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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Equities 88579Y101 302 1,519 SH   DFND   1,519 0 0
3M CO Equities 88579Y101 472 2,378 SH   SOLE   2,378 0 0
ABBOTT LABORATORIES Equities 002824100 104 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100 5,919 51,055 SH   SOLE   51,055 0 0
ABBVIE INC COM Equities 00287Y109 108 960 SH   DFND   960 0 0
ABBVIE INC COM Equities 00287Y109 6,911 61,355 SH   SOLE   61,355 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101 262 889 SH   SOLE   889 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 37 15 SH   DFND   15 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 791 324 SH   SOLE   324 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 68 27 SH   DFND   27 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 1,080 431 SH   SOLE   431 0 0
AMAZON.COM INC Equities 023135106 34 10 SH   DFND   10 0 0
AMAZON.COM INC Equities 023135106 530 154 SH   SOLE   154 0 0
AMERICAN EXPRESS CO Equities 025816109 33 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109 312 1,888 SH   SOLE   1,888 0 0
AMGEN INC Equities 031162100 123 505 SH   DFND   505 0 0
AMGEN INC Equities 031162100 268 1,099 SH   SOLE   1,099 0 0
APPLE INC Equities 037833100 349 2,546 SH   DFND   2,546 0 0
APPLE INC Equities 037833100 7,018 51,255 SH   SOLE   51,255 0 0
AT&T INC Equities 00206R102 87 3,015 SH   DFND   3,015 0 0
AT&T INC Equities 00206R102 748 25,991 SH   SOLE   25,991 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 302 1,521 SH   DFND   1,521 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 1,756 8,843 SH   SOLE   8,843 0 0
BECTON DICKINSON & CO Equities 075887109 158 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109 730 3,002 SH   SOLE   3,002 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 311 1,120 SH   SOLE   1,120 0 0
BLACKROCK INC Equities 09247X101 269 308 SH   SOLE   308 0 0
BOEING CO Equities 097023105 255 1,064 SH   SOLE   1,064 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 49 735 SH   DFND   735 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 530 7,935 SH   SOLE   7,935 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 40 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 392 2,952 SH   SOLE   2,952 0 0
CARRIER GLOBAL CORP Equities 14448C104 57 1,175 SH   DFND   1,175 0 0
CARRIER GLOBAL CORP Equities 14448C104 234 4,811 SH   SOLE   4,811 0 0
CATERPILLAR INC Equities 149123101 33 150 SH   DFND   150 0 0
CATERPILLAR INC Equities 149123101 440 2,023 SH   SOLE   2,023 0 0
CHEVRON CORP Equities 166764100 52 496 SH   DFND   496 0 0
CHEVRON CORP Equities 166764100 620 5,915 SH   SOLE   5,915 0 0
CHUBB LIMITED Equities H1467J104 46 289 SH   DFND   289 0 0
CHUBB LIMITED Equities H1467J104 1,026 6,454 SH   SOLE   6,454 0 0
CISCO SYSTEMS INC Equities 17275R102 174 3,280 SH   DFND   3,280 0 0
CISCO SYSTEMS INC Equities 17275R102 514 9,696 SH   SOLE   9,696 0 0
COCA COLA CO Equities 191216100 54 1,000 SH   DFND   1,000 0 0
COCA COLA CO Equities 191216100 979 18,095 SH   SOLE   18,095 0 0
COMCAST CORP CLASS A Equities 20030N101 30 529 SH   DFND   529 0 0
COMCAST CORP CLASS A Equities 20030N101 328 5,754 SH   SOLE   5,754 0 0
COSTCO WHOLESALE CORP Equities 22160K105 114 287 SH   DFND   287 0 0
COSTCO WHOLESALE CORP Equities 22160K105 1,786 4,514 SH   SOLE   4,514 0 0
CSX CORP Equities 126408103 15 480 SH   DFND   480 0 0
CSX CORP Equities 126408103 688 21,450 SH   SOLE   21,450 0 0
CVS HEALTH CORPORATION Equities 126650100 6 75 SH   DFND   75 0 0
CVS HEALTH CORPORATION Equities 126650100 299 3,587 SH   SOLE   3,587 0 0
DEERE & COMPANY Equities 244199105 45 127 SH   DFND   127 0 0
DEERE & COMPANY Equities 244199105 1,235 3,501 SH   SOLE   3,501 0 0
DISNEY WALT CO Equities 254687106 2,624 14,930 SH   SOLE   14,930 0 0
DOW INC Equities 260557103 8 127 SH   DFND   127 0 0
DOW INC Equities 260557103 195 3,086 SH   SOLE   3,086 0 0
ELEMENTS ROGERS INTL COMMODITY Equities 870297801 205 32,356 SH   SOLE   32,356 0 0
EMERSON ELECTRIC CO Equities 291011104 26 274 SH   DFND   274 0 0
EMERSON ELECTRIC CO Equities 291011104 255 2,647 SH   SOLE   2,647 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 481 3,800 SH   SOLE   3,800 0 0
EXXON MOBIL CORP Equities 30231G102 169 2,680 SH   DFND   2,680 0 0
EXXON MOBIL CORP Equities 30231G102 2,450 38,846 SH   SOLE   38,846 0 0
FEDEX CORP Equities 31428X106 37 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106 406 1,360 SH   SOLE   1,360 0 0
GENERAL ELECTRIC CO Equities 369604103 30 2,263 SH   DFND   2,263 0 0
GENERAL ELECTRIC CO Equities 369604103 286 21,258 SH   SOLE   21,258 0 0
GENERAL MILLS INC Equities 370334104 104 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104 156 2,557 SH   SOLE   2,557 0 0
HARLEY DAVIDSON INC Equities 412822108 641 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 5 25 SH   DFND   25 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 1,167 5,319 SH   SOLE   5,319 0 0
IDACORP INC Equities 451107106 128 1,308 SH   DFND   1,308 0 0
IDACORP INC Equities 451107106 130 1,330 SH   SOLE   1,330 0 0
INTEL CORP Equities 458140100 119 2,126 SH   DFND   2,126 0 0
INTEL CORP Equities 458140100 988 17,596 SH   SOLE   17,596 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 127 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 948 6,468 SH   SOLE   6,468 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 375 2,339 SH   SOLE   2,339 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 502 22,653 SH   SOLE   22,653 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 394 5,879 SH   SOLE   5,879 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 10 143 SH   DFND   143 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 2,597 35,426 SH   SOLE   35,426 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 2,591 6,026 SH   SOLE   6,026 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 492 1,829 SH   SOLE   1,829 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,725 14,952 SH   SOLE   14,952 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 86 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 1,153 14,616 SH   SOLE   14,616 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 674 12,215 SH   SOLE   12,215 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 279 2,100 SH   SOLE   2,100 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 3,005 13,099 SH   SOLE   13,099 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 81 259 SH   DFND   259 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 805 2,581 SH   SOLE   2,581 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 61 365 SH   DFND   365 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 350 2,114 SH   SOLE   2,114 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 145 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 2,741 34,588 SH   SOLE   34,588 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 706 6,700 SH   SOLE   6,700 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 452 5,580 SH   SOLE   5,580 0 0
JOHNSON AND JOHNSON Equities 478160104 204 1,241 SH   DFND   1,241 0 0
JOHNSON AND JOHNSON Equities 478160104 3,110 18,876 SH   SOLE   18,876 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 193 1,238 SH   DFND   1,238 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 2,314 14,880 SH   SOLE   14,880 0 0
KIMBERLY-CLARK CORP Equities 494368103 89 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103 532 3,978 SH   SOLE   3,978 0 0
LINDE PLC Equities G5494J103 166 575 SH   DFND   575 0 0
LINDE PLC Equities G5494J103 644 2,226 SH   SOLE   2,226 0 0
MCDONALDS CORP Equities 580135101 173 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101 908 3,929 SH   SOLE   3,929 0 0
MERCK & CO INC Equities 58933Y105 8 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105 339 4,362 SH   SOLE   4,362 0 0
MICROSOFT CORP Equities 594918104 965 3,564 SH   DFND   3,564 0 0
MICROSOFT CORP Equities 594918104 8,098 29,900 SH   SOLE   29,900 0 0
MONDELEZ INTL INC CL A Equities 609207105 258 4,124 SH   SOLE   4,124 0 0
NEXTERA ENERGY INC Equities 65339F101 118 1,612 SH   DFND   1,612 0 0
NEXTERA ENERGY INC Equities 65339F101 1,476 20,140 SH   SOLE   20,140 0 0
NORFOLK SOUTHERN CORP Equities 655844108 316 1,190 SH   SOLE   1,190 0 0
NOVARTIS AG ADR Equities 66987V109 32 350 SH   DFND   350 0 0
NOVARTIS AG ADR Equities 66987V109 483 5,291 SH   SOLE   5,291 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 3,285 207,225 SH   SOLE   207,225 0 0
NUVEEN CORP INC NOV 21 TARGET T Fixed Income 67077N106 115 12,225 SH   SOLE   12,225 0 0
ORACLE CORP Equities 68389X105 93 1,200 SH   DFND   1,200 0 0
ORACLE CORP Equities 68389X105 427 5,490 SH   SOLE   5,490 0 0
OTIS WORLDWIDE CORP Equities 68902V107 48 587 SH   DFND   587 0 0
OTIS WORLDWIDE CORP Equities 68902V107 181 2,214 SH   SOLE   2,214 0 0
PEPSICO INC Equities 713448108 185 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108 1,054 7,120 SH   SOLE   7,120 0 0
PFIZER INC Equities 717081103 74 1,877 SH   DFND   1,877 0 0
PFIZER INC Equities 717081103 414 10,571 SH   SOLE   10,571 0 0
PHILIP MORRIS INTL INC Equities 718172109 23 233 SH   DFND   233 0 0
PHILIP MORRIS INTL INC Equities 718172109 281 2,835 SH   SOLE   2,835 0 0
PHILLIPS 66 Equities 718546104 39 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104 250 2,912 SH   SOLE   2,912 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 713 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109 194 1,435 SH   DFND   1,435 0 0
PROCTER & GAMBLE CO Equities 742718109 2,705 20,048 SH   SOLE   20,048 0 0
QUALCOMM INC Equities 747525103 29 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103 753 5,266 SH   SOLE   5,266 0 0
RAYTHEON TECHS CORP Equities 75513E101 148 1,731 SH   DFND   1,731 0 0
RAYTHEON TECHS CORP Equities 75513E101 912 10,696 SH   SOLE   10,696 0 0
S&P GLOBAL INC Equities 78409V104 158 386 SH   DFND   386 0 0
S&P GLOBAL INC Equities 78409V104 647 1,577 SH   SOLE   1,577 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 345 4,566 SH   DFND   4,566 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 217 2,877 SH   SOLE   2,877 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 1,483 14,268 SH   SOLE   14,268 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 721 6,922 SH   SOLE   6,922 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 2,228 4,538 SH   SOLE   4,538 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 141 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 1,117 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109 618 5,527 SH   SOLE   5,527 0 0
STATE STREET CORPORATION Equities 857477103 66 804 SH   DFND   804 0 0
STATE STREET CORPORATION Equities 857477103 160 1,940 SH   SOLE   1,940 0 0
SUN LIFE FINANCIAL INC Equities 866796105 428 8,303 SH   SOLE   8,303 0 0
TARGET CORP Equities 87612E106 48 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106 1,260 5,211 SH   SOLE   5,211 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 511 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 36 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 571 2,746 SH   SOLE   2,746 0 0
US BANCORP Equities 902973304 313 5,502 SH   SOLE   5,502 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 605 11,743 SH   SOLE   11,743 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 43 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 952 17,530 SH   SOLE   17,530 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 2,272 7,923 SH   SOLE   7,923 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 555 5,302 SH   DFND   5,302 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 350 3,339 SH   SOLE   3,339 0 0
VANGUARD LARGE CAP ETF Equities 922908637 1,256 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816 222 960 SH   SOLE   960 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 343 3,369 SH   SOLE   3,369 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363 207 526 SH   SOLE   526 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 778 9,473 SH   SOLE   9,473 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 420 5,080 SH   SOLE   5,080 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 567 9,922 SH   SOLE   9,922 0 0
VANGUARD VALUE ETF Equities 922908744 2,782 20,235 SH   SOLE   20,235 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 107 1,906 SH   DFND   1,906 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 785 14,016 SH   SOLE   14,016 0 0
VF CORPORATION Equities 918204108 122 1,487 SH   DFND   1,487 0 0
VF CORPORATION Equities 918204108 779 9,500 SH   SOLE   9,500 0 0
VISA INC CL A Equities 92826C839 521 2,229 SH   SOLE   2,229 0 0
WALMART INC Equities 931142103 79 557 SH   DFND   557 0 0
WALMART INC Equities 931142103 151 1,074 SH   SOLE   1,074 0 0
WELLS FARGO & COMPANY Equities 949746101 168 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101 829 18,308 SH   SOLE   18,308 0 0