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SEC FORM 13F-HR

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: Oct 31, 2018
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 12-31-2022
Check here if Amendment    Amendment Number:
This Amendment (Check only one.):    is a restatement.
   adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: FIRST MERCHANTS CORP
Address: 200 East Jackson Street
Muncie, IN  47305
Form 13F File Number: 028-13037

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: Candy Shannon
Title: Vice President
Phone: 765-747-1315
Signature, Place, and Date of Signing:
Candy Shannon Muncie,  IN 01-20-2023
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
   13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
   13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 374
Form 13F Information Table Value Total: 1,091,691,495
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE
SEC FORM 13-F Information Table

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: Oct 31, 2018
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC ADR FOREIGN EQUITIES G1151C101 11,599,698 43,473 SH   SOLE   42,720 516 237
ACCENTURE PLC ADR FOREIGN EQUITIES G1151C101 102,995 386 SH   DFND   386 0 0
LINDE PLC COM COMMON STOCK G5494J103 5,606,742 17,190 SH   SOLE   17,012 55 123
LINDE PLC COM COMMON STOCK G5494J103 3,261 10 SH   DFND   10 0 0
ALCON INC COM FOREIGN EQUITIES H01301128 3,121,105 45,538 SH   SOLE   45,407 0 131
CHUBB LIMITED ADR FOREIGN EQUITIES H1467J104 9,849,026 44,647 SH   SOLE   43,947 442 258
CHUBB LIMITED ADR FOREIGN EQUITIES H1467J104 293,837 1,332 SH   DFND   1,332 0 0
AFLAC INC COM COMMON STOCK 001055102 485,162 6,744 SH   SOLE   6,744 0 0
AT&T INC COM COMMON STOCK 00206R102 524,883 28,527 SH   SOLE   28,527 0 0
AT&T INC COM COMMON STOCK 00206R102 18,400 1,000 SH   DFND   1,000 0 0
ABBOTT LABS COM COMMON STOCK 002824100 9,529,216 86,796 SH   SOLE   85,563 900 333
ABBOTT LABS COM COMMON STOCK 002824100 309,497 2,819 SH   DFND   2,819 0 0
ABBVIE INC COM COMMON STOCK 00287Y109 3,507,241 21,702 SH   SOLE   21,702 0 0
ABBVIE INC COM COMMON STOCK 00287Y109 226,254 1,400 SH   DFND   1,400 0 0
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101 4,754,244 14,128 SH   SOLE   13,347 737 44
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101 42,063 125 SH   DFND   125 0 0
ALEXANDRIA RE EQUITIES INC COM REAL ESTATE INVESTMENT TRUST 015271109 1,774,449 12,182 SH   SOLE   12,073 29 80
ALEXANDRIA RE EQUITIES INC COM REAL ESTATE INVESTMENT TRUST 015271109 874 6 SH   DFND   6 0 0
ALLIANT CORP COM COMMON STOCK 018802108 3,412,481 61,821 SH   SOLE   60,124 1,572 125
ALLIANT CORP COM COMMON STOCK 018802108 179,952 3,260 SH   DFND   3,260 0 0
ALPHABET INC CL C COM COMMON STOCK 02079K107 1,645,585 18,546 SH   SOLE   18,406 0 140
ALPHABET INC CL C COM COMMON STOCK 02079K107 26,619 300 SH   DFND   300 0 0
ALPHABET CL A COM COMMON STOCK 02079K305 15,314,351 173,575 SH   SOLE   170,748 1,951 876
ALPHABET CL A COM COMMON STOCK 02079K305 272,628 3,090 SH   DFND   3,090 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103 356,048 7,791 SH   SOLE   7,791 0 0
ALTRIA GROUP INC COM COMMON STOCK 02209S103 54,840 1,200 SH   DFND   1,200 0 0
AMAZON INC COM COMMON STOCK 023135106 6,706,224 79,836 SH   SOLE   79,433 223 180
AMAZON INC COM COMMON STOCK 023135106 50,400 600 SH   DFND   600 0 0
AMERICAN EXPRESS CO COM COMMON STOCK 025816109 207,439 1,404 SH   SOLE   1,392 0 12
AMERICAN TOWER CORP REIT REAL ESTATE INVESTMENT TRUST 03027X100 2,284,870 10,785 SH   SOLE   10,655 0 130
AMERICAN WATER CO INC COM COMMON STOCK 030420103 1,681,602 11,033 SH   SOLE   10,840 17 176
AMERICAN WATER CO INC COM COMMON STOCK 030420103 10,364 68 SH   DFND   68 0 0
AMERISOURCE-BERGEN CORP COM COMMON STOCK 03073E105 605,156 3,652 SH   SOLE   3,625 19 8
AMERISOURCE-BERGEN CORP COM COMMON STOCK 03073E105 14,416 87 SH   DFND   87 0 0
AMERIPRISE FINANCIAL COM COMMON STOCK 03076C106 6,150,522 19,754 SH   SOLE   19,377 313 64
AMERIPRISE FINANCIAL COM COMMON STOCK 03076C106 123,609 397 SH   DFND   397 0 0
AMGEN INC COM COMMON STOCK 031162100 4,961,013 18,890 SH   SOLE   18,890 0 0
AMGEN INC COM COMMON STOCK 031162100 54,101 206 SH   DFND   206 0 0
AMPHENOL CORPORATION COM COMMON STOCK 032095101 8,482,334 111,421 SH   SOLE   110,662 219 540
AMPHENOL CORPORATION COM COMMON STOCK 032095101 23,447 308 SH   DFND   308 0 0
ANSYS INC COM COMMON STOCK 03662Q105 449,099 1,859 SH   SOLE   1,802 0 57
ELEVANCE HEALTH INC COM COMMON STOCK 036752103 846,894 1,651 SH   SOLE   1,651 0 0
APPLE INC COM COMMON STOCK 037833100 30,120,475 231,822 SH   SOLE   229,623 1,380 819
APPLE INC COM COMMON STOCK 037833100 771,780 5,940 SH   DFND   5,940 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103 12,917,378 54,080 SH   SOLE   53,061 690 329
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103 304,784 1,276 SH   DFND   1,276 0 0
BALL CORP COM COMMON STOCK 058498106 2,375,140 46,453 SH   SOLE   46,453 0 0
BAXTER INTERNATIONAL INC COM COMMON STOCK 071813109 571,360 11,210 SH   SOLE   10,410 650 150
BAXTER INTERNATIONAL INC COM COMMON STOCK 071813109 50,970 1,000 SH   DFND   1,000 0 0
BECTON DICKINSON & CO COM COMMON STOCK 075887109 3,346,294 13,159 SH   SOLE   12,649 350 160
BECTON DICKINSON & CO COM COMMON STOCK 075887109 97,140 382 SH   DFND   382 0 0
BERKSHIRE HATHAWAY CL A COM COMMON STOCK 084670108 937,421 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY CL B COM COMMON STOCK 084670702 6,530,755 21,143 SH   SOLE   21,012 36 95
BERKSHIRE HATHAWAY CL B COM COMMON STOCK 084670702 85,253 276 SH   DFND   276 0 0
BLACKROCK INC COM COMMON STOCK 09247X101 6,938,786 9,792 SH   SOLE   9,723 28 41
BLACKROCK INC COM COMMON STOCK 09247X101 90,703 128 SH   DFND   128 0 0
BLACKROCK INTL GROWTH & INC CLOSED END FUNDS - EQUITY/MF 092524107 59,508 11,878 SH   SOLE   11,878 0 0
BOEING CO COM COMMON STOCK 097023105 92,387 485 SH   SOLE   485 0 0
BOEING CO COM COMMON STOCK 097023105 161,916 850 SH   DFND   850 0 0
BRISTOL-MYERS SQUIBB COM COMMON STOCK 110122108 463,497 6,442 SH   SOLE   6,402 0 40
BROADCOM INC NPV COM COMMON STOCK 11135F101 12,104,425 21,649 SH   SOLE   21,528 17 104
BROADCOM INC NPV COM COMMON STOCK 11135F101 124,124 222 SH   DFND   222 0 0
BROWN & BROWN INC COM COMMON STOCK 115236101 1,984,000 34,826 SH   SOLE   32,826 2,000 0
BROWN & BROWN INC COM COMMON STOCK 115236101 38,739 680 SH   DFND   680 0 0
CME GROUP COM COMMON STOCK 12572Q105 222,306 1,322 SH   SOLE   1,310 0 12
CVS CORPORATION DELAWARE COM COMMON STOCK 126650100 3,435,515 36,866 SH   SOLE   36,741 0 125
CVS CORPORATION DELAWARE COM COMMON STOCK 126650100 18,638 200 SH   DFND   200 0 0
CANADIAN NATIONAL RAILWAY ADR FOREIGN EQUITIES 136375102 3,596,950 30,257 SH   SOLE   30,192 0 65
CASEY'S GENERAL STORE COM COMMON STOCK 147528103 1,553,384 6,924 SH   SOLE   6,924 0 0
CATERPILLAR INC. COM COMMON STOCK 149123101 4,478,089 18,693 SH   SOLE   18,568 0 125
CHARLES RIV LABS INTL INC COM COMMON STOCK 159864107 517,499 2,375 SH   SOLE   2,375 0 0
CHARLES RIV LABS INTL INC COM COMMON STOCK 159864107 103,502 475 SH   DFND   475 0 0
CHEVRON CORP COM COMMON STOCK 166764100 9,625,073 53,625 SH   SOLE   53,100 400 125
CHEVRON CORP COM COMMON STOCK 166764100 287,184 1,600 SH   DFND   1,600 0 0
CISCO SYSTEMS COM COMMON STOCK 17275R102 7,486,226 157,177 SH   SOLE   154,948 1,660 569
CISCO SYSTEMS COM COMMON STOCK 17275R102 192,948 4,051 SH   DFND   4,051 0 0
COCA COLA CO COM COMMON STOCK 191216100 1,878,256 29,528 SH   SOLE   29,510 0 18
COCA COLA CO COM COMMON STOCK 191216100 47,707 750 SH   DFND   750 0 0
COGNIZANT TECHNOLOGY COM COMMON STOCK 192446102 293,043 5,125 SH   SOLE   5,125 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 751,652 9,540 SH   SOLE   9,540 0 0
COMCAST CORP CLASS A COM COMMON STOCK 20030N101 7,575,303 216,628 SH   SOLE   214,384 663 1,581
COMCAST CORP CLASS A COM COMMON STOCK 20030N101 85,884 2,456 SH   DFND   2,456 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 4,068,522 34,479 SH   SOLE   33,836 596 47
CONOCOPHILLIPS COM COMMON STOCK 20825C104 94,400 800 SH   DFND   800 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104 218,259 2,290 SH   SOLE   2,290 0 0
CORNING INC COM COMMON STOCK 219350105 921,860 28,872 SH   SOLE   28,810 62 0
CORNING INC COM COMMON STOCK 219350105 117,342 3,675 SH   DFND   3,675 0 0
CORTEVA INC COM COMMON STOCK 22052L104 4,356,559 74,131 SH   SOLE   73,488 137 506
CORTEVA INC COM COMMON STOCK 22052L104 40,726 693 SH   DFND   693 0 0
COSTCO WHOLESALE CORP COM COMMON STOCK 22160K105 11,810,924 25,873 SH   SOLE   25,494 240 139
COSTCO WHOLESALE CORP COM COMMON STOCK 22160K105 81,256 178 SH   DFND   178 0 0
CULLEN FROST BANKERS COM COMMON STOCK 229899109 2,495,321 18,664 SH   SOLE   18,520 0 144
CULLEN FROST BANKERS COM COMMON STOCK 229899109 13,370 100 SH   DFND   100 0 0
CUMMINS INC COM COMMON STOCK 231021106 5,184,694 21,399 SH   SOLE   21,377 0 22
CUMMINS INC COM COMMON STOCK 231021106 48,941 202 SH   DFND   202 0 0
DANAHER CORP COM COMMON STOCK 235851102 8,806,672 33,182 SH   SOLE   32,347 699 136
DANAHER CORP COM COMMON STOCK 235851102 156,591 590 SH   DFND   590 0 0
DEERE & CO COM COMMON STOCK 244199105 569,387 1,328 SH   SOLE   1,323 0 5
DEERE & CO COM COMMON STOCK 244199105 34,300 80 SH   DFND   80 0 0
DIGITAL REALTY TRUST REIT REAL ESTATE INVESTMENT TRUST 253868103 240,645 2,400 SH   SOLE   2,400 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 ETF LARGE CAP/MULTI-CAP 25434V708 1,143,359 47,110 SH   SOLE   47,110 0 0
DISNEY WALT COMPANY COM COMMON STOCK 254687106 3,496,902 40,251 SH   SOLE   39,322 596 333
DISNEY WALT COMPANY COM COMMON STOCK 254687106 72,891 839 SH   DFND   839 0 0
DOMINION RESOURCES INC NEW COM COMMON STOCK 25746U109 908,537 14,819 SH   SOLE   14,694 0 125
DUPONT DE NUMOURS INC COM COMMON STOCK 26614N102 226,740 3,304 SH   SOLE   3,304 0 0
DUPONT DE NUMOURS INC COM COMMON STOCK 26614N102 18,255 266 SH   DFND   266 0 0
EOG RESOURCES INC COM COMMON STOCK 26875P101 7,389,909 57,057 SH   SOLE   55,827 566 664
EOG RESOURCES INC COM COMMON STOCK 26875P101 40,410 312 SH   DFND   312 0 0
ECOLAB INC COM COMMON STOCK 278865100 1,063,448 7,306 SH   SOLE   6,821 350 135
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108 5,377,219 72,073 SH   SOLE   71,849 136 88
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108 19,622 263 SH   DFND   263 0 0
ELECTRONIC ARTS INC COM COMMON STOCK 285512109 234,336 1,918 SH   SOLE   1,918 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 3,387,030 35,260 SH   SOLE   35,090 0 170
EMERSON ELEC CO COM COMMON STOCK 291011104 67,242 700 SH   DFND   700 0 0
EQUINIX INC REIT REAL ESTATE INVESTMENT TRUST 29444U700 397,595 607 SH   SOLE   607 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 3,934,933 35,675 SH   SOLE   34,875 700 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 68,937 625 SH   DFND   625 0 0
FIRST MERCHANTS CORP COM COMMON STOCK 320817109 3,667,575 89,214 SH   SOLE   88,494 720 0
FIRST MERCHANTS CORP COM COMMON STOCK 320817109 86,331 2,100 SH   DFND   2,100 0 0
FOX COM COMMON STOCK 35137L105 1,881,757 61,983 SH   SOLE   61,654 0 329
FRANKLIN ELECTRIC CO INC COM COMMON STOCK 353514102 16,029,750 201,000 SH   SOLE   1,000 0 200,000
GENERAL MILLS COM COMMON STOCK 370334104 282,574 3,370 SH   SOLE   3,370 0 0
GENUINE PARTS CO COM COMMON STOCK 372460105 5,859,325 33,770 SH   SOLE   33,218 469 83
GENUINE PARTS CO COM COMMON STOCK 372460105 455,982 2,628 SH   DFND   2,628 0 0
GRACO INC COM COMMON STOCK 384109104 4,519,815 67,201 SH   SOLE   65,954 1,008 239
GRACO INC COM COMMON STOCK 384109104 36,252 539 SH   DFND   539 0 0
JACK HENRY & ASSOCIATES COM COMMON STOCK 426281101 2,419,370 13,781 SH   SOLE   13,736 0 45
JACK HENRY & ASSOCIATES COM COMMON STOCK 426281101 28,440 162 SH   DFND   162 0 0
HERSHEY FOODS COM COMMON STOCK 427866108 764,181 3,300 SH   SOLE   3,300 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 10,728,930 33,969 SH   SOLE   33,651 72 246
HOME DEPOT INC COM COMMON STOCK 437076102 198,036 627 SH   DFND   627 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 7,808,586 36,438 SH   SOLE   35,913 323 202
HONEYWELL INTL INC COM COMMON STOCK 438516106 132,222 617 SH   DFND   617 0 0
HORMEL FOODS CORP COM COMMON STOCK 440452100 3,919,608 86,071 SH   SOLE   85,636 63 372
HORMEL FOODS CORP COM COMMON STOCK 440452100 25,456 559 SH   DFND   559 0 0
ILLINOIS TOOL WORKS INC COM COMMON STOCK 452308109 302,689 1,374 SH   SOLE   1,374 0 0
INTEL CORP COM COMMON STOCK 458140100 3,300,236 124,869 SH   SOLE   124,464 0 405
INTEL CORP COM COMMON STOCK 458140100 59,467 2,250 SH   DFND   2,250 0 0
INTL BUSINESS MACHINES CORP COM COMMON STOCK 459200101 204,851 1,454 SH   SOLE   1,447 0 7
INVESCO ULTRA SHORT DURATIONEFT ETF FIXED TAXABLE 46090A887 16,541,553 334,513 SH   SOLE   329,160 3,775 1,578
INVESCO ULTRA SHORT DURATIONEFT ETF FIXED TAXABLE 46090A887 150,822 3,050 SH   DFND   3,050 0 0
INVESCO S&P 5OO EQ WEIGHT ETF ETF LARGE CAP/MULTI-CAP 46137V357 2,348,967 16,630 SH   SOLE   16,348 282 0
INVESCO S&P 5OO EQ WEIGHT ETF ETF LARGE CAP/MULTI-CAP 46137V357 122,321 866 SH   DFND   866 0 0
DOW JONES SELECT DIVIDEND ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287168 526,419 4,365 SH   SOLE   3,865 500 0
S&P 500 INDEX I SHARES ETF LARGE CAP/MULTI-CAP 464287200 1,720,830 4,479 SH   SOLE   4,479 0 0
BARCLAYS AGGREGATE BOND ETF ISHARES ETF FIXED TAXABLE 464287226 32,354,620 333,588 SH   SOLE   326,773 5,014 1,801
BARCLAYS AGGREGATE BOND ETF ISHARES ETF FIXED TAXABLE 464287226 1,772,201 18,272 SH   DFND   18,272 0 0
MSCI EMERGING MARKET INDEX ETF ISHARES ETF EMERGING MARKET 464287234 1,787,994 47,190 SH   SOLE   46,180 1,010 0
MSCI EMERGING MARKET INDEX ETF ISHARES ETF EMERGING MARKET 464287234 85,441 2,255 SH   DFND   2,255 0 0
S&P 500 GROWTH ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287309 18,223,817 311,519 SH   SOLE   305,186 5,098 1,235
S&P 500 GROWTH ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287309 567,684 9,704 SH   DFND   9,704 0 0
S&P 500 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287408 13,112,772 90,390 SH   SOLE   89,470 662 258
S&P 500 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287408 101,549 700 SH   DFND   700 0 0
MSCI EAFE ETF ISHARES ETF INTERNATIONAL 464287465 123,121 1,876 SH   SOLE   1,876 0 0
MSCI EAFE ETF ISHARES ETF INTERNATIONAL 464287465 193,149 2,943 SH   DFND   2,943 0 0
RUSSELL MID CAP GROWTH INDEXISHARES ETF ETF MID CAP 464287481 4,941,276 59,107 SH   SOLE   57,757 1,001 349
RUSSELL MID CAP GROWTH INDEXISHARES ETF ETF MID CAP 464287481 150,480 1,800 SH   DFND   1,800 0 0
RUSSELL MID CAP INDEX ISHARES ETF ETF MID CAP 464287499 6,727,786 99,746 SH   SOLE   99,289 0 457
S&P MID CAP 400 ETF ISHARES ETF MID CAP 464287507 3,095,197 12,796 SH   SOLE   12,606 190 0
NASDAQ BIOTECH INDEX ETF COMMON STOCK 464287556 1,375,776 10,479 SH   SOLE   9,704 675 100
NASDAQ BIOTECH INDEX ETF COMMON STOCK 464287556 19,693 150 SH   DFND   150 0 0
RUSSELL 1000 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287598 2,774,587 18,296 SH   SOLE   18,296 0 0
S&P MID-CAP 400 GROWTH ETF ISHARES ETF MID CAP 464287606 13,389,222 196,065 SH   SOLE   192,772 2,837 456
S&P MID-CAP 400 GROWTH ETF ISHARES ETF MID CAP 464287606 135,486 1,984 SH   DFND   1,984 0 0
RUSSELL 1000 GROWTH ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287614 229,235 1,070 SH   SOLE   1,070 0 0
RUSSELL 200 GROWTH ETF ETF LARGE CAP/MULTI-CAP 464287648 300,113 1,399 SH   SOLE   1,399 0 0
RUSSELL 2000 INDEX ETF ISHARES ETF SMALL CAP 464287655 6,809,380 39,054 SH   SOLE   38,537 420 97
S&P MID-CAP 400 VALUE ETF ISHARES ETF MID CAP 464287705 15,922,421 157,961 SH   SOLE   156,145 1,322 494
S&P MID-CAP 400 VALUE ETF ISHARES ETF MID CAP 464287705 216,819 2,151 SH   DFND   2,151 0 0
US TELECOMM ISHARES ETF COMMON STOCK 464287713 373,836 16,670 SH   SOLE   16,283 157 230
US TECHNOLOGY ISHARES ETF COMMON STOCK 464287721 16,987,273 228,049 SH   SOLE   223,975 2,193 1,881
US TECHNOLOGY ISHARES ETF COMMON STOCK 464287721 659,981 8,860 SH   DFND   8,860 0 0
ISHARES TR US INDUSTRIALS ETF LARGE CAP/MULTI-CAP 464287754 214,619 2,225 SH   SOLE   2,097 128 0
ISHARES TR US INDUSTRIALS ETF LARGE CAP/MULTI-CAP 464287754 57,876 600 SH   DFND   600 0 0
ISHARES TR US HLTHCARE ETF ETF LARGE CAP/MULTI-CAP 464287762 295,329 1,041 SH   SOLE   941 100 0
ISHARES TR US HLTHCARE ETF ETF LARGE CAP/MULTI-CAP 464287762 217,597 767 SH   DFND   767 0 0
ISHARES TR U.S. FINLS ETF ETF LARGE CAP/MULTI-CAP 464287788 208,067 2,757 SH   SOLE   2,557 200 0
ISHARES TR U.S. FINLS ETF ETF LARGE CAP/MULTI-CAP 464287788 98,111 1,300 SH   DFND   1,300 0 0
S&P SMALL CAP 600 CORE ETF ISHARES ETF SMALL CAP 464287804 26,765,732 282,819 SH   SOLE   277,255 3,947 1,617
S&P SMALL CAP 600 CORE ETF ISHARES ETF SMALL CAP 464287804 333,699 3,526 SH   DFND   3,526 0 0
ISHARES TR U.S. CNSM GD ETF ETF LARGE CAP/MULTI-CAP 464287812 310,657 1,532 SH   SOLE   1,425 107 0
S&P SMALL CAP 600 VALUE ETF ISHARES ETF SMALL CAP 464287879 4,901,753 53,683 SH   SOLE   53,049 492 142
S&P SMALL CAP 600 VALUE ETF ISHARES ETF SMALL CAP 464287879 30,314 332 SH   DFND   332 0 0
S&P SMALL CAP 600 GROWTH ETF ISHARES ETF SMALL CAP 464287887 4,763,360 44,077 SH   SOLE   43,879 92 106
S&P SMALL CAP 600 GROWTH ETF ISHARES ETF SMALL CAP 464287887 51,441 476 SH   DFND   476 0 0
JPM EMERGING MARKETS ISHARES ETF FIXED TAXABLE 464288281 3,156,707 37,319 SH   SOLE   36,435 563 321
JPM EMERGING MARKETS ISHARES ETF FIXED TAXABLE 464288281 142,872 1,689 SH   DFND   1,689 0 0
ISHARES TR INTL SEL DIV ETF ETF INTERNATIONAL 464288448 540,358 19,903 SH   SOLE   19,903 0 0
ISHARES PREFERRED & INC ETF ETF PREFERRED 464288687 643,198 21,075 SH   SOLE   21,075 0 0
ISHARES PREFERRED & INC ETF ETF PREFERRED 464288687 30,520 1,000 SH   DFND   1,000 0 0
ISHARES TR MICRO-CAP ETF ETF SMALL CAP 464288869 295,235 2,738 SH   SOLE   2,738 0 0
MSCI EMERGING MKTS CORE ISHARES ETF EMERGING MARKET 46434G103 2,292,852 49,099 SH   SOLE   47,919 746 434
LC CORE DVD GROWTH ETF LARGE CAP/MULTI-CAP 46434V621 283,450 5,669 SH   SOLE   5,669 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100 7,122,676 53,115 SH   SOLE   52,855 0 260
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100 107,280 800 SH   DFND   800 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 13,912,564 78,759 SH   SOLE   77,498 819 442
JOHNSON & JOHNSON COM COMMON STOCK 478160104 687,167 3,890 SH   DFND   3,890 0 0
KEYCORP COM COMMON STOCK 493267108 178,051 10,227 SH   SOLE   10,227 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 3,144,475 23,164 SH   SOLE   22,764 400 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 380,100 2,800 SH   DFND   2,800 0 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 9,141,702 43,907 SH   SOLE   42,982 570 355
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 124,924 600 SH   DFND   600 0 0
LA-Z BOY INC COM COMMON STOCK 505336107 524,901 23,012 SH   SOLE   23,012 0 0
LAM RESEARCH CORP COM COMMON STOCK 512807108 7,434,369 17,689 SH   SOLE   17,551 73 65
LAM RESEARCH CORP COM COMMON STOCK 512807108 39,927 95 SH   DFND   95 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 8,600,503 23,510 SH   SOLE   23,239 139 132
LILLY ELI & CO COM COMMON STOCK 532457108 9,721,930 26,575 SH   DFND   26,575 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 5,843,980 12,013 SH   SOLE   11,726 206 81
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 104,105 214 SH   DFND   214 0 0
LOWE'S COMPANIES INC COM COMMON STOCK 548661107 14,112,207 70,831 SH   SOLE   69,993 381 457
LOWE'S COMPANIES INC COM COMMON STOCK 548661107 241,078 1,210 SH   DFND   1,210 0 0
MDU RES GROUP INC COM COMMON STOCK 552690109 735,652 24,247 SH   SOLE   24,147 0 100
MDU RES GROUP INC COM COMMON STOCK 552690109 3,216 106 SH   DFND   106 0 0
MARKETTAXESS HOLDINGS INC COM COMMON STOCK 57060D108 676,552 2,426 SH   SOLE   2,426 0 0
MARKETTAXESS HOLDINGS INC COM COMMON STOCK 57060D108 83,664 300 SH   DFND   300 0 0
MASIMO CORP COM COMMON STOCK 574795100 490,893 3,318 SH   SOLE   3,318 0 0
MASIMO CORP COM COMMON STOCK 574795100 59,180 400 SH   DFND   400 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 3,861,298 14,653 SH   SOLE   14,602 43 8
MCDONALDS CORP COM COMMON STOCK 580135101 142,037 539 SH   DFND   539 0 0
MERCK & CO INC COM COMMON STOCK 58933Y105 662,036 5,967 SH   SOLE   5,967 0 0
MERCK & CO INC COM COMMON STOCK 58933Y105 110,950 1,000 SH   DFND   1,000 0 0
MICROSOFT CORP COM COMMON STOCK 594918104 24,712,782 103,048 SH   SOLE   101,351 1,249 448
MICROSOFT CORP COM COMMON STOCK 594918104 677,730 2,826 SH   DFND   2,826 0 0
MICROCHIP TECHNOLOGY COM COMMON STOCK 595017104 5,432,633 77,334 SH   SOLE   74,482 2,247 605
MICROCHIP TECHNOLOGY COM COMMON STOCK 595017104 360,031 5,125 SH   DFND   5,125 0 0
NATIONAL VISION HLDGS INC COM COMMON STOCK 63845R107 174,411 4,501 SH   SOLE   4,501 0 0
NATIONAL VISION HLDGS INC COM COMMON STOCK 63845R107 42,625 1,100 SH   DFND   1,100 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 6,542,741 78,263 SH   SOLE   76,975 1,140 148
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 789,769 9,447 SH   DFND   9,447 0 0
NIKE INC CL B COM COMMON STOCK 654106103 1,240,879 10,605 SH   SOLE   10,478 0 127
NORTHERN TR CORP COM COMMON STOCK 665859104 2,383,693 26,938 SH   SOLE   26,013 800 125
NORTHERN TR CORP COM COMMON STOCK 665859104 102,381 1,157 SH   DFND   1,157 0 0
NUCOR CORP COM COMMON STOCK 670346105 1,848,205 14,022 SH   SOLE   13,854 28 140
NUCOR CORP COM COMMON STOCK 670346105 167,398 1,270 SH   DFND   1,270 0 0
NVIDIA CORP COM COMMON STOCK 67066G104 2,756,482 18,862 SH   SOLE   15,132 3,600 130
NUVEEN ENH AMT FR MUNI CRED CLOSED END FIXED TAX FREE 67071L106 168,234 13,858 SH   SOLE   13,858 0 0
O'REILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107 5,005,860 5,931 SH   SOLE   5,890 9 32
OMNICOM GROUP INC COM COMMON STOCK 681919106 5,194,548 63,691 SH   SOLE   62,428 1,047 216
OMNICOM GROUP INC COM COMMON STOCK 681919106 112,389 1,378 SH   DFND   1,378 0 0
OMNICELL INC COM COMMON STOCK 68213N109 450,960 8,946 SH   SOLE   8,946 0 0
ORACLE CORP COM COMMON STOCK 68389X105 1,377,063 16,847 SH   SOLE   16,692 0 155
ORACLE CORP COM COMMON STOCK 68389X105 12,261 150 SH   DFND   150 0 0
OUTLOOK THERAPEUTICS INC COMMON STOCK 69012T206 159,611 149,170 SH   SOLE   149,170 0 0
PALO ALTO NETWORKS INC COM COMMON STOCK 697435105 226,891 1,626 SH   SOLE   1,626 0 0
PEPSICO INC COM COMMON STOCK 713448108 30,158,816 166,938 SH   SOLE   165,860 755 323
PEPSICO INC COM COMMON STOCK 713448108 506,206 2,802 SH   DFND   2,802 0 0
PFIZER INC COM COMMON STOCK 717081103 10,562,393 206,139 SH   SOLE   204,502 567 1,070
PFIZER INC COM COMMON STOCK 717081103 306,875 5,989 SH   DFND   5,989 0 0
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109 288,244 2,848 SH   SOLE   2,822 0 26
PHILIP MORRIS INTL INC COM COMMON STOCK 718172109 20,242 200 SH   DFND   200 0 0
PHILLIPS 66 COM COMMON STOCK 718546104 1,350,747 12,978 SH   SOLE   12,978 0 0
PHILLIPS 66 COM COMMON STOCK 718546104 156,120 1,500 SH   DFND   1,500 0 0
POOL CORPORATION COM COMMON STOCK 73278L105 828,040 2,739 SH   SOLE   2,739 0 0
T. ROWE PRICE GROUP INC COM COMMON STOCK 74144T108 6,031,225 55,303 SH   SOLE   54,593 518 192
T. ROWE PRICE GROUP INC COM COMMON STOCK 74144T108 61,727 566 SH   DFND   566 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 8,999,388 59,379 SH   SOLE   58,435 880 64
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 515,454 3,401 SH   DFND   3,401 0 0
PROLOGIS INC REIT REAL ESTATE INVESTMENT TRUST 74340W103 210,564 1,868 SH   SOLE   1,863 0 5
PROLOGIS INC REIT REAL ESTATE INVESTMENT TRUST 74340W103 676 6 SH   DFND   6 0 0
PUBLIC STORAGE INC. CLASS A REIT REAL ESTATE INVESTMENT TRUST 74460D109 1,210,923 4,322 SH   SOLE   4,304 0 18
PUBLIC STORAGE INC. CLASS A REIT REAL ESTATE INVESTMENT TRUST 74460D109 1,681 6 SH   DFND   6 0 0
RAYTHEON TECHNOLOGIES COM COMMON STOCK 75513E101 7,085,525 70,210 SH   SOLE   68,971 1,148 91
RAYTHEON TECHNOLOGIES COM COMMON STOCK 75513E101 58,432 579 SH   DFND   579 0 0
REALTY INCOME CORP REIT REAL ESTATE INVESTMENT TRUST 756109104 2,290,007 36,105 SH   SOLE   35,186 272 647
REALTY INCOME CORP REIT REAL ESTATE INVESTMENT TRUST 756109104 81,253 1,281 SH   DFND   1,281 0 0
REPUBLIC SERVICES INC COM COMMON STOCK 760759100 259,269 2,010 SH   SOLE   2,000 0 10
ROPER INDS INC NEW COM COMMON STOCK 776696106 2,090,342 4,838 SH   SOLE   4,767 0 71
ROPER INDS INC NEW COM COMMON STOCK 776696106 26,356 61 SH   DFND   61 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104 2,470,426 7,376 SH   SOLE   7,258 28 90
S&P GLOBAL INC COM COMMON STOCK 78409V104 4,353 13 SH   DFND   13 0 0
S&P 500 ETF SPDR ETF LARGE CAP/MULTI-CAP 78462F103 4,566,463 11,941 SH   SOLE   11,941 0 0
S&P 500 ETF SPDR ETF LARGE CAP/MULTI-CAP 78462F103 2,662,025 6,961 SH   DFND   6,961 0 0
BARCLAYS CONVERITIBLE SEC ETF SPDR ETF FIXED TAXABLE 78464A359 685,221 10,650 SH   SOLE   10,650 0 0
S&P 400 MID-CAP ETF SPDR ETF MID CAP 78467Y107 8,649,188 19,534 SH   SOLE   19,133 401 0
S&P 400 MID-CAP ETF SPDR ETF MID CAP 78467Y107 205,892 465 SH   DFND   465 0 0
B/B HIGH YIELD BOND SPDR ETF ETF FIXED TAXABLE 78468R622 4,727,970 52,533 SH   SOLE   51,567 595 371
B/B HIGH YIELD BOND SPDR ETF ETF FIXED TAXABLE 78468R622 180,360 2,004 SH   DFND   2,004 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 392,587 7,345 SH   SOLE   7,045 0 300
CHARLES SCHWAB CORP COM COMMON STOCK 808513105 9,425,968 113,213 SH   SOLE   112,368 387 458
CHARLES SCHWAB CORP COM COMMON STOCK 808513105 42,379 509 SH   DFND   509 0 0
SCHWAB INTERNATIONAL DVD ETF ETF INTERNATIONAL 808524672 5,079,653 226,673 SH   SOLE   226,052 0 621
SCHWAB INTERNATIONAL DVD ETF ETF INTERNATIONAL 808524672 37,335 1,666 SH   DFND   1,666 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF LARGE CAP/MULTI-CAP 808524797 9,932,383 131,486 SH   SOLE   131,486 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF LARGE CAP/MULTI-CAP 808524797 102,355 1,355 SH   DFND   1,355 0 0
CHARLES SCHWAB INTERMEDIATE ETF FIXED TAXABLE 808524854 548,155 11,137 SH   SOLE   11,137 0 0
SCHWAB STRATEGIC S/T US TREASURY ETF ETF FIXED TAXABLE 808524862 258,465 5,358 SH   SOLE   5,358 0 0
SCHWAB STRATEGIC S/T US TREASURY ETF ETF FIXED TAXABLE 808524862 69,320 1,437 SH   DFND   1,437 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF FIXED TAXABLE 808524870 273,708 5,285 SH   SOLE   5,285 0 0
MATERIALS SECTOR ETF SPDR COMMON STOCK 81369Y100 5,391,567 69,409 SH   SOLE   67,791 1,355 263
MATERIALS SECTOR ETF SPDR COMMON STOCK 81369Y100 84,282 1,085 SH   DFND   1,085 0 0
HEALTHCARE SECTOR ETF SPDR COMMON STOCK 81369Y209 9,764,671 71,879 SH   SOLE   70,615 793 471
HEALTHCARE SECTOR ETF SPDR COMMON STOCK 81369Y209 232,031 1,708 SH   DFND   1,708 0 0
CONSUMER STAPLES SECTOR ETF SPDR COMMON STOCK 81369Y308 8,234,442 110,472 SH   SOLE   109,121 1,028 323
CONSUMER STAPLES SECTOR ETF SPDR COMMON STOCK 81369Y308 233,831 3,137 SH   DFND   3,137 0 0
CONSUMER DISCRETION SECTOR ETF COMMON STOCK 81369Y407 3,800,830 29,428 SH   SOLE   28,803 311 314
CONSUMER DISCRETION SECTOR ETF COMMON STOCK 81369Y407 81,370 630 SH   DFND   630 0 0
ENERGY SECTOR ETF SPDR COMMON STOCK 81369Y506 3,451,802 39,464 SH   SOLE   39,047 275 142
ENERGY SECTOR ETF SPDR COMMON STOCK 81369Y506 120,708 1,380 SH   DFND   1,380 0 0
FINANCIAL SECTOR ETF SPDR COMMON STOCK 81369Y605 3,711,997 108,540 SH   SOLE   106,791 579 1,170
FINANCIAL SECTOR ETF SPDR COMMON STOCK 81369Y605 23,461 686 SH   DFND   686 0 0
INDUSTRIAL SECTOR ETF SPDR COMMON STOCK 81369Y704 2,162,691 22,022 SH   SOLE   21,665 123 234
TECHNOLOGY SELECT SECTOR ETF SPDR COMMON STOCK 81369Y803 3,519,889 28,286 SH   SOLE   28,203 0 83
COMM SERVICES SPDR COMMON STOCK 81369Y852 2,605,106 54,287 SH   SOLE   53,112 617 558
COMM SERVICES SPDR COMMON STOCK 81369Y852 12,332 257 SH   DFND   257 0 0
REAL ESTATE SELECT SEC ETF COMMON STOCK 81369Y860 3,399,551 92,057 SH   SOLE   91,611 169 277
REAL ESTATE SELECT SEC ETF COMMON STOCK 81369Y860 48,155 1,304 SH   DFND   1,304 0 0
UTILITIES SECTOR ETF COMMON STOCK 81369Y886 2,940,284 41,707 SH   SOLE   41,049 431 227
UTILITIES SECTOR ETF COMMON STOCK 81369Y886 56,400 800 SH   DFND   800 0 0
SERVICE NOW INC COM COMMON STOCK 81762P102 4,096,016 10,550 SH   SOLE   10,440 54 56
SERVICE NOW INC COM COMMON STOCK 81762P102 1,553 4 SH   DFND   4 0 0
SITEONE LANDSCAPE SUPPLY INCCOM COMMON STOCK 82982L103 1,972,575 16,814 SH   SOLE   16,814 0 0
SITEONE LANDSCAPE SUPPLY INCCOM COMMON STOCK 82982L103 116,733 995 SH   DFND   995 0 0
THE J.M. SMUCKER COMPANY COM COMMON STOCK 832696405 3,172,011 20,018 SH   SOLE   19,595 423 0
THE J.M. SMUCKER COMPANY COM COMMON STOCK 832696405 106,641 673 SH   DFND   673 0 0
STARBUCKS CORP COM COMMON STOCK 855244109 3,258,016 32,843 SH   SOLE   32,625 0 218
STARBUCKS CORP COM COMMON STOCK 855244109 24,800 250 SH   DFND   250 0 0
STRYKER CORP COM COMMON STOCK 863667101 15,495,805 63,381 SH   SOLE   62,543 631 207
STRYKER CORP COM COMMON STOCK 863667101 118,820 486 SH   DFND   486 0 0
SYSCO CORP COM COMMON STOCK 871829107 918,996 12,021 SH   SOLE   11,101 900 20
TJX COS INC NEW COM COMMON STOCK 872540109 8,513,376 106,953 SH   SOLE   105,327 1,201 425
TJX COS INC NEW COM COMMON STOCK 872540109 125,370 1,575 SH   DFND   1,575 0 0
TARGET CORP COM COMMON STOCK 87612E106 273,337 1,834 SH   SOLE   1,809 0 25
TESLA MOTORS INC COM COMMON STOCK 88160R101 271,611 2,205 SH   SOLE   2,205 0 0
TEXAS INSTRS INC COM COMMON STOCK 882508104 6,209,818 37,586 SH   SOLE   37,262 231 93
TEXAS INSTRS INC COM COMMON STOCK 882508104 36,678 222 SH   DFND   222 0 0
THERMO FISHER SCIENTIFIC INCCOM COMMON STOCK 883556102 393,743 715 SH   SOLE   715 0 0
THERMO FISHER SCIENTIFIC INCCOM COMMON STOCK 883556102 11,013 20 SH   DFND   20 0 0
3M COMPANY COM COMMON STOCK 88579Y101 239,840 2,000 SH   SOLE   2,000 0 0
TORO CO COM COMMON STOCK 891092108 656,100 5,796 SH   SOLE   5,796 0 0
TORO CO COM COMMON STOCK 891092108 101,880 900 SH   DFND   900 0 0
TRUIST FINANCIAL COM COMMON STOCK 89832Q109 6,350,561 147,622 SH   SOLE   145,441 1,657 524
TRUIST FINANCIAL COM COMMON STOCK 89832Q109 54,032 1,256 SH   DFND   1,256 0 0
US BANCORP DEL COM COMMON STOCK 902973304 1,636,872 37,535 SH   SOLE   36,763 650 122
US BANCORP DEL COM COMMON STOCK 902973304 13,083 300 SH   DFND   300 0 0
UNION PAC CORP COM COMMON STOCK 907818108 4,876,174 23,549 SH   SOLE   23,258 253 38
UNION PAC CORP COM COMMON STOCK 907818108 25,883 125 SH   DFND   125 0 0
UNITED PARCEL SERVICE COM COMMON STOCK 911312106 1,823,354 10,489 SH   SOLE   10,287 149 53
UNITED PARCEL SERVICE COM COMMON STOCK 911312106 191,224 1,100 SH   DFND   1,100 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102 15,848,181 29,893 SH   SOLE   29,509 189 195
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102 69,980 132 SH   DFND   132 0 0
VF CORP COM COMMON STOCK 918204108 929,618 33,672 SH   SOLE   32,031 1,075 566
VF CORP COM COMMON STOCK 918204108 18,995 688 SH   DFND   688 0 0
VALERO ENERGY NEW COM COMMON STOCK 91913Y100 6,588,389 51,935 SH   SOLE   51,707 81 147
VALERO ENERGY NEW COM COMMON STOCK 91913Y100 1,268 10 SH   DFND   10 0 0
VANGUARD INTERMEDIATE-TERM ETF FIXED TAXABLE 921937819 14,267,261 191,998 SH   SOLE   187,848 2,724 1,426
VANGUARD INTERMEDIATE-TERM ETF FIXED TAXABLE 921937819 48,301 650 SH   DFND   650 0 0
VANGUARD S/T BOND INDEX ETF ETF FIXED TAXABLE 921937827 12,156,560 161,485 SH   SOLE   158,099 0 3,386
VANGUARD FTSE DEV MARKET ETF ETF INTERNATIONAL 921943858 207,288 4,939 SH   SOLE   4,939 0 0
VANGUARD W HIGH DIV YIELD ETF ETF LARGE CAP/MULTI-CAP 921946406 4,185,868 38,683 SH   SOLE   38,575 108 0
VANGUARD W HIGH DIV YIELD ETF ETF LARGE CAP/MULTI-CAP 921946406 54,105 500 SH   DFND   500 0 0
VANGUARD TOTAL INTL BD IDX ETF ETF FIXED TAXABLE 92203J407 5,928,641 125,000 SH   SOLE   122,684 1,459 857
VANGUARD TOTAL INTL BD IDX ETF ETF FIXED TAXABLE 92203J407 141,673 2,987 SH   DFND   2,987 0 0
VANGUARD INFO TECH ETF COMMON STOCK 92204A702 17,273,144 54,080 SH   SOLE   54,080 0 0
VANGUARD INFO TECH ETF COMMON STOCK 92204A702 54,298 170 SH   DFND   170 0 0
VANGUARD FTSE ALL WRLD EX US ETF ETF INTERNATIONAL 922042775 1,241,368 24,763 SH   SOLE   24,763 0 0
VANGUARD INTER-TERM CORP ETF FIXED TAXABLE 92206C870 400,570 5,168 SH   SOLE   5,168 0 0
VANGUARD TAX- EXEMPT BOND ETF FIXED TAX FREE 922907746 776,993 15,700 SH   SOLE   15,700 0 0
VANGUARD I S&P 500 COM ETF LARGE CAP/MULTI-CAP 922908363 12,525,605 35,652 SH   SOLE   35,547 0 105
VANGUARD I S&P 500 COM ETF LARGE CAP/MULTI-CAP 922908363 194,988 555 SH   DFND   555 0 0
VANGUARD REIT INDEX ETF ETF REAL ESTATE 922908553 9,432,989 114,382 SH   SOLE   112,370 1,799 213
VANGUARD REIT INDEX ETF ETF REAL ESTATE 922908553 154,465 1,873 SH   DFND   1,873 0 0
VANGUARD MID-CAP INDEX ETF ETF MID CAP 922908629 5,006,787 24,566 SH   SOLE   24,566 0 0
VANGUARD I LARGE CAP ETF ETF LARGE CAP/MULTI-CAP 922908637 1,440,284 8,268 SH   SOLE   8,268 0 0
VANGUARD I EXTENDED MARKET ETF ETF LARGE CAP/MULTI-CAP 922908652 425,815 3,205 SH   SOLE   3,205 0 0
VANGUARD SMALL-CAP ETF ETF SMALL CAP 922908751 4,765,425 25,964 SH   SOLE   25,964 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 5,002,885 127,012 SH   SOLE   126,223 539 250
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 87,642 2,225 SH   DFND   2,225 0 0
VISA COM COMMON STOCK 92826C839 14,575,477 70,156 SH   SOLE   69,521 415 220
VISA COM COMMON STOCK 92826C839 161,219 776 SH   DFND   776 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 7,086,114 49,977 SH   SOLE   48,914 821 242
WAL MART STORES INC COM COMMON STOCK 931142103 138,527 977 SH   DFND   977 0 0
WASTE MANAGEMENT INC COM COMMON STOCK 94106L109 384,355 2,450 SH   SOLE   2,450 0 0
YETI HOLDINGS INC COMMON STOCK 98585X104 254,096 6,151 SH   SOLE   6,001 0 150
YETI HOLDINGS INC COMMON STOCK 98585X104 26,231 635 SH   DFND   635 0 0