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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,271,109 6,425 SH   SOLE   5,925 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   176,740 500 SH   OTR   500 0 0
LINDE PLC SHS G54950103   787,772 1,652 SH   SOLE   1,652 0 0
AFLAC INC COM 001055102   542,341 4,851 SH   SOLE   4,851 0 0
AFLAC INC COM 001055102   69,875 625 SH   OTR   625 0 0
AT&T INC COM 00206R102   476,388 21,654 SH   SOLE   21,654 0 0
AT&T INC COM 00206R102   58,300 2,650 SH   OTR   2,650 0 0
ABBOTT LABS COM 002824100   678,587 5,952 SH   SOLE   5,952 0 0
ABBOTT LABS COM 002824100   35,571 312 SH   OTR   312 0 0
ABBVIE INC COM 00287Y109   2,672,101 13,531 SH   SOLE   13,531 0 0
ABBVIE INC COM 00287Y109   195,702 991 SH   OTR   991 0 0
ADOBE INC COM 00724F101   1,155,167 2,231 SH   SOLE   2,231 0 0
ADOBE INC COM 00724F101   25,889 50 SH   OTR   50 0 0
AIR PRODS & CHEMS INC COM 009158106   580,593 1,950 SH   SOLE   1,950 0 0
AIR PRODS & CHEMS INC COM 009158106   71,159 239 SH   OTR   239 0 0
ALLIANT ENERGY CORP COM 018802108   194,814 3,210 SH   SOLE   3,210 0 0
ALLIANT ENERGY CORP COM 018802108   18,207 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101   281,630 1,485 SH   SOLE   1,485 0 0
ALPHABET INC CAP STK CL C 02079K107   351,099 2,100 SH   SOLE   2,100 0 0
ALPHABET INC CAP STK CL A 02079K305   4,471,813 26,963 SH   SOLE   26,963 0 0
ALPHABET INC CAP STK CL A 02079K305   179,947 1,085 SH   OTR   1,085 0 0
AMAZON COM INC COM 023135106   4,093,297 21,968 SH   SOLE   21,968 0 0
AMAZON COM INC COM 023135106   74,532 400 SH   OTR   400 0 0
AMERICAN EXPRESS CO COM 025816109   1,761,444 6,495 SH   SOLE   6,495 0 0
AMERIPRISE FINL INC COM 03076C106   286,584 610 SH   SOLE   610 0 0
AMERIPRISE FINL INC COM 03076C106   18,792 40 SH   OTR   40 0 0
AMGEN INC COM 031162100   1,054,915 3,274 SH   SOLE   2,974 0 300
AMGEN INC COM 031162100   136,939 425 SH   OTR   425 0 0
APPLE INC COM 037833100   11,119,459 47,723 SH   SOLE   47,723 0 0
APPLE INC COM 037833100   391,440 1,680 SH   OTR   1,680 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   176,277 637 SH   SOLE   637 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   114,842 415 SH   OTR   415 0 0
AUTOZONE INC COM 053332102   387,454 123 SH   SOLE   123 0 0
AUTOZONE INC COM 053332102   15,750 5 SH   OTR   5 0 0
BANK AMERICA CORP COM 060505104   1,063,503 26,802 SH   SOLE   26,402 0 400
BANK AMERICA CORP COM 060505104   50,592 1,275 SH   OTR   1,275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,788,255 6,058 SH   SOLE   6,058 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   355,780 773 SH   OTR   773 0 0
BLACKROCK INC COM COM 09247X101   1,003,632 1,057 SH   SOLE   1,057 0 0
BLACKROCK INC COM COM 09247X101   94,001 99 SH   OTR   99 0 0
BLACKSTONE INC COM 09260D107   250,826 1,638 SH   SOLE   1,638 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   339,457 6,560 SH   SOLE   6,560 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   98,306 1,900 SH   OTR   1,900 0 0
BROADCOM INC COM 11135F101   3,000,810 17,396 SH   SOLE   17,396 0 0
CATERPILLAR INC COM 149123101   969,977 2,480 SH   SOLE   2,480 0 0
CHEVRON CORP NEW COM 166764100   2,243,952 15,237 SH   SOLE   15,237 0 0
CHEVRON CORP NEW COM 166764100   102,352 695 SH   OTR   695 0 0
CISCO SYS INC COM 17275R102   932,796 17,527 SH   SOLE   15,677 0 1,850
CISCO SYS INC COM 17275R102   77,967 1,465 SH   OTR   1,465 0 0
CINTAS CORP COM 172908105   399,407 1,940 SH   SOLE   1,940 0 0
COCA COLA CO COM 191216100   1,616,418 22,494 SH   SOLE   22,494 0 0
COCA COLA CO COM 191216100   67,189 935 SH   OTR   935 0 0
COLGATE PALMOLIVE CO COM 194162103   502,751 4,843 SH   SOLE   4,843 0 0
COLGATE PALMOLIVE CO COM 194162103   39,863 384 SH   OTR   384 0 0
COMCAST CORP NEW CL A 20030N101   265,323 6,352 SH   SOLE   6,352 0 0
CONOCOPHILLIPS COM 20825C104   771,176 7,325 SH   SOLE   7,325 0 0
COSTCO WHSL CORP NEW COM 22160K105   601,947 679 SH   SOLE   679 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200   4,235,994 100,809 SH   SOLE   100,574 235 0
DISNEY WALT CO COM 254687106   356,672 3,708 SH   SOLE   3,708 0 0
DISNEY WALT CO COM 254687106   9,619 100 SH   OTR   100 0 0
DOMINION ENERGY INC COM 25746U109   305,063 5,278 SH   SOLE   5,278 0 0
DOMINION ENERGY INC COM 25746U109   12,713 220 SH   OTR   220 0 0
DOVER CORP COM 260003108   253,672 1,323 SH   SOLE   1,323 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   203,273 1,763 SH   SOLE   1,763 0 0
DUPONT DE NEMOURS INC COM 26614N102   220,369 2,473 SH   SOLE   2,473 0 0
EXXON MOBIL CORP COM 30231G102   1,423,168 12,141 SH   SOLE   11,941 0 200
EXXON MOBIL CORP COM 30231G102   282,500 2,410 SH   OTR   2,410 0 0
META PLATFORMS INC CL A 30303M102   3,036,794 5,305 SH   SOLE   5,305 0 0
META PLATFORMS INC CL A 30303M102   45,795 80 SH   OTR   80 0 0
FISERV INC COM 337738108   839,504 4,673 SH   SOLE   4,673 0 0
FISERV INC COM 337738108   19,761 110 SH   OTR   110 0 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   1,572,693 65,257 SH   SOLE   64,432 825 0
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   23,377 970 SH   OTR   970 0 0
GENERAL DYNAMICS CORP COM 369550108   765,170 2,532 SH   SOLE   2,132 0 400
GENERAL DYNAMICS CORP COM 369550108   386,816 1,280 SH   OTR   1,280 0 0
GILEAD SCIENCES INC COM 375558103   391,197 4,666 SH   SOLE   4,666 0 0
HOME DEPOT INC COM 437076102   2,520,749 6,221 SH   SOLE   5,721 0 500
HOME DEPOT INC COM 437076102   498,396 1,230 SH   OTR   1,230 0 0
HONEYWELL INTL INC COM 438516106   349,753 1,692 SH   SOLE   1,692 0 0
HONEYWELL INTL INC COM 438516106   31,006 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109   283,297 1,081 SH   SOLE   366 0 715
ILLINOIS TOOL WKS INC COM 452308109   187,380 715 SH   OTR   715 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   659,427 4,105 SH   SOLE   4,105 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   467,142 2,113 SH   SOLE   2,113 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   55,270 250 SH   OTR   250 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,098,970 2,237 SH   SOLE   2,237 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   36,845 75 SH   OTR   75 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   301,347 1,682 SH   SOLE   1,682 0 0
ISHARES TR CORE S&P500 ETF 464287200   5,411,148 9,381 SH   SOLE   9,381 0 0
ISHARES TR CORE US AGGBD ET 464287226   14,169,394 139,917 SH   SOLE   139,667 250 0
ISHARES TR CORE US AGGBD ET 464287226   573,188 5,660 SH   OTR   5,660 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   688,358 15,010 SH   SOLE   15,010 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   26,369 575 SH   OTR   575 0 0
ISHARES TR IBOXX INV CP ETF 464287242   6,269,260 55,490 SH   SOLE   55,270 220 0
ISHARES TR IBOXX INV CP ETF 464287242   154,217 1,365 SH   OTR   1,365 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   282,941 2,955 SH   SOLE   2,955 0 0
ISHARES TR S&P 500 VAL ETF 464287408   272,488 1,382 SH   SOLE   1,382 0 0
ISHARES TR MSCI EAFE ETF 464287465   5,915,233 70,731 SH   SOLE   70,511 110 110
ISHARES TR MSCI EAFE ETF 464287465   382,356 4,572 SH   OTR   4,572 0 0
ISHARES TR RUS MID CAP ETF 464287499   6,045,434 68,589 SH   SOLE   68,481 60 48
ISHARES TR RUS MID CAP ETF 464287499   109,910 1,247 SH   OTR   1,247 0 0
ISHARES TR US CONSUM DISCRE 464287580   262,149 2,981 SH   SOLE   2,981 0 0
ISHARES TR US CONSUM DISCRE 464287580   98,668 1,122 SH   OTR   1,122 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   204,582 545 SH   SOLE   545 0 0
ISHARES TR RUS 1000 ETF 464287622   359,033 1,142 SH   SOLE   1,142 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   2,746,546 12,434 SH   SOLE   12,414 0 20
ISHARES TR RUSSELL 2000 ETF 464287655   125,907 570 SH   OTR   570 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   4,232,787 12,955 SH   SOLE   12,955 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   19,277 59 SH   OTR   59 0 0
ISHARES TR U.S. TECH ETF 464287721   411,951 2,717 SH   SOLE   2,717 0 0
ISHARES TR U.S. TECH ETF 464287721   135,699 895 SH   OTR   895 0 0
ISHARES TR US INDUSTRIALS 464287754   336,313 2,516 SH   SOLE   2,516 0 0
ISHARES TR US INDUSTRIALS 464287754   65,765 492 SH   OTR   492 0 0
ISHARES TR U.S. FINLS ETF 464287788   1,120,561 10,785 SH   SOLE   10,785 0 0
ISHARES TR U.S. FINLS ETF 464287788   117,822 1,134 SH   OTR   1,134 0 0
ISHARES TR SHRT NAT MUN ETF 464288158   477,855 4,500 SH   SOLE   4,500 0 0
ISHARES TR NATIONAL MUN ETF 464288414   616,475 5,675 SH   SOLE   5,675 0 0
ISHARES TR IBOXX HI YD ETF 464288513   305,702 3,807 SH   SOLE   3,807 0 0
ISHARES TR MBS ETF 464288588   222,854 2,326 SH   SOLE   2,326 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867   255,028 4,305 SH   SOLE   4,305 0 0
ISHARES TR US TREAS BD ETF 46429B267   201,458 8,591 SH   SOLE   8,591 0 0
ISHARES TR BROAD USD HIGH 46435U853   4,443,678 118,026 SH   SOLE   117,886 140 0
ISHARES TR BROAD USD HIGH 46435U853   255,455 6,785 SH   OTR   6,785 0 0
JPMORGAN CHASE & CO. COM 46625H100   2,098,267 9,951 SH   SOLE   9,929 0 22
JPMORGAN CHASE & CO. COM 46625H100   176,068 835 SH   OTR   835 0 0
JOHNSON & JOHNSON COM 478160104   1,270,550 7,840 SH   SOLE   7,840 0 0
JOHNSON & JOHNSON COM 478160104   100,477 620 SH   OTR   620 0 0
KIMBERLY-CLARK CORP COM 494368103   55,062 387 SH   SOLE   387 0 0
KIMBERLY-CLARK CORP COM 494368103   213,420 1,500 SH   OTR   1,500 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   1,090,633 4,585 SH   SOLE   4,585 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   104,662 440 SH   OTR   440 0 0
LABCORP HOLDINGS INC COM SHS 504922105   248,062 1,110 SH   SOLE   1,110 0 0
LABCORP HOLDINGS INC COM SHS 504922105   7,821 35 SH   OTR   35 0 0
ELI LILLY & CO COM 532457108   2,710,976 3,060 SH   SOLE   3,060 0 0
ELI LILLY & CO COM 532457108   327,797 370 SH   OTR   370 0 0
LOWES COS INC COM 548661107   648,414 2,394 SH   SOLE   2,394 0 0
MARATHON PETE CORP COM 56585A102   304,804 1,871 SH   SOLE   1,871 0 0
MARATHON PETE CORP COM 56585A102   32,582 200 SH   OTR   200 0 0
MASTERCARD INCORPORATED CL A 57636Q104   1,369,307 2,773 SH   SOLE   2,773 0 0
MCDONALDS CORP COM 580135101   3,292,362 10,812 SH   SOLE   10,812 0 0
MCDONALDS CORP COM 580135101   133,984 440 SH   OTR   440 0 0
MERCK & CO INC COM 58933Y105   1,846,599 16,261 SH   SOLE   16,261 0 0
MERCK & CO INC COM 58933Y105   11,356 100 SH   OTR   100 0 0
MICROSOFT CORP COM 594918104   11,991,700 27,868 SH   SOLE   27,358 0 510
MICROSOFT CORP COM 594918104   974,629 2,265 SH   OTR   2,265 0 0
MONDELEZ INTL INC CL A 609207105   428,759 5,820 SH   SOLE   5,820 0 0
MONDELEZ INTL INC CL A 609207105   10,313 140 SH   OTR   140 0 0
MOODYS CORP COM 615369105   249,159 525 SH   SOLE   525 0 0
MORGAN STANLEY COM NEW 617446448   1,510,958 14,495 SH   SOLE   14,495 0 0
MORGAN STANLEY COM NEW 617446448   69,319 665 SH   OTR   665 0 0
NEXTERA ENERGY INC COM 65339F101   2,072,337 24,516 SH   SOLE   23,916 0 600
NEXTERA ENERGY INC COM 65339F101   420,536 4,975 SH   OTR   4,975 0 0
NORFOLK SOUTHN CORP COM 655844108   698,782 2,812 SH   SOLE   1,862 0 950
NORFOLK SOUTHN CORP COM 655844108   22,365 90 SH   OTR   90 0 0
NVIDIA CORPORATION COM 67066G104   7,879,148 64,881 SH   SOLE   64,881 0 0
NVIDIA CORPORATION COM 67066G104   115,368 950 SH   OTR   950 0 0
ORACLE CORP COM 68389X105   2,357,824 13,837 SH   SOLE   12,837 0 1,000
ORACLE CORP COM 68389X105   310,980 1,825 SH   OTR   1,825 0 0
PNC FINL SVCS GROUP INC COM 693475105   248,808 1,346 SH   SOLE   1,346 0 0
PEPSICO INC COM 713448108   563,693 3,314 SH   SOLE   3,314 0 0
PEPSICO INC COM 713448108   330,577 1,944 SH   OTR   1,944 0 0
PFIZER INC COM 717081103   186,141 6,431 SH   SOLE   6,431 0 0
PFIZER INC COM 717081103   17,364 600 SH   OTR   600 0 0
PHILIP MORRIS INTL INC COM 718172109   507,816 4,183 SH   SOLE   4,183 0 0
PHILIP MORRIS INTL INC COM 718172109   24,280 200 SH   OTR   200 0 0
PROCTER AND GAMBLE CO COM 742718109   2,458,123 14,192 SH   SOLE   13,892 0 300
PROCTER AND GAMBLE CO COM 742718109   178,396 1,030 SH   OTR   1,030 0 0
PROGRESSIVE CORP COM 743315103   229,145 903 SH   SOLE   903 0 0
PROGRESSIVE CORP COM 743315103   44,408 175 SH   OTR   175 0 0
PROLOGIS INC. COM 74340W103   1,123,765 8,899 SH   SOLE   8,899 0 0
PROLOGIS INC. COM 74340W103   28,034 222 SH   OTR   222 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   327,133 3,667 SH   SOLE   3,667 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   11,151 125 SH   OTR   125 0 0
PUBLIC STORAGE OPER CO COM 74460D109   543,621 1,494 SH   SOLE   1,494 0 0
PUBLIC STORAGE OPER CO COM 74460D109   16,010 44 SH   OTR   44 0 0
RTX CORPORATION COM 75513E101   1,112,369 9,181 SH   SOLE   9,181 0 0
RTX CORPORATION COM 75513E101   114,496 945 SH   OTR   945 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,485,655 7,818 SH   SOLE   7,818 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   49,917 87 SH   OTR   87 0 0
SPDR GOLD TR GOLD SHS 78463V107   601,087 2,473 SH   SOLE   2,473 0 0
SPDR GOLD TR GOLD SHS 78463V107   7,291 30 SH   OTR   30 0 0
SPDR SER TR PORT MTG BK ETF 78464A383   5,771,127 256,153 SH   SOLE   255,758 395 0
SPDR SER TR PORT MTG BK ETF 78464A383   163,342 7,250 SH   OTR   7,250 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,563,870 68,609 SH   SOLE   68,609 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   720,567 10,620 SH   SOLE   10,620 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,218,769 40,495 SH   SOLE   40,195 300 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   228,675 2,195 SH   OTR   2,195 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   887,284 11,040 SH   SOLE   10,685 355 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,014,611 12,211 SH   SOLE   12,211 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,176,289 81,093 SH   SOLE   81,003 90 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   37,080 720 SH   OTR   720 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,016,308 69,099 SH   SOLE   69,029 70 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   39,684 1,360 SH   OTR   1,360 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,942,658 34,812 SH   SOLE   34,812 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   26,204 310 SH   OTR   310 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,975,224 193,950 SH   SOLE   193,950 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   15,008 365 SH   OTR   365 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   3,510,872 73,882 SH   SOLE   73,882 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   1,126,200 11,685 SH   SOLE   11,685 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   27,371 284 SH   OTR   284 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,001,849 19,490 SH   SOLE   19,490 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   1,606,963 19,361 SH   SOLE   19,361 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   2,333,509 11,646 SH   SOLE   11,646 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,103,207 12,565 SH   SOLE   12,565 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   19,491 222 SH   OTR   222 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   2,747,253 60,619 SH   SOLE   60,619 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   2,536,114 18,725 SH   SOLE   18,725 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   8,614,550 38,158 SH   SOLE   38,158 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   25,962 115 SH   OTR   115 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,531,471 28,003 SH   SOLE   28,003 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   4,520 50 SH   OTR   50 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   426,196 9,541 SH   SOLE   9,541 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   916,691 11,348 SH   SOLE   11,348 0 0
SEMPRA COM 816851109   401,256 4,798 SH   SOLE   4,798 0 0
SEMPRA COM 816851109   33,452 400 SH   OTR   400 0 0
SERVICENOW INC COM 81762P102   274,577 307 SH   SOLE   307 0 0
SHERWIN WILLIAMS CO COM 824348106   1,120,201 2,935 SH   SOLE   2,935 0 0
SHERWIN WILLIAMS CO COM 824348106   49,235 129 SH   OTR   129 0 0
SOUTHERN CO COM 842587107   250,069 2,773 SH   SOLE   2,773 0 0
SOUTHERN CO COM 842587107   41,482 460 SH   OTR   460 0 0
STRYKER CORPORATION COM 863667101   340,306 942 SH   SOLE   942 0 0
SYNOPSYS INC COM 871607107   1,022,907 2,020 SH   SOLE   2,020 0 0
TJX COS INC NEW COM 872540109   1,461,844 12,437 SH   SOLE   12,437 0 0
T-MOBILE US INC COM 872590104   1,078,024 5,224 SH   SOLE   5,224 0 0
TESLA INC COM 88160R101   694,366 2,654 SH   SOLE   2,654 0 0
TEXAS INSTRS INC COM 882508104   1,537,087 7,441 SH   SOLE   7,441 0 0
TEXAS INSTRS INC COM 882508104   29,952 145 SH   OTR   145 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,480,465 4,010 SH   SOLE   3,410 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102   49,485 80 SH   OTR   80 0 0
3M CO COM 88579Y101   369,090 2,700 SH   SOLE   2,700 0 0
3M CO COM 88579Y101   27,340 200 SH   OTR   200 0 0
UDR INC COM 902653104   118,654 2,617 SH   SOLE   457 0 2,160
UDR INC COM 902653104   146,901 3,240 SH   OTR   3,240 0 0
UNION PAC CORP COM 907818108   1,950,642 7,914 SH   SOLE   7,914 0 0
UNION PAC CORP COM 907818108   50,528 205 SH   OTR   205 0 0
UNITED PARCEL SERVICE INC CL B 911312106   167,016 1,225 SH   SOLE   1,225 0 0
UNITED PARCEL SERVICE INC CL B 911312106   45,673 335 SH   OTR   335 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,694,205 4,608 SH   SOLE   4,608 0 0
UNITEDHEALTH GROUP INC COM 91324P102   26,310 45 SH   OTR   45 0 0
VALERO ENERGY CORP COM 91913Y100   716,739 5,308 SH   SOLE   5,308 0 0
VALERO ENERGY CORP COM 91913Y100   19,444 144 SH   OTR   144 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   446,058 6,890 SH   SOLE   6,890 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   18,127 280 SH   OTR   280 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   479,952 6,390 SH   SOLE   6,390 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   5,437,983 108,154 SH   SOLE   108,049 105 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   219,874 4,373 SH   OTR   4,373 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   9,161,335 115,353 SH   SOLE   115,043 310 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   287,341 3,618 SH   OTR   3,618 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   583,603 1,106 SH   SOLE   1,106 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   876,000 8,992 SH   SOLE   8,972 0 20
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,151 135 SH   OTR   135 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   817,182 18,196 SH   SOLE   18,196 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   32,559 725 SH   OTR   725 0 0
VISA INC COM CL A 92826C839   388,229 1,412 SH   SOLE   1,412 0 0
VISA INC COM CL A 92826C839   49,491 180 SH   OTR   180 0 0
WALMART INC COM 931142103   1,948,739 24,133 SH   SOLE   24,133 0 0
WALMART INC COM 931142103   124,758 1,545 SH   OTR   1,545 0 0
WASTE MGMT INC DEL COM 94106L109   319,496 1,539 SH   SOLE   1,539 0 0
WELLS FARGO CO NEW COM 949746101   161,900 2,866 SH   SOLE   2,266 0 600
WELLS FARGO CO NEW COM 949746101   79,086 1,400 SH   OTR   1,400 0 0