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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   127,230 1,359 SH   DFND   1,359 0 0
3M CO Equities 88579Y101   79,109 845 SH   SOLE   845 0 0
ABBOTT LABORATORIES Equities 002824100   87,165 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100   3,779,474 39,024 SH   SOLE   39,024 0 0
ABBVIE INC COM Equities 00287Y109   134,154 900 SH   DFND   900 0 0
ABBVIE INC COM Equities 00287Y109   6,296,145 42,239 SH   SOLE   42,048 0 191
ACCENTURE PLC IRELAND CL A Equities G1151C101   22,419 73 SH   DFND   73 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101   407,535 1,327 SH   SOLE   1,270 0 57
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106   212,450 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   39,258 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   905,551 6,920 SH   SOLE   6,920 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   71,199 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   1,026,320 7,784 SH   SOLE   7,784 0 0
AMAZON.COM INC Equities 023135106   25,424 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106   471,488 3,709 SH   SOLE   3,709 0 0
AMERICAN EXPRESS CO Equities 025816109   29,838 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109   193,798 1,299 SH   SOLE   1,299 0 0
AMERICAN TOWER CORP NEW Equities 03027X100   21,543 131 SH   DFND   131 0 0
AMERICAN TOWER CORP NEW Equities 03027X100   262,462 1,596 SH   SOLE   1,518 0 78
AMGEN INC Equities 031162100   91,916 342 SH   DFND   342 0 0
AMGEN INC Equities 031162100   373,845 1,391 SH   SOLE   1,248 0 143
APPLE INC Equities 037833100   930,698 5,436 SH   DFND   5,436 0 0
APPLE INC Equities 037833100   7,856,142 45,886 SH   SOLE   45,886 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   366,644 1,524 SH   DFND   1,524 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   1,982,139 8,239 SH   SOLE   8,030 0 209
BECTON DICKINSON & CO Equities 075887109   168,045 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109   604,185 2,337 SH   SOLE   2,337 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702   1,137,424 3,247 SH   SOLE   3,247 0 0
BOEING CO Equities 097023105   462,716 2,414 SH   SOLE   2,414 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   32,212 555 SH   DFND   555 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   592,182 10,203 SH   SOLE   10,203 0 0
BROADCOM INC Equities 11135F101   22,426 27 SH   DFND   27 0 0
BROADCOM INC Equities 11135F101   464,294 559 SH   SOLE   493 0 66
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   28,374 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   231,248 2,445 SH   SOLE   2,445 0 0
CANADIAN PACIFIC KANSAS CITY LT Equities 13646K108   338,640 4,551 SH   SOLE   4,551 0 0
CARRIER GLOBAL CORP Equities 14448C104   35,604 645 SH   DFND   645 0 0
CARRIER GLOBAL CORP Equities 14448C104   228,473 4,139 SH   SOLE   4,139 0 0
CATERPILLAR INC Equities 149123101   40,950 150 SH   DFND   150 0 0
CATERPILLAR INC Equities 149123101   263,991 967 SH   SOLE   967 0 0
CHENIERE ENERGY PARTNERS LP UNI Equities 16411Q101   216,760 4,000 SH   SOLE   4,000 0 0
CHEVRON CORP Equities 166764100   63,064 374 SH   DFND   374 0 0
CHEVRON CORP Equities 166764100   4,076,051 24,173 SH   SOLE   24,173 0 0
CHUBB LIMITED Equities H1467J104   82,856 398 SH   DFND   398 0 0
CHUBB LIMITED Equities H1467J104   1,537,409 7,385 SH   SOLE   7,134 0 251
CISCO SYSTEMS INC Equities 17275R102   172,032 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102   504,753 9,389 SH   SOLE   8,775 0 614
COCA COLA CO Equities 191216100   50,382 900 SH   DFND   900 0 0
COCA COLA CO Equities 191216100   1,244,603 22,233 SH   SOLE   22,233 0 0
COMCAST CORP CLASS A Equities 20030N101   17,692 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101   244,180 5,507 SH   SOLE   5,507 0 0
COSTCO WHOLESALE CORP Equities 22160K105   185,307 328 SH   DFND   328 0 0
COSTCO WHOLESALE CORP Equities 22160K105   2,905,024 5,142 SH   SOLE   5,103 0 39
CSX CORP Equities 126408103   688,739 22,398 SH   SOLE   22,398 0 0
CUMMINS INC Equities 231021106   22,618 99 SH   DFND   99 0 0
CUMMINS INC Equities 231021106   362,109 1,585 SH   SOLE   1,352 0 233
CVS HEALTH CORPORATION Equities 126650100   245,906 3,522 SH   SOLE   3,522 0 0
DEERE & COMPANY Equities 244199105   764,949 2,027 SH   SOLE   2,027 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103   256,017 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106   1,215,345 14,995 SH   SOLE   14,995 0 0
ECOLAB INC Equities 278865100   22,191 131 SH   DFND   131 0 0
ECOLAB INC Equities 278865100   310,510 1,833 SH   SOLE   1,668 0 165
EXPEDITORS INTERNATIONAL Equities 302130109   414,387 3,615 SH   SOLE   3,615 0 0
EXXON MOBIL CORP Equities 30231G102   291,598 2,480 SH   DFND   2,480 0 0
EXXON MOBIL CORP Equities 30231G102   3,191,944 27,147 SH   SOLE   27,147 0 0
FEDEX CORP Equities 31428X106   33,115 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106   369,034 1,393 SH   SOLE   1,393 0 0
FORD MOTOR COMPANY Equities 345370860   19,872 1,600 SH   DFND   1,600 0 0
FORD MOTOR COMPANY Equities 345370860   116,400 9,372 SH   SOLE   9,372 0 0
GENERAL ELECTRIC CO Equities 369604301   11,166 101 SH   DFND   101 0 0
GENERAL ELECTRIC CO Equities 369604301   245,200 2,218 SH   SOLE   2,218 0 0
GENERAL MILLS INC Equities 370334104   108,783 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104   120,813 1,888 SH   SOLE   1,888 0 0
HARLEY DAVIDSON INC Equities 412822108   462,840 14,000 SH   SOLE   14,000 0 0
HEALTH CARE SELECT SECTOR SPDRR Equities 81369Y209   226,067 1,756 SH   SOLE   1,756 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   828,374 4,484 SH   SOLE   4,484 0 0
INTEL CORP Equities 458140100   65,874 1,853 SH   DFND   1,853 0 0
INTEL CORP Equities 458140100   459,981 12,939 SH   SOLE   12,939 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   121,079 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   344,016 2,452 SH   SOLE   2,452 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613   251,769 7,912 SH   SOLE   7,912 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508   206,447 9,836 SH   SOLE   9,836 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103   353,023 7,418 SH   SOLE   7,025 0 393
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   91,811 1,530 SH   DFND   1,530 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   2,302,395 38,380 SH   SOLE   38,380 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200   2,942,305 6,852 SH   SOLE   6,683 0 169
ISHARES CORE S&P MID CAP ETF Equities 464287507   574,193 2,303 SH   SOLE   2,303 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226   2,138,636 22,743 SH   SOLE   22,271 0 472
ISHARES MSCI EAFE (MKT) Equities 464287465   75,467 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   1,048,135 15,208 SH   SOLE   15,208 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234   518,842 13,672 SH   SOLE   13,672 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339   375,063 2,845 SH   SOLE   2,845 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   68,278 257 SH   DFND   257 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   286,900 1,079 SH   SOLE   1,079 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655   2,388,641 13,515 SH   SOLE   13,442 0 73
ISHARES RUSSELL 2000 GROWTH Equities 464287648   81,093 362 SH   DFND   362 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   641,301 2,862 SH   SOLE   2,862 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   72,453 535 SH   DFND   535 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   349,050 2,576 SH   SOLE   2,576 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   126,866 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   2,543,206 36,725 SH   SOLE   36,493 0 232
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   23,001 228 SH   DFND   228 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   557,541 5,525 SH   SOLE   5,525 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   23,045 319 SH   DFND   319 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   400,731 5,548 SH   SOLE   5,548 0 0
JOHNSON AND JOHNSON Equities 478160104   198,581 1,275 SH   DFND   1,275 0 0
JOHNSON AND JOHNSON Equities 478160104   3,032,297 19,469 SH   SOLE   19,169 0 300
JPMORGAN CHASE & CO COM Equities 46625H100   169,383 1,168 SH   DFND   1,168 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   1,948,344 13,435 SH   SOLE   13,435 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101   94,254 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G54950103   214,101 575 SH   DFND   575 0 0
LINDE PLC Equities G54950103   599,111 1,609 SH   SOLE   1,609 0 0
LOWES COMPANIES INC Equities 548661107   22,239 107 SH   DFND   107 0 0
LOWES COMPANIES INC Equities 548661107   511,702 2,462 SH   SOLE   2,378 0 84
MASTERCARD INC CLASS A Equities 57636Q104   414,518 1,047 SH   SOLE   1,047 0 0
MCCORMICK & CO INC Equities 579780206   226,920 3,000 SH   SOLE   3,000 0 0
MCDONALDS CORP Equities 580135101   197,580 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101   806,917 3,063 SH   SOLE   3,063 0 0
MCKESSON CORP Equities 58155Q103   477,900 1,099 SH   SOLE   1,099 0 0
MERCK & CO INC Equities 58933Y105   10,295 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105   557,989 5,420 SH   SOLE   5,420 0 0
MICROSOFT CORP Equities 594918104   1,104,494 3,498 SH   DFND   3,498 0 0
MICROSOFT CORP Equities 594918104   9,743,729 30,859 SH   SOLE   30,699 0 160
MONDELEZ INTL INC CL A Equities 609207105   311,051 4,482 SH   SOLE   4,482 0 0
NEXTERA ENERGY INC Equities 65339F101   112,059 1,956 SH   DFND   1,956 0 0
NEXTERA ENERGY INC Equities 65339F101   951,530 16,609 SH   SOLE   16,371 0 238
NIKE INC CL B Equities 654106103   1,896,814 19,837 SH   SOLE   19,837 0 0
NOVARTIS AG ADR Equities 66987V109   114,694 1,126 SH   DFND   1,126 0 0
NOVARTIS AG ADR Equities 66987V109   674,924 6,626 SH   SOLE   6,062 0 564
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105   1,517,598 157,264 SH   SOLE   157,264 0 0
ORACLE CORP Equities 68389X105   105,920 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   503,650 4,755 SH   SOLE   4,755 0 0
PEPSICO INC Equities 713448108   211,122 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108   1,049,003 6,191 SH   SOLE   6,191 0 0
PFIZER INC Equities 717081103   58,611 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103   403,380 12,161 SH   SOLE   12,161 0 0
PHILIP MORRIS INTL INC Equities 718172109   8,888 96 SH   DFND   96 0 0
PHILIP MORRIS INTL INC Equities 718172109   288,757 3,119 SH   SOLE   3,119 0 0
PHILLIPS 66 Equities 718546104   55,269 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104   356,365 2,966 SH   SOLE   2,966 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106   312,250 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109   180,137 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109   2,718,976 18,641 SH   SOLE   18,641 0 0
QUALCOMM INC Equities 747525103   22,212 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103   548,525 4,939 SH   SOLE   4,750 0 189
RAYTHEON TECHS CORP Equities 75513E101   103,709 1,441 SH   DFND   1,441 0 0
RAYTHEON TECHS CORP Equities 75513E101   990,811 13,767 SH   SOLE   13,547 0 220
S&P GLOBAL INC Equities 78409V104   114,373 313 SH   DFND   313 0 0
S&P GLOBAL INC Equities 78409V104   528,383 1,446 SH   SOLE   1,401 0 45
SARATOGA INVESTMENT CORP NEW Equities 80349A208   282,700 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   314,472 4,444 SH   DFND   4,444 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   865,202 12,227 SH   SOLE   12,227 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201   1,443,922 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607   573,418 13,844 SH   SOLE   13,844 0 0
SEMPRA ENERGY Equities 816851109   261,916 3,850 SH   SOLE   3,850 0 0
SPDR PORT INTERMEDIATE TERM COR Fixed Income 78464A375   660,285 20,994 SH   SOLE   20,994 0 0
SPDR S&P 500 (MKT) Equities 78462F103   208,610 488 SH   DFND   488 0 0
SPDR S&P 500 (MKT) Equities 78462F103   63,695 149 SH   SOLE   149 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107   2,052,597 4,495 SH   SOLE   4,495 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   111,803 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   883,394 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109   22,270 244 SH   DFND   244 0 0
STARBUCKS CORP Equities 855244109   704,878 7,723 SH   SOLE   7,344 0 379
SUN LIFE FINANCIAL INC Equities 866796105   326,618 6,693 SH   SOLE   6,693 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109   440,550 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106   22,114 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106   407,893 3,689 SH   SOLE   3,572 0 117
THERMO FISHER SCIENTIFIC INC Equities 883556102   512,750 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   26,654 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   408,847 2,623 SH   SOLE   2,491 0 132
US BANCORP Equities 902973304   508,496 15,381 SH   SOLE   15,381 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844   266,787 1,717 SH   SOLE   1,717 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   1,006,864 23,029 SH   SOLE   23,029 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   31,015 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   608,380 15,515 SH   SOLE   15,515 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736   2,636,318 9,688 SH   SOLE   9,688 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   505,564 4,893 SH   DFND   4,893 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   1,416,821 13,712 SH   SOLE   13,712 0 0
VANGUARD LARGE CAP ETF Equities 922908637   1,224,237 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816   217,824 960 SH   SOLE   960 0 0
VANGUARD REIT ETF (MKT) Equities 922908553   246,349 3,256 SH   SOLE   3,256 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363   392,432 999 SH   SOLE   999 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827   603,933 8,033 SH   SOLE   8,033 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409   204,701 2,724 SH   SOLE   2,724 0 0
VANGUARD TOTAL INTL STOCK IDX F Equities 921909768   567,015 10,595 SH   SOLE   10,595 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   1,630,034 7,674 SH   SOLE   7,674 0 0
VANGUARD VALUE ETF Equities 922908744   90,686 657 SH   DFND   657 0 0
VANGUARD VALUE ETF Equities 922908744   3,074,509 22,292 SH   SOLE   22,292 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   49,620 1,531 SH   DFND   1,531 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   381,077 11,758 SH   SOLE   11,758 0 0
VISA INC CL A Equities 92826C839   777,664 3,381 SH   SOLE   3,381 0 0
WALMART INC Equities 931142103   77,086 482 SH   DFND   482 0 0
WALMART INC Equities 931142103   176,563 1,104 SH   SOLE   1,104 0 0
WELLS FARGO & COMPANY Equities 949746101   151,182 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101   789,129 19,313 SH   SOLE   19,313 0 0
WEYERHAEUSER CO Equities 962166104   35,627 1,162 SH   DFND   1,162 0 0
WEYERHAEUSER CO Equities 962166104   184,328 6,012 SH   SOLE   6,012 0 0
ZOETIS INC Equities 98978V103   38,102 219 SH   DFND   219 0 0
ZOETIS INC Equities 98978V103   359,791 2,068 SH   SOLE   2,068 0 0