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
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101   376,229 1,410 SH   SOLE   1,410 0 0
AT&T INC COMMON STOCK 00206R102   2,330,875 126,678 SH   SOLE   126,300 0 378
ABBVIE INC COMMON STOCK 00287Y109   250,169 1,548 SH   SOLE   1,548 0 0
ALPHA ARCHITECT US QUANTITATIVE VALUE ETF CLOSED END FD/EQ CEF&ETF 02072L102   421,165 13,096 SH   SOLE   13,096 0 0
ALPHA ARCHITECT INTL QUANTITATIVE VALUE ETF CLOSED END/INTL EQ CEF&ETF 02072L201   298,736 13,641 SH   SOLE   13,641 0 0
ALPHA ARCHITECT INTL QUANTITATIVE MOMENTUM ETF CLOSED END/INTL EQ CEF&ETF 02072L300   943,040 37,904 SH   SOLE   37,904 0 0
ALPHA ARCHITECT US QUANTITATIVE MOMENTUM ETF CLOSED END FD/EQ CEF&ETF 02072L409   414,790 9,031 SH   SOLE   9,031 0 0
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,479,303 16,672 SH   SOLE   16,672 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   1,121,135 12,707 SH   SOLE   12,707 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   210,901 4,615 SH   SOLE   4,615 0 0
AMAZON.COM INC COMMON STOCK 023135106   1,422,540 16,935 SH   SOLE   16,935 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   235,365 1,593 SH   SOLE   1,593 0 0
APPLE INC COMMON STOCK 037833100   10,985,955 84,553 SH   SOLE   84,553 0 0
BERKSHIRE HATHAWAY INC DEL CL B COMMON STOCK 084670702   619,010 2,004 SH   SOLE   2,004 0 0
BOEING COMPANY COMMON STOCK 097023105   628,609 3,300 SH   SOLE   3,300 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   431,447 1,801 SH   SOLE   1,801 0 0
CENOVUS ENERGY INC FOREIGN EQUITIES 15135U109   241,800 12,464 SH   SOLE   12,464 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   876,084 4,881 SH   SOLE   4,881 0 0
CISCO SYS INC COMMON STOCK 17275R102   381,181 8,003 SH   SOLE   8,003 0 0
COMPASS INC CLASS A COMMON STOCK 20464U100   55,065 23,735 SH   SOLE   23,735 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104   326,532 3,426 SH   SOLE   3,426 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   2,075,703 4,547 SH   SOLE   4,547 0 0
CUMMINS INC COMMON STOCK 231021106   599,419 2,474 SH   SOLE   2,474 0 0
DANAHER CORP COMMON STOCK 235851102   1,223,006 4,608 SH   SOLE   4,608 0 0
DEERE & COMPANY COMMON STOCK 244199105   2,478,655 5,781 SH   SOLE   5,781 0 0
DIMENSIONAL ETF TRUST INTL CORE ETF CLOSED END FD/EQ CEF&ETF 25434V203   2,583,525 103,176 SH   SOLE   103,176 0 0
DFA EMERGING MARKETS CORE ETF CLOSED END/INTL EQ CEF&ETF 25434V302   1,600,526 72,918 SH   SOLE   72,918 0 0
DIMENSIONAL U.S. SMALL CAP ETF CLOSED END FD/EQ CEF&ETF 25434V500   2,739,050 53,550 SH   SOLE   53,550 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF CLOSED END FD/EQ CEF&ETF 25434V609   399,022 9,079 SH   SOLE   9,079 0 0
DIMENSIONAL U.S. CORE EQUIT Y II ETF CLOSED END FD/EQ CEF&ETF 25434V708   39,983,302 1,647,440 SH   SOLE   1,647,440 0 0
DIMENSIONAL US MARKETWIDE VALUE ETF CLOSED END FD/EQ CEF&ETF 25434V724   19,448,288 581,068 SH   SOLE   581,068 0 0
DIMENSIONAL INTERNATIONAL VALUE ETF CLOSED END/INTL EQ CEF&ETF 25434V807   8,429,006 277,363 SH   SOLE   277,363 0 0
DIMENSIONAL WORLD EX US CORE EQUITY 2 ETF CLOSED END/INTL EQ CEF&ETF 25434V880   34,009,003 1,575,224 SH   SOLE   1,575,224 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   331,214 3,216 SH   SOLE   3,053 0 163
EXXON MOBIL CORP COM COMMON STOCK 30231G102   678,119 6,148 SH   SOLE   5,946 0 202
FIDELITY TOTAL BOND ETF CLOSED END FD/FIX INC CEF&ETF 316188309   12,369,746 274,762 SH   SOLE   274,762 0 0
HEALTH CATALYST INC COMMON STOCK 42225T107   261,571 24,607 SH   SOLE   24,607 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   559,053 1,770 SH   SOLE   1,770 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   345,450 1,612 SH   SOLE   1,612 0 0
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   352,480 1,600 SH   SOLE   1,600 0 0
INTEL CORPORATION COM COMMON STOCK 458140100   264,403 10,004 SH   SOLE   9,778 0 226
INTERNATIONAL BUSINESS MACHINES CORP COM COMMON STOCK 459200101   254,022 1,803 SH   SOLE   1,803 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FD ETF CLOSED END FD/EQ CEF&ETF 464287614   602,014 2,810 SH   SOLE   2,810 0 0
ISHARES NATIONAL MUNI BD ETF MUTUAL FUND/TX EXPT/CEF & ETF 464288414   328,483 3,113 SH   SOLE   3,113 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF CLOSED END FD/EQ CEF&ETF 46432F396   473,241 3,243 SH   SOLE   3,243 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CLOSED END/INTL EQ CEF&ETF 46434G103   679,425 14,549 SH   SOLE   14,549 0 0
JP MORGAN HIGH YLD RESEARCH ENHANCED ETF CLOSED END FD/FIX INC CEF&ETF 46641Q878   381,320 8,698 SH   SOLE   8,698 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,520,596 8,608 SH   SOLE   8,506 0 102
KOSMOS ENERGY LTD COM COMMON STOCK 500688106   136,579 21,475 SH   SOLE   21,475 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   363,714 1,046 SH   SOLE   1,046 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   1,432,749 5,437 SH   SOLE   5,437 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   227,555 2,051 SH   SOLE   2,051 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   5,159,476 21,514 SH   SOLE   21,514 0 0
NIKE INC CL B COM COMMON STOCK 654106103   1,062,447 9,080 SH   SOLE   9,080 0 0
PACCAR INC COMMON STOCK 693718108   387,859 3,919 SH   SOLE   3,919 0 0
PEPSICO INC COM COMMON STOCK 713448108   327,353 1,812 SH   SOLE   1,812 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   856,306 5,650 SH   SOLE   5,527 0 123
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   19,702 130 SH   DFND   130 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   322,330 3,194 SH   SOLE   3,088 0 106
SPDR S&P 500 TRUST ETF CLOSED END FD/EQ CEF&ETF 78462F103   901,363 2,357 SH   SOLE   2,357 0 0
TECHNOLOGY SECTOR INDEX COMMON STOCK 81369Y803   435,042 3,496 SH   SOLE   3,496 0 0
SOUTHERN CO COMMON STOCK 842587107   434,397 6,084 SH   SOLE   6,084 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   775,903 6,299 SH   SOLE   6,299 0 0
US BANCORP DEL COM NEW COMMON STOCK 902973304   325,064 7,454 SH   SOLE   7,454 0 0
UNION PAC CORP COM COMMON STOCK 907818108   420,553 2,031 SH   SOLE   2,031 0 0
UNION PAC CORP COM COMMON STOCK 907818108   143,499 693 SH   DFND   693 0 0
UNITED PARCEL SERVICE COM COMMON STOCK 911312106   365,582 2,103 SH   SOLE   2,103 0 0
UNITED HEALTH GROUP INC COMMON STOCK 91324P102   592,198 1,117 SH   SOLE   1,117 0 0
VALMONT INDUSTRIES, INC. COMMON STOCK 920253101   424,898 1,285 SH   SOLE   1,285 0 0
VANGUARD TOTAL BOND MARKET ETF CLOSED END FD/FIX INC CEF&ETF 921937835   565,021 7,865 SH   SOLE   7,865 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF CLOSED END/INTL EQ CEF&ETF 921943858   3,967,717 94,537 SH   SOLE   94,537 0 0
VANGUARD TOTAL INTL BOND ETF CLOSED END FD/FIX INC CEF&ETF 92203J407   272,864 5,753 SH   SOLE   5,753 0 0
VANGUARD EMERGING MARKETS ETF CLOSED END/INTL EQ CEF&ETF 922042858   1,011,388 25,953 SH   SOLE   25,953 0 0
VANGUARD TAX EXEMPT BOND ETF MUTUAL FUND/TX EXPT/CEF & ETF 922907746   47,455,983 958,902 SH   SOLE   958,902 0 0
VANGUARD S&P 500 ETF CLOSED END FD/EQ CEF&ETF 922908363   1,669,867 4,753 SH   SOLE   4,753 0 0
VANGUARD EXTENDED MARKET INDEX ETF CLOSED END FD/EQ CEF&ETF 922908652   284,718 2,143 SH   SOLE   2,143 0 0
VANGUARD GROWTH ETF CLOSED END FD/EQ CEF&ETF 922908736   2,893,394 13,577 SH   SOLE   13,577 0 0
VANGUARD VALUE ETF CLOSED END FD/EQ CEF&ETF 922908744   4,571,274 32,566 SH   SOLE   32,566 0 0
VANGUARD SMALL CAP ETF CLOSED END FD/EQ CEF&ETF 922908751   845,384 4,606 SH   SOLE   4,606 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   232,069 24,480 SH   SOLE   24,480 0 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   295,718 1,885 SH   SOLE   1,885 0 0