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
2u Inc COM 90214J101   390 1,000 SH   DFND 1 0 0 1,000
3m CO Com 88579Y101   915,436 8,630 SH   SOLE 0 7,584 330 716
3m CO Com 88579Y101   241,840 2,280 SH   OTR 0 2,215 65 0
3M Company COM 88579Y101   10,607 100 SH   DFND 1 0 0 100
A P Moeller Maersk Ord COM K0514G135   19,200 15 SH   DFND 1 0 0 15
Abbott Laboratories COM 002824100   123,207 1,084 SH   DFND 1 0 0 1,084
Abbott Labs Com 002824100   6,284,375 55,291 SH   SOLE 0 54,391 0 900
Abbott Labs Com 002824100   6,529,312 57,446 SH   OTR 0 55,510 576 1,360
Abbvie Inc Com 00287Y109   5,248,668 28,823 SH   SOLE 0 28,523 0 300
Abbvie Inc Com 00287Y109   6,029,877 33,113 SH   OTR 0 31,738 255 1,120
AbbVie Inc. COM 00287Y109   146,591 805 SH   DFND 1 0 0 805
Aberdeen Std Physical Swiss Gold COM 26922Y105   1,349,589 63,540 SH   DFND 1 0 0 63,540
Accenture plc COM G1151C101   13,518 39 SH   DFND 1 0 0 39
Accenture PLC Cl A Com G1151C101   385,777 1,113 SH   SOLE 0 1,113 0 0
Accenture PLC Cl A Com G1151C101   494,612 1,427 SH   OTR 0 1,397 30 0
Adobe Inc Com 00724F101   1,056,128 2,093 SH   SOLE 0 2,093 0 0
Adobe Inc Com 00724F101   937,547 1,858 SH   OTR 0 1,819 7 32
Advanced Micro Devices Inc Com 007903107   119,845 664 SH   SOLE 0 664 0 0
Advanced Micro Devices Inc Com 007903107   120,387 667 SH   OTR 0 667 0 0
Advanced Micro Devices, Inc. COM 007903107   7,220 40 SH   DFND 1 30 0 10
Aflac Inc Com 001055102   108,870 1,268 SH   SOLE 0 1,268 0 0
Aflac Inc Com 001055102   103,032 1,200 SH   OTR 0 1,200 0 0
Agnico Eagle Mines Ltd Com 008474108   151,750 2,544 SH   SOLE 0 2,544 0 0
Agnico Eagle Mines Ltd Com 008474108   463,838 7,776 SH   OTR 0 7,776 0 0
Air Products & Chemicals Inc Com 009158106   1,849,489 7,634 SH   SOLE 0 7,634 0 0
Air Products & Chemicals Inc Com 009158106   1,296,387 5,351 SH   OTR 0 5,301 0 50
Air Products and Chemicals, Inc. COM 009158106   11,144 46 SH   DFND 1 0 0 46
Alcon Inc COM H01301128   916 11 SH   DFND 1 0 0 11
Alibaba Group Hldg Ltd COM 01609W102   14,472 200 SH   DFND 1 0 0 200
Allbirds Inc COM 01675A109   35 50 SH   DFND 1 0 0 50
Allegion PLC Com G0176J109   90,525 672 SH   SOLE 0 672 0 0
Allegion PLC Com G0176J109   2,989,619 22,193 SH   OTR 0 22,193 0 0
AllianceBernstein Gl High IncFun COM 01879R106   9,314 877 SH   DFND 1 0 0 877
ALLIANT ENERGY CORP COM 018802108   139,165 2,761 SH   DFND 1 2,761 0 0
Allstate Corp Com 020002101   190,830 1,103 SH   SOLE 0 1,103 0 0
Allstate Corp Com 020002101   173,010 1,000 SH   OTR 0 1,000 0 0
Allstate Corporation COM 200021014   17,301 100 SH   DFND 1 0 0 100
Alphabet Inc Cl A Com 02079K305   10,188,681 67,506 SH   SOLE 0 66,446 0 1,060
Alphabet Inc Cl A Com 02079K305   27,483,447 182,094 SH   OTR 0 179,455 0 2,639
Alphabet Inc Cl C Com 02079K107   7,362,493 48,355 SH   SOLE 0 46,292 0 2,063
Alphabet Inc Cl C Com 02079K107   16,319,836 107,184 SH   OTR 0 104,498 86 2,600
Alphabet Inc. Class A COM 02079K305   471,354 3,123 SH   DFND 1 0 0 3,123
Alphabet Inc. Class C COM 02079K107   299,343 1,966 SH   DFND 1 0 0 1,966
Altaba Inc Xxx COM 021ESC017   0 33 SH   DFND 1 0 0 33
Alterrus Systems Inc Xxx COM 02153P105   0 22 SH   DFND 1 0 0 22
Altria Group Inc Com 02209S103   554,323 12,708 SH   SOLE 0 11,933 0 775
Altria Group Inc Com 02209S103   1,671,388 38,317 SH   OTR 0 37,617 0 700
Altria Group, Inc. COM 02209S103   50,238 1,152 SH   DFND 1 0 0 1,152
Amazon.Com Inc Com 023135106   6,071,591 33,660 SH   SOLE 0 33,400 0 260
Amazon.Com Inc Com 023135106   18,904,546 104,804 SH   OTR 0 103,708 0 1,096
Amazon.com, Inc COM 023135106   223,671 1,240 SH   DFND 1 0 0 1,240
Ambarella Inc COM G037AX101   507 10 SH   DFND 1 0 0 10
Amcor Plc COM G0250X107   17,108 1,799 SH   DFND 1 0 0 1,799
Amedica Corporation COM 023435100   0 0 SH   DFND 1 0 0 0
American Express CO Com 025816109   2,202,218 9,672 SH   SOLE 0 9,522 0 150
American Express CO Com 025816109   2,276,900 10,000 SH   OTR 0 9,714 0 286
American Intl Group Inc COM 002687484   7,817 100 SH   DFND 1 0 0 100
American Tower Corp REIT Com 03027X100   236,713 1,198 SH   SOLE 0 1,198 0 0
American Tower Corp REIT Com 03027X100   87,137 441 SH   OTR 0 441 0 0
American Water Works CO Inc Com 030420103   1,015,076 8,306 SH   SOLE 0 8,306 0 0
American Water Works CO Inc Com 030420103   568,154 4,649 SH   OTR 0 3,861 100 688
Amgen Inc Com 031162100   752,879 2,648 SH   SOLE 0 2,648 0 0
Amgen Inc Com 031162100   456,049 1,604 SH   OTR 0 1,604 0 0
Amgen Inc. COM 031162100   61,982 218 SH   DFND 1 0 0 218
Amphenol Corp Com 032095101   620,583 5,380 SH   SOLE 0 5,380 0 0
Amphenol Corp Com 032095101   948,869 8,226 SH   OTR 0 8,226 0 0
Amplify CWP Enhanced Dividend Com 032108409   668,969 17,206 SH   SOLE 0 17,206 0 0
Amplify CWP Enhanced Dividend Com 032108409   194,400 5,000 SH   OTR 0 5,000 0 0
Analog Devices Inc Com 032654105   220,734 1,116 SH   SOLE 0 1,116 0 0
Analog Devices Inc Com 032654105   295,300 1,493 SH   OTR 0 1,461 32 0
Anheuser-Busch Inbev Spons ADR Com 03524A108   49,536 815 SH   SOLE 0 815 0 0
Anheuser-Busch Inbev Spons ADR Com 03524A108   151,342 2,490 SH   OTR 0 2,490 0 0
Aon PLC ADR Com G0403H108   139,495 418 SH   SOLE 0 418 0 0
Aon PLC ADR Com G0403H108   1,308,182 3,920 SH   OTR 0 3,920 0 0
APA Corporation Com 03743Q108   309,111 8,991 SH   SOLE 0 8,991 0 0
APA Corporation Com 03743Q108   17,190 500 SH   OTR 0 500 0 0
Apple Inc Com 037833100   31,846,431 185,715 SH   SOLE 0 173,670 186 11,859
Apple Inc Com 037833100   22,782,490 132,858 SH   OTR 0 127,096 1,976 3,786
Apple Inc. COM 037833100   1,676,174 9,774 SH   DFND 1 0 0 9,774
Applied Materials Inc Com 038222105   366,058 1,775 SH   SOLE 0 1,775 0 0
Applied Materials Inc Com 038222105   474,329 2,300 SH   OTR 0 2,300 0 0
Aptiv Plc COM G6095L109   1,991 25 SH   DFND 1 0 0 25
Archer-Daniels-Midland Co. COM 039483102   31,405 500 SH   DFND 1 0 0 500
ARK Autonomous Tech & Robotics E COM 00214Q203   8,261 151 SH   DFND 1 0 0 151
Arrow Finl Corp Com 042744102   158,001 6,315 SH   SOLE 0 0 0 6,315
Arrow Finl Corp Com 042744102   136,684 5,463 SH   OTR 0 5,463 0 0
Asml Holding N V Com N07059210   49,494 51 SH   SOLE 0 51 0 0
Asml Holding N V Com N07059210   320,255 330 SH   OTR 0 330 0 0
AT&T Inc Com 00206R102   1,151,181 65,408 SH   SOLE 0 60,373 435 4,600
AT&T Inc Com 00206R102   803,563 45,657 SH   OTR 0 42,520 547 2,590
AT&T, Inc. COM 00206R102   184,827 10,502 SH   DFND 1 0 0 10,502
Atmos Energy Corp COM 049560105   14,502 122 SH   DFND 1 0 0 122
Auto Data Processing COM 053015103   14,485 58 SH   DFND 1 0 0 58
Autodesk Inc Com 052769106   227,086 872 SH   SOLE 0 872 0 0
Autodesk Inc Com 052769106   281,254 1,080 SH   OTR 0 1,080 0 0
Autoliv Inc Com 052800109   1,130,597 9,388 SH   SOLE 0 8,344 0 1,044
Autoliv Inc Com 052800109   1,294,141 10,746 SH   OTR 0 10,746 0 0
Automatic Data Processing Inc Com 053015103   7,058,402 28,263 SH   SOLE 0 27,833 0 430
Automatic Data Processing Inc Com 053015103   4,981,314 19,946 SH   OTR 0 19,088 115 743
Axis Capital H Pfd COM 05461T305   4,534 200 SH   DFND 1 0 0 200
B & G Foods Inc COM 05508R106   6,406 560 SH   DFND 1 0 0 560
Baidu Inc COM 056752108   5,264 50 SH   DFND 1 0 0 50
Ball Corp Com 058498106   28,830 428 SH   SOLE 0 428 0 0
Ball Corp Com 058498106   212,319 3,152 SH   OTR 0 3,152 0 0
BANK MONTREAL QUE F COM 063671101   4,438,188 45,436 SH   DFND 1 45,436 0 0
Bank of America Corp Com 060505104   1,294,703 34,143 SH   SOLE 0 33,711 0 432
Bank of America Corp Com 060505104   481,470 12,697 SH   OTR 0 12,697 0 0
Bank of America Corporation COM 060505104   124,071 3,272 SH   DFND 1 871 0 2,401
Bank of New York Mellon Corp Com 064058100   568,133 9,860 SH   SOLE 0 9,860 0 0
Bank of New York Mellon Corp Com 064058100   28,810 500 SH   OTR 0 0 0 500
Baxter Intl Inc Com 071813109   187,244 4,381 SH   SOLE 0 4,381 0 0
Baxter Intl Inc Com 071813109   122,792 2,873 SH   OTR 0 873 0 2,000
Becton Dickinson Com 075887109   653,021 2,639 SH   SOLE 0 2,639 0 0
Becton Dickinson Com 075887109   286,300 1,157 SH   OTR 0 1,144 13 0
Berkshire Hathaway Inc Class A Com 084670108   3,172,200 5 SH   OTR 0 5 0 0
Berkshire Hathaway Inc. COM 084670702   400,755 953 SH   DFND 1 100 0 853
Berkshire Hathaway Inc-Cl B Com 084670702   6,754,392 16,062 SH   SOLE 0 15,807 30 225
Berkshire Hathaway Inc-Cl B Com 084670702   12,519,301 29,771 SH   OTR 0 29,618 38 115
Best Buy Company Inc Com 086516101   259,379 3,162 SH   SOLE 0 3,162 0 0
Best Buy Company Inc Com 086516101   27,398 334 SH   OTR 0 334 0 0
Better Choice Co Inc COM 08771Y303   684 114 SH   DFND 1 0 0 114
Bhp Billiton Ltd Adr COM 088606108   6,688 116 SH   DFND 1 0 0 116
Blackrock Flexible COM 092528603   2,623 50 SH   DFND 1 0 0 50
Blackrock Inc Cl A Com 09247X101   1,621,547 1,945 SH   SOLE 0 1,935 0 10
Blackrock Inc Cl A Com 09247X101   353,489 424 SH   OTR 0 374 0 50
Blackrock US Carbon Trns COM 09290C509   30,944 539 SH   DFND 1 0 0 539
Blackrock US Eqy Fctr COM 09290C103   12,565 283 SH   DFND 1 0 0 283
Blackrock Wrld Ex US COM 09290C608   4,750 104 SH   DFND 1 0 0 104
Blackstone Inc Com 09260D107   141,091 1,074 SH   SOLE 0 1,074 0 0
Blackstone Inc Com 09260D107   763,785 5,814 SH   OTR 0 5,814 0 0
Boeing CO Com 097023105   1,259,839 6,528 SH   SOLE 0 6,328 0 200
Boeing CO Com 097023105   1,634,239 8,468 SH   OTR 0 8,452 16 0
Booking Hldgs Inc Com 09857L108   203,161 56 SH   OTR 0 56 0 0
Boston Scientific Corp Com 101137107   327,725 4,785 SH   OTR 0 4,785 0 0
BP PLC Spons ADR Com 055622104   111,684 2,964 SH   SOLE 0 2,964 0 0
BP PLC Spons ADR Com 055622104   236,630 6,280 SH   OTR 0 6,280 0 0
BrandywineGLOBAL - Global Inco Com 10537L104   158,576 18,700 SH   SOLE 0 18,700 0 0
Brc Inc COM 05601U105   2,461 575 SH   DFND 1 0 0 575
Brighthouse Financial, Inc. COM 10922N103   567 11 SH   DFND 1 0 0 11
Bristol Myers Squibb CO Com 110122108   2,528,311 46,622 SH   SOLE 0 43,842 660 2,120
Bristol Myers Squibb CO Com 110122108   2,542,574 46,885 SH   OTR 0 43,656 69 3,160
Bristol-Myers Squibb Co. COM 110122108   36,053 664 SH   DFND 1 244 0 420
Broadcom Inc Com 11135F101   577,879 436 SH   SOLE 0 436 0 0
Broadcom Inc Com 11135F101   1,640,858 1,238 SH   OTR 0 1,226 0 12
Brookfield Asset Mgmt Inc Cl A Com 113004105   121,858 2,900 SH   SOLE 0 2,900 0 0
Brookfield Asset Mgmt Inc Cl A Com 113004105   1,231,060 29,297 SH   OTR 0 29,297 0 0
Brookfield Renewable Corporation COM 11284V105   2,113 86 SH   DFND 1 0 0 86
Brown Forman Corp Com 115637209   49,813 965 SH   SOLE 0 965 0 0
Brown Forman Corp Com 115637209   463,290 8,975 SH   OTR 0 8,975 0 0
Builders Firstsource COM 12008R107   417,100 2,000 SH   DFND 1 0 0 2,000
Cadence Design System Inc Com 127387108   378,205 1,215 SH   SOLE 0 1,215 0 0
Canadian National Railway Comp Com 136375102   215,082 1,633 SH   SOLE 0 1,633 0 0
Canadian National Railway Comp Com 136375102   2,407,395 18,278 SH   OTR 0 18,278 0 0
Canadian Pacific Kansas City L Com 13646K108   321,115 3,642 SH   OTR 0 3,642 0 0
Capital Southwest Corp COM 140501107   670 27 SH   DFND 1 0 0 27
Cardinal Health Inc Com 14149Y108   187,880 1,679 SH   SOLE 0 1,679 0 0
Cardinal Health Inc Com 14149Y108   92,318 825 SH   OTR 0 825 0 0
Carrier Global Corp COM 14448C104   7,208 124 SH   DFND 1 0 0 124
Carrier Global Corporation Com 14448C104   1,707,976 29,382 SH   SOLE 0 28,468 100 814
Carrier Global Corporation Com 14448C104   1,569,801 27,005 SH   OTR 0 25,320 1,066 619
Caterpillar Inc Com 149123101   5,690,658 15,530 SH   SOLE 0 14,642 0 888
Caterpillar Inc Com 149123101   6,658,400 18,171 SH   OTR 0 17,632 30 509
Caterpillar Inc COM 149123101   4,612,479 12,588 SH   DFND 1 12,398 0 190
CDW Corp Com 12514G108   194,649 761 SH   SOLE 0 761 0 0
CDW Corp Com 12514G108   16,626 65 SH   OTR 0 48 17 0
Chargepoint Hldgs Inc COM 15961R105   371 195 SH   DFND 1 0 0 195
Charles Schwab Corp Com 808513105   318,368 4,401 SH   SOLE 0 4,401 0 0
Charles Schwab Corp Com 808513105   264,981 3,663 SH   OTR 0 3,663 0 0
Chevron Corp. COM 166769572   45,745 325 SH   DFND 1 35 0 290
Chevron Corporation Com 166764100   7,448,882 47,223 SH   SOLE 0 44,912 245 2,066
Chevron Corporation Com 166764100   6,764,995 42,887 SH   OTR 0 40,991 360 1,536
Chewy Inc COM 16679L109   3,182 200 SH   DFND 1 0 0 200
Chimera Investment COM 16934Q208   922 200 SH   DFND 1 0 0 200
Chipotle Mexican Grill Inc Com 169656105   476,710 164 SH   SOLE 0 164 0 0
Chipotle Mexican Grill Inc Com 169656105   87,203 30 SH   OTR 0 18 0 12
Chubb Ltd Com H1467J104   838,804 3,237 SH   SOLE 0 3,187 0 50
Chubb Ltd Com H1467J104   1,586,394 6,122 SH   OTR 0 6,003 30 89
Cigna Group Com 125523100   378,444 1,042 SH   SOLE 0 1,005 0 37
Cigna Group Com 125523100   72,638 200 SH   OTR 0 200 0 0
Cisco Systems Inc Com 17275R102   4,947,957 99,138 SH   SOLE 0 94,277 0 4,861
Cisco Systems Inc Com 17275R102   4,267,255 85,499 SH   OTR 0 83,572 710 1,217
Cisco Systems, Inc. COM 17275R102   65,628 1,315 SH   DFND 1 26 0 1,289
Citigroup Inc Com 172967424   309,054 4,887 SH   SOLE 0 4,887 0 0
Citigroup Inc Com 172967424   327,899 5,185 SH   OTR 0 5,185 0 0
Citigroup, Inc. COM 172967424   41,106 650 SH   DFND 1 0 0 650
Citizens Financial Group, Inc. COM 174610105   40,137 1,106 SH   DFND 1 0 0 1,106
Citizens Finl Svcs COM 174615104   58,450 1,188 SH   DFND 1 0 0 1,188
Claimsnet.com Com 89355M105   0 243,486 SH   OTR 0 243,486 0 0
Clearway Energy Inc COM 18539C204   53,776 2,333 SH   DFND 1 0 0 2,333
Clorox Co COM 189054109   15,464 101 SH   DFND 1 0 0 101
Clorox Company Com 189054109   599,119 3,913 SH   SOLE 0 3,913 0 0
Clorox Company Com 189054109   284,785 1,860 SH   OTR 0 1,375 0 485
CME Group Inc. Com 12572Q105   259,855 1,207 SH   SOLE 0 1,207 0 0
CME Group Inc. Com 12572Q105   43,704 203 SH   OTR 0 163 40 0
Coca Cola CO Com 191216100   3,071,909 50,211 SH   SOLE 0 44,624 603 4,984
Coca Cola CO Com 191216100   4,946,648 80,854 SH   OTR 0 76,045 84 4,725
Cohen & Steers Quality Income Re COM 19247L106   1,208 100 SH   DFND 1 0 0 100
Coinbase Global Inc COM 19260Q107   39,768 150 SH   DFND 1 0 0 150
Colgate Palmolive CO Com 194162103   1,184,248 13,151 SH   SOLE 0 11,424 277 1,450
Colgate Palmolive CO Com 194162103   288,610 3,205 SH   OTR 0 2,555 0 650
Colgate-Palmolive Co COM 194162103   35,029 389 SH   DFND 1 0 0 389
ComCast Corp-Cl A Com 20030N101   964,668 22,253 SH   SOLE 0 20,143 0 2,110
ComCast Corp-Cl A Com 20030N101   575,255 13,270 SH   OTR 0 11,184 913 1,173
Comcast Corporation COM 20030N101   37,715 870 SH   DFND 1 0 0 870
Commonwealth 6.5 PFD Series D C COM 294628201   2,500 100 SH   DFND 1 0 0 100
Communication Services Select Com 81369Y852   133,759 1,638 SH   SOLE 0 1,638 0 0
Communication Services Select Com 81369Y852   98,809 1,210 SH   OTR 0 930 280 0
Conmed Corp COM 207410101   8,168 102 SH   DFND 1 0 0 102
Conocophillips Com 20825C104   960,200 7,544 SH   SOLE 0 7,513 31 0
Conocophillips Com 20825C104   518,030 4,070 SH   OTR 0 3,920 150 0
Conocophillips COM 20825C104   18,074 142 SH   DFND 1 0 0 142
Consolidated Edison Inc. COM 209115104   173,175 1,907 SH   DFND 1 0 0 1,907
Constellation Brands Inc Com 21036P108   293,773 1,081 SH   OTR 0 1,081 0 0
Consumer Discretionary Selt Com 81369Y407   1,760,931 9,576 SH   SOLE 0 7,746 0 1,830
Consumer Discretionary Selt Com 81369Y407   115,667 629 SH   OTR 0 170 355 104
Consumer Staples Select Sector Com 81369Y308   581,021 7,609 SH   SOLE 0 6,265 0 1,344
Consumer Staples Select Sector Com 81369Y308   46,274 606 SH   OTR 0 130 305 171
Corning Inc Com 219350105   275,513 8,359 SH   SOLE 0 8,359 0 0
Corning Inc Com 219350105   161,504 4,900 SH   OTR 0 4,200 700 0
Corning Inc. COM 219350105   238,680 7,242 SH   DFND 1 0 0 7,242
Corteva Inc COM 22052L104   11,938 207 SH   DFND 1 0 0 207
Corteva Inc Com Com 22052L104   253,056 4,388 SH   SOLE 0 4,297 0 91
Corteva Inc Com Com 22052L104   494,290 8,571 SH   OTR 0 8,571 0 0
Costco Wholesale Corp Com 22160K105   5,072,730 6,924 SH   SOLE 0 6,849 0 75
Costco Wholesale Corp Com 22160K105   8,617,194 11,762 SH   OTR 0 11,171 0 591
Costco Wholesale Corporation COM 22160K105   120,884 165 SH   DFND 1 0 0 165
Crown Castle Inc Com 22822V101   418,240 3,952 SH   SOLE 0 3,952 0 0
Crown Castle Inc Com 22822V101   769,384 7,270 SH   OTR 0 7,270 0 0
Csx Corp Com 126408103   318,728 8,598 SH   SOLE 0 8,598 0 0
Csx Corp Com 126408103   240,214 6,480 SH   OTR 0 6,480 0 0
Cummins Inc Com 231021106   199,773 678 SH   SOLE 0 678 0 0
Cummins Inc Com 231021106   184,156 625 SH   OTR 0 600 25 0
CVS Health Corp Com 126650100   2,838,868 35,593 SH   SOLE 0 34,510 0 1,083
CVS Health Corp Com 126650100   1,158,993 14,531 SH   OTR 0 13,211 239 1,081
Danaher Corp Com 235851102   5,990,533 23,989 SH   SOLE 0 22,069 0 1,920
Danaher Corp Com 235851102   7,973,310 31,929 SH   OTR 0 30,639 120 1,170
Deere & CO Com 244199105   5,250,381 12,783 SH   SOLE 0 11,994 25 764
Deere & CO Com 244199105   9,896,780 24,095 SH   OTR 0 23,861 70 164
Deere & Company COM 244199105   4,247 10 SH   DFND 1 0 0 10
Deutsche Bank Ag ADR Com D18190898   157,306 10,000 SH   SOLE 0 10,000 0 0
Devon Energy Corporation COM 25179M103   5,018 100 SH   DFND 1 0 0 100
Diageo Plc COM 25243Q205   7,140 48 SH   DFND 1 0 0 48
Dicks Sporting Goods Inc Com 253393102   944,708 4,201 SH   SOLE 0 3,461 0 740
Dicks Sporting Goods Inc Com 253393102   56,890 253 SH   OTR 0 253 0 0
Dick's Sporting Goods Inc. COM 253393102   23,559 105 SH   DFND 1 0 0 105
Digital Realty Trust Inc REIT Com 253868103   261,289 1,814 SH   SOLE 0 1,814 0 0
Digital World Acquisitio COM 25400Q105   31,971 516 SH   DFND 1 0 0 516
Dimensional Intern Core COM 25434V203   21,789 721 SH   DFND 1 0 0 721
Dimensional U.S. Equity ETF COM 25434V401   2,192,590 38,480 SH   DFND 1 0 0 38,480
Dimensional World ex U.S. Core E COM 25434V880   627,630 24,671 SH   DFND 1 0 0 24,671
Disney Walt CO New Com 254687106   5,098,781 41,670 SH   SOLE 0 40,348 0 1,322
Disney Walt CO New Com 254687106   4,018,180 32,839 SH   OTR 0 31,066 519 1,254
DNP Select Income Fund Inc COM 23325P104   23,881 2,633 SH   DFND 1 0 0 2,633
Dominion Resources Inc Com 25746U109   534,597 10,868 SH   SOLE 0 10,558 0 310
Dominion Resources Inc Com 25746U109   387,174 7,871 SH   OTR 0 5,941 0 1,930
Dominion Resources, Inc. COM 25746U109   101,725 2,068 SH   DFND 1 30 0 2,038
Dover Corp Com 260003108   174,355 984 SH   SOLE 0 584 0 400
Dover Corp Com 260003108   79,736 450 SH   OTR 0 450 0 0
Dow Inc Com Com 260557103   1,090,243 18,820 SH   SOLE 0 18,729 0 91
Dow Inc Com Com 260557103   1,115,326 19,253 SH   OTR 0 17,661 0 1,592
DTE Energy Co Com 233331107   300,984 2,684 SH   SOLE 0 2,684 0 0
Duke Energy Corp Com 26441C204   423,783 4,382 SH   SOLE 0 4,097 285 0
Duke Energy Corp Com 26441C204   145,258 1,502 SH   OTR 0 1,502 0 0
Dupont De Nemours Inc Com 26614N102   989,196 12,902 SH   SOLE 0 12,811 0 91
Dupont De Nemours Inc Com 26614N102   885,155 11,545 SH   OTR 0 11,333 34 178
Dutch Bros Inc COM 26701L100   1,650 50 SH   DFND 1 0 0 50
E3 Lithium Ltd COM 26925V108   535 500 SH   DFND 1 0 0 500
Eaton Corp PLC Com G29183103   1,684,720 5,388 SH   SOLE 0 5,388 0 0
Eaton Corp PLC Com G29183103   2,011,783 6,434 SH   OTR 0 5,569 0 865
Eaton Corp Plc COM G29183103   19,699 63 SH   DFND 1 0 0 63
Eaton Vance Tax Man Gl D COM 27829F108   6,528 800 SH   DFND 1 0 0 800
Ecolab Inc Com 278865100   1,427,193 6,181 SH   SOLE 0 6,181 0 0
Ecolab Inc Com 278865100   1,024,042 4,435 SH   OTR 0 3,985 0 450
EI DuPont de Nemours & Co. COM 26614N102   15,871 207 SH   DFND 1 0 0 207
Emerson Elec CO Com 291011104   1,623,040 14,310 SH   SOLE 0 14,310 0 0
Emerson Elec CO Com 291011104   443,472 3,910 SH   OTR 0 3,910 0 0
Enbridge Incorporated Com 29250N105   331,119 9,152 SH   SOLE 0 9,152 0 0
Enbridge Incorporated Com 29250N105   75,689 2,092 SH   OTR 0 2,092 0 0
Energy Select Sector SPDR Com 81369Y506   1,066,222 11,294 SH   SOLE 0 9,892 0 1,402
Energy Select Sector SPDR Com 81369Y506   231,965 2,457 SH   OTR 0 2,244 80 133
Energy Select Sector SPDR COM 81369Y506   14,162 150 SH   DFND 1 0 0 150
Enterprise Prods Partners LP Com 293792107   48,089 1,648 SH   SOLE 0 1,648 0 0
Enterprise Prods Partners LP Com 293792107   469,798 16,100 SH   OTR 0 16,100 0 0
Eog Res Inc Com 26875P101   146,505 1,146 SH   SOLE 0 1,146 0 0
Eog Res Inc Com 26875P101   313,592 2,453 SH   OTR 0 2,453 0 0
Etsy, Inc. COM 29786A106   13,744 200 SH   DFND 1 0 0 200
Exelon Corp Com 30161N101   142,916 3,804 SH   SOLE 0 3,804 0 0
Exelon Corp Com 30161N101   69,843 1,859 SH   OTR 0 1,509 0 350
Exxon Mobil Corporation COM 30231G102   875,219 7,529 SH   DFND 1 147 0 7,382
Exxonmobil Corp Com 30231G102   12,011,660 103,335 SH   SOLE 0 99,645 569 3,121
Exxonmobil Corp Com 30231G102   8,556,659 73,612 SH   OTR 0 70,729 660 2,223
Fastenal CO Com 311900104   107,996 1,400 SH   SOLE 0 1,400 0 0
Fastenal CO Com 311900104   805,342 10,440 SH   OTR 0 10,440 0 0
Fedex Corporation Com 31428X106   310,891 1,073 SH   SOLE 0 1,073 0 0
Fedex Corporation Com 31428X106   1,738 6 SH   OTR 0 6 0 0
FedEx Corporation COM 31428X106   14,487 50 SH   DFND 1 0 0 50
Financial Select Sector SPDR Com 81369Y605   1,225,397 29,093 SH   SOLE 0 26,404 0 2,689
Financial Select Sector SPDR Com 81369Y605   50,965 1,210 SH   OTR 0 1,010 200 0
First Solar Inc Com 336433107   384,020 2,275 SH   OTR 0 2,275 0 0
First Solar Inc COM 336433107   5,739 34 SH   DFND 1 0 0 34
First Trust DW Dynamic Focus 5 COM 33738R878   561,374 16,267 SH   DFND 1 0 0 16,267
First Trust DW Focus 5 COM 33738R605   1,714,045 29,950 SH   DFND 1 0 0 29,950
First Trust DW Int'l Focus COM 33738R886   10,880 544 SH   DFND 1 0 0 544
First Trust Enhanced Short Matur COM 33739Q408   471,832 7,914 SH   DFND 1 0 0 7,914
First Trust ISE Water Index Fd COM 33733B100   486,302 4,763 SH   DFND 1 0 0 4,763
First Trust Low Duration COM 33739Q200   425,034 8,809 SH   DFND 1 0 0 8,809
First TRUST Mlp And Ener COM 33739B104   10,328 1,068 SH   DFND 1 0 0 1,068
First Trust Morningstar Div COM 336917109   15,392 400 SH   DFND 1 0 0 400
First Trust NASDAQ Cln EdgeSt COM 33737A108   88,823 775 SH   DFND 1 0 0 775
First TRUST Preferred COM 33739E108   83,569 4,825 SH   DFND 1 0 0 4,825
First Trust Rising Dividend COM 33738R506   873,387 15,549 SH   DFND 1 0 0 15,549
First Trust Senior Loan COM 33738D309   334,422 7,237 SH   DFND 1 0 0 7,237
First Trust Small Cap AlphaDEX COM 33734Y109   23,963 257 SH   DFND 1 0 0 257
First Trust Value Line Div Index COM 33734H106   868,164 20,558 SH   DFND 1 0 0 20,558
FirstTrust NASDAQ Clean Edge Gre COM 33733E500   1,214 35 SH   DFND 1 0 0 35
Fiserv Inc Com 337738108   762,661 4,772 SH   SOLE 0 4,772 0 0
Fiserv Inc Com 337738108   369,983 2,315 SH   OTR 0 2,315 0 0
FLAHERTY CRUMRINE TOTAL COM 338479108   8,781 568 SH   DFND 1 568 0 0
Flexshares Disciplined Duratio Com 33939L779   342,096 16,790 SH   SOLE 0 16,790 0 0
FlexShares Global Quality Real Com 33939L787   814,932 14,345 SH   SOLE 0 14,345 0 0
FlexShares Global Quality Real Com 33939L787   19,202 338 SH   OTR 0 338 0 0
FlexShares Global Quality Real E COM 33939L787   3,749 66 SH   DFND 1 0 0 66
FlexShares International Quali Com 33939L837   392,589 16,290 SH   SOLE 0 16,290 0 0
FlexShares Mstar Glbl Upstrm N Com 33939L407   44,836,201 1,091,702 SH   SOLE 0 1,087,466 0 4,236
FlexShares Mstar Glbl Upstrm N Com 33939L407   3,393,819 82,635 SH   OTR 0 81,005 340 1,290
FlexShares STOXX Glbl Brd Infr Com 33939L795   5,707,936 104,567 SH   SOLE 0 104,567 0 0
FlexShares STOXX Glbl Brd Infr Com 33939L795   993,473 18,200 SH   OTR 0 17,960 0 240
FlexShares STOXX Global Broad In COM 33939L795   3,384 62 SH   DFND 1 0 0 62
Flexshares Upstream COM 33939L407   7,557 184 SH   DFND 1 0 0 184
Ford Motor Co. COM 345370860   39,906 3,005 SH   DFND 1 0 0 3,005
Fortive Corp Com 34959J108   868,974 10,102 SH   SOLE 0 9,702 0 400
Fortive Corp Com 34959J108   1,278,257 14,860 SH   OTR 0 14,016 50 794
Freeport-McMoran Inc Com 35671D857   403,479 8,581 SH   SOLE 0 8,581 0 0
Freeport-McMoran Inc Com 35671D857   377,288 8,024 SH   OTR 0 6,240 59 1,725
Gabelli Dividend & Incom COM 36242H104   8,112 353 SH   DFND 1 0 0 353
GE Aerospace Com 369604301   1,700,886 9,690 SH   SOLE 0 9,336 0 354
GE Aerospace Com 369604301   396,347 2,258 SH   OTR 0 2,249 0 9
Ge Healthcare Technologi COM 36266G107   29,279 322 SH   DFND 1 58 0 264
GE Healthcare Technologies Inc Com 36266G107   290,185 3,192 SH   SOLE 0 3,192 0 0
GE Healthcare Technologies Inc Com 36266G107   67,546 743 SH   OTR 0 743 0 0
General Dynamics Corp Com 369550108   1,602,001 5,671 SH   SOLE 0 5,521 0 150
General Dynamics Corp Com 369550108   440,119 1,558 SH   OTR 0 1,539 19 0
General Dynamics Corp. COM 369550108   16,384 58 SH   DFND 1 0 0 58
General Electric Co. COM 369604301   153,977 877 SH   DFND 1 78 0 799
General Mls Inc Com 370334104   644,774 9,215 SH   SOLE 0 8,417 0 798
General Mls Inc Com 370334104   334,806 4,785 SH   OTR 0 4,785 0 0
General Motors Company COM 37045V100   2,268 50 SH   DFND 1 0 0 50
Genuine Parts CO Com 372460105   313,114 2,021 SH   SOLE 0 2,021 0 0
Genuine Parts Co COM 372460105   13,014 84 SH   DFND 1 0 0 84
Gerdau S.A. COM 373737105   1,158 262 SH   DFND 1 0 0 262
Gilead Sciences Inc Com 375558103   424,118 5,790 SH   SOLE 0 5,790 0 0
Gilead Sciences Inc Com 375558103   305,892 4,176 SH   OTR 0 4,176 0 0
Global X Lithium Battery COM 37954Y855   29,484 651 SH   DFND 1 0 0 651
Global X U.S. Infrastructure Dev COM 37954Y673   80 2 SH   DFND 1 0 0 2
Global X US Preferred ETF Com 37954Y657   241,920 12,000 SH   OTR 0 12,000 0 0
Goldman Sachs Group Inc Com 38141G104   1,489,483 3,566 SH   SOLE 0 3,546 20 0
Goldman Sachs Group Inc Com 38141G104   1,568,008 3,754 SH   OTR 0 3,754 0 0
Goldman Sachs Group Inc COM 38141G104   15,037 36 SH   DFND 1 0 0 36
Golub Cap Bdc Inc Com 38173M102   204,549 12,300 SH   SOLE 0 12,300 0 0
GOODYEAR TIRE RUBBER COM 382550101   9,680 705 SH   DFND 1 705 0 0
Grainger W W Inc Com 384802104   3,015,277 2,964 SH   SOLE 0 2,964 0 0
Grainger W W Inc Com 384802104   1,380,476 1,357 SH   OTR 0 673 100 584
Graphic Packaging Holding Compan COM 388689101   7,849 269 SH   DFND 1 0 0 269
Greenpower Motor Co COM 39540E302   701 356 SH   DFND 1 0 0 356
GSK PLC Sponsored ADR Com 37733W204   364,738 8,508 SH   SOLE 0 8,508 0 0
GSK PLC Sponsored ADR Com 37733W204   153,046 3,570 SH   OTR 0 2,970 0 600
Gxo Logistics Inc COM 36262G101   6,935 129 SH   DFND 1 0 0 129
HARLEY DAVIDSON INC COM 412822108   1,216 28 SH   DFND 1 28 0 0
Health Care Select Sector SPDR Com 81369Y209   1,360,483 9,209 SH   SOLE 0 8,680 0 529
Health Care Select Sector SPDR Com 81369Y209   22,160 150 SH   OTR 0 150 0 0
Hershey Co. COM 427866108   163,769 842 SH   DFND 1 0 0 842
Home Depot Inc Com 437076102   2,486,603 6,482 SH   SOLE 0 6,183 0 299
Home Depot Inc Com 437076102   4,039,308 10,530 SH   OTR 0 9,530 150 850
Honda Motor Co Ltd COM 438128308   24,200 650 SH   DFND 1 0 0 650
Honeywell International Inc Com 438516106   4,642,345 22,618 SH   SOLE 0 21,703 0 915
Honeywell International Inc Com 438516106   1,771,308 8,630 SH   OTR 0 7,631 220 779
Honeywell Intl Inc COM 438516106   10,263 50 SH   DFND 1 0 0 50
Hormel Foods Corp COM 440452100   10,711 307 SH   DFND 1 0 0 307
Hunt J B Trans Svcs Inc Com 445658107   238,303 1,196 SH   OTR 0 1,196 0 0
iCAD, Inc. COM 44934S206   486 302 SH   DFND 1 0 0 302
IDEXX Laboratories, Inc. COM 45168D104   6,479 12 SH   DFND 1 0 0 12
Illinois Tool Wks Inc Com 452308109   524,853 1,956 SH   SOLE 0 1,956 0 0
Illinois Tool Wks Inc Com 452308109   272,892 1,017 SH   OTR 0 1,017 0 0
Illinois Tool Works Inc. COM 452308109   16,636 62 SH   DFND 1 0 0 62
Industrial Select Sector SPDR Com 81369Y704   1,196,994 9,503 SH   SOLE 0 9,243 0 260
Industrial Select Sector SPDR Com 81369Y704   65,625 521 SH   OTR 0 435 0 86
Ingersoll Rand Inc Com 45687V106   183,064 1,928 SH   SOLE 0 1,928 0 0
Ingersoll Rand Inc Com 45687V106   6,168,522 64,966 SH   OTR 0 64,966 0 0
Ingevity Corp COM 45688C107   334 7 SH   DFND 1 0 0 7
Intel Corp Com 458140100   2,989,381 67,679 SH   SOLE 0 65,276 903 1,500
Intel Corp Com 458140100   1,063,084 24,068 SH   OTR 0 22,553 1,015 500
Intercontinental Exchange Inc Com 45866F104   999,803 7,275 SH   SOLE 0 7,275 0 0
Intercontinental Exchange Inc Com 45866F104   66,516 484 SH   OTR 0 484 0 0
Intl Business Machines Corp. COM 459200101   1,167,692 6,115 SH   DFND 1 166 0 5,949
Intl. Business Machines Corp Com 459200101   4,595,811 24,067 SH   SOLE 0 21,974 395 1,698
Intl. Business Machines Corp Com 459200101   3,573,053 18,711 SH   OTR 0 17,163 0 1,548
Intuit Com 461202103   89,050 137 SH   SOLE 0 137 0 0
Intuit Com 461202103   620,750 955 SH   OTR 0 955 0 0
Intuitive Surgical COM 46120E602   37,115 93 SH   DFND 1 0 0 93
Intuitive Surgical Inc Com 46120E602   48,290 121 SH   SOLE 0 121 0 0
Intuitive Surgical Inc Com 46120E602   579,878 1,453 SH   OTR 0 1,453 0 0
Invesco QQQ Trust COM 46090E103   25,309 57 SH   DFND 1 0 0 57
Invesco S&P 500 Equal Weight E Com 46137V357   326,207 1,926 SH   SOLE 0 1,926 0 0
Invesco S&P 500 Low Volatility E COM 46138E354   71,074 1,079 SH   DFND 1 0 0 1,079
Invesco SP 500 Low Volatility Com 46138E354   230,084 3,493 SH   SOLE 0 3,493 0 0
Ionis Pharmaceuticals Inc Com 462222100   739,118 17,050 SH   OTR 0 17,050 0 0
IQVIA Holdings Inc Com 46266C105   234,429 927 SH   SOLE 0 927 0 0
IQVIA Holdings Inc Com 46266C105   1,534,789 6,069 SH   OTR 0 6,069 0 0
Ishar Tru Esg Awr Usd COM 46435G193   11,771 512 SH   DFND 1 0 0 512
Ishares 0 To 3 Mnth COM 46436E718   1,813 18 SH   DFND 1 0 0 18
iShares 0-5 Year High Yield Corp COM 46434V407   26,594 625 SH   DFND 1 0 0 625
iShares 0-5 Year TIPS Bond ETF COM 46429B747   6,662 67 SH   DFND 1 0 0 67
IShares 0-5 Yr TIPs ETF Com 46429B747   5,357,288 53,880 SH   SOLE 0 53,880 0 0
IShares 0-5 Yr TIPs ETF Com 46429B747   1,810,123 18,205 SH   OTR 0 17,329 265 611
Ishares 10-20 Year Tsury COM 464288653   104,820 998 SH   DFND 1 0 0 998
iShares 1-3 Year Treasury Bond COM 464287457   8,423 103 SH   DFND 1 0 0 103
Ishares 1-3 Year Treasury ETF Com 464287457   2,826,071 34,557 SH   SOLE 0 34,157 0 400
iShares 20 Year Treasury Bond COM 464287432   51,663 546 SH   DFND 1 0 0 546
Ishares 3-7 Year Treasury Bond Com 464288661   1,068,926 9,230 SH   SOLE 0 9,230 0 0
iShares 5-10 Year Investment Gra COM 464288638   24,252 470 SH   DFND 1 0 0 470
Ishares 5-10 Yr Inv Gr Corp Bd Com 464288638   215,791 4,182 SH   SOLE 0 4,182 0 0
Ishares 5-10 Yr Inv Gr Corp Bd Com 464288638   165,120 3,200 SH   OTR 0 3,200 0 0
Ishares Barclays 7-10 Year Tr Com 464287440   255,109 2,695 SH   SOLE 0 2,695 0 0
Ishares Barclays Mbs Bond ETF Com 464288588   738,898 7,995 SH   SOLE 0 7,995 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   227,924 2,122 SH   SOLE 0 2,122 0 0
Ishares Barclays TIPS Bond ETF Com 464287176   21,482 200 SH   OTR 0 200 0 0
iShares Broad USD High Yield Corporate Bond ETF COM 46435U853   41,783 600 SH   DFND 1 0 0 600
iShares Convertible Bond ETF COM 46435G102   64,742 811 SH   DFND 1 0 0 811
iShares Core Aggressive ETF COM 464289859   50,173 683 SH   DFND 1 0 0 683
Ishares Core Emerging Markets Com 46434G103   3,282,792 63,620 SH   SOLE 0 63,620 0 0
Ishares Core Emerging Markets Com 46434G103   1,024,518 19,855 SH   OTR 0 19,130 725 0
iShares Core Growth ETF COM 464289867   3,991,539 71,700 SH   DFND 1 0 0 71,700
Ishares Core High COM 46429B663   42,210 383 SH   DFND 1 0 0 383
iShares Core High Dividend ETF Com 46429B663   964,999 8,756 SH   SOLE 0 8,756 0 0
iShares Core High Dividend ETF COM 46429B663   130,488 1,184 SH   DFND 1 0 0 1,184
iShares Core Intl Aggregate Bond COM 46435G672   12,937 259 SH   DFND 1 0 0 259
IShares Core Intnl Agg Bond ET Com 46435G672   576,023 11,532 SH   SOLE 0 11,532 0 0
IShares Core Intnl Agg Bond ET Com 46435G672   61,938 1,240 SH   OTR 0 1,240 0 0
iShares Core Moderate Allocation COM 464289875   3,209 75 SH   DFND 1 0 0 75
Ishares Core Msci Eafe ETF Com 46432F842   7,241,645 97,570 SH   SOLE 0 97,520 0 50
Ishares Core Msci Eafe ETF Com 46432F842   1,574,280 21,211 SH   OTR 0 21,211 0 0
iShares Core MSCI EM ETF COM 46434G103   74,046 1,435 SH   DFND 1 0 0 1,435
iShares Core MSCI Total Int'l St COM 46432F834   3,824,454 56,358 SH   DFND 1 0 0 56,358
iShares Core S&P 500 COM 464287200   2,664,399 5,068 SH   DFND 1 0 0 5,068
Ishares Core S&P 500 ETF Com 464287200   2,093,457 3,982 SH   SOLE 0 3,982 0 0
iShares Core S&P Mid-Cap COM 464287507   58,007 955 SH   DFND 1 0 0 955
Ishares Core S&P Mid-Cap ETF Com 464287507   2,888,794 47,560 SH   SOLE 0 47,560 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507   1,171,978 19,295 SH   OTR 0 18,570 0 725
iShares Core S&P Small-Cap COM 464287804   136,934 1,239 SH   DFND 1 0 0 1,239
Ishares Core S&P Small-Cap ETF Com 464287804   1,056,903 9,563 SH   SOLE 0 9,563 0 0
Ishares Core S&P Small-Cap ETF Com 464287804   44,208 400 SH   OTR 0 400 0 0
Ishares Core S&P US COM 464287671   11,887,907 101,424 SH   DFND 1 0 0 101,424
Ishares Core Total U.S. Aggreg Com 464287226   459,632 4,693 SH   SOLE 0 4,693 0 0
Ishares Core Total U.S. Aggreg Com 464287226   112,435 1,148 SH   OTR 0 516 0 632
iShares Core US Aggregate Bond E COM 464287226   4,460,112 45,544 SH   DFND 1 0 0 45,544
Ishares DJ Select Dividend ETF Com 464287168   227,760 1,849 SH   SOLE 0 1,849 0 0
Ishares DJ Select Dividend ETF Com 464287168   18,477 150 SH   OTR 0 150 0 0
iShares DJ US Consumer Goods COM 464287812   13,188 195 SH   DFND 1 0 0 195
Ishares DJ US Telcom Sector ET Com 464287713   399,772 18,188 SH   SOLE 0 18,188 0 0
Ishares DJ US Telcom Sector ET Com 464287713   455,008 20,701 SH   OTR 0 20,501 200 0
iShares DowJones EPAC Select D COM 464288448   70,857 2,527 SH   DFND 1 0 0 2,527
iShares Edge MSCI Min Vol USA COM 46429B697   147,575 1,742 SH   DFND 1 0 0 1,742
iShares Edge MSCI USA Value Fact COM 46432F388   59,029 545 SH   DFND 1 0 0 545
Ishares Esg Advanced COM 46436E759   11,037 162 SH   DFND 1 0 0 162
Ishares Esg Advanced COM 46436E767   11,037 162 SH   DFND 1 0 0 162
iShares ESG Aware MSCI USA ETF Com 46435G425   221,298 1,925 SH   SOLE 0 1,925 0 0
iShares ESG MSCI EM COM 46434G863   65,040 2,018 SH   DFND 1 0 0 2,018
iShares ESG MSCI USA COM 46435G425   1,163,970 10,125 SH   DFND 1 0 0 10,125
iShares ESG U.S. Aggregate Bond COM 46435U549   6,165 131 SH   DFND 1 0 0 131
Ishares Fallen Angels COM 46435G474   207,601 7,729 SH   DFND 1 0 0 7,729
iShares Global Energy COM 464287341   3,866 90 SH   DFND 1 0 0 90
iShares Global Financials ETF COM 464287333   45,054 520 SH   DFND 1 0 0 520
iShares Global Tech COM 464287291   67,778 906 SH   DFND 1 0 0 906
Ishares Gold Etf COM 464285204   2,395 57 SH   DFND 1 0 0 57
iShares GSCI Commodity Dynamic R COM 46431W853   56,781 2,103 SH   DFND 1 0 0 2,103
Ishares High Yield Sys COM 46435G250   794 17 SH   DFND 1 0 0 17
Ishares Iboxx High Yield COM 464288513   1,196,420 15,392 SH   DFND 1 0 0 15,392
Ishares IBoxx High Yield Corpo Com 464288513   2,965,166 38,147 SH   SOLE 0 38,147 0 0
Ishares IBoxx High Yield Corpo Com 464288513   208,550 2,683 SH   OTR 0 2,683 0 0
iShares iBoxx InvGrade Corp Bd COM 464287242   272,518 2,502 SH   DFND 1 0 0 2,502
iShares International Treasury B COM 464288117   40 1 SH   DFND 1 0 0 1
iShares J.P. Morgan USD Emerging COM 464288281   27,887 311 SH   DFND 1 0 0 311
iShares KLD 400 Social Index COM 464288570   410,498 4,072 SH   DFND 1 0 0 4,072
Ishares Mbs Etf IV COM 464288588   259,885 2,812 SH   DFND 1 0 0 2,812
Ishares Morgstar Mid Cap COM 464288307   116,763 1,652 SH   DFND 1 0 0 1,652
ISHARES MORNINGSTAR GROWTH ETF COM 464287119   21,587 286 SH   DFND 1 286 0 0
Ishares Msci Eafe ETF Com 464287465   4,511,886 56,497 SH   SOLE 0 53,591 0 2,906
Ishares Msci Eafe ETF Com 464287465   1,721,861 21,561 SH   OTR 0 21,286 200 75
iShares MSCI EAFE Growth COM 464288885   516,459 4,976 SH   DFND 1 0 0 4,976
Ishares MSCI EAFE Growth ETF Com 464288885   21,527,219 207,411 SH   SOLE 0 205,578 0 1,833
Ishares MSCI EAFE Growth ETF Com 464288885   4,041,240 38,937 SH   OTR 0 38,857 0 80
Ishares Msci Eafe Small Cap ET Com 464288273   2,672,083 42,193 SH   SOLE 0 42,183 0 10
Ishares Msci Eafe Small Cap ET Com 464288273   485,108 7,660 SH   OTR 0 7,660 0 0
iShares MSCI EAFE Small-Cap COM 464288273   3,736 59 SH   DFND 1 0 0 59
Ishares Msci Eafe Value COM 464288877   676,192 12,430 SH   DFND 1 0 0 12,430
iShares MSCI Emerg Mkt Min Vol Com 464286533   267,954 4,735 SH   SOLE 0 4,735 0 0
iShares MSCI Emerg Mkt Min Vol Com 464286533   73,963 1,307 SH   OTR 0 1,307 0 0
Ishares Msci Emerging COM 46434G764   4,145 72 SH   DFND 1 0 0 72
Ishares Msci Emerging Mkt ETF Com 464287234   2,975,255 72,426 SH   SOLE 0 70,683 525 1,218
Ishares Msci Emerging Mkt ETF Com 464287234   909,051 22,129 SH   OTR 0 21,193 561 375
iShares MSCI USA ESG Select ET Com 464288802   586,570 5,373 SH   SOLE 0 5,373 0 0
Ishares Msci Usa Momntum COM 46432F396   37,283 199 SH   DFND 1 0 0 199
Ishares Msci Usa Qlty COM 46432F339   150,380 915 SH   DFND 1 0 0 915
Ishares Nasdaq Biotech ETF Com 464287556   2,624,873 19,129 SH   SOLE 0 18,336 96 697
Ishares Nasdaq Biotech ETF Com 464287556   1,515,458 11,044 SH   OTR 0 9,263 240 1,541
iShares Nasdaq Biotechnology COM 464287556   20,583 150 SH   DFND 1 0 0 150
Ishares New York Muni Bond ETF Com 464288323   3,747,059 69,635 SH   SOLE 0 65,895 0 3,740
Ishares New York Muni Bond ETF Com 464288323   1,407,078 26,149 SH   OTR 0 22,774 0 3,375
iShares Russell 1000 COM 464287622   576 2 SH   DFND 1 0 0 2
IShares Russell 1000 ETF Com 464287622   269,308 935 SH   SOLE 0 935 0 0
Ishares Russell 1000 Growth ET Com 464287614   370,755 1,100 SH   SOLE 0 1,100 0 0
iShares Russell 2000 COM 464287655   154,150 733 SH   DFND 1 0 0 733
Ishares Russell 2000 ETF Com 464287655   5,853,670 27,835 SH   SOLE 0 26,151 0 1,684
Ishares Russell 2000 ETF Com 464287655   999,030 4,751 SH   OTR 0 4,617 100 34
Ishares Russell 2000 Growth ET Com 464287648   437,884 1,617 SH   SOLE 0 1,617 0 0
Ishares Russell 2000 Growth ET Com 464287648   553,515 2,044 SH   OTR 0 2,004 40 0
Ishares Russell 2000 Value ETF Com 464287630   483,894 3,047 SH   SOLE 0 3,047 0 0
Ishares Russell 2000 Value ETF Com 464287630   15,087 95 SH   OTR 0 0 95 0
Ishares Russell Mid Cap ETF Com 464287499   201,984 2,402 SH   SOLE 0 2,402 0 0
Ishares Russell Mid Cap ETF Com 464287499   26,909 320 SH   OTR 0 320 0 0
Ishares Russell Midcap Growth Com 464287481   701,619 6,147 SH   OTR 0 6,147 0 0
Ishares Russell MidCap Value Com 464287473   270,462 2,158 SH   SOLE 0 2,158 0 0
IShares Russell Top 200 Growth Com 464289438   337,523 1,730 SH   SOLE 0 1,730 0 0
Ishares S&P 100 Etf COM 464287101   1,732 7 SH   DFND 1 0 0 7
Ishares S&P 500 Growth COM 464287309   25,248 299 SH   DFND 1 0 0 299
Ishares S&P 500 Growth ETF Com 464287309   684,808 8,110 SH   SOLE 0 8,110 0 0
Ishares S&P 500 Growth ETF Com 464287309   24,403 289 SH   OTR 0 289 0 0
Ishares S&P 500 Value COM 464287408   16,813 90 SH   DFND 1 0 0 90
Ishares S&P 500 Value ETF Com 464287408   748,548 4,007 SH   SOLE 0 4,007 0 0
Ishares S&P Midcap 400/Grwth E Com 464287606   347,298 3,806 SH   SOLE 0 3,806 0 0
Ishares S&P Pref Stk ETF Com 464288687   2,056,564 63,809 SH   SOLE 0 63,809 0 0
Ishares S&P Pref Stk ETF Com 464288687   290,682 9,019 SH   OTR 0 5,839 0 3,180
Ishares S&P Small Cap COM 464287879   79,845 777 SH   DFND 1 0 0 777
Ishares S&P Smallcap/600 Growt Com 464287887   305,777 2,339 SH   SOLE 0 2,339 0 0
Ishares S&P Smallcap/600 Growt Com 464287887   118,049 903 SH   OTR 0 903 0 0
Ishares S&P Smll Cap 600 COM 464287887   3,689,593 28,223 SH   DFND 1 0 0 28,223
iShares Short-Term Corporate Bon COM 464288646   126,097 2,459 SH   DFND 1 0 0 2,459
iShares Silver Trust COM 46428Q109   3,526 155 SH   DFND 1 0 0 155
iShares TIPS Bond ETF COM 464287176   3,936,576 36,650 SH   DFND 1 0 0 36,650
Ishares Total Usd Bond COM 46434V613   1,600,938 35,116 SH   DFND 1 0 0 35,116
Ishares Tr 10 Yr Invst Grd Com 464289511   485,997 9,435 SH   SOLE 0 9,435 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   9,193,171 179,274 SH   SOLE 0 179,274 0 0
iShares TR 1-5 Yr Inv Gr Corp Com 464288646   5,078,412 99,033 SH   OTR 0 90,363 0 8,670
iShares Tr Intrm Gov Cr ETF Com 464288612   1,259,718 12,115 SH   SOLE 0 12,115 0 0
Ishares Tr Rus 1000 Val ETF Com 464287598   246,276 1,375 SH   SOLE 0 1,375 0 0
Ishares Treasury COM 46434V860   79,634 1,571 SH   DFND 1 0 0 1,571
iShares U.S. Infrastructure ETF COM 46435U713   79,999 1,845 SH   DFND 1 0 0 1,845
iShares U.S. Medical Devices COM 464288810   24,608 420 SH   DFND 1 0 0 420
iShares U.S. Treasury Bond COM 46429B267   607,344 26,673 SH   DFND 1 0 0 26,673
iShares US Energy ETF COM 464287796   72,123 1,460 SH   DFND 1 0 0 1,460
Ishares US Technology COM 464287721   107,643 797 SH   DFND 1 0 0 797
Ishrs 0-5 Year Inv Grd COM 46434V100   57,981 1,178 SH   DFND 1 0 0 1,178
Ishs Msci Emerg Mrkt Min COM 464286533   180,805 3,195 SH   DFND 1 0 0 3,195
Jacobs Solutions Inc Com 46982L108   260,111 1,692 SH   SOLE 0 1,692 0 0
Jacobs Solutions Inc Com 46982L108   463,496 3,015 SH   OTR 0 1,115 0 1,900
Jd Com Inc COM 47215P106   1,369 50 SH   DFND 1 0 0 50
JetBlue Airways Corporation COM 477143101   1,484 200 SH   DFND 1 0 0 200
Johnson & Johnson Com 478160104   10,360,970 65,497 SH   SOLE 0 60,255 0 5,242
Johnson & Johnson Com 478160104   6,937,422 43,855 SH   OTR 0 40,069 260 3,526
Johnson & Johnson COM 478160104   462,547 2,924 SH   DFND 1 156 0 2,768
JP Morgan Chase & CO Com 46625H100   16,294,812 81,352 SH   SOLE 0 79,422 112 1,818
JP Morgan Chase & CO Com 46625H100   12,620,102 63,006 SH   OTR 0 58,153 544 4,309
JPMorgan Chase & Co. COM 46625H100   404,448 2,019 SH   DFND 1 1,110 0 909
JPMorgan Equity Premium Income E COM 46641Q332   40,039 692 SH   DFND 1 0 0 692
JPMorgan Municipal ETF Com 46641Q647   1,409,304 27,775 SH   SOLE 0 27,775 0 0
JPMorgan Municipal ETF Com 46641Q647   403,129 7,945 SH   OTR 0 7,945 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   154,882 3,070 SH   SOLE 0 3,070 0 0
JPMorgan Ultra-Short Income ET Com 46641Q837   263,046 5,214 SH   OTR 0 5,214 0 0
Kellogg Co COM 487836108   10,541 184 SH   DFND 1 0 0 184
KeyCorp COM 493267108   31,022 1,962 SH   DFND 1 0 0 1,962
Kimberly Clark Corp Com 494368103   682,063 5,273 SH   SOLE 0 5,273 0 0
Kimberly Clark Corp Com 494368103   122,883 950 SH   OTR 0 950 0 0
Kimberly-Clark Corporation COM 494368103   13,582 105 SH   DFND 1 0 0 105
Kkr & Co Inc COM 48251W104   86,499 860 SH   DFND 1 0 0 860
Kraft Heinz CO Com 500754106   209,260 5,671 SH   SOLE 0 5,671 0 0
Kraft Heinz CO Com 500754106   261,289 7,081 SH   OTR 0 7,081 0 0
Kraft Heinz Company COM 500754106   1,218 33 SH   DFND 1 0 0 33
KraneShares CSI China Internet E COM 500767306   2,625 100 SH   DFND 1 0 0 100
Kyndryl Hldgs Inc COM 50155Q100   24,154 1,110 SH   DFND 1 0 0 1,110
Ladrx Corp COM 232828707   2 1 SH   DFND 1 0 0 1
Lam Research Corporation COM 512807108   151,565 156 SH   DFND 1 0 0 156
Lexington Realty C PFD Series C COM 529043309   4,637 100 SH   DFND 1 0 0 100
Lilly Eli & CO Com 532457108   1,769,081 2,274 SH   SOLE 0 1,731 0 543
Lilly Eli & CO Com 532457108   5,698,557 7,325 SH   OTR 0 6,190 25 1,110
LILLY ELI & CO COM 532457108   99,973 129 SH   DFND 1 129 0 0
Lincoln National Corp. COM 534187208   30,653 960 SH   DFND 1 0 0 960
Linde PLC Com G54950103   2,524,508 5,437 SH   SOLE 0 5,437 0 0
Linde PLC Com G54950103   1,755,594 3,781 SH   OTR 0 2,856 0 925
Lithium Amers Argentin COM 53681K100   539 100 SH   DFND 1 0 0 100
Lithium Amers Corp COM 53680Q207   672 100 SH   DFND 1 0 0 100
Lockheed Martin Corp Com 539830109   3,472,292 7,634 SH   SOLE 0 7,082 0 552
Lockheed Martin Corp Com 539830109   1,128,078 2,480 SH   OTR 0 2,480 0 0
LOCKHEED MARTIN CORP COM 539830109   173,305 381 SH   DFND 1 300 0 81
Lowes Companies Inc COM 548661107   185,838 729 SH   DFND 1 505 0 224
Lowes Cos Inc Com 548661107   10,451,827 41,031 SH   SOLE 0 40,481 25 525
Lowes Cos Inc Com 548661107   8,816,205 34,610 SH   OTR 0 33,671 215 724
Lumen Technologies, Inc. COM 550241103   61 39 SH   DFND 1 0 0 39
Lvmh Moet Hennessy Lou COM 502441306   4,526 25 SH   DFND 1 0 0 25
Lyft Inc COM 55087P104   4,838 250 SH   DFND 1 0 0 250
M&T Bank Corp. COM 55261F104   24,288 167 SH   DFND 1 0 0 167
Markel Group INC COM Com 570535104   136,933 90 SH   SOLE 0 90 0 0
Markel Group INC COM Com 570535104   432,100 284 SH   OTR 0 284 0 0
Marriott International Inc Com 571903202   708,991 2,810 SH   SOLE 0 2,810 0 0
Marriott International Inc Com 571903202   18,923 75 SH   OTR 0 75 0 0
Marsh & Mc Lennan Co COM 571748102   10,299 50 SH   DFND 1 0 0 50
Marsh & McLennan Companies Inc Com 571748102   2,606,677 12,655 SH   SOLE 0 12,600 0 55
Marsh & McLennan Companies Inc Com 571748102   3,919,181 19,027 SH   OTR 0 18,635 0 392
Martin Marietta Matls Inc Com 573284106   104,370 170 SH   SOLE 0 170 0 0
Martin Marietta Matls Inc Com 573284106   408,270 665 SH   OTR 0 665 0 0
Masco Corp Com 574599106   414,830 5,259 SH   SOLE 0 5,259 0 0
Masco Corp Com 574599106   10,491 133 SH   OTR 0 133 0 0
Mastercard Inc Cl A Com 57636Q104   1,198,628 2,489 SH   SOLE 0 2,489 0 0
Mastercard Inc Cl A Com 57636Q104   2,559,545 5,315 SH   OTR 0 5,273 0 42
Mastercard Incorporated COM 57636Q104   2,408 5 SH   DFND 1 0 0 5
Materials Select SPDR Fund Com 81369Y100   1,753,874 18,881 SH   SOLE 0 16,849 0 2,032
Materials Select SPDR Fund Com 81369Y100   751,294 8,088 SH   OTR 0 7,483 290 315
Mc Donalds Corp COM 580135101   24,248 86 SH   DFND 1 0 0 86
McCormick & CO Inc Com 579780206   216,220 2,815 SH   SOLE 0 2,815 0 0
McCormick & CO Inc Com 579780206   266,761 3,473 SH   OTR 0 3,473 0 0
McDonalds Corp Com 580135101   9,565,718 33,927 SH   SOLE 0 33,614 58 255
McDonalds Corp Com 580135101   6,568,589 23,297 SH   OTR 0 22,275 238 784
McKesson Corp Com 58155Q103   374,721 698 SH   SOLE 0 698 0 0
Medclean Tech Inc Xxx COM 58405Y302   0 1 SH   DFND 1 0 0 1
Medtronic Inc. COM G5960L103   32,768 376 SH   DFND 1 0 0 376
Medtronic PLC Com G5960L103   938,867 10,773 SH   SOLE 0 10,773 0 0
Medtronic PLC Com G5960L103   790,973 9,076 SH   OTR 0 8,505 71 500
Mercadolibre, Inc. COM 58733R102   30,272 20 SH   DFND 1 0 0 20
Merck & CO Inc Com 58933Y105   7,329,163 55,545 SH   SOLE 0 53,925 620 1,000
Merck & CO Inc Com 58933Y105   6,426,889 48,707 SH   OTR 0 47,366 291 1,050
Merck & Co. Inc. COM 58933Y105   95,748 725 SH   DFND 1 135 0 590
Meta Platforms Inc Com 30303M102   2,237,067 4,607 SH   SOLE 0 4,607 0 0
Meta Platforms Inc Com 30303M102   1,650,972 3,400 SH   OTR 0 3,375 25 0
Meta Platforms, Inc. COM 30303M102   46,616 96 SH   DFND 1 0 0 96
Metlife Inc Com 59156R108   489,348 6,603 SH   SOLE 0 6,603 0 0
Metlife Inc Com 59156R108   119,391 1,611 SH   OTR 0 1,300 111 200
MetLife, Inc. COM 59156R108   24,530 331 SH   DFND 1 0 0 331
MGE ENERGY INC COM 55277P104   145,846 1,853 SH   DFND 1 1,853 0 0
Microchip Technology Inc Com 595017104   2,889,200 32,206 SH   SOLE 0 32,206 0 0
Microchip Technology Inc Com 595017104   682,424 7,607 SH   OTR 0 6,577 280 750
Microsoft Corp Com 594918104   32,542,692 77,350 SH   SOLE 0 74,007 90 3,253
Microsoft Corp Com 594918104   51,539,462 122,503 SH   OTR 0 120,228 672 1,603
Microsoft Corporation COM 594918104   577,321 1,372 SH   DFND 1 417 0 955
Midcap SPDR Trust Series 1 Com 78467Y107   9,125,106 16,400 SH   SOLE 0 15,408 0 992
Midcap SPDR Trust Series 1 Com 78467Y107   1,131,551 2,034 SH   OTR 0 1,952 50 32
Moelis & Company COM 60786M105   3,209 57 SH   DFND 1 0 0 57
Mondelez International Inc Com 609207105   2,439,360 34,848 SH   SOLE 0 33,634 0 1,214
Mondelez International Inc Com 609207105   3,284,820 46,926 SH   OTR 0 46,166 0 760
Mondelez International, Inc. COM 609207105   7,000 100 SH   DFND 1 0 0 100
Monster Beverage Corp New Com 61174X109   111,743 1,885 SH   SOLE 0 1,885 0 0
Monster Beverage Corp New Com 61174X109   243,937 4,115 SH   OTR 0 4,115 0 0
Moodys Corp Com 615369105   106,904 272 SH   SOLE 0 272 0 0
Moodys Corp Com 615369105   275,514 701 SH   OTR 0 701 0 0
Moody's Corporation COM 615369105   3,144 8 SH   DFND 1 0 0 8
Morgan Stanley Com 617446448   588,782 6,253 SH   SOLE 0 6,253 0 0
Morgan Stanley Com 617446448   64,029 680 SH   OTR 0 680 0 0
Morgan Stanley COM 617446448   9,416 100 SH   DFND 1 0 0 100
Motley Fool 100 Index ETF COM 74933W601   24,805 500 SH   DFND 1 0 0 500
NBT Bancorp Inc Com 628778102   7,763,139 211,645 SH   SOLE 0 1,253 0 210,392
NBT Bancorp Inc Com 628778102   2,407,842 65,645 SH   OTR 0 9,394 0 56,251
NBT Bancorp Inc. COM 628778102   738,874 20,144 SH   DFND 1 0 0 20,144
Netflix Inc Com 64110L106   561,173 924 SH   SOLE 0 924 0 0
Netflix Inc Com 64110L106   1,090,157 1,795 SH   OTR 0 1,795 0 0
Netflix, Inc. COM 64110L106   80,775 133 SH   DFND 1 0 0 133
New York Cmnty Banco COM 649445103   4,508 1,400 SH   DFND 1 0 0 1,400
Newmont Mining Corp. COM 651639106   3,763 105 SH   DFND 1 0 0 105
NEXE Innovations Inc. COM 65344W107   659 3,000 SH   DFND 1 0 0 3,000
Nextdoor Hldgs Inc COM 65345M108   1,125 500 SH   DFND 1 0 0 500
Nextera Energy Inc Com 65339F101   1,953,537 30,567 SH   SOLE 0 28,767 0 1,800
Nextera Energy Inc Com 65339F101   2,717,517 42,521 SH   OTR 0 32,826 84 9,611
Nextera Energy Inc COM 65339F101   69,470 1,087 SH   DFND 1 0 0 1,087
Nike Inc-Class B Com 654106103   2,631,346 27,999 SH   SOLE 0 27,754 0 245
Nike Inc-Class B Com 654106103   2,087,954 22,217 SH   OTR 0 22,217 0 0
Norfolk Southern Corp Com 655844108   960,605 3,769 SH   SOLE 0 3,769 0 0
Norfolk Southern Corp Com 655844108   823,995 3,233 SH   OTR 0 2,933 0 300
Northrop Grumman Corporation Com 666807102   351,815 735 SH   OTR 0 735 0 0
Northrop Grumman Corporation COM 666807102   48,529 101 SH   DFND 1 0 0 101
Novartis AG COM 66987V109   5,514 57 SH   DFND 1 0 0 57
Novartis Ag Spons ADR Com 66987V109   1,286,025 13,295 SH   SOLE 0 12,995 0 300
Novartis Ag Spons ADR Com 66987V109   1,223,731 12,651 SH   OTR 0 12,551 100 0
Nucor Corp Com 670346105   1,103,886 5,578 SH   SOLE 0 5,578 0 0
Nucor Corp Com 670346105   153,373 775 SH   OTR 0 775 0 0
Nucor Corporation COM 670346105   19,790 100 SH   DFND 1 0 0 100
Nvidia Corp Com 67066G104   4,659,229 5,157 SH   SOLE 0 4,780 0 377
Nvidia Corp Com 67066G104   1,407,746 1,558 SH   OTR 0 1,455 28 75
NVIDIA Corporation COM 67066G104   80,417 89 SH   DFND 1 0 0 89
Oneok Inc Com 682680103   841,785 10,500 SH   OTR 0 10,500 0 0
Oracle Corp. COM 68389X105   201,604 1,605 SH   DFND 1 0 0 1,605
Oracle Corporation Com 68389X105   4,384,166 34,903 SH   SOLE 0 33,403 0 1,500
Oracle Corporation Com 68389X105   2,235,230 17,795 SH   OTR 0 15,186 109 2,500
O'Reilly Automotive Inc Com 67103H107   618,626 548 SH   SOLE 0 548 0 0
Organon & Co. Common Stock COM 68622V106   1,072 57 SH   DFND 1 0 0 57
O'Shares FTSE U.S. Quality Divid COM 67110P407   61,367 1,242 SH   DFND 1 0 0 1,242
O'Shares Global Internet COM 67110P704   17,517 457 SH   DFND 1 0 0 457
Otis Worldwide Corp Com 68902V107   853,077 8,594 SH   SOLE 0 8,137 50 407
Otis Worldwide Corp Com 68902V107   826,770 8,329 SH   OTR 0 7,696 533 100
Ouster Inc COM 68989M103   397 50 SH   DFND 1 0 0 50
Pacer US Small Cap Cash Cows 1 Com 69374H857   251,271 5,111 SH   OTR 0 5,111 0 0
Palantir Technologies, Inc. Com 69608A108   318,988 13,863 SH   OTR 0 13,863 0 0
Palatin Technologies Inc. COM 696077403   150 80 SH   DFND 1 0 0 80
Palo Alto Networks Com 697435105   1,551,066 5,459 SH   SOLE 0 5,439 0 20
Palo Alto Networks Com 697435105   766,867 2,699 SH   OTR 0 2,316 20 363
Paychex Inc Com 704326107   406,345 3,309 SH   SOLE 0 3,309 0 0
Paychex Inc Com 704326107   84,732 690 SH   OTR 0 490 200 0
Paypal Holdings Inc Com 70450Y103   246,322 3,677 SH   SOLE 0 3,677 0 0
Paypal Holdings Inc Com 70450Y103   127,951 1,910 SH   OTR 0 60 0 1,850
PayPal Holdings, Inc. COM 70450Y103   4,354 65 SH   DFND 1 0 0 65
Pepsico Inc Com 713448108   9,457,190 54,038 SH   SOLE 0 53,345 0 693
Pepsico Inc Com 713448108   5,844,984 33,398 SH   OTR 0 31,946 294 1,158
Pepsico, Inc. COM 713448108   213,687 1,221 SH   DFND 1 0 0 1,221
Petrochina Co 'H'CNY1 Com 011014674   14,533 17,000 SH   SOLE 0 17,000 0 0
Petroleo Brasileiro COM 71654V408   3,955 260 SH   DFND 1 0 0 260
Pfizer Inc Com 717081103   3,344,763 120,532 SH   SOLE 0 114,561 0 5,971
Pfizer Inc Com 717081103   2,120,489 76,414 SH   OTR 0 73,920 994 1,500
Pfizer Inc. COM 717081103   336,228 12,116 SH   DFND 1 1,101 0 11,015
Philip Morris International Com 718172109   776,296 8,473 SH   SOLE 0 7,798 0 675
Philip Morris International Com 718172109   2,165,530 23,636 SH   OTR 0 23,636 0 0
Philip Morris Intl, Inc. COM 718172109   10,994 120 SH   DFND 1 0 0 120
Phillips 66 Com 718546104   267,714 1,639 SH   SOLE 0 1,609 0 30
Phillips 66 Com 718546104   8,167 50 SH   OTR 0 50 0 0
Phillips 66 COM 718546104   152,054 931 SH   DFND 1 790 0 141
Piedmont Office Realty Tr Inc. COM 720190206   8,745 1,244 SH   DFND 1 0 0 1,244
PIMCO 0-5 Year High Yield Corp Com 72201R783   133,957 1,433 SH   SOLE 0 1,433 0 0
PIMCO 0-5 Year High Yield Corp Com 72201R783   157,514 1,685 SH   OTR 0 1,685 0 0
Pimco Dynamic Income Cf COM 72201Y101   9,394 487 SH   DFND 1 0 0 487
PIMCO MUNICIPAL INCOME C COM 72200R107   20,526 2,200 SH   DFND 1 2,200 0 0
Pioneer Natural Res Co COM 723787107   18,375 70 SH   DFND 1 0 0 70
PLUG POWER INC COM 72919P103   172 50 SH   DFND 1 50 0 0
PORTILLOS INC COM 73642K106   14,180 1,000 SH   DFND 1 1,000 0 0
PPL Corporation COM 709051106   32,375 1,176 SH   DFND 1 0 0 1,176
Predictive Technology Group, Inc COM 74039H102   0 5 SH   DFND 1 0 0 5
Procter & Gamble CO Com 742718109   11,412,178 70,337 SH   SOLE 0 65,595 215 4,527
Procter & Gamble CO Com 742718109   14,196,551 87,498 SH   OTR 0 83,043 380 4,075
ProShares S&P 500 Div Aristocrat COM 74348A467   206,572 2,037 SH   DFND 1 0 0 2,037
Prudential Financial, Inc. COM 744320102   62,909 536 SH   DFND 1 0 0 536
Prudential Finl Inc Com 744320102   1,675,533 14,272 SH   SOLE 0 14,272 0 0
Prudential Finl Inc Com 744320102   1,461,278 12,447 SH   OTR 0 12,097 150 200
Public Service Enterprise Grou Com 744573106   101,639 1,522 SH   SOLE 0 1,522 0 0
Public Service Enterprise Grou Com 744573106   170,289 2,550 SH   OTR 0 2,550 0 0
Public Srvc Enterprise Grp Inc COM 744573106   63,708 954 SH   DFND 1 0 0 954
Qualcomm Inc Com 747525103   4,094,182 24,183 SH   SOLE 0 23,758 0 425
Qualcomm Inc Com 747525103   1,952,876 11,535 SH   OTR 0 10,810 225 500
QUALCOMM Inc. COM 747525103   5,079 30 SH   DFND 1 0 0 30
Quanta Services Inc COM 74762E102   25,980 100 SH   DFND 1 0 0 100
Quanta Services Incorporated Com 74762E102   1,446,566 5,568 SH   OTR 0 2,068 0 3,500
Raytheon Technologies Co COM 75513E101   1,707,774 1,751 SH   DFND 1 688 0 1,063
Rbc Bearings Inc Com 75524B104   180,594 668 SH   SOLE 0 668 0 0
Rbc Bearings Inc Com 75524B104   935,141 3,459 SH   OTR 0 3,276 0 183
Real Estate Select Sect SPDR Com 81369Y860   1,077,193 27,250 SH   SOLE 0 25,132 105 2,013
Real Estate Select Sect SPDR Com 81369Y860   1,377,818 34,855 SH   OTR 0 34,704 26 125
Restaurant Brands COM 76131D103   6,038 76 SH   DFND 1 0 0 76
Rivian Automotive, Inc. COM 76954A103   4,380 400 SH   DFND 1 0 0 400
ROCKWELL AUTOMATION COM 773903109   5,244 18 SH   DFND 1 18 0 0
Roper Technologies Inc Com 776696106   92,539 165 SH   SOLE 0 165 0 0
Roper Technologies Inc Com 776696106   1,148,600 2,048 SH   OTR 0 2,048 0 0
RTX Corporation Com 75513E101   4,273,082 43,813 SH   SOLE 0 42,723 100 990
RTX Corporation Com 75513E101   3,995,316 40,965 SH   OTR 0 38,284 1,186 1,495
Rxo Inc COM 74982T103   2,821 129 SH   DFND 1 0 0 129
S E I Investments Co COM 784117103   216,060 3,005 SH   DFND 1 0 0 3,005
S&P Global Inc Com 78409V104   202,089 475 SH   SOLE 0 475 0 0
S&P Global Inc Com 78409V104   1,692,440 3,978 SH   OTR 0 2,478 0 1,500
Salesforce Inc Com 79466L302   2,451,906 8,141 SH   SOLE 0 8,078 0 63
Salesforce Inc Com 79466L302   1,786,600 5,932 SH   OTR 0 5,823 34 75
salesforce.com, inc. COM 79466L302   7,530 25 SH   DFND 1 0 0 25
Sandoz Group Ag COM 799926100   331 11 SH   DFND 1 0 0 11
Savient Pharmaceuticaxxx COM 80517Q100   0 500 SH   DFND 1 0 0 500
SCE Trust II Trust Preferred COM 78407R204   5,882 275 SH   DFND 1 0 0 275
Schlumberger Ltd Com 806857108   1,388,008 25,324 SH   SOLE 0 24,509 0 815
Schlumberger Ltd Com 806857108   824,014 15,034 SH   OTR 0 14,748 286 0
Schwab 5 10 Year Corp COM 808524698   1,869 42 SH   DFND 1 0 0 42
Schwab Emerging Markets COM 808524706   51 2 SH   DFND 1 0 0 2
Schwab Fundamental International COM 808524755   36 1 SH   DFND 1 0 0 1
Schwab Fundamental Intl COM 808524748   35 1 SH   DFND 1 0 0 1
Schwab Fundamental Intl Lg Co Com 808524755   285,414 8,015 SH   SOLE 0 8,015 0 0
Schwab Inter Term US Treasury COM 808524854   112,275 2,289 SH   DFND 1 0 0 2,289
Schwab International COM 808524805   354,341 9,081 SH   DFND 1 0 0 9,081
Schwab International Equity ET Com 808524805   3,108,138 79,655 SH   SOLE 0 79,655 0 0
Schwab International Equity ET Com 808524805   882,008 22,604 SH   OTR 0 21,939 0 665
Schwab Short-Term US Treasury COM 808524862   90,394 1,875 SH   DFND 1 0 0 1,875
Schwab U S Small Cap Etf COM 808524805   49,829 1,277 SH   DFND 1 0 0 1,277
Schwab U.S. Large-Cap COM 808524201   744,399 11,070 SH   DFND 1 0 0 11,070
Schwab U.S. Large-Cap Growth COM 808524300   593,593 6,402 SH   DFND 1 0 0 6,402
Schwab U.S. Mid-Cap COM 808524508   372,460 4,574 SH   DFND 1 0 0 4,574
Schwab U.S. Small-Cap COM 808524607   668,137 13,569 SH   DFND 1 0 0 13,569
Schwab US Aggregate Bd ETF Com 808524839   1,143,836 24,866 SH   SOLE 0 24,866 0 0
Schwab US Aggregate Bd ETF Com 808524839   659,364 14,334 SH   OTR 0 14,334 0 0
Schwab US Aggregate Bond COM 808524839   101,890 2,215 SH   DFND 1 0 0 2,215
Schwab US Broad Market COM 808524102   2,594 42 SH   DFND 1 0 0 42
Schwab US Dividend COM 808524797   5,448 68 SH   DFND 1 0 0 68
Schwab US Dividend Equity ETF Com 808524797   7,180,666 89,057 SH   SOLE 0 88,084 0 973
Schwab US Dividend Equity ETF Com 808524797   1,014,003 12,576 SH   OTR 0 12,576 0 0
Schwab US Mid-Cap ETF Com 808524508   276,781 3,399 SH   SOLE 0 3,399 0 0
Schwab US Small Cap ETF Com 808524607   2,430,880 49,368 SH   SOLE 0 49,368 0 0
Schwab US Small Cap ETF Com 808524607   406,279 8,251 SH   OTR 0 8,251 0 0
Schwab US Tips Etf COM 808524870   104 2 SH   DFND 1 0 0 2
Select Sector Health COM 81369Y209   1,625 11 SH   DFND 1 0 0 11
Sempra COM 816851109   7,183 100 SH   DFND 1 0 0 100
Servicenow Inc Com 81762P102   197,462 259 SH   SOLE 0 249 0 10
Servicenow Inc Com 81762P102   19,822 26 SH   OTR 0 0 0 26
Shell Plc COM 780259305   6,704 100 SH   DFND 1 0 0 100
Shell PLC Spon ADS Com 780259305   113,968 1,700 SH   SOLE 0 1,700 0 0
Shell PLC Spon ADS Com 780259305   519,560 7,750 SH   OTR 0 3,150 0 4,600
Sherwin Williams CO Com 824348106   1,180,575 3,399 SH   SOLE 0 3,384 0 15
Sherwin Williams CO Com 824348106   3,099,226 8,923 SH   OTR 0 8,803 0 120
Shopify Inc. COM 82509L107   3,087 40 SH   DFND 1 0 0 40
Snap Inc. COM 83304A106   1,148 100 SH   DFND 1 0 0 100
Soundhound Ai Inc COM 836100107   1,178 200 SH   DFND 1 0 0 200
Southern Company Com 842587107   1,282,639 17,879 SH   SOLE 0 17,879 0 0
Southern Company Com 842587107   564,953 7,875 SH   OTR 0 7,875 0 0
Southern Company COM 842587107   93,262 1,300 SH   DFND 1 0 0 1,300
SPDR Barclays Long Term Treasury COM 78464A664   13,691 490 SH   DFND 1 0 0 490
Spdr Bloomberg 1 10 Yr COM 78468R861   3,299 177 SH   DFND 1 0 0 177
SPDR Bloomberg Barclays High Yie COM 78464A417   6,950 73 SH   DFND 1 0 0 73
SPDR Dow Jones Global Real Estat COM 78463X749   86 2 SH   DFND 1 0 0 2
SPDR Dow Jones Industrial Aver Com 78467X109   1,281,583 3,222 SH   SOLE 0 3,222 0 0
SPDR Dow Jones Industrial Aver Com 78467X109   326,163 820 SH   OTR 0 740 0 80
SPDR Dow Jones Industrial Averag COM 78467X109   39,776 100 SH   DFND 1 0 0 100
SPDR Gold Shares COM 78463V107   167,371 5,537 SH   DFND 1 220 0 5,317
SPDR Gold Trust Com 78463V107   305,083 1,483 SH   SOLE 0 1,416 0 67
SPDR Gold Trust Com 78463V107   493,934 2,401 SH   OTR 0 2,401 0 0
Spdr Port Mrtgg Bckd Bnd COM 78464A383   26,802 1,234 SH   DFND 1 0 0 1,234
SPDR Portfolio Developed Wld e Com 78463X889   2,666,317 74,395 SH   SOLE 0 74,395 0 0
SPDR Portfolio Developed Wld e Com 78463X889   647,270 18,060 SH   OTR 0 18,060 0 0
SPDR Portfolio Developed World e COM 78463X889   27,848 777 SH   DFND 1 0 0 777
SPDR Portfolio Emerging Market Com 78463X509   392,662 10,850 SH   SOLE 0 10,850 0 0
SPDR Portfolio Emerging Market Com 78463X509   38,361 1,060 SH   OTR 0 1,060 0 0
SPDR Portfolio Emerging Markets COM 78463X509   12,630 349 SH   DFND 1 0 0 349
SPDR Portfolio Intermediate Te Com 78464A375   649,256 19,861 SH   SOLE 0 19,861 0 0
SPDR Portfolio Intermediate Term COM 78464A672   27,757 985 SH   DFND 1 0 0 985
Spdr Portfolio S&P 500 COM 78464A854   47,686 775 SH   DFND 1 0 0 775
SPDR Portfolio S&P 500 Growth ET COM 78464A409   13,606 186 SH   DFND 1 0 0 186
SPDR Portfolio S&P 500 Value E Com 78464A508   463,074 9,243 SH   SOLE 0 9,243 0 0
SPDR Portfolio S&P 500 Value ETF COM 78464A508   53,306 1,064 SH   DFND 1 0 0 1,064
SPDR Portfolio Short Term Corp Com 78464A474   1,192,884 40,070 SH   SOLE 0 40,070 0 0
SPDR Preferred Stock ETF Com 78464A292   510,497 14,640 SH   SOLE 0 14,640 0 0
SPDR S&P 500 ETF Trust Com 78462F103   7,137,133 13,645 SH   SOLE 0 13,067 0 578
SPDR S&P 500 ETF Trust Com 78462F103   1,318,659 2,521 SH   OTR 0 2,406 0 115
SPDR S&P 500 Growth ETF Com 78464A409   501,004 6,849 SH   SOLE 0 6,849 0 0
SPDR S&P Aerospace & Defense ETF COM 78464A631   843 6 SH   DFND 1 0 0 6
SPDR S&P Dividend ETF Com 78464A763   11,619,596 88,537 SH   SOLE 0 88,537 0 0
SPDR S&P Dividend ETF Com 78464A763   1,003,986 7,650 SH   OTR 0 7,650 0 0
SPDR S&P Global Infrastructure E COM 78463X855   54 1 SH   DFND 1 0 0 1
Spdr S&P Kensho New Eco COM 78468R648   11,780 245 SH   DFND 1 0 0 245
SPDR S&P Regional Banking ETF Com 78464A698   1,409,290 28,029 SH   SOLE 0 27,063 0 966
SPDR S&P Regional Banking ETF Com 78464A698   1,081,724 21,514 SH   OTR 0 21,319 100 95
Starbucks Corp Com 855244109   629,037 6,883 SH   SOLE 0 6,883 0 0
Starbucks Corp Com 855244109   959,138 10,495 SH   OTR 0 10,495 0 0
Starbucks Corporation COM 855244109   2,390 26 SH   DFND 1 0 0 26
State Street Corp COM 857477103   4,253 55 SH   DFND 1 0 0 55
Stitch Fix Inc COM 860897107   528 200 SH   DFND 1 0 0 200
Stryker Corp. COM 863667101   102,709 287 SH   DFND 1 0 0 287
Stryker Corporation Com 863667101   648,103 1,811 SH   SOLE 0 1,791 0 20
Stryker Corporation Com 863667101   119,886 335 SH   OTR 0 335 0 0
Sunpower Corp COM 867652406   18 6 SH   DFND 1 0 0 6
Synchrony Financial COM 87165B103   8,624 200 SH   DFND 1 0 0 200
Synovus Financial Corp. COM 87161C600   1,445 36 SH   DFND 1 0 0 36
Sysco Corp Com 871829107   514,681 6,340 SH   SOLE 0 6,340 0 0
Sysco Corp Com 871829107   768,369 9,465 SH   OTR 0 9,465 0 0
Sysco Corporation COM 871829107   719,498 8,863 SH   DFND 1 0 0 8,863
T Rowe Price Group COM 74144T108   14,508 119 SH   DFND 1 0 0 119
T Rowe Price Group Inc Com 74144T108   2,408,042 19,751 SH   SOLE 0 19,701 50 0
T Rowe Price Group Inc Com 74144T108   1,512,905 12,409 SH   OTR 0 11,929 295 185
Taiwan Semiconductor Spons ADR Com 874039100   53,604 394 SH   SOLE 0 394 0 0
Taiwan Semiconductor Spons ADR Com 874039100   463,658 3,408 SH   OTR 0 3,408 0 0
Take Two Interactv COM 874054109   4,752 32 SH   DFND 1 0 0 32
Target Corp Com 87612E106   2,864,013 16,162 SH   SOLE 0 15,575 0 587
Target Corp Com 87612E106   2,329,425 13,145 SH   OTR 0 10,380 165 2,600
Te Connectivity Limited Com H84989104   454,601 3,130 SH   SOLE 0 3,130 0 0
Te Connectivity Limited Com H84989104   842,828 5,803 SH   OTR 0 5,662 0 141
Technology Select Sect SPDR Com 81369Y803   2,910,990 13,977 SH   SOLE 0 13,757 121 99
Technology Select Sect SPDR Com 81369Y803   231,388 1,111 SH   OTR 0 961 150 0
Telefonaktiebolaget LM Ericsson COM 294821608   2,408 437 SH   DFND 1 0 0 437
Tesla Inc Com 88160R101   71,195 405 SH   SOLE 0 405 0 0
Tesla Inc Com 88160R101   363,885 2,070 SH   OTR 0 2,070 0 0
Tesla, Inc. COM 88160R101   347,536 1,977 SH   DFND 1 90 0 1,887
Texas Instruments Inc Com 882508104   633,079 3,634 SH   SOLE 0 3,634 0 0
Texas Instruments Inc Com 882508104   970,175 5,569 SH   OTR 0 5,437 0 132
Texas Instruments Inc. COM 882508104   2,689 15 SH   DFND 1 0 0 15
The Boeing Company COM 097023105   23,159 120 SH   DFND 1 0 0 120
The Carlyle Group Inc. COM 14316J108   12,478 266 SH   DFND 1 0 0 266
The Charles Schwab Corp COM 808513105   62,357 862 SH   DFND 1 0 0 862
The Chemours Company COM 163851108   13,130 500 SH   DFND 1 0 0 500
The Coca-Cola Company COM 191216100   17,192 281 SH   DFND 1 0 0 281
The Dow Chemical Company COM 260557103   29,371 507 SH   DFND 1 0 0 507
The Hershey Company Com 427866108   67,103 345 SH   SOLE 0 345 0 0
The Hershey Company Com 427866108   898,396 4,619 SH   OTR 0 4,619 0 0
The Procter & Gamble Company COM 742718109   586,780 3,616 SH   DFND 1 441 0 3,175
Thermo Fisher Scientific Inc Com 883556102   2,191,162 3,770 SH   SOLE 0 3,695 0 75
Thermo Fisher Scientific Inc Com 883556102   4,731,631 8,141 SH   OTR 0 7,122 0 1,019
Thermo Fisher Scientific, Inc. COM 883556102   11,624 20 SH   DFND 1 0 0 20
TJX Cos Inc Com 872540109   3,489,659 34,408 SH   SOLE 0 32,862 246 1,300
TJX Cos Inc Com 872540109   3,470,390 34,218 SH   OTR 0 33,409 455 354
T-Mobile US Inc Com 872590104   50,925 312 SH   SOLE 0 312 0 0
T-Mobile US Inc Com 872590104   473,338 2,900 SH   OTR 0 1,600 0 1,300
Toyota Motor Corp Spons ADR Com 892331307   22,651 90 SH   SOLE 0 90 0 0
Toyota Motor Corp Spons ADR Com 892331307   295,724 1,175 SH   OTR 0 1,175 0 0
Tractor Supply Co Com 892356106   136,094 520 SH   SOLE 0 520 0 0
Tractor Supply Co Com 892356106   299,669 1,145 SH   OTR 0 1,145 0 0
Trane Technologies Plc ADR Com G8994E103   733,689 2,444 SH   SOLE 0 2,444 0 0
Trane Technologies Plc ADR Com G8994E103   20,760,031 69,154 SH   OTR 0 69,154 0 0
Transdigm Group Inc Com 893641100   123,160 100 SH   SOLE 0 100 0 0
Transdigm Group Inc Com 893641100   1,570,290 1,275 SH   OTR 0 1,275 0 0
Travelers Companies Inc Com 89417E109   322,656 1,402 SH   SOLE 0 1,402 0 0
Travelers Companies Inc Com 89417E109   31,299 136 SH   OTR 0 136 0 0
Trimble Inc Com 896239100   30,185 469 SH   SOLE 0 469 0 0
Trimble Inc Com 896239100   201,189 3,126 SH   OTR 0 3,126 0 0
Truist Financial Corporation Com 89832Q109   325,327 8,346 SH   SOLE 0 8,346 0 0
Truist Financial Corporation Com 89832Q109   127,348 3,267 SH   OTR 0 3,267 0 0
U S BANCORP COM 902973304   498,913 11,161 SH   DFND 1 11,161 0 0
Uber Technologies Inc Com 90353T100   154,365 2,005 SH   SOLE 0 2,005 0 0
Uber Technologies Inc Com 90353T100   4,064,379 52,791 SH   OTR 0 52,791 0 0
Uber Technologies Inc COM 90353T100   3,850 50 SH   DFND 1 0 0 50
Under Armour Inc COM 904311206   357 50 SH   DFND 1 0 0 50
Under Armour, Inc. COM 904311107   369 50 SH   DFND 1 0 0 50
Union Pac Corp Com 907818108   4,709,560 19,150 SH   SOLE 0 18,242 0 908
Union Pac Corp Com 907818108   4,666,030 18,973 SH   OTR 0 17,343 50 1,580
United Parcel Service Cl B Com 911312106   772,430 5,197 SH   SOLE 0 5,197 0 0
United Parcel Service Cl B Com 911312106   2,015,869 13,563 SH   OTR 0 13,528 35 0
United Rentals Inc Com 911363109   31,008 43 SH   SOLE 0 43 0 0
United Rentals Inc Com 911363109   325,221 451 SH   OTR 0 451 0 0
Unitedhealth Group Inc Com 91324P102   5,505,022 11,128 SH   SOLE 0 10,888 0 240
Unitedhealth Group Inc Com 91324P102   4,727,848 9,557 SH   OTR 0 9,369 69 119
Universal Display Co COM 91347P105   16,845 100 SH   DFND 1 0 0 100
US Bancorp New Com 902973304   1,302,916 29,148 SH   SOLE 0 29,148 0 0
US Bancorp New Com 902973304   729,593 16,322 SH   OTR 0 15,298 555 469
Utilities Select Sector SPDR Com 81369Y886   1,768,480 26,938 SH   SOLE 0 22,775 0 4,163
Utilities Select Sector SPDR Com 81369Y886   925,993 14,105 SH   OTR 0 13,162 564 379
Utilities Select Sector SPDR Fun COM 81369Y886   54,227 826 SH   DFND 1 0 0 826
Vail Resorts Inc COM 91879Q109   1,175 5 SH   DFND 1 0 0 5
Vale Sa COM 91912E204   610 50 SH   DFND 1 0 0 50
Valero Energy Corp New COM 91913Y100   48,817 286 SH   DFND 1 0 0 286
VanEck BDC Income ETF COM 92189F411   895 53 SH   DFND 1 0 0 53
Vaneck ETF Trust Agribusiness Com 92189F700   819,696 10,910 SH   SOLE 0 10,129 0 781
Vaneck ETF Trust Agribusiness Com 92189F700   815,236 10,851 SH   OTR 0 10,631 125 95
Vaneck Faln Angl Hy Bnd COM 92189F437   3,620,150 124,746 SH   DFND 1 0 0 124,746
VanEck Vectors Agribusiness COM 92189F700   3,757 50 SH   DFND 1 0 0 50
Vaneck Vectors Gold Miners ETF Com 92189F106   990,465 31,324 SH   SOLE 0 31,324 0 0
Vaneck Vectors Gold Miners ETF Com 92189F106   1,668,366 52,763 SH   OTR 0 51,501 0 1,262
VanEck Vectors Social Sentiment COM 92189H839   193 9 SH   DFND 1 0 0 9
Vanguard Consumer COM 92204A207   31,029 152 SH   DFND 1 0 0 152
Vanguard Dividend Appreciation Com 921908844   150,653 825 SH   SOLE 0 825 0 0
Vanguard Dividend Appreciation Com 921908844   127,827 700 SH   OTR 0 700 0 0
Vanguard Dividend Appreciation ETF COM 921908844   27,757 152 SH   DFND 1 0 0 152
Vanguard Emerging Markt COM 921946885   64 1 SH   DFND 1 0 0 1
Vanguard Extended Market Index Com 922908652   214,815 1,226 SH   OTR 0 1,226 0 0
Vanguard FTSE All-World ex-US COM 922042775   204,258 3,483 SH   DFND 1 1,640 0 1,843
Vanguard Ftse All-World Ex-USI Com 922042775   570,899 9,734 SH   SOLE 0 9,734 0 0
Vanguard Ftse All-World Ex-USI Com 922042775   14,076 240 SH   OTR 0 240 0 0
Vanguard FTSE Developed Market Com 921943858   509,476 10,155 SH   SOLE 0 10,155 0 0
Vanguard FTSE Developed Market Com 921943858   167,518 3,339 SH   OTR 0 3,339 0 0
Vanguard Ftse Emerging COM 922042858   2,339 56 SH   DFND 1 0 0 56
Vanguard Ftse Emerging Markets Com 922042858   1,382,587 33,100 SH   SOLE 0 33,100 0 0
Vanguard Ftse Emerging Markets Com 922042858   171,633 4,109 SH   OTR 0 3,609 0 500
Vanguard Growth Index Fund ETF COM 922908736   30,290 88 SH   DFND 1 0 0 88
Vanguard Health Care COM 92204A504   87,919 325 SH   DFND 1 0 0 325
Vanguard High Dividend Yield E Com 921946406   207,135 1,712 SH   SOLE 0 1,712 0 0
Vanguard High Dividend Yield E Com 921946406   65,819 544 SH   OTR 0 544 0 0
Vanguard Index Fund Mid-Cap Com 922908629   618,404 2,475 SH   SOLE 0 2,475 0 0
Vanguard Index Fund Mid-Cap Com 922908629   90,699 363 SH   OTR 0 363 0 0
Vanguard InfoTechnology COM 92204A702   2,575,432 4,911 SH   DFND 1 0 0 4,911
Vanguard Inter Term Corp Bond Com 92206C870   975,057 12,111 SH   SOLE 0 12,111 0 0
Vanguard Inter Term Corp Bond Com 92206C870   900,746 11,188 SH   OTR 0 11,188 0 0
Vanguard Intermediate-Term Bon Com 921937819   2,142,868 28,420 SH   SOLE 0 28,420 0 0
Vanguard Intermediate-Term Bon Com 921937819   275,210 3,650 SH   OTR 0 2,150 1,500 0
Vanguard Large-Cap ETF Com 922908637   212,188 885 SH   OTR 0 885 0 0
Vanguard Materials COM 92204A801   26,780 131 SH   DFND 1 0 0 131
Vanguard Mega Cap Etf IV COM 921910873   69,889 374 SH   DFND 1 0 0 374
Vanguard Mega Cap Growth COM 921910816   21,496 75 SH   DFND 1 0 0 75
Vanguard Mega Cap Value COM 921910840   12,549 105 SH   DFND 1 0 0 105
Vanguard Mid Cap Growth COM 922908538   6,131 26 SH   DFND 1 0 0 26
Vanguard Mid Cap Value COM 922908512   4,677 30 SH   DFND 1 0 0 30
Vanguard Mid-Cap Growth Index Com 922908538   245,222 1,040 SH   SOLE 0 1,040 0 0
Vanguard Mid-Cap Growth Index Com 922908538   170,476 723 SH   OTR 0 723 0 0
Vanguard Mid-Cap Index Fd ETF Sh COM 922908629   558,687 2,236 SH   DFND 1 0 0 2,236
Vanguard Mid-Cap Value Index F Com 922908512   505,304 3,241 SH   SOLE 0 3,241 0 0
Vanguard Mid-Cap Value Index F Com 922908512   130,804 839 SH   OTR 0 839 0 0
Vanguard Real Estate ETF Com 922908553   958,804 11,087 SH   SOLE 0 11,087 0 0
Vanguard Real Estate ETF Com 922908553   457,479 5,290 SH   OTR 0 4,995 295 0
Vanguard REIT COM 922908553   58,262 674 SH   DFND 1 0 0 674
VANGUARD RUSSELL 2000 ETF IV COM 92206C664   45,470 535 SH   DFND 1 535 0 0
Vanguard S&P 500 ETF Com 922908363   2,438,110 5,072 SH   SOLE 0 4,890 0 182
Vanguard S&P 500 ETF Com 922908363   64,895 135 SH   OTR 0 135 0 0
Vanguard S&P 500 Etf COM 922908363   386,521 804 SH   DFND 1 205 0 599
Vanguard Short Term COM 92206C102   153,812 2,003 SH   DFND 1 0 0 2,003
Vanguard Short Term Bond ETF Com 921937827   606,076 7,905 SH   SOLE 0 7,905 0 0
Vanguard Short Term Bond ETF Com 921937827   76,670 1,000 SH   OTR 0 1,000 0 0
Vanguard Short Term Corp Bond Com 92206C409   991,655 12,827 SH   SOLE 0 12,827 0 0
Vanguard Short Term Corp Bond Com 92206C409   21,801 282 SH   OTR 0 282 0 0
Vanguard Short-Term Bond COM 921937827   190,295 2,482 SH   DFND 1 0 0 2,482
Vanguard Short-Term Corp Bond COM 92206C409   7,413,024 95,887 SH   DFND 1 0 0 95,887
Vanguard Short-Term Treasury E Com 92206C102   225,892 3,890 SH   SOLE 0 3,890 0 0
Vanguard Short-Term Treasury E Com 92206C102   20,325 350 SH   OTR 0 350 0 0
VANGUARD SHRT INF PROT SEC INDEX ETF COM 922020805   21,134 441 SH   DFND 1 441 0 0
Vanguard Small Cap COM 922908595   3,650 14 SH   DFND 1 0 0 14
Vanguard Small Cap Etf COM 922908751   384,946 1,684 SH   DFND 1 0 0 1,684
Vanguard Small-Cap ETF Com 922908751   214,417 938 SH   SOLE 0 938 0 0
Vanguard Small-Cap ETF Com 922908751   157,956 691 SH   OTR 0 691 0 0
Vanguard Small-Cap Value COM 922908611   3,872,714 20,183 SH   DFND 1 0 0 20,183
Vanguard Total Bond Market ETF Com 921937835   775,688 10,680 SH   SOLE 0 10,680 0 0
Vanguard Total Bond Market ETF Com 921937835   307,733 4,237 SH   OTR 0 4,237 0 0
Vanguard Total Bond Market Index COM 921937835   120,493 1,659 SH   DFND 1 0 0 1,659
Vanguard Total Intl Stock Et Com 921909768   16,884 280 SH   SOLE 0 280 0 0
Vanguard Total Intl Stock Et Com 921909768   304,214 5,045 SH   OTR 0 5,045 0 0
Vanguard Total Stock Market COM 922908769   9,916,328 38,154 SH   DFND 1 705 0 37,449
Vanguard Total Stock Market ET Com 922908769   534,354 2,056 SH   SOLE 0 2,056 0 0
Vanguard Total Stock Market ET Com 922908769   551,586 2,122 SH   OTR 0 2,122 0 0
Vanguard Value ETF Com 922908744   61,073 375 SH   SOLE 0 375 0 0
Vanguard Value ETF Com 922908744   141,926 871 SH   OTR 0 871 0 0
Vanguard Value Etf COM 922908744   10,700,553 65,704 SH   DFND 1 0 0 65,704
Vanguard Whitehall Funds COM 921946406   28,433 235 SH   DFND 1 0 0 235
Vanguard World Fund - Utilities COM 92204A876   32,039 224 SH   DFND 1 0 0 224
Veralto Corp Com 92338C103   154,180 1,739 SH   SOLE 0 1,739 0 0
Veralto Corp Com 92338C103   623,723 7,035 SH   OTR 0 7,013 6 16
Verizon Communications Com 92343V104   2,474,129 58,964 SH   SOLE 0 56,172 830 1,962
Verizon Communications Com 92343V104   1,703,870 40,607 SH   OTR 0 37,736 150 2,721
Verizon Communications Inc. COM 92343V104   331,477 7,899 SH   DFND 1 182 0 7,717
Vestas Wind Sys As Utd COM 925458101   12,454 1,350 SH   DFND 1 0 0 1,350
Viacomcbs Inc COM 92556H206   4,361 371 SH   DFND 1 0 0 371
Viatris Inc COM 92556V106   12,269 1,028 SH   DFND 1 5 0 1,023
Virtus Investment Partners, Inc. COM 92828Q109   2,976 12 SH   DFND 1 0 0 12
Visa Inc Cl A Com 92826C839   2,980,574 10,680 SH   SOLE 0 10,680 0 0
Visa Inc Cl A Com 92826C839   1,862,859 6,675 SH   OTR 0 6,575 100 0
Visa Inc. COM 92826C839   43,536 156 SH   DFND 1 0 0 156
Vision Technology Co COM 92834D100   0 100 SH   DFND 1 0 0 100
Vodafone Group plc COM 92857W209   5,189 583 SH   DFND 1 0 0 583
W E C ENERGY GROUP INC COM 976657106   74,236 904 SH   DFND 1 904 0 0
Wabtec COM 929740108   4,517 31 SH   DFND 1 0 0 31
Wal Mart Inc Com 931142103   2,495,370 41,472 SH   SOLE 0 40,272 0 1,200
Wal Mart Inc Com 931142103   2,833,285 47,088 SH   OTR 0 42,240 1,050 3,798
Walgreens Boots Alli COM 931427108   3,470 160 SH   DFND 1 0 0 160
Wal-Mart Stores Inc. COM 931142103   11,573,760 192,351 SH   DFND 1 0 0 192,351
Walt Disney Co. COM 254687106   179,380 1,466 SH   DFND 1 0 0 1,466
Warner Bros Discovery Inc. COM 934423104   21,109 2,418 SH   DFND 1 0 0 2,418
Waste Management Inc Com 94106L109   202,706 951 SH   SOLE 0 951 0 0
Waste Management Inc Com 94106L109   624,743 2,931 SH   OTR 0 2,701 0 230
Webster Finl Co COM 947890109   2,609 51 SH   DFND 1 0 0 51
Wells Fargo & CO Com 949746101   1,438,032 24,811 SH   SOLE 0 24,020 0 791
Wells Fargo & CO Com 949746101   834,334 14,395 SH   OTR 0 12,810 600 985
Wells Fargo & Company COM 949746101   50,050 863 SH   DFND 1 495 0 368
WELLTOWER INC REIT COM 95040Q104   13,082 140 SH   DFND 1 140 0 0
Wendy's International Inc. COM 95058W100   6,203 329 SH   DFND 1 0 0 329
Western Alliance Bancorporation COM 957638109   6,552 102 SH   DFND 1 0 0 102
Westrock Co COM 96145D105   17,604 356 SH   DFND 1 0 0 356
Weyerhaeuser CO REIT Com 962166104   403,772 11,244 SH   SOLE 0 10,974 0 270
Weyerhaeuser CO REIT Com 962166104   596,321 16,606 SH   OTR 0 16,606 0 0
WisdomTree MidCap Dividend COM 97717W505   1,177,439 24,143 SH   DFND 1 0 0 24,143
WisdomTree MidCap Dividend ETF Com 97717W505   2,274,340 46,634 SH   SOLE 0 45,968 0 666
WisdomTree MidCap Dividend ETF Com 97717W505   293,059 6,009 SH   OTR 0 2,999 0 3,010
WisdomTree SmallCap Dividend COM 97717W604   983,733 30,102 SH   DFND 1 0 0 30,102
WisdomTree SmallCap Dividend E Com 97717W604   745,954 22,826 SH   SOLE 0 22,733 0 93
WisdomTree SmallCap Dividend E Com 97717W604   26,863 822 SH   OTR 0 822 0 0
Wk Kellogg Co COM 92942W107   865 46 SH   DFND 1 0 0 46
Xcel Energy Inc COM 98389B100   67,886 1,263 SH   DFND 1 404 0 859
Xpo Logistics Inc COM 983793100   15,742 129 SH   DFND 1 0 0 129
Xylem Inc Com 98419M100   486,589 3,765 SH   SOLE 0 3,765 0 0
Xylem Inc Com 98419M100   96,930 750 SH   OTR 0 750 0 0
Yum China Holdings, Inc. COM 98850P109   7,282 183 SH   DFND 1 0 0 183
Yum! Brands Inc Com 988498101   254,700 1,837 SH   SOLE 0 1,837 0 0
Yum! Brands Inc Com 988498101   199,517 1,439 SH   OTR 0 1,439 0 0
Yum! Brands, Inc. COM 988498101   31,751 229 SH   DFND 1 0 0 229
Zimmer Biomet Holdings Inc Com 98956P102   456,519 3,459 SH   SOLE 0 3,269 0 190
Zimmer Biomet Holdings Inc Com 98956P102   428,275 3,245 SH   OTR 0 2,871 49 325
Zoetis Inc Com 98978V103   264,306 1,562 SH   SOLE 0 1,562 0 0
Zoetis Inc Com 98978V103   1,382,276 8,169 SH   OTR 0 8,169 0 0
Zoetis Inc COM 98978V103   73,945 437 SH   DFND 1 0 0 437