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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
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 03-31-2024
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
CRD Number (if applicable):
SEC File Number (if applicable):

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 04-15-2024
[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: 336
Form 13F Information Table Value Total: 1,329,878,098
(round to nearest dollar)
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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC ADR FOREIGN EQUITIES G1151C101   16,188,171 46,706 SH   SOLE   45,957 515 234
ACCENTURE PLC ADR FOREIGN EQUITIES G1151C101   103,286 298 SH   DFND   298 0 0
EATON CORP ADR FOREIGN EQUITIES G29183103   719,136 2,300 SH   SOLE   2,300 0 0
LINDE PLC COM COMMON STOCK G54950103   9,668,874 20,824 SH   SOLE   20,347 354 123
LINDE PLC COM COMMON STOCK G54950103   6,500 14 SH   DFND   14 0 0
ALCON INC COM FOREIGN EQUITIES H01301128   1,941,365 23,309 SH   SOLE   23,178 0 131
CHUBB LIMITED ADR FOREIGN EQUITIES H1467J104   12,121,373 46,778 SH   SOLE   46,163 440 175
CHUBB LIMITED ADR FOREIGN EQUITIES H1467J104   238,136 919 SH   DFND   919 0 0
AFLAC INC COM COMMON STOCK 001055102   475,063 5,533 SH   SOLE   5,533 0 0
ALLERIAN MLP ETF ETF SPECIALITY 00162Q452   905,678 19,087 SH   SOLE   19,087 0 0
AT&T INC COM COMMON STOCK 00206R102   273,328 15,539 SH   SOLE   15,539 0 0
ABBOTT LABS COM COMMON STOCK 002824100   7,688,115 67,642 SH   SOLE   66,359 900 383
ABBOTT LABS COM COMMON STOCK 002824100   164,125 1,444 SH   DFND   1,444 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   5,320,763 29,219 SH   SOLE   29,219 0 0
ABBVIE INC COM COMMON STOCK 00287Y109   36,420 200 SH   DFND   200 0 0
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101   7,121,146 14,113 SH   SOLE   13,340 724 49
ADOBE SYSTEMS INC COM COMMON STOCK 00724F101   32,796 65 SH   DFND   65 0 0
ALLIANT CORP COM COMMON STOCK 018802108   3,617,646 71,780 SH   SOLE   69,975 1,569 236
ALLIANT CORP COM COMMON STOCK 018802108   135,978 2,698 SH   DFND   2,698 0 0
ALPHABET INC CL C COM COMMON STOCK 02079K107   2,486,249 16,329 SH   SOLE   16,189 0 140
ALPHABET INC CL C COM COMMON STOCK 02079K107   45,678 300 SH   DFND   300 0 0
ALPHABET CL A COM COMMON STOCK 02079K305   30,225,191 200,261 SH   SOLE   197,560 1,785 916
ALPHABET CL A COM COMMON STOCK 02079K305   208,733 1,383 SH   DFND   1,383 0 0
AMAZON INC COM COMMON STOCK 023135106   20,784,115 115,225 SH   SOLE   114,730 218 277
AMAZON INC COM COMMON STOCK 023135106   19,480 108 SH   DFND   108 0 0
AMERICAN ELECTRIC POWER CO COM COMMON STOCK 025537101   327,261 3,801 SH   SOLE   3,801 0 0
AMERICAN WATER CO INC COM COMMON STOCK 030420103   2,081,808 17,035 SH   SOLE   16,936 17 82
CENCORA, INC COM COMMON STOCK 03073E105   747,665 3,077 SH   SOLE   3,058 19 0
CENCORA, INC COM COMMON STOCK 03073E105   21,140 87 SH   DFND   87 0 0
AMERIPRISE FINANCIAL COM COMMON STOCK 03076C106   6,441,506 14,692 SH   SOLE   14,315 313 64
AMERIPRISE FINANCIAL COM COMMON STOCK 03076C106   35,075 80 SH   DFND   80 0 0
AMETEK INC COM COMMON STOCK 031100100   4,990,679 27,287 SH   SOLE   27,173 69 45
AMETEK INC COM COMMON STOCK 031100100   8,229 45 SH   DFND   45 0 0
AMGEN INC COM COMMON STOCK 031162100   3,527,260 12,406 SH   SOLE   12,406 0 0
AMGEN INC COM COMMON STOCK 031162100   1,705 6 SH   DFND   6 0 0
AMPHENOL CORPORATION COM COMMON STOCK 032095101   15,086,484 130,790 SH   SOLE   130,037 213 540
AMPHENOL CORPORATION COM COMMON STOCK 032095101   41,524 360 SH   DFND   360 0 0
ANSYS, INC. COM COMMON STOCK 03662Q105   2,818,063 8,118 SH   SOLE   8,016 24 78
ANSYS, INC. COM COMMON STOCK 03662Q105   3,470 10 SH   DFND   10 0 0
ELEVANCE HEALTH INC COM COMMON STOCK 036752103   820,313 1,582 SH   SOLE   1,582 0 0
APPLE INC COM COMMON STOCK 037833100   39,562,671 230,714 SH   SOLE   228,518 1,377 819
APPLE INC COM COMMON STOCK 037833100   717,982 4,187 SH   DFND   4,187 0 0
APPLIED MATLS INC COM COMMON STOCK 038222105   643,019 3,118 SH   SOLE   3,118 0 0
ASTRAZENECA ADR FOREIGN EQUITIES 046353108   4,119,297 60,803 SH   SOLE   60,151 140 512
ASTRAZENECA ADR FOREIGN EQUITIES 046353108   3,793 56 SH   DFND   56 0 0
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103   12,701,094 50,858 SH   SOLE   49,870 689 299
AUTOMATIC DATA PROCESSING COM COMMON STOCK 053015103   172,819 692 SH   DFND   692 0 0
BALL CORP COM COMMON STOCK 058498106   2,818,947 41,849 SH   SOLE   41,849 0 0
BECTON DICKINSON & CO COM COMMON STOCK 075887109   2,131,988 8,616 SH   SOLE   8,168 313 135
BECTON DICKINSON & CO COM COMMON STOCK 075887109   73,738 298 SH   DFND   298 0 0
BERKSHIRE HATHAWAY CL A COM COMMON STOCK 084670108   634,440 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY CL B COM COMMON STOCK 084670702   12,305,217 29,263 SH   SOLE   29,128 35 100
BERKSHIRE HATHAWAY CL B COM COMMON STOCK 084670702   119,844 285 SH   DFND   285 0 0
BLACKROCK INC COM COMMON STOCK 09247X101   10,120,964 12,140 SH   SOLE   12,053 15 72
BLACKROCK INC COM COMMON STOCK 09247X101   26,677 32 SH   DFND   32 0 0
BOOKING HOLDINGS INC COM COMMON STOCK 09857L108   402,691 111 SH   SOLE   111 0 0
BRISTOL-MYERS SQUIBB COM COMMON STOCK 110122108   225,391 4,157 SH   SOLE   4,157 0 0
BROADCOM INC NPV COM COMMON STOCK 11135F101   29,117,748 21,969 SH   SOLE   21,842 17 110
BROADCOM INC NPV COM COMMON STOCK 11135F101   87,474 66 SH   DFND   66 0 0
BROWN & BROWN INC COM COMMON STOCK 115236101   2,690,257 30,732 SH   SOLE   28,732 2,000 0
BROWN & BROWN INC COM COMMON STOCK 115236101   59,526 680 SH   DFND   680 0 0
CME GROUP COM COMMON STOCK 12572Q105   282,029 1,310 SH   SOLE   1,310 0 0
CVS CORPORATION DELAWARE COM COMMON STOCK 126650100   1,727,596 21,660 SH   SOLE   21,660 0 0
CANADIAN NATIONAL RAILWAY ADR FOREIGN EQUITIES 136375102   2,132,906 16,194 SH   SOLE   16,194 0 0
CASEY'S GENERAL STORE COM COMMON STOCK 147528103   1,852,361 5,817 SH   SOLE   5,817 0 0
CATERPILLAR INC. COM COMMON STOCK 149123101   6,207,868 16,942 SH   SOLE   16,842 0 100
CHARLES RIV LABS INTL INC COM COMMON STOCK 159864107   403,969 1,491 SH   SOLE   1,491 0 0
CHEVRON CORP COM COMMON STOCK 166764100   8,266,166 52,404 SH   SOLE   51,914 400 90
CHEVRON CORP COM COMMON STOCK 166764100   94,644 600 SH   DFND   600 0 0
CISCO SYSTEMS COM COMMON STOCK 17275R102   6,074,074 121,726 SH   SOLE   119,706 1,660 360
CISCO SYSTEMS COM COMMON STOCK 17275R102   103,092 2,066 SH   DFND   2,066 0 0
COCA COLA CO COM COMMON STOCK 191216100   1,800,883 29,436 SH   SOLE   29,436 0 0
COCA COLA CO COM COMMON STOCK 191216100   24,472 400 SH   DFND   400 0 0
COLGATE PALMOLIVE CO COM COMMON STOCK 194162103   564,342 6,267 SH   SOLE   6,267 0 0
COMCAST CORP CLASS A COM COMMON STOCK 20030N101   9,723,326 224,354 SH   SOLE   221,890 883 1,581
COMCAST CORP CLASS A COM COMMON STOCK 20030N101   30,552 705 SH   DFND   705 0 0
CONOCOPHILLIPS COM COMMON STOCK 20825C104   6,582,815 51,720 SH   SOLE   50,994 593 133
CONOCOPHILLIPS COM COMMON STOCK 20825C104   68,602 539 SH   DFND   539 0 0
COPART INC COM COMMON STOCK 217204106   6,034,136 104,183 SH   SOLE   103,668 297 218
COPART INC COM COMMON STOCK 217204106   4,053 70 SH   DFND   70 0 0
CORNING INC COM COMMON STOCK 219350105   287,509 8,726 SH   SOLE   8,664 62 0
CORNING INC COM COMMON STOCK 219350105   12,356 375 SH   DFND   375 0 0
CORTEVA INC COM COMMON STOCK 22052L104   5,634,463 97,704 SH   SOLE   97,065 133 506
CORTEVA INC COM COMMON STOCK 22052L104   35,120 609 SH   DFND   609 0 0
COSTCO WHOLESALE CORP COM COMMON STOCK 22160K105   18,057,631 24,648 SH   SOLE   24,270 239 139
COSTCO WHOLESALE CORP COM COMMON STOCK 22160K105   134,067 183 SH   DFND   183 0 0
CULLEN FROST BANKERS COM COMMON STOCK 229899109   5,328,996 47,341 SH   SOLE   47,062 72 207
CULLEN FROST BANKERS COM COMMON STOCK 229899109   20,824 185 SH   DFND   185 0 0
CUMMINS INC COM COMMON STOCK 231021106   6,145,276 20,857 SH   SOLE   20,835 0 22
CUMMINS INC COM COMMON STOCK 231021106   56,865 193 SH   DFND   193 0 0
DANAHER CORP COM COMMON STOCK 235851102   10,946,542 43,836 SH   SOLE   42,933 779 124
DANAHER CORP COM COMMON STOCK 235851102   137,094 549 SH   DFND   549 0 0
DEERE & CO COM COMMON STOCK 244199105   1,800,615 4,384 SH   SOLE   4,384 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 ETF LARGE CAP/MULTI-CAP 25434V708   1,229,659 38,487 SH   SOLE   38,487 0 0
DISNEY WALT COMPANY COM COMMON STOCK 254687106   4,385,147 35,839 SH   SOLE   35,140 484 215
DISNEY WALT COMPANY COM COMMON STOCK 254687106   28,630 234 SH   DFND   234 0 0
DOMINION RESOURCES INC NEW COM COMMON STOCK 25746U109   404,450 8,224 SH   SOLE   8,049 0 175
EOG RESOURCES INC COM COMMON STOCK 26875P101   8,309,572 65,001 SH   SOLE   63,783 564 654
EOG RESOURCES INC COM COMMON STOCK 26875P101   16,617 130 SH   DFND   130 0 0
ECOLAB INC COM COMMON STOCK 278865100   1,148,028 4,972 SH   SOLE   4,487 350 135
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108   7,031,065 73,579 SH   SOLE   73,359 132 88
EDWARDS LIFESCIENCES CORP COM COMMON STOCK 28176E108   27,901 292 SH   DFND   292 0 0
EMERSON ELEC CO COM COMMON STOCK 291011104   565,058 4,982 SH   SOLE   4,982 0 0
EXTRA SPACE STORAGE REIT REAL ESTATE INVESTMENT TRUST 30225T102   414,246 2,818 SH   SOLE   2,818 0 0
EXXON MOBIL CORP COM COMMON STOCK 30231G102   3,693,621 31,776 SH   SOLE   30,976 700 100
EXXON MOBIL CORP COM COMMON STOCK 30231G102   31,966 275 SH   DFND   275 0 0
META PLATFORMS INC COMMON STOCK 30303M102   3,600,425 7,415 SH   SOLE   7,360 14 41
META PLATFORMS INC COMMON STOCK 30303M102   7,283 15 SH   DFND   15 0 0
FIRST MERCHANTS CORP COM COMMON STOCK 320817109   3,569,268 102,301 SH   SOLE   101,581 720 0
FIRST MERCHANTS CORP COM COMMON STOCK 320817109   73,269 2,100 SH   DFND   2,100 0 0
FORTINET INC COM COMMON STOCK 34959E109   6,593,944 96,532 SH   SOLE   95,915 149 468
FORTINET INC COM COMMON STOCK 34959E109   9,357 137 SH   DFND   137 0 0
FOX COM COMMON STOCK 35137L105   323,667 10,351 SH   SOLE   10,022 0 329
GENERAL MILLS COM COMMON STOCK 370334104   235,798 3,370 SH   SOLE   3,370 0 0
GENUINE PARTS CO COM COMMON STOCK 372460105   2,656,536 17,147 SH   SOLE   16,595 469 83
GENUINE PARTS CO COM COMMON STOCK 372460105   177,858 1,148 SH   DFND   1,148 0 0
GRACO INC COM COMMON STOCK 384109104   7,305,998 78,174 SH   SOLE   76,932 1,003 239
GRACO INC COM COMMON STOCK 384109104   54,672 585 SH   DFND   585 0 0
JACK HENRY & ASSOCIATES COM COMMON STOCK 426281101   1,345,513 7,745 SH   SOLE   7,700 0 45
JACK HENRY & ASSOCIATES COM COMMON STOCK 426281101   28,143 162 SH   DFND   162 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   11,102,034 28,943 SH   SOLE   28,555 219 169
HOME DEPOT INC COM COMMON STOCK 437076102   98,580 257 SH   DFND   257 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   6,470,226 31,524 SH   SOLE   31,039 323 162
HONEYWELL INTL INC COM COMMON STOCK 438516106   59,932 292 SH   DFND   292 0 0
HUBBELL INC COM COMMON STOCK 443510607   207,520 500 SH   SOLE   500 0 0
HUNTINGTON BANCSHARES INC COM COMMON STOCK 446150104   1,323,784 94,895 SH   SOLE   94,895 0 0
ILLINOIS TOOL WORKS INC COM COMMON STOCK 452308109   502,559 1,873 SH   SOLE   1,873 0 0
INTEL CORP COM COMMON STOCK 458140100   2,041,458 46,229 SH   SOLE   45,829 0 400
INVESCO ULTRA SHORT DURATIONEFT ETF FIXED TAXABLE 46090A887   19,814,765 397,251 SH   SOLE   391,389 5,194 668
INVESCO ULTRA SHORT DURATIONEFT ETF FIXED TAXABLE 46090A887   498,500 9,994 SH   DFND   9,994 0 0
INVESCO S&P 5OO EQ WEIGHT ETF ETF LARGE CAP/MULTI-CAP 46137V357   2,259,545 13,341 SH   SOLE   13,059 282 0
INVESCO S&P 5OO EQ WEIGHT ETF ETF LARGE CAP/MULTI-CAP 46137V357   136,172 804 SH   DFND   804 0 0
S&P 100 INDEX ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287101   226,380 915 SH   SOLE   915 0 0
DOW JONES SELECT DIVIDEND ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287168   520,065 4,222 SH   SOLE   3,865 357 0
S&P 500 INDEX I SHARES ETF LARGE CAP/MULTI-CAP 464287200   1,695,968 3,226 SH   SOLE   3,226 0 0
BARCLAYS AGGREGATE BOND ETF ISHARES ETF FIXED TAXABLE 464287226   56,252,320 574,356 SH   SOLE   566,350 6,536 1,470
BARCLAYS AGGREGATE BOND ETF ISHARES ETF FIXED TAXABLE 464287226   897,228 9,161 SH   DFND   9,161 0 0
MSCI EMERGING MARKET INDEX ETF ISHARES ETF EMERGING MARKET 464287234   1,778,723 43,310 SH   SOLE   43,060 250 0
MSCI EMERGING MARKET INDEX ETF ISHARES ETF EMERGING MARKET 464287234   92,612 2,255 SH   DFND   2,255 0 0
S&P 500 GROWTH ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287309   25,627,270 303,498 SH   SOLE   298,745 4,563 190
S&P 500 GROWTH ETF I SHARES ETF LARGE CAP/MULTI-CAP 464287309   946,065 11,204 SH   DFND   11,204 0 0
S&P 500 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287408   16,783,472 89,843 SH   SOLE   89,090 695 58
S&P 500 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287408   315,148 1,687 SH   DFND   1,687 0 0
MSCI EAFE ETF ISHARES ETF INTERNATIONAL 464287465   1,107,336 13,866 SH   SOLE   13,866 0 0
MSCI EAFE ETF ISHARES ETF INTERNATIONAL 464287465   211,069 2,643 SH   DFND   2,643 0 0
RUSSELL MID CAP VALUE INDEX ISHARES ETF ETF MID CAP 464287473   2,922,744 23,321 SH   SOLE   23,014 263 44
RUSSELL MID CAP GROWTH INDEXISHARES ETF ETF MID CAP 464287481   6,954,458 60,930 SH   SOLE   59,915 965 50
RUSSELL MID CAP GROWTH INDEXISHARES ETF ETF MID CAP 464287481   205,452 1,800 SH   DFND   1,800 0 0
RUSSELL MID CAP INDEX ISHARES ETF ETF MID CAP 464287499   7,484,793 89,010 SH   SOLE   89,010 0 0
S&P MID CAP 400 ETF ISHARES ETF MID CAP 464287507   5,187,536 85,406 SH   SOLE   84,481 925 0
S&P MID CAP 400 ETF ISHARES ETF MID CAP 464287507   126,946 2,090 SH   DFND   2,090 0 0
NASDAQ BIOTECH INDEX ETF COMMON STOCK 464287556   1,406,908 10,253 SH   SOLE   9,478 675 100
RUSSELL 1000 VALUE ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287598   4,009,018 22,383 SH   SOLE   22,383 0 0
S&P MID-CAP 400 GROWTH ETF ISHARES ETF MID CAP 464287606   13,765,587 150,856 SH   SOLE   147,563 2,837 456
S&P MID-CAP 400 GROWTH ETF ISHARES ETF MID CAP 464287606   168,538 1,847 SH   DFND   1,847 0 0
RUSSELL 1000 GROWTH ETF ISHARES ETF LARGE CAP/MULTI-CAP 464287614   873,268 2,591 SH   SOLE   2,591 0 0
RUSSELL 200 GROWTH ETF ETF LARGE CAP/MULTI-CAP 464287648   366,649 1,354 SH   SOLE   1,354 0 0
RUSSELL 2000 INDEX ETF ISHARES ETF SMALL CAP 464287655   5,526,215 26,278 SH   SOLE   25,593 420 265
S&P MID-CAP 400 VALUE ETF ISHARES ETF MID CAP 464287705   14,737,553 124,589 SH   SOLE   122,773 1,322 494
S&P MID-CAP 400 VALUE ETF ISHARES ETF MID CAP 464287705   231,965 1,961 SH   DFND   1,961 0 0
US TECHNOLOGY ISHARES ETF COMMON STOCK 464287721   27,274,595 201,945 SH   SOLE   199,035 2,306 604
US TECHNOLOGY ISHARES ETF COMMON STOCK 464287721   1,196,631 8,860 SH   DFND   8,860 0 0
ISHARES TR US INDUSTRIALS ETF LARGE CAP/MULTI-CAP 464287754   188,310 1,498 SH   SOLE   1,370 128 0
ISHARES TR US INDUSTRIALS ETF LARGE CAP/MULTI-CAP 464287754   75,426 600 SH   DFND   600 0 0
ISHARES TR US HLTHCARE ETF ETF LARGE CAP/MULTI-CAP 464287762   225,934 3,650 SH   SOLE   3,350 300 0
ISHARES TR US HLTHCARE ETF ETF LARGE CAP/MULTI-CAP 464287762   237,386 3,835 SH   DFND   3,835 0 0
ISHARES TR U.S. FINLS ETF ETF LARGE CAP/MULTI-CAP 464287788   191,680 2,004 SH   SOLE   2,004 0 0
ISHARES TR U.S. FINLS ETF ETF LARGE CAP/MULTI-CAP 464287788   124,345 1,300 SH   DFND   1,300 0 0
S&P SMALL CAP 600 CORE ETF ISHARES ETF SMALL CAP 464287804   32,556,837 294,581 SH   SOLE   290,048 4,160 373
S&P SMALL CAP 600 CORE ETF ISHARES ETF SMALL CAP 464287804   475,788 4,305 SH   DFND   4,305 0 0
ISHARES TR U.S. CNSM GD ETF ETF LARGE CAP/MULTI-CAP 464287812   241,843 3,576 SH   SOLE   3,420 156 0
S&P SMALL CAP 600 VALUE ETF ISHARES ETF SMALL CAP 464287879   4,064,945 39,558 SH   SOLE   38,924 492 142
S&P SMALL CAP 600 VALUE ETF ISHARES ETF SMALL CAP 464287879   34,116 332 SH   DFND   332 0 0
S&P SMALL CAP 600 GROWTH ETF ISHARES ETF SMALL CAP 464287887   3,982,791 30,466 SH   SOLE   30,268 92 106
S&P SMALL CAP 600 GROWTH ETF ISHARES ETF SMALL CAP 464287887   62,226 476 SH   DFND   476 0 0
JPM EMERGING MARKETS ISHARES ETF FIXED TAXABLE 464288281   3,290,795 36,700 SH   SOLE   36,064 528 108
JPM EMERGING MARKETS ISHARES ETF FIXED TAXABLE 464288281   151,452 1,689 SH   DFND   1,689 0 0
ISHARES TR INTL SEL DIV ETF ETF INTERNATIONAL 464288448   276,977 9,878 SH   SOLE   9,878 0 0
ISHARES PREFERRED & INC ETF ETF PREFERRED 464288687   393,499 12,213 SH   SOLE   12,213 0 0
I SHARES DOMESTIC EQUITY ETF ETF LARGE CAP/MULTI-CAP 46429B663   201,794 1,831 SH   SOLE   1,831 0 0
ISHARES MSCI USA QUALITY FACTOR ETF LARGE CAP/MULTI-CAP 46432F339   208,887 1,271 SH   SOLE   1,271 0 0
ISHARES TR CORE MSCI EAFE ETF INTERNATIONAL 46432F842   6,216,955 83,765 SH   SOLE   83,355 290 120
ISHARES TR CORE MSCI EAFE ETF INTERNATIONAL 46432F842   111,330 1,500 SH   DFND   1,500 0 0
MSCI EMERGING MKTS CORE ISHARES ETF EMERGING MARKET 46434G103   3,266,736 63,323 SH   SOLE   61,993 1,248 82
LC CORE DVD GROWTH ETF LARGE CAP/MULTI-CAP 46434V621   329,142 5,669 SH   SOLE   5,669 0 0
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100   12,146,550 60,642 SH   SOLE   60,382 0 260
JPMORGAN CHASE & CO COM COMMON STOCK 46625H100   100,150 500 SH   DFND   500 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   12,097,049 76,473 SH   SOLE   75,243 788 442
JOHNSON & JOHNSON COM COMMON STOCK 478160104   254,368 1,608 SH   DFND   1,608 0 0
KIMBERLY CLARK CORP COM COMMON STOCK 494368103   323,373 2,500 SH   SOLE   2,100 400 0
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109   7,267,493 34,104 SH   SOLE   33,179 570 355
L3HARRIS TECHNOLOGIES INC COM COMMON STOCK 502431109   77,142 362 SH   DFND   362 0 0
LA-Z BOY INC COM COMMON STOCK 505336107   857,281 22,794 SH   SOLE   22,794 0 0
LAM RESEARCH CORP COM COMMON STOCK 512807108   17,234,477 17,739 SH   SOLE   17,651 35 53
LAM RESEARCH CORP COM COMMON STOCK 512807108   97,155 100 SH   DFND   100 0 0
LANCASTER COLONY CORP COM COMMON STOCK 513847103   975,861 4,700 SH   SOLE   4,700 0 0
LILLY ELI & CO COM COMMON STOCK 532457108   19,640,967 25,247 SH   SOLE   24,989 126 132
LILLY ELI & CO COM COMMON STOCK 532457108   20,522,581 26,380 SH   DFND   26,380 0 0
LINCOLN NATL CORP IND COM COMMON STOCK 534187109   318,882 9,987 SH   SOLE   9,987 0 0
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   7,165,262 15,753 SH   SOLE   15,496 176 81
LOCKHEED MARTIN CORP COM COMMON STOCK 539830109   53,672 118 SH   DFND   118 0 0
LOWE'S COMPANIES INC COM COMMON STOCK 548661107   17,367,012 68,179 SH   SOLE   67,395 327 457
LOWE'S COMPANIES INC COM COMMON STOCK 548661107   120,739 474 SH   DFND   474 0 0
MARATHON PETROLEUM CORP COM COMMON STOCK 56585A102   344,161 1,708 SH   SOLE   1,708 0 0
MASTERCARD INC COM COMMON STOCK 57636Q104   809,515 1,681 SH   SOLE   1,656 0 25
MCDONALDS CORP COM COMMON STOCK 580135101   6,230,442 22,099 SH   SOLE   21,995 42 62
MCDONALDS CORP COM COMMON STOCK 580135101   89,373 317 SH   DFND   317 0 0
MERCK & CO INC COM COMMON STOCK 58933Y105   627,288 4,754 SH   SOLE   4,754 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   43,698,908 103,870 SH   SOLE   102,224 1,198 448
MICROSOFT CORP COM COMMON STOCK 594918104   677,339 1,610 SH   DFND   1,610 0 0
MICROCHIP TECHNOLOGY COM COMMON STOCK 595017104   9,682,146 107,929 SH   SOLE   104,918 2,207 804
MICROCHIP TECHNOLOGY COM COMMON STOCK 595017104   41,175 459 SH   DFND   459 0 0
MORGAN STANLEY DEAN WITTER COM COMMON STOCK 617446448   847,158 8,998 SH   SOLE   8,998 0 0
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   5,681,690 88,917 SH   SOLE   88,135 537 245
NEXTERA ENERGY INC COM COMMON STOCK 65339F101   225,630 3,531 SH   DFND   3,531 0 0
NIKE INC CL B COM COMMON STOCK 654106103   1,091,287 11,612 SH   SOLE   11,485 0 127
NORTHWEST BANCSHARES INC COM COMMON STOCK 667340103   117,432 10,080 SH   SOLE   10,080 0 0
NUCOR CORP COM COMMON STOCK 670346105   1,957,809 9,893 SH   SOLE   9,740 28 125
NUCOR CORP COM COMMON STOCK 670346105   53,433 270 SH   DFND   270 0 0
NVIDIA CORP COM COMMON STOCK 67066G104   16,754,507 18,543 SH   SOLE   15,683 2,730 130
NUVEEN ENH AMT FR MUNI CRED CLOSED END FIXED TAX FREE 67071L106   156,491 12,880 SH   SOLE   12,880 0 0
O'REILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   7,546,416 6,685 SH   SOLE   6,644 9 32
O'REILLY AUTOMOTIVE INC COM COMMON STOCK 67103H107   2,256 2 SH   DFND   2 0 0
OMNICOM GROUP INC COM COMMON STOCK 681919106   4,441,227 45,900 SH   SOLE   44,637 1,047 216
OMNICOM GROUP INC COM COMMON STOCK 681919106   31,737 328 SH   DFND   328 0 0
ORACLE CORP COM COMMON STOCK 68389X105   1,750,860 13,939 SH   SOLE   13,784 0 155
ORACLE CORP COM COMMON STOCK 68389X105   18,841 150 SH   DFND   150 0 0
PALO ALTO NETWORKS INC COM COMMON STOCK 697435105   466,538 1,642 SH   SOLE   1,642 0 0
PEPSICO INC COM COMMON STOCK 713448108   15,542,963 88,813 SH   SOLE   87,814 676 323
PEPSICO INC COM COMMON STOCK 713448108   244,837 1,399 SH   DFND   1,399 0 0
PFIZER INC COM COMMON STOCK 717081103   616,793 22,227 SH   SOLE   22,227 0 0
PFIZER INC COM COMMON STOCK 717081103   25,363 914 SH   DFND   914 0 0
PHILLIPS 66 COM COMMON STOCK 718546104   2,069,840 12,672 SH   SOLE   12,672 0 0
PHILLIPS 66 COM COMMON STOCK 718546104   81,670 500 SH   DFND   500 0 0
POOL CORPORATION COM COMMON STOCK 73278L105   612,511 1,518 SH   SOLE   1,518 0 0
T. ROWE PRICE GROUP INC COM COMMON STOCK 74144T108   2,619,629 21,487 SH   SOLE   20,859 518 110
T. ROWE PRICE GROUP INC COM COMMON STOCK 74144T108   8,046 66 SH   DFND   66 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   10,692,646 65,903 SH   SOLE   64,969 879 55
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   250,836 1,546 SH   DFND   1,546 0 0
PUBLIC STORAGE INC. CLASS A REIT REAL ESTATE INVESTMENT TRUST 74460D109   290,050 1,000 SH   SOLE   1,000 0 0
RAYTHEON TECHNOLOGIES COM COMMON STOCK 75513E101   5,579,531 57,209 SH   SOLE   55,995 1,148 66
RAYTHEON TECHNOLOGIES COM COMMON STOCK 75513E101   1,170 12 SH   DFND   12 0 0
REPUBLIC SERVICES INC COM COMMON STOCK 760759100   397,620 2,077 SH   SOLE   2,077 0 0
ROPER INDS INC NEW COM COMMON STOCK 776696106   1,408,772 2,512 SH   SOLE   2,441 0 71
ROPER INDS INC NEW COM COMMON STOCK 776696106   2,804 5 SH   DFND   5 0 0
S&P GLOBAL INC COM COMMON STOCK 78409V104   5,450,296 12,811 SH   SOLE   12,647 27 137
S&P GLOBAL INC COM COMMON STOCK 78409V104   8,507 20 SH   DFND   20 0 0
S&P 500 ETF SPDR ETF LARGE CAP/MULTI-CAP 78462F103   7,089,676 13,554 SH   SOLE   13,554 0 0
S&P 500 ETF SPDR ETF LARGE CAP/MULTI-CAP 78462F103   3,268,664 6,249 SH   DFND   6,249 0 0
BARCLAYS CONVERITIBLE SEC ETF SPDR ETF FIXED TAXABLE 78464A359   668,316 9,150 SH   SOLE   9,150 0 0
S&P 400 MID-CAP ETF SPDR ETF MID CAP 78467Y107   10,074,495 18,107 SH   SOLE   17,706 401 0
S&P 400 MID-CAP ETF SPDR ETF MID CAP 78467Y107   175,262 315 SH   DFND   315 0 0
SALESFORCE.COM COM COMMON STOCK 79466L302   996,266 3,308 SH   SOLE   3,308 0 0
SCHLUMBERGER LTD COM COMMON STOCK 806857108   6,813,697 124,318 SH   SOLE   122,794 496 1,028
SCHLUMBERGER LTD COM COMMON STOCK 806857108   6,301 115 SH   DFND   115 0 0
CHARLES SCHWAB CORP COM COMMON STOCK 808513105   9,774,486 135,121 SH   SOLE   134,327 241 553
CHARLES SCHWAB CORP COM COMMON STOCK 808513105   7,378 102 SH   DFND   102 0 0
SCHWAB INTERNATIONAL DVD ETF ETF INTERNATIONAL 808524672   4,419,146 182,234 SH   SOLE   182,234 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF LARGE CAP/MULTI-CAP 808524797   11,074,555 137,351 SH   SOLE   137,351 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ ETF LARGE CAP/MULTI-CAP 808524797   92,723 1,150 SH   DFND   1,150 0 0
SCHWAB STRATEGIC TR US TIPS ETF ETF FIXED TAXABLE 808524870   965,608 18,516 SH   SOLE   18,516 0 0
MATERIALS SECTOR ETF SPDR COMMON STOCK 81369Y100   5,874,413 63,242 SH   SOLE   62,377 760 105
MATERIALS SECTOR ETF SPDR COMMON STOCK 81369Y100   121,313 1,306 SH   DFND   1,306 0 0
HEALTHCARE SECTOR ETF SPDR COMMON STOCK 81369Y209   9,970,909 67,495 SH   SOLE   66,627 820 48
HEALTHCARE SECTOR ETF SPDR COMMON STOCK 81369Y209   252,322 1,708 SH   DFND   1,708 0 0
CONSUMER STAPLES SECTOR ETF SPDR COMMON STOCK 81369Y308   7,608,443 99,641 SH   SOLE   98,428 1,054 159
CONSUMER STAPLES SECTOR ETF SPDR COMMON STOCK 81369Y308   239,541 3,137 SH   DFND   3,137 0 0
CONSUMER DISCRETION SECTOR ETF COMMON STOCK 81369Y407   5,894,484 32,055 SH   SOLE   31,545 407 103
CONSUMER DISCRETION SECTOR ETF COMMON STOCK 81369Y407   104,265 567 SH   DFND   567 0 0
ENERGY SECTOR ETF SPDR COMMON STOCK 81369Y506   3,424,736 36,280 SH   SOLE   35,889 373 18
ENERGY SECTOR ETF SPDR COMMON STOCK 81369Y506   130,272 1,380 SH   DFND   1,380 0 0
FINANCIAL SECTOR ETF SPDR COMMON STOCK 81369Y605   4,759,677 113,032 SH   SOLE   111,908 1,002 122
FINANCIAL SECTOR ETF SPDR COMMON STOCK 81369Y605   28,887 686 SH   DFND   686 0 0
INDUSTRIAL SECTOR ETF SPDR COMMON STOCK 81369Y704   3,066,650 24,347 SH   SOLE   24,137 188 22
TECHNOLOGY SELECT SECTOR ETF SPDR COMMON STOCK 81369Y803   7,875,682 37,815 SH   SOLE   37,732 0 83
COMM SERVICES SPDR COMMON STOCK 81369Y852   4,656,800 57,035 SH   SOLE   55,959 765 311
COMM SERVICES SPDR COMMON STOCK 81369Y852   39,028 478 SH   DFND   478 0 0
REAL ESTATE SELECT SEC ETF COMMON STOCK 81369Y860   5,658,240 143,178 SH   SOLE   140,076 1,373 1,729
REAL ESTATE SELECT SEC ETF COMMON STOCK 81369Y860   5,413 137 SH   DFND   137 0 0
UTILITIES SECTOR ETF COMMON STOCK 81369Y886   2,531,291 38,559 SH   SOLE   38,092 443 24
UTILITIES SECTOR ETF COMMON STOCK 81369Y886   52,520 800 SH   DFND   800 0 0
SERVICE NOW INC COM COMMON STOCK 81762P102   9,109,033 11,948 SH   SOLE   11,869 23 56
SERVICE NOW INC COM COMMON STOCK 81762P102   6,860 9 SH   DFND   9 0 0
SHERWIN-WILLIAMS CO COM COMMON STOCK 824348106   647,403 1,864 SH   SOLE   1,864 0 0
SITEONE LANDSCAPE SUPPLY INCCOM COMMON STOCK 82982L103   1,027,218 5,885 SH   SOLE   5,885 0 0
SITEONE LANDSCAPE SUPPLY INCCOM COMMON STOCK 82982L103   173,677 995 SH   DFND   995 0 0
THE J.M. SMUCKER COMPANY COM COMMON STOCK 832696405   370,685 2,945 SH   SOLE   2,545 400 0
THE J.M. SMUCKER COMPANY COM COMMON STOCK 832696405   9,440 75 SH   DFND   75 0 0
STARBUCKS CORP COM COMMON STOCK 855244109   2,472,808 27,058 SH   SOLE   26,848 0 210
STRYKER CORP COM COMMON STOCK 863667101   21,900,131 61,198 SH   SOLE   60,362 629 207
STRYKER CORP COM COMMON STOCK 863667101   161,392 451 SH   DFND   451 0 0
SYSCO CORP COM COMMON STOCK 871829107   690,030 8,500 SH   SOLE   7,600 900 0
TJX COS INC NEW COM COMMON STOCK 872540109   11,437,476 112,775 SH   SOLE   111,053 1,297 425
TJX COS INC NEW COM COMMON STOCK 872540109   47,462 468 SH   DFND   468 0 0
TESLA MOTORS INC COM COMMON STOCK 88160R101   381,286 2,169 SH   SOLE   2,169 0 0
TEXAS INSTRS INC COM COMMON STOCK 882508104   6,425,224 36,883 SH   SOLE   36,632 173 78
TEXAS INSTRS INC COM COMMON STOCK 882508104   23,517 135 SH   DFND   135 0 0
THERMO FISHER SCIENTIFIC INCCOM COMMON STOCK 883556102   957,831 1,648 SH   SOLE   1,648 0 0
TORO CO COM COMMON STOCK 891092108   363,583 3,968 SH   SOLE   3,968 0 0
US BANCORP DEL COM COMMON STOCK 902973304   262,298 5,868 SH   SOLE   5,218 650 0
UNION PAC CORP COM COMMON STOCK 907818108   2,504,283 10,183 SH   SOLE   10,033 150 0
UNITED PARCEL SERVICE COM COMMON STOCK 911312106   442,761 2,979 SH   SOLE   2,929 0 50
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   17,435,023 35,244 SH   SOLE   34,856 193 195
UNITEDHEALTH GROUP INC COM COMMON STOCK 91324P102   48,973 99 SH   DFND   99 0 0
VALERO ENERGY NEW COM COMMON STOCK 91913Y100   2,994,579 17,544 SH   SOLE   17,544 0 0
VANGUARD INTERMEDIATE-TERM ETF FIXED TAXABLE 921937819   13,097,116 173,703 SH   SOLE   170,845 2,404 454
VANGUARD INTERMEDIATE-TERM ETF FIXED TAXABLE 921937819   103,222 1,369 SH   DFND   1,369 0 0
VANGUARD S/T BOND INDEX ETF ETF FIXED TAXABLE 921937827   8,526,988 111,217 SH   SOLE   111,217 0 0
VANGUARD S/T BOND INDEX ETF ETF FIXED TAXABLE 921937827   914,443 11,927 SH   DFND   11,927 0 0
VANGUARD FTSE DEV MARKET ETF ETF INTERNATIONAL 921943858   376,500 7,506 SH   SOLE   7,506 0 0
VANGUARD W HIGH DIV YIELD ETF ETF LARGE CAP/MULTI-CAP 921946406   2,294,564 18,965 SH   SOLE   18,914 51 0
VANGUARD TOTAL INTL BD IDX ETF ETF FIXED TAXABLE 92203J407   6,105,440 124,147 SH   SOLE   122,505 1,328 314
VANGUARD TOTAL INTL BD IDX ETF ETF FIXED TAXABLE 92203J407   146,900 2,987 SH   DFND   2,987 0 0
VANGUARD INFO TECH ETF COMMON STOCK 92204A702   26,376,366 50,305 SH   SOLE   50,280 0 25
VANGUARD INFO TECH ETF COMMON STOCK 92204A702   10,486 20 SH   DFND   20 0 0
VANGUARD FTSE ALL WRLD EX US ETF ETF INTERNATIONAL 922042775   1,431,059 24,400 SH   SOLE   24,400 0 0
VANGUARD S/T CORP ETF FIXED TAXABLE 92206C409   224,893 2,909 SH   SOLE   2,909 0 0
VANGUARD INTER-TERM CORP ETF FIXED TAXABLE 92206C870   529,191 6,573 SH   SOLE   6,573 0 0
VANGUARD TAX- EXEMPT BOND ETF FIXED TAX FREE 922907746   664,042 13,126 SH   SOLE   13,126 0 0
VANGUARD I S&P 500 COM ETF LARGE CAP/MULTI-CAP 922908363   20,439,331 42,520 SH   SOLE   42,520 0 0
VANGUARD I S&P 500 COM ETF LARGE CAP/MULTI-CAP 922908363   480,700 1,000 SH   DFND   1,000 0 0
VANGUARD REIT INDEX ETF ETF REAL ESTATE 922908553   2,586,633 29,914 SH   SOLE   28,992 922 0
VANGUARD REIT INDEX ETF ETF REAL ESTATE 922908553   131,261 1,518 SH   DFND   1,518 0 0
VANGUARD MID-CAP INDEX ETF ETF MID CAP 922908629   5,870,453 23,495 SH   SOLE   23,495 0 0
VANGUARD I LARGE CAP ETF ETF LARGE CAP/MULTI-CAP 922908637   1,577,858 6,581 SH   SOLE   6,581 0 0
VANGUARD I EXTENDED MARKET ETF ETF LARGE CAP/MULTI-CAP 922908652   518,797 2,960 SH   SOLE   2,960 0 0
VANGUARD SMALL-CAP ETF ETF SMALL CAP 922908751   5,715,881 25,005 SH   SOLE   25,005 0 0
US TOTAL STOCK MARKET INDEX ETF VANGUARD ETF LARGE CAP/MULTI-CAP 922908769   442,592 1,703 SH   SOLE   1,703 0 0
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   4,473,969 106,653 SH   SOLE   106,292 111 250
VERIZON COMMUNICATIONS INC COM COMMON STOCK 92343V104   45,472 1,084 SH   DFND   1,084 0 0
VISA COM COMMON STOCK 92826C839   19,632,088 70,349 SH   SOLE   69,679 443 227
VISA COM COMMON STOCK 92826C839   85,951 308 SH   DFND   308 0 0
WAL MART STORES INC COM COMMON STOCK 931142103   11,846,280 196,883 SH   SOLE   194,003 2,154 726
WAL MART STORES INC COM COMMON STOCK 931142103   57,219 951 SH   DFND   951 0 0
WASTE MANAGEMENT INC COM COMMON STOCK 94106L109   984,961 4,621 SH   SOLE   4,621 0 0
ZOETIS INC COM COMMON STOCK 98978V103   330,633 1,954 SH   SOLE   1,894 0 60