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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: 09-30-2023
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: 7657471315
Signature, Place, and Date of Signing:
Candy Shannon Muncie,  IN 10-23-2023
[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: 331
Form 13F Information Table Value Total: 1,122,032,552
(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 14,001,151 45,592 SH   SOLE   44,842 516 234
ACCENTURE PLC ADR FOREIGN EQUITIES G1151C101 87,830 286 SH   DFND   286 0 0
LINDE PLC COM COMMON STOCK G54950103 7,272,052 19,531 SH   SOLE   19,053 355 123
LINDE PLC COM COMMON STOCK G54950103 3,723 10 SH   DFND   10 0 0
ALCON INC COM FOREIGN EQUITIES H01301128 3,279,454 42,558 SH   SOLE   42,427 0 131
CHUBB LIMITED ADR FOREIGN EQUITIES H1467J104 9,659,997 46,403 SH   SOLE   45,786 442 175
CHUBB LIMITED ADR FOREIGN EQUITIES H1467J104 188,816 907 SH   DFND   907 0 0
AFLAC INC COM COMMON STOCK 001055102 451,595 5,884 SH   SOLE   5,884 0 0
AT&T INC COM COMMON STOCK 00206R102 254,871 16,969 SH   SOLE   16,969 0 0
ABBOTT LABS COM COMMON STOCK 002824100 7,807,751 80,618 SH   SOLE   79,335 900 383
ABBOTT LABS COM COMMON STOCK 002824100 139,851 1,444 SH   DFND   1,444 0 0
ABBVIE INC COM COMMON STOCK 00287Y109 3,504,535 23,511 SH   SOLE   23,511 0 0
ABBVIE INC COM COMMON STOCK 00287Y109 178,872 1,200 SH   DFND   1,200 0 0
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101 8,282,530 16,244 SH   SOLE   15,448 737 59
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101 30,592 60 SH   DFND   60 0 0
ALEXANDRIA RE EQUITIES INC COM REAL ESTATE INVESTMENT TRUST 015271109 1,163,571 11,625 SH   SOLE   11,572 29 24
ALEXANDRIA RE EQUITIES INC COM REAL ESTATE INVESTMENT TRUST 015271109 600 6 SH   DFND   6 0 0
ALLIANT CORP COM COMMON STOCK 018802108 3,207,310 66,200 SH   SOLE   64,392 1,572 236
ALLIANT CORP COM COMMON STOCK 018802108 128,877 2,660 SH   DFND   2,660 0 0
ALPHABET INC CL C COM COMMON STOCK 02079K107 2,044,993 15,510 SH   SOLE   15,370 0 140
ALPHABET INC CL C COM COMMON STOCK 02079K107 39,555 300 SH   DFND   300 0 0
ALPHABET CL A COM COMMON STOCK 02079K305 23,532,255 179,829 SH   SOLE   177,162 1,791 876
ALPHABET CL A COM COMMON STOCK 02079K305 174,043 1,330 SH   DFND   1,330 0 0
AMAZON INC COM COMMON STOCK 023135106 12,037,244 94,693 SH   SOLE   94,193 223 277
AMAZON INC COM COMMON STOCK 023135106 7,626 60 SH   DFND   60 0 0
AMERICAN TOWER CORP REIT REAL ESTATE INVESTMENT TRUST 03027X100 1,528,366 9,294 SH   SOLE   9,164 0 130
AMERICAN WATER CO INC COM COMMON STOCK 030420103 1,461,514 11,803 SH   SOLE   11,610 17 176
AMERICAN WATER CO INC COM COMMON STOCK 030420103 2,228 18 SH   DFND   18 0 0
CENCORA, INC COM COMMON STOCK 03073E105 576,430 3,203 SH   SOLE   3,184 19 0
CENCORA, INC COM COMMON STOCK 03073E105 15,657 87 SH   DFND   87 0 0
AMERIPRISE FINANCIAL COM COMMON STOCK 03076C106 6,098,161 18,498 SH   SOLE   18,121 313 64
AMERIPRISE FINANCIAL COM COMMON STOCK 03076C106 31,977 97 SH   DFND   97 0 0
AMETEK INC COM COMMON STOCK 031100100 2,775,450 18,784 SH   SOLE   18,670 69 45
AMETEK INC COM COMMON STOCK 031100100 2,216 15 SH   DFND   15 0 0
AMGEN INC COM COMMON STOCK 031162100 3,561,588 13,252 SH   SOLE   13,252 0 0
AMGEN INC COM COMMON STOCK 031162100 1,612 6 SH   DFND   6 0 0
AMPHENOL CORPORATION COM COMMON STOCK 032095101 10,681,202 127,174 SH   SOLE   126,415 219 540
AMPHENOL CORPORATION COM COMMON STOCK 032095101 25,868 308 SH   DFND   308 0 0
ANSYS, INC. COM COMMON STOCK 03662Q105 1,402,846 4,715 SH   SOLE   4,633 25 57
ELEVANCE HEALTH INC COM COMMON STOCK 036752103 698,395 1,604 SH   SOLE   1,604 0 0
APPLE INC COM COMMON STOCK 037833100 37,308,188 217,910 SH   SOLE   215,711 1,380 819
APPLE INC COM COMMON STOCK 037833100 711,716 4,157 SH   DFND   4,157 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103 12,532,347 52,093 SH   SOLE   51,104 690 299
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103 165,037 686 SH   DFND   686 0 0
BALL CORP COM COMMON STOCK 058498106 2,075,606 41,704 SH   SOLE   41,704 0 0
BECTON DICKINSON & CO COM COMMON STOCK 075887109 2,655,996 10,274 SH   SOLE   9,801 313 160
BECTON DICKINSON & CO COM COMMON STOCK 075887109 79,363 307 SH   DFND   307 0 0
BERKSHIRE HATHAWAY CL A COM COMMON STOCK 084670108 531,477 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY CL B COM COMMON STOCK 084670702 8,952,205 25,557 SH   SOLE   25,421 36 100
BERKSHIRE HATHAWAY CL B COM COMMON STOCK 084670702 96,679 276 SH   DFND   276 0 0
BLACKROCK INC COM COMMON STOCK 09247X101 7,180,958 11,108 SH   SOLE   11,034 15 59
BLACKROCK INC COM COMMON STOCK 09247X101 18,101 28 SH   DFND   28 0 0
BRISTOL-MYERS SQUIBB COM COMMON STOCK 110122108 240,285 4,140 SH   SOLE   4,140 0 0
BROADCOM INC NPV COM COMMON STOCK 11135F101 18,120,576 21,817 SH   SOLE   21,696 17 104
BROADCOM INC NPV COM COMMON STOCK 11135F101 51,495 62 SH   DFND   62 0 0
BROWN & BROWN INC COM COMMON STOCK 115236101 2,265,443 32,438 SH   SOLE   30,438 2,000 0
BROWN & BROWN INC COM COMMON STOCK 115236101 47,490 680 SH   DFND   680 0 0
CME GROUP COM COMMON STOCK 12572Q105 262,288 1,310 SH   SOLE   1,310 0 0
CVS CORPORATION DELAWARE COM COMMON STOCK 126650100 2,612,120 37,418 SH   SOLE   37,293 0 125
CANADIAN NATIONAL RAILWAY ADR FOREIGN EQUITIES 136375102 2,954,577 27,274 SH   SOLE   27,209 0 65
CASEY'S GENERAL STORE COM COMMON STOCK 147528103 1,828,334 6,734 SH   SOLE   6,734 0 0
CATERPILLAR INC. COM COMMON STOCK 149123101 4,598,958 16,846 SH   SOLE   16,746 0 100
CHARLES RIV LABS INTL INC COM COMMON STOCK 159864107 292,204 1,491 SH   SOLE   1,491 0 0
CHEVRON CORP COM COMMON STOCK 166764100 8,397,402 49,801 SH   SOLE   49,311 400 90
CHEVRON CORP COM COMMON STOCK 166764100 101,172 600 SH   DFND   600 0 0
CISCO SYSTEMS COM COMMON STOCK 17275R102 7,605,067 141,491 SH   SOLE   139,471 1,660 360
CISCO SYSTEMS COM COMMON STOCK 17275R102 115,614 2,151 SH   DFND   2,151 0 0
COCA COLA CO COM COMMON STOCK 191216100 1,300,506 23,236 SH   SOLE   23,236 0 0
COCA COLA CO COM COMMON STOCK 191216100 22,388 400 SH   DFND   400 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103 498,976 7,017 SH   SOLE   7,017 0 0
COMCAST CORP CLASS A COM COMMON STOCK 20030N101 10,035,793 226,341 SH   SOLE   223,867 893 1,581
COMCAST CORP CLASS A COM COMMON STOCK 20030N101 27,312 616 SH   DFND   616 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104 5,198,394 43,393 SH   SOLE   42,664 596 133
CONOCOPHILLIPS COM COMMON STOCK 20825C104 59,900 500 SH   DFND   500 0 0
COPART INC COM COMMON STOCK 217204106 4,085,934 94,826 SH   SOLE   94,302 306 218
CORNING INC COM COMMON STOCK 219350105 415,794 13,651 SH   SOLE   13,389 62 200
CORNING INC COM COMMON STOCK 219350105 11,422 375 SH   DFND   375 0 0
CORTEVA INC COM COMMON STOCK 22052L104 4,131,319 80,771 SH   SOLE   80,128 137 506
CORTEVA INC COM COMMON STOCK 22052L104 30,331 593 SH   DFND   593 0 0
COSTCO WHOLESALE CORP COM COMMON STOCK 22160K105 14,654,613 25,940 SH   SOLE   25,561 240 139
COSTCO WHOLESALE CORP COM COMMON STOCK 22160K105 100,558 178 SH   DFND   178 0 0
CULLEN FROST BANKERS COM COMMON STOCK 229899109 4,387,923 48,110 SH   SOLE   47,829 74 207
CULLEN FROST BANKERS COM COMMON STOCK 229899109 15,504 170 SH   DFND   170 0 0
CUMMINS INC COM COMMON STOCK 231021106 4,853,579 21,245 SH   SOLE   21,223 0 22
CUMMINS INC COM COMMON STOCK 231021106 46,148 202 SH   DFND   202 0 0
DANAHER CORP COM COMMON STOCK 235851102 9,474,541 38,189 SH   SOLE   37,379 699 111
DANAHER CORP COM COMMON STOCK 235851102 121,569 490 SH   DFND   490 0 0
DEERE & CO COM COMMON STOCK 244199105 478,892 1,269 SH   SOLE   1,269 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 ETF LARGE CAP/MULTI-CAP 25434V708 1,008,359 38,487 SH   SOLE   38,487 0 0
DISNEY WALT COMPANY COM COMMON STOCK 254687106 2,748,525 33,913 SH   SOLE   33,137 486 290
DISNEY WALT COMPANY COM COMMON STOCK 254687106 19,369 239 SH   DFND   239 0 0
DOMINION RESOURCES INC NEW COM COMMON STOCK 25746U109 686,104 15,363 SH   SOLE   15,188 0 175
DUPONT DE NUMOURS INC COM COMMON STOCK 26614N102 213,689 2,865 SH   SOLE   2,865 0 0
DUPONT DE NUMOURS INC COM COMMON STOCK 26614N102 12,381 166 SH   DFND   166 0 0
EOG RESOURCES INC COM COMMON STOCK 26875P101 8,050,385 63,510 SH   SOLE   62,290 566 654
EOG RESOURCES INC COM COMMON STOCK 26875P101 14,197 112 SH   DFND   112 0 0
ECOLAB INC COM COMMON STOCK 278865100 948,978 5,602 SH   SOLE   5,117 350 135
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108 5,318,554 76,771 SH   SOLE   76,547 136 88
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108 18,220 263 SH   DFND   263 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104 2,830,317 29,309 SH   SOLE   29,139 0 170
EXTRA SPACE STORAGE REIT REAL ESTATE INVESTMENT TRUST 30225T102 342,611 2,818 SH   SOLE   2,818 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102 3,252,592 27,663 SH   SOLE   26,863 700 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102 32,334 275 SH   DFND   275 0 0
FIRST MERCHANTS CORP COM COMMON STOCK 320817109 2,998,046 107,805 SH   SOLE   107,085 720 0
FIRST MERCHANTS CORP COM COMMON STOCK 320817109 86,211 3,100 SH   DFND   3,100 0 0
FORTINET INC COM COMMON STOCK 34959E109 6,143,925 104,705 SH   SOLE   103,737 453 515
FORTINET INC COM COMMON STOCK 34959E109 15,784 269 SH   DFND   269 0 0
FOX COM COMMON STOCK 35137L105 1,665,865 53,394 SH   SOLE   53,065 0 329
GENERAL MILLS COM COMMON STOCK 370334104 215,645 3,370 SH   SOLE   3,370 0 0
GENUINE PARTS CO COM COMMON STOCK 372460105 4,288,591 29,704 SH   SOLE   29,152 469 83
GENUINE PARTS CO COM COMMON STOCK 372460105 285,582 1,978 SH   DFND   1,978 0 0
GRACO INC COM COMMON STOCK 384109104 5,518,931 75,728 SH   SOLE   74,481 1,008 239
GRACO INC COM COMMON STOCK 384109104 39,282 539 SH   DFND   539 0 0
JACK HENRY & ASSOCIATES COM COMMON STOCK 426281101 1,268,345 8,392 SH   SOLE   8,347 0 45
JACK HENRY & ASSOCIATES COM COMMON STOCK 426281101 24,483 162 SH   DFND   162 0 0
HOME DEPOT INC COM COMMON STOCK 437076102 8,364,546 27,684 SH   SOLE   27,295 220 169
HOME DEPOT INC COM COMMON STOCK 437076102 76,140 252 SH   DFND   252 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106 5,870,770 31,779 SH   SOLE   31,254 323 202
HONEYWELL INTL INC COM COMMON STOCK 438516106 53,943 292 SH   DFND   292 0 0
HORMEL FOODS CORP COM COMMON STOCK 440452100 2,468,902 64,938 SH   SOLE   64,636 63 239
HORMEL FOODS CORP COM COMMON STOCK 440452100 21,251 559 SH   DFND   559 0 0
HUNTINGTON BANCSHARES INC COM COMMON STOCK 446150104 519,043 49,908 SH   SOLE   49,908 0 0
INTEL CORP COM COMMON STOCK 458140100 1,738,356 48,913 SH   SOLE   48,513 0 400
INVESCO ULTRA SHORT DURATIONEFT ETF FIXED TAXABLE 46090A887 21,019,671 422,933 SH   SOLE   417,005 5,160 768
INVESCO ULTRA SHORT DURATIONEFT ETF FIXED TAXABLE 46090A887 496,701 9,994 SH   DFND   9,994 0 0
INVESCO S&P 5OO EQ WEIGHT ETF ETF LARGE CAP/MULTI-CAP 46137V357 2,149,129 15,168 SH   SOLE   14,886 282 0
INVESCO S&P 5OO EQ WEIGHT ETF ETF LARGE CAP/MULTI-CAP 46137V357 113,918 804 SH   DFND   804 0 0
DOW JONES SELECT DIVIDEND ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287168 469,848 4,365 SH   SOLE   3,865 500 0
S&P 500 INDEX I SHARES ETF LARGE CAP/MULTI-CAP 464287200 1,266,785 2,950 SH   SOLE   2,950 0 0
BARCLAYS AGGREGATE BOND ETF ISHARES ETF FIXED TAXABLE 464287226 50,866,410 540,903 SH   SOLE   530,810 8,575 1,518
BARCLAYS AGGREGATE BOND ETF ISHARES ETF FIXED TAXABLE 464287226 861,500 9,161 SH   DFND   9,161 0 0
MSCI EMERGING MARKET INDEX ETF ISHARES ETF EMERGING MARKET 464287234 1,437,642 37,883 SH   SOLE   37,633 250 0
MSCI EMERGING MARKET INDEX ETF ISHARES ETF EMERGING MARKET 464287234 85,577 2,255 SH   DFND   2,255 0 0
S&P 500 GROWTH ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287309 21,337,358 311,860 SH   SOLE   307,083 4,571 206
S&P 500 GROWTH ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287309 766,577 11,204 SH   DFND   11,204 0 0
S&P 500 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287408 13,505,676 87,791 SH   SOLE   87,032 698 61
S&P 500 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287408 259,528 1,687 SH   DFND   1,687 0 0
MSCI EAFE ETF ISHARES ETF INTERNATIONAL 464287465 121,573 1,764 SH   SOLE   1,764 0 0
MSCI EAFE ETF ISHARES ETF INTERNATIONAL 464287465 202,831 2,943 SH   DFND   2,943 0 0
RUSSELL MID CAP GROWTH INDEXISHARES ETF ETF MID CAP 464287481 5,386,280 58,964 SH   SOLE   57,939 968 57
RUSSELL MID CAP GROWTH INDEXISHARES ETF ETF MID CAP 464287481 164,430 1,800 SH   DFND   1,800 0 0
RUSSELL MID CAP INDEX ISHARES ETF ETF MID CAP 464287499 6,455,230 93,217 SH   SOLE   93,217 0 0
S&P MID CAP 400 ETF ISHARES ETF MID CAP 464287507 4,344,139 17,422 SH   SOLE   17,232 190 0
S&P MID CAP 400 ETF ISHARES ETF MID CAP 464287507 104,228 418 SH   DFND   418 0 0
NASDAQ BIOTECH INDEX ETF COMMON STOCK 464287556 1,262,265 10,322 SH   SOLE   9,547 675 100
RUSSELL 1000 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287598 2,685,240 17,687 SH   SOLE   17,687 0 0
S&P MID-CAP 400 GROWTH ETF ISHARES ETF MID CAP 464287606 13,334,074 184,581 SH   SOLE   181,288 2,837 456
S&P MID-CAP 400 GROWTH ETF ISHARES ETF MID CAP 464287606 133,426 1,847 SH   DFND   1,847 0 0
RUSSELL 1000 GROWTH ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287614 309,864 1,165 SH   SOLE   1,165 0 0
RUSSELL 200 GROWTH ETF ETF LARGE CAP/MULTI-CAP 464287648 303,499 1,354 SH   SOLE   1,354 0 0
RUSSELL 2000 INDEX ETF ISHARES ETF SMALL CAP 464287655 7,319,615 41,415 SH   SOLE   40,730 420 265
S&P MID-CAP 400 VALUE ETF ISHARES ETF MID CAP 464287705 14,933,215 147,957 SH   SOLE   146,141 1,322 494
S&P MID-CAP 400 VALUE ETF ISHARES ETF MID CAP 464287705 213,263 2,113 SH   DFND   2,113 0 0
US TELECOMM ISHARES ETF COMMON STOCK 464287713 407,891 19,162 SH   SOLE   18,939 178 45
US TECHNOLOGY ISHARES ETF COMMON STOCK 464287721 24,106,003 229,757 SH   SOLE   226,796 2,318 643
US TECHNOLOGY ISHARES ETF COMMON STOCK 464287721 929,591 8,860 SH   DFND   8,860 0 0
ISHARES TR US INDUSTRIALS ETF LARGE CAP/MULTI-CAP 464287754 151,129 1,498 SH   SOLE   1,370 128 0
ISHARES TR US INDUSTRIALS ETF LARGE CAP/MULTI-CAP 464287754 60,534 600 SH   DFND   600 0 0
ISHARES TR US HLTHCARE ETF ETF LARGE CAP/MULTI-CAP 464287762 222,265 823 SH   SOLE   763 60 0
ISHARES TR US HLTHCARE ETF ETF LARGE CAP/MULTI-CAP 464287762 207,143 767 SH   DFND   767 0 0
ISHARES TR U.S. FINLS ETF ETF LARGE CAP/MULTI-CAP 464287788 149,816 2,004 SH   SOLE   2,004 0 0
ISHARES TR U.S. FINLS ETF ETF LARGE CAP/MULTI-CAP 464287788 97,188 1,300 SH   DFND   1,300 0 0
S&P SMALL CAP 600 CORE ETF ISHARES ETF SMALL CAP 464287804 29,126,879 308,779 SH   SOLE   304,142 4,204 433
S&P SMALL CAP 600 CORE ETF ISHARES ETF SMALL CAP 464287804 428,729 4,545 SH   DFND   4,545 0 0
ISHARES TR U.S. CNSM GD ETF ETF LARGE CAP/MULTI-CAP 464287812 237,239 1,272 SH   SOLE   1,220 52 0
S&P SMALL CAP 600 VALUE ETF ISHARES ETF SMALL CAP 464287879 4,434,018 49,698 SH   SOLE   49,064 492 142
S&P SMALL CAP 600 VALUE ETF ISHARES ETF SMALL CAP 464287879 29,621 332 SH   DFND   332 0 0
S&P SMALL CAP 600 GROWTH ETF ISHARES ETF SMALL CAP 464287887 4,264,327 38,880 SH   SOLE   38,682 92 106
S&P SMALL CAP 600 GROWTH ETF ISHARES ETF SMALL CAP 464287887 52,206 476 SH   DFND   476 0 0
JPM EMERGING MARKETS ISHARES ETF FIXED TAXABLE 464288281 3,061,560 37,102 SH   SOLE   36,437 537 128
JPM EMERGING MARKETS ISHARES ETF FIXED TAXABLE 464288281 139,376 1,689 SH   DFND   1,689 0 0
ISHARES TR INTL SEL DIV ETF ETF INTERNATIONAL 464288448 404,051 15,914 SH   SOLE   15,914 0 0
ISHARES PREFERRED & INC ETF ETF PREFERRED 464288687 562,043 18,648 SH   SOLE   18,648 0 0
ISHARES TR CORE MSCI EAFE ETF INTERNATIONAL 46432F842 139,059 2,161 SH   SOLE   2,161 0 0
ISHARES TR CORE MSCI EAFE ETF INTERNATIONAL 46432F842 96,525 1,500 SH   DFND   1,500 0 0
MSCI EMERGING MKTS CORE ISHARES ETF EMERGING MARKET 46434G103 2,943,253 61,848 SH   SOLE   60,489 1,273 86
LC CORE DVD GROWTH ETF LARGE CAP/MULTI-CAP 46434V621 290,582 5,868 SH   SOLE   5,868 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100 8,065,382 55,616 SH   SOLE   55,356 0 260
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100 72,510 500 SH   DFND   500 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104 12,170,923 78,145 SH   SOLE   76,913 790 442
JOHNSON & JOHNSON COM COMMON STOCK 478160104 316,171 2,030 SH   DFND   2,030 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 2,255,278 18,662 SH   SOLE   18,262 400 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103 217,530 1,800 SH   DFND   1,800 0 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 6,892,785 39,587 SH   SOLE   38,662 570 355
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109 64,422 370 SH   DFND   370 0 0
LA-Z BOY INC COM COMMON STOCK 505336107 696,713 22,562 SH   SOLE   22,562 0 0
LAM RESEARCH CORP COM COMMON STOCK 512807108 10,749,563 17,151 SH   SOLE   17,050 36 65
LAM RESEARCH CORP COM COMMON STOCK 512807108 59,542 95 SH   DFND   95 0 0
LILLY ELI & CO COM COMMON STOCK 532457108 12,721,752 23,685 SH   SOLE   23,426 127 132
LILLY ELI & CO COM COMMON STOCK 532457108 14,166,801 26,375 SH   DFND   26,375 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 5,357,928 13,102 SH   SOLE   12,844 177 81
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109 46,618 114 SH   DFND   114 0 0
LOWE'S COMPANIES INC COM COMMON STOCK 548661107 14,064,154 67,669 SH   SOLE   66,883 329 457
LOWE'S COMPANIES INC COM COMMON STOCK 548661107 95,605 460 SH   DFND   460 0 0
MARKETTAXESS HOLDINGS INC COM COMMON STOCK 57060D108 406,981 1,905 SH   SOLE   1,905 0 0
MARKETTAXESS HOLDINGS INC COM COMMON STOCK 57060D108 32,046 150 SH   DFND   150 0 0
MCDONALDS CORP COM COMMON STOCK 580135101 4,157,772 15,783 SH   SOLE   15,716 43 24
MCDONALDS CORP COM COMMON STOCK 580135101 80,876 307 SH   DFND   307 0 0
MERCK & CO INC COM COMMON STOCK 58933Y105 523,395 5,084 SH   SOLE   5,084 0 0
MICROSOFT CORP COM COMMON STOCK 594918104 30,494,331 96,578 SH   SOLE   94,930 1,200 448
MICROSOFT CORP COM COMMON STOCK 594918104 502,356 1,591 SH   DFND   1,591 0 0
MICROCHIP TECHNOLOGY COM COMMON STOCK 595017104 7,860,993 100,732 SH   SOLE   97,717 2,211 804
MICROCHIP TECHNOLOGY COM COMMON STOCK 595017104 189,247 2,425 SH   DFND   2,425 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 4,714,277 82,290 SH   SOLE   80,905 1,140 245
NEXTERA ENERGY INC COM COMMON STOCK 65339F101 237,581 4,147 SH   DFND   4,147 0 0
NIKE INC CL B COM COMMON STOCK 654106103 1,034,411 10,818 SH   SOLE   10,691 0 127
NORTHERN TR CORP COM COMMON STOCK 665859104 777,757 11,196 SH   SOLE   11,071 0 125
NORTHERN TR CORP COM COMMON STOCK 665859104 14,241 205 SH   DFND   205 0 0
NUCOR CORP COM COMMON STOCK 670346105 1,696,841 10,853 SH   SOLE   10,700 28 125
NUCOR CORP COM COMMON STOCK 670346105 42,214 270 SH   DFND   270 0 0
NVIDIA CORP COM COMMON STOCK 67066G104 7,252,410 16,673 SH   SOLE   13,243 3,300 130
NUVEEN ENH AMT FR MUNI CRED CLOSED END FIXED TAX FREE 67071L106 132,792 12,880 SH   SOLE   12,880 0 0
O'REILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107 5,619,286 6,183 SH   SOLE   6,142 9 32
OMNICOM GROUP INC COM COMMON STOCK 681919106 4,193,690 56,315 SH   SOLE   55,052 1,047 216
OMNICOM GROUP INC COM COMMON STOCK 681919106 24,426 328 SH   DFND   328 0 0
OMNICELL INC COM COMMON STOCK 68213N109 317,214 7,043 SH   SOLE   7,043 0 0
ORACLE CORP COM COMMON STOCK 68389X105 1,459,782 13,782 SH   SOLE   13,627 0 155
ORACLE CORP COM COMMON STOCK 68389X105 15,888 150 SH   DFND   150 0 0
OUTLOOK THERAPEUTICS INC COMMON STOCK 69012T206 32,817 149,170 SH   SOLE   149,170 0 0
PALO ALTO NETWORKS INC COM COMMON STOCK 697435105 373,931 1,595 SH   SOLE   1,595 0 0
PEPSICO INC COM COMMON STOCK 713448108 17,721,222 104,588 SH   SOLE   103,587 678 323
PEPSICO INC COM COMMON STOCK 713448108 235,858 1,392 SH   DFND   1,392 0 0
PFIZER INC COM COMMON STOCK 717081103 5,291,299 159,573 SH   SOLE   158,209 294 1,070
PFIZER INC COM COMMON STOCK 717081103 89,165 2,689 SH   DFND   2,689 0 0
PHILLIPS 66 COM COMMON STOCK 718546104 1,619,254 13,477 SH   SOLE   13,477 0 0
PHILLIPS 66 COM COMMON STOCK 718546104 60,075 500 SH   DFND   500 0 0
POOL CORPORATION COM COMMON STOCK 73278L105 743,511 2,088 SH   SOLE   2,088 0 0
T. ROWE PRICE GROUP INC COM COMMON STOCK 74144T108 5,512,903 52,570 SH   SOLE   51,867 518 185
T. ROWE PRICE GROUP INC COM COMMON STOCK 74144T108 6,921 66 SH   DFND   66 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 8,649,809 59,303 SH   SOLE   58,368 880 55
PROCTER & GAMBLE CO COM COMMON STOCK 742718109 459,603 3,151 SH   DFND   3,151 0 0
PUBLIC STORAGE INC. CLASS A REIT REAL ESTATE INVESTMENT TRUST 74460D109 998,664 3,790 SH   SOLE   3,772 0 18
PUBLIC STORAGE INC. CLASS A REIT REAL ESTATE INVESTMENT TRUST 74460D109 1,581 6 SH   DFND   6 0 0
RAYTHEON TECHNOLOGIES COM COMMON STOCK 75513E101 4,688,125 65,141 SH   SOLE   63,927 1,148 66
RAYTHEON TECHNOLOGIES COM COMMON STOCK 75513E101 863 12 SH   DFND   12 0 0
REALTY INCOME CORP REIT REAL ESTATE INVESTMENT TRUST 756109104 1,738,386 34,819 SH   SOLE   34,108 64 647
REALTY INCOME CORP REIT REAL ESTATE INVESTMENT TRUST 756109104 2,645 53 SH   DFND   53 0 0
REPUBLIC SERVICES INC COM COMMON STOCK 760759100 285,020 2,000 SH   SOLE   2,000 0 0
ROPER INDS INC NEW COM COMMON STOCK 776696106 1,494,900 3,087 SH   SOLE   3,016 0 71
ROPER INDS INC NEW COM COMMON STOCK 776696106 5,326 11 SH   DFND   11 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104 3,432,849 9,395 SH   SOLE   9,257 28 110
S&P GLOBAL INC COM COMMON STOCK 78409V104 4,749 13 SH   DFND   13 0 0
S&P 500 ETF SPDR ETF LARGE CAP/MULTI-CAP 78462F103 5,792,633 13,551 SH   SOLE   13,551 0 0
S&P 500 ETF SPDR ETF LARGE CAP/MULTI-CAP 78462F103 2,810,614 6,575 SH   DFND   6,575 0 0
BARCLAYS CONVERITIBLE SEC ETF SPDR ETF FIXED TAXABLE 78464A359 620,278 9,150 SH   SOLE   9,150 0 0
S&P 400 MID-CAP ETF SPDR ETF MID CAP 78467Y107 8,240,925 18,047 SH   SOLE   17,646 401 0
S&P 400 MID-CAP ETF SPDR ETF MID CAP 78467Y107 212,337 465 SH   DFND   465 0 0
SALESFORCE.COM COM COMMON STOCK 79466L302 241,712 1,192 SH   SOLE   1,192 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108 7,002,216 120,130 SH   SOLE   118,600 502 1,028
SCHLUMBERGER LTD COM COMMON STOCK 806857108 4,080 70 SH   DFND   70 0 0
CHARLES SCHWAB CORP COM COMMON STOCK 808513105 7,193,688 131,035 SH   SOLE   130,236 246 553
CHARLES SCHWAB CORP COM COMMON STOCK 808513105 3,239 59 SH   DFND   59 0 0
SCHWAB INTERNATIONAL DVD ETF ETF INTERNATIONAL 808524672 5,285,400 229,800 SH   SOLE   229,800 0 0
SCHWAB INTERNATIONAL DVD ETF ETF INTERNATIONAL 808524672 52,693 2,291 SH   DFND   2,291 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF LARGE CAP/MULTI-CAP 808524797 10,576,999 149,478 SH   SOLE   149,478 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF LARGE CAP/MULTI-CAP 808524797 95,878 1,355 SH   DFND   1,355 0 0
MATERIALS SECTOR ETF SPDR COMMON STOCK 81369Y100 5,176,280 65,908 SH   SOLE   65,035 762 111
MATERIALS SECTOR ETF SPDR COMMON STOCK 81369Y100 102,572 1,306 SH   DFND   1,306 0 0
HEALTHCARE SECTOR ETF SPDR COMMON STOCK 81369Y209 9,260,288 71,931 SH   SOLE   71,050 824 57
HEALTHCARE SECTOR ETF SPDR COMMON STOCK 81369Y209 219,887 1,708 SH   DFND   1,708 0 0
CONSUMER STAPLES SECTOR ETF SPDR COMMON STOCK 81369Y308 7,232,888 105,116 SH   SOLE   103,891 1,058 167
CONSUMER STAPLES SECTOR ETF SPDR COMMON STOCK 81369Y308 215,856 3,137 SH   DFND   3,137 0 0
CONSUMER DISCRETION SECTOR ETF COMMON STOCK 81369Y407 5,498,963 34,160 SH   SOLE   33,642 409 109
CONSUMER DISCRETION SECTOR ETF COMMON STOCK 81369Y407 91,275 567 SH   DFND   567 0 0
ENERGY SECTOR ETF SPDR COMMON STOCK 81369Y506 3,407,131 37,695 SH   SOLE   37,300 375 20
ENERGY SECTOR ETF SPDR COMMON STOCK 81369Y506 124,738 1,380 SH   DFND   1,380 0 0
FINANCIAL SECTOR ETF SPDR COMMON STOCK 81369Y605 3,843,826 115,920 SH   SOLE   114,752 1,012 156
FINANCIAL SECTOR ETF SPDR COMMON STOCK 81369Y605 22,747 686 SH   DFND   686 0 0
INDUSTRIAL SECTOR ETF SPDR COMMON STOCK 81369Y704 2,518,281 24,841 SH   SOLE   24,624 190 27
TECHNOLOGY SELECT SECTOR ETF SPDR COMMON STOCK 81369Y803 5,534,730 33,763 SH   SOLE   33,680 0 83
COMM SERVICES SPDR COMMON STOCK 81369Y852 4,163,680 63,511 SH   SOLE   62,420 768 323
COMM SERVICES SPDR COMMON STOCK 81369Y852 40,515 618 SH   DFND   618 0 0
REAL ESTATE SELECT SEC ETF COMMON STOCK 81369Y860 1,094,459 32,134 SH   SOLE   32,134 0 0
UTILITIES SECTOR ETF COMMON STOCK 81369Y886 2,460,093 41,748 SH   SOLE   41,270 445 33
UTILITIES SECTOR ETF COMMON STOCK 81369Y886 47,144 800 SH   DFND   800 0 0
SERVICE NOW INC COM COMMON STOCK 81762P102 6,495,407 11,621 SH   SOLE   11,541 24 56
SERVICE NOW INC COM COMMON STOCK 81762P102 2,235 4 SH   DFND   4 0 0
SITEONE LANDSCAPE SUPPLY INCCOM COMMON STOCK 82982L103 2,167,319 13,260 SH   SOLE   13,260 0 0
SITEONE LANDSCAPE SUPPLY INCCOM COMMON STOCK 82982L103 162,632 995 SH   DFND   995 0 0
THE J.M. SMUCKER COMPANY COM COMMON STOCK 832696405 1,521,095 12,376 SH   SOLE   11,953 423 0
THE J.M. SMUCKER COMPANY COM COMMON STOCK 832696405 30,480 248 SH   DFND   248 0 0
STARBUCKS CORP COM COMMON STOCK 855244109 2,778,141 30,439 SH   SOLE   30,229 0 210
STRYKER CORP COM COMMON STOCK 863667101 16,403,065 60,028 SH   SOLE   59,190 631 207
STRYKER CORP COM COMMON STOCK 863667101 119,140 436 SH   DFND   436 0 0
SYSCO CORP COM COMMON STOCK 871829107 607,568 9,200 SH   SOLE   8,300 900 0
TJX COS INC NEW COM COMMON STOCK 872540109 9,725,092 109,420 SH   SOLE   107,694 1,301 425
TJX COS INC NEW COM COMMON STOCK 872540109 36,885 415 SH   DFND   415 0 0
TESLA MOTORS INC COM COMMON STOCK 88160R101 525,462 2,100 SH   SOLE   2,100 0 0
TEXAS INSTRS INC COM COMMON STOCK 882508104 5,781,795 36,362 SH   SOLE   36,109 175 78
TEXAS INSTRS INC COM COMMON STOCK 882508104 19,399 122 SH   DFND   122 0 0
THERMO FISHER SCIENTIFIC INCCOM COMMON STOCK 883556102 368,484 728 SH   SOLE   728 0 0
TORO CO COM COMMON STOCK 891092108 382,340 4,601 SH   SOLE   4,601 0 0
TRUIST FINANCIAL COM COMMON STOCK 89832Q109 217,187 7,592 SH   SOLE   7,492 0 100
US BANCORP DEL COM COMMON STOCK 902973304 615,346 18,619 SH   SOLE   17,969 650 0
UNION PAC CORP COM COMMON STOCK 907818108 2,116,305 10,393 SH   SOLE   10,243 150 0
UNITED PARCEL SERVICE COM COMMON STOCK 911312106 187,348 1,202 SH   SOLE   1,152 0 50
UNITED PARCEL SERVICE COM COMMON STOCK 911312106 77,935 500 SH   DFND   500 0 0
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102 16,251,319 32,233 SH   SOLE   31,844 194 195
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102 46,385 92 SH   DFND   92 0 0
VF CORP COM COMMON STOCK 918204108 205,908 11,661 SH   SOLE   11,538 50 73
VF CORP COM COMMON STOCK 918204108 3,320 188 SH   DFND   188 0 0
VALERO ENERGY NEW COM COMMON STOCK 91913Y100 2,323,470 16,396 SH   SOLE   16,396 0 0
VANGUARD INTERMEDIATE-TERM ETF FIXED TAXABLE 921937819 13,402,979 185,356 SH   SOLE   181,698 3,126 532
VANGUARD INTERMEDIATE-TERM ETF FIXED TAXABLE 921937819 98,992 1,369 SH   DFND   1,369 0 0
VANGUARD S/T BOND INDEX ETF ETF FIXED TAXABLE 921937827 9,564,532 127,239 SH   SOLE   127,239 0 0
VANGUARD S/T BOND INDEX ETF ETF FIXED TAXABLE 921937827 995,852 13,248 SH   DFND   13,248 0 0
VANGUARD W HIGH DIV YIELD ETF ETF LARGE CAP/MULTI-CAP 921946406 4,183,825 40,494 SH   SOLE   40,390 104 0
VANGUARD TOTAL INTL BD IDX ETF ETF FIXED TAXABLE 92203J407 5,805,957 121,415 SH   SOLE   119,689 1,355 371
VANGUARD TOTAL INTL BD IDX ETF ETF FIXED TAXABLE 92203J407 142,838 2,987 SH   DFND   2,987 0 0
VANGUARD INFO TECH ETF COMMON STOCK 92204A702 21,431,507 51,656 SH   SOLE   51,631 0 25
VANGUARD INFO TECH ETF COMMON STOCK 92204A702 8,297 20 SH   DFND   20 0 0
VANGUARD FTSE ALL WRLD EX US ETF ETF INTERNATIONAL 922042775 1,265,384 24,400 SH   SOLE   24,400 0 0
VANGUARD S/T CORP ETF FIXED TAXABLE 92206C409 203,580 2,709 SH   SOLE   2,709 0 0
VANGUARD INTER-TERM CORP ETF FIXED TAXABLE 92206C870 482,256 6,348 SH   SOLE   6,348 0 0
VANGUARD TAX- EXEMPT BOND ETF FIXED TAX FREE 922907746 687,687 14,300 SH   SOLE   14,300 0 0
VANGUARD I S&P 500 COM ETF LARGE CAP/MULTI-CAP 922908363 14,675,580 37,371 SH   SOLE   37,371 0 0
VANGUARD I S&P 500 COM ETF LARGE CAP/MULTI-CAP 922908363 392,700 1,000 SH   DFND   1,000 0 0
VANGUARD REIT INDEX ETF ETF REAL ESTATE 922908553 7,026,324 92,880 SH   SOLE   91,958 922 0
VANGUARD REIT INDEX ETF ETF REAL ESTATE 922908553 114,836 1,518 SH   DFND   1,518 0 0
VANGUARD MID-CAP INDEX ETF ETF MID CAP 922908629 4,824,086 23,166 SH   SOLE   23,166 0 0
VANGUARD I LARGE CAP ETF ETF LARGE CAP/MULTI-CAP 922908637 1,457,106 7,446 SH   SOLE   7,446 0 0
VANGUARD I EXTENDED MARKET ETF ETF LARGE CAP/MULTI-CAP 922908652 438,587 3,060 SH   SOLE   3,060 0 0
VANGUARD SMALL-CAP ETF ETF SMALL CAP 922908751 4,750,937 25,128 SH   SOLE   25,128 0 0
US TOTAL STOCK MARKET INDEX ETF VANGUARD ETF LARGE CAP/MULTI-CAP 922908769 307,993 1,450 SH   SOLE   1,450 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 3,622,597 111,811 SH   SOLE   111,447 114 250
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104 33,210 1,025 SH   DFND   1,025 0 0
VISA COM COMMON STOCK 92826C839 15,857,878 68,945 SH   SOLE   68,273 445 227
VISA COM COMMON STOCK 92826C839 66,931 291 SH   DFND   291 0 0
WAL MART STORES INC COM COMMON STOCK 931142103 8,499,329 53,145 SH   SOLE   52,182 721 242
WAL MART STORES INC COM COMMON STOCK 931142103 47,178 295 SH   DFND   295 0 0
WASTE MANAGEMENT INC COM COMMON STOCK 94106L109 334,453 2,194 SH   SOLE   2,194 0 0