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
3M CO Equities 88579Y101 292 1,519 SH   DFND   0 0 0
3M CO Equities 88579Y101 484 2,516 SH   SOLE   0 0 0
ABBOTT LABORATORIES Equities 002824100 112 940 SH   DFND   0 0 0
ABBOTT LABORATORIES Equities 002824100 6,128 51,138 SH   SOLE   0 0 0
ABBVIE INC COM Equities 00287Y109 101 940 SH   DFND   0 0 0
ABBVIE INC COM Equities 00287Y109 6,646 61,420 SH   SOLE   0 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101 216 785 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 30 15 SH   DFND   0 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 680 330 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 55 27 SH   DFND   0 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 932 451 SH   SOLE   0 0 0
AMAZON.COM INC Equities 023135106 30 10 SH   DFND   0 0 0
AMAZON.COM INC Equities 023135106 476 154 SH   SOLE   0 0 0
AMERICAN EXPRESS CO Equities 025816109 28 200 SH   DFND   0 0 0
AMERICAN EXPRESS CO Equities 025816109 267 1,888 SH   SOLE   0 0 0
AMGEN INC Equities 031162100 121 488 SH   DFND   0 0 0
AMGEN INC Equities 031162100 273 1,099 SH   SOLE   0 0 0
APPLE INC Equities 037833100 311 2,546 SH   DFND   0 0 0
APPLE INC Equities 037833100 7,535 61,679 SH   SOLE   0 0 560
AT&T INC Equities 00206R102 94 3,125 SH   DFND   0 0 0
AT&T INC Equities 00206R102 652 21,563 SH   SOLE   0 0 0
ATLAS AIR WORLDWIDE CONV 2.25 Fixed Income 049164BH8 52 50,000 PRN   SOLE   0 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 286 1,521 SH   DFND   0 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 1,702 9,031 SH   SOLE   0 0 0
BECTON DICKINSON & CO Equities 075887109 158 650 SH   DFND   0 0 0
BECTON DICKINSON & CO Equities 075887109 774 3,184 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 292 1,145 SH   SOLE   0 0 0
BLACKROCK INC Equities 09247X101 232 308 SH   SOLE   0 0 0
BOEING CO Equities 097023105 271 1,064 SH   SOLE   0 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 45 715 SH   DFND   0 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 547 8,672 SH   SOLE   0 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 32 300 SH   DFND   0 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 325 2,962 SH   SOLE   0 0 0
CARRIER GLOBAL CORP Equities 14448C104 49 1,175 SH   DFND   0 0 0
CARRIER GLOBAL CORP Equities 14448C104 210 4,975 SH   SOLE   0 0 0
CHEVRON CORP Equities 166764100 49 473 SH   DFND   0 0 0
CHEVRON CORP Equities 166764100 587 5,607 SH   SOLE   0 0 0
CHUBB LIMITED Equities H1467J104 45 289 SH   DFND   0 0 0
CHUBB LIMITED Equities H1467J104 1,076 6,816 SH   SOLE   0 0 0
CISCO SYSTEMS INC Equities 17275R102 167 3,240 SH   DFND   0 0 0
CISCO SYSTEMS INC Equities 17275R102 518 10,038 SH   SOLE   0 0 0
CLEVELAND CLIFFS INC NEW Equities 185899101 224 11,150 SH   SOLE   0 0 0
COCA COLA CO Equities 191216100 56 1,070 SH   DFND   0 0 0
COCA COLA CO Equities 191216100 923 17,518 SH   SOLE   0 0 0
COMCAST CORP CLASS A Equities 20030N101 28 529 SH   DFND   0 0 0
COMCAST CORP CLASS A Equities 20030N101 261 4,832 SH   SOLE   0 0 0
COSTCO WHOLESALE CORP Equities 22160K105 101 287 SH   DFND   0 0 0
COSTCO WHOLESALE CORP Equities 22160K105 1,704 4,836 SH   SOLE   0 0 0
CSX CORP Equities 126408103 15 160 SH   DFND   0 0 0
CSX CORP Equities 126408103 689 7,150 SH   SOLE   0 0 0
CVS HEALTH CORPORATION Equities 126650100 4 60 SH   DFND   0 0 0
CVS HEALTH CORPORATION Equities 126650100 332 4,423 SH   SOLE   0 0 0
DEERE & COMPANY Equities 244199105 47 127 SH   DFND   0 0 0
DEERE & COMPANY Equities 244199105 550 1,472 SH   SOLE   0 0 0
DISNEY WALT CO Equities 254687106 2 16 SH   DFND   0 0 0
DISNEY WALT CO Equities 254687106 2,786 15,099 SH   SOLE   0 0 0
ELEMENTS ROGERS INTL COMMODITY Equities 870297801 194 35,336 SH   SOLE   0 0 0
EMERSON ELECTRIC CO Equities 291011104 22 244 SH   DFND   0 0 0
EMERSON ELECTRIC CO Equities 291011104 279 3,100 SH   SOLE   0 0 0
ENERGY TRANSFER LTD PARTNERSHIP Equities 29273V100 358 46,654 SH   SOLE   0 0 0
ENTERPRISE PRODUCTS PARTNERS LP Equities 293792107 602 27,374 SH   SOLE   0 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 409 3,800 SH   SOLE   0 0 0
EXXON MOBIL CORP Equities 30231G102 145 2,600 SH   DFND   0 0 0
EXXON MOBIL CORP Equities 30231G102 1,986 35,576 SH   SOLE   0 0 0
FEDEX CORP Equities 31428X106 35 125 SH   DFND   0 0 0
FEDEX CORP Equities 31428X106 461 1,624 SH   SOLE   0 0 0
GENERAL ELECTRIC CO Equities 369604103 29 2,263 SH   DFND   0 0 0
GENERAL ELECTRIC CO Equities 369604103 449 34,258 SH   SOLE   0 0 0
GENERAL MILLS INC Equities 370334104 104 1,700 SH   DFND   0 0 0
GENERAL MILLS INC Equities 370334104 162 2,642 SH   SOLE   0 0 0
GENESIS ENERGY LP Equities 371927104 94 10,164 SH   SOLE   0 0 0
GLOBAL X MLP NEW ETF Equities 37954Y343 289 8,757 SH   SOLE   0 0 0
GLOBALSTAR INC Equities 378973408 24 18,000 SH   SOLE   0 0 0
GOLDMAN SACHS ACCESS TRSY 0-1 Y Fixed Income 381430529 310 3,098 SH   SOLE   0 0 0
HARLEY DAVIDSON INC Equities 412822108 561 14,000 SH   SOLE   0 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 2 12 SH   DFND   0 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 959 4,419 SH   SOLE   0 0 0
IDACORP INC Equities 451107106 130 1,308 SH   DFND   0 0 0
IDACORP INC Equities 451107106 132 1,330 SH   SOLE   0 0 0
INTEL CORP Equities 458140100 132 2,076 SH   DFND   0 0 0
INTEL CORP Equities 458140100 1,180 18,441 SH   SOLE   0 0 126
INTERNATIONAL BUSINESS MACHINES Equities 459200101 115 863 SH   DFND   0 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 641 4,815 SH   SOLE   0 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 369 2,437 SH   SOLE   0 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 392 17,755 SH   SOLE   0 0 0
ISHARES 1-3 YR TREASURY BOND ET Fixed Income 464287457 310 3,598 SH   SOLE   0 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 363 5,644 SH   SOLE   0 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 9 141 SH   DFND   0 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 767 10,918 SH   SOLE   0 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 2,377 5,976 SH   SOLE   0 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 476 1,829 SH   SOLE   0 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,414 12,426 SH   SOLE   0 0 0
ISHARES MBS (MKT) Fixed Income 464288588 0 4 SH   DFND   0 0 0
ISHARES MBS (MKT) Fixed Income 464288588 316 2,918 SH   SOLE   0 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 83 1,095 SH   DFND   0 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 1,108 14,616 SH   SOLE   0 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 278 5,215 SH   SOLE   0 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 271 2,226 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 2,894 13,099 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 77 259 SH   DFND   0 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 559 1,857 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 58 365 SH   DFND   0 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 196 1,230 SH   SOLE   0 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 135 1,832 SH   DFND   0 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 2,557 34,588 SH   SOLE   0 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 341 3,353 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 228 2,919 SH   SOLE   0 0 0
JOHNSON AND JOHNSON Equities 478160104 201 1,223 SH   DFND   0 0 0
JOHNSON AND JOHNSON Equities 478160104 3,204 19,499 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 186 1,226 SH   DFND   0 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 2,265 14,880 SH   SOLE   0 0 0
KIMBERLY-CLARK CORP Equities 494368103 92 664 SH   DFND   0 0 0
KIMBERLY-CLARK CORP Equities 494368103 418 3,012 SH   SOLE   0 0 0
LINDE PLC Equities G5494J103 161 575 SH   DFND   0 0 0
LINDE PLC Equities G5494J103 623 2,226 SH   SOLE   0 0 0
MAGELLAN MIDSTREAM PARTNERS LP Equities 559080106 230 5,316 SH   SOLE   0 0 0
MCDONALDS CORP Equities 580135101 173 773 SH   DFND   0 0 0
MCDONALDS CORP Equities 580135101 887 3,959 SH   SOLE   0 0 0
MERCK & CO INC Equities 58933Y105 7 100 SH   DFND   0 0 0
MERCK & CO INC Equities 58933Y105 351 4,565 SH   SOLE   0 0 0
MICROSOFT CORP Equities 594918104 840 3,564 SH   DFND   0 0 0
MICROSOFT CORP Equities 594918104 6,887 29,214 SH   SOLE   0 0 531
MONDELEZ INTL INC CL A Equities 609207105 5 90 SH   DFND   0 0 0
MONDELEZ INTL INC CL A Equities 609207105 241 4,124 SH   SOLE   0 0 0
NEXTERA ENERGY INC Equities 65339F101 129 1,712 SH   DFND   0 0 0
NEXTERA ENERGY INC Equities 65339F101 1,552 20,536 SH   SOLE   0 0 0
NORFOLK SOUTHERN CORP Equities 655844108 319 1,190 SH   SOLE   0 0 0
NOVARTIS AG ADR Equities 66987V109 29 350 SH   DFND   0 0 0
NOVARTIS AG ADR Equities 66987V109 478 5,603 SH   SOLE   0 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 3,128 210,563 SH   SOLE   0 0 0
ORACLE CORP Equities 68389X105 84 1,200 SH   DFND   0 0 0
ORACLE CORP Equities 68389X105 385 5,491 SH   SOLE   0 0 0
PEPSICO INC Equities 713448108 176 1,246 SH   DFND   0 0 0
PEPSICO INC Equities 713448108 968 6,849 SH   SOLE   0 0 0
PFIZER INC Equities 717081103 68 1,877 SH   DFND   0 0 0
PFIZER INC Equities 717081103 382 10,571 SH   SOLE   0 0 0
PHILIP MORRIS INTL INC Equities 718172109 17 196 SH   DFND   0 0 0
PHILIP MORRIS INTL INC Equities 718172109 251 2,835 SH   SOLE   0 0 0
PHILLIPS 66 Equities 718546104 37 460 SH   DFND   0 0 0
PHILLIPS 66 Equities 718546104 226 2,776 SH   SOLE   0 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 666 37,440 SH   SOLE   0 0 0
PLAINS ALL AMERICAN PIPELINE LP Equities 726503105 92 10,167 SH   SOLE   0 0 0
PROCTER & GAMBLE CO Equities 742718109 200 1,478 SH   DFND   0 0 0
PROCTER & GAMBLE CO Equities 742718109 2,694 19,893 SH   SOLE   0 0 0
QUALCOMM INC Equities 747525103 33 250 SH   DFND   0 0 0
QUALCOMM INC Equities 747525103 759 5,729 SH   SOLE   0 0 0
RAYTHEON TECHS CORP Equities 75513E101 130 1,691 SH   DFND   0 0 0
RAYTHEON TECHS CORP Equities 75513E101 824 10,671 SH   SOLE   0 0 0
S&P GLOBAL INC Equities 78409V104 146 416 SH   DFND   0 0 0
S&P GLOBAL INC Equities 78409V104 578 1,639 SH   SOLE   0 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 338 4,638 SH   DFND   0 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 624 8,564 SH   SOLE   1,272 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 1,370 14,268 SH   SOLE   0 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 689 6,922 SH   SOLE   0 0 0
SPDR DOW JONES INTL REAL ESTATE Equities 78463X863 346 10,053 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 2,160 4,538 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 127 1,348 SH   DFND   0 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 1,008 10,651 SH   SOLE   0 0 0
SPROTT PHYSICAL GOLD & SILVER T Equities 85208R101 176 10,148 SH   SOLE   0 0 0
STARBUCKS CORP Equities 855244109 577 5,288 SH   SOLE   0 0 18
STATE STREET CORPORATION Equities 857477103 67 804 SH   DFND   0 0 0
STATE STREET CORPORATION Equities 857477103 177 2,109 SH   SOLE   0 0 0
SUN LIFE FINANCIAL INC Equities 866796105 419 8,303 SH   SOLE   0 0 0
TARGET CORP Equities 87612E106 39 200 SH   DFND   0 0 0
TARGET CORP Equities 87612E106 1,036 5,231 SH   SOLE   0 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 462 1,013 SH   SOLE   0 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 29 171 SH   DFND   0 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 508 2,991 SH   SOLE   0 0 0
US BANCORP Equities 902973304 224 4,067 SH   SOLE   0 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 722 14,712 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 41 791 SH   DFND   0 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 630 12,109 SH   SOLE   0 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 1,259 4,900 SH   SOLE   0 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 538 5,324 SH   DFND   0 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 993 9,833 SH   SOLE   1,461 0 0
VANGUARD LARGE CAP ETF Equities 922908637 1,159 6,256 SH   SOLE   0 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 309 3,369 SH   SOLE   0 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 595 7,250 SH   SOLE   0 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 337 4,093 SH   SOLE   0 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 452 7,927 SH   SOLE   0 0 0
VANGUARD VALUE ETF Equities 922908744 1,213 9,232 SH   SOLE   0 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 107 1,856 SH   DFND   0 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 806 13,872 SH   SOLE   0 0 0
VF CORPORATION Equities 918204108 118 1,487 SH   DFND   0 0 0
VF CORPORATION Equities 918204108 778 9,739 SH   SOLE   0 0 0
VISA INC CL A Equities 92826C839 9 44 SH   DFND   0 0 0
VISA INC CL A Equities 92826C839 471 2,229 SH   SOLE   0 0 0
WELLS FARGO & COMPANY Equities 949746101 144 3,700 SH   DFND   0 0 0
WELLS FARGO & COMPANY Equities 949746101 915 23,433 SH   SOLE   0 0 0