. (2) For loan participations and syndications, the “original amount” of the loan participation or syndication the entire amount of the credit originated by the lead lender. (3) For all other loans, the “original amount” is the total amount of the loan origination or the amount currently outstanding as of the report date, whichever is larger.

Loans to Small Businesses


		Yes/No
1. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank’s “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2), and all or substantially all of the dollar volume of your bank’s “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4, have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan categories, answer this question “NO.”)	RCON6999	NO	1.

If YES, complete items 2.a and 2.b below, skip items 3 and 4, and go to item 5.

If NO and your bank has loans outstanding in either loan category, skip items 2.a and 2.b, complete items 3 and 4 below, and go to item 5.

If NO and your bank has no loans outstanding in both loan categories, skip items 2 through 4, and go to item 5.


		Number
2. Report the total number of loans currently outstanding for each of the following Schedule RC-C, part I, loan categories:
a. “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2) (Note: Sum of items 1.e.(1) and 1.e.(2) divided by the number of loans should NOT exceed $100,000.)	RCON5562		N/A	2.a.
b. “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4. ^{( 1 )}(Note: Item 4 ^{( 1 )}, divided by the number of loans should NOT exceed $100,000.)	RCON5563		N/A	2.b.

(Column A)

(Column B)

Dollar Amounts in Thousands

Number of Loans

Amount Currently Outstanding

3. Number and amount currently outstanding of “Loans secured by nonfarm nonresidential properties” reported in Schedule RC-C, part I, items 1.e.(1) and 1.e.(2) (sum of items 3.a through 3.c must be less than or equal to Schedule RC-C, part I, sum of items 1.e.(1) and 1.e.(2)):

a. With original amounts of $100,000 or less

RCON5564

610

RCON5565

25,245

3.a.

b. With original amounts of more than $100,000 through $250,000

RCON5566

1063

RCON5567

132,774

3.b.

c. With original amounts of more than $250,000 through $1,000,000

RCON5568

1687

RCON5569

688,875

3.c.

4. Number and amount currently outstanding of “Commercial and industrial loans” reported in Schedule RC-C, part I, item 4 (sum of items 4.a through 4.c must be less than or equal to Schedule RC-C, part I, item 4):

a. With original amounts of $100,000 or less

RCON5570

2306

RCON5571

59,964

4.a.

b. With original amounts of more than $100,000 through $250,000

RCON5572

889

RCON5573

87,966

4.b.

c. With original amounts of more than $250,000 through $1,000,000

RCON5574

905

RCON5575

278,416

4.c.


(1)		Banks with $300 million or more in total assets should provide the requested information for “Commercial and industrial loans” based on the loans reported in Schedule RC-C, part I, item 4.a, column A, “Commercial and industrial loans to U.S. addressees.”



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCCII 28

Schedule RC-C — Continued

Part II. Continued

Agricultural Loans to Small Farms


		Yes/No
5. Indicate in the appropriate box at the right whether all or substantially all of the dollar volume of your bank’s “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b, and all or substantially all of the dollar volume of your bank’s “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3, have original amounts of $100,000 or less (If your bank has no loans outstanding in both of these two loan categories, answer this question “NO.”)	RCON6860	NO	5.

If YES, complete items 6.a and 6.b below, and do not complete items 7 and 8.

If NO and your bank has loans outstanding in either loan category, skip items 6.a and 6.b and complete items 7 and 8 below.

If NO and your bank has no loans outstanding in both loan categories, do not complete items 6 through 8.


		Number
6. Report the total number of loans currently outstanding for each of the following Schedule RC-C, part I, loan categories:
a. “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b, (Note: Item 1.b divided by the number of loans should NOT exceed $100,000.)	RCON5576		N/A	6.a.
b. “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3 (Note: Item 3 divided by the number of loans should NOT exceed $100,000.)	RCON5577		N/A	6.b.

(Column A)

(Column B)

Dollar Amounts in Thousands

Number of Loans

Amount Currently Outstanding

7. Number and amount currently outstanding of “Loans secured by farmland (including farm residential and other improvements)” reported in Schedule RC-C, part I, item 1.b (sum of items 7.a through 7.c must be less than or equal to Schedule RC-C, part I, item 1.b):

a. With original amounts of $100,000 or less

RCON5578

RCON5579

155

7.a.

b. With original amounts of more than $100,000 through $250,000

RCON5580

RCON5581

1,465

7.b.

c. With original amounts of more than $250,000 through $500,000

RCON5582

RCON5583

2,578

7.c.

8. Number and amount currently outstanding of “Loans to finance agricultural production and other loans to farmers” reported in Schedule RC-C, part I, item 3 (sum of items 8.a through 8.c must be less than or equal to Schedule RC-C, part I, item 3):

a. With original amounts of $100,000 or less

RCON5584

RCON5585

119

8.a.

b. With original amounts of more than $100,000 through $250,000

RCON5586

RCON5587

149

8.b.

c. With original amounts of more than $250,000 through $500,000

RCON5588

RCON5589

1,313

8.c.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCD 29

Schedule RC-D — Trading Assets and Liabilities

Schedule RC-D is to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $2 million or more in any of the four preceding calendar quarters.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
ASSETS
1. U.S. Treasury securities	RCON3531		0	1.
2. U.S. Government agency obligations (exclude mortgage-backed securities)	RCON3532		0	2.
3. Securities issued by states and political subdivisions in the U.S.	RCON3533		0	3.
4. Mortgage-backed securities (MBS):
a. Residential mortgage pass-through securities issued or guaranteed by FNMA, FHLMC, or GNMA	RCONG379		0	4.a.
b. Other residential MBS issued or guaranteed by FNMA, FHLMC, or GNMA (include CMOs, REMICs, and stripped MBS)	RCONG380		0	4.b.
c. All other residential MBS	RCONG381		0	4.c.
d. Commercial MBS	RCONG382		0	4.d.
5. Other debt securities
a. Structured financial products;
(1) Cash	RCONG383		0	5.a.(1)
(2) Synthetic	RCONG384		0	5.a.(2)
(3) Hybrid	RCONG385		0	5.a.(3)
b. All other debt securities	RCONG386		0	5.b.
6. Loans:
a. Loans secured by real estate:
(1) Construction, land development, and other land loans	RCONF604		0	6.a.(1)
(2) Secured by farmland (including farm residential and other improvements)	RCONF605		0	6.a.(2)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF606		0	6.a.(3)(a)
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens	RCONF607		0	6.a.(3)(b)(1)
(2) Secured by junior liens	RCONF611		0	6.a.(3)(b)(2)
(4) Secured by multifamily (5 or more) residential properties	RCONF612		0	6.a.(4)
(5) Secured by nonfarm nonresidential properties	RCONF613		0	6.a.(5)
b. Commercial and industrial loans	RCONF614		0	6.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards	RCONF615		0	6.c.(1)
(2) Other revolving credit plans	RCONF616		0	6.c.(2)
(3) Other consumer loans (includes single payment, installment, and all student loans)	RCONF617		0	6.c.(3)
d. Other loans	RCONF618		0	6.d.
7. Not applicable
8. Not applicable
9. Other trading assets	RCON3541		0	9.
10. Not applicable
11. Derivatives with a positive fair value (from Schedule RC-Q, item 5.a., column A)	RCON3543		47,957	11.
12. Total trading assets (sum of items 1 through 11) (must equal Schedule RC, item 5)	RCON3545		47,957	12.
LIABILITIES
13.
a. Liability for short positions	RCON3546		0	13.a.
b. Other trading liabilities	RCONF624		0	13.b.
14. Derivatives with a negative fair value (from Schedule RC-Q, item 10.a., column A)	RCON3547		44,468	14.
15. Total trading liabilities (sum of items 13.a. through 14) (must equal Schedule RC, item 15)	RCON3548		44,468	15.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCD 30

Schedule RC-D — Continued

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Unpaid principal balance of loans measured at fair value (reported in Schedule RC-D, item 6.a.(1) through 6.d):
a. Loans secured by real estate:
(1) Construction, land development, and other land loans	RCONF625		0	M.1.a.(1)
(2) Secured by farmland (including farm residential and other improvements)	RCONF626		0	M.1.a.(2)
(3) Secured by 1-4 family residential properties:
(a) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit	RCONF627		0	M.1.a.(3)(a)
(b) Closed-end loans secured by 1-4 family residential properties:
(1) Secured by first liens	RCONF628		0	M.1.a.(3)(b)(1)
(2) Secured by junior liens	RCONF629		0	M.1.a.(3)(b)(2)
(4) Secured by multifamily (5 or more) residential properties	RCONF630		0	M.1.a.(4)
(5) Secured by nonfarm nonresidential properties	RCONF631		0	M.1.a.(5)
b. Commercial and industrial loans	RCONF632		0	M.1.b.
c. Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans) (includes purchased paper):
(1) Credit cards	RCONF633		0	M.1.c.(1)
(2) Other revolving credit plans	RCONF634		0	M.1.c.(2)
(3) Other consumer loans (includes single payment, installment, and all student loans)	RCONF635		0	M.1.c.(3)
d. Other loans	RCONF636		0	M.1.d.
2. Loans measured at fair value that are past due 90 days or more:
a. Fair value	RCONF639		0	M.2.a.
b. Unpaid principal balance	RCONF640		0	M.2.b.
3. Structured financial products by underlying collateral or reference assets (sum of Memorandum items 3.a through 3.g must equal Schedule RC-D, sum of items 5.a.(1) through (3)):
a. Trust preferred securities issued by financial institutions	RCONG299		0	M.3.a.
b. Trust preferred securities issued by real estate investment trusts	RCONG332		0	M.3.b.
c. Corporate and similar loans	RCONG333		0	M.3.c.
d. 1-4 family residential MBS issued or guaranteed by U.S. government-sponsored enterprises (GSEs)	RCONG334		0	M.3.d.
e. 1-4 family residential MBS not issued or guaranteed by GSEs	RCONG335		0	M.3.e.
f. Diversified (mixed) pools of structured financial products	RCONG651		0	M.3.f.
g. Other collateral or reference assets	RCONG652		0	M.3.g.
4. Pledged trading assets:
a. Pledged securities	RCONG387		0	M.4.a.
b. Pledged loans	RCONG388		0	M.4.b.
Memorandum items 5 through 10 are to be completed by banks that reported average trading assets (Schedule RC-K, item 7) of $1 billion or more in any of the four preceding calendar quarters.
5. Asset-backed securities:
a. Credit card receivables	RCONF643		N/A	M.5.a.
b. Home equity lines	RCONF644		N/A	M.5.b.
c. Automobile loans	RCONF645		N/A	M.5.c.
d. Other consumer loans	RCONF646		N/A	M.5.d.
e. Commercial and industrial loans	RCONF647		N/A	M.5.e.
f. Other	RCONF648		N/A	M.5.f.
6. Retained beneficial interests in securitizations (first-loss or equity tranches)	RCONF651		N/A	M.6.
7. Equity securities (included in Schedule RC-D, item 9, above):
a. Readily determinable fair values	RCONF652		N/A	M.7.a.
b. Other	RCONF653		N/A	M.7.b.
8. Loans pending securitization	RCONF654		N/A	M.8.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCD 31

Schedule RC-D — Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
9. Other trading assets (itemize and describe amounts included in Schedule RC-D, item 9, that are greater than $25,000 and exceed 25% of the item):
a. TEXTF655	RCONF655		N/A	M.9.a.
b. TEXTF656	RCONF656		N/A	M.9.b.
c. TEXTF657	RCONF657		N/A	M.9.c.
10. Other trading liabilities (itemize and describe amounts included in Schedule RC-D, item 13.b, that are greater than $25,000 and exceed 25% of the item):
a. TEXTF658	RCONF658		N/A	M.10.a.
b. TEXTF659	RCONF659		N/A	M.10.b.
c. TEXTF660	RCONF660		N/A	M.10.c.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCE 32

Schedule RC-E — Deposit Liabilities

(Column A)

Total transaction accounts

(Column B)

(Column C)

(including total demand

Memo: Total demand deposits

Total nontransaction accounts

Dollar Amounts in Thousands

deposits)

(included in col A)

(including MMDAs)

Deposits of:

1. Individuals, partnerships, and corporations (include all certified and official checks)

RCONB549

806,518

RCONB550

9,908,704

2. U.S. Government

RCON2202

RCON2520

3. States and political subdivisions in the U.S.

RCON2203

275,295

RCON2530

291,721

4. Commercial banks and other depository institutions in the U.S.

RCONB551

1,155

RCONB552

383

5. Banks in foreign countries

RCON2213

RCON2236

6. Foreign governments and official institutions (including foreign central banks)

RCON2216

RCON2377

7. Total (sum of items 1 through 6) (sum of columns A and C must equal Schedule RC, item 13.a)

RCON2215

1,083,038

RCON2210

974,567

RCON2385

10,200,808

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Selected components of total deposits (i.e., sum of item 7, columns A and C):
a. Total Individual Retirement Accounts (IRAs) and Keogh Plan accounts	RCON6835		551,870	M.1.a.
b. Total brokered deposits	RCON2365		326,403	M.1.b.
c. Fully insured brokered deposits (included in Memorandum item 1.b above): ⁽¹⁾
(1) Brokered deposits of less than $100,000	RCON2343		320,929	M.1.c.(1)
(2) Brokered deposits of $100,000 through $250,000 and certain brokered retirement deposit accounts	RCONJ472		5,474	M.1.c.(2)
d. Maturity data for brokered deposits:
(1) Brokered deposits of less than $100,000 with a remaining maturity of one year or less (included in Memorandum item 1.c.(1) above)	RCONA243		260,117	M.1.d.(1)
(2) Brokered deposits of $100,000 or more with a remaining maturity of one year or less (included in Memorandum item 1.b above)	RCONA244		5,474	M.1.d.(2)
e. Preferred deposits (uninsured deposits of states and political subdivisions in the U.S. reported in item 3 above which are secured or collateralized as required under state law ) (to be completed for the December report only)	RCON5590		1,082	M.1.e.
2. Components of total nontransaction accounts (sum of Memorandum items 2.a through 2.d must equal item 7, column C above):
a. Savings deposits:
(1) Money market deposit accounts (MMDAs)	RCON6810		1,137,678	M.2.a.(1)
(2) Other savings deposits (excludes MMDAs)	RCON0352		6,289,715	M.2.a.(2)
b. Total time deposits of less than $100,000	RCON6648		1,836,504	M.2.b.
c. Total time deposits of $100,000 through $250,000	RCONJ473		633,449	M.2.c.
d. Total time deposits of more than $250,000	RCONJ474		303,462	M.2.d.
e. Individual Retirement Accounts (IRAs) and Keogh Plan accounts of $100,000 or more included in Memorandum items 2.c and 2.d above.	RCONF233		110,805	M.2.e.


(1)		The dollar amounts used as the basis for reporting in Memorandum items 1.c.(1) and (2) reflect the deposit insurance limits in effect on the report date.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCE 33

Schedule RC-E — Continued

Memoranda (continued)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
3. Maturity and repricing data for time deposits of less than $100,000:
a. Time deposits of less than $100,000 with a remaining maturity or next repricing
date of: ^{(1) (2)}
(1) Three months or less	RCONA579		437,163	M.3.a.(1)
(2) Over three months through 12 months	RCONA580		872,034	M.3.a.(2)
(3) Over one year through three years	RCONA581		435,064	M.3.a.(3)
(4) Over three years	RCONA582		92,243	M.3.a.(4)
b. Time deposits of less than $100,000 with a REMAINING MATURITY of one year or less (included in Memorandum items 3.a.(1) and 3.a.(2) above) ⁽³⁾	RCONA241		1,306,139	M.3.b.
4. Maturity and repricing data for time deposits of $100,000 or more:
a. Time deposits of $100,000 or more with a remaining maturity or next repricing date of: ^{(1) (4)}
(1) Three months or less	RCONA584		287,369	M.4.a.(1)
(2) Over three months through 12 months	RCONA585		437,223	M.4.a.(2)
(3) Over one year through three years	RCONA586		174,535	M.4.a.(3)
(4) Over three years	RCONA587		37,784	M.4.a.(4)
b. Time deposits of $100,000 or more with a REMAINING MATURITY of one year or less (included in Memorandum items 4.a.(1) and 4.a.(2) above) ⁽³⁾	RCONA242		724,449	M.4.b.


(1)		Report fixed rate time deposits by remaining maturity and floating rate time deposits by next repricing date.

(2)		Sum of Memorandum items 3.a.(1) through 3.a.(4) must equal Schedule RC-E, Memorandum item 2.b.

(3)		Report both fixed and floating rate time deposits by remaining maturity. Exclude floating rate time deposits with a next repricing date of one year or less that have a remaining maturity of over one year.

(4)		Sum of Memorandum items 4.a.(1) through 4.a.(4) must equal Schedule RC-E, sum of Memorandum items 2.c and 2.d.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCF 34

Schedule RC-F — Other Assets

Dollar Amounts in Thousands

Bil | Mil | Thou

1. Accrued interest receivable⁽¹⁾

RCONB556

52,253

2. Net deferred tax assets⁽²⁾

RCON2148

3. Interest-only strips receivable (not in the form of a security) on:⁽³⁾

a. Mortgage loans

RCONA519

3.a.

b. Other financial assets

RCONA520

3.b.

4. Equity securities that DO NOT have readily determinable fair values⁽⁴⁾

RCON1752

160,123

5. Life insurance assets

RCONC009

331,359

6. All other assets (itemize and describe amounts greater than $25,000 that exceed 25% of this item)

RCON2168

401,930

a. Prepaid expenses (excluding prepaid assessments)

RCON2166

6.a.

b. Repossessed personal property (including vehicles)

RCON1578

6.b.

c. Derivatives with a positive fair value held for purposes other than trading

RCONC010

6.c.

d. Retained interests in accrued interest receivable related to securitized credit cards

RCONC436

6.d.

e. FDIC loss-sharing indemnification assets

RCONJ448

297,760

6.e.

f. Prepaid deposit insurance assessments

RCONJ449

6.f.

g. TEXT3549

RCON3549

6.g.

h. TEXT3550

RCON3550

6.h.

i. TEXT3551

RCON3551

6.i.

7. Total (sum of items 1 through 6) (must equal Schedule RC, item 11)

RCON2160

945,665


(1)		Includes accrued interest receivable on loans, leases, debt securities, and other interest-bearing assets.

(2)		See discussion of deferred income taxes in Glossary entry on “income taxes.”

(3)		Report interest-only strips receivable in the form of a security as available-for-sale securities in Schedule RC, item 2.b, or as trading assets in Schedule RC, item 5, as appropriate.

(4)		Includes Federal Reserve stock, Federal Home Loan Bank stock, and bankers’ bank stock.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCG 35

Schedule RC-G — Other Liabilities

Dollar Amounts in Thousands

Bil | Mil | Thou

a. Interest accrued and unpaid on deposits⁽¹⁾

RCON3645

5,738

1.a.

b. Other expenses accrued and unpaid (includes accrued income taxes payable)

RCON3646

124,833

1.b.

2. Net deferred tax liabilities⁽²⁾

RCON3049

5,690

3. Allowance for credit losses on off-balance sheet credit exposures

RCONB557

8,849

4. All other liabilities (itemize and describe amounts greater than $25,000 that exceed 25% of this item)

RCON2938

68,435

a. Accounts payable

RCON3066

4.a.

b. Deferred compensation liabilities

RCONC011

4.b.

c. Dividends declared but not yet payable

RCON2932

4.c.

d. Derivatives with a negative fair value held for purposes other than trading

RCONC012

4.d.

e. TEXT3552 Commercial swap derivative

RCON3552

28,550

4.e.

f. TEXT3553

RCON3553

4.f.

g. TEXT3554

RCON3554

4.g.

5. Total (sum of items 1 through 4) (must equal Schedule RC, item 20)

RCON2930

213,545


(1)		For savings banks, include “dividends” accrued and unpaid on deposits.

(2)		See discussion of deferred income taxes in Glossary entry on “income taxes.”


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCK 36

Schedule RC-K — Quarterly Averages⁽¹⁾


Dollar Amounts in Thousands	Bil \| Mil \| Thou
ASSETS
1. Interest-bearing balances due from depository institutions		RCON3381	604,366	1.
2. U.S. Treasury securities and U.S. Government agency obligations (excluding mortgage-backed securities)⁽²⁾		RCONB558	387,111	2.
3. Mortgage-backed securities⁽²⁾		RCONB559	2,192,788	3.
4. All other securities (includes securities issued by states and political subdivisions in the U.S.) ^{(2) (3)}		RCONB560	417,556	4.
5. Federal funds sold and securities purchased under agreements to resell		RCON3365	0	5.
6. Loans:
a. Total loans		RCON3360	8,846,009	6.a.
b. Loans secured by real estate:
(1) Loans secured by 1-4 family residential properties		RCON3465	1,916,002	6.b.(1)
(2) All other loans secured by real estate		RCON3466	3,363,695	6.b.(2)
c. Commercial and industrial loans		RCON3387	1,953,199	6.c.
d. Loans to individuals for household, family, and other personal expenditures:
(1) Credit cards		RCONB561	146,744	6.d.(1)
(2) Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)		RCONB562	1,221,634	6.d.(2)
7. To be completed by banks with $100 million or more in total assets:
Trading assets⁽⁴⁾		RCON3401	64,185	7.
8. Lease financing receivables (net of unearned income)		RCON3484	62,115	8.
9. Total assets⁽⁵⁾		RCON3368	14,535,719	9.
LIABILITIES
10. Interest-bearing transaction accounts (NOW accounts, ATS accounts, and telephone and preauthorized transfer accounts) (exclude demand deposits)		RCON3485	47,215	10.
11. Nontransaction accounts:
a. Savings deposits (includes MMDAs)		RCONB563	7,637,910	11.a.
b. Time deposits of $100,000 or more		RCONA514	994,548	11.b.
c. Time deposits of less than $100,000		RCONA529	2,008,383	11.c.
12. Federal funds purchased and securities sold under agreements to repurchase		RCON3353	944,950	12.
13. To be completed by banks with $100 million or more in total assets:
Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases)⁽⁴⁾		RCON3355	368,397	13.

Memorandum


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Memorandum item 1 is to be completed by: ⁽⁴⁾
• banks with $300 million or more in total assets, and
• banks with less than $300 million in total assets that have loans to finance agricultural production and other loans to farmers (Schedule RC-C, part I, item 3) exceeding five percent of total loans.
Loans to finance agricultural production and other loans to farmers	RCON3386		2,505	M.1.


(1)		For all items, banks have the option of reporting either (1) an average of DAILY figures for the quarter, or (2) an average of WEEKLY figures (i.e., the Wednesday of each w eek of the quarter).

(2)		Quarterly averages for all debt securities should be based on amortized cost.

(3)		Quarterly averages for all equity securities should be based on historical cost.

(4)		The asset size tests and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2009, Report of Condition.

(5)		The quarterly average for total assets should reflect all debt securities (not held for trading) at amortized cost, equity securities with readily determinable fair values at the lower of cost or fair value, and equity securities without readily determinable fair values at historical cost.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCL 37

Schedule RC-L — Derivatives and Off-Balance Sheet Items

Please read carefully the instructions for the preparation of Schedule RC-L. Some of the amounts reported in Schedule RC-L are regarded as volume indicators and not necessarily as measures of risk.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Unused commitments:
a. Revolving, open-end lines secured by 1-4 family residential properties, e.g., home equity lines	RCON3814		1,107,756	1.a.
*Items 1.a.(1) and 1.a.(2) are to be completed for the December report only.*
(1) Unused commitments for Home Equity Conversion Mortgage (HECM) reverse mortgages outstanding that are held for investment (included in item 1.a above)	RCONJ477		0	1.a.(1)
(2) Unused commitments for proprietary reverse mortgages outstanding that are held for investment (included in item 1.a above)	RCONJ478		0	1.a.(2)
b. Credit card lines	RCON3815		637,008	1.b.
*Items 1.b.(1) and 1.b.(2) are to be completed by banks with either $300 million or more in total assets or $300 million or more in credit card lines* (Sum of items 1.b.(1) and 1.b.(2) must equal item 1.b) (1)
(1) Unusued consumer credit card lines	RCONJ455		543,781	1.b.(1)
(2) Other unused credit card lines	RCONJ456		93,227	1.b.(2)
c. Commitments to fund commercial real estate, construction, and land development loans:
(1) Secured by real estate:
(a) 1-4 family residential construction loan commitments	RCONF164		22,738	1.c.(1)(a)
(b) Commercial real estate, other construction loan, and land development loan commitments	RCONF165		137,368	1.c.(1)(b)
(2) NOT secured by real estate	RCON6550		0	1.c.(2)
d. Securities underwriting	RCON3817		0	1.d.
e. Other unused commitments:
(1) Commercial and industrial loans	RCONJ457		1,658,181	1.e.(1)
(2) Loans to financial institutions	RCONJ458		0	1.e.(2)
(3) All other unused commitments	RCONJ459		0	1.e.(3)
2. Financial standby letters of credit	RCON3819		128,813	2.
Item 2.a is to be completed by banks with $1 billion or more in total assets.⁽¹⁾
a. Amount of financial standby letters of credit conveyed to others	RCON3820		0	2.a.
3. Performance standby letters of credit	RCON3821		10,653	3.
Item 3.a is to be completed by banks with $1 billion or more in total assets.⁽¹⁾
a. Amount of performance standby letters of credit conveyed to others	RCON3822		0	3.a.
4. Commercial and similar letters of credit	RCON3411		3,781	4.
5. Not applicable
6. Securities lent (including customers’ securities lent where the customer is indemnified against loss by the reporting bank)	RCON3433		0	6.

(Column A)

(Column B)

Dollar Amounts in Thousands

Sold Protection

Purchased Protection

7. Credit derivatives:

a. Notional amounts:

(1) Credit default swaps

RCONC968

RCONC969

7.a.(1)

(2) Total return swaps

RCONC970

RCONC971

7.a.(2)

(3) Credit options

RCONC972

RCONC973

7.a.(3)

(4) Other credit derivatives

RCONC974

3,729

RCONC975

7.a.(4)

b. Gross fair values:

(1) Gross positive fair value

RCONC219

RCONC221

7.b.(1)

(2) Gross negative fair value

RCONC220

RCONC222

7.b.(2)


(1)		The asset size tests and the $300 million credit card lines test are generally based on the total assets and credit card lines reported in the June 30, 2009, Report of Condition.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCL 38

Schedule RC-L — Continued


Dollar Amounts in Thousands		Bil \| Mil \| Thou
7.c. Notional amounts by regulatory capital treatment: (1)
(1) Positions covered under the Market Risk Rule:
(a) Sold protection	RCONG401		0	7.c.(1)(a)
(b) Purchased protection	RCONG402		0	7.c.(1)(b)
(2) All other positions:
(a) Sold protection	RCONG403		3,729	7.c.(2)(a)
(b) Purchased protection that is recognized as a guarantee for regulatory capital
purposes	RCONG404		0	7.c.(2)(b)
(c) Purchased protection that is not recognized as a guarantee for regualtory capital purposes	RCONG405		0	7.c.(2)(c)

(Column A)

(Column B)

(Column C)

Remaining Maturity of: One

Remaining Maturity of: Over

Dollar Amounts in Thousands

Year or Less

One Year Through Five Years

Five Years

7.d. Notional amounts by remaining maturity:

(1) Sold credit protection: (2)

(a) Investment grade

RCONG406

143

RCONG407

127

RCONG408

2,048

7.d.(1)(a)

(b) Subinvestment grade

RCONG409

321

RCONG410

260

RCONG411

830

7.d.(1)(b)

(2) Purchased credit protection: (3)

(a) Investment grade

RCONG412

RCONG413

RCONG414

7.d.(2)(a)

(b) Subinvestment grade

RCONG415

RCONG416

RCONG417

7.d.(2)(b)


Dollar Amounts in Thousands		Bil \| Mil \| Thou
8. Spot foreign exchange contracts	RCON8765		0	8.
9. All other off-balance sheet liabilities (exclude derivatives) (itemize and describe each component of this item over 25% of Schedule RC, item 27.a, “Total bank equity capital”)	RCON3430		0	9.
a. Securities borrowed	RCON3432		0	9.a.
b. Commitments to purchase when-issued securities	RCON3434		0	9.b.
c. Standby letters of credit issued by a Federal Home Loan Bank on the bank’s behalf	RCONC978		0	9.c.
d. TEXT3555	RCON3555		0	9.d.
e. TEXT3556	RCON3556		0	9.e.
f. TEXT3557	RCON3557		0	9.f.
10. All other off-balance sheet assets (exclude derivatives) (itemize and describe each component of this item over 25% of Schedule RC, item 27.a, “Total bank equity capital”)	RCON5591		0	10.
a. Commitments to sell w hen-issued securities	RCON3435		0	10.a.
b. TEXT5592	RCON5592		0	10.b.
c. TEXT5593	RCON5593		0	10.c.
d. TEXT5594	RCON5594		0	10.d.
e. TEXT5595	RCON5595		0	10.e.
11. Year-to-date merchant credit card sales volume:
a. Sales for which the reporting bank is the acquiring bank	RCONC223		652,713	11.a.
b. Sales for which the reporting bank is the agent bank with risk	RCONC224		0	11.b.


(1)		Sum of items 7.c.(1)(a) and 7.c.(2)(a) must equal sum of items 7.a.(1) through (4), column A. Sum of items 7.c.(1)(b), 7.c.(2)(b), and 7.c.(2)(c) must equal sum of items 7.a.(1) through (4), column B.

(2)		Sum of items 7.d.(1)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column A.

(3)		Sum of items 7.d.(2)(a) and (b), columns A through C, must equal sum of items 7.a.(1) through (4), column B.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCL 39

Schedule RC-L — Continued

(Column B)

(Column A)

Foreign

(Column C)

(Column D)

Interest Rate

Exchange

Equity Derivative

Commodity and

Dollar Amounts in Thousands

Contracts

Other Contracts

12. Gross amounts (e.g., notional amounts) (for each column, sum of items 12.a through 12.e must equal sum of items 13 and 14):

a. Futures contracts

RCON8693

RCON8694

RCON8695

RCON8696

12.a.

b. Forward contracts

RCON8697

RCON8698

RCON8699

RCON8700

113,426

7,467

12.b.

c. Exchange-traded option contracts:

(1) Written options

RCON8701

RCON8702

RCON8703

RCON8704

12.c.(1)

(2) Purchased options

RCON8705

RCON8706

RCON8707

RCON8708

12.c.(2)

d. Over-the-counter option contracts:

(1) Written options

RCON8709

RCON8710

RCON8711

RCON8712

118,119

12.d.(1)

(2) Purchased options

RCON8713

RCON8714

RCON8715

RCON8716

12.d.(2)

e. Swaps

RCON3450

RCON3826

RCON8719

RCON8720

1,860,099

14,622

12.e.

13. Total gross notional amount of derivative contracts held for trading

RCONA126

RCONA127

RCON8723

RCON8724

1,780,790

7,467

13.

14. Total gross notional amount of derivative contracts held for purposes other than trading

RCON8725

RCON8726

RCON8727

RCON8728

310,853

14,622

14.

a. Interest rate swaps where the bank has agreed to pay a fixed rate

RCONA589

310,853

14.a.

15. Gross fair values of derivative contracts:

a. Contracts held for trading:

(1) Gross positive fair value

RCON8733

RCON8734

RCON8735

RCON8736

47,953

15.a.(1)

(2) Gross negative fair value

RCON8737

RCON8738

RCON8739

RCON8740

44,464

15.a.(2)

b. Contracts held for purposes other than trading:

(1) Gross positive fair value

RCON8741

RCON8742

RCON8743

RCON8744

15.b.(1)

(2) Gross negative fair value

RCON8745

RCON8746

RCON8747

RCON8748

28,550

15.b.(2)


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCL 40

Schedule RC-L — Continued

Item 16 is to be completed only by banks with total assets of $10 billion or more.( 1 )

(Column B)

(Column E)

(Column A)

Monoline

(Column D)

Corporations

Banks and

Financial

(Column C)

Sovereign

and All Other

Dollar Amounts in Thousands

Securities Firms

Guarantors

Hedge Funds

Governments

Counterparties

16. Over-the-counter derivatives:

a. Net current credit exposure

RCONG418

RCONG419

RCONG420

RCONG421

RCONG422

44,114

16.a.

b. Fair value of collateral:

(1) Cash — U.S. dollar

RCONG423

RCONG424

RCONG425

RCONG426

RCONG427

500

16.b.

(1)

(2) Cash — Other currencies

RCONG428

RCONG429

RCONG430

RCONG431

RCONG432

16.b.

(2)

(3) U.S. Treasury securities

RCONG433

RCONG434

RCONG435

RCONG436

RCONG437

16.b.

(3)

(4) U.S. Government agency and U.S. Government-sponsored agency debt securities

RCONG438

RCONG439

RCONG440

RCONG441

RCONG442

16.b.

(4)

(5) Corporate bonds

RCONG443

RCONG444

RCONG445

RCONG446

RCONG447

16.b.

(5)

(6) Equity securities

RCONG448

RCONG449

RCONG450

RCONG451

RCONG452

16.b.

(6)

(7) All other collateral

RCONG453

RCONG454

RCONG455

RCONG456

RCONG457

16.b.

(7)

(8) Total fair value of collateral (sum of items 16.b.(1) through (7))

RCONG458

RCONG459

RCONG460

RCONG461

RCONG462

500

16.b.

(8)


(1)		The $10 billion asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCM 41

Schedule RC-M — Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Extensions of credit by the reporting bank to its executive officers, directors, principal shareholders, and their related interests as of the report date:
a. Aggregate amount of all extensions of credit to all executive officers, directors, principal shareholders, and their related interests	RCON6164		27,233	1.a.
b. Number of executive officers, directors, and principal shareholders to whom the amount of all extensions of credit by the reporting bank (including extensions of credit to related interests) equals or exceeds the lesser of $500,000 or 5 percent of total capital as defined for this purpose in agency regulations	RCON6165		3	1.b.
2. Intangible assets other than goodwill:
a. Mortgage servicing assets	RCON3164		21,317	2.a.
(1) Estimated fair value of mortgage servicing assets	RCONA590		21,579	2.a.(1)
b. Purchased credit card relationships and nonmortgage servicing assets	RCONB026		0	2.b.
c. All other identifiable intangible assets	RCON5507		10,411	2.c.
d. Total (sum of items 2.a, 2.b, and 2.c) (must equal Schedule RC, item 10.b)	RCON0426		31,728	2.d.
3. Other real estate owned:
a. Construction, land development, and other land	RCON5508		15,464	3.a.
b. Farmland	RCON5509		0	3.b.
c. 1-4 family residential properties	RCON5510		37,959	3.c.
d. Multifamily (5 or more) residential properties	RCON5511		1,654	3.d.
e. Nonfarm nonresidential properties	RCON5512		9,293	3.e.
f. Foreclosed properties from “GNMA loans”	RCONC979		0	3.f.
g. Total (sum of items 3.a through 3.f) (must equal Schedule RC, item 7)	RCON2150		64,370	3.g.
4. Not applicable
5. Other borrowed money:
a. Federal Home Loan Bank advances:
(1) Advances with a remaining maturity or next repricing date of: (1)
(a) One year or less	RCONF055		120,000	5.a.(1)(a)
(b) Over one year through three years	RCONF056		51,485	5.a.(1)(b)
(c) Over three years through five years	RCONF057		117,335	5.a.(1)(c)
(d) Over five years	RCONF058		36,740	5.a.(1)(d)
(2) Advances with a REMAINING MATURITY of one year or less (included in item 5.a.(1)(a) above) (2)	RCON2651		120,000	5.a.(2)
(3) Structured advances (included in items 5.a.(1)(a)-(d) above)	RCONF059		0	5.a.(3)
b. Other borrowings:
(1) Other borrowings with a remaining maturity or next repricing date of: (3)
(a) One year or less	RCONF060		53	5.b.(1)(a)
(b) Over one year through three years	RCONF061		117	5.b.(1)(b)
(c) Over three years through five years	RCONF062		130	5.b.(1)(c)
(d) Over five years	RCONF063		147	5.b.(1)(d)
(2) Other borrowings with a REMAINING MATURITY of one year or less (included in item 5.b.(1)(a) above) (4)	RCONB571		53	5.b.(2)

c. Total (sum of items 5.a.(1)(a)-(d) and items 5.b.(1)(a)-(d)) (must equal Schedule RC, item 16)	RCON3190		326,007	5.c.


(1)		Report fixed rate advances by remaining maturity and floating rate advances by next repricing date.

(2)		Report both fixed and floating rate advances by remaining maturity. Exclude floating rate advances with a next repricing date of one year or less that have a remaining maturity of over one year.

(3)		Report fixed rate other borrowings by remaining maturity and floating rate other borrowings by next repricing date.

(4)		Report both fixed and floating rate other borrowings by remaining maturity. Exclude floating rate other borrowings with a next repricing date of one year or less that have a remaining maturity of over one year.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCM 42

Schedule RC-M — Continued


		Yes/No
6. Does the reporting bank sell private label or third party mutual funds and annuities?	RCONB569	YES	6.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
7. Assets under the reporting bank’s management in proprietary mutual funds and annuities	RCONB570		0	7.
8. Primary Internet Web site address of the bank (home page), if any TEXT4087 www.firstmerit.com (Example: www.examplebank.com)				8.


		Yes/No
9. Do any of the bank’s Internet Web sites have transactional capability, i.e., allow the bank’s customers to execute transactions on their accounts through the Web site?	RCON4088	YES	9.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
10. Secured liabilities:
a. Amount of “Federal funds purchased” that are secured (included in Schedule RC, item 14.a)	RCONF064		0	10.a.
b. Amount of “Other borrowings” that are secured (included in Schedule RC-M, items 5.b.(1)(a)-(d))	RCONF065		447	10.b.


		Yes/No
11. Does the bank act as trustee or custodian for Individual Retirement Accounts, Health Savings Acounts, and other similar accounts?	RCONG463	YES	11.
12. Does the bank provide custody, safekeeping, or other services involving the acceptance of orders for the sale or purchase of securities?	RCONG464	YES	12.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
13. Assets covered by loss-sharing agreements with the FDIC:
a. Loans and leases (included in Schedule RC, items 4.a and 4.b)	RCONJ452		1,926,934	13.a.
b. Other real estate owned (included in Schedule RC, item 7)	RCONJ453		50,262	13.b.
c. Debt securities (included in Schedule RC, items 2.a and 2.b)	RCONJ461		0	13.c.
d. Other assets (excluding FDIC loss-sharing indemnification assets)	RCONJ462		0	13.d.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCN 43

Schedule RC-N — Past Due and Nonaccrual Loans, Leases, and Other Assets

(Column A)

(Column B)

Past due 30 through 89 days

Past due 90 days or more and

(Column C)

Dollar Amounts in Thousands

and still accruing

still accruing

Nonaccrual

1. Loans secured by real estate:

a. Construction, land development, and other land loans:

(1) 1-4 family residential construction loans

RCONF172

3,013

RCONF174

3,066

RCONF176

4,361

1.a.(1)

(2) Other construction loans and all land development and other land loans

RCONF173

10,457

RCONF175

6,181

RCONF177

16,525

1.a.(2)

b. Secured by farmland

RCON3493

RCON3494

205

RCON3495

1.b.

c. Secured by 1-4 family residential properties:

(1) Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit

RCON5398

6,024

RCON5399

5,370

RCON5400

558

1.c.(1)

(2) Closed-end loans secured by 1-4 family residential properties:

(a) Secured by first liens

RCONC236

36,006

RCONC237

31,933

RCONC229

8,404

1.c.(2)(a)

(b) Secured by junior liens

RCONC238

6,775

RCONC239

10,971

RCONC230

13,425

1.c.(2)(b)

d. Secured by multifamily (5 or more) residential properties

RCON3499

360

RCON3500

3,886

RCON3501

17,300

1.d.

e. Secured by nonfarm nonresidential properties:

(1) Loans secured by owner-occupied nonfarm nonresidential properties

RCONF178

34,840

RCONF180

22,270

RCONF182

7,373

1.e.(1)

(2) Loans secured by other nonfarm nonresidential properties

RCONF179

10,342

RCONF181

29,434

RCONF183

26,772

1.e.(2)

2. Loans to depository institutions and acceptances of other banks

RCONB834

RCONB835

RCONB836

3. Not applicable

4. Commercial and industrial loans

RCON1606

15,310

RCON1607

15,616

RCON1608

4,933

5. Loans to individuals for household, family, and other personal expenditures:

a. Credit cards

RCONB575

2,545

RCONB576

371

RCONB577

966

5.a.

b. Other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards)

RCONB578

15,761

RCONB579

1,226

RCONB580

3,859

5.b.

6. Loans to foreign governments and official institutions

RCON5389

RCON5390

RCON5391

7. All other loans ⁽¹⁾

RCON5459

1,263

RCON5460

RCON5461

211

8. Lease financing receivables

RCON1226

312

RCON1227

RCON1228

9. Debt securities and other assets (exclude other real estate owned and other repossessed assets)

RCON3505

RCON3506

RCON3507


(1)		Includes past due and nonaccrual “Loans to finance agricultural production and other loans to farmers” “Obligations (other than securities and leases) of states and political subdivisions in the U.S.,” and “Loans to nondepository financial institutions and other loans.”



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCN 44

Schedule RC-N — Continued

Amounts reported in Schedule RC-N, items 1 through 8, above include guaranteed and unguaranteed portions of past due and nonaccrual loans and leases. Report in item 10 below certain guaranteed loans and leases that have already been included in the amounts reported in items 1 through 8.

(Column A)

(Column B)

Past due 30 through 89 days

Past due 90 days or more and

(Column C)

Dollar Amounts in Thousands

and still accruing

still accruing

Nonaccrual

10. Loans and leases reported in items 1 through 8 above which are wholly or partially guaranteed by the U.S. Government (including loans and leases covered by FDIC loss-sharing agreements)

RCON5612

84,052

RCON5613

128,108

RCON5614

10.

a. Guaranteed portion of loans and leases included in item 10 above (exclude rebooked “GNMA loans”)

RCON5615

67,255

RCON5616

102,487

RCON5617

10.a.

b. Rebooked “GNMA loans” that have been repurchased or are eligible for repurchase included in item 10

RCONC866

RCONC867

RCONC868

10.b.

Memoranda

(Column A)

(Column B)

Past due 30 through 89 days

Past due 90 days or more and

(Column C)

Dollar Amounts in Thousands

and still accruing

still accruing

Nonaccrual

1. Restructured loans and leases included in Schedule RC N, items 1 through 8, above (and not reported in Schedule RC-C, Part I, Memo item 1):

a. Loans secured by 1-4 family residential properties

RCONF661

24,893

RCONF662

923

RCONF663

M.1.a.

b. Other loans and all leases (exclude loans to individuals for household, family, and other personal expenditures)

RCON1658

900

RCON1659

761

RCON1661

7,950

M.1.b.

2. Loans to finance commercial real estate, construction, and land development activities (not secured by real estate) included in Schedule RC-N, items 4 and 7, above

RCON6558

RCON6559

RCON6560

M.2.

3. Memo items 3.a. through 3.d are to be completed by banks with $300 million or more in total assets: ⁽¹⁾

a. Loans secured by real estate to non-U.S. addressees (domicile) (included in Schedule RC-N, item 1, above)

RCON1248

RCON1249

RCON1250

M.3.a.

b. Loans to and acceptances of foreign banks (included in Schedule RC-N, item 2, above)

RCON5380

RCON5381

RCON5382

M.3.b.

c. Commercial and industrial loans to non-U.S. addressees (domicile) (included in Schedule RC-N, item 4, above)

RCON1254

RCON1255

RCON1256

M.3.c.


(1)		The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2009, Report of Condition.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCN 45

Schedule RC-N — Continued

Memoranda (continued)

(Column A)

(Column B)

Past due 30 through 89 days

Past due 90 days or more and

(Column C)

Dollar Amounts in Thousands

and still accruing

still accruing

Nonaccrual

d. Leases to individuals for household, family, and other personal expenditures (included in Schedule RC-N, item 8, above)

RCONF166

RCONF167

RCONF168

M.3.d.

Memorandum item 4 is to be completed by:

• banks with $300 million or more in total assets

4. Loans to finance agricultural production and other loans to farmers (included in Schedule RC-N, item 7, above)

RCON1594

RCON1597

RCON1583

M.4.

5. Loans and leases held for sale and loans measured at fair value (included in Schedule RC-N, items 1 through 8, above):

a. Loans and leases held for sale

RCONC240

RCONC241

RCONC226

M.5.a.

b. Loans measured at fair value:

(1) Fair value

RCONF664

RCONF665

RCONF666

M.5.b.(1)

(2) Unpaid principal balance

RCONF667

RCONF668

RCONF669

M.5.b.(2)

(Column A)

(Column B)

Dollar Amounts in Thousands

Past due 30 through 89 days

Past due 90 days or more

Memorandum item 6 is to be completed by banks with $300 million or more in total assets: ⁽¹⁾

6. Derivative contracts: Fair value of amounts carried as assets

RCON3529

RCON3530

M.6.

Dollar Amounts in Thousands

Bil | Mil | Thou

7. Additions to nonaccrual assets during the quarter

RCONC410

22,012

M.7.

8. Nonaccrual assets sold during the quarter

RCONC411

M.8.


(1)		The $300 million asset size test and the five percent of total loans test are generally based on the total assets and total loans reported on the June 30, 2009, Report of Condition.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCO 46

Schedule RC-O — Other Data for Deposit Insurance and FICO Assessments

All banks must complete items 1 and 2, items 7 through 9, Memorandum item 1, and, if applicable, Memorandum items 2, 3, and 4 each quarter. Each bank that reported $1 billion or more in total assets in its March 31, 2007 Report of Condition must complete items 4 and 5 each quarter. In addition, each bank that reported $1 billion or more in total assets in two consecutive Reports of Condition beginning with its June 30, 2007 report must begin to complete items 4 and 5 each quarter starting six months after the second consecutive quarter in which it reports total assets of $1 billion or more. Each bank that becomes insured by the FDIC on or after April 1, 2007 must complete items 4 and 5 each quarter. Any other bank may choose to complete items 4 and 5, but the bank must then continue to complete items 4 and 5 each quarter thereafter.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Total deposit liabilities before exclusions (gross) as defined in Section 3(I) of the Federal Deposit Insurance Act and FDIC regulations	RCONF236		11,313,264	1.
2. Total allowable exclusions, including interest accrued and unpaid on allowable exclusions	RCONF237		0	2.
3. Not applicable
4. Total daily average of deposit liabilities before exclusions (gross) as defined in Section 3(I) of the Federal Deposit Insurance Act and FDIC regulations	RCONF238		11,435,631	4.
5. Total daily average of allowable exclusions, including interest accrued and unpaid on allowable exclusions	RCONF239		0	5.
6. Not applicable
7. Unsecured “Other borrowings” with a remaining maturity of (sum of items 7.a through 7.d must be less than or equal to Schedule RC-M, items 5.b.(1)(a)-(d) minus item 10.b):
a. One year or less	RCONG465		0	7.a.
b. Over one year through three years	RCONG466		0	7.b.
c. Over three years through five years	RCONG467		0	7.c.
d. Over five years	RCONG468		0	7.d.
8. Subordinated notes and debentures with a remaining maturity of (sum of items 8.a through 8.d must equal Schedule RC, item 19):
a. One year or less	RCONG469		0	8.a.
b. Over one year through three years	RCONG470		0	8.b.
c. Over three years through five years	RCONG471		0	8.c.
d. Over five years	RCONG472		0	8.d.
9. Reciprocal brokered deposits (included in Schedule RC-E, Memorandum item 1.b)	RCONG803		5,635	9.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCO 47

Schedule RC-O — Continued

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Total assessable deposits of the bank, including related interest accrued and unpaid (sum of Memorandum items 1.a.(1), 1.b.(1), 1.c.(1), and 1.d.(1) must equal RC-O, item 1 less item 2):
a. Deposit accounts (excluding retirement accounts) of $250,000 or less: ⁽¹⁾
(1) Amount of deposit accounts (excluding retirement accounts) of $250,000 or less	RCONF049		8,105,763	M.1.a.(1)

Number

(2) Number of deposit accounts (excluding retirement accounts) of $250,000 or less

RCONF050

869536

M.1.a.

(2)


b. Deposit accounts (excluding retirement accounts) of more than $250,000: ⁽¹⁾
(1) Amount of deposit accounts (excluding retirement accounts) of more than $250,000	RCONF051	2,655,631	M.1.b.(1)

Number

(2) Number of deposit accounts (excluding retirement accounts) of more than $250,000

RCONF052

3513

M.1.b.(2)


c. Retirement deposit accounts of $250,000 or less: ⁽¹⁾
(1) Amount of retirement deposit accounts of $250,000 or less	RCONF045	541,754	M.1.c.(1)

Number

(2) Number of retirement deposit accounts of $250,000 or less

RCONF046

35760

M.1.c.

(2)


d. Retirement deposit accounts of more than $250,000: ⁽¹⁾
(1) Amount of retirement deposit accounts of more than $250,000	RCONF047	10,116	M.1.d.(1)

Number

(2) Number of retirement deposit accounts of more than $250,000

RCONF048

M.1.d.(2)


*Memorandum item 2 is to be completed by banks with $1 billion or more in total assets.*⁽²⁾
2. Estimated amount of uninsured assessable deposits, including related interest accrued and unpaid (see instructions)⁽³⁾	RCON5597	1,903,733	M.2.
3. Has the reporting institution been consolidated with a parent bank or savings association in that parent bank’s or parent saving association’s Call Report or Thrift Financial Report? If so, report the legal title and FDIC Certificate Number of the parent bank or parent savings association:

a. Legal title

TEXTA545

M.3.a.


b. FDIC Certificate Number	RCONA545	0	M.3.b.
*Memorandum items 4.a and 4.b are to be completed by all banks participating in the FDIC Transaction Account Guarantee Program.*
4. Noninterest-bearing transaction accounts (as defined in Part 370 of the FDIC’s regulations) of more than $250,000 (see instructions):
a. *Average daily amount* of noninterest-bearing transaction accounts of more than $250,000 (including balances swept from noninterest-bearing transaction accounts to noninterest-bearing savings accounts)	RCONJ651	N/A	M.4.a.

Number

b. Average daily number of noninterest-bearing transaction accounts of more than $250,000 (rounded to two decimal places)

RCONJ652

N/A

M.4.b.

Memorandum items 5.a and 5.b are to be completed by all banks.


5. Noninterest-bearing transaction accounts (as defined in Section 343 of the Dodd-Frank Act) of more than $250,000 (see instructions):
a. *Amount* of noninterest-bearing transaction accounts of more than $250,000	RCONJ944	1,255,209	M.5.a.

Number

b. Number of noninterest-bearing transaction accounts of more than $250,000

RCONJ945

1198

M.5.b.


(1)		The dollar amounts used as the basis for reporting in Memorandum items 1.a and 1.d reflect the deposit insurance limits in effect on the report date excluding the temporary unlimited insurance coverage on noninterest-bearing transaction accounts.

(2)		The $1 billion asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.

(3)		Uninsured assessable deposits should be estimated based on the deposit insurance limits set forth in Memorandum items 1.a through 1.d and the temporary unlimited insurance coverage on noninterest-bearing transaction accounts, but without taking into account a bank’s participation in the FDIC’s Debt Guarantee Program.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCP 48

Schedule RC-P — 1-4 Family Residential Mortgage Banking Activities

Schedule RC-P is to be completed by (1) all banks with $1 billion or more in total assets ⁽¹⁾ and (2) banks with less than $1 billion in total assets at which either closed-end (first and junior lien) 1-4 family residential mortgage loan originations and purchases for resale ⁽²⁾ from all sources, loan sales, or quarter-end loans held for sale in domestic offices exceed $10 million for two consecutive quarters.


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Retail originations during the quarter of 1-4 family residential mortgage loans for sale: ⁽²⁾
a. Closed-end first liens	RCONF066		227,538	1.a.
b. Closed-end junior liens	RCONF067		0	1.b.
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit	RCONF670		0	1.c.(1)
(2) Principal amount funded under the lines of credit	RCONF671		0	1.c.(2)
2. Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale: ⁽²⁾
a. Closed-end first liens	RCONF068		0	2.a.
b. Closed-end junior liens	RCONF069		0	2.b.
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit	RCONF672		0	2.c.(1)
(2) Principal amount funded under the lines of credit	RCONF673		0	2.c.(2)
3. 1-4 family residential mortgage loans sold during the quarter:
a. Closed-end first liens	RCONF070		211,045	3.a.
b. Closed-end junior liens	RCONF071		0	3.b.
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit	RCONF674		0	3.c.(1)
(2) Principal amount funded under the lines of credit	RCONF675		0	3.c.(2)
4. 1-4 family residential mortgage loans held for sale at quarter-end (included in Schedule RC, item 4.a):
a. Closed-end first liens	RCONF072		41,340	4.a.
b. Closed-end junior liens	RCONF073		0	4.b.
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit	RCONF676		0	4.c.(1)
(2) Principal amount funded under the lines of credit	RCONF677		0	4.c.(2)
5. Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans (included in Schedule RI, items 5.f, 5.g, and 5.i):
a. Closed-end 1-4 family residential mortgage loans	RIADF184		9,211	5.a.
b. Open-end 1-4 family residential mortgage loans extended under lines of credit	RIADF560		0	5.b.
6. Repurchases and indemnifications of 1-4 family residential mortgage loans during the quarter:
a. Closed-end first liens	RCONF678		103	6.a.
b. Closed-end junior liens	RCONF679		0	6.b.
c. Open-end loans extended under lines of credit:
(1) Total commitment under the lines of credit	RCONF680		0	6.c.(1)
(2) Principal amount funded under the lines of credit	RCONF681		0	6.c.(2)


(1)		The $1 billion asset size test is generally based on the total assets reported on the June 30, 2009, Report of Condition.

(2)		Exclude originations and purchases of closed-end 1-4 family residential mortgage loans that are held for investment.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCQ 49

Schedule RC-Q — Assets and Liabilities Measured at Fair Value on a Recurring Basis

Schedule RC-Q is to be completed by banks that:

(1)

Had total assets of $500 million or more as of the beginning of their fiscal year; or

(2)

Has total assets of less than $500 million as of the beginning of their fiscal year and either:

	(a)		Have elected to report financial instruments or servicing assets and liabilities at fair value under a fair value option with changes in fair value recognized in earnings, or

	(b)		Are required to complete Schedule RC-D, Trading Assets and Liabilities.

(Column B)

(Column A)

LESS: Amounts

(Column C)

(Column D)

(Column E)

Total Fair Value

Netted in the

Level 1 Fair

Level 2 Fair

Level 3 Fair

Reported on

Determination of

Value

Dollar Amounts in Thousands

Schedule RC

Total Fair Value

Measurements

ASSETS

1. Available-for-sale securities

RCON1773

RCONG474

RCONG475

RCONG476

RCONG477

2,986,328

3,135

2,922,224

60,969

2. Federal funds sold and securities purchased under agreements to resell

RCONG478

RCONG479

RCONG480

RCONG481

RCONG482

3. Loans and leases held for sale

RCONG483

RCONG484

RCONG485

RCONG486

RCONG487

41,340

41,340

4. Loans and leases held for investment

RCONG488

RCONG489

RCONG490

RCONG491

RCONG492

5. Trading assets:

a. Derivative assets

RCON3543

RCONG493

RCONG494

RCONG495

RCONG496

47,957

47,957

5.a.

b. Other trading assets

RCONG497

RCONG498

RCONG499

RCONG500

RCONG501

5.b.

(1) Nontrading securities at fair value with changes in fair value reported in current earnings (included in Schedule RC-Q, item 5.b, above)

RCONF240

RCONF684

RCONF692

RCONF241

RCONF242

5.b.(1)

6. All other assets

RCONG391

RCONG392

RCONG395

RCONG396

RCONG804

7. Total assets measured at fair value on a recurring basis (sum of items 1 through 5.b plus item 6)

RCONG502

RCONG503

RCONG504

RCONG505

RCONG506

3,075,625

3,135

3,011,521

60,969



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCQ 50

Schedule RC-Q — Continued

(Column B)

(Column A)

LESS: Amounts

(Column C)

(Column D)

(Column E)

Total Fair Value

Netted in the

Level 1 Fair

Level 2 Fair

Level 3 Fair

Reported on

Determination of

Value

Dollar Amounts in Thousands

Schedule RC

Total Fair Value

Measurements

LIABILITIES

8. Deposits

RCONF252

RCONF686

RCONF694

RCONF253

RCONF254

9. Federal funds purchased and securities sold under agreements to repurchase

RCONG507

RCONG508

RCONG509

RCONG510

RCONG511

10. Trading liabilities:

a. Derivative liabilities

RCON3547

RCONG512

RCONG513

RCONG514

RCONG515

44,468

44,468

10.a.

b. Other trading liabilities

RCONG516

RCONG517

RCONG518

RCONG519

RCONG520

10.b.

11. Other borrowed money

RCONG521

RCONG522

RCONG523

RCONG524

RCONG525

11.

12. Subordinated notes and debentures

RCONG526

RCONG527

RCONG528

RCONG529

RCONG530

12.

13. All other liabilities

RCONG805

RCONG806

RCONG807

RCONG808

RCONG809

28,550

28,550

13.

14. Total liabilities measured at fair value on a recurring basis (sum of items 8 through 13)

RCONG531

RCONG532

RCONG533

RCONG534

RCONG535

73,018

14.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCQ 51

Schedule RC-Q — Continued

(Column B)

(Column A)

LESS: Amounts

(Column C)

(Column D)

(Column E)

Total Fair Value

Netted in the

Level 1 Fair

Level 2 Fair

Level 3 Fair

Reported on

Determination of

Value

Dollar Amounts in Thousands

Schedule RC

Total Fair Value

Measurements

Memoranda

1. All other assets (itemize and describe amounts included in Schedule RC-Q, item 6, that are greater than $25,000 and exceed 25% of item 6):

a. Mortgage servicing assets

RCONG536

RCONG537

RCONG538

RCONG539

RCONG540

M.1.a.

b. Nontrading derivative assets

RCONG541

RCONG542

RCONG543

RCONG544

RCONG545

M.1.b.

c. TEXTG546

RCONG546

RCONG547

RCONG548

RCONG549

RCONG550

M.1.c.

d. TEXTG551

RCONG551

RCONG552

RCONG553

RCONG554

RCONG555

M.1.d.

e. TEXTG556

RCONG556

RCONG557

RCONG558

RCONG559

RCONG560

M.1.e.

f. TEXTG561

RCONG561

RCONG562

RCONG563

RCONG564

RCONG565

M.1.f.

2. All other liabilities (itemize and describe amounts included in Schedule RC-Q, item 13, that are greater than $25,000 and exceed 25% of item 13):

a. Loan commitments (not accounted for as derivatives)

RCONF261

RCONF689

RCONF697

RCONF262

RCONF263

M.2.a.

b. Nontrading derivative liabilities

RCONG566

RCONG567

RCONG568

RCONG569

RCONG570

28,550

28,550

M.2.b.

c. TEXTG571

RCONG571

RCONG572

RCONG573

RCONG574

RCONG575

M.2.c.

d. TEXTG576

RCONG576

RCONG577

RCONG578

RCONG579

RCONG580

M.2.d.

e. TEXTG581

RCONG581

RCONG582

RCONG583

RCONG584

RCONG585

M.2.e.

f. TEXTG586

RCONG586

RCONG587

RCONG588

RCONG589

RCONG590

M.2.f.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCR 52

Schedule RC-R — Regulatory Capital


Dollar Amounts in Thousands		Bil \| Mil \| Thou
Tier 1 capital

1. Total bank equity capital (from Schedule RC, item 27.a)	RCON3210		1,311,064		1.

2. LESS: Net unrealized gains (losses) on available-for-sale securities (if gain, report as positive value; if loss, report as negative value) ⁽¹⁾	RCON8434		(26,103	)	2.
3. LESS: Net unrealized loss on available-for-sale EQUITY securities (report loss as positive value)	RCONA221		0		3.
4. LESS: Accumulated net gains (losses) on cash flow hedges (if a gain, report as a positive value; if a loss, report as a negative value)	RCON4336		0		4.
5. LESS: Nonqualifying perpetual preferred stock	RCONB588		0		5.
6. Qualifying noncontrolling (minority) interests in consolidated subsidiaries	RCONB589		110,059		6.
7.
a. LESS: Disallowed goodwill and other disallowed intangible assets	RCONB590		489,510		7.a.
b. LESS: Cumulative change in fair value of all financial liabilities accounted for under a fair value option that is included in retained earnings and is attributable to changes in the bank’s own creditworthiness (if a net gain, report as positive value; if a net loss, report as negative value)	RCONF264		0		7.b.

8. Subtotal (sum of items 1 and 6, less items 2, 3, 4, 5, 7.a, and 7.b)	RCONC227		957,716		8.

9.
a. LESS: Disallowed servicing assets and purchased credit card relationships	RCONB591		1,896		9.a.
b. LESS: Disallowed deferred tax assets	RCON5610		0		9.b.
10. Other additions to (deductions from) Tier 1 capital	RCONB592		0		10.

11. Tier 1 capital (sum of items 8 and 10, less items 9.a and 9.b)	RCON8274		955,820		11.


Tier 2 capital
12. Qualifying subordinated debt and redeemable preferred stock	RCON5306		0		12.
13. Cumulative perpetual preferred stock includible in Tier 2 capital	RCONB593		0		13.
14. Allowance for loan and lease losses includible in Tier 2 capital	RCON5310		114,779		14.
15. Unrealized gains on available-for-sale equity securities includible in Tier 2 capital	RCON2221		0		15.
16. Other Tier 2 capital components	RCONB594		0		16.
17. Tier 2 capital (sum of items 12 through 16)	RCON5311		114,779		17.
18. Allowable Tier 2 capital (lesser of item 11 or 17)	RCON8275		114,779		18.
19. Tier 3 capital allocated for market risk	RCON1395		0		19.
20. Deductions for total risk-based capital	RCONB595		0		20.

21. Total risk-based capital (sum of items 11, 18, and 19, less item 20)	RCON3792		1,070,599		21.


Total assets for leverage ratio
22. Average total assets (from Schedule RC-K, item 9)	RCON3368		14,535,719		22.
23. LESS: Disallowed goodwill and other disallowed intangible assets (from item 7.a above)	RCONB590		489,510		23.
24. LESS: Disallowed servicing assets and purchased credit card relationships (from item 9.a above)	RCONB591		1,896		24.
25. LESS: Disallowed deferred tax assets (from item 9.b above)	RCON5610		0		25.
26. LESS: Other deductions from assets for leverage capital purposes	RCONB596		0		26.

27. Average total assets for leverage capital purposes (item 22 less items 23 through 26)	RCONA224		14,044,313		27.


Adjustments for financial subsidiaries
28.
a. Adjustment to Tier 1 capital reported in item 11	RCONC228		4,309		28.a.
b. Adjustment to total risk-based capital reported in item 21	RCONB503		8,618		28.b.
29. Adjustment to risk-weighted assets reported in item 62	RCONB504		101		29.
30. Adjustment to average total assets reported in item 27	RCONB505		81		30.


(1)		Report amount included in Schedule RC, item 26.b, “Accumulated other comprehensive income.”


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCR 53

Schedule RC-R — Continued

Capital ratios
(Column B is to be completed by all banks. Column A is to be completed by banks with financial subsidiaries.)

(Column A)

Percentage (Banks with

(Column B)

Financial Subsidiaries)

Percentage (All Banks)

31. Tier 1 leverage ratio ⁽²⁾

RCON7273

6.78

RCON7204

6.81

31.

32. Tier 1 risk-based capital ratio ⁽³⁾

RCON7274

10.39

RCON7206

10.43

32.

33. Total risk-based capital ratio ⁽⁴⁾

RCON7275

11.59

RCON7205

11.69

33.


(2)		The ratio for column B is item 11 divided by item 27. The ratio for column A is item 11 minus item 28.a divided by (item 27 minus item 30).

(3)		The ratio for column B is item 11 divided by item 62. The ratio for column A is item 11 minus item 28.a divided by (item 62 minus item 29).

(4)		The ratio for column B is item 21 divided by item 62. The ratio for column A is item 21 minus item 28.b divided by (item 62 minus item 29).



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCR 54

Schedule RC-R — Continued

Banks are not required to risk-weight each on-balance sheet asset and the credit equivalent amount of each off-balance sheet item that qualifies for a risk weight of less than 100 percent (50 percent for derivatives) at its lower risk weight. When completing items 34 through 54 of Schedule RC-R, each bank should decide for itself how detailed a risk-weight analysis it wishes to perform. In other words, a bank can choose from among its assets and off-balance sheet items that have a risk weight of less than 100 percent which ones to risk-weight at an appropriate lower risk weight, or it can simply risk-weight some or all of these items at a 100 percent risk weight (50 percent for derivatives).

Balance Sheet Asset Categories

(Column B)

(Column C)

(Column D)

(Column E)

(Column F)

(Column A)

Items Not

Allocation by

Totals (from

Subject to Risk-

Risk Weight

Dollar Amounts in Thousands

Schedule RC)

Weighting

Category 0%

Category 20%

Category 50%

Category 100%

34. Cash and balances due from depository institutions (Column A equals the sum of Schedule RC items 1.a and 1.b)

RCON0010

RCONC869

RCONB600

RCONB601

RCONB602

521,323

437,889

83,434

34.

35. Held-to-maturity securities

RCON1754

RCONB603

RCONB604

RCONB605

RCONB606

RCONB607

59,962

59,962

35.

36. Available-for-sale securities

RCON1773

RCONB608

RCONB609

RCONB610

RCONB611

RCONB612

2,986,328

13,903

84,760

2,755,263

27,689

104,713

36.

37. Federal funds sold and securities purchased under agreements to resell

RCONC225

RCONC063

RCONC064

RCONB520

37.

38. Loans and leases held for sale

RCON5369

RCONB617

RCONB618

RCONB619

RCONB620

RCONB621

41,340

41,340

38.

39. Loans and leases, net of unearned income

RCONB528

RCONB622

RCONB623

RCONB624

RCONB625

RCONB626

8,876,714

1,435,677

557,767

6,883,270

39.

40. LESS: Allowance for loan and lease losses

RCON3123

128,381

40.

41. Trading assets

RCON3545

RCONB627

RCONB628

RCONB629

RCONB630

RCONB631

47,957

47,957

41.

42. All other assets ^{( 1 )}

RCONB639

RCONB640

RCONB641

RCONB642

RCONB643

RCON5339

1,718,658

491,406

46,065

493,332

2,033

685,822

42.

43. Total assets (sum of items 34 through 42)

RCON2170

RCONB644

RCON5320

RCON5327

RCON5334

RCON5340

14,123,901

376,928

568,714

4,827,668

628,829

7,721,762

43.


(1)		Includes premises and fixed assets, other real estate owned, investments in unconsolidated subsidiaries and associated companies, direct and indirect investments in real estate ventures, intangible assets, and other assets.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCR 55

Schedule RC-R — Continued

Derivatives and Off-Balance Sheet Items


								(Column C)		(Column D)		(Column E)		(Column F)
	(Column A)		Credit			(Column B)		Allocation by		Allocation by		Allocation by		Allocation by
	Face Value or		Conversion			Credit Equivalent		Risk Weight		Risk Weight		Risk Weight		Risk Weight
Dollar Amounts in Thousands	Notional Amount		Factor			Amount (1)		Category 0%		Category 20%		Category 50%		Category 100%
44. Financial standby letters of credit		RCONB546	1.00 or 12.5 (2)				RCONB547		RCONB548		RCONB581		RCONB582		RCONB583
		128,813		1.00			128,813		0		0		0		128,813	44.
45. Performance standby letters of credit		RCON3821					RCONB650		RCONB651		RCONB652		RCONB653		RCONB654
		10,653		.50			5,327		0		0		0		5,327	45.
46. Commercial and similar letters of credit		RCON3411					RCONB655		RCONB656		RCONB657		RCONB658		RCONB659
		3,781		.20			756		0		0		0		756	46.
47. Risk participations in bankers acceptances acquired by the reporting institution		RCON3429					RCONB660		RCONB661		RCONB662				RCONB663
		0		1.00			0		0		0				0	47.
48. Securities lent		RCON3433					RCONB664		RCONB665		RCONB666		RCONB667		RCONB668
		0		1.00			0		0		0		0		0	48.
49. Retained recourse on small business obligations sold with recourse		RCONA250					RCONB669		RCONB670		RCONB671		RCONB672		RCONB673
		0		1.00			0		0		0		0		0	49.
50. Recourse and direct credit substitutes (other than financial standby letters of credit) subject to the low -level exposure rule and residual interests subject to a dollar- for-dollar capital requirement		RCONB541		12.5	(3)		RCONB542								RCONB543
		0		12.50			0								0	50.
51. All other financial assets sold with recourse		RCONB675					RCONB676		RCONB677		RCONB678		RCONB679		RCONB680
		57,017		1.00			57,017		0		0		47,269		9,748	51.
52. All other off-balance sheet liabilities		RCONB681					RCONB682		RCONB683		RCONB684		RCONB685		RCONB686
		525		1.00			525		0		337		0		188	52.
53. Unused commitments:
a. With an original maturity exceeding one year		RCON3833					RCONB687		RCONB688		RCONB689		RCONB690		RCONB691
		0		.50			0		0		0		0		0	53.a.
b. With an original maturity of one year or less to asset- backed commercial paper conduits		RCONG591					RCONG592		RCONG593		RCONG594		RCONG595		RCONG596
		0		.10			0		0		0		0		0	53.b.
54. Derivative contracts							RCONA167		RCONB693		RCONB694		RCONB695
							60,490		0		60,490		0			54.


(1)		Column A multiplied by credit conversion factor.

(2)		For financial standby letters of credit to which the low -level exposure rule applies, use a credit conversion factor of 12.5 or an institution-specific factor. For other financial standby letters of credit, use a credit conversion factor of 1.00. See instructions for further information.

(3)		Or institution-specific factor.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCR 56

Schedule RC-R — Continued

(Column C)

(Column D)

(Column E)

(Column F)

Allocation by

Risk Weight

Dollar Amounts in Thousands

Category 0%

Category 20%

Category 50%

Category 100%

55. Total assets, derivatives, and off-balance sheet items by risk weight category (for each column, sum of items 43 through 54)

RCONB696

RCONB697

RCONB698

RCONB699

568,714

4,888,495

676,098

7,866,594

55.

56. Risk weight factor

x 0

x 20

x 50

x 100

56.

57. Risk-weighted assets by risk weight category (for each column, item 55 multiplied by item 56)

RCONB700

RCONB701

RCONB702

RCONB703

977,699

338,049

7,866,594

57.

58. Market risk equivalent assets

RCON1651

58.

59. Risk-weighted assets before deductions for excess allowance for loan and lease losses and allocated transfer risk reserve (sum of item 57, columns C through F, and item 58)

RCONB704

9,182,342

59.

60. LESS: Excess allowance for loan and lease losses

RCONA222

22,451

60.

61. LESS: Allocated transfer risk reserve

RCON3128

61.

62. Total risk-weighted assets (item 59 minus items 60 and 61)

RCONA223

9,159,891

62.

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Current credit exposure across all derivative contracts covered by the risk-based capital standards	RCON8764		46,511	M.1.

(Column B)

(Column A)

With a remaining maturity of

(Column C)

With a remaining maturity of

over one year through five

With a remaining maturity of

Dollar Amounts in Thousands

one year of less

years

over five years

2. Notional principal amounts of derivative contracts: ⁽¹⁾

a. Interest rate contracts

RCON3809

100,032

RCON8766

1,337,448

RCON8767

422,618

M.2.a.

b. Foreign exchange contracts

RCON3812

7,467

RCON8769

RCON8770

M.2.b.

c. Gold contracts

RCON8771

RCON8772

RCON8773

M.2.c.

d. Other precious metals contracts

RCON8774

RCON8775

RCON8776

M.2.d.

e. Other commodity contracts

RCON8777

RCON8778

RCON8779

M.2.e.

f. Equity derivative contracts

RCONA000

14,622

RCONA001

RCONA002

M.2.f.

g. Credit derivative contracts:

Purchased credit protection that (a) is a covered position under the market risk rule or (b) is not a covered position under the market risk rule and is not recognized as a guarantee for risk-based capital purposes:

(1) Investment grade

RCONG597

RCONG598

RCONG599

M.2.g.(1)

(2) Subinvestment grade

RCONG600

RCONG601

RCONG602

M.2.g.(2)


(1)		Exclude foreign exchange contracts with an original maturity of 14 days or less and all futures contracts.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCS 57

Schedule RC-S — Servicing, Securitization, and Asset Sale Activities

Bank Securitization Activities

(Column A)

(Column G)

1-4 Family

(Column B)

(Column C)

(Column E)

(Column F)

All Other Loans,

Residential

Home Equity

Credit Card

(Column D)

Other Consumer

Commercial and

All Leases and

Dollar Amounts in Thousands

Loans

Lines

Receivables

Auto Loans

Loans

Industrial Loans

All Other Assets

1. Outstanding principal balance of assets sold and securitized by the reporting bank with servicing retained or with recourse or other seller-provided credit enhancements

RCONB705

RCONB706

RCONB707

RCONB708

RCONB709

RCONB710

RCONB711

2. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to structures reported in item 1 in the form of:

a. Credit-enhancing interest-only strips (included in Schedules RC-B or RC-F or in Schedule RC, item 5)

RCONB712

RCONB713

RCONB714

RCONB715

RCONB716

RCONB717

RCONB718

2.a.

b. Subordinated securities and other residual interests

RCONC393

RCONC394

RCONC395

RCONC396

RCONC397

RCONC398

RCONC399

2.b.

c. Standby letters of credit and other enhancements

RCONC400

RCONC401

RCONC402

RCONC403

RCONC404

RCONC405

RCONC406

2.c.

3. Reporting bank’s unused commitments to provide liquidity to structures reported in item 1

RCONB726

RCONB727

RCONB728

RCONB729

RCONB730

RCONB731

RCONB732

4. Past due loan amounts included in item 1:

a. 30-89 days past due

RCONB733

RCONB734

RCONB735

RCONB736

RCONB737

RCONB738

RCONB739

4.a.

b. 90 days or more past due

RCONB740

RCONB741

RCONB742

RCONB743

RCONB744

RCONB745

RCONB746

4.b.

5. Charge-offs and recoveries on assets sold and securitized with servicing retained or with recourse or other seller-provided credit enhancements (calendar year-to-date):

a. Charge-offs

RIADB747

RIADB748

RIADB749

RIADB750

RIADB751

RIADB752

RIADB753

5.a.

b. Recoveries

RIADB754

RIADB755

RIADB756

RIADB757

RIADB758

RIADB759

RIADB760

5.b.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCS 58

Schedule RC-S — Continued

(Column A)

(Column G)

1-4 Family

(Column B)

(Column C)

(Column E)

(Column F)

All Other Loans,

Residential

Home Equity

Credit Card

(Column D)

Other Consumer

Commercial and

All Leases and

Dollar Amounts in Thousands

Loans

Lines

Receivables

Auto Loans

Loans

Industrial Loans

All Other Assets

6. Amount of ownership (or seller’s) interests carried as:

a. Securities (included in Schedule RC-B or in Schedule RC, item 5)

RCONB761

RCONB762

RCONB763

6.a.

b. Loans (included in Schedule RC-C)

RCONB500

RCONB501

RCONB502

6.b.

7. Past due loan amounts included in interests reported in item 6.a:

a. 30-89 days past due

RCONB764

RCONB765

RCONB766

7.a.

b. 90 days or more past due

RCONB767

RCONB768

RCONB769

7.b.

8. Charge-offs and recoveries on loan amounts included in interests reported in item 6.a (calendar year-to-date):

a. Charge-offs

RIADB770

RIADB771

RIADB772

8.a.

b. Recoveries

RIADB773

RIADB774

RIADB775

8.b.

For Securitization Facilities Sponsored By or Otherwise Established By Other Institutions

9. Maximum amount of credit exposure arising from credit enhancements provided by the reporting bank to other institutions’ securitization structures in the form of standby letters of credit, purchased subordinated securities, and other enhancements

RCONB776

RCONB777

RCONB778

RCONB779

RCONB780

RCONB781

RCONB782

10. Reporting bank’s unused commitments to provide liquidity to other institutions’ securitization structures

RCONB783

RCONB784

RCONB785

RCONB786

RCONB787

RCONB788

RCONB789

10.

Bank Asset Sales

11. Assets sold with recourse or other seller-provided credit enhancements and not securitized by the reporting bank

RCONB790

RCONB791

RCONB792

RCONB793

RCONB794

RCONB795

RCONB796

47,269

13,147

11.

12. Maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to assets reported in item 11

RCONB797

RCONB798

RCONB799

RCONB800

RCONB801

RCONB802

RCONB803

47,269

9,748

12.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCS 59

Schedule RC-S — Continued

Memoranda


Dollar Amounts in Thousands		Bil \| Mil \| Thou
1. Small business obligations transferred with recourse under Section 208 of the Riegle Community Development and Regulatory Improvement Act of 1994:
a. Outstanding principal balance	RCONA249		0	M.1.a.
b. Amount of retained recourse on these obligations as of the report date	RCONA250		0	M.1.b.
2. Outstanding principal balance of assets serviced for others:
a. Closed-end 1-4 family residential mortgages serviced with recourse or other servicer-provided credit enhancements	RCONB804		2,453	M.2.a.
b. Closed-end 1-4 family residential mortgages serviced with no recourse or other servicer-provided credit enhancements	RCONB805		2,140,125	M.2.b.
c. Other financial assets (includes home equity lines) ^{( 1 )}	RCONA591		0	M.2.c.
d. 1-4 family residential mortgages serviced for others that are in process of foreclosure at quarter-end (includes closed-end and open-end loans)	RCONF699		17,402	M.2.d.
3. Asset-backed commercial paper conduits:
a. Maximum amount of credit exposure arising from credit enhancements provided to conduit structures in the form of standby letters of credit, subordinated securities, and other enhancements:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company	RCONB806		0	M.3.a.(1)
(2) Conduits sponsored by other unrelated institutions	RCONB807		0	M.3.a.(2)
b. Unused commitments to provide liquidity to conduit structures:
(1) Conduits sponsored by the bank, a bank affiliate, or the bank’s holding company	RCONB808		0	M.3.b.(1)
(2) Conduits sponsored by other unrelated institutions	RCONB809		0	M.3.b.(2)
4. Outstanding credit card fees and finance charges included in Schedule RC-S, item 1, col C^{( 2 )}	RCONC407		N/A	M.4.


(1)		Memorandum item 2.c is to be completed if the principal balance of other financial assets serviced for others is more than $10 million.

(2)		Memorandum item 4 is to be completed by banks that (1) together with affiliated institutions, have outstanding credit card receivables (as defined in the instruc that exceed $500 million as of the report date or (2) are credit card specialty banks as defined for Uniform Bank Performance Report purposes.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCT 60

Schedule RC-T — Fiduciary and Related Services


		Yes/No
1. Does the institution have fiduciary powers? (If “NO,” do not complete Schedule RC-T.)	RCONA345	YES	1.
2. Does the institution exercise the fiduciary powers it has been granted?	RCONA346	YES	2.
3. Does the institution have any fiduciary or related activity (in the form of assets or accounts) to report in this schedule? (If “NO,” do not complete the rest of Schedule RC-T.)	RCONB867	YES	3.

If the answer to item 3 is “YES,” complete the applicable items of Schedule RC-T, as follows:

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $250 million (as of the preceding December 31) or with gross fiduciary and related services income greater than 10% of revenue (net interest income plus noninterest income) for the preceding calendar year must complete:

•

Items 4 through 22 quarterly,

•

Items 23 through 26 annually with the December report, and

•

Memorandum items 1 through 4 annually with the December report.

Institutions with total fiduciary assets (item 10, sum of columns A and B) greater than $100 million but less than or equal to $250 million (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:

•

Items 4 through 26 annually with the December report, and

•

Memorandum items 1 through 4 annually with the December report.

Institutions with total fiduciary assets (item 10, sum of columns A and B) of $100 million or less (as of the preceding December 31) that do not meet the fiduciary income test for quarterly reporting must complete:

•

Items 4 through 13 annually with the December report, and

•

Memorandum items 1 through 3 annually with the December report.

FIDUCIARY AND RELATED ASSETS

(Column C)

(Column D)

(Column B)

Number of

Number of Non-

(Column A)

Non-Managed

Managed

Dollar Amounts in Thousands

Managed Assets

Assets

Accounts

4. Personal trust and agency accounts

RCONB868

RCONB869

RCONB870

RCONB871

807,128

44,654

1217

5. Employee benefit and retirement-related trust and agency accounts:

a. Employee benefit — defined contribution

RCONB872

RCONB873

RCONB874

RCONB875

127,505

539,153

116

305

5.a.

b. Employee benefit — defined benefit

RCONB876

RCONB877

RCONB878

RCONB879

261,211

286,151

5.b.

c. Other employee benefit and retirement-related accounts

RCONB880

RCONB881

RCONB882

RCONB883

174,725

39,485

470

5.c.

6. Corporate trust and agency accounts

RCONB884

RCONB885

RCONC001

RCONC002

6,849

7. Investment management and investment advisory agency accounts

RCONB886

RCONJ253

RCONB888

RCONJ254

1,054,559

4,107

879

8. Foundation and endowment trust and agency accounts

RCONJ255

RCONJ256

RCONJ257

RCONJ258

49,227

158,719

9. Other fiduciary accounts

RCONB890

RCONB891

RCONB892

RCONB893

85,860

10. Total fiduciary accounts (sum of items 4 through 9)

RCONB894

RCONB895

RCONB896

RCONB897

2,560,215

1,079,118

2745

561

10.

11. Custody and safekeeping accounts

RCONB898

RCONB899

721,494

190

11.

12. Not applicable

13. Individual Retirement Accounts, Health Savings Accounts, and other similar accounts (included in items 5.c and 11)

RCONJ259

RCONJ260

RCONJ261

RCONJ262

168,137

22,452

452

13.



December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCT 61

Schedule RC-T — Continued

FIDUCIARY AND RELATED SERVICES INCOME


Dollar Amounts in Thousands		Bil \| Mil \| Thou
14. Personal trust and agency accounts	RIADB904		7,810	14.
15. Employee benefit and retirement-related trust and agency accounts:
a. Employee benefit — defined contribution	RIADB905		2,754	15.a.
b. Employee benefit — defined benefit	RIADB906		675	15.b.
c. Other employee benefit and retirement-related accounts	RIADB907		1,752	15.c.
16. Corporate trust and agency accounts	RIADA479		153	16.
17. Investment management and investment advisory agency accounts	RIADJ315		5,530	17.
18. Foundation and endowment trust and agency accounts	RIADJ316		447	18.
19. Other fiduciary accounts	RIADA480		516	19.
20. Custody and safekeeping accounts	RIADB909		656	20.
21. Other fiduciary and related services income	RIADB910		1,658	21.
22. Total gross fiduciary and related services income (sum of items 14 through 21) (must equal Schedule RI, item 5.a)	RIAD4070		21,951	22.
23. Less: Expenses	RIADC058		14,677	23.
24. Less: Net losses from fiduciary and related services	RIADA488		41	24.
25. Plus: Intracompany income credits for fiduciary and related services	RIADB911		0	25.
26. Net fiduciary and related services income	RIADA491		7,233	26.

Memoranda

(Column A)

(Column B)

Personal Trust and Agency

Employee Benefit and

and Investment Management

Retirement-Related Trust and

(Column C)

Dollar Amounts in Thousands

Agency Accounts

All Other Accounts

1. Managed assets held in fiduciary accounts:

a. Noninterest-bearing deposits

RCONJ263

142

RCONJ264

RCONJ265

M.1.a.

b. Interest-bearing deposits

RCONJ266

23,557

RCONJ267

624

RCONJ268

M.1.b.

c. U.S. Treasury and U.S. Government agency obligations

RCONJ269

368,751

RCONJ270

77,508

RCONJ271

14,548

M.1.c.

d. State, county, and municipal obligations

RCONJ272

279,949

RCONJ273

101

RCONJ274

M.1.d.

e. Money market mutual funds

RCONJ275

156,312

RCONJ276

34,193

RCONJ277

3,053

M.1.e.

f. Equity mutual funds

RCONJ278

196,766

RCONJ279

143,128

RCONJ280

35,578

M.1.f.

g. Other mutual funds

RCONJ281

246,211

RCONJ282

99,820

RCONJ283

11,934

M.1.g.

h. Common trust funds and collective investment funds

RCONJ284

RCONJ285

RCONJ286

M.1.h.

i. Other short-term obligations

RCONJ287

RCONJ288

RCONJ289

M.1.i.

j. Other notes and bonds

RCONJ290

115,900

RCONJ291

52,701

RCONJ292

8,183

M.1.j.

k. Investments in unregistered funds and private equity investments

RCONJ293

3,685

RCONJ294

13,423

RCONJ295

M.1.k.

l. Other common and preferred stocks

RCONJ296

374,354

RCONJ297

141,510

RCONJ298

46,955

M.1.l.

m. Real estate mortgages

RCONJ299

335

RCONJ300

RCONJ301

M.1.m.

n. Real estate

RCONJ302

12,722

RCONJ303

RCONJ304

M.1.n.

o. Miscellaneous assets

RCONJ305

83,003

RCONJ306

370

RCONJ307

14,791

M.1.o.

p. Total managed assets held in fiduciary accounts (for each column, sum of Memorandum items 1.a through 1.o)

RCONJ308

1,861,687

RCONJ309

563,441

RCONJ310

135,087

M.1.p.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCT 62

Schedule RC-T — Continued

Memoranda (continued)

(Column A)

(Column B)

Dollar Amounts in Thousands

Managed Assets

Number of Managed Accounts

1.q. Investments of managed fiduciary accounts in advised or sponsored mutual funds

RCONJ311

RCONJ312

M.1.q.

(Column A)

(Column B)

Dollar Amounts in Thousands

Number of Issues

Principal Amount Outstanding

2. Corporate trust and agency accounts:

a. Corporate and municipal trusteeships

RCONB927

RCONB928

96,855

M.2.a.

(1) Issues reported in Memorandum item 2.a that are in default

RCONJ313

RCONJ314

4,775

M.2.a.(1)

b. Transfer agent, registrar, paying agent, and other corporate agency

RCONB929

M.2.b.

(Column A)

(Column B)

Dollar Amounts in Thousands

Number of Funds

Market Value of Fund Assets

3. Collective investment funds and common trust funds:

a. Domestic equity

RCONB931

RCONB932

M.3.a.

b. International/Global equity

RCONB933

RCONB934

M.3.b.

c. Stock/Bond blend

RCONB935

RCONB936

M.3.c.

d. Taxable bond

RCONB937

RCONB938

M.3.d.

e. Municipal bond

RCONB939

RCONB940

M.3.e.

f. Short term investments/Money market

RCONB941

RCONB942

M.3.f.

g. Specialty/Other

RCONB943

RCONB944

M.3.g.

h. Total collective investment funds (sum of Memorandum items 3.a through 3.g)

RCONB945

RCONB946

M.3.h.

(Column A)

(Column B)

Gross Losses Managed

Gross Losses Non- Managed

(Column C)

Dollar Amounts in Thousands

Accounts

Recoveries

4. Fiduciary settlements, surcharges, and other losses:

a. Personal trust and agency accounts

RIADB947

RIADB948

RIADB949

M.4.a.

b. Employee benefit and retirement- related trust and agency accounts

RIADB950

RIADB951

RIADB952

M.4.b.

c. Investment management and investment advisory agency accounts

RIADB953

RIADB954

RIADB955

M.4.c.

d. Other fiduciary accounts and related services

RIADB956

RIADB957

RIADB958

M.4.d.

e. Total fiduciary settlements, surcharges, and other losses (sum of Memorandum items 4.a through 4.d) (sum of columns A and B minus column C must equal Schedule RC-T, item 24)

RIADB959

RIADB960

RIADB961

M.4.e.


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule RCT 63

Schedule RC-T — Continued

Memoranda (continued)

Person to whom questions about Schedule RC-T — Fiduciary and Related Services should be directed:

Kellee Ipe, Trust Accountant
Name and Title (TEXT B962)

kellee.ipe@firstmerit.com
E-mail Address (TEXT B926)

(330)848-8928
Telephone: Area code/phone number/extension (TEXT B963)

(330)376-7608
FAX: Area code/phone number (TEXT B964)


December 2010 FFIEC 041 FirstMerit Bank, N.A. — ID RSSD# 0000067311		Printed: 01/31/2011 — 07:05 am

Schedule NARR 64

Optional Narrative Statement Concerning the Amounts
Reported in the Reports of Condition and Income

The management of the reporting bank may, if it wishes, submit a brief narrative statement on the amounts reported in the Reports of Condition and Income. This optional statement will be made available to the public, along with the publicly available data in the Report of Condition and Income, in response to any request for individual bank report data. However, the information reported in Schedule RI-E, item 2.g, and Schedule RC-F, item 6.f, is regarded as confidential and will not be released to the public. BANKS CHOOSING TO SUBMIT THE NARRATIVE STATEMENT SHOULD ENSURE THAT THE STATEMENT DOES NOT CONTAIN THE NAMES OR OTHER IDENTIFICATIONS OF INDIVIDUAL BANK CUSTOMERS, REFERENCES TO THE AMOUNTS REPORTED IN THE CONFIDENTIAL ITEMS IDENTIFIED ABOVE, OR ANY OTHER INFORMATION THAT THEY ARE NOT WILLING TO HAVE MADE PUBLIC OR THAT WOULD COMPROMISE THE PRIVACY OF THEIR CUSTOMERS. Banks choosing not to make a statement may check the “No comment” box below and should make no entries of any kind in the space provided for the narrative statement; i.e., DO NOT enter in this space such phrases as “No statement,” “Not applicable,” “N/A,” “No comment,” and “None.”

The optional statement must be entered on this sheet. The statement should not exceed 100 words. Further, regardless of the number of words, the statement must not exceed 750 characters, including punctuation, indentation, and standard spacing between words and sentences. If any submission should exceed 750 characters, as defined, it will be truncated at 750 characters with no notice to the submitting bank and the truncated statement will appear as the bank’s statement both on agency computerized records and in computer-file releases to the public.

All information furnished by the bank in the narrative statement must be accurate and not misleading. Appropriate efforts shall be taken by the submitting bank to ensure the statement’s accuracy.

If, subsequent to the original submission, material changes are submitted for the data reported in the Reports of Condition and Income, the existing narrative statement will be deleted from the files, and from disclosure; the bank, at its option, may replace it with a statement appropriate to the amended data.

The optional narrative statement will appear in agency records and in release to the public exactly as submitted (or amended as described in the preceding paragraph) by the management of the bank (except for the truncation of statements exceeding the 750-character limit described above). THE STATEMENT WILL NOT BE EDITED OR SCREENED IN ANY WAY BY THE SUPERVISORY AGENCIES FOR ACCURACY OR RELEVANCE. DISCLOSURE OF THE STATEMENT SHALL NOT SIGNIFY THAT ANY FEDERAL SUPERVISORY AGENCY HAS VERIFIED OR CONFIRMED THE ACCURACY OF THE INFORMATION CONTAIN THEREIN. A STATEMENT TO THIS EFFECT WILL APPEAR ON ANY PUBLIC RELEASE OF THE OPTIONAL STATEMENT SUBMITTED BY THE MANAGEMENT OF THE REPORTING BANK.

Comments? NO
(RCON 6979)

BANK MANAGEMENT STATEMENT (Please type or print clearly):
(TEXT 6980)

FIRSTMERIT CORP /OH/ - FORM 8-K - EX-99.2 - February 1, 2011

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