Cover Page
About FirstMerit
Financial Highlights
Letter to Shareholders
Management Highlights
Creating Value
Every acquisition
How can we help
Shaping solutions
Customer value
Growth strategies
We know it will work
Stability
Everyone wins
Financial Reports
Balance Sheets
Statements of Income
Statements of Shareholders' Equity
Statements of Cash Flows
Notes to Financial Statements
Management's Report
Report of Indepedent Accountants
Average Balance Sheets
Management's Discussion and Analysis
Selected Financial Data
Officers and Directors
Corpration and Subsidiaries
Shareholder Information
Back Cover
FirstMerit Corporation and Subsidiaries
Average Consolidated Balance Sheets
Notes:
Interest income on tax-exempt securities and loans have been adjusted to a fully tax-equivalent basis. Non-accrual loans have been included in the average balances.
