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
3M CO Equities 88579Y101   136,022 1,359 SH   DFND   1,359 0 0
3M CO Equities 88579Y101   89,480 894 SH   SOLE   894 0 0
ABBOTT LABORATORIES Equities 002824100   98,118 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100   4,247,637 38,962 SH   SOLE   38,962 0 0
ABBVIE INC COM Equities 00287Y109   121,257 900 SH   DFND   900 0 0
ABBVIE INC COM Equities 00287Y109   5,690,860 42,239 SH   SOLE   42,048 0 191
ACCENTURE PLC IRELAND CL A Equities G1151C101   23,144 75 SH   DFND   75 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101   374,925 1,215 SH   SOLE   1,158 0 57
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106   225,120 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   35,910 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   804,384 6,720 SH   SOLE   6,720 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   65,324 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   941,630 7,784 SH   SOLE   7,784 0 0
AMAZON.COM INC Equities 023135106   26,072 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106   359,794 2,760 SH   SOLE   2,760 0 0
AMERICAN EXPRESS CO Equities 025816109   34,840 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109   213,918 1,228 SH   SOLE   1,228 0 0
AMERICAN TOWER CORP NEW Equities 03027X100   24,049 124 SH   DFND   124 0 0
AMERICAN TOWER CORP NEW Equities 03027X100   267,249 1,378 SH   SOLE   1,300 0 78
AMGEN INC Equities 031162100   82,147 370 SH   DFND   370 0 0
AMGEN INC Equities 031162100   286,628 1,291 SH   SOLE   1,148 0 143
APPLE INC Equities 037833100   367,185 1,893 SH   DFND   1,893 0 0
APPLE INC Equities 037833100   9,087,688 46,851 SH   SOLE   46,851 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   336,938 1,533 SH   DFND   1,533 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   1,841,840 8,380 SH   SOLE   8,171 0 209
BECTON DICKINSON & CO Equities 075887109   171,607 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109   616,991 2,337 SH   SOLE   2,337 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702   1,057,100 3,100 SH   SOLE   3,100 0 0
BOEING CO Equities 097023105   488,624 2,314 SH   SOLE   2,314 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   35,492 555 SH   DFND   555 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   643,721 10,066 SH   SOLE   10,066 0 0
BROADCOM INC Equities 11135F101   24,288 28 SH   DFND   28 0 0
BROADCOM INC Equities 11135F101   447,594 516 SH   SOLE   450 0 66
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   32,661 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   266,187 2,445 SH   SOLE   2,445 0 0
CANADIAN PACIFIC KANSAS CITY LT Equities 13646K108   367,584 4,551 SH   SOLE   4,551 0 0
CARRIER GLOBAL CORP Equities 14448C104   33,554 675 SH   DFND   675 0 0
CARRIER GLOBAL CORP Equities 14448C104   223,148 4,489 SH   SOLE   4,489 0 0
CATERPILLAR INC Equities 149123101   36,908 150 SH   DFND   150 0 0
CATERPILLAR INC Equities 149123101   237,930 967 SH   SOLE   967 0 0
CHEVRON CORP Equities 166764100   58,849 374 SH   DFND   374 0 0
CHEVRON CORP Equities 166764100   3,759,406 23,892 SH   SOLE   23,892 0 0
CHUBB LIMITED Equities H1467J104   78,179 406 SH   DFND   406 0 0
CHUBB LIMITED Equities H1467J104   1,434,957 7,452 SH   SOLE   7,201 0 251
CISCO SYSTEMS INC Equities 17275R102   165,568 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102   483,200 9,339 SH   SOLE   8,725 0 614
COCA COLA CO Equities 191216100   54,198 900 SH   DFND   900 0 0
COCA COLA CO Equities 191216100   1,369,583 22,743 SH   SOLE   22,743 0 0
COMCAST CORP CLASS A Equities 20030N101   16,578 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101   219,758 5,289 SH   SOLE   5,289 0 0
COSTCO WHOLESALE CORP Equities 22160K105   178,742 332 SH   DFND   332 0 0
COSTCO WHOLESALE CORP Equities 22160K105   2,695,130 5,006 SH   SOLE   4,967 0 39
CSX CORP Equities 126408103   763,772 22,398 SH   SOLE   22,398 0 0
CUMMINS INC Equities 231021106   24,761 101 SH   DFND   101 0 0
CUMMINS INC Equities 231021106   351,559 1,434 SH   SOLE   1,201 0 233
CVS HEALTH CORPORATION Equities 126650100   243,476 3,522 SH   SOLE   3,522 0 0
DEERE & COMPANY Equities 244199105   835,502 2,062 SH   SOLE   2,062 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103   333,060 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106   1,333,218 14,933 SH   SOLE   14,933 0 0
ECOLAB INC Equities 278865100   24,456 131 SH   DFND   131 0 0
ECOLAB INC Equities 278865100   304,118 1,629 SH   SOLE   1,464 0 165
EXPEDITORS INTERNATIONAL Equities 302130109   437,885 3,615 SH   SOLE   3,615 0 0
EXXON MOBIL CORP Equities 30231G102   265,980 2,480 SH   DFND   2,480 0 0
EXXON MOBIL CORP Equities 30231G102   3,020,267 28,161 SH   SOLE   28,161 0 0
FEDEX CORP Equities 31428X106   30,988 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106   337,144 1,360 SH   SOLE   1,360 0 0
GENERAL ELECTRIC CO Equities 369604301   19,334 176 SH   DFND   176 0 0
GENERAL ELECTRIC CO Equities 369604301   243,647 2,218 SH   SOLE   2,218 0 0
GENERAL MILLS INC Equities 370334104   130,390 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104   127,859 1,667 SH   SOLE   1,667 0 0
HARLEY DAVIDSON INC Equities 412822108   492,940 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   922,753 4,447 SH   SOLE   4,447 0 0
INTEL CORP Equities 458140100   64,405 1,926 SH   DFND   1,926 0 0
INTEL CORP Equities 458140100   432,680 12,939 SH   SOLE   12,939 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   115,478 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   414,276 3,096 SH   SOLE   3,096 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613   306,541 1,874 SH   SOLE   1,874 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508   209,359 9,951 SH   SOLE   9,951 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103   339,460 6,887 SH   SOLE   6,887 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   95,316 1,522 SH   DFND   1,522 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   2,404,652 38,400 SH   SOLE   38,400 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200   2,864,423 6,427 SH   SOLE   6,427 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507   540,825 2,068 SH   SOLE   2,068 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226   2,285,036 23,328 SH   SOLE   23,328 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   79,388 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   1,147,748 15,831 SH   SOLE   15,831 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234   543,871 13,748 SH   SOLE   13,748 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339   421,428 3,124 SH   SOLE   3,124 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   73,206 266 SH   DFND   266 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   237,126 862 SH   SOLE   862 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655   2,531,890 13,520 SH   SOLE   13,520 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   87,097 359 SH   DFND   359 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   687,704 2,833 SH   SOLE   2,833 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   75,563 537 SH   DFND   537 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   371,841 2,640 SH   SOLE   2,640 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   133,791 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   2,661,432 36,443 SH   SOLE   36,443 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   24,499 229 SH   DFND   229 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   597,639 5,579 SH   SOLE   5,579 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   24,524 327 SH   DFND   327 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   417,201 5,562 SH   SOLE   5,562 0 0
JOHNSON AND JOHNSON Equities 478160104   216,500 1,308 SH   DFND   1,308 0 0
JOHNSON AND JOHNSON Equities 478160104   3,219,695 19,452 SH   SOLE   19,152 0 300
JPMORGAN CHASE & CO COM Equities 46625H100   169,874 1,168 SH   DFND   1,168 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   1,947,732 13,392 SH   SOLE   13,392 0 0
KIMBERLY-CLARK CORP Equities 494368103   91,672 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103   159,597 1,156 SH   SOLE   1,156 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101   68,172 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G54950103   219,121 575 SH   DFND   575 0 0
LINDE PLC Equities G54950103   613,158 1,609 SH   SOLE   1,609 0 0
LOWES COMPANIES INC Equities 548661107   26,181 116 SH   DFND   116 0 0
LOWES COMPANIES INC Equities 548661107   450,497 1,996 SH   SOLE   1,912 0 84
MASTERCARD INC CLASS A Equities 57636Q104   411,785 1,047 SH   SOLE   1,047 0 0
MCCORMICK & CO INC Equities 579780206   261,690 3,000 SH   SOLE   3,000 0 0
MCDONALDS CORP Equities 580135101   223,808 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101   910,151 3,050 SH   SOLE   3,050 0 0
MCKESSON CORP Equities 58155Q103   469,614 1,099 SH   SOLE   1,099 0 0
MERCK & CO INC Equities 58933Y105   11,539 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105   612,029 5,304 SH   SOLE   5,304 0 0
MICROSOFT CORP Equities 594918104   1,191,209 3,498 SH   DFND   3,498 0 0
MICROSOFT CORP Equities 594918104   10,252,297 30,106 SH   SOLE   29,946 0 160
MONDELEZ INTL INC CL A Equities 609207105   313,350 4,296 SH   SOLE   4,296 0 0
NEXTERA ENERGY INC Equities 65339F101   141,870 1,912 SH   DFND   1,912 0 0
NEXTERA ENERGY INC Equities 65339F101   1,223,484 16,489 SH   SOLE   16,251 0 238
NIKE INC CL B Equities 654106103   2,173,848 19,696 SH   SOLE   19,696 0 0
NORFOLK SOUTHERN CORP Equities 655844108   226,760 1,000 SH   SOLE   1,000 0 0
NOVARTIS AG ADR Equities 66987V109   114,432 1,134 SH   DFND   1,134 0 0
NOVARTIS AG ADR Equities 66987V109   671,455 6,654 SH   SOLE   6,090 0 564
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105   1,717,323 157,264 SH   SOLE   157,264 0 0
ORACLE CORP Equities 68389X105   119,090 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   566,273 4,755 SH   SOLE   4,755 0 0
PEPSICO INC Equities 713448108   230,784 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108   1,119,099 6,042 SH   SOLE   6,042 0 0
PFIZER INC Equities 717081103   64,814 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103   445,442 12,144 SH   SOLE   12,144 0 0
PHILIP MORRIS INTL INC Equities 718172109   9,372 96 SH   DFND   96 0 0
PHILIP MORRIS INTL INC Equities 718172109   304,477 3,119 SH   SOLE   3,119 0 0
PHILLIPS 66 Equities 718546104   43,875 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104   282,897 2,966 SH   SOLE   2,966 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106   366,912 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109   187,399 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109   2,810,832 18,524 SH   SOLE   18,524 0 0
QUALCOMM INC Equities 747525103   23,808 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103   583,058 4,898 SH   SOLE   4,709 0 189
RAYTHEON TECHS CORP Equities 75513E101   136,164 1,390 SH   DFND   1,390 0 0
RAYTHEON TECHS CORP Equities 75513E101   1,382,412 14,112 SH   SOLE   13,892 0 220
S&P GLOBAL INC Equities 78409V104   133,095 332 SH   DFND   332 0 0
S&P GLOBAL INC Equities 78409V104   582,092 1,452 SH   SOLE   1,407 0 45
SARATOGA INVESTMENT CORP NEW Equities 80349A208   296,890 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   328,994 4,530 SH   DFND   4,530 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   907,884 12,500 SH   SOLE   12,500 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201   1,494,430 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607   606,367 13,844 SH   SOLE   13,844 0 0
SEMPRA ENERGY Equities 816851109   280,261 1,925 SH   SOLE   1,925 0 0
SPDR PORT INTERMEDIATE TERM COR Fixed Income 78464A375   724,867 22,575 SH   SOLE   22,575 0 0
SPDR S&P 500 (MKT) Equities 78462F103   177,312 400 SH   DFND   400 0 0
SPDR S&P 500 (MKT) Equities 78462F103   66,049 149 SH   SOLE   149 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107   2,152,700 4,495 SH   SOLE   4,495 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   121,913 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   963,276 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109   22,586 228 SH   DFND   228 0 0
STARBUCKS CORP Equities 855244109   549,288 5,545 SH   SOLE   5,166 0 379
SUN LIFE FINANCIAL INC Equities 866796105   348,839 6,693 SH   SOLE   6,693 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109   392,040 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106   26,380 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106   486,315 3,687 SH   SOLE   3,570 0 117
THERMO FISHER SCIENTIFIC INC Equities 883556102   528,533 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   30,652 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   470,173 2,623 SH   SOLE   2,491 0 132
US BANCORP Equities 902973304   508,188 15,381 SH   SOLE   15,381 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844   278,892 1,717 SH   SOLE   1,717 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   989,331 21,423 SH   SOLE   21,423 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   32,178 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   658,116 16,176 SH   SOLE   16,176 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736   2,796,954 9,885 SH   SOLE   9,885 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   525,238 4,952 SH   DFND   4,952 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   1,475,953 13,915 SH   SOLE   13,915 0 0
VANGUARD LARGE CAP ETF Equities 922908637   1,268,216 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816   225,907 960 SH   SOLE   960 0 0
VANGUARD REIT ETF (MKT) Equities 922908553   272,071 3,256 SH   SOLE   3,256 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363   428,166 1,051 SH   SOLE   1,051 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827   623,604 8,250 SH   SOLE   8,250 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409   210,100 2,777 SH   SOLE   2,777 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   1,690,429 7,674 SH   SOLE   7,674 0 0
VANGUARD VALUE ETF Equities 922908744   96,070 676 SH   DFND   676 0 0
VANGUARD VALUE ETF Equities 922908744   3,143,425 22,119 SH   SOLE   22,119 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   56,938 1,531 SH   DFND   1,531 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   451,784 12,148 SH   SOLE   12,148 0 0
VISA INC CL A Equities 92826C839   802,920 3,381 SH   SOLE   3,381 0 0
WALMART INC Equities 931142103   81,262 517 SH   DFND   517 0 0
WALMART INC Equities 931142103   167,711 1,067 SH   SOLE   1,067 0 0
WELLS FARGO & COMPANY Equities 949746101   157,916 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101   838,150 19,638 SH   SOLE   19,638 0 0
WEYERHAEUSER CO Equities 962166104   8,780 262 SH   DFND   262 0 0
WEYERHAEUSER CO Equities 962166104   201,462 6,012 SH   SOLE   6,012 0 0
ZOETIS INC Equities 98978V103   37,714 219 SH   DFND   219 0 0
ZOETIS INC Equities 98978V103   356,130 2,068 SH   SOLE   2,068 0 0