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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
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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
ABBOTT LABS Equities 002824100   2,617,054 19,539 SH   SOLE   19,457 0 82
ABBVIE INC. Equities 00287Y109   963,901 4,163 SH   SOLE   4,163 0 0
ACCENTURE PLC Equities G1151C101   1,197,243 4,855 SH   SOLE   4,850 0 5
ADOBE SYSTEMS, INC. Equities 00724F101   1,545,398 4,381 SH   SOLE   4,361 0 20
ADVANCED MICRO DEVICES INC Equities 007903107   291,060 1,799 SH   SOLE   1,715 0 84
AIR PRODUCTS AND CHEMICALS Equities 009158106   618,802 2,269 SH   SOLE   2,251 10 8
ALBEMARLE CORPORATION Equities 012653101   335,347 4,136 SH   SOLE   4,136 0 0
ALLSTATE CORP Equities 020002101   607,030 2,828 SH   SOLE   2,828 0 0
ALPHABET INC CL A Equities 02079K305   7,540,233 31,017 SH   SOLE   30,777 40 200
ALPHABET INC CL C Equities 02079K107   798,600 3,279 SH   SOLE   3,279 0 0
AMAZON.COM INC Equities 023135106   3,899,124 17,758 SH   SOLE   17,667 20 71
AMERICAN ELECTRIC POWER CO. Equities 025537101   606,825 5,394 SH   SOLE   5,364 30 0
AMERICAN EXPRESS CO Equities 025816109   2,753,606 8,290 SH   SOLE   8,210 30 50
AMERICAN WATER WORKS Equities 030420103   325,705 2,340 SH   SOLE   2,340 0 0
AMGEN, INC. Equities 031162100   243,256 862 SH   SOLE   852 10 0
ANALOG DEVICES Equities 032654105   3,035,132 12,353 SH   SOLE   12,323 30 0
APPLE COMPUTER INC Equities 037833100   10,635,895 41,770 SH   SOLE   41,497 55 218
APPLIED INDUSTRIAL Equities 03820C105   522,100 2,000 SH   SOLE   2,000 0 0
ASML HOLDING NV Equities N07059210   1,650,593 1,705 SH   SOLE   1,688 5 12
ASTRAZENECA PLC Equities 046353108   363,499 4,738 SH   SOLE   4,692 30 16
AT&T INC Equities 00206R102   237,075 8,395 SH   SOLE   8,395 0 0
BALL CORP Equities 058498106   333,629 6,617 SH   SOLE   6,592 25 0
BANK OF AMERICA CORP. Equities 060505104   803,669 15,578 SH   SOLE   15,578 0 0
BECTON DICKINSON AND CO Equities 075887109   396,239 2,117 SH   SOLE   2,117 0 0
BRISTOL-MYERS SQUIBB Equities 110122108   236,144 5,236 SH   SOLE   5,236 0 0
CAPITAL ONE FINANCIAL Equities 14040H105   651,558 3,065 SH   SOLE   3,065 0 0
CATERPILLAR INC. Equities 149123101   1,366,080 2,863 SH   SOLE   2,824 10 29
CENCORA INC Equities 03073E105   789,451 2,526 SH   SOLE   2,526 0 0
CENOVUS ENERGY INC Equities 15135U109   246,712 14,521 SH   SOLE   14,521 0 0
CENTERPOINT ENERGY INC Equities 15189T107   263,840 6,800 SH   SOLE   6,800 0 0
CHARLES SCHWAB CO Equities 808513105   1,052,366 11,023 SH   SOLE   10,931 40 52
CHEVRON CORPORATION Equities 166764100   6,212 40 SH   DFND   40 0 0
CHEVRON CORPORATION Equities 166764100   2,040,976 13,143 SH   SOLE   13,128 0 15
COCA COLA CO Equities 191216100   263,821 3,978 SH   SOLE   3,978 0 0
COMCAST CORP CL A Equities 20030N101   531,941 16,930 SH   SOLE   16,786 0 144
CONOCOPHILLIPS Equities 20825C104   957,535 10,123 SH   SOLE   10,097 0 26
COSTCO WHOLESALE Equities 22160K105   6,409,988 6,925 SH   SOLE   6,888 10 27
CUMMINS Equities 231021106   2,947,298 6,978 SH   SOLE   6,968 10 0
DANAHER CORP Equities 235851102   1,375,131 6,936 SH   SOLE   6,916 0 20
DEERE & CO Equities 244199105   1,123,945 2,458 SH   SOLE   2,443 10 5
DEVON ENERGY CORPORATION Equities 25179M103   345,727 9,861 SH   SOLE   9,861 0 0
EATON VANCE TAX/MANAGED GLOBAL Equities 27829F108   136,500 15,000 SH   SOLE   15,000 0 0
ELECTRONIC ARTS INC. Equities 285512109   859,645 4,262 SH   SOLE   4,262 0 0
ELI LILLY & CO. Equities 532457108   369,292 484 SH   SOLE   484 0 0
EMERSON ELEC CO Equities 291011104   402,460 3,068 SH   SOLE   2,968 0 100
ENERGY SELECT SECTOR SPDR Equities 81369Y506   338,777 3,792 SH   SOLE   3,692 0 100
ENTERGY CORP Equities 29364G103   815,413 8,750 SH   SOLE   8,700 50 0
ENTERPRISE PRODUCTS PARTNERS LP Equities 293792107   430,994 13,783 SH   SOLE   13,633 150 0
EOG RESOURCES INC Equities 26875P101   289,382 2,581 SH   SOLE   2,581 0 0
EVEREST RE GROUP LTD Equities G3223R108   378,248 1,080 SH   SOLE   1,080 0 0
EXXON MOBIL CORP. Equities 30231G102   2,668,905 23,671 SH   SOLE   23,567 40 64
FINANCIAL SELECT SECTOR SPDR Equities 81369Y605   1,608,828 29,865 SH   SOLE   29,865 0 0
FIRST INDUSTRIAL REALTY TRUS CO Equities 32054K103   946,122 18,382 SH   SOLE   18,244 0 138
FIRSTENERGY CORP Equities 337932107   301,404 6,578 SH   SOLE   6,578 0 0
FISERV INC Equities 337738108   374,542 2,905 SH   SOLE   2,905 0 0
FLOWSERVE CORP Equities 34354P105   893,655 16,817 SH   SOLE   16,730 0 87
GENERAL DYNAMICS Equities 369550108   1,082,334 3,174 SH   SOLE   3,174 0 0
GOLDMAN SACHS GROUP INC. Equities 38141G104   2,011,580 2,526 SH   SOLE   2,509 5 12
HEWLETT PACKARD ENTERPRISE COMP Equities 42824C109   736,800 30,000 SH   SOLE   30,000 0 0
HOME DEPOT Equities 437076102   4,212,760 10,397 SH   SOLE   10,339 15 43
ILLUMINA INC. Equities 452327109   306,088 3,223 SH   SOLE   3,198 25 0
INTERCONTINENTAL EXCHANGE Equities 45866F104   345,384 2,050 SH   SOLE   2,050 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   1,392,742 4,936 SH   SOLE   4,926 0 10
INTUIT INC Equities 461202103   241,067 353 SH   SOLE   328 0 25
INTUITIVE SURGICAL INC Equities 46120E602   638,197 1,427 SH   SOLE   1,402 10 15
ISHARES SILVER TRUST ETF Equities 46428Q109   1,224,069 28,890 SH   SOLE   28,890 0 0
ISHARES: Core MSCI Emerging Mar Equities 46434G103   21,754 330 SH   DFND   330 0 0
ISHARES: Core MSCI Emerging Mar Equities 46434G103   8,740,003 132,585 SH   SOLE   132,053 250 282
ISHARES: MSCI EAFE INDEX FUND Equities 464287465   252,099 2,700 SH   SOLE   2,700 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   17,262 225 SH   DFND   225 0 0
ISHARES: MSCI EAFE SMALL CAP Equities 464288273   7,546,409 98,363 SH   SOLE   97,956 200 207
ISHARES: RUSSELL 1000 GROWTH Equities 464287614   475,436 1,015 SH   SOLE   1,015 0 0
ISHARES: S&P 500 GROWTH INDEX Equities 464287309   1,151,910 9,542 SH   SOLE   9,542 0 0
ISHARES: S&P 500 INDEX Equities 464287200   324,611 485 SH   DFND   485 0 0
ISHARES: S&P 500 INDEX Equities 464287200   64,126,302 95,811 SH   SOLE   95,565 0 246
ISHARES: S&P 500 VALUE INDEX Equities 464287408   29,944 145 SH   DFND   145 0 0
ISHARES: S&P 500 VALUE INDEX Equities 464287408   11,890,433 57,578 SH   SOLE   57,498 0 80
ISHARES: S&P CA MUNI BOND FUND Equities 464288356   2,754,005 48,282 SH   SOLE   48,282 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   1,297 10 SH   DFND   10 0 0
ISHARES: S&P MID CAP VALUE INDE Equities 464287705   1,025,307 7,904 SH   SOLE   7,904 0 0
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   85,491 1,310 SH   DFND   1,310 0 0
ISHARES: S&P MIDCAP 400 INDEX Equities 464287507   46,392,290 710,884 SH   SOLE   709,270 800 814
ISHARES: S&P MIDCAP GROWTH Equities 464287606   1,147,324 11,965 SH   SOLE   11,965 0 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   23,766 200 SH   DFND   200 0 0
ISHARES: S&P SMALLCAP 600 INDEX Equities 464287804   17,850,048 150,215 SH   SOLE   149,678 275 262
iShares: Select US REIT ETF Equities 464287564   7,456 121 SH   DFND   121 0 0
iShares: Select US REIT ETF Equities 464287564   1,084,081 17,593 SH   SOLE   17,573 0 20
ISHARES: US PFD STOCK INDEX Equities 464288687   22,861 723 SH   DFND   723 0 0
ISHARES: US PFD STOCK INDEX Equities 464288687   4,959,660 156,852 SH   SOLE   156,211 80 561
JOHNSON & JOHNSON Equities 478160104   7,417 40 SH   DFND   40 0 0
JOHNSON & JOHNSON Equities 478160104   761,335 4,106 SH   SOLE   4,106 0 0
JP MORGAN CHASE & CO. Equities 46625H100   7,303,782 23,155 SH   SOLE   23,025 50 80
KINDER MORGAN INC Equities 49456B101   557,962 19,709 SH   SOLE   19,709 0 0
KLA CORP Equities 482480100   4,390,981 4,071 SH   SOLE   4,041 10 20
KRAFT HEINZ CO Equities 500754106   229,282 8,805 SH   SOLE   8,805 0 0
LOCKHEED MARTIN CORP. Equities 539830109   799,235 1,601 SH   SOLE   1,577 20 4
LOWES COMPANIES INC. Equities 548661107   492,819 1,961 SH   SOLE   1,961 0 0
MCKESSON HBOC INC. Equities 58155Q103   1,260,013 1,631 SH   SOLE   1,631 0 0
MEDTRONIC PLC Equities G5960L103   666,394 6,997 SH   SOLE   6,922 75 0
MERCK Equities 58933Y105   528,088 6,292 SH   SOLE   6,292 0 0
META PLATFORMS INC Equities 30303M102   3,303,241 4,498 SH   SOLE   4,464 22 12
MICRON TECHNOLOGY INC Equities 595112103   3,076,346 18,386 SH   SOLE   18,296 90 0
MICROSOFT CORP. Equities 594918104   8,909,258 17,201 SH   SOLE   17,071 20 110
MOLSON COORS BREWING COMPANY Equities 60871R209   340,371 7,522 SH   SOLE   7,522 0 0
MORGAN STANLEY Equities 617446448   1,222,879 7,693 SH   SOLE   7,607 0 86
NETFLIX INC COM Equities 64110L106   3,219,100 2,685 SH   SOLE   2,671 0 14
NEXTERA ENERGY, INC. Equities 65339F101   861,416 11,411 SH   SOLE   11,341 0 70
NIKE INC. Equities 654106103   252,423 3,620 SH   SOLE   3,620 0 0
NORTHROP GRUMMAN Equities 666807102   859,141 1,410 SH   SOLE   1,410 0 0
NOVO NORDISK A-S Equities 670100205   298,203 5,374 SH   SOLE   5,239 0 135
ORACLE CORP Equities 68389X105   3,536,312 12,574 SH   SOLE   12,483 35 56
PALO ALTO NETWORKS INC Equities 697435105   916,290 4,500 SH   SOLE   4,446 20 34
PARKER HANNIFIN CORP Equities 701094104   4,500,378 5,936 SH   SOLE   5,936 0 0
PEPSICO INC Equities 713448108   356,577 2,539 SH   SOLE   2,539 0 0
PLAINS ALL AMERICAN PIPELINE LP Equities 726503105   210,913 12,363 SH   SOLE   12,363 0 0
PNC FINANCIAL SERVICES GROUP Equities 693475105   1,007,262 5,013 SH   SOLE   4,979 20 14
PPG IND INC Equities 693506107   467,529 4,448 SH   SOLE   4,448 0 0
PROCTER & GAMBLE COMPANY Equities 742718109   205,276 1,336 SH   SOLE   1,336 0 0
PROGRESSIVE CORP Equities 743315103   2,429,247 9,837 SH   SOLE   9,799 30 8
QUALCOMM INC. Equities 747525103   1,942,253 11,675 SH   SOLE   11,630 45 0
S&P GLOBAL Equities 78409V104   329,989 678 SH   SOLE   678 0 0
SALESFORCE.COM Equities 79466L302   316,632 1,336 SH   SOLE   1,316 10 10
SANOFI SA Equities 80105N105   315,202 6,678 SH   SOLE   6,596 60 22
SCHLUMBERGER LTD Equities 806857108   419,314 12,200 SH   SOLE   12,200 0 0
SEMPRA ENERGY INC. Equities 816851109   255,543 2,840 SH   SOLE   2,840 0 0
SKYWORKS SOLUTIONS INC Equities 83088M102   374,816 4,869 SH   SOLE   4,834 0 35
SOUTHERN CO Equities 842587107   224,605 2,370 SH   SOLE   2,370 0 0
SPDR BARCLAY'S CONVERTIBLE Equities 78464A359   425,350 4,700 SH   SOLE   4,700 0 0
STANDARD & POORS DEP. RECEIPTS Equities 78462F103   1,386,987 2,082 SH   SOLE   2,082 0 0
STRYKER CORP Equities 863667101   1,541,894 4,171 SH   SOLE   4,171 0 0
TAIWAN SEMICONDUCTOR ADR Equities 874039100   868,313 3,109 SH   SOLE   3,049 0 60
TECHNOLOGY SELECT SECTOR SPDR Equities 81369Y803   232,535 825 SH   SOLE   825 0 0
TMOBILE US Equities 872590104   925,922 3,868 SH   SOLE   3,815 40 13
TOYOTA MOTOR CORPORATION Equities 892331307   800,094 4,187 SH   SOLE   4,187 0 0
TRAVELERS COMPANIES INC Equities 89417E109   810,017 2,901 SH   SOLE   2,901 0 0
U.S. BANCORP Equities 902973304   733,698 15,181 SH   SOLE   15,071 60 50
UNION PAC CORP Equities 907818108   304,445 1,288 SH   SOLE   1,288 0 0
UNITED HEALTH GROUP Equities 91324P102   637,424 1,846 SH   SOLE   1,846 0 0
VANGUARD INDEX FDS GROWTH ETF Equities 922908736   393,280 820 SH   SOLE   820 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   112,450 1,440 SH   DFND   1,440 0 0
VANGUARD INTERM-TERM BOND ETF Equities 921937819   6,804,528 87,137 SH   SOLE   86,729 0 408
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   2,732,672 8,327 SH   SOLE   8,115 0 212
VENTAS INC Equities 92276F100   212,070 3,030 SH   SOLE   3,030 0 0
VERIZON COMMUNICATIONS Equities 92343V104   215,003 4,892 SH   SOLE   4,892 0 0
VISA INC Equities 92826C839   4,509,288 13,209 SH   SOLE   13,126 25 58
WAL MART STORES, INC Equities 931142103   4,124,873 40,024 SH   SOLE   39,739 60 225
WALT DISNEY COMPANY Equities 254687106   997,753 8,714 SH   SOLE   8,692 0 22
WASTE MANAGEMENT INC. Equities 94106L109   369,007 1,671 SH   SOLE   1,671 0 0
WATERS CORP. Equities 941848103   634,998 2,118 SH   SOLE   2,118 0 0
WEC ENERGY GROUP INC Equities 92939U106   341,707 2,982 SH   SOLE   2,982 0 0
WELLS FARGO & CO. Equities 949746101   4,794,001 57,194 SH   SOLE   57,194 0 0
WILLIAMS-SONOMA INC Equities 969904101   2,897,546 14,825 SH   SOLE   14,731 40 54