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
2u Inc COM 90214J101   1,230 1,000 SH   DFND 1 0 0 1,000
3m CO Com 88579Y101   1,048,812 9,594 SH   SOLE 0 8,549 330 715
3m CO Com 88579Y101   304,893 2,789 SH   OTR 0 2,539 65 185
3M Company COM 88579Y101   10,932 100 SH   DFND 1 0 0 100
A P Moeller Maersk Ord COM K0514G135   26,616 15 SH   DFND 1 0 0 15
Abbott Laboratories COM 002824100   73,417 667 SH   DFND 1 0 0 667
Abbott Labs Com 002824100   4,795,860 43,571 SH   SOLE 0 42,971 0 600
Abbott Labs Com 002824100   8,014,857 72,816 SH   OTR 0 70,580 576 1,660
Abbvie Inc Com 00287Y109   4,134,445 26,679 SH   SOLE 0 26,379 0 300
Abbvie Inc Com 00287Y109   5,859,261 37,809 SH   OTR 0 36,284 295 1,230
AbbVie Inc. COM 00287Y109   124,751 805 SH   DFND 1 0 0 805
Aberdeen Std Physical Swiss Gold COM 26922Y105   1,317,487 66,742 SH   DFND 1 0 0 66,742
Accenture plc COM G1151C101   13,685 39 SH   DFND 1 0 0 39
Accenture PLC Cl A Com G1151C101   385,299 1,098 SH   SOLE 0 1,098 0 0
Accenture PLC Cl A Com G1151C101   514,785 1,467 SH   OTR 0 1,437 30 0
Adobe Inc Com 00724F101   989,759 1,659 SH   SOLE 0 1,659 0 0
Adobe Inc Com 00724F101   1,345,333 2,255 SH   OTR 0 2,216 7 32
Advanced Micro Devices, Inc. COM 007903107   9,582 65 SH   DFND 1 30 0 35
Aflac Inc Com 001055102   109,973 1,333 SH   SOLE 0 1,333 0 0
Aflac Inc Com 001055102   99,000 1,200 SH   OTR 0 1,200 0 0
Agnico Eagle Mines Ltd Com 008474108   424,978 7,748 SH   OTR 0 7,748 0 0
Air Products & Chemicals Inc Com 009158106   1,410,891 5,153 SH   SOLE 0 5,153 0 0
Air Products & Chemicals Inc Com 009158106   2,559,482 9,348 SH   OTR 0 9,273 0 75
Air Products and Chemicals, Inc. COM 009158106   12,595 46 SH   DFND 1 0 0 46
Alcon Inc COM H01301128   859 11 SH   DFND 1 0 0 11
Alibaba Group Hldg Ltd COM 01609W102   11,627 150 SH   DFND 1 0 0 150
Allbirds Inc COM 01675A109   61 50 SH   DFND 1 0 0 50
Allegion PLC Com G0176J109   85,136 672 SH   SOLE 0 672 0 0
Allegion PLC Com G0176J109   2,811,631 22,193 SH   OTR 0 22,193 0 0
AllianceBernstein Gl High IncFun COM 01879R106   8,875 877 SH   DFND 1 0 0 877
ALLIANT ENERGY CORP COM 018802108   141,488 2,758 SH   DFND 1 2,758 0 0
Allstate Corp Com 020002101   154,398 1,103 SH   SOLE 0 1,103 0 0
Allstate Corp Com 020002101   139,980 1,000 SH   OTR 0 1,000 0 0
Allstate Corporation COM 200021014   13,998 100 SH   DFND 1 0 0 100
Alphabet Inc Cl A Com 02079K305   5,842,115 41,822 SH   SOLE 0 41,162 0 660
Alphabet Inc Cl A Com 02079K305   29,163,500 208,773 SH   OTR 0 205,539 0 3,234
Alphabet Inc Cl C Com 02079K107   6,119,003 43,419 SH   SOLE 0 41,356 0 2,063
Alphabet Inc Cl C Com 02079K107   15,863,926 112,566 SH   OTR 0 109,880 86 2,600
Alphabet Inc. Class A COM 02079K305   436,252 3,123 SH   DFND 1 0 0 3,123
Alphabet Inc. Class C COM 02079K107   286,933 2,036 SH   DFND 1 0 0 2,036
Altaba Inc Xxx COM 021ESC017   28 33 SH   DFND 1 0 0 33
Alterrus Systems Inc Xxx COM 02153P105   0 22 SH   DFND 1 0 0 22
Altria Group Inc Com 02209S103   544,106 13,488 SH   SOLE 0 12,713 0 775
Altria Group Inc Com 02209S103   1,555,591 38,562 SH   OTR 0 37,862 0 700
Altria Group, Inc. COM 02209S103   46,305 1,148 SH   DFND 1 0 0 1,148
Amazon.Com Inc Com 023135106   3,306,518 21,762 SH   SOLE 0 21,762 0 0
Amazon.Com Inc Com 023135106   17,770,143 116,955 SH   OTR 0 115,599 0 1,356
Amazon.com, Inc COM 023135106   188,406 1,240 SH   DFND 1 0 0 1,240
Amcor Plc COM G0250X107   17,342 1,799 SH   DFND 1 0 0 1,799
Amedica Corporation COM 023435100   0 0 SH   DFND 1 0 0 0
American Express CO Com 025816109   972,857 5,193 SH   SOLE 0 5,193 0 0
American Express CO Com 025816109   2,743,220 14,643 SH   OTR 0 14,207 0 436
American Express Company COM 025816109   1,686 9 SH   DFND 1 0 0 9
American Intl Group Inc COM 002687484   6,775 100 SH   DFND 1 0 0 100
American Tower Corp REIT Com 03027X100   238,763 1,106 SH   SOLE 0 1,106 0 0
American Tower Corp REIT Com 03027X100   109,235 506 SH   OTR 0 506 0 0
American Water Works CO Inc Com 030420103   1,133,266 8,586 SH   SOLE 0 8,586 0 0
American Water Works CO Inc Com 030420103   714,858 5,416 SH   OTR 0 3,886 100 1,430
Amgen Inc Com 031162100   795,223 2,761 SH   SOLE 0 2,761 0 0
Amgen Inc Com 031162100   476,385 1,654 SH   OTR 0 1,654 0 0
Amgen Inc. COM 031162100   62,788 218 SH   DFND 1 0 0 218
Amphenol Corp Com 032095101   374,017 3,773 SH   SOLE 0 3,773 0 0
Amphenol Corp Com 032095101   978,611 9,872 SH   OTR 0 9,872 0 0
Amplify CWP Enhanced Dividend Com 032108409   690,649 18,896 SH   SOLE 0 18,896 0 0
Amplify CWP Enhanced Dividend Com 032108409   182,750 5,000 SH   OTR 0 5,000 0 0
Analog Devices Inc Com 032654105   213,651 1,076 SH   SOLE 0 1,076 0 0
Analog Devices Inc Com 032654105   216,033 1,088 SH   OTR 0 1,056 32 0
Analog Devices Inc COM 032654105   1,787 9 SH   DFND 1 0 0 9
Aon PLC ADR Com G0403H108   1,194,637 4,105 SH   OTR 0 4,105 0 0
APA Corporation Com 03743Q108   326,006 9,086 SH   SOLE 0 9,086 0 0
APA Corporation Com 03743Q108   28,704 800 SH   OTR 0 800 0 0
Apple Inc Com 037833100   29,723,136 154,382 SH   SOLE 0 142,712 211 11,459
Apple Inc Com 037833100   33,429,369 173,632 SH   OTR 0 165,319 2,001 6,312
Apple Inc. COM 037833100   1,893,760 9,836 SH   DFND 1 0 0 9,836
Applied Materials Inc Com 038222105   281,191 1,735 SH   SOLE 0 1,735 0 0
Applied Materials Inc Com 038222105   379,244 2,340 SH   OTR 0 2,340 0 0
Aptiv Plc COM G6095L109   2,243 25 SH   DFND 1 0 0 25
Archer-Daniels-Midland Co. COM 039483102   36,110 500 SH   DFND 1 0 0 500
ARK Autonomous Tech & Robotics E COM 00214Q203   8,713 151 SH   DFND 1 0 0 151
Arrow Finl Corp Com 042744102   176,441 6,315 SH   SOLE 0 0 0 6,315
Arrow Finl Corp Com 042744102   152,636 5,463 SH   OTR 0 5,463 0 0
Arrow Manufacturing Co. Com 126001999   283,975 463 SH   SOLE 0 463 0 0
Asml Holding N V Com N07059210   5,298 7 SH   SOLE 0 7 0 0
Asml Holding N V Com N07059210   295,956 391 SH   OTR 0 391 0 0
AT&T Inc Com 00206R102   979,616 58,380 SH   SOLE 0 56,545 435 1,400
AT&T Inc Com 00206R102   861,636 51,349 SH   OTR 0 45,890 547 4,912
AT&T, Inc. COM 00206R102   183,334 10,926 SH   DFND 1 0 0 10,926
Atmos Energy Corp COM 049560105   14,140 122 SH   DFND 1 0 0 122
Auto Data Processing COM 053015103   13,512 58 SH   DFND 1 0 0 58
Autodesk Inc Com 052769106   182,610 750 SH   SOLE 0 750 0 0
Autodesk Inc Com 052769106   299,967 1,232 SH   OTR 0 1,232 0 0
Autoliv Inc Com 052800109   1,034,464 9,388 SH   SOLE 0 8,344 0 1,044
Autoliv Inc Com 052800109   1,184,102 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103   4,520,317 19,403 SH   SOLE 0 19,123 0 280
Automatic Data Processing Inc Com 053015103   6,791,541 29,152 SH   OTR 0 28,124 115 913
Avanos Medical Inc COM 05350V106   449 20 SH   DFND 1 0 0 20
Axis Capital H Pfd COM 05461T305   4,182 200 SH   DFND 1 0 0 200
B & G Foods Inc COM 05508R106   5,880 560 SH   DFND 1 0 0 560
Ball Corp Com 058498106   205,922 3,580 SH   OTR 0 3,580 0 0
BANK MONTREAL QUE F COM 063671101   4,495,437 45,436 SH   DFND 1 45,436 0 0
Bank of America Corp Com 060505104   959,561 28,499 SH   SOLE 0 28,067 0 432
Bank of America Corp Com 060505104   681,784 20,249 SH   OTR 0 20,249 0 0
Bank of America Corporation COM 060505104   109,958 3,265 SH   DFND 1 864 0 2,401
Bank of New York Mellon Corp Com 064058100   513,213 9,860 SH   SOLE 0 9,860 0 0
Bank of New York Mellon Corp Com 064058100   26,025 500 SH   OTR 0 0 0 500
Baxter Intl Inc Com 071813109   195,078 5,046 SH   SOLE 0 5,046 0 0
Baxter Intl Inc Com 071813109   118,802 3,073 SH   OTR 0 1,073 0 2,000
Becton Dickinson Com 075887109   470,104 1,928 SH   SOLE 0 1,928 0 0
Becton Dickinson Com 075887109   218,472 896 SH   OTR 0 883 13 0
Berkshire Hathaway Inc Class A Com 084670108   2,713,125 5 SH   OTR 0 5 0 0
Berkshire Hathaway Inc. COM 084670702   339,897 953 SH   DFND 1 100 0 853
Berkshire Hathaway Inc-Cl B Com 084670702   3,192,107 8,950 SH   SOLE 0 8,720 30 200
Berkshire Hathaway Inc-Cl B Com 084670702   13,265,612 37,194 SH   OTR 0 37,016 38 140
Best Buy Company Inc Com 086516101   247,521 3,162 SH   SOLE 0 3,162 0 0
Best Buy Company Inc Com 086516101   26,146 334 SH   OTR 0 334 0 0
Better Choice Co Inc COM 08771Y303   1,383 5,000 SH   DFND 1 0 0 5,000
Bhp Billiton Ltd Adr COM 088606108   7,919 116 SH   DFND 1 0 0 116
BHP Group Ltd Spons ADR Com 088606108   160,050 2,343 SH   SOLE 0 2,143 0 200
BHP Group Ltd Spons ADR Com 088606108   51,233 750 SH   OTR 0 750 0 0
Blackrock Inc Cl A Com 09247X101   1,390,613 1,713 SH   SOLE 0 1,713 0 0
Blackrock Inc Cl A Com 09247X101   446,490 550 SH   OTR 0 520 0 30
Blackrock US Carbon Trns COM 09290C509   28,211 539 SH   DFND 1 0 0 539
Blackrock Wrld Ex US COM 09290C608   4,548 104 SH   DFND 1 0 0 104
Blackstone Inc Com 09260D107   146,892 1,122 SH   SOLE 0 1,122 0 0
Blackstone Inc Com 09260D107   762,478 5,824 SH   OTR 0 5,824 0 0
Boeing CO Com 097023105   1,912,202 7,336 SH   SOLE 0 7,136 0 200
Boeing CO Com 097023105   2,287,031 8,774 SH   OTR 0 8,608 16 150
Boston Scientific Corp Com 101137107   18,904 327 SH   SOLE 0 327 0 0
Boston Scientific Corp Com 101137107   276,621 4,785 SH   OTR 0 4,785 0 0
BP PLC Spons ADR Com 055622104   103,580 2,926 SH   SOLE 0 2,926 0 0
BP PLC Spons ADR Com 055622104   222,312 6,280 SH   OTR 0 6,280 0 0
BrandywineGLOBAL - Global Inco Com 10537L104   156,239 18,700 SH   SOLE 0 18,700 0 0
Brc Inc COM 05601U105   2,087 575 SH   DFND 1 0 0 575
Brighthouse Financial, Inc. COM 10922N103   582 11 SH   DFND 1 0 0 11
Bristol Myers Squibb CO Com 110122108   2,516,909 49,053 SH   SOLE 0 46,273 660 2,120
Bristol Myers Squibb CO Com 110122108   2,511,317 48,944 SH   OTR 0 44,565 69 4,310
Bristol-Myers Squibb Co. COM 110122108   31,396 611 SH   DFND 1 241 0 370
Broadcom Inc Com 11135F101   446,500 400 SH   SOLE 0 400 0 0
Broadcom Inc Com 11135F101   1,419,870 1,272 SH   OTR 0 1,260 0 12
Brookfield Asset Mgmt Inc Cl A Com 113004105   1,292,148 32,167 SH   OTR 0 32,167 0 0
Brookfield Renewable Corporation COM 11284V105   2,476 86 SH   DFND 1 0 0 86
Brown Forman Corp Com 115637209   544,734 9,540 SH   OTR 0 9,540 0 0
Builders Firstsource COM 12008R107   333,880 2,000 SH   DFND 1 0 0 2,000
Cadence Design System Inc Com 127387108   360,890 1,325 SH   SOLE 0 1,325 0 0
Canadian National Railway Comp Com 136375102   12,689 101 SH   SOLE 0 101 0 0
Canadian National Railway Comp Com 136375102   2,488,730 19,810 SH   OTR 0 19,810 0 0
Canadian Pacific Kansas City L Com 13646K108   2,293 29 SH   SOLE 0 29 0 0
Canadian Pacific Kansas City L Com 13646K108   287,937 3,642 SH   OTR 0 3,642 0 0
Capital Southwest Corp COM 140501107   607 26 SH   DFND 1 0 0 26
Cardinal Health Inc Com 14149Y108   178,114 1,767 SH   SOLE 0 1,767 0 0
Cardinal Health Inc Com 14149Y108   83,160 825 SH   OTR 0 825 0 0
Carrier Global Corp COM 14448C104   7,124 124 SH   DFND 1 0 0 124
Carrier Global Corporation Com 14448C104   1,167,212 20,317 SH   SOLE 0 19,523 100 694
Carrier Global Corporation Com 14448C104   2,192,981 38,172 SH   OTR 0 36,367 1,066 739
Caterpillar Inc Com 149123101   3,460,817 11,705 SH   SOLE 0 10,817 0 888
Caterpillar Inc Com 149123101   6,835,003 23,117 SH   OTR 0 22,547 30 540
Caterpillar Inc COM 149123101   3,721,418 12,586 SH   DFND 1 12,396 0 190
Chargepoint Hldgs Inc COM 15961R105   456 195 SH   DFND 1 0 0 195
Charles Schwab Corp Com 808513105   284,006 4,128 SH   SOLE 0 4,128 0 0
Charles Schwab Corp Com 808513105   252,221 3,666 SH   OTR 0 3,666 0 0
Chevron Corp. COM 166764100   49,569 332 SH   DFND 1 34 0 298
Chevron Corporation Com 166764100   6,209,457 41,630 SH   SOLE 0 39,371 299 1,960
Chevron Corporation Com 166764100   7,528,702 50,474 SH   OTR 0 48,473 360 1,641
Chewy Inc COM 16679L109   3,545 150 SH   DFND 1 0 0 150
Chimera Investment COM 16934Q208   998 200 SH   DFND 1 0 0 200
Chipotle Mexican Grill Inc Com 169656105   363,627 159 SH   SOLE 0 159 0 0
Chipotle Mexican Grill Inc Com 169656105   41,165 18 SH   OTR 0 18 0 0
Chubb Ltd Com H1467J104   74,806 331 SH   SOLE 0 331 0 0
Chubb Ltd Com H1467J104   2,041,684 9,034 SH   OTR 0 8,865 30 139
Cigna Group Com 125523100   281,184 939 SH   SOLE 0 902 0 37
Cigna Group Com 125523100   90,733 303 SH   OTR 0 303 0 0
Cisco Systems Inc Com 17275R102   3,844,764 76,104 SH   SOLE 0 71,599 0 4,505
Cisco Systems Inc Com 17275R102   5,773,122 114,274 SH   OTR 0 111,322 710 2,242
Cisco Systems, Inc. COM 17275R102   67,987 1,345 SH   DFND 1 25 0 1,320
Citigroup Inc Com 172967424   259,258 5,040 SH   SOLE 0 5,040 0 0
Citigroup Inc Com 172967424   308,589 5,999 SH   OTR 0 5,999 0 0
Citigroup, Inc. COM 172967424   33,436 650 SH   DFND 1 0 0 650
Citizens Financial Group, Inc. COM 174610105   36,653 1,106 SH   DFND 1 0 0 1,106
Citizens Finl Svcs COM 174615104   76,887 1,188 SH   DFND 1 0 0 1,188
Clearway Energy Inc COM 18539C204   63,994 2,333 SH   DFND 1 0 0 2,333
Clorox Co COM 189054109   14,402 101 SH   DFND 1 0 0 101
Clorox Company Com 189054109   531,005 3,724 SH   SOLE 0 3,724 0 0
Clorox Company Com 189054109   265,217 1,860 SH   OTR 0 1,375 0 485
CME Group Inc. Com 12572Q105   254,194 1,207 SH   SOLE 0 1,207 0 0
CME Group Inc. Com 12572Q105   42,752 203 SH   OTR 0 163 40 0
Coca Cola CO Com 191216100   2,744,311 46,569 SH   SOLE 0 40,982 603 4,984
Coca Cola CO Com 191216100   5,067,155 85,986 SH   OTR 0 81,097 84 4,805
Cohen & Steers Quality Income Re COM 19247L106   1,224 100 SH   DFND 1 0 0 100
Coinbase Global Inc COM 19260Q107   26,088 150 SH   DFND 1 0 0 150
Colgate Palmolive CO Com 194162103   1,039,100 13,036 SH   SOLE 0 11,250 336 1,450
Colgate Palmolive CO Com 194162103   367,065 4,605 SH   OTR 0 3,155 0 1,450
Colgate-Palmolive Co COM 194162103   31,007 389 SH   DFND 1 0 0 389
ComCast Corp-Cl A Com 20030N101   1,057,267 24,111 SH   SOLE 0 22,001 0 2,110
ComCast Corp-Cl A Com 20030N101   581,451 13,260 SH   OTR 0 11,174 913 1,173
Comcast Corporation COM 20030N101   38,150 870 SH   DFND 1 0 0 870
Commonwealth 6.5 PFD Series D C COM 294628201   2,513 100 SH   DFND 1 0 0 100
Communication Services Select Com 81369Y852   119,017 1,638 SH   SOLE 0 1,638 0 0
Communication Services Select Com 81369Y852   87,919 1,210 SH   OTR 0 930 280 0
Conmed Corp COM 207410101   11,170 102 SH   DFND 1 0 0 102
Conocophillips Com 20825C104   895,828 7,718 SH   SOLE 0 7,687 31 0
Conocophillips Com 20825C104   472,405 4,070 SH   OTR 0 3,920 150 0
Conocophillips COM 20825C104   16,482 142 SH   DFND 1 0 0 142
Consolidated Edison Inc. COM 209115104   173,480 1,907 SH   DFND 1 0 0 1,907
Constellation Brands Inc Com 21036P108   261,332 1,081 SH   OTR 0 1,081 0 0
Consumer Discretionary Selt Com 81369Y407   1,614,297 9,028 SH   SOLE 0 7,198 0 1,830
Consumer Discretionary Selt Com 81369Y407   212,963 1,191 SH   OTR 0 726 355 110
Consumer Staples Select Sector Com 81369Y308   551,813 7,661 SH   SOLE 0 6,323 0 1,338
Consumer Staples Select Sector Com 81369Y308   44,298 615 SH   OTR 0 130 305 180
Corning Inc Com 219350105   277,217 9,104 SH   SOLE 0 9,104 0 0
Corning Inc Com 219350105   226,853 7,450 SH   OTR 0 4,900 700 1,850
Corning Inc. COM 219350105   220,263 7,234 SH   DFND 1 0 0 7,234
Corteva Inc COM 22052L104   9,919 207 SH   DFND 1 0 0 207
Corteva Inc Com Com 22052L104   188,565 3,935 SH   SOLE 0 3,844 0 91
Corteva Inc Com Com 22052L104   463,243 9,667 SH   OTR 0 9,667 0 0
Costco Wholesale Corp Com 22160K105   1,462,077 2,215 SH   SOLE 0 2,215 0 0
Costco Wholesale Corp Com 22160K105   11,126,308 16,856 SH   OTR 0 16,172 0 684
Costco Wholesale Corporation COM 22160K105   108,913 165 SH   DFND 1 0 0 165
Crown Castle Inc Com 22822V101   102,519 890 SH   SOLE 0 890 0 0
Crown Castle Inc Com 22822V101   1,537,787 13,350 SH   OTR 0 13,230 0 120
Csx Corp Com 126408103   283,531 8,178 SH   SOLE 0 8,178 0 0
Csx Corp Com 126408103   250,664 7,230 SH   OTR 0 7,230 0 0
Cummins Inc Com 231021106   162,428 678 SH   SOLE 0 678 0 0
Cummins Inc Com 231021106   149,731 625 SH   OTR 0 600 25 0
CVS Health Corp Com 126650100   2,865,876 36,295 SH   SOLE 0 35,215 0 1,080
CVS Health Corp Com 126650100   1,189,927 15,070 SH   OTR 0 13,422 267 1,381
Danaher Corp Com 235851102   3,789,581 16,381 SH   SOLE 0 14,461 0 1,920
Danaher Corp Com 235851102   9,214,272 39,830 SH   OTR 0 38,540 120 1,170
Deere & CO Com 244199105   2,925,992 7,317 SH   SOLE 0 6,529 25 763
Deere & CO Com 244199105   12,161,246 30,413 SH   OTR 0 30,179 70 164
Deere & Company COM 244199105   4,119 10 SH   DFND 1 0 0 10
Deutsche Bank Ag ADR Com D18190898   136,190 10,000 SH   SOLE 0 10,000 0 0
Diageo Plc COM 25243Q205   6,992 48 SH   DFND 1 0 0 48
Dicks Sporting Goods Inc Com 253393102   617,384 4,201 SH   SOLE 0 3,461 0 740
Dicks Sporting Goods Inc Com 253393102   37,178 253 SH   OTR 0 253 0 0
Dick's Sporting Goods Inc. COM 253393102   15,374 105 SH   DFND 1 0 0 105
Digital Realty Trust Inc REIT Com 253868103   244,128 1,814 SH   SOLE 0 1,814 0 0
Digital World Acquisitio COM 25400Q105   9,030 516 SH   DFND 1 0 0 516
Dimensional Intern Core COM 25434V203   20,649 721 SH   DFND 1 0 0 721
Dimensional U.S. Equity ETF COM 25434V401   2,012,559 38,830 SH   DFND 1 0 0 38,830
Dimensional World ex U.S. Core E COM 25434V880   604,419 24,751 SH   DFND 1 0 0 24,751
Disney Walt CO New Com 254687106   3,220,373 35,667 SH   SOLE 0 34,450 0 1,217
Disney Walt CO New Com 254687106   3,896,465 43,155 SH   OTR 0 41,077 519 1,559
DNP Select Income Fund Inc COM 23325P104   22,328 2,633 SH   DFND 1 0 0 2,633
Dominion Resources Inc Com 25746U109   578,100 12,300 SH   SOLE 0 11,990 0 310
Dominion Resources Inc Com 25746U109   394,377 8,391 SH   OTR 0 6,091 0 2,300
Dominion Resources, Inc. COM 25746U109   97,196 2,068 SH   DFND 1 30 0 2,038
Dover Corp Com 260003108   151,349 984 SH   SOLE 0 584 0 400
Dover Corp Com 260003108   69,215 450 SH   OTR 0 450 0 0
Dow Inc Com Com 260557103   1,046,128 19,076 SH   SOLE 0 18,985 0 91
Dow Inc Com Com 260557103   1,160,085 21,154 SH   OTR 0 19,396 0 1,758
DTE Energy Co Com 233331107   295,938 2,684 SH   SOLE 0 2,684 0 0
Duke Energy Corp Com 26441C204   406,695 4,191 SH   SOLE 0 3,906 285 0
Duke Energy Corp Com 26441C204   145,754 1,502 SH   OTR 0 1,502 0 0
Dupont De Nemours Inc Com 26614N102   1,140,026 14,819 SH   SOLE 0 14,728 0 91
Dupont De Nemours Inc Com 26614N102   975,395 12,679 SH   OTR 0 11,800 34 845
Dutch Bros Inc COM 26701L100   1,584 50 SH   DFND 1 0 0 50
E3 Lithium Ltd COM 26925V108   830 500 SH   DFND 1 0 0 500
Eaton Corp PLC Com G29183103   1,232,035 5,116 SH   SOLE 0 5,116 0 0
Eaton Corp PLC Com G29183103   1,484,414 6,164 SH   OTR 0 5,299 0 865
Eaton Corp Plc COM G29183103   15,172 63 SH   DFND 1 0 0 63
Eaton Vance Tax Man Gl D COM 27829F108   6,176 800 SH   DFND 1 0 0 800
Ecolab Inc Com 278865100   1,152,017 5,808 SH   SOLE 0 5,808 0 0
Ecolab Inc Com 278865100   1,012,378 5,104 SH   OTR 0 4,654 0 450
EI DuPont de Nemours & Co. COM 26614N102   15,925 207 SH   DFND 1 0 0 207
Emerson Elec CO Com 291011104   1,319,600 13,558 SH   SOLE 0 13,558 0 0
Emerson Elec CO Com 291011104   555,365 5,706 SH   OTR 0 5,706 0 0
Enbridge Incorporated Com 29250N105   374,356 10,393 SH   SOLE 0 10,393 0 0
Enbridge Incorporated Com 29250N105   86,160 2,392 SH   OTR 0 2,392 0 0
Energy Select Sector SPDR Com 81369Y506   970,568 11,576 SH   SOLE 0 10,180 0 1,396
Energy Select Sector SPDR Com 81369Y506   206,582 2,464 SH   OTR 0 2,244 80 140
Energy Select Sector SPDR COM 81369Y506   12,576 150 SH   DFND 1 0 0 150
Enterprise Prods Partners LP Com 293792107   55,072 2,090 SH   SOLE 0 2,090 0 0
Enterprise Prods Partners LP Com 293792107   424,235 16,100 SH   OTR 0 16,100 0 0
Eog Res Inc Com 26875P101   124,941 1,033 SH   SOLE 0 1,033 0 0
Eog Res Inc Com 26875P101   294,513 2,435 SH   OTR 0 2,435 0 0
Etsy, Inc. COM 29786A106   8,105 100 SH   DFND 1 0 0 100
Exelon Corp Com 30161N101   138,897 3,869 SH   SOLE 0 3,869 0 0
Exelon Corp Com 30161N101   66,738 1,859 SH   OTR 0 1,509 0 350
Exxon Mobil Corporation COM 30231G102   750,464 7,506 SH   DFND 1 146 0 7,360
Exxonmobil Corp Com 30231G102   9,087,282 90,891 SH   SOLE 0 87,201 569 3,121
Exxonmobil Corp Com 30231G102   9,030,993 90,328 SH   OTR 0 86,685 660 2,983
Fastenal CO Com 311900104   758,781 11,715 SH   OTR 0 11,715 0 0
Fedex Corporation Com 31428X106   205,665 813 SH   SOLE 0 813 0 0
Fedex Corporation Com 31428X106   34,404 136 SH   OTR 0 136 0 0
FedEx Corporation COM 31428X106   12,649 50 SH   DFND 1 0 0 50
Fidelity MSCI Health Care Index COM 316092600   1,811 28 SH   DFND 1 0 0 28
Financial Select Sector SPDR Com 81369Y605   1,163,570 30,946 SH   SOLE 0 28,257 0 2,689
Financial Select Sector SPDR Com 81369Y605   45,496 1,210 SH   OTR 0 1,010 200 0
First Solar Inc Com 336433107   391,937 2,275 SH   OTR 0 2,275 0 0
First Solar Inc COM 336433107   5,858 34 SH   DFND 1 0 0 34
First Trust DW Dynamic Focus 5 COM 33738R878   562,472 17,161 SH   DFND 1 0 0 17,161
First Trust DW Focus 5 COM 33738R605   1,634,599 31,709 SH   DFND 1 0 0 31,709
First Trust DW Int'l Focus COM 33738R886   10,630 544 SH   DFND 1 0 0 544
First Trust Enhanced Short Matur COM 33739Q408   548,932 9,201 SH   DFND 1 0 0 9,201
First Trust ISE Water Index Fd COM 33733B100   477,403 5,036 SH   DFND 1 0 0 5,036
First Trust Low Duration COM 33739Q200   462,422 9,570 SH   DFND 1 0 0 9,570
First TRUST Mlp And Ener COM 33739B104   9,153 1,068 SH   DFND 1 0 0 1,068
First Trust Morningstar Div COM 336917109   14,352 400 SH   DFND 1 0 0 400
First Trust NASDAQ Cln EdgeSt COM 33737A108   81,150 775 SH   DFND 1 0 0 775
First Trust No Am Energy Infras COM 33738D101   11,076 400 SH   DFND 1 0 0 400
First TRUST Preferred COM 33739E108   94,500 5,605 SH   DFND 1 0 0 5,605
First Trust Rising Dividend COM 33738R506   864,181 16,725 SH   DFND 1 0 0 16,725
First Trust Senior Loan COM 33738D309   351,929 7,639 SH   DFND 1 0 0 7,639
First Trust Small Cap AlphaDEX COM 33734Y109   23,531 257 SH   DFND 1 0 0 257
First Trust Value Line Div Index COM 33734H106   955,796 23,565 SH   DFND 1 0 0 23,565
FirstTrust NASDAQ Clean Edge Gre COM 33733E500   1,476 35 SH   DFND 1 0 0 35
Fiserv Inc Com 337738108   645,868 4,862 SH   SOLE 0 4,862 0 0
Fiserv Inc Com 337738108   307,525 2,315 SH   OTR 0 2,315 0 0
FLAHERTY CRUMRINE TOTAL COM 338479108   1,410 30 SH   DFND 1 30 0 0
Flexshares Disciplined Duratio Com 33939L779   345,202 16,790 SH   SOLE 0 16,790 0 0
FlexShares Global Quality Real Com 33939L787   730,150 13,090 SH   SOLE 0 13,090 0 0
FlexShares Global Quality Real Com 33939L787   20,081 360 SH   OTR 0 360 0 0
FlexShares Global Quality Real E COM 33939L787   4,183 75 SH   DFND 1 0 0 75
FlexShares International Quali Com 33939L837   338,128 14,525 SH   SOLE 0 14,525 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407   43,129,359 1,053,220 SH   SOLE 0 1,049,199 0 4,021
FlexShares Mstar Glbl Upstrm N Com 33939L407   3,420,144 83,520 SH   OTR 0 80,630 340 2,550
FlexShares STOXX Glbl Brd Infr Com 33939L795   5,762,432 107,709 SH   SOLE 0 107,709 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795   972,095 18,170 SH   OTR 0 17,930 0 240
FlexShares STOXX Global Broad In COM 33939L795   4,066 76 SH   DFND 1 0 0 76
Flexshares Upstream COM 33939L407   8,927 218 SH   DFND 1 0 0 218
Ford Motor Co. COM 345370860   34,193 2,805 SH   DFND 1 0 0 2,805
Fortive Corp Com 34959J108   287,967 3,911 SH   SOLE 0 3,611 0 300
Fortive Corp Com 34959J108   1,614,411 21,926 SH   OTR 0 20,947 50 929
Freeport-McMoran Inc Com 35671D857   380,491 8,938 SH   SOLE 0 8,938 0 0
Freeport-McMoran Inc Com 35671D857   346,903 8,149 SH   OTR 0 6,365 59 1,725
Gabelli Dividend & Incom COM 36242H104   7,639 353 SH   DFND 1 0 0 353
Ge Healthcare Technologi COM 36266G107   24,515 317 SH   DFND 1 58 0 259
GE Healthcare Technologies Inc Com 36266G107   193,687 2,505 SH   SOLE 0 2,505 0 0
GE Healthcare Technologies Inc Com 36266G107   34,407 445 SH   OTR 0 445 0 0
General Dynamics Corp Com 369550108   1,509,981 5,815 SH   SOLE 0 5,665 0 150
General Dynamics Corp Com 369550108   404,826 1,559 SH   OTR 0 1,540 19 0
General Dynamics Corp. COM 369550108   15,061 58 SH   DFND 1 0 0 58
General Electric Co New Com 369604301   1,177,004 9,222 SH   SOLE 0 8,868 0 354
General Electric Co New Com 369604301   360,682 2,826 SH   OTR 0 2,817 0 9
General Electric Co. COM 369604301   557,898 437 SH   DFND 1 78 0 359
General Mls Inc Com 370334104   621,696 9,544 SH   SOLE 0 9,046 0 498
General Mls Inc Com 370334104   348,825 5,355 SH   OTR 0 4,810 0 545
General Motors Company COM 37045V100   1,796 50 SH   DFND 1 0 0 50
Genuine Parts CO Com 372460105   311,625 2,250 SH   SOLE 0 2,250 0 0
Genuine Parts Co COM 372460105   11,634 84 SH   DFND 1 0 0 84
Gerdau S.A. COM 373737105   1,271 262 SH   DFND 1 0 0 262
Gilead Sciences Inc Com 375558103   379,775 4,688 SH   SOLE 0 4,688 0 0
Gilead Sciences Inc Com 375558103   454,304 5,608 SH   OTR 0 5,548 60 0
Global X Lithium Battery COM 37954Y855   33,162 651 SH   DFND 1 0 0 651
Global X U.S. Infrastructure Dev COM 37954Y673   69 2 SH   DFND 1 0 0 2
Global X US Preferred ETF Com 37954Y657   232,800 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104   1,401,888 3,634 SH   SOLE 0 3,614 20 0
Goldman Sachs Group Inc Com 38141G104   1,448,181 3,754 SH   OTR 0 3,754 0 0
Goldman Sachs Group Inc COM 38141G104   13,888 36 SH   DFND 1 0 0 36
Golub Cap Bdc Inc Com 38173M102   185,730 12,300 SH   SOLE 0 12,300 0 0
GOODYEAR TIRE RUBBER COM 382550101   10,096 705 SH   DFND 1 705 0 0
Grainger W W Inc Com 384802104   2,530,819 3,054 SH   SOLE 0 3,054 0 0
Grainger W W Inc Com 384802104   1,124,532 1,357 SH   OTR 0 673 100 584
Graphic Packaging Holding Compan COM 388689101   6,631 269 SH   DFND 1 0 0 269
Greenpower Motor Co COM 39540E302   1,114 356 SH   DFND 1 0 0 356
GSK PLC Sponsored ADR Com 37733W204   302,373 8,159 SH   SOLE 0 8,159 0 0
GSK PLC Sponsored ADR Com 37733W204   129,117 3,484 SH   OTR 0 2,884 0 600
Gxo Logistics Inc COM 36262G101   7,890 129 SH   DFND 1 0 0 129
HARLEY DAVIDSON INC COM 412822108   1,020 27 SH   DFND 1 27 0 0
Health Care Select Sector SPDR Com 81369Y209   1,275,065 9,349 SH   SOLE 0 8,822 0 527
Health Care Select Sector SPDR Com 81369Y209   20,457 150 SH   OTR 0 150 0 0
Hershey Co. COM 427866108   156,982 842 SH   DFND 1 0 0 842
Home Depot Inc Com 437076102   2,002,541 5,779 SH   SOLE 0 5,481 0 298
Home Depot Inc Com 437076102   3,931,956 11,346 SH   OTR 0 10,346 150 850
Honda Motor Co Ltd COM 438128308   20,092 650 SH   DFND 1 0 0 650
Honeywell International Inc Com 438516106   4,691,842 22,373 SH   SOLE 0 21,458 0 915
Honeywell International Inc Com 438516106   2,123,943 10,128 SH   OTR 0 9,129 220 779
Honeywell Intl Inc COM 438516106   10,486 50 SH   DFND 1 0 0 50
Hormel Foods Corp COM 440452100   9,858 307 SH   DFND 1 0 0 307
Hubbell Inc Com 443510607   789,432 2,400 SH   SOLE 0 2,400 0 0
IBERDROLA S A FSPONSORED ADR 1 ADR REPS 4 ORD SHS COM 450737101   2,625 286 SH   DFND 1 286 0 0
iCAD, Inc. COM 44934S206   535 302 SH   DFND 1 0 0 302
IDEXX Laboratories, Inc. COM 45168D104   6,661 12 SH   DFND 1 0 0 12
Illinois Tool Wks Inc Com 452308109   512,093 1,955 SH   SOLE 0 1,955 0 0
Illinois Tool Wks Inc Com 452308109   274,251 1,047 SH   OTR 0 1,047 0 0
Illinois Tool Works Inc. COM 452308109   16,240 62 SH   DFND 1 0 0 62
Industrial Select Sector SPDR Com 81369Y704   1,091,817 9,578 SH   SOLE 0 9,319 0 259
Industrial Select Sector SPDR Com 81369Y704   59,845 525 SH   OTR 0 435 0 90
Ingersoll Rand Inc Com 45687V106   153,984 1,991 SH   SOLE 0 1,991 0 0
Ingersoll Rand Inc Com 45687V106   5,024,470 64,966 SH   OTR 0 64,966 0 0
Ingevity Corp COM 45688C107   331 7 SH   DFND 1 0 0 7
Intel Corp Com 458140100   3,317,706 66,024 SH   SOLE 0 63,621 903 1,500
Intel Corp Com 458140100   1,381,322 27,489 SH   OTR 0 25,349 1,015 1,125
Intercontinental Exchange Inc Com 45866F104   887,194 6,908 SH   SOLE 0 6,908 0 0
Intercontinental Exchange Inc Com 45866F104   55,225 430 SH   OTR 0 430 0 0
Intl Business Machines Corp. COM 459200101   501,190 3,064 SH   DFND 1 164 0 2,900
Intl. Business Machines Corp Com 459200101   3,354,407 20,510 SH   SOLE 0 18,420 395 1,695
Intl. Business Machines Corp Com 459200101   3,454,667 21,123 SH   OTR 0 19,632 0 1,491
Intuit Com 461202103   28,126 45 SH   SOLE 0 45 0 0
Intuit Com 461202103   654,406 1,047 SH   OTR 0 1,047 0 0
Intuitive Surgical COM 46120E602   31,374 93 SH   DFND 1 0 0 93
Intuitive Surgical Inc Com 46120E602   15,519 46 SH   SOLE 0 46 0 0
Intuitive Surgical Inc Com 46120E602   490,184 1,453 SH   OTR 0 1,453 0 0
Invesco Exchange Traded Fd Tr Com 46137V357   517,111 3,277 SH   SOLE 0 3,277 0 0
Invesco QQQ Trust COM 46090E103   23,343 57 SH   DFND 1 0 0 57
Invesco S&P 500 Low Volatility E COM 46138E354   67,610 1,079 SH   DFND 1 0 0 1,079
Invesco SP 500 Low Volatility Com 46138E354   218,871 3,493 SH   SOLE 0 3,493 0 0
Invsc Variable Rate COM 46138G870   10,848 470 SH   DFND 1 0 0 470
Ionis Pharmaceuticals Inc Com 462222100   862,560 17,050 SH   OTR 0 17,050 0 0
IQVIA Holdings Inc Com 46266C105   1,599,993 6,915 SH   OTR 0 6,915 0 0
Ishar Tru Esg Awr Usd COM 46435G193   11,914 512 SH   DFND 1 0 0 512
Ishares 0 To 3 Mnth COM 46436E718   1,805 18 SH   DFND 1 0 0 18
iShares 0-5 Year High Yield Corp COM 46434V407   32,425 768 SH   DFND 1 0 0 768
iShares 0-5 Year TIPS Bond ETF COM 46429B747   7,098 72 SH   DFND 1 0 0 72
IShares 0-5 Yr TIPs ETF Com 46429B747   5,244,495 53,195 SH   SOLE 0 53,195 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747   1,213,249 12,306 SH   OTR 0 11,430 265 611
Ishares 10-20 Year Tsury COM 464288653   170,834 1,578 SH   DFND 1 0 0 1,578
iShares 1-3 Year Treasury Bond COM 464287457   8,450 103 SH   DFND 1 0 0 103
Ishares 1-3 Year Treasury ETF Com 464287457   2,163,395 26,370 SH   SOLE 0 26,370 0 0
iShares 20 Year Treasury Bond COM 464287432   46,375 469 SH   DFND 1 0 0 469
Ishares 3-7 Year Treasury Bond Com 464288661   1,081,110 9,230 SH   SOLE 0 9,230 0 0
Ishares 5-10 Yr Inv Gr Corp Bd Com 464288638   220,064 4,232 SH   SOLE 0 4,232 0 0
Ishares 5-10 Yr Inv Gr Corp Bd Com 464288638   166,400 3,200 SH   OTR 0 3,200 0 0
Ishares Barclays 7-10 Year Tr Com 464287440   259,771 2,695 SH   SOLE 0 2,695 0 0
Ishares Barclays Mbs Bond ETF Com 464288588   752,170 7,995 SH   SOLE 0 7,995 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   228,094 2,122 SH   SOLE 0 2,122 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   21,498 200 SH   OTR 0 200 0 0
IShares Broad USD High Yield C Com 46435U853   185,022 5,090 SH   SOLE 0 5,090 0 0
IShares Broad USD High Yield C Com 46435U853   39,258 1,080 SH   OTR 0 1,080 0 0
iShares Broad USD High Yield Corporate Bond ETF COM 46435U853   4,289 118 SH   DFND 1 0 0 118
iShares Convertible Bond ETF COM 46435G102   85,585 1,089 SH   DFND 1 0 0 1,089
iShares Core Aggressive ETF COM 464289859   47,161 683 SH   DFND 1 0 0 683
Ishares Core Emerging Markets Com 46434G103   2,705,625 53,492 SH   SOLE 0 53,492 0 0
Ishares Core Emerging Markets Com 46434G103   857,179 16,947 SH   OTR 0 16,222 725 0
iShares Core Growth ETF COM 464289867   3,517,455 66,130 SH   DFND 1 0 0 66,130
Ishares Core High COM 46429B663   191,129 1,874 SH   DFND 1 0 0 1,874
iShares Core High Dividend ETF Com 46429B663   887,415 8,701 SH   SOLE 0 8,701 0 0
iShares Core Intl Aggregate Bond COM 46435G672   1,643 33 SH   DFND 1 0 0 33
IShares Core Intnl Agg Bond ET Com 46435G672   555,868 11,162 SH   SOLE 0 11,162 0 0
IShares Core Intnl Agg Bond ET Com 46435G672   61,752 1,240 SH   OTR 0 1,240 0 0
iShares Core Moderate Allocation COM 464289875   3,113 75 SH   DFND 1 0 0 75
Ishares Core Msci Eafe ETF Com 46432F842   7,017,835 99,756 SH   SOLE 0 99,706 0 50
Ishares Core Msci Eafe ETF Com 46432F842   1,643,446 23,361 SH   OTR 0 23,361 0 0
iShares Core MSCI EM ETF COM 46434G103   164,385 3,250 SH   DFND 1 0 0 3,250
iShares Core MSCI Total Int'l St COM 46432F834   3,187,673 49,094 SH   DFND 1 0 0 49,094
iShares Core S&P 500 COM 464287200   3,200,599 6,701 SH   DFND 1 0 0 6,701
Ishares Core S&P 500 ETF Com 464287200   482,884 1,011 SH   SOLE 0 1,011 0 0
Ishares Core S&P 500 ETF Com 464287200   105,556 221 SH   OTR 0 221 0 0
iShares Core S&P Mid-Cap COM 464287507   52,936 191 SH   DFND 1 0 0 191
Ishares Core S&P Mid-Cap ETF Com 464287507   2,232,166 8,054 SH   SOLE 0 8,054 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507   1,115,252 4,024 SH   OTR 0 3,879 0 145
iShares Core S&P Small-Cap COM 464287804   106,843 987 SH   DFND 1 0 0 987
Ishares Core S&P Small-Cap ETF Com 464287804   794,880 7,343 SH   SOLE 0 7,343 0 0
Ishares Core S&P Small-Cap ETF Com 464287804   70,038 647 SH   OTR 0 647 0 0
Ishares Core S&P US COM 464287671   9,285,304 89,196 SH   DFND 1 0 0 89,196
Ishares Core Total U.S. Aggreg Com 464287226   398,588 4,016 SH   SOLE 0 4,016 0 0
Ishares Core Total U.S. Aggreg Com 464287226   117,711 1,186 SH   OTR 0 1,186 0 0
iShares Core US Aggregate Bond E COM 464287226   3,965,335 39,953 SH   DFND 1 0 0 39,953
Ishares DJ Select Dividend ETF Com 464287168   216,740 1,849 SH   SOLE 0 1,849 0 0
Ishares DJ Select Dividend ETF Com 464287168   17,583 150 SH   OTR 0 150 0 0
iShares DJ US Consumer Goods COM 464287812   12,461 65 SH   DFND 1 0 0 65
Ishares DJ US Telcom Sector ET Com 464287713   490,046 21,531 SH   SOLE 0 21,531 0 0
Ishares DJ US Telcom Sector ET Com 464287713   471,155 20,701 SH   OTR 0 20,501 200 0
iShares DowJones EPAC Select D COM 464288448   77,980 2,786 SH   DFND 1 0 0 2,786
iShares Edge MSCI Min Vol USA COM 46429B697   180,483 1,894 SH   DFND 1 0 0 1,894
iShares Edge MSCI USA Value Fact COM 46432F388   63,225 625 SH   DFND 1 0 0 625
Ishares Esg Advanced COM 46436E759   10,349 162 SH   DFND 1 0 0 162
Ishares Esg Advanced COM 46436E767   18,198 457 SH   DFND 1 0 0 457
iShares ESG Aware MSCI USA ETF Com 46435G425   201,971 1,925 SH   SOLE 0 1,925 0 0
Ishares Esg Aware US COM 46435U549   4,917 103 SH   DFND 1 0 0 103
iShares ESG MSCI EM COM 46434G863   64,697 2,018 SH   DFND 1 0 0 2,018
iShares ESG MSCI USA COM 46435G425   1,392,079 13,268 SH   DFND 1 0 0 13,268
Ishares Fallen Angels COM 46435G474   253,387 9,598 SH   DFND 1 0 0 9,598
iShares Global Energy COM 464287341   665 17 SH   DFND 1 0 0 17
iShares Global Financials ETF COM 464287333   40,861 520 SH   DFND 1 0 0 520
iShares Global Tech COM 464287291   63,680 934 SH   DFND 1 0 0 934
Ishares Gold Etf COM 464285204   2,693 69 SH   DFND 1 0 0 69
iShares GSCI Commodity Dynamic R COM 46431W853   60,870 2,428 SH   DFND 1 0 0 2,428
Ishares Iboxx High Yield COM 464288513   4,401,401 56,873 SH   DFND 1 0 0 56,873
Ishares IBoxx High Yield Corpo Com 464288513   2,254,061 29,126 SH   SOLE 0 29,126 0 0
Ishares IBoxx High Yield Corpo Com 464288513   683,508 8,832 SH   OTR 0 8,832 0 0
iShares iBoxx InvGrade Corp Bd COM 464287242   413,204 3,734 SH   DFND 1 0 0 3,734
iShares International Treasury B COM 464288117   41 1 SH   DFND 1 0 0 1
iShares J.P. Morgan USD Emerging COM 464288281   49,874 560 SH   DFND 1 0 0 560
iShares KLD 400 Social Index COM 464288570   372,395 4,090 SH   DFND 1 0 0 4,090
Ishares Mbs Etf IV COM 464288588   405,391 4,309 SH   DFND 1 0 0 4,309
Ishares Morgstar Mid Cap COM 464288307   106,471 1,652 SH   DFND 1 0 0 1,652
iShares MSCI Brazil ETF COM 464286400   1,818 52 SH   DFND 1 0 0 52
iShares MSCI China ETF COM 46429B671   2,648 65 SH   DFND 1 0 0 65
Ishares Msci Eafe ETF Com 464287465   4,203,584 55,787 SH   SOLE 0 52,881 0 2,906
Ishares Msci Eafe ETF Com 464287465   1,673,825 22,214 SH   OTR 0 21,939 200 75
iShares MSCI EAFE Growth COM 464288885   669,330 6,911 SH   DFND 1 0 0 6,911
Ishares MSCI EAFE Growth ETF Com 464288885   20,039,166 206,909 SH   SOLE 0 205,056 0 1,853
Ishares MSCI EAFE Growth ETF Com 464288885   3,775,959 38,988 SH   OTR 0 38,908 0 80
Ishares Msci Eafe Small Cap ET Com 464288273   2,591,320 41,863 SH   SOLE 0 41,853 0 10
Ishares Msci Eafe Small Cap ET Com 464288273   484,987 7,835 SH   OTR 0 7,835 0 0
iShares MSCI EAFE Small-Cap COM 464288273   4,271 69 SH   DFND 1 0 0 69
Ishares Msci Eafe Value COM 464288877   860,432 16,515 SH   DFND 1 0 0 16,515
Ishares Msci Emerging COM 46434G764   776 14 SH   DFND 1 0 0 14
Ishares Msci Emerging Mkt ETF Com 464287234   2,946,423 73,276 SH   SOLE 0 71,533 525 1,218
Ishares Msci Emerging Mkt ETF Com 464287234   889,799 22,129 SH   OTR 0 21,193 561 375
iShares MSCI Germany ETF COM 464286806   1,188 40 SH   DFND 1 0 0 40
iShares MSCI South Korea ETF COM 464286772   1,507 23 SH   DFND 1 0 0 23
iShares MSCI United Kingdom ETF COM 46435G334   4,197 127 SH   DFND 1 0 0 127
iShares MSCI USA ESG Select ET Com 464288802   540,040 5,373 SH   SOLE 0 5,373 0 0
Ishares Msci Usa Momntum COM 46432F396   31,221 199 SH   DFND 1 0 0 199
Ishares Msci Usa Qlty COM 46432F339   303,697 2,064 SH   DFND 1 0 0 2,064
Ishares Nasdaq Biotech ETF Com 464287556   2,667,652 19,637 SH   SOLE 0 18,844 96 697
Ishares Nasdaq Biotech ETF Com 464287556   1,501,143 11,050 SH   OTR 0 9,263 240 1,547
iShares Nasdaq Biotechnology COM 464287556   20,378 150 SH   DFND 1 0 0 150
Ishares National Muni COM 464288414   64,070 591 SH   DFND 1 0 0 591
Ishares New York Muni Bond ETF Com 464288323   3,746,814 69,270 SH   SOLE 0 65,530 0 3,740
Ishares New York Muni Bond ETF Com 464288323   1,320,445 24,412 SH   OTR 0 21,037 0 3,375
iShares Russell 1000 COM 464287622   787 3 SH   DFND 1 0 0 3
IShares Russell 1000 ETF Com 464287622   245,213 935 SH   SOLE 0 935 0 0
Ishares Russell 1000 Growth ET Com 464287614   358,347 1,182 SH   SOLE 0 1,182 0 0
iShares Russell 2000 COM 464287655   147,120 733 SH   DFND 1 0 0 733
Ishares Russell 2000 ETF Com 464287655   5,695,990 28,379 SH   SOLE 0 26,695 0 1,684
Ishares Russell 2000 ETF Com 464287655   953,674 4,752 SH   OTR 0 4,617 100 35
Ishares Russell 2000 Growth ET Com 464287648   280,721 1,113 SH   SOLE 0 1,113 0 0
Ishares Russell 2000 Growth ET Com 464287648   616,426 2,444 SH   OTR 0 2,354 90 0
Ishares Russell 2000 Value ETF Com 464287630   344,367 2,217 SH   SOLE 0 2,217 0 0
Ishares Russell 2000 Value ETF Com 464287630   154,553 995 SH   OTR 0 830 165 0
Ishares Russell Mid Cap ETF Com 464287499   186,319 2,397 SH   SOLE 0 2,397 0 0
Ishares Russell Mid Cap ETF Com 464287499   24,874 320 SH   OTR 0 320 0 0
Ishares Russell Midcap Growth Com 464287481   642,116 6,147 SH   OTR 0 6,147 0 0
Ishares Russell MidCap Value Com 464287473   115,709 995 SH   SOLE 0 995 0 0
Ishares Russell MidCap Value Com 464287473   135,245 1,163 SH   OTR 0 1,163 0 0
IShares Russell Top 200 Growth Com 464289438   303,131 1,730 SH   SOLE 0 1,730 0 0
Ishares S&P 100 Etf COM 464287101   1,564 7 SH   DFND 1 0 0 7
Ishares S&P 500 Growth COM 464287309   22,455 299 SH   DFND 1 0 0 299
Ishares S&P 500 Growth ETF Com 464287309   495,285 6,595 SH   SOLE 0 6,595 0 0
Ishares S&P 500 Growth ETF Com 464287309   21,704 289 SH   OTR 0 289 0 0
Ishares S&P 500 Value ETF Com 464287408   696,777 4,007 SH   SOLE 0 4,007 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606   301,511 3,806 SH   SOLE 0 3,806 0 0
Ishares S&P Pref Stk ETF Com 464288687   1,995,193 63,969 SH   SOLE 0 63,969 0 0
Ishares S&P Pref Stk ETF Com 464288687   281,303 9,019 SH   OTR 0 5,839 0 3,180
Ishares S&P Small Cap COM 464287879   106,471 1,033 SH   DFND 1 0 0 1,033
Ishares S&P Smallcap/600 Growt Com 464287887   231,509 1,850 SH   SOLE 0 1,850 0 0
Ishares S&P Smallcap/600 Growt Com 464287887   113,001 903 SH   OTR 0 903 0 0
Ishares S&P Smll Cap 600 COM 464287887   2,932,906 23,437 SH   DFND 1 0 0 23,437
iShares Short-Term Corporate Bon COM 464288646   126,085 2,459 SH   DFND 1 0 0 2,459
iShares Silver Trust COM 46428Q109   3,376 155 SH   DFND 1 0 0 155
iShares TIPS Bond ETF COM 464287176   3,519,223 32,740 SH   DFND 1 0 0 32,740
Ishares Total Usd Bond COM 46434V613   2,199,059 47,733 SH   DFND 1 0 0 47,733
Ishares Tr 10 Yr Invst Grd Com 464289511   497,130 9,435 SH   SOLE 0 9,435 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   679,804 13,258 SH   SOLE 0 13,258 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   13,619,871 265,624 SH   OTR 0 256,954 0 8,670
iShares Tr Intrm Gov Cr ETF Com 464288612   1,190,597 11,365 SH   SOLE 0 11,365 0 0
Ishares Tr Rus 1000 Val ETF Com 464287598   227,219 1,375 SH   SOLE 0 1,375 0 0
Ishares Treasury COM 46434V860   72,929 1,445 SH   DFND 1 0 0 1,445
iShares U.S. Infrastructure ETF COM 46435U713   105,467 2,619 SH   DFND 1 0 0 2,619
iShares U.S. Medical Devices COM 464288810   22,667 420 SH   DFND 1 0 0 420
iShares U.S. Treasury Bond COM 46429B267   867,525 37,653 SH   DFND 1 0 0 37,653
iShares US Energy ETF COM 464287796   65,077 1,475 SH   DFND 1 0 0 1,475
Ishares US Technology COM 464287721   171,727 1,399 SH   DFND 1 0 0 1,399
Ishrs 0-5 Year Inv Grd COM 46434V100   57,958 1,178 SH   DFND 1 0 0 1,178
Ishs Msci Emerg Mrkt Min COM 464286533   254,491 4,578 SH   DFND 1 0 0 4,578
Jacobs Solutions Inc Com 46982L108   231,953 1,787 SH   SOLE 0 1,787 0 0
Jacobs Solutions Inc Com 46982L108   395,890 3,050 SH   OTR 0 1,150 0 1,900
Johnson & Johnson Com 478160104   9,102,781 58,076 SH   SOLE 0 52,954 0 5,122
Johnson & Johnson Com 478160104   8,692,330 55,457 SH   OTR 0 51,487 260 3,710
Johnson & Johnson COM 478160104   458,308 3,054 SH   DFND 1 286 0 2,768
JP Morgan Chase & CO Com 46625H100   11,733,753 68,981 SH   SOLE 0 67,203 112 1,666
JP Morgan Chase & CO Com 46625H100   13,812,120 81,200 SH   OTR 0 75,485 544 5,171
JPMorgan BetaBuilders Japan ETF COM 46641Q217   4,464 85 SH   DFND 1 0 0 85
JPMorgan Chase & Co. COM 46625H100   343,468 2,019 SH   DFND 1 1,100 0 919
JPMorgan Equity Premium Income E COM 46641Q332   38,046 692 SH   DFND 1 0 0 692
JPMorgan Municipal ETF Com 46641Q647   1,385,602 27,190 SH   SOLE 0 27,190 0 0
JPMorgan Municipal ETF Com 46641Q647   404,877 7,945 SH   OTR 0 7,945 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   280,786 5,590 SH   SOLE 0 5,590 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   261,899 5,214 SH   OTR 0 5,214 0 0
Kellogg Co COM 487836108   10,287 184 SH   DFND 1 0 0 184
Kenvue Inc Com 49177J102   50,402 2,341 SH   SOLE 0 2,341 0 0
Kenvue Inc Com 49177J102   149,913 6,963 SH   OTR 0 6,963 0 0
KeyCorp COM 493267108   27,864 1,935 SH   DFND 1 0 0 1,935
Kimberly Clark Corp Com 494368103   652,873 5,373 SH   SOLE 0 5,373 0 0
Kimberly Clark Corp Com 494368103   133,661 1,100 SH   OTR 0 1,100 0 0
Kimberly-Clark Corporation COM 494368103   32,200 265 SH   DFND 1 0 0 265
Kkr & Co Inc COM 48251W104   71,251 860 SH   DFND 1 0 0 860
Kraft Heinz CO Com 500754106   193,923 5,244 SH   SOLE 0 5,244 0 0
Kraft Heinz CO Com 500754106   267,661 7,238 SH   OTR 0 7,238 0 0
Kraft Heinz Company COM 500754106   1,220 33 SH   DFND 1 0 0 33
Kyndryl Hldgs Inc COM 50155Q100   11,658 561 SH   DFND 1 0 0 561
Ladrx Corp COM 232828707   1 1 SH   DFND 1 0 0 1
Lam Research Corporation COM 512807108   122,189 156 SH   DFND 1 0 0 156
LAS VEGAS SANDS CORP COM 517834AF4   46,450 943 SH   DFND 1 943 0 0
Lexington Realty C PFD Series C COM 529043309   4,837 100 SH   DFND 1 0 0 100
Lilly Eli & CO Com 532457108   1,109,297 1,903 SH   SOLE 0 1,375 0 528
Lilly Eli & CO Com 532457108   4,573,007 7,845 SH   OTR 0 6,710 25 1,110
LILLY ELI & CO COM 532457108   74,781 128 SH   DFND 1 128 0 0
Lincoln National Corp. COM 534187208   25,891 960 SH   DFND 1 0 0 960
Linde PLC Com G54950103   2,192,781 5,339 SH   SOLE 0 5,339 0 0
Linde PLC Com G54950103   1,696,232 4,130 SH   OTR 0 3,205 0 925
Lithium Amers Argentin COM 53681K100   632 100 SH   DFND 1 0 0 100
Lithium Amers Corp COM 53680Q207   640 100 SH   DFND 1 0 0 100
Lockheed Martin Corp Com 539830109   3,166,603 6,987 SH   SOLE 0 6,435 0 552
Lockheed Martin Corp Com 539830109   1,555,066 3,431 SH   OTR 0 3,431 0 0
LOCKHEED MARTIN CORP COM 539830109   135,972 300 SH   DFND 1 300 0 0
Lowes Companies Inc COM 548661107   161,810 727 SH   DFND 1 503 0 224
Lowes Cos Inc Com 548661107   7,796,817 35,034 SH   SOLE 0 34,504 25 505
Lowes Cos Inc Com 548661107   9,510,007 42,732 SH   OTR 0 41,754 215 763
Lumen Technologies, Inc. COM 550241103   71 39 SH   DFND 1 0 0 39
Lvmh Moet Hennessy Lou COM 502441306   4,061 25 SH   DFND 1 0 0 25
Lyft Inc COM 55087P104   3,748 250 SH   DFND 1 0 0 250
M&T Bank Corp. COM 55261F104   22,892 167 SH   DFND 1 0 0 167
Markel Group INC COM Com 570535104   531,043 374 SH   OTR 0 374 0 0
Marriott International Inc Com 571903202   658,489 2,920 SH   SOLE 0 2,920 0 0
Marriott International Inc Com 571903202   30,444 135 SH   OTR 0 135 0 0
Marsh & Mc Lennan Co COM 571748102   9,474 50 SH   DFND 1 0 0 50
Marsh & McLennan Companies Inc Com 571748102   298,415 1,575 SH   SOLE 0 1,575 0 0
Marsh & McLennan Companies Inc Com 571748102   5,785,656 30,536 SH   OTR 0 30,089 0 447
Martin Marietta Matls Inc Com 573284106   416,590 835 SH   OTR 0 835 0 0
Masco Corp Com 574599106   343,674 5,131 SH   SOLE 0 5,131 0 0
Masco Corp Com 574599106   21,635 323 SH   OTR 0 323 0 0
Mastercard Inc Cl A Com 57636Q104   835,533 1,959 SH   SOLE 0 1,959 0 0
Mastercard Inc Cl A Com 57636Q104   2,397,839 5,622 SH   OTR 0 5,600 0 22
Materials Select SPDR Fund Com 81369Y100   1,693,698 19,800 SH   SOLE 0 17,768 0 2,032
Materials Select SPDR Fund Com 81369Y100   694,841 8,123 SH   OTR 0 7,483 315 325
Mc Donalds Corp COM 580135101   25,500 86 SH   DFND 1 0 0 86
McCormick & CO Inc Com 579780206   20,526 300 SH   SOLE 0 300 0 0
McCormick & CO Inc Com 579780206   415,857 6,078 SH   OTR 0 6,078 0 0
McCormick & Co. Inc. COM 579780206   479 7 SH   DFND 1 0 0 7
McDonalds Corp Com 580135101   8,491,453 28,638 SH   SOLE 0 28,408 75 155
McDonalds Corp Com 580135101   8,943,928 30,164 SH   OTR 0 29,042 238 884
McKesson Corp Com 58155Q103   323,160 698 SH   SOLE 0 698 0 0
Medclean Tech Inc Xxx COM 58405Y302   0 1 SH   DFND 1 0 0 1
Medtronic Inc. COM G5960L103   30,975 376 SH   DFND 1 0 0 376
Medtronic PLC Com G5960L103   925,704 11,237 SH   SOLE 0 11,237 0 0
Medtronic PLC Com G5960L103   747,681 9,076 SH   OTR 0 8,505 71 500
Mercadolibre, Inc. COM 58733R102   31,465 20 SH   DFND 1 0 0 20
Merck & CO Inc Com 58933Y105   5,155,229 47,287 SH   SOLE 0 45,867 620 800
Merck & CO Inc Com 58933Y105   6,378,324 58,506 SH   OTR 0 56,965 291 1,250
Merck & Co. Inc. COM 58933Y105   79,015 724 SH   DFND 1 134 0 590
Meta Platforms Inc Com 30303M102   1,642,728 4,641 SH   SOLE 0 4,641 0 0
Meta Platforms Inc Com 30303M102   1,203,818 3,401 SH   OTR 0 3,376 25 0
Meta Platforms, Inc. COM 30303M102   33,980 96 SH   DFND 1 0 0 96
Metlife Inc Com 59156R108   436,656 6,603 SH   SOLE 0 6,603 0 0
Metlife Inc Com 59156R108   106,535 1,611 SH   OTR 0 1,300 111 200
MetLife, Inc. COM 59156R108   21,889 331 SH   DFND 1 0 0 331
Mettler Toledo International Com 592688105   419,684 346 SH   OTR 0 346 0 0
MGE ENERGY INC COM 55277P104   133,739 1,849 SH   DFND 1 1,849 0 0
MGM RESORTS INTL COM 552953101   15,978 357 SH   DFND 1 357 0 0
Microchip Technology Inc Com 595017104   2,977,924 33,022 SH   SOLE 0 33,022 0 0
Microchip Technology Inc Com 595017104   761,570 8,445 SH   OTR 0 7,415 280 750
Microsoft Corp Com 594918104   25,333,815 67,370 SH   SOLE 0 64,217 125 3,028
Microsoft Corp Com 594918104   51,385,490 136,649 SH   OTR 0 134,253 672 1,724
Microsoft Corporation COM 594918104   458,569 1,219 SH   DFND 1 416 0 803
Midcap SPDR Trust Series 1 Com 78467Y107   8,499,448 16,752 SH   SOLE 0 15,761 0 991
Midcap SPDR Trust Series 1 Com 78467Y107   1,031,859 2,034 SH   OTR 0 1,952 50 32
Moelis & Company COM 60786M105   3,140 56 SH   DFND 1 0 0 56
Mondelez International Inc Com 609207105   937,751 12,947 SH   SOLE 0 12,533 0 414
Mondelez International Inc Com 609207105   4,971,885 68,644 SH   OTR 0 67,545 0 1,099
Mondelez International, Inc. COM 609207105   7,243 100 SH   DFND 1 0 0 100
Monster Beverage Corp New Com 61174X109   34,566 600 SH   SOLE 0 600 0 0
Monster Beverage Corp New Com 61174X109   255,500 4,435 SH   OTR 0 4,435 0 0
Moodys Corp Com 615369105   70,301 180 SH   SOLE 0 180 0 0
Moodys Corp Com 615369105   309,714 793 SH   OTR 0 793 0 0
Moody's Corporation COM 615369105   3,124 8 SH   DFND 1 0 0 8
Morgan Stanley Com 617446448   562,857 6,036 SH   SOLE 0 6,036 0 0
Morgan Stanley Com 617446448   89,240 957 SH   OTR 0 957 0 0
Morgan Stanley COM 617446448   9,325 100 SH   DFND 1 0 0 100
Motley Fool 100 Index ETF COM 74933W601   22,326 500 SH   DFND 1 0 0 500
NBT Bancorp Inc Com 628778102   8,135,653 194,122 SH   SOLE 0 31,281 0 162,841
NBT Bancorp Inc Com 628778102   3,521,374 84,022 SH   OTR 0 76,412 0 7,610
NBT Bancorp Inc. COM 628778102   651,265 15,540 SH   DFND 1 0 0 15,540
Netflix Inc Com 64110L106   357,370 734 SH   SOLE 0 734 0 0
Netflix Inc Com 64110L106   1,037,054 2,130 SH   OTR 0 2,130 0 0
Netflix, Inc. COM 64110L106   64,755 133 SH   DFND 1 0 0 133
New York Cmnty Banco COM 649445103   10,230 1,000 SH   DFND 1 0 0 1,000
Newmont Mining Corp. COM 651639106   4,346 105 SH   DFND 1 0 0 105
NEXE Innovations Inc. COM 65344W107   476 3,000 SH   DFND 1 0 0 3,000
Nextdoor Hldgs Inc COM 65345M108   945 500 SH   DFND 1 0 0 500
Nextera Energy Inc Com 65339F101   1,625,828 26,767 SH   SOLE 0 24,967 0 1,800
Nextera Energy Inc Com 65339F101   2,897,602 47,705 SH   OTR 0 37,998 84 9,623
Nextera Energy Inc COM 65339F101   66,024 1,087 SH   DFND 1 0 0 1,087
Nike Inc-Class B Com 654106103   2,060,767 18,981 SH   SOLE 0 18,981 0 0
Nike Inc-Class B Com 654106103   3,685,192 33,943 SH   OTR 0 33,587 0 356
Norfolk Southern Corp Com 655844108   629,244 2,662 SH   SOLE 0 2,662 0 0
Norfolk Southern Corp Com 655844108   1,021,162 4,320 SH   OTR 0 4,020 0 300
Northrop Grumman Corporation Com 666807102   391,365 836 SH   OTR 0 836 0 0
Northrop Grumman Corporation COM 666807102   47,463 101 SH   DFND 1 0 0 101
Novartis AG COM 66987V109   5,755 57 SH   DFND 1 0 0 57
Novartis Ag Spons ADR Com 66987V109   1,172,565 11,613 SH   SOLE 0 11,463 0 150
Novartis Ag Spons ADR Com 66987V109   1,479,917 14,657 SH   OTR 0 14,407 100 150
Nucor Corp Com 670346105   1,050,505 6,036 SH   SOLE 0 6,036 0 0
Nucor Corp Com 670346105   134,881 775 SH   OTR 0 775 0 0
Nucor Corporation COM 670346105   17,404 100 SH   DFND 1 0 0 100
Nvidia Corp Com 67066G104   2,706,629 5,466 SH   SOLE 0 5,089 0 377
Nvidia Corp Com 67066G104   776,010 1,567 SH   OTR 0 1,539 28 0
NVIDIA Corporation COM 67066G104   45,065 91 SH   DFND 1 0 0 91
Oneok Inc Com 682680103   737,310 10,500 SH   OTR 0 10,500 0 0
Oracle Corp. COM 68389X105   169,215 1,605 SH   DFND 1 0 0 1,605
Oracle Corporation Com 68389X105   3,514,087 33,331 SH   SOLE 0 31,831 0 1,500
Oracle Corporation Com 68389X105   2,305,227 21,865 SH   OTR 0 19,056 109 2,700
O'Reilly Automotive Inc Com 67103H107   532,995 561 SH   SOLE 0 561 0 0
Organon & Co. Common Stock COM 68622V106   1,016 70 SH   DFND 1 13 0 57
O'Shares FTSE U.S. Quality Divid COM 67110P407   57,244 1,242 SH   DFND 1 0 0 1,242
O'Shares Global Internet COM 67110P704   16,685 457 SH   DFND 1 0 0 457
Otis Worldwide Corp Com 68902V107   645,347 7,213 SH   SOLE 0 6,816 50 347
Otis Worldwide Corp Com 68902V107   905,436 10,120 SH   OTR 0 9,427 533 160
Ouster Inc COM 68989M103   384 50 SH   DFND 1 0 0 50
Pacer US Small Cap Cash Cows 1 Com 69374H857   245,496 5,111 SH   OTR 0 5,111 0 0
Palantir Technologies, Inc. Com 69608A108   238,028 13,863 SH   OTR 0 13,863 0 0
Palatin Technologies Inc. COM 696077403   318 80 SH   DFND 1 0 0 80
Palo Alto Networks Com 697435105   1,493,272 5,064 SH   SOLE 0 5,064 0 0
Palo Alto Networks Com 697435105   843,947 2,862 SH   OTR 0 2,543 20 299
Paychex Inc Com 704326107   381,152 3,200 SH   SOLE 0 3,200 0 0
Paychex Inc Com 704326107   82,186 690 SH   OTR 0 490 200 0
Paypal Holdings Inc Com 70450Y103   266,335 4,337 SH   SOLE 0 3,677 0 660
Paypal Holdings Inc Com 70450Y103   154,139 2,510 SH   OTR 0 660 0 1,850
PayPal Holdings, Inc. COM 70450Y103   3,992 65 SH   DFND 1 0 0 65
Pepsico Inc Com 713448108   7,900,277 46,516 SH   SOLE 0 45,887 56 573
Pepsico Inc Com 713448108   7,268,982 42,799 SH   OTR 0 41,227 294 1,278
Pepsico, Inc. COM 713448108   207,375 1,221 SH   DFND 1 0 0 1,221
Petrochina Co 'H'CNY1 Com 011014674   11,227 17,000 SH   OTR 0 17,000 0 0
Petroleo Brasileiro COM 71654V408   4,152 260 SH   DFND 1 0 0 260
Pfizer Inc Com 717081103   3,071,663 106,692 SH   SOLE 0 102,171 0 4,521
Pfizer Inc Com 717081103   2,282,241 79,272 SH   OTR 0 75,339 994 2,939
Pfizer Inc. COM 717081103   341,125 11,848 SH   DFND 1 1,083 0 10,765
Philip Morris International Com 718172109   823,012 8,748 SH   SOLE 0 8,073 0 675
Philip Morris International Com 718172109   2,223,675 23,636 SH   OTR 0 23,636 0 0
Philip Morris Intl, Inc. COM 718172109   11,290 120 SH   DFND 1 0 0 120
Phillips 66 COM 718546104   123,186 925 SH   DFND 1 784 0 141
Piedmont Office Realty Tr Inc. COM 720190206   8,845 1,244 SH   DFND 1 0 0 1,244
PIMCO 0-5 Year High Yield Corp Com 72201R783   153,861 1,653 SH   SOLE 0 1,653 0 0
PIMCO 0-5 Year High Yield Corp Com 72201R783   156,840 1,685 SH   OTR 0 1,685 0 0
Pimco Dynamic Income Cf COM 72201Y101   8,742 487 SH   DFND 1 0 0 487
PIMCO MUNICIPAL INCOME C COM 72200R107   20,526 2,200 SH   DFND 1 2,200 0 0
Pioneer Natural Res Co COM 723787107   15,742 70 SH   DFND 1 0 0 70
PLUG POWER INC COM 72919P103   225 50 SH   DFND 1 50 0 0
PORTILLOS INC COM 73642K106   15,930 1,000 SH   DFND 1 1,000 0 0
PPL Corporation COM 709051106   31,870 1,176 SH   DFND 1 0 0 1,176
Predictive Technology Group, Inc COM 74039H102   0 5 SH   DFND 1 0 0 5
Procter & Gamble CO Com 742718109   9,279,352 63,323 SH   SOLE 0 58,658 278 4,387
Procter & Gamble CO Com 742718109   14,298,201 97,572 SH   OTR 0 92,947 380 4,245
ProShares S&P 500 Div Aristocrat COM 74348A467   193,922 2,037 SH   DFND 1 0 0 2,037
Prudential Financial, Inc. COM 744320102   55,417 534 SH   DFND 1 0 0 534
Prudential Finl Inc Com 744320102   1,502,343 14,486 SH   SOLE 0 14,486 0 0
Prudential Finl Inc Com 744320102   1,296,064 12,497 SH   OTR 0 12,147 150 200
Public Service Enterprise Grou Com 744573106   93,070 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106   155,933 2,550 SH   OTR 0 2,550 0 0
Public Srvc Enterprise Grp Inc COM 744573106   58,337 954 SH   DFND 1 0 0 954
Qualcomm Inc Com 747525103   3,541,844 24,489 SH   SOLE 0 24,064 0 425
Qualcomm Inc Com 747525103   1,689,278 11,680 SH   OTR 0 10,955 225 500
QUALCOMM Inc. COM 747525103   11,570 80 SH   DFND 1 0 0 80
Quanta Services Inc COM 74762E102   21,580 100 SH   DFND 1 0 0 100
Quanta Services Incorporated Com 74762E102   1,212,364 5,618 SH   OTR 0 2,118 0 3,500
Raytheon Technologies Co COM 75513E101   147,329 1,751 SH   DFND 1 688 0 1,063
Rbc Bearings Inc Com 75524B104   1,192,834 4,187 SH   OTR 0 3,976 0 211
Real Estate Select Sect SPDR Com 81369Y860   1,063,593 26,550 SH   SOLE 0 24,432 105 2,013
Real Estate Select Sect SPDR Com 81369Y860   1,396,291 34,855 SH   OTR 0 34,704 26 125
Restaurant Brands COM 76131D103   5,938 76 SH   DFND 1 0 0 76
Rivian Automotive, Inc. COM 76954A103   2,346 100 SH   DFND 1 0 0 100
ROCKWELL AUTOMATION COM 773903109   5,588 18 SH   DFND 1 18 0 0
Rockwell Automation Inc Com 773903109   198,707 640 SH   SOLE 0 640 0 0
Rockwell Automation Inc Com 773903109   15,524 50 SH   OTR 0 50 0 0
Roper Technologies Inc Com 776696106   1,206,461 2,213 SH   OTR 0 2,213 0 0
RTX Corporation Com 75513E101   2,997,319 35,623 SH   SOLE 0 34,653 100 870
RTX Corporation Com 75513E101   4,397,998 52,270 SH   OTR 0 49,469 1,186 1,615
Rxo Inc COM 74982T103   3,001 129 SH   DFND 1 0 0 129
S E I Investments Co COM 784117103   190,968 3,005 SH   DFND 1 0 0 3,005
S&P Global Inc Com 78409V104   76,210 173 SH   SOLE 0 173 0 0
S&P Global Inc Com 78409V104   2,017,582 4,580 SH   OTR 0 3,080 0 1,500
Salesforce Inc Com 79466L302   2,166,958 8,235 SH   SOLE 0 8,142 0 93
Salesforce Inc Com 79466L302   1,544,106 5,868 SH   OTR 0 5,834 34 0
salesforce.com, inc. COM 79466L302   6,579 25 SH   DFND 1 0 0 25
Sandoz Group Ag COM 799926100   352 11 SH   DFND 1 0 0 11
Savient Pharmaceuticaxxx COM 80517Q100   0 500 SH   DFND 1 0 0 500
SCE Trust II Trust Preferred COM 78407R204   5,668 275 SH   DFND 1 0 0 275
Schlumberger Ltd Com 806857108   1,322,232 25,408 SH   SOLE 0 24,593 0 815
Schlumberger Ltd Com 806857108   788,250 15,147 SH   OTR 0 14,861 286 0
Schwab Emerging Markets COM 808524706   198 8 SH   DFND 1 0 0 8
Schwab Fundamental International COM 808524755   34 1 SH   DFND 1 0 0 1
Schwab Fundamental Intl COM 808524748   35 1 SH   DFND 1 0 0 1
Schwab Fundamental Intl Lg Co Com 808524755   288,054 8,540 SH   SOLE 0 8,540 0 0
Schwab Inter Term US Treasury COM 808524854   132,951 2,674 SH   DFND 1 0 0 2,674
Schwab International COM 808524805   400,425 10,834 SH   DFND 1 0 0 10,834
Schwab International Equity ET Com 808524805   2,981,009 80,655 SH   SOLE 0 80,655 0 0
Schwab International Equity ET Com 808524805   835,444 22,604 SH   OTR 0 21,939 0 665
Schwab Short-Term US Treasury COM 808524862   90,844 1,875 SH   DFND 1 0 0 1,875
Schwab U.S. Large-Cap COM 808524201   595,415 10,557 SH   DFND 1 0 0 10,557
Schwab U.S. Large-Cap Growth COM 808524300   744,981 8,980 SH   DFND 1 0 0 8,980
Schwab U.S. Mid-Cap COM 808524508   345,568 4,588 SH   DFND 1 0 0 4,588
Schwab U.S. Small-Cap COM 808524607   693,247 14,675 SH   DFND 1 0 0 14,675
Schwab US Aggregate Bd ETF Com 808524839   1,159,253 24,866 SH   SOLE 0 24,866 0 0
Schwab US Aggregate Bd ETF Com 808524839   668,251 14,334 SH   OTR 0 14,334 0 0
Schwab US Aggregate Bond COM 808524839   101,492 2,177 SH   DFND 1 0 0 2,177
Schwab US Broad Market COM 808524102   2,365 42 SH   DFND 1 0 0 42
Schwab US Dividend COM 808524797   3,820 50 SH   DFND 1 0 0 50
Schwab US Dividend Equity ETF Com 808524797   6,815,310 89,522 SH   SOLE 0 88,549 0 973
Schwab US Dividend Equity ETF Com 808524797   1,041,535 13,681 SH   OTR 0 13,681 0 0
Schwab US Small Cap ETF Com 808524607   2,455,016 51,969 SH   SOLE 0 51,969 0 0
Schwab US Small Cap ETF Com 808524607   352,930 7,471 SH   OTR 0 7,471 0 0
Schwab US Tips Etf COM 808524870   104 2 SH   DFND 1 0 0 2
Select Sector Health COM 81369Y209   1,500 11 SH   DFND 1 0 0 11
Sempra COM 816851109   7,473 100 SH   DFND 1 0 0 100
Shell Plc COM 780259305   6,580 100 SH   DFND 1 0 0 100
Shell PLC Spon ADS Com 780259305   11,976 182 SH   SOLE 0 182 0 0
Shell PLC Spon ADS Com 780259305   615,230 9,350 SH   OTR 0 4,750 0 4,600
Sherwin Williams CO Com 824348106   3,431 11 SH   SOLE 0 11 0 0
Sherwin Williams CO Com 824348106   3,908,731 12,532 SH   OTR 0 12,397 0 135
Shopify Inc. COM 82509L107   3,116 40 SH   DFND 1 0 0 40
Snap Inc. COM 83304A106   1,693 100 SH   DFND 1 0 0 100
Southern Company Com 842587107   1,273,660 18,164 SH   SOLE 0 18,164 0 0
Southern Company Com 842587107   587,535 8,379 SH   OTR 0 8,379 0 0
Southern Company COM 842587107   91,156 1,300 SH   DFND 1 0 0 1,300
Spdr Bloomberg 1 10 Yr COM 78468R861   3,290 177 SH   DFND 1 0 0 177
SPDR Bloomberg Barclays High Yie COM 78464A417   8,052 85 SH   DFND 1 0 0 85
SPDR Dow Jones Global Real Estat COM 78463X749   87 2 SH   DFND 1 0 0 2
SPDR Dow Jones Industrial Aver Com 78467X109   1,169,051 3,102 SH   SOLE 0 3,102 0 0
SPDR Dow Jones Industrial Aver Com 78467X109   309,033 820 SH   OTR 0 740 0 80
SPDR Dow Jones Industrial Averag COM 78467X109   37,687 100 SH   DFND 1 0 0 100
SPDR Gold Shares COM 78463V107   1,121,976 5,869 SH   DFND 1 220 0 5,649
SPDR Gold Trust Com 78463V107   273,947 1,433 SH   SOLE 0 1,366 0 67
SPDR Gold Trust Com 78463V107   473,337 2,476 SH   OTR 0 2,476 0 0
SPDR Portfolio Developed Wld e Com 78463X889   2,048,082 60,220 SH   SOLE 0 60,220 0 0
SPDR Portfolio Developed Wld e Com 78463X889   637,347 18,740 SH   OTR 0 18,740 0 0
SPDR Portfolio Developed World e COM 78463X889   64,347 1,892 SH   DFND 1 0 0 1,892
SPDR Portfolio Emerging Market Com 78463X509   276,729 7,815 SH   SOLE 0 7,815 0 0
SPDR Portfolio Emerging Market Com 78463X509   37,535 1,060 SH   OTR 0 1,060 0 0
SPDR Portfolio Emerging Markets COM 78463X509   44,440 1,255 SH   DFND 1 0 0 1,255
SPDR Portfolio Intermediate Te Com 78464A375   652,037 19,861 SH   SOLE 0 19,861 0 0
SPDR Portfolio S&P 500 Growth ET COM 78464A409   14,769 227 SH   DFND 1 0 0 227
SPDR Portfolio S&P 500 Value ETF COM 78464A508   21,543 462 SH   DFND 1 0 0 462
SPDR Portfolio S&P 600 Small Cap COM 78468R853   2,700 64 SH   DFND 1 0 0 64
SPDR Portfolio Short Term Corp Com 78464A474   1,202,219 40,370 SH   SOLE 0 40,370 0 0
SPDR Preferred Stock ETF Com 78464A292   494,588 14,755 SH   SOLE 0 14,755 0 0
SPDR S&P 500 ETF Trust Com 78462F103   6,591,154 13,867 SH   SOLE 0 13,290 0 577
SPDR S&P 500 ETF Trust Com 78462F103   1,198,257 2,521 SH   OTR 0 2,406 0 115
SPDR S&P 600 Small Cap Value ETF COM 78464A300   4,415 53 SH   DFND 1 0 0 53
SPDR S&P Aerospace & Defense ETF COM 78464A631   813 6 SH   DFND 1 0 0 6
SPDR S&P Dividend ETF Com 78464A763   11,169,694 89,379 SH   SOLE 0 89,379 0 0
SPDR S&P Dividend ETF Com 78464A763   956,021 7,650 SH   OTR 0 7,650 0 0
SPDR S&P Global Infrastructure E COM 78463X855   53 1 SH   DFND 1 0 0 1
SPDR S&P Regional Banking ETF Com 78464A698   1,579,410 30,124 SH   SOLE 0 29,162 0 962
SPDR S&P Regional Banking ETF Com 78464A698   1,128,241 21,519 SH   OTR 0 21,319 100 100
SPDR Tr Bloomberg 1-3 MO ETF Com 78468R663   240,447 2,631 SH   OTR 0 2,631 0 0
Starbucks Corp Com 855244109   667,558 6,953 SH   SOLE 0 6,953 0 0
Starbucks Corp Com 855244109   1,060,911 11,050 SH   OTR 0 11,050 0 0
Starbucks Corporation COM 855244109   2,496 26 SH   DFND 1 0 0 26
State Street Corp COM 857477103   4,260 55 SH   DFND 1 0 0 55
Stitch Fix Inc COM 860897107   714 200 SH   DFND 1 0 0 200
Stryker Corp. COM 863667101   85,945 287 SH   DFND 1 0 0 287
Stryker Corporation Com 863667101   365,641 1,221 SH   SOLE 0 1,221 0 0
Stryker Corporation Com 863667101   216,210 722 SH   OTR 0 722 0 0
Sunpower Corp COM 867652406   29 6 SH   DFND 1 0 0 6
Synchrony Financial COM 87165B103   7,638 200 SH   DFND 1 0 0 200
Synovus Financial Corp. COM 87161C600   1,344 36 SH   DFND 1 0 0 36
Sysco Corp Com 871829107   463,644 6,340 SH   SOLE 0 6,340 0 0
Sysco Corp Com 871829107   692,907 9,475 SH   OTR 0 9,475 0 0
Sysco Corporation COM 871829107   666,068 9,108 SH   DFND 1 0 0 9,108
T Rowe Price Group COM 74144T108   12,815 119 SH   DFND 1 0 0 119
T Rowe Price Group Inc Com 74144T108   2,149,815 19,963 SH   SOLE 0 19,913 50 0
T Rowe Price Group Inc Com 74144T108   1,345,694 12,496 SH   OTR 0 12,016 295 185
Taiwan Semiconductor Spons ADR Com 874039100   395,408 3,802 SH   OTR 0 3,802 0 0
Take Two Interactv COM 874054109   5,150 32 SH   DFND 1 0 0 32
Target Corp Com 87612E106   2,303,738 16,176 SH   SOLE 0 15,591 0 585
Target Corp Com 87612E106   1,882,792 13,220 SH   OTR 0 10,455 165 2,600
Te Connectivity Limited Com H84989104   1,314,799 9,358 SH   OTR 0 9,217 0 141
Technology Select Sect SPDR Com 81369Y803   2,699,917 14,027 SH   SOLE 0 13,766 162 99
Technology Select Sect SPDR Com 81369Y803   191,518 995 SH   OTR 0 845 150 0
Telefonaktiebolaget LM Ericsson COM 294821608   2,753 437 SH   DFND 1 0 0 437
Tesla Inc Com 88160R101   100,634 405 SH   SOLE 0 405 0 0
Tesla Inc Com 88160R101   619,958 2,495 SH   OTR 0 2,495 0 0
Tesla, Inc. COM 88160R101   502,178 2,021 SH   DFND 1 90 0 1,931
Texas Instruments Inc Com 882508104   542,745 3,184 SH   SOLE 0 3,184 0 0
Texas Instruments Inc Com 882508104   1,274,018 7,474 SH   OTR 0 7,342 0 132
Texas Instruments Inc. COM 882508104   2,610 15 SH   DFND 1 0 0 15
The Carlyle Group Inc. COM 14316J108   10,824 266 SH   DFND 1 0 0 266
The Charles Schwab Corp COM 808513105   59,306 862 SH   DFND 1 0 0 862
The Chemours Company COM 163851108   15,770 500 SH   DFND 1 0 0 500
The Coca-Cola Company COM 191216100   16,559 281 SH   DFND 1 0 0 281
The Dow Chemical Company COM 260557103   29,449 537 SH   DFND 1 0 0 537
The Hershey Company Com 427866108   64,322 345 SH   SOLE 0 345 0 0
The Hershey Company Com 427866108   861,166 4,619 SH   OTR 0 4,619 0 0
The Procter & Gamble Company COM 742718109   529,605 3,614 SH   DFND 1 439 0 3,175
The Travelers Companies, Inc. COM 89417E109   1,524 8 SH   DFND 1 0 0 8
Thermo Fisher Scientific Inc Com 883556102   207,539 391 SH   SOLE 0 391 0 0
Thermo Fisher Scientific Inc Com 883556102   6,122,663 11,535 SH   OTR 0 10,441 0 1,094
Thermo Fisher Scientific, Inc. COM 883556102   10,616 20 SH   DFND 1 0 0 20
TJX Cos Inc Com 872540109   3,257,834 34,728 SH   SOLE 0 33,128 300 1,300
TJX Cos Inc Com 872540109   3,280,911 34,974 SH   OTR 0 34,165 455 354
T-Mobile US Inc Com 872590104   91,709 572 SH   SOLE 0 572 0 0
T-Mobile US Inc Com 872590104   464,957 2,900 SH   OTR 0 1,600 0 1,300
Toyota Motor Corp Spons ADR Com 892331307   16,504 90 SH   SOLE 0 90 0 0
Toyota Motor Corp Spons ADR Com 892331307   215,472 1,175 SH   OTR 0 1,175 0 0
Tractor Supply Co Com 892356106   53,758 250 SH   SOLE 0 250 0 0
Tractor Supply Co Com 892356106   296,741 1,380 SH   OTR 0 1,380 0 0
Trane Technologies Plc ADR Com G8994E103   560,970 2,300 SH   SOLE 0 2,300 0 0
Trane Technologies Plc ADR Com G8994E103   17,400,070 71,341 SH   OTR 0 71,341 0 0
Transcoastal Corp. Com 89355M105   0 243,486 SH   OTR 0 243,486 0 0
Transdigm Group Inc Com 893641100   1,396,008 1,380 SH   OTR 0 1,380 0 0
Travelers Companies Inc Com 89417E109   269,162 1,413 SH   SOLE 0 1,413 0 0
Travelers Companies Inc Com 89417E109   25,907 136 SH   OTR 0 136 0 0
Truist Financial Corporation Com 89832Q109   323,459 8,761 SH   SOLE 0 8,457 0 304
Truist Financial Corporation Com 89832Q109   124,937 3,384 SH   OTR 0 3,384 0 0
U S BANCORP COM 902973304   482,725 11,153 SH   DFND 1 11,153 0 0
Uber Technologies Inc Com 90353T100   3,332,168 54,120 SH   OTR 0 54,120 0 0
Uber Technologies Inc COM 90353T100   3,079 50 SH   DFND 1 0 0 50
Under Armour Inc COM 904311206   418 50 SH   DFND 1 0 0 50
Under Armour, Inc. COM 904311107   440 50 SH   DFND 1 0 0 50
Union Pac Corp Com 907818108   4,406,914 17,942 SH   SOLE 0 17,034 0 908
Union Pac Corp Com 907818108   5,111,107 20,809 SH   OTR 0 19,179 50 1,580
United Parcel Service Cl B Com 911312106   858,790 5,462 SH   SOLE 0 5,462 0 0
United Parcel Service Cl B Com 911312106   2,165,529 13,773 SH   OTR 0 13,738 35 0
United Rentals Inc Com 911363109   418,597 730 SH   OTR 0 730 0 0
Unitedhealth Group Inc Com 91324P102   4,316,528 8,199 SH   SOLE 0 7,999 0 200
Unitedhealth Group Inc Com 91324P102   6,716,178 12,757 SH   OTR 0 12,524 74 159
Unitedhealth Group Inc COM 91324P102   1,053 2 SH   DFND 1 0 0 2
Universal Display Co COM 91347P105   19,126 100 SH   DFND 1 0 0 100
US Bancorp New Com 902973304   769,389 17,777 SH   SOLE 0 17,777 0 0
US Bancorp New Com 902973304   1,274,077 29,438 SH   OTR 0 28,414 555 469
Utilities Select Sector SPDR Com 81369Y886   1,726,249 27,258 SH   SOLE 0 23,095 0 4,163
Utilities Select Sector SPDR Com 81369Y886   897,069 14,165 SH   OTR 0 13,162 609 394
Utilities Select Sector SPDR Fun COM 81369Y886   52,311 826 SH   DFND 1 0 0 826
Vail Resorts Inc COM 91879Q109   1,114 5 SH   DFND 1 0 0 5
Vale Sa COM 91912E204   793 50 SH   DFND 1 0 0 50
Valero Energy Corp New COM 91913Y100   37,180 286 SH   DFND 1 0 0 286
VanEck BDC Income ETF COM 92189F411   825 51 SH   DFND 1 0 0 51
Vaneck ETF Trust Agribusiness Com 92189F700   834,504 10,954 SH   SOLE 0 10,173 0 781
Vaneck ETF Trust Agribusiness Com 92189F700   827,010 10,856 SH   OTR 0 10,631 125 100
VanEck Morningstar Wide Moat ETF COM 92189F643   5,262 62 SH   DFND 1 0 0 62
VanEck Vectors Agribusiness COM 92189F700   3,809 50 SH   DFND 1 0 0 50
Vaneck Vectors Gold Miners ETF Com 92189F106   2,944,368 94,949 SH   OTR 0 93,380 0 1,569
VanEck Vectors Social Sentiment COM 92189H839   168 9 SH   DFND 1 0 0 9
Vanguard Communication Services COM 92204A884   2,590 22 SH   DFND 1 0 0 22
Vanguard Consumer COM 92204A207   32,081 168 SH   DFND 1 0 0 168
Vanguard Dividend Appreciation Com 921908844   140,580 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844   119,280 700 SH   OTR 0 700 0 0
Vanguard Dividend Appreciation ETF COM 921908844   25,901 152 SH   DFND 1 0 0 152
Vanguard Emerging Markt COM 921946885   64 1 SH   DFND 1 0 0 1
Vanguard Extended Market Index Com 922908652   201,517 1,226 SH   OTR 0 1,226 0 0
Vanguard Financials Index COM 92204A405   4,244 46 SH   DFND 1 0 0 46
Vanguard FTSE All-World ex-US COM 922042775   235,158 4,188 SH   DFND 1 1,614 0 2,574
Vanguard Ftse All-World Ex-USI Com 922042775   546,467 9,734 SH   SOLE 0 9,734 0 0
Vanguard Ftse All-World Ex-USI Com 922042775   13,474 240 SH   OTR 0 240 0 0
Vanguard FTSE Developed Market Com 921943858   433,495 9,050 SH   SOLE 0 9,050 0 0
Vanguard FTSE Developed Market Com 921943858   216,987 4,530 SH   OTR 0 4,530 0 0
Vanguard FTSE Developed Markets COM 921943858   18,537 387 SH   DFND 1 0 0 387
Vanguard Ftse Emerging COM 922042858   6,371 155 SH   DFND 1 0 0 155
Vanguard Ftse Emerging Markets Com 922042858   1,454,406 35,387 SH   SOLE 0 35,387 0 0
Vanguard Ftse Emerging Markets Com 922042858   168,880 4,109 SH   OTR 0 3,609 0 500
Vanguard Health Care COM 92204A504   81,478 325 SH   DFND 1 0 0 325
Vanguard High Dividend Yield E Com 921946406   214,553 1,922 SH   SOLE 0 1,922 0 0
Vanguard High Dividend Yield E Com 921946406   69,211 620 SH   OTR 0 620 0 0
Vanguard Index Fund Mid-Cap Com 922908629   309,179 1,329 SH   SOLE 0 1,329 0 0
Vanguard Index Fund Mid-Cap Com 922908629   352,682 1,516 SH   OTR 0 1,516 0 0
Vanguard InfoTechnology COM 92204A702   2,425,161 5,011 SH   DFND 1 0 0 5,011
Vanguard Inter Term Corp Bond Com 92206C870   984,382 12,111 SH   SOLE 0 12,111 0 0
Vanguard Inter Term Corp Bond Com 92206C870   909,361 11,188 SH   OTR 0 11,188 0 0
Vanguard Intermediate-Term Bon Com 921937819   2,293,310 30,025 SH   SOLE 0 30,025 0 0
Vanguard Intermediate-Term Bon Com 921937819   278,787 3,650 SH   OTR 0 2,150 1,500 0
Vanguard Interm-Term Treasury In COM 92206C706   1,186 20 SH   DFND 1 0 0 20
Vanguard Large-Cap ETF Com 922908637   205,497 942 SH   OTR 0 942 0 0
Vanguard Materials COM 92204A801   24,882 131 SH   DFND 1 0 0 131
Vanguard Mega Cap Etf IV COM 921910873   63,311 374 SH   DFND 1 0 0 374
Vanguard Mega Cap Growth COM 921910816   19,463 75 SH   DFND 1 0 0 75
Vanguard Mega Cap Value COM 921910840   11,484 105 SH   DFND 1 0 0 105
Vanguard Mid Cap Growth COM 922908538   5,709 26 SH   DFND 1 0 0 26
Vanguard Mid Cap Value COM 922908512   4,350 30 SH   DFND 1 0 0 30
Vanguard Mid-Cap Index Fd ETF Sh COM 922908629   898,921 3,864 SH   DFND 1 0 0 3,864
Vanguard Mid-Cap Value Index F Com 922908512   490,279 3,381 SH   SOLE 0 3,381 0 0
Vanguard Mid-Cap Value Index F Com 922908512   121,659 839 SH   OTR 0 839 0 0
Vanguard Real Estate ETF Com 922908553   1,060,232 11,999 SH   SOLE 0 11,999 0 0
Vanguard Real Estate ETF Com 922908553   495,788 5,611 SH   OTR 0 5,316 295 0
Vanguard REIT COM 922908553   71,502 809 SH   DFND 1 0 0 809
VANGUARD RUSSELL 2000 ETF IV COM 92206C664   35,480 437 SH   DFND 1 437 0 0
Vanguard S&P 500 ETF Com 922908363   2,265,245 5,186 SH   SOLE 0 4,999 0 187
Vanguard S&P 500 ETF Com 922908363   58,968 135 SH   OTR 0 135 0 0
Vanguard S&P 500 Etf COM 922908363   343,521 786 SH   DFND 1 187 0 599
Vanguard Short Term COM 92206C102   3,150 54 SH   DFND 1 0 0 54
Vanguard Short Term Bond ETF Com 921937827   926,166 12,025 SH   SOLE 0 12,025 0 0
Vanguard Short Term Bond ETF Com 921937827   77,020 1,000 SH   OTR 0 1,000 0 0
Vanguard Short Term Corp Bond Com 92206C409   993,276 12,838 SH   SOLE 0 12,838 0 0
Vanguard Short Term Corp Bond Com 92206C409   49,672 642 SH   OTR 0 642 0 0
Vanguard Short-Term Bond COM 921937827   191,164 2,482 SH   DFND 1 0 0 2,482
Vanguard Short-Term Corp Bond COM 92206C409   7,310,150 94,483 SH   DFND 1 0 0 94,483
Vanguard Short-Term Treasury E Com 92206C102   250,236 4,290 SH   SOLE 0 4,290 0 0
Vanguard Short-Term Treasury E Com 92206C102   20,416 350 SH   OTR 0 350 0 0
VANGUARD SHRT INF PROT SEC INDEX ETF COM 922020805   20,958 441 SH   DFND 1 441 0 0
Vanguard Small Cap COM 922908595   3,385 14 SH   DFND 1 0 0 14
Vanguard Small Cap Etf COM 922908751   707,829 3,318 SH   DFND 1 0 0 3,318
Vanguard Small-Cap ETF Com 922908751   200,957 942 SH   SOLE 0 942 0 0
Vanguard Small-Cap ETF Com 922908751   129,065 605 SH   OTR 0 605 0 0
Vanguard Small-Cap Value COM 922908611   3,044,193 16,915 SH   DFND 1 0 0 16,915
Vanguard Total Bond Market ETF Com 921937835   1,205,705 16,393 SH   SOLE 0 16,393 0 0
Vanguard Total Bond Market ETF Com 921937835   215,502 2,930 SH   OTR 0 2,930 0 0
Vanguard Total Bond Market Index COM 921937835   182,992 2,488 SH   DFND 1 0 0 2,488
Vanguard Total Intl Stock Et Com 921909768   16,229 280 SH   SOLE 0 280 0 0
Vanguard Total Intl Stock Et Com 921909768   292,408 5,045 SH   OTR 0 5,045 0 0
Vanguard Total Stock Market COM 922908769   7,937,381 33,460 SH   DFND 1 703 0 32,757
Vanguard Total Stock Market ET Com 922908769   172,222 726 SH   SOLE 0 726 0 0
Vanguard Total Stock Market ET Com 922908769   503,453 2,122 SH   OTR 0 2,122 0 0
Vanguard Value Etf COM 922908744   8,309,958 55,585 SH   DFND 1 0 0 55,585
Vanguard Whitehall Funds COM 921946406   26,233 235 SH   DFND 1 0 0 235
Vanguard World Fund - Utilities COM 92204A876   30,599 223 SH   DFND 1 0 0 223
Veralto Corp Com 92338C103   60,790 739 SH   SOLE 0 619 0 120
Veralto Corp Com 92338C103   812,811 9,881 SH   OTR 0 9,789 39 53
Verizon Communications Com 92343V104   2,038,288 54,066 SH   SOLE 0 51,274 830 1,962
Verizon Communications Com 92343V104   1,811,862 48,060 SH   OTR 0 45,039 150 2,871
Verizon Communications Inc. COM 92343V104   202,620 5,373 SH   DFND 1 178 0 5,195
Vestas Wind Sys As Utd COM 925458101   14,162 1,350 SH   DFND 1 0 0 1,350
Viacomcbs Inc COM 92556H206   5,480 371 SH   DFND 1 0 0 371
Viatris Inc COM 92556V106   11,648 1,075 SH   DFND 1 4 0 1,071
Virtus Investment Partners, Inc. COM 92828Q109   2,901 12 SH   DFND 1 0 0 12
Visa Inc Cl A Com 92826C839   2,630,576 10,104 SH   SOLE 0 10,104 0 0
Visa Inc Cl A Com 92826C839   1,907,845 7,328 SH   OTR 0 7,228 100 0
Visa Inc. COM 92826C839   38,011 146 SH   DFND 1 0 0 146
Vision Technology Co COM 92834D100   0 100 SH   DFND 1 0 0 100
Vodafone Group plc COM 92857W209   5,072 583 SH   DFND 1 0 0 583
W E C ENERGY GROUP INC COM 976657106   76,090 904 SH   DFND 1 904 0 0
Wabtec COM 929740108   3,808 30 SH   DFND 1 0 0 30
Wal Mart Inc Com 931142103   2,517,513 15,969 SH   SOLE 0 15,569 0 400
Wal Mart Inc Com 931142103   2,506,004 15,896 SH   OTR 0 14,280 350 1,266
Walgreens Boots Alli COM 931427108   4,178 160 SH   DFND 1 0 0 160
Wal-Mart Stores Inc. COM 931142103   741,901 4,706 SH   DFND 1 0 0 4,706
Walt Disney Co. COM 254687106   133,358 1,477 SH   DFND 1 0 0 1,477
Warner Bros Discovery Inc. COM 934423104   29,167 2,563 SH   DFND 1 0 0 2,563
Waste Management Inc Com 94106L109   226,741 1,266 SH   SOLE 0 1,266 0 0
Waste Management Inc Com 94106L109   561,479 3,135 SH   OTR 0 2,905 0 230
Webster Finl Co COM 947890109   2,586 51 SH   DFND 1 0 0 51
Wells Fargo & CO Com 949746101   1,314,582 26,708 SH   SOLE 0 25,920 0 788
Wells Fargo & CO Com 949746101   774,477 15,735 SH   OTR 0 12,950 600 2,185
Wells Fargo & Company COM 949746101   42,351 860 SH   DFND 1 492 0 368
WELLTOWER INC REIT COM 95040Q104   12,623 140 SH   DFND 1 140 0 0
Wendy's International Inc. COM 95058W100   6,327 325 SH   DFND 1 0 0 325
Western Alliance Bancorporation COM 957638109   6,672 101 SH   DFND 1 0 0 101
Westrock Co COM 96145D105   14,781 356 SH   DFND 1 0 0 356
Weyerhaeuser CO REIT Com 962166104   1,008,052 28,992 SH   OTR 0 28,722 0 270
WisdomTree MidCap Dividend COM 97717W505   1,135,976 24,863 SH   DFND 1 0 0 24,863
WisdomTree MidCap Dividend ETF Com 97717W505   2,126,595 46,544 SH   SOLE 0 45,878 0 666
WisdomTree MidCap Dividend ETF Com 97717W505   280,719 6,144 SH   OTR 0 3,134 0 3,010
WisdomTree SmallCap Dividend COM 97717W604   1,007,275 31,311 SH   DFND 1 0 0 31,311
WisdomTree SmallCap Dividend E Com 97717W604   719,836 22,376 SH   SOLE 0 22,283 0 93
WisdomTree SmallCap Dividend E Com 97717W604   30,722 955 SH   OTR 0 955 0 0
Wk Kellogg Co COM 92942W107   604 46 SH   DFND 1 0 0 46
WYNN RESORTS COM 983134107   15,895 174 SH   DFND 1 174 0 0
Xcel Energy Inc COM 98389B100   78,192 1,263 SH   DFND 1 404 0 859
Xpo Logistics Inc COM 983793100   11,299 129 SH   DFND 1 0 0 129
Xylem Inc Com 98419M100   439,257 3,841 SH   SOLE 0 3,841 0 0
Xylem Inc Com 98419M100   85,770 750 SH   OTR 0 750 0 0
Yum China Holdings, Inc. COM 98850P109   7,765 183 SH   DFND 1 0 0 183
Yum! Brands Inc Com 988498101   247,601 1,895 SH   SOLE 0 1,895 0 0
Yum! Brands Inc Com 988498101   188,020 1,439 SH   OTR 0 1,439 0 0
Yum! Brands, Inc. COM 988498101   29,921 229 SH   DFND 1 0 0 229
Zimmer Biomet Holdings Inc Com 98956P102   438,485 3,603 SH   SOLE 0 3,413 0 190
Zimmer Biomet Holdings Inc Com 98956P102   392,239 3,223 SH   OTR 0 2,849 49 325
Zoetis Inc Com 98978V103   203,291 1,030 SH   SOLE 0 1,030 0 0
Zoetis Inc Com 98978V103   1,838,699 9,316 SH   OTR 0 9,316 0 0
Zoetis Inc COM 98978V103   86,251 437 SH   DFND 1 0 0 437