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   2,379,169 6,780 SH   SOLE   6,280 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   175,455 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   674,385 1,642 SH   SOLE   1,642 0 0
AFLAC INC COM 001055102   469,260 5,688 SH   SOLE   5,688 0 0
AFLAC INC COM 001055102   37,537 455 SH   OTR   455 0 0
AT&T INC COM 00206R102   388,792 23,170 SH   SOLE   23,170 0 0
AT&T INC COM 00206R102   54,535 3,250 SH   OTR   3,250 0 0
ABBOTT LABS COM 002824100   790,302 7,180 SH   SOLE   7,180 0 0
ABBOTT LABS COM 002824100   52,283 475 SH   OTR   475 0 0
ABBVIE INC COM 00287Y109   2,217,775 14,311 SH   SOLE   14,311 0 0
ABBVIE INC COM 00287Y109   100,575 649 SH   OTR   649 0 0
ADOBE INC COM 00724F101   1,094,761 1,835 SH   SOLE   1,835 0 0
ADOBE INC COM 00724F101   29,830 50 SH   OTR   50 0 0
AIR PRODS & CHEMS INC COM 009158106   564,849 2,063 SH   SOLE   2,063 0 0
AIR PRODS & CHEMS INC COM 009158106   24,094 88 SH   OTR   88 0 0
ALLIANT ENERGY CORP COM 018802108   196,735 3,835 SH   SOLE   3,835 0 0
ALLIANT ENERGY CORP COM 018802108   15,390 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101   234,466 1,675 SH   SOLE   1,675 0 0
ALPHABET INC CAP STK CL C 02079K107   298,771 2,120 SH   SOLE   2,120 0 0
ALPHABET INC CAP STK CL A 02079K305   4,040,952 28,928 SH   SOLE   28,928 0 0
ALPHABET INC CAP STK CL A 02079K305   153,659 1,100 SH   OTR   1,100 0 0
AMAZON COM INC COM 023135106   3,580,010 23,562 SH   SOLE   23,562 0 0
AMAZON COM INC COM 023135106   60,776 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,405,612 7,503 SH   SOLE   7,503 0 0
AMERIPRISE FINL INC COM 03076C106   284,872 750 SH   SOLE   750 0 0
AMERIPRISE FINL INC COM 03076C106   15,193 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   1,034,855 3,593 SH   SOLE   3,293 0 300
AMGEN INC COM 031162100   122,408 425 SH   OTR   425 0 0
APPLE INC COM 037833100   9,546,792 49,586 SH   SOLE   49,586 0 0
APPLE INC COM 037833100   242,587 1,260 SH   OTR   1,260 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   147,935 635 SH   SOLE   635 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   79,209 340 SH   OTR   340 0 0
AUTONATION INC COM 05329W102   227,823 1,517 SH   SOLE   1,517 0 0
AUTONATION INC COM 05329W102   16,820 112 SH   OTR   112 0 0
AUTOZONE INC COM 053332102   325,786 126 SH   SOLE   126 0 0
AUTOZONE INC COM 053332102   20,684 8 SH   OTR   8 0 0
BANK AMERICA CORP COM 060505104   977,675 29,037 SH   SOLE   28,637 0 400
BANK AMERICA CORP COM 060505104   42,929 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,321,856 6,510 SH   SOLE   6,510 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   275,698 773 SH   OTR   773 0 0
BLACKROCK INC COM 09247X101   928,699 1,144 SH   SOLE   1,144 0 0
BLACKROCK INC COM 09247X101   68,191 84 SH   OTR   84 0 0
BLACKSTONE INC COM 09260D107   225,575 1,723 SH   SOLE   1,723 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   911,487 17,764 SH   SOLE   17,764 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   109,803 2,140 SH   OTR   2,140 0 0
BROADCOM INC COM 11135F101   2,303,940 2,064 SH   SOLE   2,064 0 0
CME GROUP INC COM 12572Q105   180,694 858 SH   SOLE   858 0 0
CME GROUP INC COM 12572Q105   47,385 225 SH   OTR   225 0 0
CHEVRON CORP NEW COM 166764100   2,390,139 16,024 SH   SOLE   16,024 0 0
CHEVRON CORP NEW COM 166764100   73,834 495 SH   OTR   495 0 0
CISCO SYS INC COM 17275R102   966,081 19,122 SH   SOLE   17,272 0 1,850
CISCO SYS INC COM 17275R102   94,219 1,865 SH   OTR   1,865 0 0
CINTAS CORP COM 172908105   325,436 540 SH   SOLE   540 0 0
COCA COLA CO COM 191216100   1,268,939 21,533 SH   SOLE   21,533 0 0
COCA COLA CO COM 191216100   50,090 850 SH   OTR   850 0 0
COLGATE PALMOLIVE CO COM 194162103   370,093 4,643 SH   SOLE   4,643 0 0
COLGATE PALMOLIVE CO COM 194162103   35,869 450 SH   OTR   450 0 0
COMCAST CORP NEW CL A 20030N101   344,134 7,848 SH   SOLE   7,848 0 0
COMCAST CORP NEW CL A 20030N101   6,665 152 SH   OTR   152 0 0
CONOCOPHILLIPS COM 20825C104   910,337 7,843 SH   SOLE   7,843 0 0
CORTEVA INC COM 22052L104   288,526 6,021 SH   SOLE   6,021 0 0
COSTCO WHSL CORP NEW COM 22160K105   405,949 615 SH   SOLE   615 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   2,948,341 79,728 SH   SOLE   79,453 275 0
DISNEY WALT CO COM 254687106   454,881 5,038 SH   SOLE   5,038 0 0
DISNEY WALT CO COM 254687106   9,029 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   308,258 6,558 SH   SOLE   6,558 0 0
DOMINION ENERGY INC COM 25746U109   18,095 385 SH   OTR   385 0 0
DOVER CORP COM 260003108   210,873 1,371 SH   SOLE   1,371 0 0
DUPONT DE NEMOURS INC COM 26614N102   236,405 3,073 SH   SOLE   3,073 0 0
EXXON MOBIL CORP COM 30231G102   1,157,091 11,573 SH   SOLE   11,373 0 200
EXXON MOBIL CORP COM 30231G102   270,945 2,710 SH   OTR   2,710 0 0
META PLATFORMS INC CL A 30303M102   2,205,878 6,232 SH   SOLE   6,232 0 0
META PLATFORMS INC CL A 30303M102   28,316 80 SH   OTR   80 0 0
FISERV INC COM 337738108   641,351 4,828 SH   SOLE   4,828 0 0
FISERV INC COM 337738108   14,612 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,103,589 89,022 SH   SOLE   88,197 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   23,511 995 SH   OTR   995 0 0
GENERAL DYNAMICS CORP COM 369550108   688,904 2,653 SH   SOLE   2,253 0 400
GENERAL DYNAMICS CORP COM 369550108   336,791 1,297 SH   OTR   1,297 0 0
GILEAD SCIENCES INC COM 375558103   377,992 4,666 SH   SOLE   4,666 0 0
HOME DEPOT INC COM 437076102   2,260,199 6,522 SH   SOLE   6,022 0 500
HOME DEPOT INC COM 437076102   367,343 1,060 SH   OTR   1,060 0 0
HONEYWELL INTL INC COM 438516106   1,136,628 5,420 SH   SOLE   5,420 0 0
HONEYWELL INTL INC COM 438516106   31,456 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   306,469 1,170 SH   SOLE   455 0 715
ILLINOIS TOOL WKS INC COM 452308109   187,287 715 SH   OTR   715 0 0
INTEL CORP COM 458140100   436,119 8,679 SH   SOLE   8,679 0 0
INTEL CORP COM 458140100   20,100 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   539,791 4,203 SH   SOLE   4,203 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   347,380 2,124 SH   SOLE   2,124 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   54,789 335 SH   OTR   335 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   730,047 2,164 SH   SOLE   2,164 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   25,302 75 SH   OTR   75 0 0
INTUIT COM 461202103   210,635 337 SH   SOLE   337 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,316,825 2,757 SH   SOLE   2,757 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,155,246 122,471 SH   SOLE   122,221 250 0
ISHARES TR CORE US AGGBD ET 464287226   310,156 3,125 SH   OTR   3,125 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   647,742 16,109 SH   SOLE   16,109 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   23,120 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,088,291 55,018 SH   SOLE   54,798 220 0
ISHARES TR IBOXX INV CP ETF 464287242   134,451 1,215 SH   OTR   1,215 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   248,205 3,305 SH   SOLE   3,305 0 0
ISHARES TR S&P 500 VAL ETF 464287408   253,879 1,460 SH   SOLE   1,460 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,239,462 69,535 SH   SOLE   69,315 110 110
ISHARES TR MSCI EAFE ETF 464287465   379,311 5,034 SH   OTR   5,034 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,959,329 63,802 SH   SOLE   63,694 60 48
ISHARES TR RUS MID CAP ETF 464287499   169,762 2,184 SH   OTR   2,184 0 0
ISHARES TR US CONSUM DISCRE 464287580   229,734 3,032 SH   SOLE   3,032 0 0
ISHARES TR US CONSUM DISCRE 464287580   153,813 2,030 SH   OTR   2,030 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   222,829 735 SH   SOLE   735 0 0
ISHARES TR RUS 1000 ETF 464287622   321,268 1,225 SH   SOLE   1,225 0 0
ISHARES TR RUS 1000 ETF 464287622   126,147 481 SH   OTR   481 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,743,906 13,671 SH   SOLE   13,651 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   175,621 875 SH   OTR   875 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,447,727 16,248 SH   SOLE   16,248 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   712,818 2,604 SH   OTR   2,604 0 0
ISHARES TR U.S. TECH ETF 464287721   372,300 3,033 SH   SOLE   3,033 0 0
ISHARES TR U.S. TECH ETF 464287721   147,300 1,200 SH   OTR   1,200 0 0
ISHARES TR US INDUSTRIALS 464287754   256,623 2,244 SH   SOLE   2,244 0 0
ISHARES TR US INDUSTRIALS 464287754   56,265 492 SH   OTR   492 0 0
ISHARES TR U.S. FINLS ETF 464287788   918,669 10,756 SH   SOLE   10,756 0 0
ISHARES TR U.S. FINLS ETF 464287788   109,666 1,284 SH   OTR   1,284 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   607,803 5,765 SH   SOLE   5,765 0 0
ISHARES TR IBOXX HI YD ETF 464288513   580,502 7,501 SH   SOLE   7,501 0 0
ISHARES TR MBS ETF 464288588   450,078 4,784 SH   SOLE   4,784 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   210,632 3,960 SH   SOLE   3,960 0 0
ISHARES TR BROAD USD HIGH 46435U853   3,782,653 104,062 SH   SOLE   103,922 140 0
ISHARES TR BROAD USD HIGH 46435U853   212,284 5,840 SH   OTR   5,840 0 0
JPMORGAN CHASE & CO COM 46625H100   1,791,493 10,532 SH   SOLE   10,510 0 22
JPMORGAN CHASE & CO COM 46625H100   152,579 897 SH   OTR   897 0 0
JOHNSON & JOHNSON COM 478160104   1,301,098 8,301 SH   SOLE   8,301 0 0
JOHNSON & JOHNSON COM 478160104   52,507 335 SH   OTR   335 0 0
KIMBERLY-CLARK CORP COM 494368103   55,287 455 SH   SOLE   455 0 0
KIMBERLY-CLARK CORP COM 494368103   170,114 1,400 SH   OTR   1,400 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   987,175 4,687 SH   SOLE   4,687 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   92,672 440 SH   OTR   440 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   286,839 1,262 SH   SOLE   1,262 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   7,955 35 SH   OTR   35 0 0
ELI LILLY & CO COM 532457108   2,268,141 3,891 SH   SOLE   3,891 0 0
ELI LILLY & CO COM 532457108   169,046 290 SH   OTR   290 0 0
LOWES COS INC COM 548661107   598,882 2,691 SH   SOLE   2,691 0 0
MARATHON PETE CORP COM 56585A102   341,228 2,300 SH   SOLE   2,300 0 0
MARATHON PETE CORP COM 56585A102   29,672 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,257,351 2,948 SH   SOLE   2,948 0 0
MCDONALDS CORP COM 580135101   3,355,900 11,318 SH   SOLE   11,318 0 0
MCDONALDS CORP COM 580135101   44,476 150 SH   OTR   150 0 0
MERCK & CO INC COM 58933Y105   1,751,515 16,066 SH   SOLE   16,066 0 0
MERCK & CO INC COM 58933Y105   43,608 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   11,137,703 29,618 SH   SOLE   29,108 0 510
MICROSOFT CORP COM 594918104   992,745 2,640 SH   OTR   2,640 0 0
MONDELEZ INTL INC CL A 609207105   590,594 8,154 SH   SOLE   8,154 0 0
MOODYS CORP COM 615369105   205,044 525 SH   SOLE   525 0 0
MORGAN STANLEY COM NEW 617446448   1,485,192 15,927 SH   SOLE   15,927 0 0
MORGAN STANLEY COM NEW 617446448   35,901 385 SH   OTR   385 0 0
NEXTERA ENERGY INC COM 65339F101   1,548,019 25,486 SH   SOLE   24,886 0 600
NEXTERA ENERGY INC COM 65339F101   300,420 4,946 SH   OTR   4,946 0 0
NORFOLK SOUTHN CORP COM 655844108   709,612 3,002 SH   SOLE   2,052 0 950
NVIDIA CORPORATION COM 67066G104   4,715,484 9,522 SH   SOLE   9,522 0 0
NVIDIA CORPORATION COM 67066G104   79,235 160 SH   OTR   160 0 0
ORACLE CORP COM 68389X105   1,527,786 14,491 SH   SOLE   13,491 0 1,000
ORACLE CORP COM 68389X105   224,038 2,125 SH   OTR   2,125 0 0
PEPSICO INC COM 713448108   697,785 4,108 SH   SOLE   4,108 0 0
PEPSICO INC COM 713448108   347,152 2,044 SH   OTR   2,044 0 0
PFIZER INC COM 717081103   198,708 6,902 SH   SOLE   6,902 0 0
PFIZER INC COM 717081103   45,833 1,592 SH   OTR   1,592 0 0
PHILIP MORRIS INTL INC COM 718172109   433,802 4,611 SH   SOLE   4,611 0 0
PROCTER AND GAMBLE CO COM 742718109   2,204,752 15,045 SH   SOLE   14,745 0 300
PROCTER AND GAMBLE CO COM 742718109   139,213 950 SH   OTR   950 0 0
PROLOGIS INC. COM 74340W103   1,175,439 8,818 SH   SOLE   8,818 0 0
PROLOGIS INC. COM 74340W103   26,660 200 SH   OTR   200 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   231,269 3,782 SH   SOLE   3,782 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   7,643 125 SH   OTR   125 0 0
PUBLIC STORAGE COM 74460D109   439,505 1,441 SH   SOLE   1,441 0 0
PUBLIC STORAGE COM 74460D109   14,335 47 SH   OTR   47 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,636,596 7,651 SH   SOLE   7,651 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   163,981 345 SH   OTR   345 0 0
SPDR GOLD TR GOLD SHS 78463V107   472,763 2,473 SH   SOLE   2,473 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   5,610,105 254,196 SH   SOLE   253,801 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   262,257 11,883 SH   OTR   11,883 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,140,233 74,371 SH   SOLE   74,371 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   319,224 5,660 SH   SOLE   5,660 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,128,172 37,707 SH   SOLE   37,407 300 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   114,070 1,375 SH   OTR   1,375 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   807,552 11,520 SH   SOLE   11,165 355 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,745,164 23,170 SH   SOLE   23,170 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,830,408 81,084 SH   SOLE   80,994 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   42,279 895 SH   OTR   895 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,623,918 65,507 SH   SOLE   65,437 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   33,714 1,360 SH   OTR   1,360 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,041,698 39,954 SH   SOLE   39,954 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   23,600 310 SH   OTR   310 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,242,459 195,954 SH   SOLE   195,954 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,326 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,370,253 72,292 SH   SOLE   72,292 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   111,888 2,400 SH   OTR   2,400 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,067,197 12,476 SH   SOLE   12,476 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   8,126 95 SH   OTR   95 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,840,249 20,826 SH   SOLE   20,826 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,519,040 21,089 SH   SOLE   21,089 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,304,503 12,888 SH   SOLE   12,888 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   7,152 40 SH   OTR   40 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,108,616 13,223 SH   SOLE   13,223 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   18,277 218 SH   OTR   218 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,443,887 64,997 SH   SOLE   64,997 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,108,245 18,495 SH   SOLE   18,495 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   7,425,493 38,578 SH   SOLE   38,578 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,849 20 SH   OTR   20 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,224,921 30,621 SH   SOLE   30,621 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,633 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   373,439 9,322 SH   SOLE   9,322 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   701,569 11,078 SH   SOLE   11,078 0 0
SEMPRA COM 816851109   387,624 5,187 SH   SOLE   5,187 0 0
SEMPRA COM 816851109   29,892 400 SH   OTR   400 0 0
SERVICENOW INC COM 81762P102   235,967 334 SH   SOLE   334 0 0
SHERWIN WILLIAMS CO COM 824348106   699,591 2,243 SH   SOLE   2,243 0 0
SHERWIN WILLIAMS CO COM 824348106   40,235 129 SH   OTR   129 0 0
SYNOPSYS INC COM 871607107   1,282,125 2,490 SH   SOLE   2,490 0 0
TJX COS INC NEW COM 872540109   1,393,735 14,857 SH   SOLE   14,857 0 0
T-MOBILE US INC COM 872590104   805,658 5,025 SH   SOLE   5,025 0 0
TESLA INC COM 88160R101   661,950 2,664 SH   SOLE   2,664 0 0
TEXAS INSTRS INC COM 882508104   2,069,895 12,143 SH   SOLE   12,143 0 0
TEXAS INSTRS INC COM 882508104   24,716 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,307,344 4,347 SH   SOLE   3,747 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   42,463 80 SH   OTR   80 0 0
3M CO COM 88579Y101   295,164 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   21,864 200 SH   OTR   200 0 0
UDR INC COM 902653104   150,096 3,920 SH   SOLE   1,760 0 2,160
UDR INC COM 902653104   124,059 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   2,038,400 8,299 SH   SOLE   8,299 0 0
UNION PAC CORP COM 907818108   50,352 205 SH   OTR   205 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,233,626 7,846 SH   SOLE   7,846 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,576,544 4,894 SH   SOLE   4,894 0 0
UNITEDHEALTH GROUP INC COM 91324P102   23,691 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   748,280 5,756 SH   SOLE   5,756 0 0
VALERO ENERGY CORP COM 91913Y100   18,720 144 SH   OTR   144 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   342,079 5,902 SH   SOLE   5,902 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,171 210 SH   OTR   210 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,717,468 95,563 SH   SOLE   95,458 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   167,001 3,383 SH   OTR   3,383 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,104,050 117,669 SH   SOLE   117,359 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   275,050 3,555 SH   OTR   3,555 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   438,110 1,003 SH   SOLE   1,003 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   843,572 9,547 SH   SOLE   9,527 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   18,997 215 SH   OTR   215 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   823,933 21,855 SH   SOLE   21,855 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   40,150 1,065 SH   OTR   1,065 0 0
VISA INC COM CL A 92826C839   446,500 1,715 SH   SOLE   1,715 0 0
VISA INC COM CL A 92826C839   26,035 100 SH   OTR   100 0 0
WALMART INC COM 931142103   1,271,920 8,068 SH   SOLE   8,068 0 0
WALMART INC COM 931142103   65,424 415 SH   OTR   415 0 0
WASTE MGMT INC DEL COM 94106L109   283,694 1,584 SH   SOLE   1,584 0 0
WELLS FARGO CO NEW COM 949746101   139,784 2,840 SH   SOLE   2,240 0 600
WELLS FARGO CO NEW COM 949746101   68,908 1,400 SH   OTR   1,400 0 0