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 IRELAND SHS CLASS A G1151C101   2,200,483 7,131 SH   SOLE   6,631 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   154,290 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   679,084 1,782 SH   SOLE   1,782 0 0
AFLAC INC COM 001055102   409,167 5,862 SH   SOLE   5,862 0 0
AFLAC INC COM 001055102   31,759 455 SH   OTR   455 0 0
AT&T INC COM 00206R102   386,021 24,202 SH   SOLE   24,202 0 0
AT&T INC COM 00206R102   56,782 3,560 SH   OTR   3,560 0 0
ABBOTT LABS COM 002824100   880,663 8,078 SH   SOLE   8,058 0 20
ABBOTT LABS COM 002824100   51,784 475 SH   OTR   475 0 0
ABBVIE INC COM 00287Y109   1,973,525 14,648 SH   SOLE   14,648 0 0
ABBVIE INC COM 00287Y109   87,439 649 SH   OTR   649 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   555,003 1,135 SH   SOLE   1,135 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   24,449 50 SH   OTR   50 0 0
AGILENT TECHNOLOGIES INC COM 00846U101   212,361 1,766 SH   SOLE   1,766 0 0
AIR PRODS & CHEMS INC COM 009158106   634,704 2,119 SH   SOLE   2,119 0 0
AIR PRODS & CHEMS INC COM 009158106   26,358 88 SH   OTR   88 0 0
ALLIANT ENERGY CORP COM 018802108   214,118 4,080 SH   SOLE   4,080 0 0
ALLIANT ENERGY CORP COM 018802108   15,744 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101   215,681 1,978 SH   SOLE   1,978 0 0
ALPHABET INC CAP STK CL C 02079K107   273,513 2,261 SH   SOLE   2,261 0 0
ALPHABET INC CAP STK CL A 02079K305   3,581,783 29,923 SH   SOLE   29,923 0 0
ALPHABET INC CAP STK CL A 02079K305   131,670 1,100 SH   OTR   1,100 0 0
AMAZON COM INC COM 023135106   3,171,398 24,328 SH   SOLE   24,328 0 0
AMAZON COM INC COM 023135106   52,144 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,304,409 7,488 SH   SOLE   7,488 0 0
AMERIPRISE FINL INC COM 03076C106   293,961 885 SH   SOLE   885 0 0
AMERIPRISE FINL INC COM 03076C106   13,286 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   832,575 3,750 SH   SOLE   3,450 0 300
AMGEN INC COM 031162100   94,358 425 SH   OTR   425 0 0
APPLE INC COM 037833100   9,955,704 51,326 SH   SOLE   51,326 0 0
APPLE INC COM 037833100   265,738 1,370 SH   OTR   1,370 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   157,589 717 SH   SOLE   717 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   76,926 350 SH   OTR   350 0 0
AUTONATION INC COM 05329W102   292,841 1,779 SH   SOLE   1,779 0 0
AUTONATION INC COM 05329W102   18,436 112 SH   OTR   112 0 0
AUTOZONE INC COM 053332102   351,563 141 SH   SOLE   141 0 0
AUTOZONE INC COM 053332102   19,946 8 SH   OTR   8 0 0
BANK AMERICA CORP COM 060505104   895,041 31,197 SH   SOLE   30,797 0 400
BANK AMERICA CORP COM 060505104   36,579 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,235,596 6,556 SH   SOLE   6,556 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   307,923 903 SH   OTR   903 0 0
BLACKROCK INC COM 09247X101   901,246 1,304 SH   SOLE   1,304 0 0
BLACKROCK INC COM 09247X101   58,055 84 SH   OTR   84 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,221,666 19,103 SH   SOLE   19,103 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   136,853 2,140 SH   OTR   2,140 0 0
BROADCOM INC COM 11135F101   1,768,689 2,039 SH   SOLE   2,039 0 0
CME GROUP INC COM 12572Q105   162,128 875 SH   SOLE   875 0 0
CME GROUP INC COM 12572Q105   41,690 225 SH   OTR   225 0 0
CVS HEALTH CORP COM 126650100   650,167 9,405 SH   SOLE   9,405 0 0
CVS HEALTH CORP COM 126650100   17,005 246 SH   OTR   246 0 0
CHEVRON CORP NEW COM 166764100   2,814,519 17,887 SH   SOLE   17,877 0 10
CHEVRON CORP NEW COM 166764100   77,888 495 SH   OTR   495 0 0
CISCO SYS INC COM 17275R102   1,047,754 20,250 SH   SOLE   18,400 0 1,850
CISCO SYS INC COM 17275R102   96,495 1,865 SH   OTR   1,865 0 0
CINTAS CORP COM 172908105   300,733 605 SH   SOLE   605 0 0
COCA COLA CO COM 191216100   1,194,584 19,837 SH   SOLE   19,837 0 0
COCA COLA CO COM 191216100   42,154 700 SH   OTR   700 0 0
COLGATE PALMOLIVE CO COM 194162103   368,251 4,780 SH   SOLE   4,780 0 0
COLGATE PALMOLIVE CO COM 194162103   34,668 450 SH   OTR   450 0 0
COMCAST CORP NEW CL A 20030N101   359,823 8,660 SH   SOLE   8,660 0 0
COMCAST CORP NEW CL A 20030N101   10,886 262 SH   OTR   262 0 0
CONOCOPHILLIPS COM 20825C104   741,640 7,158 SH   SOLE   7,158 0 0
CORTEVA INC COM 22052L104   592,711 10,344 SH   SOLE   10,344 0 0
COSTCO WHSL CORP NEW COM 22160K105   331,103 615 SH   SOLE   615 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   1,508,070 42,637 SH   SOLE   42,362 275 0
DBX ETF TR XTRACK MSCI EAFE 233051200   5,482 155 SH   OTR   155 0 0
DISNEY WALT CO COM 254687106   998,686 11,186 SH   SOLE   11,186 0 0
DISNEY WALT CO COM 254687106   8,928 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   487,146 9,406 SH   SOLE   9,406 0 0
DOMINION ENERGY INC COM 25746U109   19,939 385 SH   OTR   385 0 0
DOVER CORP COM 260003108   219,407 1,486 SH   SOLE   1,486 0 0
DOW INC COM 260557103   289,681 5,439 SH   SOLE   5,439 0 0
DUPONT DE NEMOURS INC COM 26614N102   298,119 4,173 SH   SOLE   4,173 0 0
EMERSON ELEC CO COM 291011104   226,607 2,507 SH   SOLE   2,507 0 0
EXXON MOBIL CORP COM 30231G102   1,260,868 11,756 SH   SOLE   11,556 0 200
EXXON MOBIL CORP COM 30231G102   290,647 2,710 SH   OTR   2,710 0 0
META PLATFORMS INC CL A 30303M102   1,676,250 5,841 SH   SOLE   5,841 0 0
META PLATFORMS INC CL A 30303M102   22,958 80 SH   OTR   80 0 0
FISERV INC COM 337738108   676,794 5,365 SH   SOLE   5,365 0 0
FISERV INC COM 337738108   13,876 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,491,301 105,207 SH   SOLE   104,382 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   23,561 995 SH   OTR   995 0 0
GENERAL DYNAMICS CORP COM 369550108   593,814 2,760 SH   SOLE   2,360 0 400
GENERAL DYNAMICS CORP COM 369550108   281,201 1,307 SH   OTR   1,307 0 0
GILEAD SCIENCES INC COM 375558103   366,544 4,756 SH   SOLE   4,756 0 0
HESS CORP COM 42809H107   201,206 1,480 SH   SOLE   1,480 0 0
HOME DEPOT INC COM 437076102   2,037,487 6,559 SH   SOLE   6,059 0 500
HOME DEPOT INC COM 437076102   329,278 1,060 SH   OTR   1,060 0 0
HONEYWELL INTL INC COM 438516106   1,123,197 5,413 SH   SOLE   5,413 0 0
HONEYWELL INTL INC COM 438516106   31,125 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   295,689 1,182 SH   SOLE   467 0 715
ILLINOIS TOOL WKS INC COM 452308109   178,864 715 SH   OTR   715 0 0
INTEL CORP COM 458140100   300,224 8,978 SH   SOLE   8,978 0 0
INTEL CORP COM 458140100   13,376 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   487,148 4,308 SH   SOLE   4,308 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   334,391 2,499 SH   SOLE   2,499 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   44,826 335 SH   OTR   335 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   308,087 901 SH   SOLE   901 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   25,645 75 SH   OTR   75 0 0
ISHARES TR CORE S&P500 ETF 464287200   250,934 563 SH   SOLE   563 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,576,192 128,394 SH   SOLE   128,244 150 0
ISHARES TR CORE US AGGBD ET 464287226   296,298 3,025 SH   OTR   3,025 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   756,031 19,111 SH   SOLE   19,111 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   22,747 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,397,021 59,155 SH   SOLE   58,980 175 0
ISHARES TR IBOXX INV CP ETF 464287242   121,116 1,120 SH   OTR   1,120 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   253,375 3,595 SH   SOLE   3,595 0 0
ISHARES TR S&P 500 VAL ETF 464287408   258,709 1,605 SH   SOLE   1,605 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,134,305 70,818 SH   SOLE   70,598 110 110
ISHARES TR MSCI EAFE ETF 464287465   377,652 5,209 SH   OTR   5,209 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,743,371 64,951 SH   SOLE   64,843 60 48
ISHARES TR RUS MID CAP ETF 464287499   162,053 2,219 SH   OTR   2,219 0 0
ISHARES TR US CONSUM DISCRE 464287580   221,117 3,107 SH   SOLE   3,107 0 0
ISHARES TR US CONSUM DISCRE 464287580   144,470 2,030 SH   OTR   2,030 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   202,257 735 SH   SOLE   735 0 0
ISHARES TR RUS 1000 ETF 464287622   298,581 1,225 SH   SOLE   1,225 0 0
ISHARES TR RUS 1000 ETF 464287622   117,238 481 SH   OTR   481 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,724,216 14,547 SH   SOLE   14,527 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   163,861 875 SH   OTR   875 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,454,417 17,504 SH   SOLE   17,504 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   729,848 2,868 SH   OTR   2,868 0 0
ISHARES TR U.S. TECH ETF 464287721   367,871 3,379 SH   SOLE   3,379 0 0
ISHARES TR U.S. TECH ETF 464287721   130,644 1,200 SH   OTR   1,200 0 0
ISHARES TR US INDUSTRIALS 464287754   232,651 2,194 SH   SOLE   2,194 0 0
ISHARES TR US INDUSTRIALS 464287754   39,340 371 SH   OTR   371 0 0
ISHARES TR U.S. FINLS ETF 464287788   799,073 10,710 SH   SOLE   10,710 0 0
ISHARES TR U.S. FINLS ETF 464287788   81,772 1,096 SH   OTR   1,096 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   628,401 6,040 SH   SOLE   6,040 0 0
ISHARES TR IBOXX HI YD ETF 464288513   456,650 6,083 SH   SOLE   6,083 0 0
ISHARES TR IBOXX HI YD ETF 464288513   24,022 320 SH   OTR   320 0 0
ISHARES TR MBS ETF 464288588   240,810 2,582 SH   SOLE   2,582 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   203,742 3,960 SH   SOLE   3,960 0 0
ISHARES TR BROAD USD HIGH 46435U853   3,716,772 105,291 SH   SOLE   105,151 140 0
ISHARES TR BROAD USD HIGH 46435U853   207,034 5,865 SH   OTR   5,865 0 0
JPMORGAN CHASE & CO COM 46625H100   1,668,633 11,473 SH   SOLE   11,451 0 22
JPMORGAN CHASE & CO COM 46625H100   130,459 897 SH   OTR   897 0 0
JOHNSON & JOHNSON COM 478160104   1,466,672 8,861 SH   SOLE   8,861 0 0
JOHNSON & JOHNSON COM 478160104   55,449 335 SH   OTR   335 0 0
KIMBERLY-CLARK CORP COM 494368103   90,567 656 SH   SOLE   656 0 0
KIMBERLY-CLARK CORP COM 494368103   193,284 1,400 SH   OTR   1,400 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   955,944 4,883 SH   SOLE   4,883 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   86,138 440 SH   OTR   440 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   315,418 1,307 SH   SOLE   1,307 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   11,583 48 SH   OTR   48 0 0
LILLY ELI & CO COM 532457108   2,063,512 4,400 SH   SOLE   4,400 0 0
LILLY ELI & CO COM 532457108   140,694 300 SH   OTR   300 0 0
LOWES COS INC COM 548661107   619,997 2,747 SH   SOLE   2,747 0 0
MARATHON PETE CORP COM 56585A102   336,157 2,883 SH   SOLE   2,883 0 0
MARATHON PETE CORP COM 56585A102   23,320 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,090,620 2,773 SH   SOLE   2,773 0 0
MCDONALDS CORP COM 580135101   3,421,569 11,466 SH   SOLE   11,466 0 0
MCDONALDS CORP COM 580135101   44,761 150 SH   OTR   150 0 0
MERCK & CO INC COM 58933Y105   1,891,472 16,392 SH   SOLE   16,392 0 0
MERCK & CO INC COM 58933Y105   46,156 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   10,642,862 31,252 SH   SOLE   30,742 0 510
MICROSOFT CORP COM 594918104   919,458 2,700 SH   OTR   2,700 0 0
MONDELEZ INTL INC CL A 609207105   694,607 9,523 SH   SOLE   9,523 0 0
MORGAN STANLEY COM NEW 617446448   1,378,526 16,142 SH   SOLE   16,142 0 0
MORGAN STANLEY COM NEW 617446448   32,879 385 SH   OTR   385 0 0
NEXTERA ENERGY INC COM 65339F101   1,923,783 25,927 SH   SOLE   25,327 0 600
NEXTERA ENERGY INC COM 65339F101   364,322 4,910 SH   OTR   4,910 0 0
NORFOLK SOUTHN CORP COM 655844108   752,162 3,317 SH   SOLE   2,367 0 950
NVIDIA CORPORATION COM 67066G104   4,541,119 10,735 SH   SOLE   10,735 0 0
NVIDIA CORPORATION COM 67066G104   76,143 180 SH   OTR   180 0 0
ORACLE CORP COM 68389X105   1,745,383 14,656 SH   SOLE   13,656 0 1,000
ORACLE CORP COM 68389X105   253,066 2,125 SH   OTR   2,125 0 0
PEPSICO INC COM 713448108   771,632 4,166 SH   SOLE   4,166 0 0
PEPSICO INC COM 713448108   383,220 2,069 SH   OTR   2,069 0 0
PFIZER INC COM 717081103   389,028 10,606 SH   SOLE   10,606 0 0
PFIZER INC COM 717081103   58,394 1,592 SH   OTR   1,592 0 0
PHILIP MORRIS INTL INC COM 718172109   458,423 4,696 SH   SOLE   4,696 0 0
PROCTER AND GAMBLE CO COM 742718109   2,324,474 15,318 SH   SOLE   15,010 0 308
PROCTER AND GAMBLE CO COM 742718109   144,153 950 SH   OTR   950 0 0
PROLOGIS INC. COM 74340W103   1,106,122 9,020 SH   SOLE   9,020 0 0
PROLOGIS INC. COM 74340W103   12,263 100 SH   OTR   100 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   253,695 4,052 SH   SOLE   4,052 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   7,826 125 SH   OTR   125 0 0
PUBLIC STORAGE COM 74460D109   421,474 1,444 SH   SOLE   1,444 0 0
PUBLIC STORAGE COM 74460D109   7,297 25 SH   OTR   25 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,474,428 7,838 SH   SOLE   7,838 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   157,807 356 SH   OTR   356 0 0
SPDR GOLD TR GOLD SHS 78463V107   465,641 2,612 SH   SOLE   2,612 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   6,356,901 290,137 SH   SOLE   289,742 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   237,460 10,838 SH   OTR   10,838 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,543,621 68,542 SH   SOLE   68,542 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   273,895 5,230 SH   SOLE   5,230 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,554,745 34,086 SH   SOLE   33,456 630 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   109,052 1,455 SH   OTR   1,455 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   982,533 14,645 SH   SOLE   13,990 655 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   44,279 660 SH   OTR   660 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,663,877 23,425 SH   SOLE   23,425 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,408,822 77,827 SH   SOLE   77,737 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   42,267 965 SH   OTR   965 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,503,193 61,031 SH   SOLE   60,961 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   38,299 1,555 SH   OTR   1,555 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,422,798 47,133 SH   SOLE   47,133 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,434 185 SH   OTR   185 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,984,191 195,910 SH   SOLE   195,910 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,208 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,098,074 67,116 SH   SOLE   67,116 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,079,961 13,032 SH   SOLE   13,032 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   7,872 95 SH   OTR   95 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,841,749 21,410 SH   SOLE   21,410 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,568,843 21,152 SH   SOLE   21,152 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,230,284 13,134 SH   SOLE   13,134 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   6,792 40 SH   OTR   40 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,085,648 13,375 SH   SOLE   13,375 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   17,695 218 SH   OTR   218 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,197,588 65,191 SH   SOLE   65,191 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   1,819,074 16,950 SH   SOLE   16,950 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   7,266,304 41,794 SH   SOLE   41,794 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,477 20 SH   OTR   20 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,033,164 31,241 SH   SOLE   31,241 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,254 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   337,928 8,966 SH   SOLE   8,966 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   714,277 10,915 SH   SOLE   10,915 0 0
SEMPRA COM 816851109   305,156 2,096 SH   SOLE   2,096 0 0
SEMPRA COM 816851109   29,118 200 SH   OTR   200 0 0
SERVICENOW INC COM 81762P102   218,606 389 SH   SOLE   389 0 0
SHERWIN WILLIAMS CO COM 824348106   659,817 2,485 SH   SOLE   2,485 0 0
SHERWIN WILLIAMS CO COM 824348106   34,252 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   229,928 3,273 SH   SOLE   3,273 0 0
SYNOPSYS INC COM 871607107   1,378,943 3,167 SH   SOLE   3,167 0 0
TJX COS INC NEW COM 872540109   1,286,349 15,171 SH   SOLE   15,171 0 0
TESLA INC COM 88160R101   781,121 2,984 SH   SOLE   2,984 0 0
TEXAS INSTRS INC COM 882508104   2,385,985 13,254 SH   SOLE   13,254 0 0
TEXAS INSTRS INC COM 882508104   26,102 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,344,222 4,493 SH   SOLE   3,893 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   41,740 80 SH   OTR   80 0 0
3M CO COM 88579Y101   270,243 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   20,018 200 SH   OTR   200 0 0
TRACTOR SUPPLY CO COM 892356106   299,148 1,353 SH   SOLE   1,353 0 0
UDR INC COM 902653104   168,403 3,920 SH   SOLE   1,760 0 2,160
UDR INC COM 902653104   139,190 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,746,227 8,534 SH   SOLE   8,534 0 0
UNION PAC CORP COM 907818108   41,947 205 SH   OTR   205 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,395,102 7,783 SH   SOLE   7,783 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,462,799 5,124 SH   SOLE   5,124 0 0
UNITEDHEALTH GROUP INC COM 91324P102   21,628 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   693,712 5,914 SH   SOLE   5,914 0 0
VALERO ENERGY CORP COM 91913Y100   23,460 200 SH   OTR   200 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   328,348 5,855 SH   SOLE   5,855 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   10,374 185 SH   OTR   185 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,844,936 99,119 SH   SOLE   99,014 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   216,196 4,423 SH   OTR   4,423 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,801,527 116,330 SH   SOLE   116,020 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   337,443 4,460 SH   OTR   4,460 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   409,316 1,005 SH   SOLE   1,005 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   741,177 8,870 SH   SOLE   8,850 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   17,965 215 SH   OTR   215 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,466,327 39,428 SH   SOLE   39,428 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   45,185 1,215 SH   OTR   1,215 0 0
VISA INC COM CL A 92826C839   472,822 1,991 SH   SOLE   1,991 0 0
VISA INC COM CL A 92826C839   23,748 100 SH   OTR   100 0 0
WALMART INC COM 931142103   1,253,038 7,972 SH   SOLE   7,972 0 0
WALMART INC COM 931142103   65,229 415 SH   OTR   415 0 0
WASTE MGMT INC DEL COM 94106L109   302,791 1,746 SH   SOLE   1,746 0 0
XCEL ENERGY INC COM 98389B100   258,067 4,151 SH   SOLE   4,151 0 0
XCEL ENERGY INC COM 98389B100   3,792 61 SH   OTR   61 0 0