Trust Operations Manager

0001387131-23-004875.txt : 20230420 0001387131-23-004875.hdr.sgml : 20230420 20230420091115 ACCESSION NUMBER: 0001387131-23-004875 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230331 FILED AS OF DATE: 20230420 DATE AS OF CHANGE: 20230420 EFFECTIVENESS DATE: 20230420 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TOMPKINS FINANCIAL CORP CENTRAL INDEX KEY: 0001005817 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 161482357 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-05097 FILM NUMBER: 23831571 BUSINESS ADDRESS: STREET 1: 118 E SENECA STREET STREET 2: P.O. BOX 460 CITY: ITHACA STATE: NY ZIP: 14850 BUSINESS PHONE: 607-274-2078 MAIL ADDRESS: STREET 1: 118 E. SENECA STREET STREET 2: PO BOX 460 CITY: ITHACA STATE: NY ZIP: 14850 FORMER COMPANY: FORMER CONFORMED NAME: TOMPKINS TRUSTCO INC DATE OF NAME CHANGE: 19990512 FORMER COMPANY: FORMER CONFORMED NAME: TOMPKINS COUNTY TRUSTCO INC DATE OF NAME CHANGE: 19960117 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE false false false 0001005817 XXXXXXXX 03-31-2023 03-31-2023 false TOMPKINS FINANCIAL CORP

118 E. Seneca Street PO Box 460 Ithaca NY 14850

13F HOLDINGS REPORT 028-05097 N Lisa Donnelly Trust Operations Manager 607-274-7443 /s/ Lisa Donnelly, Trust Operations Manager Ithica NY 04-19-2023 0 827 614402948 INFORMATION TABLE 2 infotable.xml 3M Co COM 88579Y101 367254 3494 SH DFND 0 0 3494 3M Co COM 88579Y101 356954 3396 SH SOLE 3396 0 0 AECOM COM 00766T100 37944 450 SH DFND 450 0 0 AGILENT TECHS INC COM 00846U101 128656 930 SH DFND 778 0 152 AGNC INVESTMENT CORP COM 00123Q104 73080 7250 SH DFND 0 0 7250 ALBEMARLE CORP COM 012653101 33156 150 SH DFND 0 0 150 ALCON AG ORD SHS H01301128 15519 220 SH SOLE 220 0 0 ALPHABET INC CAP STK CL A 02079K305 481307 4640 SH DFND 2660 0 1980 ALPHABET INC CAP STK CL A 02079K305 6961735 67114 SH SOLE 65054 0 2060 ALTRIA GROUP INC COM 02209S103 194186 4352 SH DFND 0 0 4352 ALTRIA GROUP INC COM 02209S103 110435 2475 SH SOLE 2475 0 0 AMER EXPRESS CO COM 025816109 296910 1800 SH DFND 0 0 1800 AMER EXPRESS CO COM 025816109 233569 1416 SH SOLE 391 0 1025 AMER INTL GRP COM NEW 026874784 9820 195 SH DFND 0 0 195 AMER INTL GRP COM NEW 026874784 109483 2174 SH SOLE 2174 0 0 ANALOG DEVICES INC COM 032654105 3550 18 SH SOLE 18 0 0 ANSYS, INC. COM 03662Q105 998 3 SH DFND 0 0 3 APA Corp COM 03743Q108 75798 2102 SH DFND 0 0 2102 APPIAN CORP CL A 03782L101 17752 400 SH SOLE 400 0 0 APPLIED MATERIALS COM 038222105 5527 45 SH SOLE 45 0 0 ARK Investment Management LLC AUTNMUS TECHNLGY 00214Q203 10309 205 SH DFND 0 0 205 ASML HOLDING NV N Y REGISTRY SHS N07059210 13614 20 SH SOLE 20 0 0 AT&T INC COM 00206R102 909178 47230 SH DFND 2700 0 44530 AT&T INC COM 00206R102 535015 27793 SH SOLE 27793 0 0 AUTOMATIC DATA PROCESSING COM 053015103 1435073 6446 SH DFND 161 0 6285 AUTOMATIC DATA PROCESSING COM 053015103 880502 3955 SH SOLE 2725 0 1230 AUTOZONE INC COM 053332102 299894 122 SH DFND 0 0 122 AUTOZONE INC COM 053332102 140115 57 SH SOLE 57 0 0 AbbVie Inc COM 00287Y109 4316696 27086 SH DFND 0 0 27086 AbbVie Inc COM 00287Y109 1160692 7283 SH SOLE 6783 0 500 Abbott Laboratories COM 002824100 2532209 25007 SH DFND 441 0 24566 Abbott Laboratories COM 002824100 6341408 62625 SH SOLE 60618 0 2007 Accenture PLC SHS CLASS A G1151C101 194351 680 SH DFND 359 0 321 Accenture PLC SHS CLASS A G1151C101 4517799 15807 SH SOLE 15008 0 799 Adobe Inc COM 00724F101 332960 864 SH DFND 374 0 490 Adobe Inc COM 00724F101 4316529 11201 SH SOLE 10656 0 545 Advance Auto Parts Inc COM 00751Y106 3040 25 SH SOLE 25 0 0 Aflac Inc COM 001055102 178656 2769 SH SOLE 2769 0 0 Air Products and Chemicals Inc COM 009158106 449771 1566 SH DFND 0 0 1566 Air Products and Chemicals Inc COM 009158106 14361 50 SH SOLE 50 0 0 Alcoa Corp COM 013872106 85120 2000 SH DFND 0 0 2000 Algonquin Power & Utilities Co COM 015857105 4200 500 SH DFND 400 0 100 Allstate Corp/The COM 020002101 4876 44 SH DFND 0 0 44 Allstate Corp/The COM 020002101 1441 13 SH SOLE 13 0 0 Alphabet Inc CAP STK CL C 02079K107 243672 2343 SH DFND 2300 0 43 Alphabet Inc CAP STK CL C 02079K107 617760 5940 SH SOLE 5940 0 0 Alps Closed End Funds/USA SH BEN INT 530158104 13020 2100 SH DFND 0 0 2100 Amazon.com Inc COM 023135106 335073 3244 SH DFND 2630 0 614 Amazon.com Inc COM 023135106 5917691 57292 SH SOLE 53792 0 3500 American Airlines Group Inc COM 02376R102 11579 785 SH DFND 0 0 785 American Electric Power Co Inc COM 025537101 98815 1086 SH DFND 0 0 1086 American Electric Power Co Inc COM 025537101 2275 25 SH SOLE 25 0 0 American Tower Corp COM 03027X100 7561 37 SH SOLE 37 0 0 American Water Works Co Inc COM 030420103 88480 604 SH DFND 240 0 364 American Water Works Co Inc COM 030420103 5096827 34793 SH SOLE 33748 0 1045 Ameriprise Financial Inc COM 03076C106 48734 159 SH DFND 0 0 159 Amgen Inc COM 031162100 216608 896 SH DFND 150 0 746 Amgen Inc COM 031162100 6494856 26866 SH SOLE 25322 0 1544 Anheuser-Busch InBev SA/NV SPONSORED ADR 03524A108 534 8 SH SOLE 8 0 0 Annaly Capital Management Inc COM NEW 035710839 85995 4500 SH DFND 0 0 4500 Apollo Commercial Real Estate COM 03762U105 9310 1000 SH DFND 0 0 1000 Apple Inc COM 037833100 4087706 24789 SH DFND 4025 0 20764 Apple Inc COM 037833100 31362991 190194 SH SOLE 178577 0 11617 ArcBest Corp COM 03937C105 4621 50 SH DFND 0 0 50 Arconic Corp COM 03966V107 40001 1525 SH DFND 0 0 1525 Ares Commercial Real Estate Co COM 04013V108 9181 1010 SH DFND 0 0 1010 Arthur J Gallagher & Co COM 363576109 347228 1815 SH DFND 327 0 1488 Arthur J Gallagher & Co COM 363576109 9198376 48081 SH SOLE 47265 0 816 Ashland Inc COM 044186104 353528 3442 SH DFND 0 0 3442 Autoliv Inc COM 052800109 560 6 SH DFND 0 0 6 Azenta Inc COM 114340102 26772 600 SH DFND 600 0 0 B&G Foods Inc COM 05508R106 15530 1000 SH DFND 0 0 1000 BARRICK GOLD CORP COM 067901108 20371 1097 SH DFND 1097 0 0 BAXTER INTL INC COM 071813109 44616 1100 SH DFND 0 0 1100 BAXTER INTL INC COM 071813109 90287 2226 SH SOLE 1026 0 1200 BCE Inc COM NEW 05534B760 22395 500 SH DFND 500 0 0 BECTON DICKINSON COM 075887109 4951 20 SH SOLE 20 0 0 BEST BUY CO INC COM 086516101 97838 1250 SH DFND 0 0 1250 BK OF AMERICA CORP COM 060505104 194823 6812 SH DFND 100 0 6712 BK OF AMERICA CORP COM 060505104 33233 1162 SH SOLE 1162 0 0 BK OF MONTREAL COM 063671101 89110 1000 SH DFND 0 0 1000 BK OF NOVA SCOTIA COM 064149107 216548 4300 SH DFND 0 0 4300 BK OF NY MELLON CP COM 064058100 16313 359 SH SOLE 125 0 234 BOEING CO COM 097023105 148064 697 SH DFND 62 0 635 BOEING CO COM 097023105 8285 39 SH SOLE 39 0 0 BP PLC SPONSORED ADR 055622104 10927 288 SH DFND 0 0 288 BP PLC SPONSORED ADR 055622104 56910 1500 SH SOLE 1500 0 0 BRIGHTHOUSE FINANCIAL INC. 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Inc COM 149123101 641667 2804 SH DFND 914 0 1890 Cenovus Energy Inc COM 15135U109 25701 1472 SH DFND 0 0 1472 ChargePoint Holdings Inc COM CL A 15961R105 1152 110 SH DFND 0 0 110 Charles Schwab Corp/The COM 808513105 258495 4935 SH SOLE 4935 0 0 Charles Schwab Investment Management Inc US BRD MKT ETF 808524102 104217 2178 SH DFND 0 0 2178 Charles Schwab Investment Management Inc US LRG CAP ETF 808524201 3821 79 SH SOLE 79 0 0 Charles Schwab Investment Management Inc US SML CAP ETF 808524607 1090 26 SH SOLE 26 0 0 Charles Schwab Investment Management Inc SCHWB FDT INT LG 808524755 73109 2338 SH SOLE 2338 0 0 Charles Schwab Investment Management Inc INTL EQTY ETF 808524805 1601 46 SH SOLE 46 0 0 Charles Schwab Investment Management Inc US AGGREGATE B 808524839 1126 24 SH SOLE 24 0 0 Chemed Corp COM 16359R103 173693 323 SH SOLE 323 0 0 Chemours Co/The COM 163851108 7305 244 SH DFND 0 0 244 Chemours Co/The COM 163851108 599 20 SH SOLE 20 0 0 Chemung Financial Corp COM 164024101 33200 800 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314379 13960 SH DFND 13960 0 0 First Trust ETFs/USA INDXX GLOBAL AGR 33734X812 12813 440 SH DFND 440 0 0 First Trust ETFs/USA INDXX NAT RE ETF 33734X838 47922 3614 SH DFND 3614 0 0 FirstEnergy Corp COM 337932107 6009 150 SH DFND 0 0 150 FirstEnergy Corp COM 337932107 151707 3787 SH SOLE 3787 0 0 Flowserve Corp COM 34354P105 3400 100 SH DFND 100 0 0 Four Corners Property Trust In COM 35086T109 2686 100 SH DFND 0 0 100 Franklin Resources Inc COM 354613101 53880 2000 SH DFND 0 0 2000 Fresenius Medical Care AG & Co SPONSORED ADR 358029106 21260 1000 SH DFND 0 0 1000 Fulton Financial Corp COM 360271100 62909 4552 SH SOLE 4552 0 0 GE HealthCare Technologies Inc None 36266G107 87444 1066 SH DFND 0 0 1066 GE HealthCare Technologies Inc None 36266G107 71530 872 SH SOLE 872 0 0 GEN DYNAMICS CORP COM 369550108 105433 462 SH DFND 197 0 265 GEN DYNAMICS CORP COM 369550108 4889399 21425 SH SOLE 21012 0 413 GENERAL MILLS INC COM 370334104 305178 3571 SH DFND 0 0 3571 GENERAL MILLS INC COM 370334104 46490 544 SH SOLE 544 0 0 GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 19151 751 SH DFND 0 0 751 GOLDMAN SACHS GRP COM 38141G104 276081 844 SH DFND 344 0 500 GOLDMAN SACHS GRP COM 38141G104 212622 650 SH SOLE 650 0 0 GORMAN-RUPP CO/THE COM 383082104 5000 200 SH DFND 200 0 0 GSK PLC SPONSORED ADR 37733W204 3558 100 SH DFND 100 0 0 GSK PLC SPONSORED ADR 37733W204 104036 2924 SH SOLE 2924 0 0 Gaming and Leisure Properties COM 36467J108 6403 123 SH SOLE 123 0 0 Generac Holdings Inc COM 368736104 10801 100 SH DFND 100 0 0 General Electric Co COM NEW 369604301 306972 3211 SH DFND 0 0 3211 General Electric Co COM NEW 369604301 274659 2873 SH SOLE 2873 0 0 General Motors Co COM 37045V100 77028 2100 SH DFND 0 0 2100 Genuine Parts Co COM 372460105 48185 288 SH DFND 288 0 0 Gilead Sciences Inc COM 375558103 830 10 SH DFND 0 0 10 Gilead Sciences Inc COM 375558103 8131 98 SH SOLE 98 0 0 Global X Management Co LLC SOCIAL MED ETF 37950E416 18500 500 SH DFND 500 0 0 Global X Management Co LLC None 37960A735 8899 400 SH DFND 400 0 0 Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107 7425 241 SH DFND 0 0 241 Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107 248359 8061 SH SOLE 7490 0 571 Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503 775651 9550 SH SOLE 9339 0 211 Guidewire Software Inc COM 40171V100 82050 1000 SH DFND 0 0 1000 HALLIBURTON COM 406216101 7214 228 SH DFND 0 0 228 HANESBRANDS INC COM 410345102 3840 730 SH DFND 0 0 730 HARBOR CUSTOM DEV INC 8% CONV PFD SR A 41150T207 2244 400 SH DFND 0 0 400 HASBRO INC COM 418056107 2416 45 SH SOLE 45 0 0 HERSHEY CO (THE) COM 427866108 28494 112 SH DFND 0 0 112 HERSHEY CO (THE) COM 427866108 489485 1924 SH SOLE 1924 0 0 HOLLY ENERGY PARTNERS LP COM UT LTD PTN 435763107 15633 900 SH DFND 0 0 900 HORIZON THERAPEUTICS PLC SHS G46188101 10914 100 SH DFND 100 0 0 HP Inc COM 40434L105 17610 600 SH DFND 0 0 600 Haleon PLC SPON ADS 405552100 2442 300 SH DFND 300 0 0 Haleon PLC SPON ADS 405552100 29744 3654 SH SOLE 3654 0 0 Hartford Financial Services Gr COM 416515104 211021 3028 SH DFND 0 0 3028 Hawaiian Electric Industries I COM 419870100 19200 500 SH DFND 500 0 0 Healthcare Ventures LLC COM 52187K101 410 1205 SH DFND 1205 0 0 Helmerich & Payne Inc COM 423452101 6399 179 SH DFND 0 0 179 Hewlett Packard Enterprise Co COM 42824C109 9208 578 SH DFND 0 0 578 Home Depot Inc/The COM 437076102 1204975 4083 SH DFND 1342 0 2741 Home Depot Inc/The COM 437076102 7790873 26399 SH SOLE 26035 0 364 Honeywell International Inc COM 438516106 371537 1944 SH DFND 384 0 1560 Honeywell International Inc COM 438516106 7216691 37760 SH SOLE 36512 0 1248 Hormel Foods Corp COM 440452100 39880 1000 SH DFND 0 0 1000 Howmet Aerospace Inc COM 443201108 258457 6100 SH DFND 0 0 6100 IDACORP Inc COM 451107106 5417 50 SH DFND 50 0 0 ILLINOIS TOOL WKS COM 452308109 489821 2012 SH DFND 162 0 1850 ILLINOIS TOOL WKS COM 452308109 6086 25 SH SOLE 25 0 0 INTERCONTINENTAL EXCHANGE COM 45866F104 49121 471 SH DFND 344 0 127 INTERCONTINENTAL EXCHANGE COM 45866F104 3042661 29175 SH SOLE 27313 0 1862 INTL BUSINESS MCHN COM 459200101 576927 4401 SH DFND 300 0 4101 INTL BUSINESS MCHN COM 459200101 1402008 10695 SH SOLE 10225 0 470 INVESCO SHS G491BT108 3280 200 SH SOLE 200 0 0 ISHARES S&P 100 ETF 464287101 235296 1258 SH SOLE 1258 0 0 ISHARES SELECT DIVID ETF 464287168 730969 6238 SH DFND 450 0 5788 ISHARES SELECT DIVID ETF 464287168 565979 4830 SH SOLE 4830 0 0 ISHARES CORE S&P500 ETF 464287200 1144858 2785 SH DFND 0 0 2785 ISHARES CORE S&P500 ETF 464287200 279534 680 SH SOLE 680 0 0 ISHARES IBOXX INV CP ETF 464287242 811772 7406 SH SOLE 7178 0 228 ISHARES GBL COMM SVC ETF 464287275 32030 500 SH DFND 500 0 0 ISHARES S&P 500 GRWT ETF 464287309 352162 5512 SH SOLE 5512 0 0 ISHARES GLOB HLTHCRE ETF 464287325 300096 3600 SH DFND 3600 0 0 ISHARES GLOBAL ENERG ETF 464287341 237888 6300 SH DFND 6300 0 0 ISHARES S&P 500 VAL ETF 464287408 93939 619 SH SOLE 619 0 0 ISHARES ISHARES BIOTECH 464287556 116244 900 SH DFND 900 0 0 ISHARES RUS 2000 VAL ETF 464287630 191828 1400 SH SOLE 1400 0 0 ISHARES RUSSELL 2000 ETF 464287655 526637 2952 SH DFND 0 0 2952 ISHARES RUSSELL 2000 ETF 464287655 165377 927 SH SOLE 927 0 0 ISHARES U.S. TECH ETF 464287721 4641 50 SH SOLE 50 0 0 ISHARES SP SMCP600VL ETF 464287879 448015 4787 SH SOLE 3787 0 1000 ISHARES SHORT TREAS BD 464288679 110500 1000 SH DFND 1000 0 0 ISHARES EAFE VALUE ETF 464288877 776 16 SH DFND 0 0 16 ISHARES EAFE VALUE ETF 464288877 26061 537 SH SOLE 537 0 0 ISHARES ISHARES 46428Q109 66360 3000 SH DFND 0 0 3000 ISHARES ISHARES 46428Q109 34308 1551 SH SOLE 1551 0 0 ISHARES CORE MSCI EAFE 46432F842 578520 8654 SH DFND 1205 0 7449 ISHARES CORE MSCI EAFE 46432F842 25604 383 SH SOLE 383 0 0 ISHARES TR MSCI EMG MKT ETF 464287234 193236 4897 SH SOLE 4897 0 0 ISHARES TR MSCI EAFE MIN VL 46429B689 1264987 18699 SH SOLE 18699 0 0 ISHARES TRUST TIPS BD ETF 464287176 14112 128 SH DFND 0 0 128 ISHARES TRUST GLOBAL TECH ETF 464287291 309852 5700 SH DFND 5700 0 0 ISHARES TRUST GLOBAL TECH ETF 464287291 198958 3660 SH SOLE 3660 0 0 ISHARES TRUST 1 3 YR TREAS BD 464287457 542256 6600 SH DFND 6600 0 0 ISHARES TRUST 1 3 YR TREAS BD 464287457 857915 10442 SH SOLE 10136 0 306 ISHARES TRUST RUS 1000 VAL ETF 464287598 43699 287 SH SOLE 287 0 0 ISHARES TRUST GL TIMB FORE ETF 464288174 53693 750 SH DFND 750 0 0 ISHARES TRUST GL CLEAN ENE ETF 464288224 100878 5100 SH SOLE 5100 0 0 ISHARES/USA RUS 1000 GRW ETF 464287614 48866 200 SH SOLE 200 0 0 ISHARES/USA NATIONAL MUN ETF 464288414 727245 6750 SH DFND 0 0 6750 ISHARES/USA NATIONAL MUN ETF 464288414 209554 1945 SH SOLE 1945 0 0 ITRON INC COM 465741106 22180 400 SH DFND 300 0 100 Ingevity Corp COM 45688C107 107280 1500 SH DFND 0 0 1500 Intel Corp COM 458140100 760525 23279 SH DFND 449 0 22830 Intel Corp COM 458140100 1108362 33926 SH SOLE 30921 0 3005 International Paper Co COM 460146103 1803 50 SH DFND 0 0 50 International Paper Co COM 460146103 54775 1519 SH SOLE 1519 0 0 Interpublic Group of Cos Inc/T COM 460690100 130340 3500 SH DFND 0 0 3500 Intuitive Surgical Inc COM NEW 46120E602 73831 289 SH DFND 237 0 52 Intuitive Surgical Inc COM NEW 46120E602 3835882 15015 SH SOLE 14567 0 448 Invesco Capital Management LLC UNIT SER 1 46090E103 502897 1567 SH DFND 0 0 1567 Invesco Capital Management LLC UNIT SER 1 46090E103 242302 755 SH SOLE 755 0 0 Invesco Capital Management LLC OPTIMUM YIELD 46090F100 18372 1292 SH SOLE 1292 0 0 Invesco Capital Management LLC INDIA ETF 46137R109 61948 3000 SH DFND 3000 0 0 Invesco Capital Management LLC S&P500 EQL ENR 46137V365 122994 1800 SH DFND 1800 0 0 Invesco Capital Management LLC NASDAQ INTERNT 46137V530 14089 100 SH DFND 100 0 0 Invesco Capital Management LLC DYNMC SOFTWARE 46137V639 10145 100 SH DFND 100 0 0 Invesco Capital Management LLC DYNMC PHRMCTLS 46137V662 68400 900 SH DFND 900 0 0 Invesco Capital Management LLC S&P GBL WATER 46138E263 119664 2400 SH DFND 2400 0 0 Invesco Capital Management LLC S&P500 LOW VOL 46138E354 21278 341 SH SOLE 341 0 0 Invesco Capital Management LLC PFD ETF 46138E511 82266 7166 SH DFND 2371 0 4795 Invesco Capital Management LLC PFD ETF 46138E511 4502858 392235 SH SOLE 389247 0 2988 Invesco Capital Management LLC EMRNG MKT SVRG 46138E784 10990 573 SH SOLE 573 0 0 Invesco Capital Management LLC S&P SMALLCAP 600 46138G664 3365 30 SH DFND 0 0 30 Invesco Capital Management LLC S&P SMALLCAP 600 46138G664 58654 523 SH SOLE 523 0 0 Invesco Capital Management LLC S&P 500 REVENUE 46138G698 97104 1276 SH DFND 616 0 660 Invesco Capital Management LLC S&P 500 REVENUE 46138G698 3098716 40719 SH SOLE 39251 0 1468 Invesco Capital Management LLC SOLAR ETF 46138G706 388 5 SH DFND 0 0 5 Invesco ETFs/USA S&P500 EQL HLT 46137V332 43752 150 SH DFND 150 0 0 JPMorgan Chase & Co COM 46625H100 962991 7390 SH DFND 3744 0 3646 JPMorgan Chase & Co COM 46625H100 8320424 63851 SH SOLE 60730 0 3121 JUNIPER NETWORKS COM 48203R104 68840 2000 SH DFND 0 0 2000 Johnson & Johnson COM 478160104 2002755 12921 SH DFND 1887 0 11034 Johnson & Johnson COM 478160104 3236710 20882 SH SOLE 20482 0 400 Johnson Controls International SHS G51502105 12887 214 SH DFND 0 0 214 Johnson Controls International SHS G51502105 2168 36 SH SOLE 36 0 0 KB Home COM 48666K109 24108 600 SH DFND 600 0 0 KELLOGG CO COM 487836108 3214 48 SH DFND 0 0 48 KELLOGG CO COM 487836108 92740 1385 SH SOLE 1385 0 0 KIMBERLY-CLARK CP COM 494368103 389238 2900 SH DFND 237 0 2663 KIMBERLY-CLARK CP COM 494368103 5232969 38988 SH SOLE 37893 0 1095 KIMCO REALTY COM 49446R109 17577 900 SH DFND 0 0 900 KLA Corp COM NEW 482480100 3992 10 SH SOLE 10 0 0 KRAFT FOODS INC CL A 609207105 133095 1909 SH DFND 0 0 1909 KRAFT FOODS INC CL A 609207105 154430 2215 SH SOLE 2215 0 0 KeyCorp COM 493267108 87640 7000 SH DFND 0 0 7000 KeyCorp COM 493267108 12520 1000 SH SOLE 1000 0 0 Kinder Morgan Inc COM 49456B101 35020 2000 SH DFND 0 0 2000 Kinder Morgan Inc COM 49456B101 3852 220 SH SOLE 220 0 0 Kraft Heinz Co/The COM 500754106 35963 930 SH DFND 0 0 930 Kraft Heinz Co/The COM 500754106 77 2 SH SOLE 2 0 0 KraneShares ETFs/USA QUADRTC INT RT 500767736 25674 1130 SH DFND 0 0 1130 Kyndryl Holdings Inc COMMON STOCK 50155Q100 5107 346 SH DFND 0 0 346 Kyndryl Holdings Inc COMMON STOCK 50155Q100 2952 200 SH SOLE 200 0 0 L3Harris Technologies Inc COM 502431109 83991 428 SH DFND 0 0 428 L3Harris Technologies Inc COM 502431109 168963 861 SH SOLE 861 0 0 LOWE'S COS INC COM 548661107 182573 913 SH DFND 198 0 715 LOWE'S COS INC COM 548661107 932060 4661 SH SOLE 2393 0 2268 LUCID GROUP INC COM 549498103 4261 530 SH DFND 0 0 530 LULULEMON ATHLETIC COM 550021109 50987 140 SH DFND 0 0 140 Laboratory Corp of America Hol COM NEW 50540R409 229420 1000 SH DFND 0 0 1000 Lamb Weston Holdings Inc COM 513272104 27802 266 SH DFND 0 0 266 Leggett & Platt Inc COM 524660107 127520 4000 SH DFND 800 0 3200 Lincoln National Corp COM 534187109 87633 3900 SH DFND 0 0 3900 Lindsay Corp COM 535555106 45339 300 SH DFND 300 0 0 Lithium Americas Corp COM NEW 53680Q207 4352 200 SH DFND 0 0 200 Lockheed Martin Corp COM 539830109 21746 46 SH DFND 0 0 46 Lockheed Martin Corp COM 539830109 87928 186 SH SOLE 186 0 0 Loews Corp COM 126117100 23418 600 SH DFND 0 0 600 Lumentum Holdings Inc COM 55024U109 21604 400 SH DFND 400 0 0 M&T Bank Corp COM 55261F104 59785 500 SH DFND 0 0 500 MARATHON OIL CORP COM 565849106 47297 1974 SH DFND 0 0 1974 MARSH & MCLENNAN COM 571748102 102928 618 SH SOLE 618 0 0 MASTERCARD INC CL A 57636Q104 182432 502 SH DFND 220 0 282 MASTERCARD INC CL A 57636Q104 6888437 18955 SH SOLE 18358 0 597 MATTEL INC COM 577081102 1841 100 SH DFND 0 0 100 MCCORMICK & CO INC COM NON VTG 579780206 50342 605 SH SOLE 605 0 0 MCDONALD'S CORP COM 580135101 1910855 6834 SH DFND 196 0 6638 MCDONALD'S CORP COM 580135101 9435439 33745 SH SOLE 33082 0 663 MCKESSON CORP COM 58155Q103 90437 254 SH SOLE 29 0 225 MDC Holdings Inc COM 552676108 25654 660 SH DFND 0 0 660 MDU RES GROUP INC COM 552690109 57912 1900 SH DFND 1900 0 0 MICROSOFT CORP COM 594918104 8356087 28984 SH DFND 2770 0 26214 MICROSOFT CORP COM 594918104 25716648 89201 SH SOLE 84433 0 4768 MOLSON COORS BREWING CO CL B 60871R209 2584 50 SH SOLE 50 0 0 MSC Industrial Direct Co Inc CL A 553530106 134400 1600 SH DFND 0 0 1600 Macerich Co/The COM 554382101 74677 7045 SH DFND 0 0 7045 Madison Square Garden Co/The CL A 55825T103 83006 426 SH DFND 426 0 0 Marathon Petroleum Corp COM 56585A102 218964 1624 SH DFND 0 0 1624 Marathon Petroleum Corp COM 56585A102 6876 51 SH SOLE 51 0 0 Marriott International Inc/MD CL A 571903202 162553 979 SH SOLE 979 0 0 Marriott Vacations Worldwide C COM 57164Y107 11733 87 SH SOLE 87 0 0 Masco Corp COM 574599106 174020 3500 SH DFND 0 0 3500 Medtronic PLC SHS G5960L103 141569 1756 SH DFND 0 0 1756 Medtronic PLC SHS G5960L103 10319 128 SH SOLE 128 0 0 Merck & Co Inc COM 58933Y105 637063 5988 SH DFND 2106 0 3882 Merck & Co Inc COM 58933Y105 8395341 78911 SH SOLE 77023 0 1888 MetLife Inc COM 59156R108 86910 1500 SH DFND 0 0 1500 MetLife Inc COM 59156R108 110086 1900 SH SOLE 750 0 1150 Microchip Technology Inc COM 595017104 274798 3280 SH DFND 0 0 3280 Microchip Technology Inc COM 595017104 362013 4321 SH SOLE 4321 0 0 Micron Technology Inc COM 595112103 1810 30 SH DFND 0 0 30 Moderna Inc COM 60770K107 1536 10 SH DFND 0 0 10 Moderna Inc COM 60770K107 18122 118 SH SOLE 118 0 0 Monroe Capital Corp COM 610335101 66647 8712 SH DFND 0 0 8712 NBT Bancorp Inc COM 628778102 1186457 35196 SH DFND 0 0 35196 NBT Bancorp Inc COM 628778102 412543 12238 SH SOLE 12238 0 0 NEWMONT MINING CP COM 651639106 79903 1630 SH DFND 1630 0 0 NEXTERA ENERGY COM 65339F101 164489 2134 SH DFND 0 0 2134 NEXTERA ENERGY COM 65339F101 394495 5118 SH SOLE 5118 0 0 NGL Energy Partners LP COM UNIT REPST 62913M107 3770 1300 SH DFND 0 0 1300 NIKE INC CL B 654106103 264902 2160 SH DFND 0 0 2160 NIKE INC CL B 654106103 390976 3188 SH SOLE 1888 0 1300 NRG Energy Inc COM NEW 629377508 3429 100 SH DFND 100 0 0 NVIDIA Corp COM 67066G104 111108 400 SH DFND 400 0 0 NVIDIA Corp COM 67066G104 6944250 25000 SH SOLE 22621 0 2379 National Amusements Inc CLASS A COM 92556H107 646 25 SH DFND 0 0 25 National Amusements Inc CLASS B COM 92556H206 580 26 SH DFND 0 0 26 National Amusements Inc CLASS B COM 92556H206 4350 195 SH SOLE 195 0 0 NewtekOne Inc COM NEW 652526203 3840 300 SH DFND 0 0 300 Nokia Oyj SPONSORED ADR 654902204 982 200 SH SOLE 200 0 0 Norfolk Southern Corp COM 655844108 95400 450 SH SOLE 450 0 0 Norwood Financial Corp COM 669549107 147100 5000 SH SOLE 5000 0 0 Novartis AG SPONSORED ADR 66987V109 111320 1210 SH DFND 650 0 560 Novartis AG SPONSORED ADR 66987V109 131928 1434 SH SOLE 1434 0 0 Novocure Ltd ORD SHS G6674U108 6014 100 SH DFND 0 0 100 Nucor Corp COM 670346105 7724 50 SH DFND 0 0 50 Nuveen Closed-End Funds/USA COM 67066X107 115975 10505 SH SOLE 10505 0 0 OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162 9543 234 SH DFND 0 0 234 OGE Energy Corp COM 670837103 7532 200 SH DFND 100 0 100 OMNICOM GROUP INC COM 681919106 204623 2169 SH DFND 0 0 2169 OMNICOM GROUP INC COM 681919106 5472 58 SH SOLE 58 0 0 ORACLE CORP COM 68389X105 219942 2367 SH DFND 2367 0 0 ORACLE CORP COM 68389X105 542839 5842 SH SOLE 3087 0 2755 Occidental Petroleum Corp COM 674599105 117119 1876 SH DFND 0 0 1876 Organon & Co COMMON STOCK 68622V106 8279 352 SH DFND 40 0 312 Organon & Co COMMON STOCK 68622V106 612 26 SH SOLE 26 0 0 Otis Worldwide Corp COM 68902V107 9875 117 SH DFND 0 0 117 Otis Worldwide Corp COM 68902V107 2954 35 SH SOLE 35 0 0 Ovintiv Inc COM 69047Q102 10608 294 SH DFND 0 0 294 Owens & Minor Inc COM 690732102 728 50 SH DFND 0 0 50 Owl Rock Capital Corp COM 69121K104 12169 965 SH DFND 0 0 965 Oxford Lane Closed End Funds/U COM 691543102 83680 16000 SH DFND 0 0 16000 PEPSICO INC COM 713448108 1367250 7500 SH DFND 2317 0 5183 PEPSICO INC COM 713448108 8314521 45609 SH SOLE 43865 0 1744 PG&E CORP COM 69331C108 4851 300 SH DFND 0 0 300 PHILIP MORRIS INTL COM 718172109 442488 4550 SH DFND 0 0 4550 PHILIP MORRIS INTL COM 718172109 227079 2335 SH SOLE 2335 0 0 PIMCO Access Income Fund/Fund SHS BENFIN INT 72203T100 10024 675 SH DFND 0 0 675 PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107 12710 1025 SH DFND 0 0 1025 PIMCO Funds/Closed-End/USA SHS 72201Y101 16759 930 SH DFND 0 0 930 PNC Financial Services Group I COM 693475105 322071 2534 SH DFND 0 0 2534 PPG Industries Inc COM 693506107 213995 1602 SH DFND 700 0 902 PPG Industries Inc COM 693506107 24312 182 SH SOLE 30 0 152 PPL CORP COM 69351T106 166740 6000 SH DFND 0 0 6000 PPL CORP COM 69351T106 36877 1327 SH SOLE 1327 0 0 PRUDENTIAL FINL COM 744320102 2896 35 SH SOLE 35 0 0 Pacific Investment Management Co LLC COM 72201B101 10600 850 SH DFND 0 0 850 Palantir Technologies Inc CL A 69608A108 4225 500 SH DFND 0 0 500 Parametric Portfolio Associates LLC COM 27828Y108 3789 300 SH SOLE 300 0 0 PayPal Holdings Inc COM 70450Y103 136768 1801 SH DFND 1600 0 201 PayPal Holdings Inc COM 70450Y103 3783103 49817 SH SOLE 46745 0 3072 Paychex Inc COM 704326107 225628 1969 SH DFND 0 0 1969 Paychex Inc COM 704326107 421233 3676 SH SOLE 3676 0 0 Penn Entertainment Inc COM 707569109 2966 100 SH SOLE 100 0 0 Pfizer Inc COM 717081103 1065206 26108 SH DFND 3600 0 22508 Pfizer Inc COM 717081103 557899 13674 SH SOLE 13674 0 0 Phillips 66 COM 718546104 156531 1544 SH DFND 0 0 1544 Pinnacle West Capital Corp COM 723484101 285264 3600 SH DFND 0 0 3600 Plug Power Inc COM NEW 72919P202 1406 120 SH DFND 0 0 120 Portland General Electric Co COM NEW 736508847 29334 600 SH DFND 600 0 0 ProShare Advisors LLC S&P 500 DV ARIST 74348A467 1825 20 SH DFND 0 0 20 Procter & Gamble Co/The COM 742718109 5785528 38910 SH DFND 0 0 38910 Procter & Gamble Co/The COM 742718109 1901745 12790 SH SOLE 11765 0 1025 Public Service Enterprise Grou COM 744573106 167304 2679 SH DFND 602 0 2077 Public Service Enterprise Grou COM 744573106 6337926 101488 SH SOLE 99542 0 1946 Public Storage COM 74460D109 111792 370 SH DFND 157 0 213 Public Storage COM 74460D109 5243640 17355 SH SOLE 16895 0 460 QUALCOMM Inc COM 747525103 255160 2000 SH DFND 0 0 2000 QUALCOMM Inc COM 747525103 3190 25 SH SOLE 25 0 0 REALTY INCOME CORP COM 756109104 126640 2000 SH DFND 0 0 2000 RESTAURANT BRANDS INTERNATIONA COM 76131D103 67140 1000 SH DFND 0 0 1000 RMR Group Inc/The CL A 74967R106 1286 49 SH DFND 0 0 49 ROBLOX Corp CL A 771049103 4498 100 SH SOLE 100 0 0 ROCKWELL AUTOMATION COM 773903109 151420 516 SH DFND 316 0 200 Ralph Lauren Corp CL A 751212101 116670 1000 SH DFND 0 0 1000 Raytheon Technologies Corp COM 75513E101 471435 4814 SH DFND 817 0 3997 Raytheon Technologies Corp COM 75513E101 101358 1035 SH SOLE 102 0 933 Regency Centers Corp COM 758849103 122360 2000 SH DFND 0 0 2000 Rio Tinto PLC SPONSORED ADR 767204100 164640 2400 SH DFND 0 0 2400 Rivian Automotive Inc COM CL A 76954A103 232 15 SH DFND 0 0 15 Rivian Automotive Inc COM CL A 76954A103 2709 175 SH SOLE 175 0 0 Roundhill Financial Inc ROUNDHILL SPORTS 53656F789 6496 400 SH DFND 400 0 0 Royal Bank of Canada COM 780087102 229392 2400 SH DFND 0 0 2400 S&P Global Inc COM 78409V104 101707 295 SH SOLE 295 0 0 SACHEM CAPITAL CORP COM 78590A109 10490 2820 SH DFND 0 0 2820 SALESFORCE.COM INC COM 79466L302 114074 571 SH DFND 21 0 550 SANDSTORM GOLD LTD COM NEW 80013R206 6972 1200 SH DFND 0 0 1200 SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 22138 171 SH SOLE 171 0 0 SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 1569 21 SH DFND 0 0 21 SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 112065 1500 SH SOLE 1500 0 0 SELECT SECTOR SPDR SBI CONS DISCR 81369Y407 45909 307 SH SOLE 307 0 0 SELECT SECTOR SPDR ENERGY 81369Y506 149094 1800 SH DFND 1800 0 0 SELECT SECTOR SPDR FINANCIAL 81369Y605 56263 1750 SH DFND 0 0 1750 SELECT SECTOR SPDR FINANCIAL 81369Y605 41827 1301 SH SOLE 1301 0 0 SELECT SECTOR SPDR TECHNOLOGY 81369Y803 1248249 8266 SH DFND 600 0 7666 SIMON PROP GROUP COM 828806109 1680 15 SH SOLE 15 0 0 SMUCKER(JM)CO COM NEW 832696405 36982 235 SH DFND 0 0 235 SNAP INC CL A 83304A106 112 10 SH DFND 0 0 10 SPDR DOW JONES IND UT SER 1 78467X109 893085 2685 SH DFND 0 0 2685 SPDR GOLD TRUST GOLD SHS 78463V107 5497 30 SH SOLE 30 0 0 SPDR SERIES TRUST BBG CONV SEC ETF 78464A359 87728 1308 SH SOLE 1308 0 0 SPDR SERIES TRUST S&P REGL BKG 78464A698 78948 1800 SH SOLE 1800 0 0 SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104 825564 53400 SH DFND 53400 0 0 SSGA FUNDS MANAGEMENT PORTFOLIO SHORT 78464A474 207 7 SH DFND 0 0 7 SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102 48482 400 SH DFND 400 0 0 SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 11761 362 SH SOLE 362 0 0 SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508 1018 25 SH DFND 0 0 25 SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408 50947 2051 SH SOLE 2051 0 0 SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606 50832 2212 SH SOLE 2212 0 0 SSGA Funds Management Inc S&P DIVID ETF 78464A763 74226 600 SH DFND 600 0 0 SSGA Funds Management Inc S&P DIVID ETF 78464A763 191998 1552 SH SOLE 1552 0 0 SSgA Funds Management Inc TR UNIT 78462F103 1749323 4273 SH DFND 511 0 3762 SSgA Funds Management Inc TR UNIT 78462F103 881007 2152 SH SOLE 2152 0 0 SSgA Funds Management Inc PRTFLO S&P500 GW 78464A409 33216 600 SH SOLE 600 0 0 SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839 595 9 SH DFND 0 0 9 STARBUCKS CORP COM 855244109 77993 749 SH DFND 552 0 197 STARBUCKS CORP COM 855244109 3351528 32186 SH SOLE 31124 0 1062 STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 872813 1904 SH DFND 0 0 1904 SUNPOWER CORP COM 867652406 692 50 SH DFND 0 0 50 Sarepta Therapeutics Inc COM 803607100 22328 162 SH SOLE 162 0 0 Schlumberger NV COM STK 806857108 196400 4000 SH DFND 400 0 3600 Schwab ETFs/USA SHT TM US TRES 808524862 1464 30 SH DFND 0 0 30 Selective Insurance Group Inc COM 816300107 137085 1438 SH SOLE 1438 0 0 Shake Shack Inc CL A 819047101 2775 50 SH DFND 0 0 50 Shell PLC SPON ADS 780259305 185854 3230 SH DFND 0 0 3230 Sherwin-Williams Co/The COM 824348106 2023 9 SH SOLE 9 0 0 Skyworks Solutions Inc COM 83088M102 11798 100 SH DFND 0 0 100 Snap-on Inc COM 833034101 172823 700 SH DFND 0 0 700 Snowflake Inc CL A 833445109 15429 100 SH DFND 100 0 0 Sony Group Corp SPONSORED ADR 835699307 4533 50 SH DFND 0 0 50 Southern Co/The COM 842587107 38617 555 SH DFND 0 0 555 Southern Co/The COM 842587107 132202 1900 SH SOLE 1900 0 0 Sprott Asset Management CEFs TR UNIT 85207K107 592140 71000 SH DFND 71000 0 0 Sprott Asset Management CEFs TR UNIT 85208R101 809348 42800 SH DFND 42800 0 0 Stanley Black & Decker Inc COM 854502101 120870 1500 SH DFND 0 0 1500 Stanley Black & Decker Inc COM 854502101 171635 2130 SH SOLE 2130 0 0 State Street Corp COM 857477103 32547 430 SH DFND 100 0 330 State Street ETF/USA S&P RETAIL ETF 78464A714 57078 900 SH DFND 900 0 0 State Street Global Advisors Inc S&P INTL SMLCP 78463X871 55746 1800 SH DFND 1800 0 0 State Street Global Advisors Inc S&P 600 SMCP GRW 78464A201 22125 300 SH DFND 300 0 0 State Street Global Advisors Inc S&P SEMICNDCTR 78464A862 20862 100 SH DFND 100 0 0 State Street Global Advisors Inc S&P BIOTECH 78464A870 53347 700 SH DFND 700 0 0 State Street Global Advisors Inc BLOOMBERG HIGH Y 78468R622 27382 295 SH SOLE 295 0 0 State Street Global Advisors Inc BLOOMBERG 1-3 MO 78468R663 14508 158 SH DFND 158 0 0 State Street Global Advisors Inc PRTFLO S&P500 HI 78468R788 102600 2700 SH SOLE 2700 0 0 State Street Global Advisors Inc SBI INT-INDS 81369Y704 39663 392 SH SOLE 392 0 0 State Street Global Advisors Inc RL EST SEL SEC 81369Y860 748 20 SH DFND 0 0 20 Stryker Corp COM 863667101 300029 1051 SH DFND 159 0 892 Stryker Corp COM 863667101 4323729 15146 SH SOLE 14218 0 928 Summit Materials Inc CL A 86614U100 28946 1016 SH DFND 1016 0 0 Sunrun Inc COM 86771W105 2015 100 SH SOLE 100 0 0 Sylvamo Corp COMMON STOCK 871332102 648 14 SH SOLE 14 0 0 Sysco Corp COM 871829107 671901 8700 SH DFND 0 0 8700 TE Connectivity Ltd SHS H84989104 22296 170 SH DFND 0 0 170 TE Connectivity Ltd SHS H84989104 56657 432 SH SOLE 432 0 0 TEKLA HEALTHCARE SH BEN INT 87911J103 8207 465 SH DFND 0 0 465 TEKLA WORLD HEALTH BEN INT SHS 87911L108 8794 640 SH DFND 0 0 640 TEXAS INSTRUMENTS COM 882508104 423173 2275 SH DFND 0 0 2275 TEXAS INSTRUMENTS COM 882508104 237721 1278 SH SOLE 1278 0 0 TJX Cos Inc/The COM 872540109 232964 2973 SH DFND 606 0 2367 TJX Cos Inc/The COM 872540109 6852347 87447 SH SOLE 82232 0 5215 TORONTO-DOMINION COM NEW 891160509 71880 1200 SH DFND 0 0 1200 TRAVELERS CO INC COM 89417E109 51423 300 SH DFND 0 0 300 TRAVELERS CO INC COM 89417E109 68907 402 SH SOLE 402 0 0 TSMC SPONSORED ADS 874039100 106973 1150 SH DFND 1150 0 0 Tanger Factory Outlet Centers COM 875465106 13741 700 SH DFND 0 0 700 Target Corp COM 87612E106 335401 2025 SH DFND 0 0 2025 Target Corp COM 87612E106 300618 1815 SH SOLE 1815 0 0 Tesla Inc COM 88160R101 238164 1148 SH DFND 0 0 1148 Tesla Inc COM 88160R101 68462 330 SH SOLE 330 0 0 Thermo Fisher Scientific Inc COM 883556102 860520 1493 SH DFND 490 0 1003 Thermo Fisher Scientific Inc COM 883556102 227666 395 SH SOLE 395 0 0 Tompkins Financial Corp COM 890110109 48036414 725516 SH DFND 0 0 725516 Tompkins Financial Corp COM 890110109 29707103 448680 SH SOLE 0 0 448680 TopBuild Corp COM 89055F103 80758 388 SH DFND 0 0 388 TriplePoint Venture Growth BDC COM 89677Y100 17516 1450 SH DFND 0 0 1450 Truist Financial Corp COM 89832Q109 191131 5605 SH DFND 0 0 5605 Truist Financial Corp COM 89832Q109 2558 75 SH SOLE 75 0 0 TrustCo Bank Corp NY COM NEW 898349204 1501 47 SH DFND 0 0 47 Tyson Foods Inc CL A 902494103 100963 1702 SH DFND 0 0 1702 Tyson Foods Inc CL A 902494103 41287 696 SH SOLE 696 0 0 UGI Corp COM 902681105 87734 2524 SH SOLE 2524 0 0 US Bancorp COM NEW 902973304 4326 120 SH SOLE 120 0 0 USA Compression Partners LP COMUNIT LTDPAR 90290N109 23560 1115 SH DFND 0 0 1115 UTD PARCEL SERV CL B 911312106 320471 1652 SH DFND 249 0 1403 UTD PARCEL SERV CL B 911312106 7456006 38435 SH SOLE 37325 0 1110 Unilever PLC SPON ADR NEW 904767704 5193 100 SH SOLE 100 0 0 Union Pacific Corp COM 907818108 142492 708 SH DFND 0 0 708 Union Pacific Corp COM 907818108 189989 944 SH SOLE 544 0 400 United States Steel Corp COM 912909108 5220 200 SH SOLE 200 0 0 UnitedHealth Group Inc COM 91324P102 472590 1000 SH DFND 0 0 1000 UnitedHealth Group Inc COM 91324P102 206522 437 SH SOLE 437 0 0 VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700 104232 1200 SH DFND 1200 0 0 VANECK VECTORS ETF JUNIOR GOLD MINE 92189F791 59250 1500 SH DFND 1500 0 0 VANECK VECTORS ETF VANECK VIETNAM 92189F817 14616 1200 SH DFND 1200 0 0 VANGUARD S&P 500 ETF SHS 922908363 1083082 2880 SH DFND 1537 0 1343 VANGUARD S&P 500 ETF SHS 922908363 3255262 8656 SH SOLE 8470 0 186 VANGUARD ETF/USA DIV APP ETF 921908844 92406 600 SH DFND 600 0 0 VANGUARD ETF/USA DIV APP ETF 921908844 62836 408 SH SOLE 408 0 0 VANGUARD ETF/USA LONG TERM BOND 921937793 11036 144 SH SOLE 144 0 0 VANGUARD ETF/USA STRM INFPROIDX 922020805 1649551 34495 SH DFND 5700 0 28795 VANGUARD ETF/USA STRM INFPROIDX 922020805 2248 47 SH SOLE 47 0 0 VANGUARD ETF/USA GLB EX US ETF 922042676 24342 600 SH DFND 600 0 0 VANGUARD ETF/USA FTSE EMR MKT ETF 922042858 49571 1227 SH SOLE 1227 0 0 VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 3125 41 SH DFND 0 0 41 VANGUARD ETF/USA INT-TERM CORP 92206C870 17648 220 SH SOLE 220 0 0 VANGUARD ETF/USA SM CP VAL ETF 922908611 42548 268 SH SOLE 268 0 0 VANGUARD ETF/USA TOTAL STK MKT 922908769 891101 4366 SH DFND 325 0 4041 VANGUARD ETF/USA TOTAL STK MKT 922908769 226551 1110 SH SOLE 1110 0 0 VANGUARD GROUP SHORT TRM BOND 921937827 5966 78 SH DFND 78 0 0 VANGUARD GROUP SHORT TRM BOND 921937827 107010 1399 SH SOLE 1399 0 0 VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407 7534 154 SH SOLE 154 0 0 VANGUARD INTL EQUI FTSE EUROPE ETF 922042874 215154 3530 SH SOLE 582 0 2948 VERIZON COMMUN COM 92343V104 808251 20783 SH DFND 1780 0 19003 VERIZON COMMUN COM 92343V104 6630201 170486 SH SOLE 167416 0 3070 VF Corp COM 918204108 4078 178 SH SOLE 178 0 0 VIATRIS INC COM 92556V106 21991 2286 SH DFND 111 0 2175 VIATRIS INC COM 92556V106 5070 527 SH SOLE 527 0 0 VISA INC COM CL A 92826C839 7891 35 SH DFND 0 0 35 VISA INC COM CL A 92826C839 345630 1533 SH SOLE 1533 0 0 VMware Inc CL A COM 928563402 2247 18 SH SOLE 18 0 0 Valero Energy Corp COM 91913Y100 9772 70 SH SOLE 70 0 0 Valley National Bancorp COM 919794107 148533 16075 SH DFND 0 0 16075 Valvoline Inc COM 92047W101 329973 9444 SH DFND 0 0 9444 Van Eck Absolute Return Advisers Corp DIGI TRANSFRM 92189H821 1856 400 SH DFND 400 0 0 Van Eck Associates Corp GOLD MINERS ETF 92189F106 155280 4800 SH DFND 4800 0 0 Van Eck Associates Corp FALLEN ANGEL HG 92189F437 43571 1555 SH DFND 0 0 1555 Van Eck Associates Corp JP MRGAN EM LOC 92189H300 12044 477 SH SOLE 477 0 0 Van Eck Associates Corp RARE EARTH/STRTG 92189H805 81580 1000 SH DFND 1000 0 0 Vanguard ETF/USA 500 GRTH IDX F 921932505 1237678 5370 SH SOLE 5068 0 302 Vanguard ETF/USA VAN FTSE DEV MKT 921943858 1168593 25871 SH DFND 22715 0 3156 Vanguard ETF/USA VAN FTSE DEV MKT 921943858 12804385 283471 SH SOLE 282434 0 1037 Vanguard ETF/USA ENERGY ETF 92204A306 171345 1500 SH DFND 1500 0 0 Vanguard ETF/USA HEALTH CAR ETF 92204A504 71538 300 SH DFND 300 0 0 Vanguard ETF/USA HEALTH CAR ETF 92204A504 130438 547 SH SOLE 547 0 0 Vanguard ETF/USA INF TECH ETF 92204A702 115641 300 SH DFND 300 0 0 Vanguard ETF/USA UTILITIES ETF 92204A876 95888 650 SH DFND 650 0 0 Vanguard ETF/USA MCAP VL IDXVIP 922908512 16357 122 SH SOLE 122 0 0 Vanguard ETF/USA REAL ESTATE ETF 922908553 60204 725 SH DFND 300 0 425 Vanguard ETF/USA REAL ESTATE ETF 922908553 748772 9017 SH SOLE 7997 0 1020 Vanguard ETF/USA SML CP GRW ETF 922908595 33544 155 SH SOLE 155 0 0 Vanguard ETF/USA MID CAP ETF 922908629 31638 150 SH DFND 150 0 0 Vanguard ETF/USA MID CAP ETF 922908629 380289 1803 SH SOLE 1803 0 0 Vanguard ETF/USA GROWTH ETF 922908736 40908 164 SH SOLE 164 0 0 Vanguard ETF/USA VALUE ETF 922908744 47924 347 SH SOLE 347 0 0 Vanguard ETF/USA SMALL CP ETF 922908751 207568 1095 SH DFND 740 0 355 Vanguard ETF/USA SMALL CP ETF 922908751 1695993 8947 SH SOLE 8903 0 44 Vanguard Group Inc/The TOTAL BND MRKT 921937835 6626833 89758 SH SOLE 87153 0 2605 Vanguard Group Inc/The INTER TERM TREAS 92206C706 35197 587 SH SOLE 587 0 0 Ventas Inc COM 92276F100 2601 60 SH SOLE 60 0 0 Vertex Pharmaceuticals Inc COM 92532F100 4726 15 SH SOLE 15 0 0 Victoria's Secret & Co COMMON STOCK 926400102 3415 100 SH DFND 0 0 100 Vodafone Group PLC SPONSORED ADR 92857W308 16560 1500 SH SOLE 1500 0 0 Vontier Corp COM 928881101 10936 400 SH DFND 400 0 0 WASTE MANAGEMENT COM 94106L109 475477 2914 SH DFND 302 0 2612 WASTE MANAGEMENT COM 94106L109 8084094 49544 SH SOLE 48679 0 865 WEC Energy Group Inc COM 92939U106 47395 500 SH DFND 0 0 500 WEC Energy Group Inc COM 92939U106 178679 1885 SH SOLE 1885 0 0 WELLS FARGO & CO COM 949746101 50463 1350 SH DFND 0 0 1350 WELLS FARGO & CO COM 949746101 92329 2470 SH SOLE 2470 0 0 WESTN DIGITAL CORP COM 958102105 11301 300 SH DFND 0 0 300 WP Carey Inc COM 92936U109 31445 406 SH SOLE 406 0 0 WW Grainger Inc COM 384802104 296188 430 SH SOLE 430 0 0 Walgreens Boots Alliance Inc COM 931427108 22373 647 SH DFND 577 0 70 Walgreens Boots Alliance Inc COM 931427108 14005 405 SH SOLE 405 0 0 Walmart Inc COM 931142103 1141410 7741 SH DFND 673 0 7068 Walmart Inc COM 931142103 9754997 66158 SH SOLE 64661 0 1497 Walt Disney Co/The COM 254687106 400019 3995 SH DFND 738 0 3257 Walt Disney Co/The COM 254687106 361369 3609 SH SOLE 1859 0 1750 Warner Bros Discovery Inc COM SER A 934423104 79577 5270 SH DFND 0 0 5270 Warner Bros Discovery Inc COM SER A 934423104 92367 6117 SH SOLE 6117 0 0 Webster Financial Corp COM 947890109 991886 25162 SH DFND 0 0 25162 Westinghouse Air Brake Technol COM 929740108 11117 110 SH DFND 0 0 110 Westinghouse Air Brake Technol COM 929740108 6569 65 SH SOLE 65 0 0 Westrock Co COM 96145D105 23767 780 SH DFND 0 0 780 Wheaton Precious Metals Corp COM 962879102 11896 247 SH DFND 0 0 247 Whirlpool Corp COM 963320106 50564 383 SH DFND 0 0 383 Willis Towers Watson PLC SHS G96629103 2091 9 SH SOLE 9 0 0 WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578 106404 3822 SH DFND 1567 0 2255 WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578 582608 20927 SH SOLE 16848 0 4079 WisdomTree Asset Management Inc ITL HDG QTLY DIV 97717X594 61338 1556 SH DFND 0 0 1556 WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669 46755 750 SH DFND 750 0 0 WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 64124 780 SH DFND 0 0 780 WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 32144 391 SH SOLE 391 0 0 WisdomTree ETFs/USA US TOTAL DIVIDND 97717W109 78403 1294 SH SOLE 1294 0 0 Wolfspeed Inc COM 977852102 650 10 SH DFND 0 0 10 XA Investments LLC COM 98400T106 6425 1000 SH DFND 0 0 1000 Xylem Inc/NY COM 98419M100 41880 400 SH DFND 0 0 400 YUM BRANDS INC COM 988498101 198120 1500 SH DFND 0 0 1500 ZIMMER HLDGS INC COM 98956P102 55556 430 SH DFND 0 0 430 Zimmer Biomet Holdings Inc COM 98888T107 22 3 SH DFND 0 0 3 abrdn Funds COM SH BEN INT 00302L108 5562 1350 SH DFND 0 0 1350 iShares ETFs/USA MSCI PAC JP ETF 464286665 40024 914 SH SOLE 914 0 0 iShares ETFs/USA CORE US AGGBD ET 464287226 515338 5172 SH DFND 0 0 5172 iShares ETFs/USA CORE US AGGBD ET 464287226 246808 2477 SH SOLE 2477 0 0 iShares ETFs/USA JPMORGAN USD EMG 464288281 4918 57 SH SOLE 57 0 0 iShares ETFs/USA 3 7 YR TREAS BD 464288661 18471 157 SH DFND 0 0 157 iShares ETFs/USA IBONDS DEC24 ETF 46434VBG4 1030813 41920 SH DFND 0 0 41920 iShares ETFs/USA ESG AWR MSCI USA 46435G425 16914 187 SH SOLE 187 0 0 iShares ETFs/USA BROAD USD HIGH 46435U853 34164 961 SH SOLE 961 0 0 iShares/USA MSCI SWITZERLAND 464286749 126896 2800 SH DFND 2800 0 0 iSun Inc COM 465246106 103 100 SH DFND 0 0 100