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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,965,489 6,478 SH   SOLE   5,978 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   151,705 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   724,914 1,652 SH   SOLE   1,652 0 0
AFLAC INC COM 001055102   435,029 4,871 SH   SOLE   4,871 0 0
AFLAC INC COM 001055102   60,730 680 SH   OTR   680 0 0
AT&T INC COM 00206R102   405,017 21,194 SH   SOLE   21,194 0 0
AT&T INC COM 00206R102   50,641 2,650 SH   OTR   2,650 0 0
ABBOTT LABS COM 002824100   626,785 6,032 SH   SOLE   6,032 0 0
ABBOTT LABS COM 002824100   32,419 312 SH   OTR   312 0 0
ABBVIE INC COM 00287Y109   2,331,128 13,591 SH   SOLE   13,591 0 0
ABBVIE INC COM 00287Y109   169,976 991 SH   OTR   991 0 0
ADOBE INC COM 00724F101   1,214,965 2,187 SH   SOLE   2,187 0 0
ADOBE INC COM 00724F101   27,777 50 SH   OTR   50 0 0
AIR PRODS & CHEMS INC COM 009158106   493,649 1,913 SH   SOLE   1,913 0 0
AIR PRODS & CHEMS INC COM 009158106   61,673 239 SH   OTR   239 0 0
ALLSTATE CORP COM 020002101   237,095 1,485 SH   SOLE   1,485 0 0
ALPHABET INC CAP STK CL C 02079K107   385,182 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL A 02079K305   4,982,713 27,355 SH   SOLE   27,355 0 0
ALPHABET INC CAP STK CL A 02079K305   197,632 1,085 SH   OTR   1,085 0 0
AMAZON COM INC COM 023135106   4,282,806 22,162 SH   SOLE   22,162 0 0
AMAZON COM INC COM 023135106   77,300 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,518,041 6,556 SH   SOLE   6,556 0 0
AMERIPRISE FINL INC COM 03076C106   283,654 664 SH   SOLE   664 0 0
AMERIPRISE FINL INC COM 03076C106   17,087 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   1,028,272 3,291 SH   SOLE   2,991 0 300
AMGEN INC COM 031162100   132,791 425 SH   OTR   425 0 0
APPLE INC COM 037833100   10,197,799 48,418 SH   SOLE   48,418 0 0
APPLE INC COM 037833100   353,841 1,680 SH   OTR   1,680 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   154,432 647 SH   SOLE   647 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   99,056 415 SH   OTR   415 0 0
AUTOZONE INC COM 053332102   364,584 123 SH   SOLE   123 0 0
AUTOZONE INC COM 053332102   14,820 5 SH   OTR   5 0 0
BANK AMERICA CORP COM 060505104   1,071,562 26,944 SH   SOLE   26,544 0 400
BANK AMERICA CORP COM 060505104   50,706 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,492,463 6,127 SH   SOLE   6,127 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   314,456 773 SH   OTR   773 0 0
BLACKROCK INC COM 09247X101   841,645 1,069 SH   SOLE   1,069 0 0
BLACKROCK INC COM 09247X101   77,944 99 SH   OTR   99 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   264,534 6,369 SH   SOLE   6,369 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   85,136 2,050 SH   OTR   2,050 0 0
BROADCOM INC COM 11135F101   2,849,815 1,775 SH   SOLE   1,775 0 0
CATERPILLAR INC COM 149123101   767,129 2,303 SH   SOLE   2,303 0 0
CHEVRON CORP NEW COM 166764100   2,414,186 15,434 SH   SOLE   15,434 0 0
CHEVRON CORP NEW COM 166764100   108,711 695 SH   OTR   695 0 0
CISCO SYS INC COM 17275R102   816,183 17,179 SH   SOLE   15,329 0 1,850
CISCO SYS INC COM 17275R102   69,602 1,465 SH   OTR   1,465 0 0
CINTAS CORP COM 172908105   350,130 500 SH   SOLE   500 0 0
COCA COLA CO COM 191216100   1,342,060 21,085 SH   SOLE   21,085 0 0
COCA COLA CO COM 191216100   54,102 850 SH   OTR   850 0 0
COLGATE PALMOLIVE CO COM 194162103   431,148 4,443 SH   SOLE   4,443 0 0
COLGATE PALMOLIVE CO COM 194162103   37,263 384 SH   OTR   384 0 0
COMCAST CORP NEW CL A 20030N101   259,865 6,636 SH   SOLE   6,636 0 0
CONOCOPHILLIPS COM 20825C104   846,183 7,398 SH   SOLE   7,398 0 0
COSTCO WHSL CORP NEW COM 22160K105   583,093 686 SH   SOLE   686 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   3,706,476 89,442 SH   SOLE   89,207 235 0
DISNEY WALT CO COM 254687106   396,961 3,998 SH   SOLE   3,998 0 0
DISNEY WALT CO COM 254687106   9,929 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   233,554 4,766 SH   SOLE   4,766 0 0
DOMINION ENERGY INC COM 25746U109   5,880 120 SH   OTR   120 0 0
DOVER CORP COM 260003108   242,344 1,343 SH   SOLE   1,343 0 0
DUPONT DE NEMOURS INC COM 26614N102   215,149 2,673 SH   SOLE   2,673 0 0
EMERSON ELEC CO COM 291011104   201,592 1,830 SH   SOLE   1,830 0 0
EMERSON ELEC CO COM 291011104   11,016 100 SH   OTR   100 0 0
EXXON MOBIL CORP COM 30231G102   1,282,498 11,140 SH   SOLE   10,940 0 200
EXXON MOBIL CORP COM 30231G102   277,439 2,410 SH   OTR   2,410 0 0
META PLATFORMS INC CL A 30303M102   2,751,528 5,457 SH   SOLE   5,457 0 0
META PLATFORMS INC CL A 30303M102   40,337 80 SH   OTR   80 0 0
FISERV INC COM 337738108   696,463 4,673 SH   SOLE   4,673 0 0
FISERV INC COM 337738108   16,394 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,753,408 74,932 SH   SOLE   74,107 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   23,283 995 SH   OTR   995 0 0
GENERAL DYNAMICS CORP COM 369550108   734,634 2,532 SH   SOLE   2,132 0 400
GENERAL DYNAMICS CORP COM 369550108   371,379 1,280 SH   OTR   1,280 0 0
GILEAD SCIENCES INC COM 375558103   320,134 4,666 SH   SOLE   4,666 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   201,282 445 SH   SOLE   445 0 0
HOME DEPOT INC COM 437076102   2,144,959 6,231 SH   SOLE   5,731 0 500
HOME DEPOT INC COM 437076102   423,415 1,230 SH   OTR   1,230 0 0
HONEYWELL INTL INC COM 438516106   464,235 2,174 SH   SOLE   2,174 0 0
HONEYWELL INTL INC COM 438516106   32,031 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   258,760 1,092 SH   SOLE   377 0 715
ILLINOIS TOOL WKS INC COM 452308109   169,426 715 SH   OTR   715 0 0
INTEL CORP COM 458140100   246,025 7,944 SH   SOLE   7,944 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   573,569 4,190 SH   SOLE   4,190 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   343,132 1,984 SH   SOLE   1,984 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   34,590 200 SH   OTR   200 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   972,886 2,187 SH   SOLE   2,187 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   33,363 75 SH   OTR   75 0 0
INTUIT COM 461202103   208,992 318 SH   SOLE   318 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   284,532 1,732 SH   SOLE   1,732 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,245,621 5,931 SH   SOLE   5,931 0 0
ISHARES TR CORE US AGGBD ET 464287226   12,691,708 130,748 SH   SOLE   130,498 250 0
ISHARES TR CORE US AGGBD ET 464287226   390,900 4,027 SH   OTR   4,027 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   685,102 16,086 SH   SOLE   16,086 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   24,489 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   5,827,756 54,404 SH   SOLE   54,184 220 0
ISHARES TR IBOXX INV CP ETF 464287242   136,578 1,275 SH   OTR   1,275 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   278,082 3,005 SH   SOLE   3,005 0 0
ISHARES TR S&P 500 VAL ETF 464287408   242,437 1,332 SH   SOLE   1,332 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,533,152 70,639 SH   SOLE   70,419 110 110
ISHARES TR MSCI EAFE ETF 464287465   359,299 4,587 SH   OTR   4,587 0 0
ISHARES TR RUS MID CAP ETF 464287499   4,823,611 59,492 SH   SOLE   59,384 60 48
ISHARES TR RUS MID CAP ETF 464287499   101,106 1,247 SH   OTR   1,247 0 0
ISHARES TR US CONSUM DISCRE 464287580   248,716 3,060 SH   SOLE   3,060 0 0
ISHARES TR US CONSUM DISCRE 464287580   91,196 1,122 SH   OTR   1,122 0 0
ISHARES TR RUS 1000 ETF 464287622   339,790 1,142 SH   SOLE   1,142 0 0
ISHARES TR RUS 1000 ETF 464287622   10,413 35 SH   OTR   35 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,526,792 12,454 SH   SOLE   12,434 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   115,647 570 SH   OTR   570 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,052,837 13,130 SH   SOLE   13,130 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   19,754 64 SH   OTR   64 0 0
ISHARES TR U.S. TECH ETF 464287721   413,724 2,749 SH   SOLE   2,749 0 0
ISHARES TR U.S. TECH ETF 464287721   134,697 895 SH   OTR   895 0 0
ISHARES TR US INDUSTRIALS 464287754   300,988 2,520 SH   SOLE   2,520 0 0
ISHARES TR US INDUSTRIALS 464287754   58,764 492 SH   OTR   492 0 0
ISHARES TR U.S. FINLS ETF 464287788   1,023,341 10,821 SH   SOLE   10,821 0 0
ISHARES TR U.S. FINLS ETF 464287788   107,242 1,134 SH   OTR   1,134 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   589,662 5,640 SH   SOLE   5,640 0 0
ISHARES TR NATIONAL MUN ETF 464288414   546,601 5,130 SH   SOLE   5,130 0 0
ISHARES TR IBOXX HI YD ETF 464288513   339,184 4,397 SH   SOLE   4,397 0 0
ISHARES TR MBS ETF 464288588   215,110 2,343 SH   SOLE   2,343 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   242,457 4,305 SH   SOLE   4,305 0 0
ISHARES TR BROAD USD HIGH 46435U853   4,122,460 113,629 SH   SOLE   113,489 140 0
ISHARES TR BROAD USD HIGH 46435U853   246,885 6,805 SH   OTR   6,805 0 0
JPMORGAN CHASE & CO. COM 46625H100   1,991,654 9,847 SH   SOLE   9,825 0 22
JPMORGAN CHASE & CO. COM 46625H100   168,887 835 SH   OTR   835 0 0
JOHNSON & JOHNSON COM 478160104   1,132,740 7,750 SH   SOLE   7,750 0 0
JOHNSON & JOHNSON COM 478160104   90,619 620 SH   OTR   620 0 0
KIMBERLY-CLARK CORP COM 494368103   57,629 417 SH   SOLE   417 0 0
KIMBERLY-CLARK CORP COM 494368103   207,300 1,500 SH   OTR   1,500 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   1,030,148 4,587 SH   SOLE   4,587 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   98,815 440 SH   OTR   440 0 0
LABCORP HOLDINGS INC COM SHS 504922105   225,896 1,110 SH   SOLE   1,110 0 0
LABCORP HOLDINGS INC COM SHS 504922105   7,122 35 SH   OTR   35 0 0
ELI LILLY & CO COM 532457108   2,867,338 3,167 SH   SOLE   3,167 0 0
ELI LILLY & CO COM 532457108   334,990 370 SH   OTR   370 0 0
LOWES COS INC COM 548661107   548,504 2,488 SH   SOLE   2,488 0 0
MARATHON PETE CORP COM 56585A102   337,765 1,947 SH   SOLE   1,947 0 0
MARATHON PETE CORP COM 56585A102   34,696 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,218,042 2,761 SH   SOLE   2,761 0 0
MCDONALDS CORP COM 580135101   2,747,430 10,781 SH   SOLE   10,781 0 0
MCDONALDS CORP COM 580135101   112,129 440 SH   OTR   440 0 0
MERCK & CO INC COM 58933Y105   1,995,284 16,117 SH   SOLE   16,117 0 0
MICROSOFT CORP COM 594918104   12,541,576 28,060 SH   SOLE   27,550 0 510
MICROSOFT CORP COM 594918104   1,012,341 2,265 SH   OTR   2,265 0 0
MONDELEZ INTL INC CL A 609207105   410,308 6,270 SH   SOLE   6,270 0 0
MONDELEZ INTL INC CL A 609207105   6,544 100 SH   OTR   100 0 0
MOODYS CORP COM 615369105   220,988 525 SH   SOLE   525 0 0
MORGAN STANLEY COM NEW 617446448   1,438,120 14,797 SH   SOLE   14,797 0 0
MORGAN STANLEY COM NEW 617446448   64,631 665 SH   OTR   665 0 0
NEXTERA ENERGY INC COM 65339F101   1,761,752 24,880 SH   SOLE   24,280 0 600
NEXTERA ENERGY INC COM 65339F101   352,279 4,975 SH   OTR   4,975 0 0
NORFOLK SOUTHN CORP COM 655844108   617,448 2,876 SH   SOLE   1,926 0 950
NORFOLK SOUTHN CORP COM 655844108   19,322 90 SH   OTR   90 0 0
NVIDIA CORPORATION COM 67066G104   8,350,068 67,590 SH   SOLE   67,590 0 0
NVIDIA CORPORATION COM 67066G104   117,363 950 SH   OTR   950 0 0
ORACLE CORP COM 68389X105   1,960,703 13,886 SH   SOLE   12,886 0 1,000
ORACLE CORP COM 68389X105   264,750 1,875 SH   OTR   1,875 0 0
PNC FINL SVCS GROUP INC COM 693475105   209,276 1,346 SH   SOLE   1,346 0 0
PEPSICO INC COM 713448108   632,177 3,833 SH   SOLE   3,833 0 0
PEPSICO INC COM 713448108   320,623 1,944 SH   OTR   1,944 0 0
PHILIP MORRIS INTL INC COM 718172109   398,328 3,931 SH   SOLE   3,931 0 0
PHILIP MORRIS INTL INC COM 718172109   20,266 200 SH   OTR   200 0 0
PROCTER AND GAMBLE CO COM 742718109   2,358,256 14,299 SH   SOLE   13,999 0 300
PROCTER AND GAMBLE CO COM 742718109   169,867 1,030 SH   OTR   1,030 0 0
PROGRESSIVE CORP COM 743315103   187,562 903 SH   SOLE   903 0 0
PROGRESSIVE CORP COM 743315103   36,349 175 SH   OTR   175 0 0
PROLOGIS INC. COM 74340W103   1,011,239 9,004 SH   SOLE   9,004 0 0
PROLOGIS INC. COM 74340W103   24,932 222 SH   OTR   222 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   283,892 3,852 SH   SOLE   3,852 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   9,212 125 SH   OTR   125 0 0
PUBLIC STORAGE OPER CO COM 74460D109   420,256 1,461 SH   SOLE   1,461 0 0
PUBLIC STORAGE OPER CO COM 74460D109   12,656 44 SH   OTR   44 0 0
RTX CORPORATION COM 75513E101   823,398 8,202 SH   SOLE   8,202 0 0
RTX CORPORATION COM 75513E101   94,868 945 SH   OTR   945 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,232,943 7,778 SH   SOLE   7,778 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   47,347 87 SH   OTR   87 0 0
SPDR GOLD TR GOLD SHS 78463V107   531,719 2,473 SH   SOLE   2,473 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   5,524,659 256,127 SH   SOLE   255,732 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   156,382 7,250 SH   OTR   7,250 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,301,942 68,426 SH   SOLE   68,426 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   576,322 8,970 SH   SOLE   8,970 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,068,692 40,348 SH   SOLE   40,048 300 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   191,091 1,895 SH   OTR   1,895 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   823,399 11,115 SH   SOLE   10,760 355 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,717,007 22,061 SH   SOLE   22,061 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,793,342 79,944 SH   SOLE   79,854 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   34,164 720 SH   OTR   720 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,781,060 67,058 SH   SOLE   66,988 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   36,121 1,360 SH   OTR   1,360 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,769,422 35,615 SH   SOLE   35,615 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   24,105 310 SH   OTR   310 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,443,721 193,746 SH   SOLE   193,746 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   14,023 365 SH   OTR   365 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,184,811 69,873 SH   SOLE   69,873 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,082,150 12,254 SH   SOLE   12,254 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   25,080 284 SH   OTR   284 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,104,037 21,297 SH   SOLE   21,297 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,600,675 20,902 SH   SOLE   20,902 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,344,934 12,856 SH   SOLE   12,856 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,207,464 13,247 SH   SOLE   13,247 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   20,235 222 SH   OTR   222 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,652,951 64,533 SH   SOLE   64,533 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,407,419 19,754 SH   SOLE   19,754 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   9,171,816 40,542 SH   SOLE   40,542 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   26,016 115 SH   OTR   115 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,545,472 29,716 SH   SOLE   29,716 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,283 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   391,244 10,186 SH   SOLE   10,186 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   807,186 11,846 SH   SOLE   11,846 0 0
SEMPRA COM 816851109   370,107 4,866 SH   SOLE   4,866 0 0
SEMPRA COM 816851109   30,424 400 SH   OTR   400 0 0
SERVICENOW INC COM 81762P102   254,094 323 SH   SOLE   323 0 0
SHERWIN WILLIAMS CO COM 824348106   854,703 2,864 SH   SOLE   2,864 0 0
SHERWIN WILLIAMS CO COM 824348106   38,497 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   215,101 2,773 SH   SOLE   2,773 0 0
SOUTHERN CO COM 842587107   35,682 460 SH   OTR   460 0 0
STRYKER CORPORATION COM 863667101   291,254 856 SH   SOLE   856 0 0
SYNOPSYS INC COM 871607107   1,220,468 2,051 SH   SOLE   2,051 0 0
TJX COS INC NEW COM 872540109   1,405,977 12,770 SH   SOLE   12,770 0 0
T-MOBILE US INC COM 872590104   891,823 5,062 SH   SOLE   5,062 0 0
TESLA INC COM 88160R101   527,152 2,664 SH   SOLE   2,664 0 0
TEXAS INSTRS INC COM 882508104   1,458,196 7,496 SH   SOLE   7,496 0 0
TEXAS INSTRS INC COM 882508104   28,206 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,270,618 4,106 SH   SOLE   3,506 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   44,240 80 SH   OTR   80 0 0
3M CO COM 88579Y101   275,913 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   20,438 200 SH   OTR   200 0 0
UDR INC COM 902653104   113,244 2,752 SH   SOLE   592 0 2,160
UDR INC COM 902653104   133,326 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,809,401 7,997 SH   SOLE   7,997 0 0
UNION PAC CORP COM 907818108   46,383 205 SH   OTR   205 0 0
UNITED PARCEL SERVICE INC CL B 911312106   280,131 2,047 SH   SOLE   2,047 0 0
UNITED PARCEL SERVICE INC CL B 911312106   45,844 335 SH   OTR   335 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,416,947 4,746 SH   SOLE   4,746 0 0
UNITEDHEALTH GROUP INC COM 91324P102   22,916 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   832,552 5,311 SH   SOLE   5,311 0 0
VALERO ENERGY CORP COM 91913Y100   22,573 144 SH   OTR   144 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   389,960 6,467 SH   SOLE   6,467 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   16,884 280 SH   OTR   280 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   381,144 5,290 SH   SOLE   5,290 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,060,609 103,978 SH   SOLE   103,873 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   213,563 4,388 SH   OTR   4,388 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,602,037 124,258 SH   SOLE   123,948 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   270,694 3,503 SH   OTR   3,503 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   553,143 1,106 SH   SOLE   1,106 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   776,874 9,275 SH   SOLE   9,255 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   11,307 135 SH   OTR   135 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   735,927 17,845 SH   SOLE   17,845 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   29,899 725 SH   OTR   725 0 0
VISA INC COM CL A 92826C839   417,327 1,590 SH   SOLE   1,590 0 0
VISA INC COM CL A 92826C839   47,244 180 SH   OTR   180 0 0
WALMART INC COM 931142103   1,641,967 24,250 SH   SOLE   24,250 0 0
WALMART INC COM 931142103   104,611 1,545 SH   OTR   1,545 0 0
WASTE MGMT INC DEL COM 94106L109   314,463 1,474 SH   SOLE   1,474 0 0
WELLS FARGO CO NEW COM 949746101   170,211 2,866 SH   SOLE   2,266 0 600
WELLS FARGO CO NEW COM 949746101   83,146 1,400 SH   OTR   1,400 0 0