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   169 33 SH   DFND 1 0 0 33
3m CO Com 88579Y101   936,690 9,166 SH   SOLE 0 8,119 330 717
3m CO Com 88579Y101   225,329 2,205 SH   OTR 0 2,140 65 0
3M Company COM 88579Y101   10,219 100 SH   DFND 1 0 0 100
A P Moeller Maersk Ord COM K0514G135   25,473 15 SH   DFND 1 0 0 15
Abbott Laboratories COM 002824100   69,308 667 SH   DFND 1 0 0 667
Abbott Labs Com 002824100   7,871,183 75,750 SH   SOLE 0 74,850 0 900
Abbott Labs Com 002824100   4,449,426 42,820 SH   OTR 0 40,884 576 1,360
Abbvie Inc Com 00287Y109   5,010,271 29,211 SH   SOLE 0 28,911 0 300
Abbvie Inc Com 00287Y109   4,820,741 28,106 SH   OTR 0 26,731 255 1,120
AbbVie Inc. COM 00287Y109   138,074 805 SH   DFND 1 0 0 805
Aberdeen Std Physical Gold Shs ETF COM 00326A104   67,199 3,027 SH   DFND 1 0 0 3,027
Aberdeen Std Physical Swiss Gold COM 26922Y105   1,283,916 57,782 SH   DFND 1 0 0 57,782
Accenture plc COM G1151C101   11,833 39 SH   DFND 1 0 0 39
Accenture PLC Cl A Com G1151C101   305,837 1,008 SH   SOLE 0 1,008 0 0
Accenture PLC Cl A Com G1151C101   550,689 1,815 SH   OTR 0 1,785 30 0
Adobe Inc Com 00724F101   1,355,518 2,440 SH   SOLE 0 2,440 0 0
Adobe Inc Com 00724F101   989,972 1,782 SH   OTR 0 1,743 7 32
Advanced Micro Devices Inc Com 007903107   103,652 639 SH   SOLE 0 639 0 0
Advanced Micro Devices Inc Com 007903107   108,194 667 SH   OTR 0 667 0 0
Advanced Micro Devices, Inc. COM 007903107   7,875 50 SH   DFND 1 30 0 20
Aflac Inc Com 001055102   1,720,825 19,268 SH   SOLE 0 19,268 0 0
Aflac Inc Com 001055102   367,868 4,119 SH   OTR 0 4,119 0 0
Agnico Eagle Mines Ltd Com 008474108   41,398 633 SH   SOLE 0 633 0 0
Agnico Eagle Mines Ltd Com 008474108   377,750 5,776 SH   OTR 0 5,776 0 0
Air Products & Chemicals Inc Com 009158106   1,636,037 6,340 SH   SOLE 0 6,340 0 0
Air Products & Chemicals Inc Com 009158106   1,227,286 4,756 SH   OTR 0 4,706 0 50
Air Products and Chemicals, Inc. COM 009158106   11,870 46 SH   DFND 1 0 0 46
Alcon Inc COM H01301128   980 11 SH   DFND 1 0 0 11
Alibaba Group Hldg Ltd COM 01609W102   14,400 200 SH   DFND 1 0 0 200
Allbirds Inc COM 01675A109   25 50 SH   DFND 1 0 0 50
Allegion PLC Com G0176J109   79,397 672 SH   SOLE 0 672 0 0
Allegion PLC Com G0176J109   2,103,543 17,804 SH   OTR 0 17,804 0 0
AllianceBernstein Gl High IncFun COM 01879R106   9,191 877 SH   DFND 1 0 0 877
ALLIANT ENERGY CORP COM 018802108   141,072 2,764 SH   DFND 1 2,764 0 0
Allstate Corp Com 020002101   208,995 1,309 SH   SOLE 0 1,309 0 0
Allstate Corp Com 020002101   159,660 1,000 SH   OTR 0 1,000 0 0
Allstate Corporation COM 200021014   15,966 100 SH   DFND 1 0 0 100
Alphabet Inc Cl A Com 02079K305   16,672,425 91,531 SH   SOLE 0 90,471 0 1,060
Alphabet Inc Cl A Com 02079K305   16,798,602 92,224 SH   OTR 0 89,585 0 2,639
Alphabet Inc Cl C Com 02079K107   12,787,682 69,718 SH   SOLE 0 67,655 0 2,063
Alphabet Inc Cl C Com 02079K107   17,049,990 92,956 SH   OTR 0 90,270 86 2,600
Alphabet Inc. Class A COM 02079K305   546,970 3,000 SH   DFND 1 0 0 3,000
Alphabet Inc. Class C COM 02079K107   360,762 1,966 SH   DFND 1 0 0 1,966
Altaba Inc Xxx COM 021ESC017   0 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   622,122 13,658 SH   SOLE 0 12,883 0 775
Altria Group Inc Com 02209S103   1,745,339 38,317 SH   OTR 0 37,617 0 700
Altria Group, Inc. COM 02209S103   52,629 1,155 SH   DFND 1 0 0 1,155
Amazon.Com Inc Com 023135106   8,636,922 44,693 SH   SOLE 0 44,433 0 260
Amazon.Com Inc Com 023135106   8,764,661 45,354 SH   OTR 0 44,287 0 1,067
Amazon.com, Inc COM 023135106   239,990 1,240 SH   DFND 1 0 0 1,240
Ambarella Inc COM G037AX101   540 10 SH   DFND 1 0 0 10
Amcor Plc COM G0250X107   17,594 1,799 SH   DFND 1 0 0 1,799
American Express CO Com 025816109   2,442,158 10,547 SH   SOLE 0 10,397 0 150
American Express CO Com 025816109   2,302,302 9,943 SH   OTR 0 9,657 0 286
American Intl Group Inc COM 002687484   7,424 100 SH   DFND 1 0 0 100
American Tower Corp REIT Com 03027X100   243,169 1,251 SH   SOLE 0 1,251 0 0
American Tower Corp REIT Com 03027X100   85,916 442 SH   OTR 0 442 0 0
American Water Works CO Inc Com 030420103   1,040,513 8,056 SH   SOLE 0 8,056 0 0
American Water Works CO Inc Com 030420103   595,815 4,613 SH   OTR 0 3,825 100 688
Amgen Inc Com 031162100   1,306,666 4,182 SH   SOLE 0 4,182 0 0
Amgen Inc Com 031162100   501,170 1,604 SH   OTR 0 1,604 0 0
Amgen Inc. COM 031162100   68,114 218 SH   DFND 1 0 0 218
Amphenol Corp Com 032095101   902,489 13,396 SH   SOLE 0 12,396 0 1,000
Amphenol Corp Com 032095101   1,237,452 18,368 SH   OTR 0 18,368 0 0
Amplify CWP Enhanced Dividend Com 032108409   643,620 16,631 SH   SOLE 0 16,631 0 0
Amplify CWP Enhanced Dividend Com 032108409   193,500 5,000 SH   OTR 0 5,000 0 0
Analog Devices Inc Com 032654105   2,040,188 8,938 SH   SOLE 0 8,938 0 0
Analog Devices Inc Com 032654105   339,194 1,486 SH   OTR 0 1,454 32 0
Aon PLC ADR Com G0403H108   134,460 458 SH   SOLE 0 458 0 0
Aon PLC ADR Com G0403H108   910,979 3,103 SH   OTR 0 3,103 0 0
APA Corporation Com 03743Q108   250,476 8,508 SH   SOLE 0 8,508 0 0
APA Corporation Com 03743Q108   14,720 500 SH   OTR 0 500 0 0
Apple Inc Com 037833100   39,394,246 187,039 SH   SOLE 0 174,994 186 11,859
Apple Inc Com 037833100   26,459,348 125,626 SH   OTR 0 120,128 1,745 3,753
Apple Inc. COM 037833100   2,170,329 10,275 SH   DFND 1 0 0 10,275
Applied Materials Inc Com 038222105   418,882 1,775 SH   SOLE 0 1,775 0 0
Applied Materials Inc Com 038222105   521,538 2,210 SH   OTR   2,210 0 0
Aptiv Plc COM G6095L109   1,761 25 SH   DFND 1 0 0 25
Archer-Daniels-Midland Co. COM 039483102   30,225 500 SH   DFND 1 0 0 500
ARK Autonomous Tech & Robotics E COM 00214Q203   8,319 151 SH   DFND 1 0 0 151
Arrow Finl Corp Com 042744102   164,506 6,315 SH   SOLE 0 0 0 6,315
Arrow Finl Corp Com 042744102   142,311 5,463 SH   OTR 0 5,463 0 0
Asml Holding N V Com N07059210   75,682 74 SH   SOLE 0 74 0 0
Asml Holding N V Com N07059210   279,205 273 SH   OTR 0 273 0 0
AT&T Inc Com 00206R102   1,664,457 87,099 SH   SOLE 0 82,012 435 4,652
AT&T Inc Com 00206R102   884,029 46,260 SH   OTR 0 43,123 547 2,590
AT&T, Inc. COM 00206R102   200,823 10,509 SH   DFND 1 0 0 10,509
Atmos Energy Corp COM 049560105   14,231 122 SH   DFND 1 0 0 122
Auto Data Processing COM 053015103   13,844 58 SH   DFND 1 0 0 58
Autodesk Inc Com 052769106   212,065 857 SH   SOLE 0 857 0 0
Autoliv Inc Com 052800109   1,062,732 9,933 SH   SOLE 0 8,889 0 1,044
Autoliv Inc Com 052800109   1,149,715 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103   7,061,166 29,583 SH   SOLE 0 29,153 0 430
Automatic Data Processing Inc Com 053015103   4,350,125 18,225 SH   OTR 0 17,391 115 719
Axis Capital H Pfd COM 05461T305   4,224 200 SH   DFND 1 0 0 200
B & G Foods Inc COM 05508R106   6,141 760 SH   DFND 1 0 0 760
Baidu Inc COM 056752108   4,324 50 SH   DFND 1 0 0 50
BANK MONTREAL QUE F COM 063671101   3,797,468 45,436 SH   DFND 1 45,436 0 0
Bank of America Corp Com 060505104   2,490,795 62,630 SH   SOLE 0 62,198 0 432
Bank of America Corp Com 060505104   490,642 12,337 SH   OTR 0 12,337 0 0
Bank of America Corporation COM 060505104   130,622 3,283 SH   DFND 1 882 0 2,401
Bank of New York Mellon Corp Com 064058100   590,515 9,860 SH   SOLE 0 9,860 0 0
Bank of New York Mellon Corp Com 064058100   29,945 500 SH   OTR 0 0 0 500
Baxter Intl Inc Com 071813109   220,134 6,581 SH   SOLE 0 6,581 0 0
Baxter Intl Inc Com 071813109   61,481 1,838 SH   OTR 0 873 0 965
Becton Dickinson Com 075887109   613,722 2,626 SH   SOLE 0 2,626 0 0
Becton Dickinson Com 075887109   282,088 1,207 SH   OTR 0 1,194 13 0
Berkshire Hathaway Inc Class A Com 084670108   3,061,205 5 SH   OTR 0 5 0 0
Berkshire Hathaway Inc. COM 084670702   387,284 953 SH   DFND 1 100 0 853
Berkshire Hathaway Inc-Cl B Com 084670702   6,885,497 16,926 SH   SOLE 0 16,671 30 225
Berkshire Hathaway Inc-Cl B Com 084670702   8,887,360 21,847 SH   OTR 0 21,694 38 115
Best Buy Company Inc Com 086516101   262,732 3,117 SH   SOLE 0 3,117 0 0
Best Buy Company Inc Com 086516101   28,153 334 SH   OTR 0 334 0 0
Better Choice Co Inc COM 08771Y303   445 114 SH   DFND 1 0 0 114
Bhp Billiton Ltd Adr COM 088606108   12,327 216 SH   DFND 1 0 0 216
Blackrock Flexible COM 092528603   2,819 54 SH   DFND 1 0 0 54
Blackrock Inc Cl A Com 09247X101   1,760,448 2,236 SH   SOLE 0 2,226 0 10
Blackrock Inc Cl A Com 09247X101   334,611 425 SH   OTR 0 375 0 50
Blackrock US Carbon Trns COM 09290C509   32,021 539 SH   DFND 1 0 0 539
Blackrock US Eqy Fctr COM 09290C103   11,500 245 SH   DFND 1 0 0 245
Blackrock Wrld Ex US COM 09290C608   4,657 104 SH   DFND 1 0 0 104
Blackstone Inc Com 09260D107   150,912 1,219 SH   SOLE 0 1,219 0 0
Blackstone Inc Com 09260D107   720,021 5,816 SH   OTR 0 5,816 0 0
Boeing CO Com 097023105   1,116,995 6,137 SH   SOLE 0 5,937 0 200
Boeing CO Com 097023105   1,579,301 8,677 SH   OTR 0 8,661 16 0
Booking Hldgs Inc Com 09857L108   221,844 56 SH   OTR 0 56 0 0
Boston Scientific Corp Com 101137107   770 10 SH   SOLE 0 10 0 0
Boston Scientific Corp Com 101137107   368,493 4,785 SH   OTR 0 4,785 0 0
BP PLC Spons ADR Com 055622104   107,000 2,964 SH   SOLE 0 2,964 0 0
BP PLC Spons ADR Com 055622104   226,708 6,280 SH   OTR 0 6,280 0 0
BrandywineGLOBAL - Global Inco Com 10537L104   144,137 17,450 SH   SOLE 0 17,450 0 0
Brc Inc COM 05601U105   3,525 575 SH   DFND 1 0 0 575
Brighthouse Financial, Inc. COM 10922N103   477 11 SH   DFND 1 0 0 11
Bristol Myers Squibb CO Com 110122108   1,878,277 45,227 SH   SOLE 0 42,447 660 2,120
Bristol Myers Squibb CO Com 110122108   1,753,189 42,215 SH   OTR 0 41,586 69 560
Bristol-Myers Squibb Co. COM 110122108   29,896 718 SH   DFND 1 248 0 470
Broadcom Inc Com 11135F101   728,911 454 SH   SOLE 0 454 0 0
Broadcom Inc Com 11135F101   1,425,711 888 SH   OTR 0 876 0 12
Brookfield Asset Mgmt Inc Cl A Com 113004105   117,575 3,090 SH   SOLE 0 3,090 0 0
Brookfield Asset Mgmt Inc Cl A Com 113004105   839,231 22,056 SH   OTR 0 22,056 0 0
Brookfield Renewable Corporation COM 11284V105   2,441 86 SH   DFND 1 0 0 86
Builders Firstsource COM 12008R107   276,820 2,000 SH   DFND 1 0 0 2,000
Cadence Design System Inc Com 127387108   312,366 1,015 SH   SOLE 0 865 0 150
Canadian National Railway Comp Com 136375102   237,914 2,014 SH   SOLE 0 2,014 0 0
Canadian National Railway Comp Com 136375102   1,733,794 14,677 SH   OTR 0 14,677 0 0
Capital Southwest Corp COM 140501107   715 27 SH   DFND 1 0 0 27
Cardinal Health Inc Com 14149Y108   161,540 1,643 SH   SOLE 0 1,643 0 0
Cardinal Health Inc Com 14149Y108   81,114 825 SH   OTR 0 825 0 0
Carrier Global Corp COM 14448C104   7,822 124 SH   DFND 1 0 0 124
Carrier Global Corporation Com 14448C104   2,398,428 38,022 SH   SOLE 0 37,108 100 814
Carrier Global Corporation Com 14448C104   1,611,126 25,541 SH   OTR 0 23,856 1,066 619
Caterpillar Inc Com 149123101   5,206,020 15,629 SH   SOLE 0 14,741 0 888
Caterpillar Inc Com 149123101   5,807,932 17,436 SH   OTR 0 16,897 30 509
Caterpillar Inc COM 149123101   4,109,723 12,589 SH   DFND 1 12,399 0 190
CDW Corp Com 12514G108   186,235 832 SH   SOLE 0 832 0 0
CDW Corp Com 12514G108   13,878 62 SH   OTR 0 45 17 0
Celsius Holdings Inc COM 15118V207   5,709 100 SH   DFND 1 0 0 100
Chargepoint Hldgs Inc COM 15961R105   294 195 SH   DFND 1 0 0 195
Charles Schwab Corp Com 808513105   328,584 4,459 SH   SOLE 0 4,459 0 0
Charles Schwab Corp Com 808513105   269,926 3,663 SH   OTR 0 3,663 0 0
Chevron Corp. COM 166769572   50,839 325 SH   DFND 1 35 0 290
Chevron Corporation Com 166764100   8,463,499 54,108 SH   SOLE 0 51,796 245 2,067
Chevron Corporation Com 166764100   6,446,694 41,214 SH   OTR 0 39,318 360 1,536
Chimera Investment COM 16934Q208   845 66 SH   DFND 1 0 0 66
Chipotle Mexican Grill Inc Com 169656105   883,365 14,100 SH   SOLE 0 14,100 0 0
Chipotle Mexican Grill Inc Com 169656105   93,975 1,500 SH   OTR 0 900 0 600
Chubb Ltd Com H1467J104   1,038,176 4,070 SH   SOLE 0 4,020 0 50
Chubb Ltd Com H1467J104   1,306,010 5,120 SH   OTR 0 5,001 30 89
Cigna Group Com 125523100   337,843 1,022 SH   SOLE 0 985 0 37
Cisco Systems Inc Com 17275R102   5,537,671 116,558 SH   SOLE 0 111,691 0 4,867
Cisco Systems Inc Com 17275R102   3,600,118 75,776 SH   OTR 0 73,849 710 1,217
Cisco Systems, Inc. COM 17275R102   62,483 1,315 SH   DFND 1 26 0 1,289
Citigroup Inc Com 172967424   278,589 4,390 SH   SOLE 0 4,390 0 0
Citigroup Inc Com 172967424   316,031 4,980 SH   OTR 0 4,980 0 0
Citigroup, Inc. COM 172967424   41,249 650 SH   DFND 1 0 0 650
Citizens Financial Group, Inc. COM 174610105   39,849 1,106 SH   DFND 1 0 0 1,106
Citizens Finl Svcs COM 174615104   53,883 1,199 SH   DFND 1 0 0 1,199
Clearway Energy Inc COM 18539C204   57,602 2,333 SH   DFND 1 0 0 2,333
Clorox Co COM 189054109   13,783 101 SH   DFND 1 0 0 101
Clorox Company Com 189054109   511,490 3,748 SH   SOLE 0 3,748 0 0
Clorox Company Com 189054109   253,834 1,860 SH   OTR 0 1,375 0 485
CME Group Inc. Com 12572Q105   285,856 1,454 SH   SOLE 0 1,454 0 0
CME Group Inc. Com 12572Q105   39,910 203 SH   OTR 0 163 40 0
Coca Cola CO Com 191216100   4,617,998 72,553 SH   SOLE 0 66,966 603 4,984
Coca Cola CO Com 191216100   1,512,133 23,757 SH   OTR 0 18,948 84 4,725
Cohen & Steers Quality Income Re COM 19247L106   1,168 100 SH   DFND 1 0 0 100
Coinbase Global Inc COM 19260Q107   33,335 150 SH   DFND 1 0 0 150
Colgate Palmolive CO Com 194162103   1,847,448 19,038 SH   SOLE 0 17,311 277 1,450
Colgate Palmolive CO Com 194162103   281,901 2,905 SH   OTR 0 2,255 0 650
Colgate-Palmolive Co COM 194162103   37,749 389 SH   DFND 1 0 0 389
ComCast Corp-Cl A Com 20030N101   984,835 25,149 SH   SOLE 0 22,039 0 3,110
ComCast Corp-Cl A Com 20030N101   555,210 14,178 SH   OTR 0 11,973 913 1,292
Comcast Corporation COM 20030N101   34,069 870 SH   DFND 1 0 0 870
Commonwealth 6.5 PFD Series D C COM 294628201   2,491 100 SH   DFND 1 0 0 100
Communication Services Select Com 81369Y852   156,073 1,822 SH   SOLE 0 1,822 0 0
Communication Services Select Com 81369Y852   281,050 3,281 SH   OTR 0 3,001 280 0
Conmed Corp COM 207410101   7,071 102 SH   DFND 1 0 0 102
Conocophillips Com 20825C104   1,140,826 9,974 SH   SOLE 0 9,943 31 0
Conocophillips Com 20825C104   501,099 4,381 SH   OTR 0 4,231 150 0
Conocophillips COM 20825C104   16,242 142 SH   DFND 1 0 0 142
Consolidated Edison Inc. COM 209115104   171,970 1,923 SH   DFND 1 0 0 1,923
Constellation Brands Inc Com 21036P108   7,718 30 SH   SOLE 0 30 0 0
Constellation Brands Inc Com 21036P108   278,120 1,081 SH   OTR 0 1,081 0 0
Consumer Discretionary Selt Com 81369Y407   1,738,090 9,529 SH   SOLE 0 7,699 0 1,830
Consumer Discretionary Selt Com 81369Y407   175,651 963 SH   OTR 0 504 355 104
Consumer Staples Select Sector Com 81369Y308   578,049 7,548 SH   SOLE 0 6,198 0 1,350
Consumer Staples Select Sector Com 81369Y308   46,407 606 SH   OTR 0 130 305 171
Corning Inc Com 219350105   312,315 8,039 SH   SOLE 0 8,039 0 0
Corning Inc Com 219350105   205,905 5,300 SH   OTR 0 4,600 700 0
Corning Inc. COM 219350105   281,600 7,248 SH   DFND 1 0 0 7,248
Corteva Inc COM 22052L104   11,166 207 SH   DFND 1 0 0 207
Corteva Inc Com Com 22052L104   272,936 5,060 SH   SOLE 0 4,969 0 91
Corteva Inc Com Com 22052L104   453,905 8,415 SH   OTR 0 8,415 0 0
Costco Wholesale Corp Com 22160K105   6,805,020 8,006 SH   SOLE 0 7,931 0 75
Costco Wholesale Corp Com 22160K105   8,937,645 10,515 SH   OTR 0 9,924 0 591
Costco Wholesale Corporation COM 22160K105   140,248 165 SH   DFND 1 0 0 165
Crown Castle Inc Com 22822V101   149,970 1,535 SH   SOLE 0 1,535 0 0
Crown Castle Inc Com 22822V101   586,982 6,008 SH   OTR 0 6,008 0 0
Csx Corp Com 126408103   287,603 8,598 SH   SOLE 0 8,598 0 0
Csx Corp Com 126408103   211,872 6,334 SH   OTR 0 6,334 0 0
Cummins Inc Com 231021106   227,913 823 SH   SOLE 0 823 0 0
Cummins Inc Com 231021106   173,081 625 SH   OTR 0 600 25 0
CVS Health Corp Com 126650100   2,036,165 34,476 SH   SOLE 0 33,451 0 1,025
CVS Health Corp Com 126650100   859,382 14,551 SH   OTR 0 13,231 239 1,081
D R Horton Inc Com 23331A109   327,662 2,325 SH   OTR 0 2,325 0 0
Danaher Corp Com 235851102   6,146,810 24,602 SH   SOLE 0 22,682 0 1,920
Danaher Corp Com 235851102   6,075,103 24,315 SH   OTR 0 23,025 120 1,170
Deere & CO Com 244199105   4,983,889 13,339 SH   SOLE 0 12,562 13 764
Deere & CO Com 244199105   8,550,523 22,885 SH   OTR 0 22,651 70 164
Deere & Company COM 244199105   3,877 10 SH   DFND 1 0 0 10
Deutsche Bank Ag ADR Com D18190898   159,580 10,000 SH   SOLE 0 10,000 0 0
Devon Energy Corporation COM 25179M103   4,740 100 SH   DFND 1 0 0 100
Diageo Plc COM 25243Q205   6,052 48 SH   DFND 1 0 0 48
Dicks Sporting Goods Inc Com 253393102   889,261 4,139 SH   SOLE 0 3,391 0 748
Dicks Sporting Goods Inc Com 253393102   54,357 253 SH   OTR 0 253 0 0
Dick's Sporting Goods Inc. COM 253393102   22,562 105 SH   DFND 1 0 0 105
Digital Realty Trust Inc REIT Com 253868103   275,819 1,814 SH   SOLE 0 1,814 0 0
Digital World Acquisitio COM 25400Q105   16,899 516 SH   DFND 1 0 0 516
Dimensional Intern Core COM 25434V203   21,392 721 SH   DFND 1 0 0 721
Dimensional U.S. Equity ETF COM 25434V401   2,263,764 38,463 SH   DFND 1 0 0 38,463
Dimensional World ex U.S. Core E COM 25434V880   564,434 22,194 SH   DFND 1 0 0 22,194
Disney Walt CO New Com 254687106   4,086,412 41,156 SH   SOLE 0 39,834 0 1,322
Disney Walt CO New Com 254687106   3,254,627 32,779 SH   OTR 0 31,006 519 1,254
DNP Select Income Fund Inc COM 23325P104   21,643 2,633 SH   DFND 1 0 0 2,633
Dominion Resources Inc Com 25746U109   486,423 9,927 SH   SOLE 0 9,617 0 310
Dominion Resources Inc Com 25746U109   385,679 7,871 SH   OTR 0 5,941 0 1,930
Dominion Resources, Inc. COM 25746U109   102,675 2,095 SH   DFND 1 30 0 2,065
Dover Corp Com 260003108   177,563 984 SH   SOLE 0 584 0 400
Dover Corp Com 260003108   81,203 450 SH   OTR 0 450 0 0
Dow Inc Com Com 260557103   1,065,191 20,079 SH   SOLE 0 19,988 0 91
Dow Inc Com Com 260557103   902,911 17,020 SH   OTR 0 15,428 0 1,592
DTE Energy Co Com 233331107   297,951 2,684 SH   SOLE 0 2,684 0 0
Duke Energy Corp Com 26441C204   454,443 4,534 SH   SOLE 0 4,249 285 0
Duke Energy Corp Com 26441C204   125,488 1,252 SH   OTR 0 1,252 0 0
Dupont De Nemours Inc Com 26614N102   1,145,051 14,226 SH   SOLE 0 14,135 0 91
Dupont De Nemours Inc Com 26614N102   926,359 11,509 SH   OTR 0 11,297 34 178
Dutch Bros Inc COM 26701L100   2,070 50 SH   DFND 1 0 0 50
E3 Lithium Ltd COM 26925V108   530 500 SH   DFND 1 0 0 500
Eaton Corp PLC Com G29183103   1,658,052 5,288 SH   SOLE 0 5,288 0 0
Eaton Corp PLC Com G29183103   2,082,286 6,641 SH   OTR 0 5,859 0 782
Eaton Corp Plc COM G29183103   19,754 63 SH   DFND 1 0 0 63
Eaton Vance Tax Man Gl D COM 27829F108   6,760 800 SH   DFND 1 0 0 800
Ebay Inc Com 278642103   268,600 5,000 SH   SOLE 0 5,000 0 0
Ecolab Inc Com 278865100   1,461,320 6,140 SH   SOLE 0 6,140 0 0
Ecolab Inc Com 278865100   686,630 2,885 SH   OTR 0 2,435 0 450
EI DuPont de Nemours & Co. COM 26614N102   16,661 207 SH   DFND 1 0 0 207
Emerson Elec CO Com 291011104   1,538,605 13,967 SH   SOLE 0 13,967 0 0
Emerson Elec CO Com 291011104   430,726 3,910 SH   OTR 0 3,910 0 0
Enbridge Incorporated Com 29250N105   304,401 8,553 SH   SOLE 0 8,553 0 0
Enbridge Incorporated Com 29250N105   74,454 2,092 SH   OTR 0 2,092 0 0
Energy Select Sector SPDR Com 81369Y506   1,016,283 11,150 SH   SOLE 0 9,743 0 1,407
Energy Select Sector SPDR Com 81369Y506   223,956 2,457 SH   OTR 0 2,244 80 133
Energy Select Sector SPDR COM 81369Y506   13,673 150 SH   DFND 1 0 0 150
Enterprise Prods Partners LP Com 293792107   47,759 1,648 SH   SOLE 0 1,648 0 0
Enterprise Prods Partners LP Com 293792107   466,578 16,100 SH   OTR 0 16,100 0 0
Eog Res Inc Com 26875P101   152,429 1,211 SH   SOLE 0 1,211 0 0
Eog Res Inc Com 26875P101   134,177 1,066 SH   OTR 0 1,066 0 0
Etsy, Inc. COM 29786A106   17,694 300 SH   DFND 1 0 0 300
Exxon Mobil Corporation COM 30231G102   900,064 7,815 SH   DFND 1 149 0 7,666
Exxonmobil Corp Com 30231G102   12,375,630 107,502 SH   SOLE 0 103,854 527 3,121
Exxonmobil Corp Com 30231G102   8,285,877 71,976 SH   OTR 0 69,093 660 2,223
Fastenal CO Com 311900104   87,976 1,400 SH   SOLE 0 1,400 0 0
Fastenal CO Com 311900104   451,820 7,190 SH   OTR 0 7,190 0 0
Fedex Corporation Com 31428X106   321,728 1,073 SH   SOLE 0 1,073 0 0
FedEx Corporation COM 31428X106   14,992 50 SH   DFND 1 0 0 50
Financial Select Sector SPDR Com 81369Y605   1,181,954 28,751 SH   SOLE 0 26,062 0 2,689
Financial Select Sector SPDR Com 81369Y605   48,756 1,186 SH   OTR 0 1,010 176 0
First Solar Inc Com 336433107   22,546 100 SH   SOLE 0 100 0 0
First Solar Inc Com 336433107   512,922 2,275 SH   OTR 0 2,275 0 0
First Solar Inc COM 336433107   7,666 34 SH   DFND 1 0 0 34
First Trust DW Dynamic Focus 5 COM 33738R878   544,265 15,445 SH   DFND 1 0 0 15,445
First Trust DW Focus 5 COM 33738R605   1,548,432 28,874 SH   DFND 1 0 0 28,874
First Trust DW Int'l Focus COM 33738R886   10,700 544 SH   DFND 1 0 0 544
First Trust Enhanced Short Matur COM 33739Q408   471,680 7,914 SH   DFND 1 0 0 7,914
First Trust ISE Water Index Fd COM 33733B100   471,406 4,715 SH   DFND 1 0 0 4,715
First Trust Low Duration COM 33739Q200   395,355 8,228 SH   DFND 1 0 0 8,228
First Trust Morningstar Div COM 336917109   11,189 295 SH   DFND 1 0 0 295
First Trust NASDAQ Cln EdgeSt COM 33737A108   84,720 733 SH   DFND 1 0 0 733
First TRUST Preferred COM 33739E108   83,762 4,825 SH   DFND 1 0 0 4,825
First Trust Rising Dividend COM 33738R506   834,796 15,249 SH   DFND 1 0 0 15,249
First Trust Senior Loan COM 33738D309   312,245 6,831 SH   DFND 1 0 0 6,831
First Trust Small Cap AlphaDEX COM 33734Y109   23,248 257 SH   DFND 1 0 0 257
First Trust Value Line Div Index COM 33734H106   750,310 18,413 SH   DFND 1 0 0 18,413
First Trust Value Line Dividen Com 33734H106   1,222,500 30,000 SH   SOLE 0 30,000 0 0
FirstTrust NASDAQ Clean Edge Gre COM 33733E500   1,190 35 SH   DFND 1 0 0 35
Fiserv Inc Com 337738108   625,223 4,195 SH   SOLE 0 4,195 0 0
Fiserv Inc Com 337738108   345,028 2,315 SH   OTR 0 2,315 0 0
FLAHERTY CRUMRINE TOTAL COM 338479108   8,782 568 SH   DFND 1 568 0 0
Flexshares Disciplined Duratio Com 33939L779   340,627 16,790 SH   SOLE 0 16,790 0 0
FlexShares Global Quality Real Com 33939L787   746,983 13,685 SH   SOLE 0 13,685 0 0
FlexShares Global Quality Real Com 33939L787   18,449 338 SH   OTR 0 338 0 0
FlexShares Global Quality Real E COM 33939L787   3,603 66 SH   DFND 1 0 0 66
FlexShares International Quali Com 33939L837   338,481 13,610 SH   SOLE 0 13,610 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407   43,162,301 1,075,294 SH   SOLE 0 1,070,333 0 4,961
FlexShares Mstar Glbl Upstrm N Com 33939L407   3,008,894 74,960 SH   OTR 0 73,330 340 1,290
FlexShares Real Assets Allocat Com 33939L738   354,317 11,750 SH   SOLE 0 11,750 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795   5,386,126 101,262 SH   SOLE 0 101,262 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795   965,399 18,150 SH   OTR 0 17,910 0 240
FlexShares STOXX Global Broad In COM 33939L795   3,298 62 SH   DFND 1 0 0 62
Flexshares Upstream COM 33939L407   7,386 184 SH   DFND 1 0 0 184
Ford Motor Co. COM 345370860   38,937 3,105 SH   DFND 1 0 0 3,105
Fortive Corp Com 34959J108   697,874 9,418 SH   SOLE 0 9,018 0 400
Fortive Corp Com 34959J108   959,225 12,945 SH   OTR 0 12,101 50 794
Freeport-McMoran Inc Com 35671D857   398,617 8,202 SH   SOLE 0 8,202 0 0
Freeport-McMoran Inc Com 35671D857   389,966 8,024 SH   OTR 0 6,240 59 1,725
FT Energy Income Partners Enhanc COM 33740F276   10,739 578 SH   DFND 1 0 0 578
Gabelli Dividend & Incom COM 36242H104   8,017 353 SH   DFND 1 0 0 353
GE Aerospace Com 369604301   1,515,779 9,535 SH   SOLE 0 9,181 0 354
GE Aerospace Com 369604301   358,954 2,258 SH   OTR 0 2,249 0 9
Ge Healthcare Technologi COM 36266G107   24,620 317 SH   DFND 1 58 0 259
GE Healthcare Technologies Inc Com 36266G107   248,721 3,192 SH   SOLE 0 3,192 0 0
GE Healthcare Technologies Inc Com 36266G107   260,487 3,343 SH   OTR 0 3,343 0 0
GE Vernova Inc Com 36828A101   304,945 1,778 SH   SOLE 0 1,690 0 88
GE Vernova Inc Com 36828A101   95,360 556 SH   OTR 0 554 0 2
Ge Vernova Inc COM 36828A101   36,453 213 SH   DFND 1 19 0 194
General Dynamics Corp Com 369550108   4,545,623 15,667 SH   SOLE 0 15,517 0 150
General Dynamics Corp Com 369550108   452,038 1,558 SH   OTR 0 1,539 19 0
General Dynamics Corp. COM 369550108   16,828 58 SH   DFND 1 0 0 58
General Electric Co. COM 369604301   69,330 437 SH   DFND 1 78 0 359
General Mls Inc Com 370334104   2,074,139 32,788 SH   SOLE 0 31,987 0 801
General Mls Inc Com 370334104   299,536 4,735 SH   OTR 0 4,735 0 0
General Motors Company COM 37045V100   2,323 50 SH   DFND 1 0 0 50
Genuine Parts CO Com 372460105   266,404 1,926 SH   SOLE 0 1,926 0 0
Genuine Parts Co COM 372460105   11,619 84 SH   DFND 1 0 0 84
Gerdau S.A. COM 373737105   1,036 314 SH   DFND 1 0 0 314
Gilead Sciences Inc Com 375558103   384,147 5,599 SH   SOLE 0 5,599 0 0
Gilead Sciences Inc Com 375558103   279,654 4,076 SH   OTR 0 4,076 0 0
Gilead Sciences Inc. COM 375558103   3,431 50 SH   DFND 1 0 0 50
Gldmn Schs Acs Inv Grd COM 381430479   2,353 52 SH   DFND 1 0 0 52
Global X Lithium Battery COM 37954Y855   25,265 651 SH   DFND 1 0 0 651
GLOBAL X ROBOTICS ARTFCLINTLGNC ETF COM 37954Y715   12,694 413 SH   DFND 1 413 0 0
Global X US Preferred ETF Com 37954Y657   236,160 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104   1,587,643 3,510 SH   SOLE 0 3,490 20 0
Goldman Sachs Group Inc Com 38141G104   1,698,009 3,754 SH   OTR 0 3,754 0 0
Goldman Sachs Group Inc COM 38141G104   16,284 36 SH   DFND 1 0 0 36
Golub Cap Bdc Inc Com 38173M102   193,233 12,300 SH   SOLE 0 12,300 0 0
Golub Cap Bdc Inc Com 38173M102   1,036,656 65,987 SH   OTR 0 65,987 0 0
GOODYEAR TIRE RUBBER COM 382550101   7,896 705 SH   DFND 1 705 0 0
Grainger W W Inc Com 384802104   6,248,914 6,926 SH   SOLE 0 6,926 0 0
Grainger W W Inc Com 384802104   1,224,340 1,357 SH   OTR 0 673 100 584
Graphic Packaging Holding Compan COM 388689101   7,050 269 SH   DFND 1 0 0 269
Greenpower Motor Co COM 39540E302   370 356 SH   DFND 1 0 0 356
GSK PLC Sponsored ADR Com 37733W204   340,417 8,842 SH   SOLE 0 8,842 0 0
GSK PLC Sponsored ADR Com 37733W204   132,633 3,445 SH   OTR 0 2,845 0 600
Gxo Logistics Inc COM 36262G101   6,515 129 SH   DFND 1 0 0 129
HARLEY DAVIDSON INC COM 412822108   922 28 SH   DFND 1 28 0 0
Health Care Select Sector SPDR Com 81369Y209   1,267,343 8,695 SH   SOLE 0 8,164 0 531
Health Care Select Sector SPDR Com 81369Y209   21,863 150 SH   OTR 0 150 0 0
Hershey Co. COM 427866108   154,785 842 SH   DFND 1 0 0 842
Home Depot Inc Com 437076102   2,767,424 8,039 SH   SOLE 0 7,738 0 301
Home Depot Inc Com 437076102   3,007,625 8,737 SH   OTR 0 7,737 150 850
Honda Motor Co Ltd COM 438128308   20,956 650 SH   DFND 1 0 0 650
Honeywell International Inc Com 438516106   4,920,389 23,042 SH   SOLE 0 22,127 0 915
Honeywell International Inc Com 438516106   1,736,080 8,130 SH   OTR 0 7,131 220 779
Honeywell Intl Inc COM 438516106   10,677 50 SH   DFND 1 0 0 50
Hormel Foods Corp COM 440452100   9,360 307 SH   DFND 1 0 0 307
iCAD, Inc. COM 44934S206   393 302 SH   DFND 1 0 0 302
IDEXX Laboratories, Inc. COM 45168D104   5,846 12 SH   DFND 1 0 0 12
Illinois Tool Wks Inc Com 452308109   460,176 1,942 SH   SOLE 0 1,942 0 0
Illinois Tool Wks Inc Com 452308109   240,988 1,017 SH   OTR 0 1,017 0 0
Illinois Tool Works Inc. COM 452308109   14,692 62 SH   DFND 1 0 0 62
Industrial Select Sector SPDR Com 81369Y704   1,141,053 9,363 SH   SOLE 0 9,102 0 261
Industrial Select Sector SPDR Com 81369Y704   63,494 521 SH   OTR 0 435 0 86
Ingersoll Rand Inc Com 45687V106   263,254 2,898 SH   SOLE 0 2,898 0 0
Ingersoll Rand Inc Com 45687V106   5,051,976 55,614 SH   OTR 0 55,614 0 0
Ingevity Corp COM 45688C107   306 7 SH   DFND 1 0 0 7
Innovative Industrial Properties COM 45781V101   2,551 23 SH   DFND 1 0 0 23
Innovator Etfs Tr Com 45782C813   252,059 6,488 SH   OTR 0 6,488 0 0
Intel Corp Com 458140100   2,081,184 67,200 SH   SOLE 0 64,797 903 1,500
Intel Corp Com 458140100   757,247 24,451 SH   OTR 0 22,936 1,015 500
Intercontinental Exchange Inc Com 45866F104   1,156,721 8,450 SH   SOLE 0 8,450 0 0
Intercontinental Exchange Inc Com 45866F104   65,297 477 SH   OTR 0 477 0 0
Intl Business Machines Corp. COM 459200101   553,405 3,199 SH   DFND 1 168 0 3,031
Intl. Business Machines Corp Com 459200101   4,102,423 23,720 SH   SOLE 0 21,624 395 1,701
Intl. Business Machines Corp Com 459200101   3,158,413 18,262 SH   OTR 0 16,714 0 1,548
Intuit Com 461202103   110,411 168 SH   SOLE 0 168 0 0
Intuit Com 461202103   925,352 1,408 SH   OTR 0 1,408 0 0
Intuitive Surgical COM 46120E602   41,371 93 SH   DFND 1 0 0 93
Intuitive Surgical Inc Com 46120E602   60,055 135 SH   SOLE 0 135 0 0
Intuitive Surgical Inc Com 46120E602   646,367 1,453 SH   OTR 0 1,453 0 0
Invesco QQQ Trust COM 46090E103   27,309 57 SH   DFND 1 0 0 57
Invesco S&P 500 Equal Weight E Com 46137V357   316,403 1,926 SH   SOLE 0 1,926 0 0
Invesco S&P 500 Low Volatility E COM 46138E354   67,093 1,033 SH   DFND 1 0 0 1,033
Invesco SP 500 Low Volatility Com 46138E354   226,870 3,493 SH   SOLE 0 3,493 0 0
Invesco Tr II Senior Loan ETF Com 46138G508   176,526 8,390 SH   SOLE 0 8,390 0 0
Invesco Tr II Senior Loan ETF Com 46138G508   92,050 4,375 SH   OTR 0 4,375 0 0
Ionis Pharmaceuticals Inc Com 462222100   812,603 17,050 SH   OTR 0 17,050 0 0
IQVIA Holdings Inc Com 46266C105   175,495 830 SH   SOLE 0 830 0 0
IQVIA Holdings Inc Com 46266C105   981,293 4,641 SH   OTR 0 4,641 0 0
Ishar Tru Esg Awr Usd COM 46435G193   11,633 512 SH   DFND 1 0 0 512
ISHARE ROBOT ARTIF INTELMULTSEC ETF COM 46435U556   12,771 386 SH   DFND 1 386 0 0
iShares 0-5 Year High Yield Corp COM 46434V407   26,375 625 SH   DFND 1 0 0 625
iShares 0-5 Year TIPS Bond ETF COM 46429B747   4,776 48 SH   DFND 1 0 0 48
IShares 0-5 Yr TIPs ETF Com 46429B747   5,710,229 57,395 SH   SOLE 0 57,395 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747   1,858,473 18,680 SH   OTR 0 17,804 265 611
Ishares 10-20 Year Tsury COM 464288653   93,858 919 SH   DFND 1 0 0 919
Ishares 1-3 Year Treasury ETF Com 464287457   5,467,937 66,968 SH   SOLE 0 66,568 0 400
iShares 20 Year Treasury Bond COM 464287432   30,104 328 SH   DFND 1 0 0 328
Ishares 3-7 Year Treasury Bond Com 464288661   1,065,788 9,230 SH   SOLE 0 9,230 0 0
Ishares 5-10 Yr Inv Gr Corp Bd Com 464288638   196,428 3,832 SH   SOLE 0 3,832 0 0
Ishares 5-10 Yr Inv Gr Corp Bd Com 464288638   164,032 3,200 SH   OTR 0 3,200 0 0
Ishares Barclays 7-10 Year Tr Com 464287440   252,387 2,695 SH   SOLE 0 2,695 0 0
Ishares Barclays Mbs Bond ETF Com 464288588   734,021 7,995 SH   SOLE 0 7,995 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   226,587 2,122 SH   SOLE 0 2,122 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   21,356 200 SH   OTR 0 200 0 0
iShares Broad USD High Yield Corporate Bond ETF COM 46435U853   4,257 118 SH   DFND 1 0 0 118
iShares Convertible Bond ETF COM 46435G102   58,909 750 SH   DFND 1 0 0 750
iShares Core Aggressive ETF COM 464289859   51,075 683 SH   DFND 1 0 0 683
Ishares Core Emerging Markets Com 46434G103   2,277,113 42,539 SH   SOLE 0 42,539 0 0
Ishares Core Emerging Markets Com 46434G103   942,556 17,608 SH   OTR 0 16,883 725 0
iShares Core Growth ETF COM 464289867   4,513,935 80,148 SH   DFND 1 0 0 80,148
iShares Core High Dividend ETF Com 46429B663   935,472 8,606 SH   SOLE 0 8,606 0 0
iShares Core High Dividend ETF COM 46429B663   160,697 1,478 SH   DFND 1 0 0 1,478
iShares Core Intl Aggregate Bond COM 46435G672   1,298 26 SH   DFND 1 0 0 26
IShares Core Intnl Agg Bond ET Com 46435G672   531,498 10,647 SH   SOLE 0 10,647 0 0
IShares Core Intnl Agg Bond ET Com 46435G672   61,901 1,240 SH   OTR 0 1,240 0 0
iShares Core Moderate Allocation COM 464289875   3,226 75 SH   DFND 1 0 0 75
Ishares Core Msci Eafe ETF Com 46432F842   7,836,040 107,875 SH   SOLE 0 107,825 0 50
Ishares Core Msci Eafe ETF Com 46432F842   1,123,014 15,460 SH   OTR 0 15,460 0 0
iShares Core MSCI EM ETF COM 46434G103   54,868 1,025 SH   DFND 1 0 0 1,025
iShares Core MSCI Total Int'l St COM 46432F834   4,193,787 62,075 SH   DFND 1 0 0 62,075
iShares Core S&P 500 COM 464287200   2,320,402 4,240 SH   DFND 1 0 0 4,240
Ishares Core S&P 500 ETF Com 464287200   2,179,070 3,982 SH   SOLE 0 3,982 0 0
iShares Core S&P Mid-Cap COM 464287507   49,157 840 SH   DFND 1 0 0 840
Ishares Core S&P Mid-Cap ETF Com 464287507   2,848,578 48,677 SH   SOLE 0 48,677 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507   1,129,143 19,295 SH   OTR 0 18,570 0 725
iShares Core S&P Small-Cap COM 464287804   121,092 1,138 SH   DFND 1 0 0 1,138
Ishares Core S&P Small-Cap ETF Com 464287804   1,346,263 12,622 SH   SOLE 0 12,622 0 0
Ishares Core S&P Small-Cap ETF Com 464287804   42,664 400 SH   OTR 0 400 0 0
Ishares Core S&P US COM 464287671   13,896,467 109,009 SH   DFND 1 0 0 109,009
Ishares Core Total U.S. Aggreg Com 464287226   445,357 4,588 SH   SOLE 0 4,588 0 0
Ishares Core Total U.S. Aggreg Com 464287226   168,805 1,739 SH   OTR 0 516 0 1,223
iShares Core US Aggregate Bond E COM 464287226   5,049,636 52,024 SH   DFND 1 0 0 52,024
Ishares DJ Select Dividend ETF Com 464287168   223,692 1,849 SH   SOLE 0 1,849 0 0
Ishares DJ Select Dividend ETF Com 464287168   18,147 150 SH   OTR 0 150 0 0
iShares DJ US Consumer Goods COM 464287812   12,821 195 SH   DFND 1 0 0 195
Ishares DJ US Telcom Sector ET Com 464287713   387,159 17,825 SH   SOLE 0 17,825 0 0
Ishares DJ US Telcom Sector ET Com 464287713   449,626 20,701 SH   OTR 0 20,501 200 0
iShares DowJones EPAC Select D COM 464288448   69,981 2,527 SH   DFND 1 0 0 2,527
iShares Edge MSCI Min Vol USA COM 46429B697   125,502 1,495 SH   DFND 1 0 0 1,495
iShares Edge MSCI USA Value Fact COM 46432F388   35,679 345 SH   DFND 1 0 0 345
Ishares Esg Advanced COM 46436E759   10,923 162 SH   DFND 1 0 0 162
Ishares Esg Advanced COM 46436E767   10,923 162 SH   DFND 1 0 0 162
iShares ESG Aware MSCI USA ETF Com 46435G425   205,230 1,720 SH   SOLE 0 1,720 0 0
iShares ESG MSCI EM COM 46434G863   28,841 860 SH   DFND 1 0 0 860
iShares ESG MSCI USA COM 46435G425   1,071,374 8,979 SH   DFND 1 0 0 8,979
iShares ESG U.S. Aggregate Bond COM 46435U549   6,106 131 SH   DFND 1 0 0 131
Ishares Fallen Angels COM 46435G474   110,153 4,217 SH   DFND 1 0 0 4,217
iShares Global Energy COM 464287341   1,909 46 SH   DFND 1 0 0 46
iShares Global Financials ETF COM 464287333   25,904 304 SH   DFND 1 0 0 304
iShares Global Tech COM 464287291   72,889 880 SH   DFND 1 0 0 880
iShares GSCI Commodity Dynamic R COM 46431W853   29,768 1,090 SH   DFND 1 0 0 1,090
Ishares Iboxx High Yield COM 464288513   1,234,223 16,002 SH   DFND 1 0 0 16,002
Ishares IBoxx High Yield Corpo Com 464288513   2,828,415 36,666 SH   SOLE 0 36,666 0 0
Ishares IBoxx High Yield Corpo Com 464288513   206,967 2,683 SH   OTR 0 2,683 0 0
iShares iBoxx InvGrade Corp Bd COM 464287242   237,378 2,216 SH   DFND 1 0 0 2,216
iShares International Treasury B COM 464288117   39 1 SH   DFND 1 0 0 1
iShares J.P. Morgan USD Emerging COM 464288281   21,766 246 SH   DFND 1 0 0 246
iShares KLD 400 Social Index COM 464288570   417,892 4,024 SH   DFND 1 0 0 4,024
Ishares Mbs Etf IV COM 464288588   157,271 1,713 SH   DFND 1 0 0 1,713
Ishares Morgstar Mid Cap COM 464288307   111,923 1,652 SH   DFND 1 0 0 1,652
ISHARES MORNINGSTAR GROWTH ETF COM 464287119   23,292 286 SH   DFND 1 286 0 0
Ishares Msci Eafe ETF Com 464287465   4,388,814 56,030 SH   SOLE 0 53,089 0 2,941
Ishares Msci Eafe ETF Com 464287465   1,688,873 21,561 SH   OTR 0 21,286 200 75
iShares MSCI EAFE Growth COM 464288885   406,102 3,971 SH   DFND 1 0 0 3,971
Ishares MSCI EAFE Growth ETF Com 464288885   21,224,314 207,471 SH   SOLE 0 205,513 0 1,958
Ishares MSCI EAFE Growth ETF Com 464288885   3,914,172 38,262 SH   OTR 0 38,182 0 80
Ishares Msci Eafe Small Cap ET Com 464288273   2,661,492 43,178 SH   SOLE 0 43,168 0 10
Ishares Msci Eafe Small Cap ET Com 464288273   438,569 7,115 SH   OTR 0 7,115 0 0
iShares MSCI EAFE Small-Cap COM 464288273   3,637 59 SH   DFND 1 0 0 59
Ishares Msci Eafe Value COM 464288877   534,695 10,060 SH   DFND 1 0 0 10,060
iShares MSCI Emerg Mkt Min Vol Com 464286533   1,005,008 17,567 SH   SOLE 0 17,567 0 0
iShares MSCI Emerg Mkt Min Vol Com 464286533   163,621 2,860 SH   OTR 0 2,860 0 0
Ishares Msci Emerging COM 46434G764   2,842 48 SH   DFND 1 0 0 48
Ishares MSCI Emerging Markets Com 46434G764   901,379 15,226 SH   SOLE 0 15,226 0 0
Ishares MSCI Emerging Markets Com 46434G764   34,928 590 SH   OTR 0 590 0 0
Ishares Msci Emerging Mkt ETF Com 464287234   3,003,512 70,522 SH   SOLE 0 68,773 525 1,224
Ishares Msci Emerging Mkt ETF Com 464287234   942,466 22,129 SH   OTR 0 21,193 561 375
iShares MSCI USA ESG Select ET Com 464288802   486,337 4,328 SH   SOLE 0 4,328 0 0
Ishares Msci Usa Momntum COM 46432F396   38,779 199 SH   DFND 1 0 0 199
Ishares Msci Usa Qlty COM 46432F339   107,067 627 SH   DFND 1 0 0 627
Ishares Nasdaq Biotech ETF Com 464287556   2,509,104 18,280 SH   SOLE 0 17,487 96 697
Ishares Nasdaq Biotech ETF Com 464287556   1,515,899 11,044 SH   OTR 0 9,263 240 1,541
iShares Nasdaq Biotechnology COM 464287556   20,589 150 SH   DFND 1 0 0 150
Ishares New York Muni Bond ETF Com 464288323   3,866,504 72,420 SH   SOLE 0 68,680 0 3,740
Ishares New York Muni Bond ETF Com 464288323   1,396,095 26,149 SH   OTR 0 22,774 0 3,375
iShares Russell 1000 COM 464287622   595 2 SH   DFND 1 0 0 2
IShares Russell 1000 ETF Com 464287622   278,200 935 SH   SOLE 0 935 0 0
iShares Russell 1000 Growth COM 464287614   49,938 137 SH   DFND 1 0 0 137
Ishares Russell 1000 Growth ET Com 464287614   353,575 970 SH   SOLE 0 970 0 0
iShares Russell 2000 COM 464287655   148,718 733 SH   DFND 1 0 0 733
Ishares Russell 2000 ETF Com 464287655   6,059,023 29,864 SH   SOLE 0 28,179 0 1,685
Ishares Russell 2000 ETF Com 464287655   963,829 4,751 SH   OTR 0 4,617 100 34
Ishares Russell 2000 Growth ET Com 464287648   612,482 2,333 SH   SOLE 0 2,333 0 0
Ishares Russell 2000 Growth ET Com 464287648   536,611 2,044 SH   OTR 0 2,004 40 0
Ishares Russell 2000 Value ETF Com 464287630   464,058 3,047 SH   SOLE 0 3,047 0 0
Ishares Russell 2000 Value ETF Com 464287630   14,469 95 SH   OTR 0 0 95 0
Ishares Russell Mid Cap ETF Com 464287499   852,637 10,516 SH   SOLE 0 10,516 0 0
Ishares Russell Mid Cap ETF Com 464287499   25,946 320 SH   OTR 0 320 0 0
Ishares Russell Midcap Growth Com 464287481   678,321 6,147 SH   OTR 0 6,147 0 0
Ishares Russell MidCap Value Com 464287473   260,557 2,158 SH   SOLE 0 2,158 0 0
IShares Russell Top 200 Growth Com 464289438   328,216 1,530 SH   SOLE 0 1,530 0 0
Ishares S&P 100 Etf COM 464287101   30,467 115 SH   DFND 1 0 0 115
Ishares S&P 500 Growth COM 464287309   17,768 192 SH   DFND 1 0 0 192
Ishares S&P 500 Growth ETF Com 464287309   802,229 8,669 SH   SOLE 0 8,669 0 0
Ishares S&P 500 Value COM 464287408   11,467 63 SH   DFND 1 0 0 63
Ishares S&P 500 Value ETF Com 464287408   901,132 4,951 SH   SOLE 0 4,951 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606   335,347 3,806 SH   SOLE 0 3,806 0 0
Ishares S&P Pref Stk ETF Com 464288687   2,004,971 63,549 SH   SOLE 0 63,549 0 0
Ishares S&P Pref Stk ETF Com 464288687   284,549 9,019 SH   OTR 0 5,839 0 3,180
Ishares S&P Small Cap 600 Value COM 464287879   68,089 700 SH   DFND 1 0 0 700
Ishares S&P Smallcap/600 Growt Com 464287887   300,398 2,339 SH   SOLE 0 2,339 0 0
Ishares S&P Smallcap/600 Growt Com 464287887   115,972 903 SH   OTR 0 903 0 0
Ishares S&P Smll Cap 600 COM 464287887   4,053,379 31,561 SH   DFND 1 0 0 31,561
iShares Short-Term Corporate Bon COM 464288646   27,796 543 SH   DFND 1 0 0 543
iShares Silver Trust COM 46428Q109   4,118 155 SH   DFND 1 0 0 155
iShares TIPS Bond ETF COM 464287176   4,417,072 41,371 SH   DFND 1 0 0 41,371
Ishares Total Usd Bond COM 46434V613   1,310,967 29,038 SH   DFND 1 0 0 29,038
Ishares Tr 10 Yr Invst Grd Com 464289511   472,127 9,435 SH   SOLE 0 9,435 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   10,049,957 196,135 SH   SOLE 0 196,135 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   4,083,777 79,699 SH   OTR 0 71,633 0 8,066
iShares Tr Intrm Gov Cr ETF Com 464288612   1,166,444 11,245 SH   SOLE 0 11,245 0 0
Ishares Tr Rus 1000 Val ETF Com 464287598   239,896 1,375 SH   SOLE 0 1,375 0 0
Ishares Treasury COM 46434V860   42,149 832 SH   DFND 1 0 0 832
iShares U.S. Infrastructure ETF COM 46435U713   65,664 1,563 SH   DFND 1 0 0 1,563
iShares U.S. Medical Devices COM 464288810   17,821 318 SH   DFND 1 0 0 318
iShares U.S. Treasury Bond COM 46429B267   434,653 19,324 SH   DFND 1 0 0 19,324
iShares US Energy ETF COM 464287796   57,010 1,188 SH   DFND 1 0 0 1,188
Ishares US Technology COM 464287721   102,942 684 SH   DFND 1 0 0 684
Ishrs 0-5 Year Inv Grd COM 46434V100   56,391 1,145 SH   DFND 1 0 0 1,145
Ishs Msci Emerg Mrkt Min COM 464286533   167,063 2,918 SH   DFND 1 0 0 2,918
Jack Henry & Assoc Inc Com 426281101   332,040 2,000 SH   SOLE 0 2,000 0 0
Jacobs Solutions Inc Com 46982L108   184,697 1,322 SH   SOLE 0 1,322 0 0
Jacobs Solutions Inc Com 46982L108   421,226 3,015 SH   OTR 0 1,115 0 1,900
JetBlue Airways Corporation COM 477143101   1,218 200 SH   DFND 1 0 0 200
Johnson & Johnson Com 478160104   11,759,157 80,454 SH   SOLE 0 75,347 0 5,107
Johnson & Johnson Com 478160104   6,245,124 42,728 SH   OTR 0 39,185 250 3,293
Johnson & Johnson COM 478160104   427,496 2,924 SH   DFND 1 156 0 2,768
JP Morgan Chase & CO Com 46625H100   16,900,144 83,557 SH   SOLE 0 81,625 112 1,820
JP Morgan Chase & CO Com 46625H100   12,287,902 60,753 SH   OTR 0 55,900 544 4,309
JPMorgan Chase & Co. COM 46625H100   411,592 2,019 SH   DFND 1 1,110 0 909
JPMorgan Equity Premium Income E COM 46641Q332   39,223 692 SH   DFND 1 0 0 692
JPMorgan Municipal ETF Com 46641Q647   1,399,166 27,775 SH   SOLE 0 27,775 0 0
JPMorgan Municipal ETF Com 46641Q647   380,079 7,545 SH   OTR 0 7,545 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   136,572 2,706 SH   SOLE 0 2,706 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   263,151 5,214 SH   OTR 0 5,214 0 0
Kellogg Co COM 487836108   10,613 184 SH   DFND 1 0 0 184
KeyCorp COM 493267108   28,315 1,993 SH   DFND 1 0 0 1,993
Kimberly Clark Corp Com 494368103   718,364 5,198 SH   SOLE 0 5,198 0 0
Kimberly Clark Corp Com 494368103   96,740 700 SH   OTR 0 700 0 0
Kimberly-Clark Corporation COM 494368103   14,511 105 SH   DFND 1 0 0 105
Kkr & Co Inc COM 48251W104   90,506 860 SH   DFND 1 0 0 860
Kraft Heinz CO Com 500754106   182,720 5,671 SH   SOLE 0 5,671 0 0
Kraft Heinz CO Com 500754106   228,150 7,081 SH   OTR 0 7,081 0 0
Kraft Heinz Company COM 500754106   1,063 33 SH   DFND 1 0 0 33
KraneShares CSI China Internet E COM 500767306   2,702 100 SH   DFND 1 0 0 100
Kyndryl Hldgs Inc COM 50155Q100   14,418 548 SH   DFND 1 0 0 548
L3 Harris Technologies Inc Com 502431109   1,583,289 7,050 SH   SOLE 0 7,050 0 0
L3 Harris Technologies Inc Com 502431109   39,302 175 SH   OTR 0 175 0 0
Ladrx Corp COM 232828707   3 1 SH   DFND 1 0 0 1
Lam Research Corporation COM 512807108   166,117 156 SH   DFND 1 0 0 156
Lexington Realty C PFD Series C COM 529043309   4,537 100 SH   DFND 1 0 0 100
Lilly Eli & CO Com 532457108   3,266,611 3,608 SH   SOLE 0 3,065 0 543
Lilly Eli & CO Com 532457108   6,405,564 7,075 SH   OTR 0 5,890 25 1,160
LILLY ELI & CO COM 532457108   117,290 129 SH   DFND 1 129 0 0
Lincoln National Corp. COM 534187208   29,856 960 SH   DFND 1 0 0 960
Linde PLC Com G54950103   2,573,182 5,864 SH   SOLE 0 5,864 0 0
Linde PLC Com G54950103   1,548,560 3,529 SH   OTR 0 2,604 0 925
Lithium Amers Argentin COM 53681K100   320 100 SH   DFND 1 0 0 100
Lithium Amers Corp COM 53680Q207   268 100 SH   DFND 1 0 0 100
Lockheed Martin Corp Com 539830109   3,542,531 7,584 SH   SOLE 0 7,032 0 552
Lockheed Martin Corp Com 539830109   1,093,481 2,341 SH   OTR 0 2,341 0 0
LOCKHEED MARTIN CORP COM 539830109   178,103 381 SH   DFND 1 300 0 81
Lowes Companies Inc COM 548661107   158,678 732 SH   DFND 1 508 0 224
Lowes Cos Inc Com 548661107   15,285,374 69,334 SH   SOLE 0 68,784 25 525
Lowes Cos Inc Com 548661107   7,315,524 33,183 SH   OTR 0 32,244 215 724
Lumen Technologies, Inc. COM 550241103   43 39 SH   DFND 1 0 0 39
Lvmh Moet Hennessy Lou COM 502441306   3,834 25 SH   DFND 1 0 0 25
Lyft Inc COM 55087P104   3,525 250 SH   DFND 1 0 0 250
M&T Bank Corp. COM 55261F104   25,277 167 SH   DFND 1 0 0 167
Markel Group INC COM Com 570535104   141,809 90 SH   SOLE 0 90 0 0
Markel Group INC COM Com 570535104   337,191 214 SH   OTR 0 214 0 0
Marriott International Inc Com 571903202   611,195 2,528 SH   SOLE 0 2,528 0 0
Marriott International Inc Com 571903202   18,133 75 SH   OTR 0 75 0 0
Marsh & Mc Lennan Co COM 571748102   10,536 50 SH   DFND 1 0 0 50
Marsh & McLennan Companies Inc Com 571748102   3,002,128 14,247 SH   SOLE 0 14,192 0 55
Marsh & McLennan Companies Inc Com 571748102   3,530,403 16,754 SH   OTR 0 16,362 0 392
Martin Marietta Matls Inc Com 573284106   92,106 170 SH   SOLE 0 170 0 0
Martin Marietta Matls Inc Com 573284106   138,159 255 SH   OTR 0 255 0 0
Masco Corp Com 574599106   372,685 5,590 SH   SOLE 0 5,590 0 0
Masco Corp Com 574599106   9,200 138 SH   OTR 0 138 0 0
Mastercard Inc Cl A Com 57636Q104   1,219,807 2,765 SH   SOLE 0 2,765 0 0
Mastercard Inc Cl A Com 57636Q104   1,857,284 4,210 SH   OTR 0 4,168 0 42
Mastercard Incorporated COM 57636Q104   2,206 5 SH   DFND 1 0 0 5
Materials Select SPDR Fund Com 81369Y100   2,933,513 33,218 SH   SOLE 0 31,186 0 2,032
Materials Select SPDR Fund Com 81369Y100   714,251 8,088 SH   OTR 0 7,483 290 315
Mc Donalds Corp COM 580135101   21,916 86 SH   DFND 1 0 0 86
McCormick & CO Inc Com 579780206   194,801 2,746 SH   SOLE 0 2,746 0 0
McCormick & CO Inc Com 579780206   229,065 3,229 SH   OTR 0 3,229 0 0
McDonalds Corp Com 580135101   12,475,437 48,954 SH   SOLE 0 48,641 58 255
McDonalds Corp Com 580135101   5,668,406 22,243 SH   OTR 0 21,221 238 784
McKesson Corp Com 58155Q103   393,059 673 SH   SOLE 0 673 0 0
Medclean Tech Inc Xxx COM 58405Y302   0 1 SH   DFND 1 0 0 1
Medtronic Inc. COM G5960L103   29,595 376 SH   DFND 1 0 0 376
Medtronic PLC Com G5960L103   1,610,407 20,460 SH   SOLE 0 20,460 0 0
Medtronic PLC Com G5960L103   714,372 9,076 SH   OTR 0 8,505 71 500
Mercadolibre, Inc. COM 58733R102   32,904 20 SH   DFND 1 0 0 20
Merck & CO Inc Com 58933Y105   7,057,095 57,004 SH   SOLE 0 55,461 543 1,000
Merck & CO Inc Com 58933Y105   5,687,001 45,937 SH   OTR 0 44,606 281 1,050
Merck & Co. Inc. COM 58933Y105   115,258 926 SH   DFND 1 136 0 790
Meta Platforms Inc Com 30303M102   2,322,437 4,606 SH   SOLE 0 4,606 0 0
Meta Platforms Inc Com 30303M102   1,714,852 3,401 SH   OTR 0 3,376 25 0
Meta Platforms, Inc. COM 30303M102   48,405 96 SH   DFND 1 0 0 96
Metlife Inc Com 59156R108   463,465 6,603 SH   SOLE 0 6,603 0 0
Metlife Inc Com 59156R108   113,076 1,611 SH   OTR 0 1,300 111 200
MetLife, Inc. COM 59156R108   23,233 331 SH   DFND 1 0 0 331
MGE ENERGY INC COM 55277P104   136,858 1,856 SH   DFND 1 1,856 0 0
Microchip Technology Inc Com 595017104   2,946,849 32,206 SH   SOLE 0 32,206 0 0
Microchip Technology Inc Com 595017104   694,760 7,593 SH   OTR 0 6,563 280 750
Microsoft Corp Com 594918104   44,982,836 100,644 SH   SOLE 0 97,301 90 3,253
Microsoft Corp Com 594918104   53,001,566 118,585 SH   OTR 0 116,310 672 1,603
Microsoft Corporation COM 594918104   528,424 1,177 SH   DFND 1 406 0 771
Midcap SPDR Trust Series 1 Com 78467Y107   8,656,834 16,179 SH   SOLE 0 15,187 0 992
Midcap SPDR Trust Series 1 Com 78467Y107   1,073,210 2,006 SH   OTR 0 1,924 50 32
Moelis & Company COM 60786M105   3,250 57 SH   DFND 1 0 0 57
Mondelez International Inc Com 609207105   2,389,224 36,510 SH   SOLE 0 35,293 0 1,217
Mondelez International Inc Com 609207105   2,824,390 43,160 SH   OTR 0 42,400 0 760
Mondelez International, Inc. COM 609207105   6,544 100 SH   DFND 1 0 0 100
Monster Beverage Corp New Com 61174X109   94,156 1,885 SH   SOLE 0 1,885 0 0
Monster Beverage Corp New Com 61174X109   178,072 3,565 SH   OTR 0 3,565 0 0
Moodys Corp Com 615369105   121,649 289 SH   SOLE 0 289 0 0
Moodys Corp Com 615369105   212,570 505 SH   OTR 0 505 0 0
Moody's Corporation COM 615369105   3,367 8 SH   DFND 1 0 0 8
Morgan Stanley Com 617446448   1,482,828 15,257 SH   SOLE 0 15,257 0 0
Morgan Stanley Com 617446448   7,775 80 SH   OTR 0 80 0 0
Morgan Stanley COM 617446448   9,719 100 SH   DFND 1 0 0 100
Motley Fool 100 Index ETF COM 74933W601   26,910 500 SH   DFND 1 0 0 500
NBT Bancorp Inc Com 628778102   8,338,477 216,023 SH   SOLE 0 3,215 0 212,808
NBT Bancorp Inc Com 628778102   2,119,761 54,916 SH   OTR 0 9,394 0 45,522
NBT Bancorp Inc. COM 628778102   613,197 15,890 SH   DFND 1 0 0 15,890
Netflix Inc Com 64110L106   819,979 1,215 SH   SOLE 0 1,215 0 0
Netflix Inc Com 64110L106   920,536 1,364 SH   OTR 0 1,364 0 0
Netflix, Inc. COM 64110L106   89,759 133 SH   DFND 1 0 0 133
New York Cmnty Banco COM 649445103   4,508 1,400 SH   DFND 1 0 0 1,400
Newmont Mining Corp. COM 651639106   4,396 105 SH   DFND 1 0 0 105
NEXE Innovations Inc. COM 65344W107   597 3,000 SH   DFND 1 0 0 3,000
Nextdoor Hldgs Inc COM 65345M108   1,390 500 SH   DFND 1 0 0 500
Nextera Energy Inc Com 65339F101   4,098,129 57,875 SH   SOLE 0 56,075 0 1,800
Nextera Energy Inc Com 65339F101   2,725,689 38,493 SH   OTR 0 28,798 84 9,611
Nextera Energy Inc COM 65339F101   76,970 1,087 SH   DFND 1 0 0 1,087
Nike Inc-Class B Com 654106103   2,196,734 29,146 SH   SOLE 0 28,901 0 245
Nike Inc-Class B Com 654106103   1,396,455 18,528 SH   OTR 0 18,528 0 0
Norfolk Southern Corp Com 655844108   838,150 3,904 SH   SOLE 0 3,904 0 0
Norfolk Southern Corp Com 655844108   648,149 3,019 SH   OTR 0 2,719 0 300
Northrop Grumman Corporation Com 666807102   320,423 735 SH   OTR 0 735 0 0
Northrop Grumman Corporation COM 666807102   44,199 101 SH   DFND 1 0 0 101
Novartis AG COM 66987V109   6,068 57 SH   DFND 1 0 0 57
Novartis Ag Spons ADR Com 66987V109   2,193,289 20,602 SH   SOLE 0 20,302 0 300
Novartis Ag Spons ADR Com 66987V109   1,329,792 12,491 SH   OTR 0 12,391 100 0
Novo Nordisk As Spons ADR Com 670100205   2,869,074 20,100 SH   SOLE 0 20,100 0 0
Novo Nordisk As Spons ADR Com 670100205   185,562 1,300 SH   OTR 0 1,200 0 100
Nucor Corp Com 670346105   869,440 5,500 SH   SOLE 0 5,500 0 0
Nucor Corp Com 670346105   114,608 725 SH   OTR 0 725 0 0
Nucor Corporation COM 670346105   15,808 100 SH   DFND 1 0 0 100
Nvidia Corp Com 67066G104   6,920,160 56,016 SH   SOLE 0 52,150 0 3,866
Nvidia Corp Com 67066G104   2,048,293 16,580 SH   OTR 0 15,550 280 750
NVIDIA Corporation COM 67066G104   143,430 1,161 SH   DFND 1 0 0 1,161
Oracle Corp. COM 68389X105   226,626 1,605 SH   DFND 1 0 0 1,605
Oracle Corporation Com 68389X105   4,925,762 34,885 SH   SOLE 0 33,385 0 1,500
Oracle Corporation Com 68389X105   2,567,298 18,182 SH   OTR 0 15,573 109 2,500
O'Reilly Automotive Inc Com 67103H107   573,441 543 SH   SOLE 0 543 0 0
Organon & Co. Common Stock COM 68622V106   1,192 58 SH   DFND 1 0 0 58
O'Shares FTSE U.S. Quality Divid COM 67110P407   61,628 1,242 SH   DFND 1 0 0 1,242
O'Shares Global Internet COM 67110P704   18,000 457 SH   DFND 1 0 0 457
Otis Worldwide Corp Com 68902V107   1,226,497 12,742 SH   SOLE 0 12,285 50 407
Otis Worldwide Corp Com 68902V107   764,834 7,946 SH   OTR 0 7,313 533 100
Ouster Inc COM 68989M103   492 50 SH   DFND 1 0 0 50
Paccar Inc Com 693718108   1,010,047 9,812 SH   SOLE 0 9,812 0 0
Pacer US Small Cap Cash Cows 1 Com 69374H857   222,648 5,111 SH   OTR 0 5,111 0 0
Palatin Technologies Inc. COM 696077403   156 80 SH   DFND 1 0 0 80
Palo Alto Networks Com 697435105   2,212,379 6,526 SH   SOLE 0 6,506 0 20
Palo Alto Networks Com 697435105   833,626 2,459 SH   OTR 0 2,076 20 363
Paychex Inc Com 704326107   1,930,631 16,284 SH   SOLE 0 16,284 0 0
Paychex Inc Com 704326107   81,806 690 SH   OTR 0 490 200 0
Paypal Holdings Inc Com 70450Y103   530,394 9,140 SH   SOLE 0 9,140 0 0
Paypal Holdings Inc Com 70450Y103   112,346 1,936 SH   OTR 0 86 0 1,850
PayPal Holdings, Inc. COM 70450Y103   3,772 65 SH   DFND 1 0 0 65
Pepsico Inc Com 713448108   9,101,497 55,184 SH   SOLE 0 54,491 0 693
Pepsico Inc Com 713448108   5,383,975 32,644 SH   OTR 0 31,192 294 1,158
Pepsico, Inc. COM 713448108   201,380 1,221 SH   DFND 1 0 0 1,221
Petrochina Co 'H'CNY1 Com 011014674   17,197 17,000 SH   SOLE 0 17,000 0 0
Petroleo Brasileiro COM 71654V408   3,767 260 SH   DFND 1 0 0 260
Pfizer Inc Com 717081103   4,154,948 148,497 SH   SOLE 0 142,507 0 5,990
Pfizer Inc Com 717081103   1,946,541 69,569 SH   OTR 0 67,075 994 1,500
Pfizer Inc. COM 717081103   345,064 12,315 SH   DFND 1 1,118 0 11,197
Philip Morris International Com 718172109   947,030 9,346 SH   SOLE 0 8,671 0 675
Philip Morris International Com 718172109   2,395,036 23,636 SH   OTR 0 23,636 0 0
Philip Morris Intl, Inc. COM 718172109   12,160 120 SH   DFND 1 0 0 120
Phillips 66 Com 718546104   319,185 2,261 SH   SOLE 0 2,231 0 30
Phillips 66 Com 718546104   7,059 50 SH   OTR 0 50 0 0
Phillips 66 COM 718546104   131,393 937 SH   DFND 1 796 0 141
Piedmont Office Realty Tr Inc. COM 720190206   9,019 1,244 SH   DFND 1 0 0 1,244
Pimco Dynamic Income Cf COM 72201Y101   9,160 487 SH   DFND 1 0 0 487
PIMCO MUNICIPAL INCOME C COM 72200R107   20,196 2,200 SH   DFND 1 2,200 0 0
PLUG POWER INC COM 72919P103   118 50 SH   DFND 1 50 0 0
PORTILLOS INC COM 73642K106   9,585 1,000 SH   DFND 1 1,000 0 0
PPL Corporation COM 709051106   32,516 1,176 SH   DFND 1 0 0 1,176
Predictive Technology Group, Inc COM 74039H102   0 5 SH   DFND 1 0 0 5
Principal Financial Group Com 74251V102   627,600 8,000 SH   SOLE 0 8,000 0 0
Procter & Gamble CO Com 742718109   14,466,782 87,720 SH   SOLE 0 82,978 215 4,527
Procter & Gamble CO Com 742718109   8,130,886 49,302 SH   OTR 0 44,847 380 4,075
ProShares S&P 500 Div Aristocrat COM 74348A467   195,803 2,037 SH   DFND 1 0 0 2,037
Prudential Financial, Inc. COM 744320102   68,425 584 SH   DFND 1 0 0 584
Prudential Finl Inc Com 744320102   1,587,807 13,549 SH   SOLE 0 13,549 0 0
Prudential Finl Inc Com 744320102   1,458,664 12,447 SH   OTR 0 12,097 150 200
Public Service Enterprise Grou Com 744573106   74,584 1,012 SH   SOLE 0 1,012 0 0
Public Service Enterprise Grou Com 744573106   187,935 2,550 SH   OTR 0 2,550 0 0
Public Srvc Enterprise Grp Inc COM 744573106   70,310 954 SH   DFND 1 0 0 954
Qualcomm Inc Com 747525103   4,659,816 23,395 SH   SOLE 0 22,970 0 425
Qualcomm Inc Com 747525103   2,381,994 11,959 SH   OTR 0 11,234 225 500
Quanta Services Inc COM 74762E102   25,409 100 SH   DFND 1 0 0 100
Quanta Services Incorporated Com 74762E102   1,567,227 6,168 SH   OTR 0 3,068 0 3,100
Raytheon Technologies Co COM 75513E101   175,390 1,751 SH   DFND 1 688 0 1,063
Rbc Bearings Inc Com 75524B104   192,893 715 SH   SOLE 0 715 0 0
Rbc Bearings Inc Com 75524B104   811,768 3,009 SH   OTR 0 2,826 0 183
Real Estate Select Sect SPDR Com 81369Y860   1,086,811 28,295 SH   SOLE 0 26,177 105 2,013
Real Estate Select Sect SPDR Com 81369Y860   1,338,781 34,855 SH   OTR 0 34,704 26 125
Restaurant Brands COM 76131D103   5,348 76 SH   DFND 1 0 0 76
Rivian Automotive, Inc. COM 76954A103   5,368 400 SH   DFND 1 0 0 400
ROCKWELL AUTOMATION COM 773903109   4,832 18 SH   DFND 1 18 0 0
Roper Technologies Inc Com 776696106   93,004 165 SH   SOLE 0 165 0 0
Roper Technologies Inc Com 776696106   927,221 1,645 SH   OTR 0 1,645 0 0
RTX Corporation Com 75513E101   5,120,894 51,010 SH   SOLE 0 49,920 100 990
RTX Corporation Com 75513E101   3,976,046 39,606 SH   OTR 0 37,042 1,186 1,378
Rxo Inc COM 74982T103   3,373 129 SH   DFND 1 0 0 129
S E I Investments Co COM 784117103   195,773 3,026 SH   DFND 1 0 0 3,026
S&P Global Inc Com 78409V104   7,359,000 16,500 SH   SOLE 0 16,500 0 0
S&P Global Inc Com 78409V104   1,477,598 3,313 SH   OTR 0 1,813 0 1,500
Salesforce Inc Com 79466L302   2,188,200 8,511 SH   SOLE 0 8,448 0 63
Salesforce Inc Com 79466L302   1,551,599 6,035 SH   OTR 0 5,926 34 75
salesforce.com, inc. COM 79466L302   6,428 25 SH   DFND 1 0 0 25
Sandoz Group Ag COM 799926100   398 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   5,473 275 SH   DFND 1 0 0 275
Schlumberger Ltd Com 806857108   1,209,884 25,644 SH   SOLE 0 24,829 0 815
Schlumberger Ltd Com 806857108   709,304 15,034 SH   OTR 0 14,748 286 0
Schwab Emerging Markets COM 808524706   53 2 SH   DFND 1 0 0 2
Schwab Fundamental Intl COM 808524748   35 1 SH   DFND 1 0 0 1
Schwab Fundamental Intl Lg Co Com 808524755   280,765 8,015 SH   SOLE 0 8,015 0 0
Schwab Inter Term US Treasury COM 808524854   105,441 2,162 SH   DFND 1 0 0 2,162
Schwab International COM 808524805   364,804 9,492 SH   DFND 1 0 0 9,492
Schwab International Equity ET Com 808524805   3,058,424 79,605 SH   SOLE 0 79,605 0 0
Schwab International Equity ET Com 808524805   868,446 22,604 SH   OTR 0 21,939 0 665
Schwab Short-Term US Treasury COM 808524862   82,687 1,718 SH   DFND 1 0 0 1,718
Schwab U.S. Large-Cap COM 808524201   547,153 8,516 SH   DFND 1 0 0 8,516
Schwab U.S. Large-Cap Growth COM 808524300   789,025 7,821 SH   DFND 1 0 0 7,821
Schwab U.S. Mid-Cap COM 808524508   355,777 4,574 SH   DFND 1 0 0 4,574
Schwab U.S. Small-Cap COM 808524607   590,032 12,445 SH   DFND 1 0 0 12,445
Schwab US Aggregate Bd ETF Com 808524839   1,153,675 25,311 SH   SOLE 0 25,311 0 0
Schwab US Aggregate Bd ETF Com 808524839   643,407 14,116 SH   OTR 0 14,116 0 0
Schwab US Aggregate Bond COM 808524839   63,311 1,389 SH   DFND 1 0 0 1,389
Schwab US Broad Market COM 808524102   2,671 42 SH   DFND 1 0 0 42
Schwab US Dividend COM 808524797   5,254 68 SH   DFND 1 0 0 68
Schwab US Dividend Equity ETF Com 808524797   6,802,989 87,487 SH   SOLE 0 86,879 0 608
Schwab US Dividend Equity ETF Com 808524797   1,033,508 13,291 SH   OTR 0 13,291 0 0
Schwab US Mid-Cap ETF Com 808524508   301,513 3,874 SH   SOLE 0 3,874 0 0
Schwab US Small Cap ETF Com 808524607   2,359,831 49,733 SH   SOLE 0 49,733 0 0
Schwab US Small Cap ETF Com 808524607   408,592 8,611 SH   OTR 0 8,611 0 0
Sempra COM 816851109   7,606 100 SH   DFND 1 0 0 100
Servicenow Inc Com 81762P102   298,148 379 SH   SOLE 0 369 0 10
Servicenow Inc Com 81762P102   130,587 166 SH   OTR 0 140 0 26
Shell Plc COM 780259305   7,218 100 SH   DFND 1 0 0 100
Shell PLC Spon ADS Com 780259305   122,706 1,700 SH   SOLE 0 1,700 0 0
Shell PLC Spon ADS Com 780259305   559,395 7,750 SH   OTR 0 3,150 0 4,600
Sherwin Williams CO Com 824348106   681,017 2,282 SH   SOLE 0 2,267 0 15
Sherwin Williams CO Com 824348106   2,044,544 6,851 SH   OTR 0 6,731 0 120
Shopify Inc. COM 82509L107   2,642 40 SH   DFND 1 0 0 40
Snap Inc. COM 83304A106   1,661 100 SH   DFND 1 0 0 100
Solventum Corp COM 83444M101   1,322 25 SH   DFND 1 0 0 25
Soundhound Ai Inc COM 836100107   790 200 SH   DFND 1 0 0 200
Southern Company Com 842587107   1,366,085 17,611 SH   SOLE 0 17,611 0 0
Southern Company Com 842587107   539,810 6,959 SH   OTR 0 6,959 0 0
Southern Company COM 842587107   100,841 1,300 SH   DFND 1 0 0 1,300
Southwest Airlines Co. COM 844741108   1,431 50 SH   DFND 1 0 0 50
SPDR Bloomberg Barclays High Yie COM 78464A417   6,787 72 SH   DFND 1 0 0 72
SPDR Dow Jones Global Real Estat COM 78463X749   83 2 SH   DFND 1 0 0 2
SPDR Dow Jones Industrial Aver Com 78467X109   1,258,265 3,217 SH   SOLE 0 3,217 0 0
SPDR Dow Jones Industrial Aver Com 78467X109   320,727 820 SH   OTR 0 740 0 80
SPDR Dow Jones Industrial Averag COM 78467X109   39,173 100 SH   DFND 1 0 0 100
SPDR Gold Shares COM 78463V107   1,162,694 5,408 SH   DFND 1 220 0 5,188
SPDR Gold Trust Com 78463V107   308,109 1,433 SH   SOLE 0 1,366 0 67
SPDR Gold Trust Com 78463V107   516,239 2,401 SH   OTR 0 2,401 0 0
SPDR Portfolio Developed Wld e Com 78463X889   2,289,496 65,265 SH   SOLE 0 65,265 0 0
SPDR Portfolio Developed Wld e Com 78463X889   670,975 19,127 SH   OTR 0 19,127 0 0
SPDR Portfolio Developed World e COM 78463X889   26,836 765 SH   DFND 1 0 0 765
SPDR Portfolio Emerging Market Com 78463X509   407,778 10,825 SH   SOLE 0 10,825 0 0
SPDR Portfolio Emerging Market Com 78463X509   33,150 880 SH   OTR 0 880 0 0
SPDR Portfolio Emerging Markets COM 78463X509   12,544 333 SH   DFND 1 0 0 333
SPDR Portfolio Intermediate Te Com 78464A375   646,674 19,861 SH   SOLE 0 19,861 0 0
Spdr Portfolio S&P 500 COM 78464A854   43,392 678 SH   DFND 1 0 0 678
SPDR Portfolio S&P 500 Growth ET COM 78464A409   14,103 176 SH   DFND 1 0 0 176
SPDR Portfolio S&P 500 Value ETF COM 78464A508   51,859 1,064 SH   DFND 1 0 0 1,064
SPDR Portfolio Short Term Corp Com 78464A474   1,185,624 39,920 SH   SOLE 0 39,920 0 0
SPDR Preferred Stock ETF Com 78464A292   496,735 14,640 SH   SOLE 0 14,640 0 0
SPDR S&P 500 ETF Trust Com 78462F103   7,398,787 13,595 SH   SOLE 0 13,017 0 578
SPDR S&P 500 ETF Trust Com 78462F103   1,371,979 2,521 SH   OTR 0 2,406 0 115
SPDR S&P Dividend ETF Com 78464A763   10,643,313 83,687 SH   SOLE 0 83,687 0 0
SPDR S&P Dividend ETF Com 78464A763   923,963 7,265 SH   OTR 0 7,265 0 0
SPDR S&P Global Infrastructure E COM 78463X855   55 1 SH   DFND 1 0 0 1
SPDR S&P Regional Banking ETF Com 78464A698   1,369,680 27,896 SH   SOLE 0 26,926 0 970
SPDR S&P Regional Banking ETF Com 78464A698   1,056,337 21,514 SH   OTR 0 21,319 100 95
Starbucks Corp Com 855244109   538,956 6,923 SH   SOLE 0 6,923 0 0
Starbucks Corp Com 855244109   475,274 6,105 SH   OTR 0 6,105 0 0
Starbucks Corporation COM 855244109   2,050 26 SH   DFND 1 0 0 26
State Street Corp COM 857477103   4,070 55 SH   DFND 1 0 0 55
Stitch Fix Inc COM 860897107   830 200 SH   DFND 1 0 0 200
Stryker Corp. COM 863667101   97,652 287 SH   DFND 1 0 0 287
Stryker Corporation Com 863667101   772,368 2,270 SH   SOLE 0 2,250 0 20
Stryker Corporation Com 863667101   205,851 605 SH   OTR 0 505 0 100
Sunpower Corp COM 867652406   18 6 SH   DFND 1 0 0 6
Synchrony Financial COM 87165B103   9,438 200 SH   DFND 1 0 0 200
Synovus Financial Corp. COM 87161C600   1,464 36 SH   DFND 1 0 0 36
Sysco Corp Com 871829107   449,043 6,290 SH   SOLE 0 6,290 0 0
Sysco Corp Com 871829107   674,992 9,455 SH   OTR 0 9,455 0 0
Sysco Corporation COM 871829107   632,730 8,863 SH   DFND 1 0 0 8,863
T Rowe Price Group COM 74144T108   13,722 119 SH   DFND 1 0 0 119
T Rowe Price Group Inc Com 74144T108   3,035,420 26,324 SH   SOLE 0 26,274 50 0
T Rowe Price Group Inc Com 74144T108   1,440,683 12,494 SH   OTR 0 12,014 295 185
Taiwan Semiconductor Spons ADR Com 874039100   84,124 484 SH   SOLE 0 484 0 0
Taiwan Semiconductor Spons ADR Com 874039100   494,142 2,843 SH   OTR 0 2,843 0 0
Take Two Interactv COM 874054109   4,976 32 SH   DFND 1 0 0 32
Target Corp Com 87612E106   2,337,706 15,791 SH   SOLE 0 15,202 0 589
Target Corp Com 87612E106   1,945,986 13,145 SH   OTR 0 10,380 165 2,600
Te Connectivity Limited Com H84989104   474,306 3,153 SH   SOLE 0 3,153 0 0
Te Connectivity Limited Com H84989104   667,157 4,435 SH   OTR 0 4,294 0 141
Technology Select Sect SPDR Com 81369Y803   3,703,159 16,369 SH   SOLE 0 16,149 121 99
Technology Select Sect SPDR Com 81369Y803   430,516 1,903 SH   OTR 0 1,753 150 0
Telefonaktiebolaget LM Ericsson COM 294821608   2,696 437 SH   DFND 1 0 0 437
Tesla Inc Com 88160R101   112,792 570 SH   SOLE 0 570 0 0
Tesla Inc Com 88160R101   409,612 2,070 SH   OTR 0 2,070 0 0
Tesla, Inc. COM 88160R101   411,126 1,977 SH   DFND 1 90 0 1,887
Texas Instruments Inc Com 882508104   1,281,175 6,586 SH   SOLE 0 6,586 0 0
Texas Instruments Inc Com 882508104   1,046,377 5,379 SH   OTR 0 5,247 0 132
Texas Instruments Inc. COM 882508104   3,022 16 SH   DFND 1 0 0 16
Texas Pacific Land Corporation Com 88262P102   39,651 54 SH   SOLE 0 54 0 0
Texas Pacific Land Corporation Com 88262P102   185,036 252 SH   OTR 0 252 0 0
The Boeing Company COM 097023105   27,301 150 SH   DFND 1 0 0 150
The Carlyle Group Inc. COM 14316J108   10,680 266 SH   DFND 1 0 0 266
The Charles Schwab Corp COM 808513105   61,310 832 SH   DFND 1 0 0 832
The Chemours Company COM 163851108   11,285 500 SH   DFND 1 0 0 500
The Coca-Cola Company COM 191216100   17,886 281 SH   DFND 1 0 0 281
The Dow Chemical Company COM 260557103   26,896 507 SH   DFND 1 0 0 507
The Hershey Company Com 427866108   63,421 345 SH   SOLE 0 345 0 0
The Hershey Company Com 427866108   849,111 4,619 SH   OTR 0 4,619 0 0
The Procter & Gamble Company COM 742718109   596,553 3,619 SH   DFND 1 444 0 3,175
Thermo Fisher Scientific Inc Com 883556102   2,512,279 4,543 SH   SOLE 0 4,468 0 75
Thermo Fisher Scientific Inc Com 883556102   4,104,366 7,422 SH   OTR 0 6,414 0 1,008
Thermo Fisher Scientific, Inc. COM 883556102   11,060 20 SH   DFND 1 0 0 20
TJX Cos Inc Com 872540109   3,762,007 34,169 SH   SOLE 0 32,623 246 1,300
TJX Cos Inc Com 872540109   3,767,512 34,219 SH   OTR 0 33,410 455 354
T-Mobile US Inc Com 872590104   54,968 312 SH   SOLE 0 312 0 0
T-Mobile US Inc Com 872590104   510,922 2,900 SH   OTR 0 1,600 0 1,300
Toyota Motor Corp Spons ADR Com 892331307   18,447 90 SH   SOLE 0 90 0 0
Toyota Motor Corp Spons ADR Com 892331307   240,840 1,175 SH   OTR 0 1,175 0 0
Tractor Supply Co Com 892356106   140,400 520 SH   SOLE 0 520 0 0
Tractor Supply Co Com 892356106   174,150 645 SH   OTR 0 645 0 0
Trane Technologies Plc ADR Com G8994E103   1,178,885 3,584 SH   SOLE 0 3,584 0 0
Trane Technologies Plc ADR Com G8994E103   19,121,688 58,133 SH   OTR 0 58,133 0 0
TransCoastal Corporation Com 89355M105   0 243,486 SH   OTR 0 243,486 0 0
Transdigm Group Inc Com 893641100   127,761 100 SH   SOLE 0 100 0 0
Transdigm Group Inc Com 893641100   1,226,506 960 SH   OTR 0 960 0 0
Travelers Companies Inc Com 89417E109   269,629 1,326 SH   SOLE 0 1,326 0 0
Travelers Companies Inc Com 89417E109   27,654 136 SH   OTR 0 136 0 0
Truist Financial Corporation Com 89832Q109   394,133 10,145 SH   SOLE 0 10,145 0 0
Truist Financial Corporation Com 89832Q109   127,001 3,269 SH   OTR 0 3,269 0 0
U S BANCORP COM 902973304   442,242 11,169 SH   DFND 1 11,169 0 0
Uber Technologies Inc Com 90353T100   160,914 2,214 SH   SOLE 0 2,214 0 0
Uber Technologies Inc Com 90353T100   2,802,759 38,563 SH   OTR 0 38,563 0 0
Uber Technologies Inc COM 90353T100   3,634 50 SH   DFND 1 0 0 50
Under Armour Inc COM 904311206   327 50 SH   DFND 1 0 0 50
Under Armour, Inc. COM 904311107   334 50 SH   DFND 1 0 0 50
Union Pac Corp Com 907818108   4,331,748 19,145 SH   SOLE 0 18,237 0 908
Union Pac Corp Com 907818108   4,274,730 18,893 SH   OTR 0 17,263 50 1,580
United Parcel Service Cl B Com 911312106   692,872 5,063 SH   SOLE 0 5,063 0 0
United Parcel Service Cl B Com 911312106   1,856,097 13,563 SH   OTR 0 13,528 35 0
United Rentals Inc Com 911363109   37,510 58 SH   SOLE 0 58 0 0
United Rentals Inc Com 911363109   216,008 334 SH   OTR 0 334 0 0
Unitedhealth Group Inc Com 91324P102   5,944,083 11,672 SH   SOLE 0 11,432 0 240
Unitedhealth Group Inc Com 91324P102   4,735,099 9,298 SH   OTR 0 9,110 69 119
Unitedhealth Group Inc COM 91324P102   30,044 59 SH   DFND 1 0 0 59
Universal Display Co COM 91347P105   21,025 100 SH   DFND 1 0 0 100
US Bancorp New Com 902973304   1,028,627 25,910 SH   SOLE 0 25,910 0 0
US Bancorp New Com 902973304   542,064 13,654 SH   OTR 0 12,630 555 469
Utilities Select Sector SPDR Com 81369Y886   1,793,581 26,322 SH   SOLE 0 22,159 0 4,163
Utilities Select Sector SPDR Com 81369Y886   961,115 14,105 SH   OTR 0 13,162 564 379
Utilities Select Sector SPDR Fun COM 81369Y886   56,284 826 SH   DFND 1 0 0 826
Vail Resorts Inc COM 91879Q109   959 5 SH   DFND 1 0 0 5
Vale Sa COM 91912E204   559 50 SH   DFND 1 0 0 50
Valero Energy Corp New COM 91913Y100   44,833 286 SH   DFND 1 0 0 286
VanEck BDC Income ETF COM 92189F411   931 54 SH   DFND 1 0 0 54
Vaneck ETF Trust Agribusiness Com 92189F700   760,407 10,844 SH   SOLE 0 10,063 0 781
Vaneck ETF Trust Agribusiness Com 92189F700   760,872 10,851 SH   OTR 0 10,631 125 95
Vaneck Faln Angl Hy Bnd COM 92189F437   3,962,065 140,002 SH   DFND 1 0 0 140,002
VanEck Vectors Agribusiness COM 92189F700   3,506 50 SH   DFND 1 0 0 50
Vaneck Vectors Gold Miners ETF Com 92189F106   1,037,444 30,576 SH   SOLE 0 30,576 0 0
Vaneck Vectors Gold Miners ETF Com 92189F106   1,655,988 48,806 SH   OTR 0 47,544 0 1,262
VanEck Vectors Social Sentiment COM 92189H839   191 9 SH   DFND 1 0 0 9
Vanguard Consumer COM 92204A207   30,861 152 SH   DFND 1 0 0 152
Vanguard Dividend Appreciation Com 921908844   150,604 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844   127,785 700 SH   OTR 0 700 0 0
Vanguard Dividend Appreciation ETF COM 921908844   27,766 152 SH   DFND 1 0 0 152
Vanguard Emerging Markt COM 921946885   63 1 SH   DFND 1 0 0 1
Vanguard Extended Market Index Com 922908652   206,873 1,226 SH   OTR 0 1,226 0 0
Vanguard FTSE All-World ex-US COM 922042775   190,743 3,249 SH   DFND 1 1,652 0 1,597
Vanguard Ftse All-World Ex-USI Com 922042775   584,875 9,974 SH   SOLE 0 9,974 0 0
Vanguard FTSE Developed Market Com 921943858   501,860 10,155 SH   SOLE 0 10,155 0 0
Vanguard FTSE Developed Market Com 921943858   165,013 3,339 SH   OTR 0 3,339 0 0
Vanguard Ftse Emerging COM 922042858   24,681 44 SH   DFND 1 0 0 44
Vanguard Ftse Emerging Markets Com 922042858   1,406,665 32,145 SH   SOLE 0 32,145 0 0
Vanguard Ftse Emerging Markets Com 922042858   197,314 4,509 SH   OTR 0 4,009 0 500
Vanguard Growth Index Fund ETF COM 922908736   32,913 88 SH   DFND 1 0 0 88
Vanguard Health Care COM 92204A504   86,450 325 SH   DFND 1 0 0 325
Vanguard High Dividend Yield E Com 921946406   203,043 1,712 SH   SOLE 0 1,712 0 0
Vanguard High Dividend Yield E Com 921946406   64,518 544 SH   OTR 0 544 0 0
Vanguard Index Fund Mid-Cap Com 922908629   940,074 3,883 SH   SOLE 0 3,883 0 0
Vanguard Index Fund Mid-Cap Com 922908629   87,882 363 SH   OTR 0 363 0 0
Vanguard InfoTechnology COM 92204A702   2,668,944 4,629 SH   DFND 1 0 0 4,629
Vanguard Inter Term Corp Bond Com 92206C870   982,819 12,296 SH   SOLE 0 12,296 0 0
Vanguard Inter Term Corp Bond Com 92206C870   894,257 11,188 SH   OTR 0 11,188 0 0
Vanguard Intermediate-Term Bon Com 921937819   2,259,057 30,165 SH   SOLE 0 30,165 0 0
Vanguard Intermediate-Term Bon Com 921937819   263,238 3,515 SH   OTR 0 2,015 1,500 0
Vanguard Large-Cap ETF Com 922908637   220,914 885 SH   OTR 0 885 0 0
Vanguard Materials COM 92204A801   25,235 131 SH   DFND 1 0 0 131
Vanguard Mega Cap Etf IV COM 921910873   73,786 374 SH   DFND 1 0 0 374
Vanguard Mega Cap Growth COM 921910816   23,566 75 SH   DFND 1 0 0 75
Vanguard Mega Cap Value COM 921910840   12,443 105 SH   DFND 1 0 0 105
Vanguard Mid Cap Growth COM 922908538   5,969 26 SH   DFND 1 0 0 26
Vanguard Mid Cap Value COM 922908512   4,513 30 SH   DFND 1 0 0 30
Vanguard Mid-Cap Growth Index Com 922908538   1,193,712 5,200 SH   SOLE 0 5,200 0 0
Vanguard Mid-Cap Growth Index Com 922908538   341,585 1,488 SH   OTR 0 1,488 0 0
Vanguard Mid-Cap Index Fd ETF Sh COM 922908629   511,799 2,114 SH   DFND 1 0 0 2,114
Vanguard Mid-Cap Value Index F Com 922908512   487,544 3,241 SH   SOLE 0 3,241 0 0
Vanguard Mid-Cap Value Index F Com 922908512   126,206 839 SH   OTR 0 839 0 0
Vanguard Real Estate ETF Com 922908553   1,208,824 14,432 SH   SOLE 0 14,432 0 0
Vanguard Real Estate ETF Com 922908553   443,090 5,290 SH   OTR 0 4,995 295 0
Vanguard REIT COM 922908553   135,164 1,614 SH   DFND 1 0 0 1,614
VANGUARD RUSSELL 2000 ETF IV COM 92206C664   43,468 535 SH   DFND 1 535 0 0
Vanguard S&P 500 ETF Com 922908363   2,445,136 4,889 SH   SOLE 0 4,707 0 182
Vanguard S&P 500 ETF Com 922908363   67,518 135 SH   OTR 0 135 0 0
Vanguard S&P 500 Etf COM 922908363   401,965 804 SH   DFND 1 205 0 599
Vanguard Short Term COM 92206C102   3,131 54 SH   DFND 1 0 0 54
Vanguard Short Term Bond ETF Com 921937827   649,879 8,473 SH   SOLE 0 8,473 0 0
Vanguard Short Term Bond ETF Com 921937827   76,700 1,000 SH   OTR 0 1,000 0 0
Vanguard Short Term Corp Bond Com 92206C409   963,387 12,467 SH   SOLE 0 12,467 0 0
Vanguard Short Term Corp Bond Com 92206C409   21,792 282 SH   OTR 0 282 0 0
Vanguard Short-Term Bond COM 921937827   190,369 2,482 SH   DFND 1 0 0 2,482
Vanguard Short-Term Corp Bond COM 92206C409   7,958,403 102,996 SH   DFND 1 0 0 102,996
VANGUARD SHRT INF PROT SEC INDEX ETF COM 922020805   21,217 442 SH   DFND 1 442 0 0
Vanguard Small Cap Etf COM 922908751   338,398 1,552 SH   DFND 1 0 0 1,552
Vanguard Small-Cap ETF Com 922908751   204,522 938 SH   SOLE 0 938 0 0
Vanguard Small-Cap ETF Com 922908751   150,666 691 SH   OTR 0 691 0 0
Vanguard Small-Cap Value COM 922908611   4,114,913 22,545 SH   DFND 1 0 0 22,545
Vanguard Small-Cap Value COM 922908595   58,280 233 SH   DFND 1 0 0 233
Vanguard Total Bond Market ETF Com 921937835   734,910 10,200 SH   SOLE 0 10,200 0 0
Vanguard Total Bond Market ETF Com 921937835   299,512 4,157 SH   OTR 0 4,157 0 0
Vanguard Total Bond Market Index COM 921937835   143,668 1,994 SH   DFND 1 0 0 1,994
Vanguard Total International S Com 921909768   1,026,909 17,030 SH   SOLE 0 17,030 0 0
Vanguard Total International S Com 921909768   304,214 5,045 SH   OTR 0 5,045 0 0
Vanguard Total Stock Market COM 922908769   12,498,417 43,907 SH   DFND 1 705 0 43,202
Vanguard Total Stock Market ET Com 922908769   550,001 2,056 SH   SOLE 0 2,056 0 0
Vanguard Total Stock Market ET Com 922908769   567,737 2,122 SH   OTR 0 2,122 0 0
Vanguard Value Etf COM 922908744   11,691,804 72,887 SH   DFND 1 0 0 72,887
Vanguard Whitehall Funds COM 921946406   27,871 235 SH   DFND 1 0 0 235
Vanguard World Fund - Utilities COM 92204A876   33,230 225 SH   DFND 1 0 0 225
Veralto Corp Com 92338C103   51,745 542 SH   SOLE 0 542 0 0
Veralto Corp Com 92338C103   392,764 4,114 SH   OTR 0 4,092 6 16
Verizon Communications Com 92343V104   2,342,803 56,809 SH   SOLE 0 54,017 830 1,962
Verizon Communications Com 92343V104   1,711,955 41,512 SH   OTR 0 38,641 150 2,721
Verizon Communications Inc. COM 92343V104   326,013 7,904 SH   DFND 1 185 0 7,719
Vestas Wind Sys As Utd COM 925458101   10,355 1,350 SH   DFND 1 0 0 1,350
Viacomcbs Inc COM 92556H206   3,850 371 SH   DFND 1 0 0 371
Viatris Inc COM 92556V106   11,006 1,036 SH   DFND 1 5 0 1,031
Virtus Investment Partners, Inc. COM 92828Q109   2,710 12 SH   DFND 1 0 0 12
Visa Inc Cl A Com 92826C839   2,871,684 10,941 SH   SOLE 0 10,941 0 0
Visa Inc Cl A Com 92826C839   1,751,987 6,675 SH   OTR 0 6,575 100 0
Visa Inc. COM 92826C839   46,413 177 SH   DFND 1 0 0 177
Vision Technology Co COM 92834D100   0 100 SH   DFND 1 0 0 100
Vodafone Group plc COM 92857W209   5,171 583 SH   DFND 1 0 0 583
W E C ENERGY GROUP INC COM 976657106   70,746 904 SH   DFND 1 904 0 0
Wabtec COM 929740108   4,743 30 SH   DFND 1 0 0 30
Wal Mart Inc Com 931142103   5,106,214 75,413 SH   SOLE 0 74,213 0 1,200
Wal Mart Inc Com 931142103   3,277,029 48,398 SH   OTR 0 43,550 1,050 3,798
Walgreens Boots Alli COM 931427108   1,935 160 SH   DFND 1 0 0 160
Wal-Mart Stores Inc. COM 931142103   929,455 13,727 SH   DFND 1 0 0 13,727
Walt Disney Co. COM 254687106   116,666 1,175 SH   DFND 1 0 0 1,175
Warner Bros Discovery Inc. COM 934423104   17,990 2,418 SH   DFND 1 0 0 2,418
Waste Management Inc Com 94106L109   176,859 829 SH   SOLE 0 829 0 0
Waste Management Inc Com 94106L109   554,257 2,598 SH   OTR 0 2,368 0 230
Webster Finl Co COM 947890109   2,259 52 SH   DFND 1 0 0 52
Wells Fargo & CO Com 949746101   1,809,380 30,466 SH   SOLE 0 29,673 0 793
Wells Fargo & CO Com 949746101   899,462 15,145 SH   OTR 0 13,560 600 985
Wells Fargo & Company COM 949746101   51,683 866 SH   DFND 1 498 0 368
WELLTOWER INC REIT COM 95040Q104   14,591 141 SH   DFND 1 141 0 0
Wendy's International Inc. COM 95058W100   5,668 334 SH   DFND 1 0 0 334
Western Alliance Bancorporation COM 957638109   6,450 103 SH   DFND 1 0 0 103
Westinghouse Air Brake Technol Com 929740108   213,368 1,350 SH   OTR 0 1,350 0 0
Westrock Co COM 96145D105   17,893 356 SH   DFND 1 0 0 356
Weyerhaeuser CO REIT Com 962166104   312,631 11,012 SH   SOLE 0 10,742 0 270
Weyerhaeuser CO REIT Com 962166104   382,300 13,466 SH   OTR 0 13,466 0 0
WisdomTree MidCap Dividend COM 97717W505   1,104,431 23,621 SH   DFND 1 0 0 23,621
WisdomTree MidCap Dividend ETF Com 97717W505   2,140,756 45,772 SH   SOLE 0 45,376 0 396
WisdomTree MidCap Dividend ETF Com 97717W505   281,041 6,009 SH   OTR 0 2,999 0 3,010
WisdomTree SmallCap Dividend COM 97717W604   931,732 29,924 SH   DFND 1 0 0 29,924
WisdomTree SmallCap Dividend E Com 97717W604   712,774 22,882 SH   SOLE 0 22,812 0 70
WisdomTree SmallCap Dividend E Com 97717W604   25,605 822 SH   OTR 0 822 0 0
Wk Kellogg Co COM 92942W107   757 46 SH   DFND 1 0 0 46
Xcel Energy Inc COM 98389B100   67,096 1,263 SH   DFND 1 404 0 859
Xpo Logistics Inc COM 983793100   13,693 129 SH   DFND 1 0 0 129
Xylem Inc Com 98419M100   495,050 3,650 SH   SOLE 0 3,650 0 0
Xylem Inc Com 98419M100   101,723 750 SH   OTR 0 750 0 0
Yum China Holdings, Inc. COM 98850P109   5,644 183 SH   DFND 1 0 0 183
Yum! Brands Inc Com 988498101   238,031 1,797 SH   SOLE 0 1,797 0 0
Yum! Brands Inc Com 988498101   187,431 1,415 SH   OTR 0 1,415 0 0
Yum! Brands, Inc. COM 988498101   30,333 229 SH   DFND 1 0 0 229
Zimmer Biomet Holdings Inc Com 98956P102   374,754 3,453 SH   SOLE 0 3,263 0 190
Zimmer Biomet Holdings Inc Com 98956P102   317,016 2,921 SH   OTR 0 2,872 49 0
Zoetis Inc Com 98978V103   238,717 1,377 SH   SOLE 0 1,377 0 0
Zoetis Inc Com 98978V103   748,915 4,320 SH   OTR 0 4,320 0 0
Zoetis Inc COM 98978V103   75,758 437 SH   DFND 1 0 0 437