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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,215,798 7,215 SH   SOLE   6,715 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   153,555 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   648,633 1,742 SH   SOLE   1,742 0 0
AFLAC INC COM 001055102   436,554 5,688 SH   SOLE   5,688 0 0
AFLAC INC COM 001055102   34,921 455 SH   OTR   455 0 0
AT&T INC COM 00206R102   357,025 23,770 SH   SOLE   23,770 0 0
AT&T INC COM 00206R102   48,815 3,250 SH   OTR   3,250 0 0
ABBOTT LABS COM 002824100   759,691 7,844 SH   SOLE   7,844 0 0
ABBOTT LABS COM 002824100   46,003 475 SH   OTR   475 0 0
ABBVIE INC COM 00287Y109   2,157,494 14,474 SH   SOLE   14,474 0 0
ABBVIE INC COM 00287Y109   96,739 649 SH   OTR   649 0 0
ADOBE INC COM 00724F101   568,538 1,115 SH   SOLE   1,115 0 0
ADOBE INC COM 00724F101   25,495 50 SH   OTR   50 0 0
AIR PRODS & CHEMS INC COM 009158106   604,208 2,132 SH   SOLE   2,132 0 0
AIR PRODS & CHEMS INC COM 009158106   24,939 88 SH   OTR   88 0 0
ALLIANT ENERGY CORP COM 018802108   188,955 3,900 SH   SOLE   3,900 0 0
ALLIANT ENERGY CORP COM 018802108   14,535 300 SH   OTR   300 0 0
ALPHABET INC CAP STK CL C 02079K107   293,366 2,225 SH   SOLE   2,225 0 0
ALPHABET INC CAP STK CL A 02079K305   3,818,233 29,178 SH   SOLE   29,178 0 0
ALPHABET INC CAP STK CL A 02079K305   143,946 1,100 SH   OTR   1,100 0 0
AMAZON COM INC COM 023135106   3,045,159 23,955 SH   SOLE   23,955 0 0
AMAZON COM INC COM 023135106   50,848 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,109,376 7,436 SH   SOLE   7,436 0 0
AMERIPRISE FINL INC COM 03076C106   267,040 810 SH   SOLE   810 0 0
AMERIPRISE FINL INC COM 03076C106   13,187 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   980,436 3,648 SH   SOLE   3,348 0 300
AMGEN INC COM 031162100   114,223 425 SH   OTR   425 0 0
APPLE INC COM 037833100   8,659,973 50,581 SH   SOLE   50,581 0 0
APPLE INC COM 037833100   215,724 1,260 SH   OTR   1,260 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   166,481 692 SH   SOLE   692 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   81,797 340 SH   OTR   340 0 0
AUTONATION INC COM 05329W102   255,260 1,686 SH   SOLE   1,686 0 0
AUTONATION INC COM 05329W102   16,956 112 SH   OTR   112 0 0
AUTOZONE INC COM 053332102   327,658 129 SH   SOLE   129 0 0
AUTOZONE INC COM 053332102   20,319 8 SH   OTR   8 0 0
BANK AMERICA CORP COM 060505104   820,770 29,977 SH   SOLE   29,577 0 400
BANK AMERICA CORP COM 060505104   34,909 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,284,306 6,521 SH   SOLE   6,521 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   316,320 903 SH   OTR   903 0 0
BLACKROCK INC COM 09247X101   801,647 1,240 SH   SOLE   1,240 0 0
BLACKROCK INC COM 09247X101   54,305 84 SH   OTR   84 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,078,480 18,581 SH   SOLE   18,581 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   124,205 2,140 SH   OTR   2,140 0 0
BROADCOM INC COM 11135F101   1,714,317 2,064 SH   SOLE   2,064 0 0
CME GROUP INC COM 12572Q105   171,788 858 SH   SOLE   858 0 0
CME GROUP INC COM 12572Q105   45,049 225 SH   OTR   225 0 0
CVS HEALTH CORP COM 126650100   215,185 3,082 SH   SOLE   3,082 0 0
CHEVRON CORP NEW COM 166764100   2,922,184 17,330 SH   SOLE   17,330 0 0
CHEVRON CORP NEW COM 166764100   83,466 495 SH   OTR   495 0 0
CISCO SYS INC COM 17275R102   1,111,777 20,680 SH   SOLE   18,830 0 1,850
CISCO SYS INC COM 17275R102   100,262 1,865 SH   OTR   1,865 0 0
CINTAS CORP COM 172908105   259,745 540 SH   SOLE   540 0 0
COCA COLA CO COM 191216100   1,155,091 20,634 SH   SOLE   20,634 0 0
COCA COLA CO COM 191216100   47,583 850 SH   OTR   850 0 0
COLGATE PALMOLIVE CO COM 194162103   330,163 4,643 SH   SOLE   4,643 0 0
COLGATE PALMOLIVE CO COM 194162103   31,999 450 SH   OTR   450 0 0
COMCAST CORP NEW CL A 20030N101   374,584 8,448 SH   SOLE   8,448 0 0
COMCAST CORP NEW CL A 20030N101   6,739 152 SH   OTR   152 0 0
CONOCOPHILLIPS COM 20825C104   908,802 7,586 SH   SOLE   7,586 0 0
CORTEVA INC COM 22052L104   526,487 10,291 SH   SOLE   10,291 0 0
COSTCO WHSL CORP NEW COM 22160K105   347,450 615 SH   SOLE   615 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   1,865,370 53,449 SH   SOLE   53,174 275 0
DBX ETF TR XTRACK MSCI EAFE 233051200   5,409 155 SH   OTR   155 0 0
DISNEY WALT CO COM 254687106   881,499 10,876 SH   SOLE   10,876 0 0
DISNEY WALT CO COM 254687106   8,105 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   383,238 8,579 SH   SOLE   8,579 0 0
DOMINION ENERGY INC COM 25746U109   17,197 385 SH   OTR   385 0 0
DOW INC COM 260557103   280,847 5,447 SH   SOLE   5,447 0 0
DUPONT DE NEMOURS INC COM 26614N102   311,264 4,173 SH   SOLE   4,173 0 0
EMERSON ELEC CO COM 291011104   224,525 2,325 SH   SOLE   2,325 0 0
EXXON MOBIL CORP COM 30231G102   1,360,618 11,571 SH   SOLE   11,371 0 200
EXXON MOBIL CORP COM 30231G102   318,641 2,710 SH   OTR   2,710 0 0
META PLATFORMS INC CL A 30303M102   1,815,670 6,048 SH   SOLE   6,048 0 0
META PLATFORMS INC CL A 30303M102   24,016 80 SH   OTR   80 0 0
FISERV INC COM 337738108   554,972 4,913 SH   SOLE   4,913 0 0
FISERV INC COM 337738108   12,425 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   2,042,485 89,036 SH   SOLE   88,211 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   22,825 995 SH   OTR   995 0 0
GENERAL DYNAMICS CORP COM 369550108   589,106 2,666 SH   SOLE   2,266 0 400
GENERAL DYNAMICS CORP COM 369550108   286,598 1,297 SH   OTR   1,297 0 0
GILEAD SCIENCES INC COM 375558103   349,670 4,666 SH   SOLE   4,666 0 0
HESS CORP COM 42809H107   212,058 1,386 SH   SOLE   1,386 0 0
HOME DEPOT INC COM 437076102   1,953,766 6,466 SH   SOLE   5,966 0 500
HOME DEPOT INC COM 437076102   320,289 1,060 SH   OTR   1,060 0 0
HONEYWELL INTL INC COM 438516106   998,519 5,405 SH   SOLE   5,405 0 0
HONEYWELL INTL INC COM 438516106   27,711 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   269,462 1,170 SH   SOLE   455 0 715
ILLINOIS TOOL WKS INC COM 452308109   164,671 715 SH   OTR   715 0 0
INTEL CORP COM 458140100   315,648 8,879 SH   SOLE   8,879 0 0
INTEL CORP COM 458140100   14,220 400 SH   OTR   400 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   466,374 4,239 SH   SOLE   4,239 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   297,997 2,124 SH   SOLE   2,124 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   47,000 335 SH   OTR   335 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   505,369 1,729 SH   SOLE   1,729 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   21,921 75 SH   OTR   75 0 0
ISHARES TR CORE S&P500 ETF 464287200   431,147 1,004 SH   SOLE   1,004 0 0
ISHARES TR CORE US AGGBD ET 464287226   11,966,025 127,244 SH   SOLE   126,994 250 0
ISHARES TR CORE US AGGBD ET 464287226   316,444 3,365 SH   OTR   3,365 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   679,001 17,892 SH   SOLE   17,892 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   21,821 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,017,241 58,981 SH   SOLE   58,761 220 0
ISHARES TR IBOXX INV CP ETF 464287242   118,853 1,165 SH   OTR   1,165 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   226,128 3,305 SH   SOLE   3,305 0 0
ISHARES TR S&P 500 VAL ETF 464287408   224,606 1,460 SH   SOLE   1,460 0 0
ISHARES TR MSCI EAFE ETF 464287465   4,755,204 68,996 SH   SOLE   68,776 110 110
ISHARES TR MSCI EAFE ETF 464287465   359,004 5,209 SH   OTR   5,209 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,363,650 63,013 SH   SOLE   62,905 60 48
ISHARES TR RUS MID CAP ETF 464287499   155,397 2,244 SH   OTR   2,244 0 0
ISHARES TR US CONSUM DISCRE 464287580   202,992 3,032 SH   SOLE   3,032 0 0
ISHARES TR US CONSUM DISCRE 464287580   135,908 2,030 SH   OTR   2,030 0 0
ISHARES TR RUS 1000 ETF 464287622   287,764 1,225 SH   SOLE   1,225 0 0
ISHARES TR RUS 1000 ETF 464287622   112,991 481 SH   OTR   481 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,482,136 14,044 SH   SOLE   14,024 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   154,647 875 SH   OTR   875 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,108,675 16,766 SH   SOLE   16,766 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   698,175 2,849 SH   OTR   2,849 0 0
ISHARES TR U.S. TECH ETF 464287721   329,343 3,139 SH   SOLE   3,139 0 0
ISHARES TR U.S. TECH ETF 464287721   125,904 1,200 SH   OTR   1,200 0 0
ISHARES TR US INDUSTRIALS 464287754   226,397 2,244 SH   SOLE   2,244 0 0
ISHARES TR US INDUSTRIALS 464287754   49,637 492 SH   OTR   492 0 0
ISHARES TR U.S. FINLS ETF 464287788   805,912 10,780 SH   SOLE   10,780 0 0
ISHARES TR U.S. FINLS ETF 464287788   95,991 1,284 SH   OTR   1,284 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   621,274 6,040 SH   SOLE   6,040 0 0
ISHARES TR IBOXX HI YD ETF 464288513   509,700 6,914 SH   SOLE   6,914 0 0
ISHARES TR IBOXX HI YD ETF 464288513   12,163 165 SH   OTR   165 0 0
ISHARES TR MBS ETF 464288588   323,409 3,642 SH   SOLE   3,642 0 0
ISHARES TR BROAD USD HIGH 46435U853   3,789,290 109,170 SH   SOLE   109,030 140 0
ISHARES TR BROAD USD HIGH 46435U853   203,574 5,865 SH   OTR   5,865 0 0
JPMORGAN CHASE & CO COM 46625H100   1,591,449 10,974 SH   SOLE   10,952 0 22
JPMORGAN CHASE & CO COM 46625H100   130,082 897 SH   OTR   897 0 0
JOHNSON & JOHNSON COM 478160104   1,326,055 8,514 SH   SOLE   8,514 0 0
JOHNSON & JOHNSON COM 478160104   52,176 335 SH   OTR   335 0 0
KIMBERLY-CLARK CORP COM 494368103   72,751 602 SH   SOLE   602 0 0
KIMBERLY-CLARK CORP COM 494368103   169,190 1,400 SH   OTR   1,400 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   816,796 4,691 SH   SOLE   4,691 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   76,612 440 SH   OTR   440 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   253,725 1,262 SH   SOLE   1,262 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409   7,036 35 SH   OTR   35 0 0
ELI LILLY & CO COM 532457108   2,216,735 4,127 SH   SOLE   4,127 0 0
ELI LILLY & CO COM 532457108   155,767 290 SH   OTR   290 0 0
LOWES COS INC COM 548661107   562,415 2,706 SH   SOLE   2,706 0 0
MARATHON PETE CORP COM 56585A102   363,216 2,400 SH   SOLE   2,400 0 0
MARATHON PETE CORP COM 56585A102   30,268 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,113,694 2,813 SH   SOLE   2,813 0 0
MCDONALDS CORP COM 580135101   2,975,818 11,296 SH   SOLE   11,296 0 0
MCDONALDS CORP COM 580135101   39,516 150 SH   OTR   150 0 0
MERCK & CO INC COM 58933Y105   1,689,203 16,408 SH   SOLE   16,408 0 0
MERCK & CO INC COM 58933Y105   41,180 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104   9,627,344 30,490 SH   SOLE   29,980 0 510
MICROSOFT CORP COM 594918104   833,580 2,640 SH   OTR   2,640 0 0
MONDELEZ INTL INC CL A 609207105   619,742 8,930 SH   SOLE   8,930 0 0
MORGAN STANLEY COM NEW 617446448   1,293,652 15,840 SH   SOLE   15,840 0 0
MORGAN STANLEY COM NEW 617446448   31,442 385 SH   OTR   385 0 0
NEXTERA ENERGY INC COM 65339F101   1,478,425 25,806 SH   SOLE   25,206 0 600
NEXTERA ENERGY INC COM 65339F101   283,356 4,946 SH   OTR   4,946 0 0
NORFOLK SOUTHN CORP COM 655844108   641,401 3,257 SH   SOLE   2,307 0 950
NVIDIA CORPORATION COM 67066G104   4,265,076 9,805 SH   SOLE   9,805 0 0
NVIDIA CORPORATION COM 67066G104   69,598 160 SH   OTR   160 0 0
ORACLE CORP COM 68389X105   1,534,886 14,491 SH   SOLE   13,491 0 1,000
ORACLE CORP COM 68389X105   225,080 2,125 SH   OTR   2,125 0 0
PEPSICO INC COM 713448108   700,253 4,132 SH   SOLE   4,132 0 0
PEPSICO INC COM 713448108   346,335 2,044 SH   OTR   2,044 0 0
PFIZER INC COM 717081103   320,024 9,648 SH   SOLE   9,648 0 0
PFIZER INC COM 717081103   52,806 1,592 SH   OTR   1,592 0 0
PHILIP MORRIS INTL INC COM 718172109   428,737 4,631 SH   SOLE   4,631 0 0
PROCTER AND GAMBLE CO COM 742718109   2,194,552 15,045 SH   SOLE   14,745 0 300
PROCTER AND GAMBLE CO COM 742718109   138,567 950 SH   OTR   950 0 0
PROLOGIS INC. COM 74340W103   985,764 8,785 SH   SOLE   8,785 0 0
PROLOGIS INC. COM 74340W103   22,442 200 SH   OTR   200 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   226,615 3,982 SH   SOLE   3,982 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   7,113 125 SH   OTR   125 0 0
PUBLIC STORAGE COM 74460D109   356,015 1,351 SH   SOLE   1,351 0 0
PUBLIC STORAGE COM 74460D109   12,385 47 SH   OTR   47 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,200,970 7,488 SH   SOLE   7,488 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   150,900 353 SH   OTR   353 0 0
SPDR GOLD TR GOLD SHS 78463V107   439,254 2,562 SH   SOLE   2,562 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   5,716,984 274,855 SH   SOLE   274,460 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   228,238 10,973 SH   OTR   10,973 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,515,471 70,521 SH   SOLE   70,521 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   245,916 4,860 SH   SOLE   4,860 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,527,965 34,763 SH   SOLE   34,463 300 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   139,258 1,915 SH   OTR   1,915 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   902,117 13,995 SH   SOLE   13,640 355 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   42,543 660 SH   OTR   660 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,571,394 23,218 SH   SOLE   23,218 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,248,032 78,417 SH   SOLE   78,327 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   41,005 990 SH   OTR   990 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,494,215 62,415 SH   SOLE   62,345 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   38,184 1,595 SH   OTR   1,595 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,045,368 43,038 SH   SOLE   43,038 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   21,935 310 SH   OTR   310 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,654,597 195,954 SH   SOLE   195,954 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,056 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,995,609 67,728 SH   SOLE   67,728 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,027,669 13,083 SH   SOLE   13,083 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   7,462 95 SH   OTR   95 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,777,179 21,572 SH   SOLE   21,572 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,489,186 21,642 SH   SOLE   21,642 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,110,286 13,109 SH   SOLE   13,109 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   6,439 40 SH   OTR   40 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,207,700 13,361 SH   SOLE   13,361 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   19,705 218 SH   OTR   218 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,199,071 66,297 SH   SOLE   66,297 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   1,772,629 17,485 SH   SOLE   17,485 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   6,731,621 41,064 SH   SOLE   41,064 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   3,278 20 SH   OTR   20 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,042,571 31,151 SH   SOLE   31,151 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   3,278 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   317,464 9,318 SH   SOLE   9,318 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   658,719 11,178 SH   SOLE   11,178 0 0
SEMPRA COM 816851109   336,884 4,952 SH   SOLE   4,952 0 0
SEMPRA COM 816851109   27,212 400 SH   OTR   400 0 0
SHERWIN WILLIAMS CO COM 824348106   582,279 2,283 SH   SOLE   2,283 0 0
SHERWIN WILLIAMS CO COM 824348106   32,901 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   205,356 3,173 SH   SOLE   3,173 0 0
SYNOPSYS INC COM 871607107   1,236,006 2,693 SH   SOLE   2,693 0 0
TJX COS INC NEW COM 872540109   1,305,380 14,687 SH   SOLE   14,687 0 0
T-MOBILE US INC COM 872590104   535,691 3,825 SH   SOLE   3,825 0 0
TESLA INC COM 88160R101   709,123 2,834 SH   SOLE   2,834 0 0
TEXAS INSTRS INC COM 882508104   2,055,522 12,927 SH   SOLE   12,927 0 0
TEXAS INSTRS INC COM 882508104   23,056 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,236,259 4,418 SH   SOLE   3,818 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   40,493 80 SH   OTR   80 0 0
3M CO COM 88579Y101   252,774 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   18,724 200 SH   OTR   200 0 0
TRACTOR SUPPLY CO COM 892356106   238,177 1,173 SH   SOLE   1,173 0 0
UDR INC COM 902653104   139,826 3,920 SH   SOLE   1,760 0 2,160
UDR INC COM 902653104   115,570 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,728,818 8,490 SH   SOLE   8,490 0 0
UNION PAC CORP COM 907818108   41,744 205 SH   OTR   205 0 0
UNITED PARCEL SERVICE INC CL B 911312106   1,229,190 7,886 SH   SOLE   7,886 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,499,774 4,958 SH   SOLE   4,958 0 0
UNITEDHEALTH GROUP INC COM 91324P102   22,688 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   817,808 5,771 SH   SOLE   5,771 0 0
VALERO ENERGY CORP COM 91913Y100   20,406 144 SH   OTR   144 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   322,672 6,029 SH   SOLE   6,029 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   12,577 235 SH   OTR   235 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   4,730,673 98,906 SH   SOLE   98,801 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   212,986 4,453 SH   OTR   4,453 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,993,050 119,668 SH   SOLE   119,358 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   344,187 4,580 SH   OTR   4,580 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   394,663 1,005 SH   SOLE   1,005 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   723,687 9,565 SH   SOLE   9,545 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   16,266 215 SH   OTR   215 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   776,932 23,972 SH   SOLE   23,972 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   34,516 1,065 SH   OTR   1,065 0 0
VISA INC COM CL A 92826C839   456,799 1,986 SH   SOLE   1,986 0 0
VISA INC COM CL A 92826C839   23,001 100 SH   OTR   100 0 0
WALMART INC COM 931142103   1,257,689 7,864 SH   SOLE   7,864 0 0
WALMART INC COM 931142103   66,370 415 SH   OTR   415 0 0
WASTE MGMT INC DEL COM 94106L109   265,093 1,739 SH   SOLE   1,739 0 0