The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB Limited - ADR Com 000375204 4 160 SH   DFND   0 0 160
Aston/River Road Long-Short Fu Com 00080Y462 7,951 688,997 SH   SOLE   677,233 0 11,764
Aston/River Road Long-Short Fu Com 00080Y462 18 1,563 SH   DFND   1,563 0 0
Aflac Inc. Com 001055102 3 50 SH   DFND   0 0 50
Alerian MLP ETF Com 00162Q866 4 230 SH   SOLE   230 0 0
AT&T Inc Com 00206R102 413 11,763 SH   SOLE   11,763 0 0
AZZ Incorporated Com 002474104 351 7,865 SH   SOLE   7,865 0 0
AZZ Incorporated Com 002474104 10 220 SH   DFND   220 0 0
Abbott Laboratories Com 002824100 4 100 SH   SOLE   0 0 100
Abbvie Inc Com 00287Y109 28 550 SH   SOLE   450 0 100
Air Products & Chemicals Inc. Com 009158106 36 300 SH   SOLE   300 0 0
Alcoa Inc Com 013817101 2,724 211,650 SH   SOLE   207,520 0 4,130
Alere Inc Perp Pfd Conv Ser B Pfd Stk 01449J204 3,824 13,200 SH   SOLE   12,936 0 264
Allergan Inc Com 018490102 8 63 SH   SOLE   63 0 0
Alliant Energy Corp Com 018802108 100 1,764 SH   SOLE   1,764 0 0
Allstate Corporation Com 020002101 26 458 SH   SOLE   458 0 0
Altria Group Inc Com 02209S103 124 3,309 SH   SOLE   3,309 0 0
Altria Group Inc Com 02209S103 19 500 SH   DFND   500 0 0
Amazon.Com Inc. Com 023135106 10 30 SH   SOLE   30 0 0
Ameren Corp Com 023608102 47 1,147 SH   SOLE   1,047 0 100
American Electric Power Com 025537101 9 182 SH   SOLE   182 0 0
American Express Com 025816109 7,245 80,470 SH   SOLE   79,005 0 1,465
American Express Com 025816109 156 1,730 SH   DFND   1,730 0 0
American International Group, Com 026874784 7,649 152,942 SH   SOLE   149,747 0 3,195
American Water Works Co., Inc. Com 030420103 122 2,695 SH   SOLE   2,695 0 0
American Water Works Co., Inc. Com 030420103 9 200 SH   DFND   200 0 0
Ameriprise Financial Inc Com 03076C106 226 2,055 SH   SOLE   2,055 0 0
Ameriprise Financial Inc Com 03076C106 38 346 SH   DFND   346 0 0
Amgen Inc Com 031162100 57 460 SH   SOLE   460 0 0
Amgen Inc Com 031162100 247 2,000 SH   DFND   2,000 0 0
Anadarko Petroleum Corp. Com 032511107 30 354 SH   SOLE   354 0 0
Analog Devices Com 032654105 14 256 SH   SOLE   256 0 0
Apache Corporation Com 037411105 6,658 80,266 SH   SOLE   78,711 0 1,555
Apache Corporation Com 037411105 2 25 SH   DFND   0 0 25
Apple Computer Inc. Com 037833100 8,363 15,581 SH   SOLE   15,106 0 475
Archer Daniels Com 039483102 136 3,135 SH   SOLE   3,135 0 0
Arlington Asset Investment Com 041356205 53 2,000 SH   SOLE   2,000 0 0
ARM Holdings plc - Spon ADR Com 042068106 18 350 SH   SOLE   350 0 0
Astrazeneca PLC Sponsored ADR Com 046353108 65 1,000 SH   SOLE   1,000 0 0
Atmos Energy Corp Com 049560105 12 260 SH   SOLE   260 0 0
Automatic Data Processing, Inc Com 053015103 10 133 SH   SOLE   133 0 0
BB&T Corporation Com 054937107 5 120 SH   SOLE   120 0 0
BP PLC Sponsored ADR Com 055622104 24 500 SH   SOLE   0 0 500
BT Group PLC - Spon ADR Com 05577E101 19 294 SH   SOLE   294 0 0
Baidu Inc. - Spon ADR Com 056752108 3 21 SH   SOLE   21 0 0
Baker Hughes Inc. Com 057224107 13 200 SH   SOLE   200 0 0
Bank Of America Corporation Com 060505104 8,523 495,540 SH   SOLE   483,985 0 11,555
Baron Growth Fund #587 Com 068278209 54 741 SH   SOLE   741 0 0
Baxter International Inc Com 071813109 4,266 57,979 SH   SOLE   56,844 0 1,135
Baxter International Inc Com 071813109 5 70 SH   DFND   0 0 70
Becton Dickinson & Co Com 075887109 309 2,640 SH   SOLE   2,640 0 0
Bed Bath & Beyond Inc. Com 075896100 3 45 SH   DFND   0 0 45
Berkshire Hathaway Inc. CL B Com 084670702 294 2,355 SH   SOLE   2,355 0 0
BlackRock High Yield Bond A Com 091929679 31 3,675 SH   SOLE   3,675 0 0
BlackRock, Inc. Com 09247X101 8 25 SH   SOLE   25 0 0
Blackrock Real Asset Equity Tr Com 09254B109 12 1,375 SH   SOLE   1,375 0 0
Boardwalk Pipeline Partners, L Com 096627104 18 1,350 SH   DFND   1,350 0 0
Boeing Company Com 097023105 240 1,915 SH   SOLE   1,815 0 100
Borgwarner Inc Com 099724106 19 314 SH   SOLE   314 0 0
Boston Scientific Corp Com 101137107 2 156 SH   SOLE   156 0 0
Bristol Myers Squibb Co Com 110122108 675 13,000 SH   SOLE   13,000 0 0
Broadcom Corp. - Cl A Com 111320107 8,311 264,095 SH   SOLE   259,035 0 5,060
Brookfield Total Return Fund Com 11283U108 5 212 SH   SOLE   212 0 0
CBS Corp - Class B Com 124857202 60 963 SH   SOLE   963 0 0
Cigna Corp Com 125509109 4,230 50,515 SH   SOLE   48,645 0 1,870
Chicago Mercantile Exchange Com 12572Q105 2,135 28,850 SH   SOLE   28,380 0 470
CVS/Caremark Corp Com 126650100 5,234 69,915 SH   SOLE   68,670 0 1,245
Caterpillar Inc. Com 149123101 3 33 SH   SOLE   33 0 0
CatchMark Timber Trust, Inc A Com 14912Y202 1 107 SH   SOLE   107 0 0
Celgene Corp Com 151020104 76 543 SH   SOLE   543 0 0
Cerner Corp Com 156782104 35 628 SH   SOLE   628 0 0
ChevronTexaco Corp Com 166764100 471 3,959 SH   SOLE   3,959 0 0
ChevronTexaco Corp Com 166764100 16 135 SH   DFND   0 0 135
Chicago Bridge & Iron Co. - AD Com 167250109 52 600 SH   SOLE   600 0 0
Chubb Corp Com 171232101 19 217 SH   SOLE   217 0 0
Cisco Systems Inc. Com 17275R102 4,548 202,894 SH   SOLE   199,084 0 3,810
Cisco Systems Inc. Com 17275R102 11 500 SH   DFND   0 0 500
Citigroup Inc. Com 172967424 1 27 SH   DFND   27 0 0
Citrix Systems Inc Com 177376100 17 304 SH   SOLE   304 0 0
Guggenheim Bulletshares 2015 Com 18383M423 2,126 78,650 SH   SOLE   76,450 0 2,200
Guggenheim Bulletshares 2014 Com 18383M431 163 6,120 SH   SOLE   6,120 0 0
Clean Harbors, Inc. Com 184496107 381 6,945 SH   SOLE   6,945 0 0
Clean Harbors, Inc. Com 184496107 11 200 SH   DFND   200 0 0
Clean Energy Fuels Corp. Com 184499101 193 21,600 SH   SOLE   21,600 0 0
Clean Energy Fuels Corp. Com 184499101 9 1,000 SH   DFND   1,000 0 0
Cliffs Natural Resources Inc. Com 18683K101 2,712 132,565 SH   SOLE   130,480 0 2,085
Coca Cola Co Com 191216100 216 5,600 SH   SOLE   5,400 0 200
Coca Cola Co Com 191216100 15 400 SH   DFND   200 0 200
Cohen & Steers Quality Income Com 19247L106 20 1,908 SH   SOLE   1,908 0 0
Colgate Palmolive Co. Com 194162103 133 2,045 SH   SOLE   2,045 0 0
Columbia Intermed. Municipal B Com 19765L637 314 29,603 SH   SOLE   29,603 0 0
Columbia Strategic Income Fund Com 19765L694 38 6,291 SH   SOLE   6,291 0 0
Columbia Intermediate Bond Fun Com 19765N468 64 7,070 SH   SOLE   7,070 0 0
Comcast Corp Cl A Com 20030N101 3,783 75,605 SH   SOLE   74,255 0 1,350
Comcast Corp - Special Cl A Com 20030N200 5 100 SH   SOLE   100 0 0
Comerica Inc Com 200340107 2,457 47,440 SH   SOLE   46,640 0 800
Community Health Systems Inc Com 203668108 8 200 SH   SOLE   200 0 0
Computer Programs & Systems, I Com 205306103 274 4,240 SH   SOLE   4,240 0 0
Conagra Inc Com 205887102 270 8,715 SH   SOLE   8,715 0 0
ConocoPhillips Com 20825C104 491 6,986 SH   SOLE   6,986 0 0
ConocoPhillips Com 20825C104 7 100 SH   DFND   0 0 100
Consolidated Edison Inc Com 209115104 43 800 SH   SOLE   800 0 0
Corning Inc. Com 219350105 414 19,900 SH   SOLE   19,900 0 0
Corning Inc. Com 219350105 11 550 SH   DFND   550 0 0
Corrections Corp Of America Com 22025Y407 11 337 SH   SOLE   0 0 337
Costco Wholesale Corp Com 22160K105 187 1,670 SH   SOLE   1,670 0 0
Crown Castle International Cor Com 228227104 11 150 SH   SOLE   140 0 10
Cummins Inc. Com 231021106 398 2,670 SH   SOLE   2,670 0 0
Danaher Corp Com 235851102 62 822 SH   SOLE   822 0 0
Darden Restaurants Inc Com 237194105 189 3,725 SH   SOLE   3,725 0 0
Darden Restaurants Inc Com 237194105 2 45 SH   DFND   0 0 45
Deere & Company Com 244199105 5,423 59,724 SH   SOLE   58,829 0 895
Delta Air Lines Inc. Com 247361702 3,468 100,090 SH   SOLE   98,875 0 1,215
Denbury Resources Inc. Com 247916208 6,566 400,345 SH   SOLE   392,485 0 7,860
Deluxe Check Printer Com 248019101 388 7,395 SH   SOLE   7,395 0 0
Deluxe Check Printer Com 248019101 8 150 SH   DFND   150 0 0
Devon Energy Corp Com 25179M103 3 50 SH   DFND   0 0 50
Diageo PLC - ADR Com 25243Q205 75 605 SH   SOLE   605 0 0
DiamondRock Hospitality Co Com 252784301 2 200 SH   DFND   0 0 200
DineEquity Inc. Com 254423106 2 31 SH   SOLE   0 0 31
Disney Com 254687106 158 1,973 SH   SOLE   1,973 0 0
Disney Com 254687106 4 55 SH   DFND   0 0 55
Discover Financial Services Com 254709108 26 450 SH   SOLE   450 0 0
DIRECTV Com 25490A309 5 65 SH   SOLE   55 0 10
Dollar General Com 256677105 6 115 SH   SOLE   115 0 0
Dominion Resources Inc/VA New Com 25746U109 23 319 SH   SOLE   319 0 0
Donaldson Company, Inc. Com 257651109 383 9,027 SH   SOLE   9,027 0 0
Donaldson Company, Inc. Com 257651109 8 200 SH   DFND   200 0 0
DoubleLine Total Return Bond F Com 258620103 15,056 1,381,305 SH   SOLE   1,348,516 0 32,788
DoubleLine Total Return Bond F Com 258620103 40 3,691 SH   DFND   3,691 0 0
Dow Chemical Com 260543103 5 100 SH   SOLE   0 0 100
Dow Chemical Com 260543103 3 70 SH   DFND   0 0 70
Driehaus Active Income Fund Com 262028855 58 5,421 SH   SOLE   5,421 0 0
Dupont, E.I. De Nemours & Co. Com 263534109 144 2,147 SH   SOLE   2,147 0 0
Dupont, E.I. De Nemours & Co. Com 263534109 36 540 SH   DFND   500 0 40
Duke Energy Corp Com 26441C204 13 185 SH   SOLE   185 0 0
DuPont Fabros Technology Com 26613Q106 4 160 SH   SOLE   160 0 0
EMC Corporation Com 268648102 462 16,871 SH   SOLE   16,871 0 0
Eastman Kodak Company Com 277461406 2 74 SH   SOLE   74 0 0
Eaton Vance Corporation Com 278265103 4 100 SH   DFND   0 0 100
Eaton Vance Short Duration Div Com 27828V104 46 3,000 SH   SOLE   3,000 0 0
Ebay Inc Com 278642103 41 741 SH   SOLE   741 0 0
Ecolab Inc Com 278865100 22 200 SH   SOLE   200 0 0
EMCORE Corporation Com 290846203 40 8,000 SH   SOLE   0 0 8,000
Emerson Electric Co. Com 291011104 60 900 SH   SOLE   900 0 0
Ennis Inc Com 293389102 29 1,750 SH   SOLE   1,750 0 0
Entergy Corp. Com 29364G103 67 1,000 SH   DFND   1,000 0 0
Equinix, Inc. Com 29444U502 15 81 SH   SOLE   81 0 0
Exelon Corp Com 30161N101 3,590 106,960 SH   SOLE   105,280 0 1,680
Express Scripts Holding Co Com 30219G108 21 274 SH   SOLE   274 0 0
Express Scripts Holding Co Com 30219G108 20 269 SH   DFND   194 0 75
Exxon Mobil Corp Com 30231G102 902 9,238 SH   SOLE   8,738 0 500
Exxon Mobil Corp Com 30231G102 410 4,200 SH   DFND   4,000 0 200
Facebook Inc A Shares Com 30303M102 15 250 SH   SOLE   250 0 0
Fastenal Co. Com 311900104 5 100 SH   SOLE   100 0 0
Federated Equity Income Fund # Com 313915100 68 2,811 SH   DFND   2,811 0 0
Federated Total Return Govt Bo Com 31429A204 51 4,663 SH   SOLE   4,663 0 0
Fidelity High Income Fund #455 Com 316146406 75 7,956 SH   SOLE   7,956 0 0
First Solar Inc Com 336433107 24 350 SH   SOLE   350 0 0
First Trust Dow Jones Select M Com 33718M105 2 61 SH   SOLE   61 0 0
NASDAQ Auto Index ETF Com 33734X309 2,376 57,660 SH   SOLE   56,425 0 1,235
Firstenergy Corp Com 337932107 16 468 SH   SOLE   468 0 0
Flexshares Morningstar Global Com 33939L407 16 452 SH   SOLE   452 0 0
Flowserve Corporation Com 34354P105 18 225 SH   SOLE   225 0 0
Ford Motor Company Com 345370860 42 2,700 SH   SOLE   2,700 0 0
Forest Laboratories Inc Com 345838106 87 946 SH   SOLE   946 0 0
Franklin Resources Inc Com 354613101 18 333 SH   SOLE   333 0 0
Freeport-McMoran Copper & Gold Com 35671D857 7 200 SH   SOLE   200 0 0
The Fresh Market Inc. Com 35804H106 3 85 SH   DFND   0 0 85
General Electric Com 369604103 969 37,427 SH   SOLE   36,807 0 620
General Electric Com 369604103 171 6,600 SH   DFND   6,100 0 500
General Mills Com 370334104 188 3,627 SH   SOLE   3,627 0 0
General Motors Co. Com 37045V100 7,350 213,547 SH   SOLE   209,317 0 4,230
Gentex Corp Com 371901109 11 346 SH   SOLE   346 0 0
Genuine Parts Co Com 372460105 4 50 SH   SOLE   50 0 0
Gilead Sciences Inc Com 375558103 3,552 50,129 SH   SOLE   49,324 0 805
GlaxoSmithKline PLC - ADR Com 37733W105 19 361 SH   SOLE   361 0 0
Goldman Sachs Group Inc. Com 38141G104 138 842 SH   SOLE   842 0 0
Goldman Sachs Strategic Income Com 38145C646 16,757 1,574,948 SH   SOLE   1,534,811 0 40,137
Goldman Sachs Strategic Income Com 38145C646 45 4,192 SH   DFND   4,192 0 0
Google Inc - Cl A Com 38259P508 3,194 2,866 SH   SOLE   2,800 0 66
Gulfport Energy Corp Com 402635304 2,760 38,780 SH   SOLE   37,520 0 1,260
HCA Holdings Inc Com 40412C101 3,343 63,680 SH   SOLE   62,410 0 1,270
HCP Inc Com 40414L109 341 8,795 SH   SOLE   8,795 0 0
HCP Inc Com 40414L109 10 250 SH   DFND   250 0 0
Hain Celestial Group Inc Com 405217100 10 106 SH   SOLE   106 0 0
Halliburton Co Com 406216101 12 200 SH   SOLE   0 0 200
Hanesbrands Inc. Com 410345102 1 12 SH   SOLE   12 0 0
Harris Corp Del Com 413875105 196 2,680 SH   SOLE   2,680 0 0
Hasbro Inc Com 418056107 6 100 SH   SOLE   0 0 100
Hawaiian Electric Com 419870100 194 7,620 SH   SOLE   7,620 0 0
Healthcare Services Group, Inc Com 421906108 386 13,290 SH   SOLE   13,290 0 0
Healthcare Services Group, Inc Com 421906108 10 350 SH   DFND   350 0 0
Heartland Financial USA Inc. Com 42234Q102 41,049 1,520,903 SH   SOLE   1,482,891 0 38,012
Heartland Financial USA Inc. Com 42234Q102 7,860 291,233 SH   DFND   291,233 0 0
Helmerich & Payne Inc Com 423452101 367 3,410 SH   SOLE   3,410 0 0
Helmerich & Payne Inc Com 423452101 11 100 SH   DFND   100 0 0
Hess Corporation Com 42809H107 67 810 SH   SOLE   810 0 0
Home Depot Inc Com 437076102 28 350 SH   SOLE   350 0 0
Honeywell Intl Inc Com 438516106 171 1,845 SH   SOLE   1,195 0 650
Hospitality Properties Trust Com 44106M102 3 90 SH   DFND   0 0 90
Hubbell Inc., Class B Com 443510201 16 134 SH   SOLE   134 0 0
Hyatt Hotels Corp - Cl A Com 448579102 5 100 SH   SOLE   0 0 100
ING Prime Rate Trust Com 44977W106 37 6,400 SH   SOLE   6,400 0 0
ING Global Real Estate Com 44980R326 400 21,224 SH   SOLE   21,224 0 0
Illinois Tool Works Inc. Com 452308109 15 183 SH   SOLE   183 0 0
Illinois Tool Works Inc. Com 452308109 5 60 SH   DFND   0 0 60
Independence Realty Trust REIT Com 45378A106 728 81,755 SH   SOLE   81,755 0 0
Intel Corp Com 458140100 359 13,894 SH   SOLE   13,894 0 0
Intel Corp Com 458140100 8 300 SH   DFND   0 0 300
IBM Com 459200101 3,644 18,930 SH   SOLE   18,380 0 550
Invesco Quality Municipal Inco Com 46133G107 4 317 SH   SOLE   317 0 0
361 Managed Futures Strategy F Com 461418337 20,454 1,816,554 SH   SOLE   1,786,478 0 30,077
361 Managed Futures Strategy F Com 461418337 46 4,108 SH   DFND   4,108 0 0
iShares S&P 100 Index Fund Com 464287101 880 10,625 SH   SOLE   10,625 0 0
iShares Dow Jones Select Divid Com 464287168 29 390 SH   SOLE   390 0 0
iShares Barclays US TIP Securi Com 464287176 118 1,053 SH   SOLE   1,053 0 0
iShares S&P 500 Index Fund Com 464287200 461 2,451 SH   SOLE   2,451 0 0
iShares S&P 500 Index Fund Com 464287200 17 90 SH   DFND   90 0 0
iShares MSCI Emerging Markets Com 464287234 86 2,100 SH   SOLE   2,100 0 0
iShares Tr MSCI EAFE Index Fun Com 464287465 219 3,260 SH   SOLE   3,260 0 0
iShares Russell Midcap Value I Com 464287473 7 107 SH   SOLE   107 0 0
iShares Russell MidCap Index F Com 464287499 66 425 SH   SOLE   425 0 0
iShares Russell 1000 Value Ind Com 464287598 229 2,375 SH   SOLE   2,375 0 0
iShares Russell 2000 Com 464287655 259 2,225 SH   SOLE   2,225 0 0
iShares S&P/Citigroup Internat Com 464288117 9 83 SH   SOLE   83 0 0
iShares MSCI Asia Ex-Japan Ind Com 464288182 118 2,000 SH   DFND   2,000 0 0
iShares JP Morgan USD Emerging Com 464288281 8 68 SH   SOLE   68 0 0
iShares S&P National Municipal Com 464288414 5,516 51,521 SH   SOLE   51,521 0 0
iShares MBS Bond Fund Com 464288588 14 136 SH   SOLE   136 0 0
iShares Barclays 1-3 Year Cred Com 464288646 403 3,820 SH   SOLE   2,875 0 945
iShares Barclays 3-7 Treasury Com 464288661 144 1,195 SH   SOLE   1,195 0 0
iShares S&P U.S. Preferred Sto Com 464288687 123 3,140 SH   SOLE   3,140 0 0
iShares MSCI USA ESG Select ET Com 464288703 7 60 SH   SOLE   60 0 0
iShares Silver Trust Com 46428Q109 2 100 SH   SOLE   100 0 0
iShares Floating Rate Bond ETF Com 46429B655 82 1,610 SH   SOLE   1,610 0 0
ITC Holdings Corporation Com 465685105 3,897 104,350 SH   SOLE   102,775 0 1,575
ITC Holdings Corporation Com 465685105 11 300 SH   DFND   300 0 0
JP Morgan Chase & Co Com 46625H100 7,778 128,120 SH   SOLE   125,940 0 2,180
JP Morgan Chase & Co Com 46625H100 6 100 SH   DFND   0 0 100
Johnson & Johnson Com 478160104 585 5,955 SH   SOLE   5,955 0 0
Johnson & Johnson Com 478160104 10 100 SH   DFND   0 0 100
JPMorgan Strategic Income Opp Com 4812A4351 26,649 2,233,764 SH   SOLE   2,190,397 0 43,367
JPMorgan Strategic Income Opp Com 4812A4351 64 5,339 SH   DFND   5,339 0 0
JPMorgan Core Bond Fund Com 4812C0381 421 36,363 SH   SOLE   36,363 0 0
JPMorgan Core Plus Bond Fund Com 4812C2387 256 30,842 SH   SOLE   30,842 0 0
KBR Inc. Com 48242W106 2,538 95,120 SH   SOLE   92,775 0 2,345
KLA-Tencor Corporation Com 482480100 14 196 SH   SOLE   196 0 0
K12 Inc. Com 48273U102 23 1,000 SH   SOLE   1,000 0 0
Keurig Green Mountain Inc Com 49271M100 32 300 SH   SOLE   300 0 0
Kimberly-Clark Corp Com 494368103 14 126 SH   SOLE   126 0 0
Kimberly-Clark Corp Com 494368103 4 35 SH   DFND   0 0 35
Kinder Morgan Energy Partners Com 494550106 7 100 SH   SOLE   100 0 0
Kohl's Corporation Com 500255104 203 3,578 SH   SOLE   3,578 0 0
Kohl's Corporation Com 500255104 3 60 SH   DFND   0 0 60
Kraft Foods Group Inc Com 50076Q106 49 874 SH   SOLE   874 0 0
Kraft Foods Group Inc Com 50076Q106 2 41 SH   DFND   0 0 41
LSI Logic Corp Com 502161102 11 1,006 SH   SOLE   1,006 0 0
Las Vegas Sands Corp Com 517834107 6 80 SH   SOLE   80 0 0
Liberty Media Corporation Com 531229102 34 258 SH   SOLE   258 0 0
Lihua International Inc. Com 532352101 2,456 500,226 SH   SOLE   493,106 0 7,120
Eli Lilly & Co. Com 532457108 200 3,397 SH   SOLE   3,397 0 0
Linear Technology Corp. Com 535678106 10 200 SH   DFND   0 0 200
Loomis Sayles Bond Retail Com 543495832 187 12,180 SH   SOLE   12,180 0 0
Lord Abbett Short Duration Inc Com 543916688 26,784 5,886,496 SH   SOLE   5,820,464 0 66,033
Lord Abbett Short Duration Inc Com 543916688 95 20,941 SH   DFND   20,941 0 0
Lowes Companies Inc. Com 548661107 60 1,231 SH   SOLE   1,231 0 0
William Lyon Homes Com 552074700 14 500 SH   SOLE   500 0 0
MDU Resources Group Inc Com 552690109 203 5,925 SH   SOLE   5,925 0 0
MGE Energy, Inc. Com 55277P104 34 877 SH   SOLE   877 0 0
Macy's Inc Com 55616P104 7,579 127,835 SH   SOLE   125,440 0 2,395
ManpowerGroup Inc. Com 56418H100 8 100 SH   SOLE   100 0 0
Manulife Financial Corporation Com 56501R106 31 1,600 SH   DFND   1,600 0 0
Marathon Oil Corp. Com 565849106 12 328 SH   SOLE   328 0 0
MasterCard Inc - Cl A Com 57636Q104 78 1,040 SH   SOLE   1,040 0 0
Maxim Integrated Products Com 57772K101 1 39 SH   SOLE   39 0 0
Maxim Integrated Products Com 57772K101 3 100 SH   DFND   0 0 100
McCormick & Co - Non Voting Sh Com 579780206 11 150 SH   SOLE   150 0 0
McDonalds Corp Com 580135101 224 2,283 SH   SOLE   2,183 0 100
McDonalds Corp Com 580135101 10 100 SH   DFND   0 0 100
McGraw Hill Financial Inc Com 580645109 31 400 SH   SOLE   400 0 0
Medtronic Inc Com 585055106 16 266 SH   SOLE   266 0 0
Medtronic Inc Com 585055106 6 100 SH   DFND   0 0 100
Merck & Company Inc. Com 58933Y105 302 5,315 SH   SOLE   5,215 0 100
Merck & Company Inc. Com 58933Y105 57 1,000 SH   DFND   1,000 0 0
Merge Healthcare Inc Com 589499102 2 1,000 SH   SOLE   1,000 0 0
Metlife Inc Com 59156R108 464 8,782 SH   SOLE   8,782 0 0
Microsoft Corporation Com 594918104 385 9,403 SH   SOLE   9,253 0 150
Microsoft Corporation Com 594918104 832 20,300 SH   DFND   20,000 0 300
Mondelez International Inc Com 609207105 209 6,051 SH   SOLE   6,051 0 0
Mondelez International Inc Com 609207105 4 125 SH   DFND   0 0 125
Monsanto Co. Com 61166W101 166 1,461 SH   SOLE   1,461 0 0
Moody's Corporation Com 615369105 19 240 SH   SOLE   240 0 0
Mylan Laboratories Com 628530107 4,163 85,246 SH   SOLE   83,481 0 1,765
NCR Corp Com 62886E108 4 110 SH   SOLE   110 0 0
National Oilwell Varco Inc. Com 637071101 9 120 SH   SOLE   120 0 0
Nat'l Westminster Bk PLC Ser C Pfd Stk 638539882 26 1,000 SH   SOLE   1,000 0 0
Navios Maritime Hdgs 8.75% ADR Pfd Stk 63938Y100 1,765 70,580 SH   SOLE   70,580 0 0
Newmont Mining Corporation Com 651639106 1,434 61,190 SH   SOLE   60,080 0 1,110
Nextera Energy Inc Com 65339F101 23 240 SH   SOLE   240 0 0
Nike Inc. - Class B Com 654106103 67 906 SH   SOLE   906 0 0
Noble Energy Inc. Com 655044105 9 120 SH   SOLE   120 0 0
Nordstrom Inc. Com 655664100 42 675 SH   SOLE   675 0 0
Norfolk Southern Corp Com 655844108 232 2,390 SH   SOLE   2,390 0 0
Northeast Utilities Com 664397106 19 415 SH   SOLE   0 0 415
Northern Global Real Estate In Com 665162541 78 8,254 SH   SOLE   8,254 0 0
Northern Trust Corporation Com 665859104 7 100 SH   SOLE   100 0 0
Northern Trust Corporation Com 665859104 4 60 SH   DFND   0 0 60
Northrop Grumman Corp. Com 666807102 47 384 SH   SOLE   384 0 0
Northrop Grumman Corp. Com 666807102 132 1,070 SH   DFND   1,070 0 0
Novartis AG - ADR Com 66987V109 198 2,330 SH   SOLE   2,330 0 0
Novartis AG - ADR Com 66987V109 6 75 SH   DFND   0 0 75
MFC Nuveen Preferred and Conv Com 67073D102 395 41,505 SH   SOLE   41,505 0 0
Occidental Petroleum Corporati Com 674599105 38 400 SH   SOLE   400 0 0
Ocwen Financial Corp Com 675746309 33 850 SH   SOLE   850 0 0
Omnicom Group Com 681919106 12 170 SH   SOLE   170 0 0
Oracle Corporation Com 68389X105 67 1,647 SH   SOLE   1,647 0 0
Oracle Corporation Com 68389X105 3 75 SH   DFND   0 0 75
PIMCO Real Return Fund Com 693391120 38 3,390 SH   SOLE   3,390 0 0
PNC Financial Services Group Com 693475105 207 2,380 SH   SOLE   2,380 0 0
PPG Industries Inc. Com 693506107 18 94 SH   SOLE   94 0 0
PPL Corporation Com 69351T106 265 8,000 SH   DFND   8,000 0 0
People's United Financial Com 712704105 2,107 141,670 SH   SOLE   139,415 0 2,255
Pepsico Incorporated Com 713448108 398 4,770 SH   SOLE   4,745 0 25
Pepsico Incorporated Com 713448108 8 100 SH   DFND   0 0 100
Petroleo Brasileiro - ADR Com 71654V101 6 400 SH   SOLE   400 0 0
Pfizer Inc Com 717081103 677 21,081 SH   SOLE   11,981 0 9,100
Philip Morris International In Com 718172109 287 3,500 SH   SOLE   3,500 0 0
Philip Morris International In Com 718172109 41 500 SH   DFND   500 0 0
Phillips 66 Com 718546104 39 512 SH   SOLE   512 0 0
Physicians Realty Trust Com 71943U104 388 27,895 SH   SOLE   27,895 0 0
PIMCO Invest Grade Corp Bond A Com 722005592 49 4,645 SH   SOLE   4,645 0 0
PIMCO Investment Grade Corp Bo Com 722005816 7,974 762,369 SH   SOLE   735,310 0 27,060
PIMCO Emerging Local Bond Inst Com 72201F516 15 1,581 SH   SOLE   1,581 0 0
PIMCO Enhanced Short Maturity Com 72201R833 99 980 SH   SOLE   980 0 0
PIMCO Dynamic Credit Income Fu Com 72202D106 1,056 46,715 SH   SOLE   46,715 0 0
Pioneer Natural Resources Co. Com 723787107 17 90 SH   SOLE   90 0 0
Plum Creek Timber Co. Inc. Com 729251108 354 8,410 SH   SOLE   8,410 0 0
Plum Creek Timber Co. Inc. Com 729251108 16 389 SH   DFND   389 0 0
Post Holdings Inc. Com 737446104 45 814 SH   SOLE   814 0 0
Potash Corp. Of Saskatchewan - Com 73755L107 3 75 SH   SOLE   75 0 0
Powershares DB Commodity Index Com 73935S105 5 185 SH   SOLE   185 0 0
PowerShares International Divi Com 73935X716 266 14,600 SH   SOLE   14,600 0 0
PowerShares Dividend Achievers Com 73935X732 322 16,000 SH   SOLE   16,000 0 0
PowerShares Senior Loan Portfo Com 73936Q769 162 6,540 SH   SOLE   6,540 0 0
Praxair Inc. Com 74005P104 5 35 SH   DFND   0 0 35
Precision Castparts Corp Com 740189105 16 62 SH   SOLE   62 0 0
Preferred Apartment Communitie Com 74039L103 3,132 388,785 SH   SOLE   388,785 0 0
Priceline.com Inc. Com 741503403 25 21 SH   SOLE   21 0 0
Principal Diversified Real Ass Com 74254V166 8,430 675,458 SH   SOLE   663,884 0 11,574
Principal Diversified Real Ass Com 74254V166 19 1,532 SH   DFND   1,532 0 0
Procter & Gamble Com 742718109 492 6,102 SH   SOLE   6,102 0 0
Procter & Gamble Com 742718109 8 100 SH   DFND   0 0 100
MFC Proshares TR Proshares Sho Com 74347R503 269 10,895 SH   SOLE   10,895 0 0
ProShares Short 20+ Year Treas Com 74347X849 962 31,692 SH   SOLE   30,770 0 922
Prudential Financial Inc. Com 744320102 19 227 SH   SOLE   227 0 0
Prudential Short-Term Corporat Com 74441R102 17 1,465 SH   SOLE   1,465 0 0
Public Service Enterprises Com 744573106 225 5,907 SH   SOLE   5,907 0 0
Pure Cycle Corp Com 746228303 3,458 571,649 SH   SOLE   564,119 0 7,530
MFC Putnam Master Intermediate Com 746909100 10 1,900 SH   SOLE   1,900 0 0
Qualcomm Inc Com 747525103 6,662 84,477 SH   SOLE   82,922 0 1,555
Qualcomm Inc Com 747525103 5 65 SH   DFND   0 0 65
Quest Diagnostics Com 74834L100 4 67 SH   SOLE   67 0 0
Raytheon Co New Com 755111507 984 9,961 SH   SOLE   9,961 0 0
Regions Financial Corp Com 7591EP100 34 3,067 SH   SOLE   3,067 0 0
Republic Services Inc Com 760759100 5,293 154,938 SH   SOLE   152,228 0 2,710
Retail Properties of America, Com 76131V202 325 24,004 SH   SOLE   24,004 0 0
Rockwell Automation Inc. Com 773903109 163 1,308 SH   SOLE   1,308 0 0
Rockwell Collins Inc Com 774341101 64 808 SH   SOLE   808 0 0
Rogers Communications - ADR Com 775109200 190 4,580 SH   SOLE   4,580 0 0
Roundy's Inc Com 779268101 1 100 SH   SOLE   100 0 0
T. Rowe Price Short Term Bond Com 77957P204 49 10,225 SH   SOLE   10,225 0 0
Royal Bank of Canada - ADR Com 780087102 12 186 SH   SOLE   186 0 0
Royal Bk Scotland Group Ser F Pfd Stk 780097739 46 2,000 SH   SOLE   2,000 0 0
Royal Bk Scotland Grp Ser P 6. Pfd Stk 780097762 62 2,800 SH   SOLE   2,800 0 0
Royal Dutch Shell PLC A - ADR Com 780259206 51 700 SH   SOLE   700 0 0
Royal Dutch Shell PLC A - ADR Com 780259206 5 65 SH   DFND   0 0 65
SLM Corp Com 78442P106 2 71 SH   SOLE   71 0 0
SPDR S&P 500 ETF Trust Com 78462F103 5,238 28,009 SH   SOLE   27,301 0 708
SPDR Gold Trust Com 78463V107 14 114 SH   SOLE   114 0 0
SPDR STOXX Europe 50 Fund Com 78463X103 5 119 SH   SOLE   119 0 0
SPDR Euro Stoxx 50 ETF Com 78463X202 1,158 27,140 SH   SOLE   20,840 0 6,300
SPDR S&P Emerging Markets ETF Com 78463X509 2 31 SH   SOLE   31 0 0
SPDR Dow Jones Int'l Real Esta Com 78463X863 4 90 SH   SOLE   90 0 0
SPDR S&P International Small C Com 78463X871 4 109 SH   SOLE   109 0 0
SPDR S&P World ETF Com 78463X889 22 763 SH   SOLE   763 0 0
SPDR Barclays Long Term Corpor Com 78464A367 2 49 SH   SOLE   49 0 0
SPDR Barclays High Yield Bond Com 78464A417 14 337 SH   SOLE   337 0 0
SPDR DB Int'l Govt Inflation P Com 78464A490 3 47 SH   SOLE   47 0 0
SPDR Dow Jones REIT ETF Com 78464A607 9 119 SH   SOLE   119 0 0
SPDR Barclays Aggregate Bond E Com 78464A649 41 717 SH   SOLE   717 0 0
SPDR Barclays Capital Tips ETF Com 78464A656 5 84 SH   SOLE   84 0 0
SPDR S&P Dividend ETF Com 78464A763 773 10,503 SH   SOLE   10,503 0 0
Midcap SPDR Trust Series 1 Com 78467Y107 4 15 SH   SOLE   15 0 0
SPDR Barclays Cap Short Term H Com 78468R408 1,164 37,590 SH   SOLE   36,590 0 1,000
SPDR Russell 2000 ETF Com 78468R853 7 105 SH   SOLE   105 0 0
SCANA Corporation Com 80589M102 3 55 SH   DFND   0 0 55
Henry Schein Inc Com 806407102 22 182 SH   SOLE   182 0 0
Schlumberger Ltd. - ADR Com 806857108 107 1,098 SH   SOLE   758 0 340
The Charles Schwab Corporation Com 808513105 8 300 SH   SOLE   300 0 0
Schwab US Large Cap Growth ETF Com 808524300 7 163 SH   SOLE   163 0 0
Schwab US Large-Cap Value ETF Com 808524409 9 215 SH   SOLE   215 0 0
Schwab Emerging Markets Equity Com 808524706 5 187 SH   SOLE   187 0 0
Schwab International Equity ET Com 808524805 10 329 SH   SOLE   329 0 0
Sealed Air Corp Com 81211K100 5 140 SH   DFND   0 0 140
Energy Select Sector Spdr Com 81369Y506 10 110 SH   SOLE   110 0 0
MFC Financial Select Sector SP Com 81369Y605 93 4,175 SH   SOLE   4,175 0 0
Industrial Select Sector SPDR Com 81369Y704 124 2,375 SH   SOLE   2,375 0 0
Technology Select Sector SPDR Com 81369Y803 122 3,360 SH   SOLE   3,360 0 0
Shire PLC - ADR Com 82481R106 9 62 SH   SOLE   62 0 0
Sigma Aldrich Corp Com 826552101 278 2,975 SH   SOLE   2,975 0 0
Southern Companies Com 842587107 83 1,900 SH   SOLE   1,900 0 0
Spectra Energy Corp Com 847560109 8 228 SH   SOLE   228 0 0
Sprint Corp Com 85207U105 3,991 434,244 SH   SOLE   425,599 0 8,645
Starbucks Corp Com 855244109 59 800 SH   SOLE   800 0 0
Oppenheimer SteelPath MLP Sele Com 858268204 2 182 SH   SOLE   182 0 0
Stone Ridge Reinsurance Risk P Com 861728103 17,769 1,706,929 SH   SOLE   1,677,917 0 29,012
Stone Ridge Reinsurance Risk P Com 861728103 40 3,831 SH   DFND   3,831 0 0
Stone Ridge High Yield Reins R Com 861728400 7,100 681,355 SH   SOLE   669,724 0 11,631
Stone Ridge High Yield Reins R Com 861728400 16 1,530 SH   DFND   1,530 0 0
Sunoco Logistic Partners LP Com 86764L108 37 410 SH   SOLE   410 0 0
Sun Trust Banks,Inc Com 867914103 52 1,309 SH   SOLE   1,309 0 0
Sysco Corp. Com 871829107 5 133 SH   SOLE   133 0 0
TCW Emerging Markets Income Fu Com 87234N765 10,211 1,202,682 SH   SOLE   1,186,793 0 15,889
TCW Emerging Markets Income Fu Com 87234N765 47 5,588 SH   DFND   5,588 0 0
Target Corp Com 87612E106 3,283 54,250 SH   SOLE   53,300 0 950
Target Corp Com 87612E106 2 30 SH   DFND   0 0 30
Tennant Company Com 880345103 378 5,755 SH   SOLE   5,755 0 0
Tennant Company Com 880345103 10 150 SH   DFND   150 0 0
Teradata Corp. Com 88076W103 0 10 SH   SOLE   10 0 0
Tetra Tech, Inc. Com 88162G103 386 13,055 SH   SOLE   13,055 0 0
Tetra Tech, Inc. Com 88162G103 10 350 SH   DFND   350 0 0
Texas Instruments Inc. Com 882508104 7 150 SH   SOLE   150 0 0
Thermo Electron Corp Com 883556102 3,110 25,869 SH   SOLE   25,479 0 390
3M Company Com 88579Y101 306 2,257 SH   SOLE   2,257 0 0
3M Company Com 88579Y101 14 100 SH   DFND   0 0 100
Timken Company Com 887389104 1 20 SH   SOLE   20 0 0
Total SA-Spon ADR Com 89151E109 4 65 SH   DFND   0 0 65
Travelers Companies Inc Com 89417E109 325 3,821 SH   SOLE   3,821 0 0
Collins Alternative Solutions Com 89833W139 20,252 1,871,752 SH   SOLE   1,840,234 0 31,519
Collins Alternative Solutions Com 89833W139 46 4,225 SH   DFND   4,225 0 0
Twenty-First Century Fox Inc Com 90130A101 14 440 SH   SOLE   440 0 0
Tyson Foods Inc - Cl A Com 902494103 119 2,700 SH   SOLE   2,700 0 0
UGI Corporation Com 902681105 202 4,435 SH   SOLE   4,435 0 0
US Bancorp New Com 902973304 72 1,689 SH   SOLE   1,689 0 0
UMH Properties Inc 8.25% Pfd Stk 903002202 1,825 70,495 SH   SOLE   70,495 0 0
Under Armour, Inc. Com 904311107 10 90 SH   SOLE   90 0 0
Unilever PLC - ADR Com 904767704 19 440 SH   SOLE   440 0 0
Unilever PLC - ADR Com 904767704 3 70 SH   DFND   0 0 70
Union Pacific Corp Com 907818108 171 913 SH   SOLE   913 0 0
Unisys Corp. Com 909214306 7,393 242,704 SH   SOLE   239,339 0 3,365
United Natural Foods Inc. Com 911163103 142 2,000 SH   SOLE   2,000 0 0
United Natural Foods Inc. Com 911163103 7 100 SH   DFND   100 0 0
United Parcel Service - Class Com 911312106 160 1,648 SH   SOLE   1,648 0 0
United States Steel Corp. Com 912909108 2,242 81,205 SH   SOLE   79,415 0 1,790
United Technologies Corporatio Com 913017109 89 765 SH   SOLE   765 0 0
United Health Group Inc. Com 91324P102 17 202 SH   SOLE   202 0 0
Urban Outfitters, Inc Com 917047102 34 925 SH   SOLE   925 0 0
VF Corporation Com 918204108 42 682 SH   SOLE   682 0 0
Valeant Pharmaceuticals Int'l Com 91911K102 13 97 SH   SOLE   97 0 0
Valero Energy Corporation Com 91913Y100 19 360 SH   SOLE   360 0 0
Vanguard Dividend Appreciation Com 921908844 316 4,200 SH   SOLE   4,200 0 0
Vanguard Long-Term Bond ETF Com 921937793 11 124 SH   SOLE   124 0 0
Vanguard Intermed-Term Bond ET Com 921937819 26 316 SH   SOLE   316 0 0
Vanguard Short-Term Bond ETF Com 921937827 23 281 SH   SOLE   281 0 0
Vanguard Total Bond Market ETF Com 921937835 53 648 SH   SOLE   648 0 0
Vanguard Wellesley Income Fund Com 921938205 4 67 SH   SOLE   0 0 67
Vanguard Europe Pacific ETF Com 921943858 124 3,000 SH   SOLE   3,000 0 0
Vanguard Intermediate Term Tre Com 922031828 35 3,110 SH   SOLE   3,110 0 0
Vanguard Short-Term Investment Com 922031836 19,747 1,840,359 SH   SOLE   1,817,347 0 23,013
Vanguard Short-Term Investment Com 922031836 76 7,118 SH   DFND   7,118 0 0
Vanguard Emerging Market ETF Com 922042858 91 2,231 SH   SOLE   1,066 0 1,165
Vanguard FTSE Pacific ETF Com 922042866 5 79 SH   SOLE   79 0 0
Vanguard European ETF Com 922042874 6,697 113,600 SH   SOLE   111,800 0 1,800
Vanguard European ETF Com 922042874 4 70 SH   DFND   70 0 0
Varian Medical Systems Inc Com 92220P105 365 4,345 SH   SOLE   4,345 0 0
Varian Medical Systems Inc Com 92220P105 10 120 SH   DFND   120 0 0
Vectren Corporation Com 92240G101 204 5,170 SH   SOLE   5,170 0 0
Vectren Corporation Com 92240G101 79 2,000 SH   DFND   2,000 0 0
Vanguard S&P 500 ETF Com 922908363 63 368 SH   SOLE   368 0 0
Vanguard Mid-Cap Growth ETF Com 922908538 6 60 SH   SOLE   60 0 0
Vanguard REIT ETF Com 922908553 40 563 SH   SOLE   563 0 0
Vanguard Small-Cap Growth ETF Com 922908595 4 31 SH   SOLE   31 0 0
Vanguard Mid-Cap VIPERs Fund Com 922908629 186 1,641 SH   SOLE   1,641 0 0
Vanguard Small-Cap ETF Com 922908751 136 1,200 SH   SOLE   1,200 0 0
Verizon Communications Com 92343V104 450 9,465 SH   SOLE   9,465 0 0
Verizon Communications Com 92343V104 8 178 SH   DFND   0 0 178
Visa Inc. - Class A Com 92826C839 16 72 SH   SOLE   72 0 0
Visa Inc. - Class A Com 92826C839 12 55 SH   DFND   0 0 55
Vodafone Group PLC - ADR Com 92857W308 9 252 SH   SOLE   252 0 0
Vodafone Group PLC - ADR Com 92857W308 6 163 SH   DFND   0 0 163
Vornado Rlty Tr Sh Ben Int Com 929042109 71 724 SH   DFND   724 0 0
WP Carey Inc. Com 92936U109 18 305 SH   SOLE   305 0 0
Walmart Com 931142103 5,626 73,613 SH   SOLE   71,932 0 1,681
Walmart Com 931142103 53 696 SH   DFND   666 0 30
Walgreen Co Com 931422109 595 9,005 SH   SOLE   9,005 0 0
Walgreen Co Com 931422109 16 245 SH   DFND   150 0 95
Waste Management Inc Com 94106L109 20 467 SH   SOLE   467 0 0
Waters Corporation Com 941848103 81 750 SH   SOLE   750 0 0
Wells Fargo & Co New Com 949746101 377 7,580 SH   SOLE   7,580 0 0
Whitestone REIT Com 966084204 1,130 78,275 SH   SOLE   78,275 0 0
Williams Sonoma Inc Com 969904101 47 705 SH   SOLE   705 0 0
Wisdom Tree Japan Hedged Equit Com 97717W851 15,909 336,062 SH   SOLE   330,467 0 5,595
Wisdom Tree Japan Hedged Equit Com 97717W851 9 200 SH   DFND   200 0 0
WisdomTree Europe Hedged Equit Com 97717X701 90 1,585 SH   SOLE   1,585 0 0
Yum Brands Inc Com 988498101 15 200 SH   SOLE   0 0 200
Accenture PLC - Cl A - ADR Com G1151C101 192 2,411 SH   SOLE   2,411 0 0
Bunge Limited Com G16962105 6,247 78,570 SH   SOLE   77,165 0 1,405
Covidien PLC - ADR Com G2554F113 4,028 54,689 SH   SOLE   53,559 0 1,130
Eaton Corp PLC - ADR Com G29183103 207 2,754 SH   SOLE   2,754 0 0
Everest Reinsurance Group Limi Com G3223R108 3 19 SH   SOLE   19 0 0
Invesco Limited Com G491BT108 3 83 SH   SOLE   83 0 0
Michael Kors Holdings Ltd Com G60754101 21 225 SH   SOLE   225 0 0
ACE Limited - ADR Com H0023R105 14 144 SH   SOLE   144 0 0
Transocean LTD - ADR Com H8817H100 1 27 SH   SOLE   27 0 0
LyondellBasell Industries NV - Com N53745100 1,889 21,242 SH   SOLE   20,712 0 530