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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Com 002824100 393 3,613 SH   SOLE 0 3,613 0 0
Abbvie Inc Com 00287Y109 9,767 63,770 SH   SOLE 0 63,770 0 0
Abbvie Inc Com 00287Y109 18 117 SH   DFND 0 117 0 0
Alphabet Inc Class A Com 02079K305 5,235 2,402 SH   SOLE 0 2,402 0 0
Alphabet Inc Class A Com 02079K305 4 2 SH   DFND 0 2 0 0
Amazon Inc Com 023135106 4,603 43,340 SH   SOLE 0 43,340 0 0
Amazon Inc Com 023135106 11 100 SH   DFND 0 100 0 0
American Tower Corp REIT Com 03027X100 4,024 15,744 SH   SOLE 0 15,744 0 0
American Tower Corp REIT Com 03027X100 9 36 SH   DFND 0 36 0 0
Amgen Inc Com 031162100 2,712 11,145 SH   SOLE 0 11,145 0 0
Amgen Inc Com 031162100 5 20 SH   DFND 0 20 0 0
Apple Inc Com 037833100 12,475 91,247 SH   SOLE 0 91,247 0 0
Apple Inc Com 037833100 9 64 SH   DFND 0 64 0 0
Berkshire Hathaway Inc Cl A Com 084670108 2,863 7 SH   SOLE 0 7 0 0
Berkshire Hathaway Inc Cl B Com 084670702 5,428 19,882 SH   SOLE 0 19,832 0 50
Best Buy Co Inc Com 086516101 1,108 16,995 SH   SOLE 0 16,995 0 0
Best Buy Co Inc Com 086516101 1 23 SH   DFND 0 23 0 0
BlackRock Inc Com 09247X101 2,434 3,997 SH   SOLE 0 3,997 0 0
BlackRock Inc Com 09247X101 3 5 SH   DFND 0 5 0 0
BlackRock Enhanced Equity Dividend Trust Com 09251A104 165 18,667 SH   SOLE 0 18,667 0 0
Boeing Co Com 097023105 227 1,660 SH   SOLE 0 1,660 0 0
Bristol-Myers Squibb Corp Com 110122108 5,005 64,999 SH   SOLE 0 64,999 0 0
Bristol-Myers Squibb Corp Com 110122108 8 100 SH   DFND 0 100 0 0
CVS Health Corporation Com 126650100 3,673 39,641 SH   SOLE 0 39,641 0 0
CVS Health Corporation Com 126650100 8 86 SH   DFND 0 86 0 0
Cardinal Health Inc Com 14149Y108 1,688 32,288 SH   SOLE 0 32,288 0 0
Cardinal Health Inc Com 14149Y108 3 61 SH   DFND 0 61 0 0
Caterpillar Inc Com 149123101 2,707 15,144 SH   SOLE 0 15,144 0 0
Caterpillar Inc Com 149123101 3 19 SH   DFND 0 19 0 0
Chemed Corp Com 16359R103 587 1,250 SH   SOLE 0 1,250 0 0
Chevron Corp Com 166764100 8,624 59,564 SH   SOLE 0 59,564 0 0
Chevron Corp Com 166764100 14 96 SH   DFND 0 96 0 0
Cisco Systems Inc Com 17275R102 6,702 157,183 SH   SOLE 0 157,183 0 0
Cisco Systems Inc Com 17275R102 5 127 SH   DFND 0 127 0 0
Cognizant Technology Solutions Cl A Com 192446102 2,513 37,236 SH   SOLE 0 37,236 0 0
Cognizant Technology Solutions Cl A Com 192446102 5 70 SH   DFND 0 70 0 0
Comcast Corp New Cl A Com 20030N101 2,666 67,942 SH   SOLE 0 67,942 0 0
Comcast Corp New Cl A Com 20030N101 4 100 SH   DFND 0 100 0 0
ConocoPhillips Com 20825C104 201 2,240 SH   SOLE 0 2,240 0 0
Consolidated Edison Inc Com 209115104 530 5,569 SH   SOLE 0 5,569 0 0
Digital Realty Trust Inc Com 253868103 3,768 29,021 SH   SOLE 0 29,021 0 0
Digital Realty Trust Inc Com 253868103 19 145 SH   DFND 0 145 0 0
Walt Disney Company Com 254687106 2,276 24,105 SH   SOLE 0 24,105 0 0
Walt Disney Company Com 254687106 3 30 SH   DFND 0 30 0 0
Dollar Tree Inc Com 256746108 5,073 32,553 SH   SOLE 0 32,553 0 0
Dow Inc Com 260557103 5,143 99,656 SH   SOLE 0 99,656 0 0
Dow Inc Com 260557103 8 153 SH   DFND 0 153 0 0
Duke Energy Corp Com 26441C204 3,446 32,147 SH   SOLE 0 32,147 0 0
Duke Energy Corp Com 26441C204 18 169 SH   DFND 0 169 0 0
EOG Resources Inc Com 26875P101 2,212 20,033 SH   SOLE 0 20,033 0 0
EOG Resources Inc Com 26875P101 4 40 SH   DFND 0 40 0 0
eBay Inc Com 278642103 1,711 41,070 SH   SOLE 0 41,070 0 0
Ecolab Inc Com 278865100 2,053 13,354 SH   SOLE 0 13,354 0 0
Ecolab Inc Com 278865100 3 20 SH   DFND 0 20 0 0
Emerson Electric Co Com 291011104 7,140 89,762 SH   SOLE 0 89,762 0 0
Emerson Electric Co Com 291011104 14 172 SH   DFND 0 172 0 0
Exelon Corp Com 30161N101 2,622 57,846 SH   SOLE 0 57,846 0 0
Exelon Corp Com 30161N101 7 152 SH   DFND 0 152 0 0
Exxon Mobil Corp Com 30231G102 5,424 63,334 SH   SOLE 0 63,334 0 0
Exxon Mobil Corp Com 30231G102 7 82 SH   DFND 0 82 0 0
Meta Platforms Inc Com 30303M102 2,426 15,046 SH   SOLE 0 15,046 0 0
Meta Platforms Inc Com 30303M102 2 10 SH   DFND 0 10 0 0
Gilead Sciences Inc Com 375558103 2,603 42,111 SH   SOLE 0 42,111 0 0
Gilead Sciences Inc Com 375558103 5 81 SH   DFND 0 81 0 0
The Hershey Company Com 427866108 522 2,426 SH   SOLE 0 2,426 0 0
Home Depot Inc Com 437076102 242 883 SH   SOLE 0 883 0 0
Honeywell Intl Inc Com 438516106 277 1,592 SH   SOLE 0 1,592 0 0
ING Groep NV ADR Com 456837103 778 78,403 SH   SOLE 0 78,403 0 0
Intel Corp Com 458140100 3,782 101,084 SH   SOLE 0 101,084 0 0
Intel Corp Com 458140100 5 132 SH   DFND 0 132 0 0
Intercontinental Exchange Inc Com 45866F104 2,757 29,312 SH   SOLE 0 29,312 0 0
Intercontinental Exchange Inc Com 45866F104 3 30 SH   DFND 0 30 0 0
IBM Corp Com 459200101 3,220 22,807 SH   SOLE 0 22,807 0 0
IBM Corp Com 459200101 5 32 SH   DFND 0 32 0 0
Invesco QQQ Trust Com 46090E103 761 2,716 SH   SOLE 0 2,716 0 0
Invesco Preferred ETF Com 46138E511 15,012 1,216,519 SH   SOLE 0 1,213,270 3,249 0
Invesco Preferred ETF Com 46138E511 70 5,712 SH   DFND 0 5,712 0 0
Invesco BulletShares 2027 Corporate Bond ETF Com 46138J783 1,147 59,235 SH   SOLE 0 59,235 0 0
Invesco BulletShares 2026 Corporate Bond ETF Com 46138J791 888 46,089 SH   SOLE 0 46,089 0 0
Invesco BulletShares 2025 Corporate Bond ETF Com 46138J825 365 17,855 SH   SOLE 0 17,855 0 0
Invesco BulletShares 2024 Corporate Bond ETF Com 46138J841 1,140 54,981 SH   SOLE 0 54,981 0 0
Invesco BulletShares 2023 Corporate Bond ETF Com 46138J866 381 18,203 SH   SOLE 0 18,203 0 0
iShares Core S&P 500 ETF Com 464287200 754 1,989 SH   SOLE 0 1,989 0 0
iShares Core U.S. Agg Bond ETF Com 464287226 1,048 10,310 SH   SOLE 0 10,310 0 0
iShares Core S&P Mid-Cap 400 Index ETF Com 464287507 15,049 66,523 SH   SOLE 0 66,523 0 0
iShares Russell 2000 Index ETF Com 464287655 281 1,662 SH   SOLE 0 1,662 0 0
iShares Core S&P Small-Cap 600 ETF Com 464287804 7,483 80,972 SH   SOLE 0 80,972 0 0
Ishares Dow Jones US Health Care Prov Index Com 464288828 511 2,000 SH   SOLE 0 2,000 0 0
iShares Tr MSCI USA Minimum Volatility ETF Com 46429B697 1,304 18,570 SH   SOLE 0 18,570 0 0
iShares Core MSCI EAFE ETF Com 46432F842 9,407 159,850 SH   SOLE 0 159,850 0 0
iShares Core MSCI Emerging Mkts ETF Com 46434G103 4,366 88,999 SH   SOLE 0 88,999 0 0
iShares iBonds 2028 Term Corp ETF Com 46435U515 840 33,670 SH   SOLE 0 33,670 0 0
iShares iBonds 2029 Term Corp ETF Com 46436E205 1,104 48,321 SH   SOLE 0 48,321 0 0
iShares iBonds 2031 Term Corp ETF Com 46436E486 255 12,265 SH   SOLE 0 12,265 0 0
iShares iBonds 2030 Term Corp ETF Com 46436E726 520 24,312 SH   SOLE 0 24,312 0 0
JP Morgan Chase & Co Com 46625H100 8,067 71,641 SH   SOLE 0 71,641 0 0
JP Morgan Chase & Co Com 46625H100 10 90 SH   DFND 0 90 0 0
Johnson & Johnson Com 478160104 7,479 42,134 SH   SOLE 0 42,134 0 0
Johnson & Johnson Com 478160104 4 20 SH   DFND 0 20 0 0
Eli Lilly & Co Com 532457108 449 1,386 SH   SOLE 0 1,386 0 0
Lowes Companies Inc Com 548661107 3,155 18,063 SH   SOLE 0 18,063 0 0
Lowes Companies Inc Com 548661107 5 28 SH   DFND 0 28 0 0
Masco Corp Com 574599106 3,534 69,844 SH   SOLE 0 69,844 0 0
McDonalds Corp Com 580135101 4,540 18,391 SH   SOLE 0 18,391 0 0
McDonalds Corp Com 580135101 14 58 SH   DFND 0 58 0 0
Merck & Co Inc Com 58933Y105 3,557 39,016 SH   SOLE 0 39,016 0 0
Merck & Co Inc Com 58933Y105 5 53 SH   DFND 0 53 0 0
MetLife Inc Com 59156R108 3,806 60,622 SH   SOLE 0 60,622 0 0
MetLife Inc Com 59156R108 7 110 SH   DFND 0 110 0 0
Microsoft Corp Com 594918104 12,620 49,139 SH   SOLE 0 49,139 0 0
Microsoft Corp Com 594918104 4 17 SH   DFND 0 17 0 0
Morgan Stanley Com 617446448 4,749 62,433 SH   SOLE 0 62,433 0 0
Morgan Stanley Com 617446448 6 81 SH   DFND 0 81 0 0
Oracle Corp Com 68389X105 3,571 51,108 SH   SOLE 0 51,108 0 0
Otter Tail Corporation Com 689648103 456 6,796 SH   SOLE 0 6,796 0 0
Pepsico Inc Com 713448108 8,182 49,092 SH   SOLE 0 49,092 0 0
Pepsico Inc Com 713448108 7 40 SH   DFND 0 40 0 0
Pfizer Inc Com 717081103 10,476 199,803 SH   SOLE 0 199,803 0 0
Pfizer Inc Com 717081103 20 390 SH   DFND 0 390 0 0
Principal Financial Group Com 74251V102 4,072 60,969 SH   SOLE 0 60,969 0 0
Principal Financial Group Com 74251V102 4 59 SH   DFND 0 59 0 0
Procter & Gamble Co Com 742718109 8,114 56,430 SH   SOLE 0 56,430 0 0
Procter & Gamble Co Com 742718109 21 143 SH   DFND 0 143 0 0
Prudential Financial Com 744320102 5,943 62,110 SH   SOLE 0 62,110 0 0
Prudential Financial Com 744320102 10 102 SH   DFND 0 102 0 0
QCR Holdings Inc Com 74727A104 446 8,260 SH   SOLE 0 8,260 0 0
QUALCOMM Inc Com 747525103 2,725 21,336 SH   SOLE 0 21,336 0 0
QUALCOMM Inc Com 747525103 11 90 SH   DFND 0 90 0 0
SPDR S&P 500 ETF Com 78462F103 3,610 9,569 SH   SOLE 0 9,569 0 0
SPDR Gold Shares Com 78463V107 229 1,357 SH   SOLE 0 1,357 0 0
SPDR MSCI ACWI ex-US ETF Com 78463X848 9,385 394,658 SH   SOLE 0 394,658 0 0
SPDR S&P 500 Growth ETF Com 78464A409 2,285 43,714 SH   SOLE 0 43,714 0 0
SPDR Dow Jones Industrial Average Com 78467X109 4,577 14,870 SH   SOLE 0 14,870 0 0
SPDR SSGA US Low Volatility Index ETF Com 78468R804 394 3,008 SH   SOLE 0 3,008 0 0
Salesforce Inc Com 79466L302 3,853 23,343 SH   SOLE 0 23,343 0 0
Salesforce Inc Com 79466L302 8 50 SH   DFND 0 50 0 0
Health Care Select Sector SPDR ETF Com 81369Y209 256 2,000 SH   SOLE 0 2,000 0 0
Energy Select Sector SPDR ETF Com 81369Y506 292 4,079 SH   SOLE 0 4,079 0 0
Skyworks Solutions Com 83088M102 1,364 14,729 SH   SOLE 0 14,729 0 0
Southern Co Com 842587107 211 2,965 SH   SOLE 0 2,965 0 0
Starbucks Corporation Com 855244109 2,285 29,913 SH   SOLE 0 29,913 0 0
Starbucks Corporation Com 855244109 2 20 SH   DFND 0 20 0 0
Sysco Corp Com 871829107 3,978 46,959 SH   SOLE 0 46,959 0 0
Sysco Corp Com 871829107 6 67 SH   DFND 0 67 0 0
Target Corp Com 87612E106 276 1,951 SH   SOLE 0 1,951 0 0
Truist Financial Corp Com 89832Q109 2,706 57,055 SH   SOLE 0 57,055 0 0
Truist Financial Corp Com 89832Q109 5 99 SH   DFND 0 99 0 0
Twitter Inc Com 90184L102 2,135 57,095 SH   SOLE 0 57,095 0 0
Twitter Inc Com 90184L102 5 125 SH   DFND 0 125 0 0
US Bancorp Com 902973304 220 4,788 SH   SOLE 0 4,788 0 0
United Parcel Service Com 911312106 15,456 84,674 SH   SOLE 0 73,774 0 10,900
United Parcel Service Com 911312106 25 137 SH   DFND 0 137 0 0
Vanguard Russell 2000 Index Fund Instl Com 92206C656 5,759 22,002 SH   SOLE 0 21,991 12 0
Vanguard Russell 2000 Index Fund Instl Com 92206C656 1 4 SH   DFND 0 4 0 0
Vanguard Total Stock Market Com 922908769 206 1,093 SH   SOLE 0 1,093 0 0
Paramount Global Class B Com 92556H206 2,150 87,099 SH   SOLE 0 87,099 0 0
Paramount Global Class B Com 92556H206 2 98 SH   DFND 0 98 0 0
Visa Inc Com 92826C839 3,770 19,149 SH   SOLE 0 19,149 0 0
Visa Inc Com 92826C839 5 25 SH   DFND 0 25 0 0
Wal-Mart Stores Inc Com 931142103 341 2,805 SH   SOLE 0 2,805 0 0
Walgreens Boots Alliance Inc Com 931427108 1,869 49,327 SH   SOLE 0 49,327 0 0
Walgreens Boots Alliance Inc Com 931427108 3 78 SH   DFND 0 78 0 0
Wells Fargo & Co Com 949746101 469 11,972 SH   SOLE 0 11,972 0 0
Yum Brands Inc Com 988498101 2,088 18,395 SH   SOLE 0 18,395 0 0
Eaton Corp PLC Com G29183103 3,893 30,898 SH   SOLE 0 30,898 0 0
Eaton Corp PLC Com G29183103 18 143 SH   DFND 0 143 0 0