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
AT&T Inc Com 00206R102 1,957 93,378 SH   SOLE 0 93,306 0 72
AT&T Inc Com 00206R102 1 40 SH   DFND 0 40 0 0
Abbott Laboratories Com 002824100 9,089 83,657 SH   SOLE 0 79,171 0 4,486
Abbott Laboratories Com 002824100 112 1,031 SH   DFND 0 1,031 0 0
AbbVie Inc Com 00287Y109 7,313 47,745 SH   SOLE 0 47,554 0 191
AbbVie Inc Com 00287Y109 180 1,173 SH   DFND 0 1,173 0 0
Aberdeen Std Gold ETF Com 00326A104 440 25,380 SH   SOLE 0 25,380 0 0
Adobe Systems Inc Com 00724F101 715 1,953 SH   SOLE 0 1,953 0 0
Advanced Micro Devices Inc Com 007903107 3,159 41,306 SH   SOLE 0 41,240 0 66
Advanced Micro Devices Inc Com 007903107 86 1,124 SH   DFND 0 1,124 0 0
Agilent Technologies Inc Com 00846U101 214 1,802 SH   SOLE 0 1,802 0 0
Air Products & Chemicals Inc Com 009158106 2,476 10,294 SH   SOLE 0 10,276 0 18
Air Products & Chemicals Inc Com 009158106 2 10 SH   DFND 0 10 0 0
Allstate Corp Com 020002101 697 5,500 SH   SOLE 0 5,500 0 0
Alphabet Inc-C Com 02079K107 2,828 1,293 SH   SOLE 0 1,293 0 0
Alphabet Inc-C Com 02079K107 131 60 SH   DFND 0 60 0 0
Alphabet Inc-A Com 02079K305 6,812 3,126 SH   SOLE 0 3,126 0 0
Alphabet Inc-A Com 02079K305 177 81 SH   DFND 0 81 0 0
Amazon.com Inc Com 023135106 5,572 52,460 SH   SOLE 0 51,860 0 600
Amazon.com Inc Com 023135106 42 400 SH   DFND 0 400 0 0
American Electric Power Co Inc Com 025537101 534 5,563 SH   SOLE 0 5,563 0 0
American Express Co Com 025816109 1,032 7,442 SH   SOLE 0 7,442 0 0
American Express Co Com 025816109 40 287 SH   DFND 0 287 0 0
American Tower Corp Com 03027X100 386 1,511 SH   SOLE 0 1,511 0 0
American Water Works Co Inc Com 030420103 2,578 17,328 SH   SOLE 0 17,293 0 35
American Water Works Co Inc Com 030420103 87 587 SH   DFND 0 587 0 0
Amgen Inc Com 031162100 5,027 20,662 SH   SOLE 0 12,956 0 7,706
Amgen Inc Com 031162100 118 483 SH   DFND 0 483 0 0
Analog Devices Inc Com 032654105 2,532 17,334 SH   SOLE 0 17,301 0 33
Analog Devices Inc Com 032654105 89 612 SH   DFND 0 612 0 0
Apple Inc Com 037833100 29,628 216,707 SH   SOLE 0 214,745 0 1,962
Apple Inc Com 037833100 231 1,692 SH   DFND 0 1,692 0 0
Arbor Realty Trust Inc Com 038923108 398 30,376 SH   SOLE 0 30,376 0 0
ADR AstraZeneca PLC- II Sp Com 046353108 507 7,679 SH   SOLE 0 7,679 0 0
Automatic Data Processing Inc Com 053015103 1,565 7,449 SH   SOLE 0 7,354 0 95
AutoZone Inc Com 053332102 204 95 SH   SOLE 0 95 0 0
Baxter International Inc Com 071813109 2,065 32,157 SH   SOLE 0 32,157 0 0
Baxter International Inc Com 071813109 43 675 SH   DFND 0 675 0 0
Berkshire Hathaway Inc-A Com 084670108 818 2 SH   DFND 0 2 0 0
Berkshire Hathaway Inc-B Com 084670702 1,181 4,326 SH   SOLE 0 4,326 0 0
Berkshire Hathaway Inc-B Com 084670702 10 36 SH   DFND 0 36 0 0
Blackrock Inc Com 09247X101 919 1,509 SH   SOLE 0 1,508 0 1
Boeing Co/The Com 097023105 1,241 9,075 SH   SOLE 0 5,595 0 3,480
Boeing Co/The Com 097023105 18 131 SH   DFND 0 131 0 0
Bristol Myers Squibb Com 110122108 3,024 39,273 SH   SOLE 0 38,653 0 620
Bristol Myers Squibb Com 110122108 31 400 SH   DFND 0 400 0 0
Broadcom Inc Com 11135F101 287 591 SH   SOLE 0 591 0 0
Cigna Corp Com 125523100 303 1,151 SH   SOLE 0 1,151 0 0
Cigna Corp Com 125523100 1 4 SH   DFND 0 4 0 0
CME Group Inc Com 12572Q105 2,029 9,911 SH   SOLE 0 9,911 0 0
CME Group Inc Com 12572Q105 1 7 SH   DFND 0 7 0 0
CSX Corp Com 126408103 301 10,341 SH   SOLE 0 10,341 0 0
CVS Health Corp Com 126650100 2,840 30,652 SH   SOLE 0 23,566 0 7,086
CVS Health Corp Com 126650100 54 579 SH   DFND 0 579 0 0
Coterra Energy Inc Com 127097103 250 9,712 SH   SOLE 0 401 0 9,311
Canadian Imperial Bank of Commerce Com 136069101 271 5,580 SH   SOLE 0 5,580 0 0
Canadian National Railway Co Com 136375102 205 1,824 SH   SOLE 0 1,824 0 0
Carrier Global Corp Com 14448C104 617 17,308 SH   SOLE 0 17,308 0 0
Carrier Global Corp Com 14448C104 12 345 SH   DFND 0 345 0 0
Caterpillar Inc Com 149123101 2,327 13,019 SH   SOLE 0 5,619 0 7,400
Chevron Corp Com 166764100 7,872 54,369 SH   SOLE 0 53,606 0 763
Chevron Corp Com 166764100 155 1,071 SH   DFND 0 821 0 250
Cincinnati Financial Corp Com 172062101 914 7,686 SH   SOLE 0 7,686 0 0
Cisco Systems Inc Com 17275R102 3,808 89,315 SH   SOLE 0 84,310 0 5,005
Cisco Systems Inc Com 17275R102 35 827 SH   DFND 0 827 0 0
Citigroup Inc Com 172967424 355 7,725 SH   SOLE 0 7,706 0 19
Coca-Cola Co/The Com 191216100 6,092 96,837 SH   SOLE 0 93,837 0 3,000
Coca-Cola Co/The Com 191216100 130 2,073 SH   DFND 0 2,073 0 0
Cognizant Tech Solutions Corp-A Com 192446102 1,853 27,458 SH   SOLE 0 27,458 0 0
Cognizant Tech Solutions Corp-A Com 192446102 55 822 SH   DFND 0 822 0 0
Colgate-Palmolive Company Com 194162103 1,336 16,675 SH   SOLE 0 5,095 0 11,580
Comcast Corp-A Com 20030N101 1,623 41,362 SH   SOLE 0 41,310 0 52
Comcast Corp-A Com 20030N101 48 1,214 SH   DFND 0 1,214 0 0
ConocoPhillips Inc Com 20825C104 681 7,579 SH   SOLE 0 7,579 0 0
Costco Wholesale Corp Com 22160K105 2,375 4,956 SH   SOLE 0 4,956 0 0
Costco Wholesale Corp Com 22160K105 48 100 SH   DFND 0 100 0 0
Crown Castle Inc Com 22822V101 854 5,069 SH   SOLE 0 5,069 0 0
Cummins Inc Com 231021106 240 1,240 SH   SOLE 0 1,240 0 0
Danaher Corp Com 235851102 9,054 35,714 SH   SOLE 0 35,714 0 0
Danaher Corp Com 235851102 157 618 SH   DFND 0 618 0 0
Darden Restaurants Inc Com 237194105 343 3,029 SH   SOLE 0 3,029 0 0
Deere & Co Com 244199105 6,100 20,368 SH   SOLE 0 10,168 0 10,200
Dentsply Sirona Inc Com 24906P109 418 11,712 SH   SOLE 0 11,712 0 0
Dentsply Sirona Inc Com 24906P109 14 400 SH   DFND 0 400 0 0
Digital Realty Trust Inc Com 253868103 1,883 14,501 SH   SOLE 0 14,476 0 25
Digital Realty Trust Inc Com 253868103 69 534 SH   DFND 0 534 0 0
Disney Walt Co Com 254687106 4,797 50,813 SH   SOLE 0 50,813 0 0
Disney Walt Co Com 254687106 20 216 SH   DFND 0 216 0 0
Dominion Resources Inc/VA Com 25746U109 2,577 32,294 SH   SOLE 0 32,257 0 37
Dominion Resources Inc/VA Com 25746U109 97 1,220 SH   DFND 0 1,220 0 0
Dover Corp Com 260003108 416 3,425 SH   SOLE 0 3,425 0 0
Duke Energy Corp Com 26441C204 2,521 23,519 SH   SOLE 0 23,485 0 34
Duke Energy Corp Com 26441C204 2 22 SH   DFND 0 22 0 0
DuPont de Nemours Inc Com 26614N102 747 13,434 SH   SOLE 0 13,434 0 0
DuPont de Nemours Inc Com 26614N102 12 221 SH   DFND 0 221 0 0
EOG Resources Inc Com 26875P101 833 7,545 SH   SOLE 0 7,545 0 0
Eastman Chemical Company Com 277432100 449 5,002 SH   SOLE 0 5,002 0 0
Emerson Electric Company Com 291011104 882 11,088 SH   SOLE 0 3,888 0 7,200
Enbridge Inc Com 29250N105 1,055 24,965 SH   SOLE 0 24,121 0 844
Enbridge Inc Com 29250N105 4 100 SH   DFND 0 100 0 0
Entergy Corp Com 29364G103 1,120 9,941 SH   SOLE 0 9,916 0 25
Exelon Corp Com 30161N101 1,604 35,403 SH   SOLE 0 34,829 0 574
Exelon Corp Com 30161N101 75 1,657 SH   DFND 0 1,657 0 0
Exxon Mobil Corp Com 30231G102 4,799 56,032 SH   SOLE 0 49,698 0 6,334
Exxon Mobil Corp Com 30231G102 61 711 SH   DFND 0 411 0 300
Meta Platforms Inc Com 30303M102 264 1,635 SH   SOLE 0 1,635 0 0
Farmer & Merchants Bancorp Inc/OH Com 30779N105 264 7,940 SH   SOLE 0 3,940 0 4,000
Federated Ultra Short Term Bond-I Com 31428Q747 9,544 1,062,807 SH   SOLE 0 1,062,807 0 0
Federated Ultra Short Term Bond-I Com 31428Q747 158 17,635 SH   DFND 0 9,451 0 8,185
Fifth Third Bancorp Com 316773100 1,792 53,336 SH   SOLE 0 36,536 0 16,800
Fortive Corp Com 34959J108 611 11,228 SH   SOLE 0 11,228 0 0
Fortive Corp Com 34959J108 16 300 SH   DFND 0 300 0 0
Franco-Nevada Corp Com 351858105 349 2,650 SH   SOLE 0 0 0 2,650
Franklin Electric Co Inc Com 353514102 374 5,100 SH   SOLE 0 0 0 5,100
Arthur J Gallagher & Co Com 363576109 3,185 19,536 SH   SOLE 0 19,489 0 47
Arthur J Gallagher & Co Com 363576109 99 606 SH   DFND 0 606 0 0
General Dynamics Corp Com 369550108 1,676 7,576 SH   SOLE 0 7,576 0 0
General Dynamics Corp Com 369550108 29 130 SH   DFND 0 130 0 0
General Mills Inc Com 370334104 1,781 23,602 SH   SOLE 0 23,547 0 55
General Mills Inc Com 370334104 58 773 SH   DFND 0 773 0 0
Gilead Sciences Inc Com 375558103 1,072 17,338 SH   SOLE 0 17,338 0 0
Gilead Sciences Inc Com 375558103 1 20 SH   DFND 0 20 0 0
Goldman Sachs Group Inc Com 38141G104 551 1,855 SH   SOLE 0 1,855 0 0
Great Elm Group Inc Com 39037G109 32 15,000 SH   SOLE 0 15,000 0 0
HCA Healthcare Inc Com 40412C101 494 2,942 SH   SOLE 0 2,942 0 0
HCA Healthcare Inc Com 40412C101 2 13 SH   DFND 0 13 0 0
Hershey Co/The Com 427866108 662 3,078 SH   SOLE 0 3,078 0 0
Home Depot Inc Com 437076102 3,710 13,526 SH   SOLE 0 10,576 0 2,950
Honeywell International Inc Com 438516106 3,012 17,329 SH   SOLE 0 17,329 0 0
Honeywell International Inc Com 438516106 1 6 SH   DFND 0 6 0 0
Illinois Tool Works Inc Com 452308109 367 2,014 SH   SOLE 0 2,014 0 0
Intel Corp Com 458140100 4,390 117,346 SH   SOLE 0 116,601 0 745
Intel Corp Com 458140100 68 1,808 SH   DFND 0 1,808 0 0
IntercontinentalExchange Group Inc Com 45866F104 2,319 24,655 SH   SOLE 0 24,655 0 0
IntercontinentalExchange Group Inc Com 45866F104 35 375 SH   DFND 0 375 0 0
Intl Business Machines Corp Com 459200101 1,356 9,602 SH   SOLE 0 9,448 0 154
Invesco QQQ Trust Ser 1 ETF Com 46090E103 1,033 3,687 SH   SOLE 0 3,487 0 200
Invesco S&P 500 Equal Weight ETF Com 46137V357 584 4,353 SH   SOLE 0 4,353 0 0
iShares S&P 500 Index ETF Com 464287200 1,416 3,735 SH   SOLE 0 3,735 0 0
iShares S&P Midcap 400 Index ETF Com 464287507 857 3,790 SH   SOLE 0 3,790 0 0
iShares Core S&P Small-Cap ETF Com 464287804 3,371 36,475 SH   SOLE 0 36,475 0 0
JP Morgan Chase & Co Com 46625H100 8,086 71,809 SH   SOLE 0 71,779 0 30
JP Morgan Chase & Co Com 46625H100 96 849 SH   DFND 0 849 0 0
Johnson & Johnson Com 478160104 5,848 32,945 SH   SOLE 0 32,007 0 938
KLA Corp Com 482480100 297 932 SH   SOLE 0 932 0 0
KeyCorp Com 493267108 890 51,670 SH   SOLE 0 51,670 0 0
Kimberly-Clark Corp Com 494368103 1,856 13,732 SH   SOLE 0 13,708 0 24
Kimberly-Clark Corp Com 494368103 49 361 SH   DFND 0 361 0 0
Lam Research Corp Com 512807108 1,002 2,352 SH   SOLE 0 2,352 0 0
Lilly Eli & Co Com 532457108 8,214 25,333 SH   SOLE 0 24,823 0 510
Lilly Eli & Co Com 532457108 119 367 SH   DFND 0 367 0 0
Lockheed Martin Corp Com 539830109 3,136 7,293 SH   SOLE 0 7,284 0 9
Lockheed Martin Corp Com 539830109 2 5 SH   DFND 0 5 0 0
Loomis Sayles Strategic Income Y Com 543487250 5,946 493,453 SH   SOLE 0 491,840 0 1,613
Loomis Sayles Strategic Income Y Com 543487250 930 77,213 SH   DFND 0 77,213 0 0
Lowe's Companies Inc Com 548661107 5,606 32,097 SH   SOLE 0 32,097 0 0
Lowe's Companies Inc Com 548661107 90 516 SH   DFND 0 516 0 0
Marathon Petroleum Corp Com 56585A102 234 2,846 SH   SOLE 0 2,846 0 0
Marsh & McLennan Co Inc Com 571748102 1,154 7,434 SH   SOLE 0 7,434 0 0
MasterCard Inc-A Com 57636Q104 853 2,703 SH   SOLE 0 2,703 0 0
McDonalds Corp Com 580135101 7,167 29,029 SH   SOLE 0 28,909 0 120
McDonalds Corp Com 580135101 52 209 SH   DFND 0 209 0 0
McKesson Corp Com 58155Q103 3,675 11,267 SH   SOLE 0 11,267 0 0
McKesson Corp Com 58155Q103 73 225 SH   DFND 0 225 0 0
Merck & Co Inc Com 58933Y105 5,715 62,681 SH   SOLE 0 62,636 0 45
Merck & Co Inc Com 58933Y105 104 1,136 SH   DFND 0 1,136 0 0
Metlife Inc Com 59156R108 1,717 27,340 SH   SOLE 0 27,313 0 27
Metlife Inc Com 59156R108 1 13 SH   DFND 0 13 0 0
Microsoft Corp Com 594918104 31,743 123,596 SH   SOLE 0 122,998 0 598
Microsoft Corp Com 594918104 449 1,747 SH   DFND 0 1,747 0 0
Microchip Technology Inc Com 595017104 4,449 76,607 SH   SOLE 0 76,607 0 0
Microchip Technology Inc Com 595017104 107 1,840 SH   DFND 0 1,840 0 0
Mondelez International Inc Com 609207105 674 10,861 SH   SOLE 0 10,861 0 0
Moody's Corp Com 615369105 1,836 6,750 SH   SOLE 0 6,750 0 0
Morgan Stanley Com 617446448 880 11,570 SH   SOLE 0 11,570 0 0
NextEra Energy Inc Com 65339F101 6,480 83,661 SH   SOLE 0 82,053 0 1,608
NextEra Energy Inc Com 65339F101 108 1,400 SH   DFND 0 1,400 0 0
Nike Inc-B Com 654106103 5,447 53,301 SH   SOLE 0 53,301 0 0
Nike Inc-B Com 654106103 85 834 SH   DFND 0 834 0 0
Norfolk Southern Corp Com 655844108 7,640 33,614 SH   SOLE 0 33,592 0 22
Norfolk Southern Corp Com 655844108 124 544 SH   DFND 0 544 0 0
Northern Ultra-Short Fixed Income Fund Com 665162467 32,208 3,227,299 SH   SOLE 0 3,212,273 0 15,026
Northern Ultra-Short Fixed Income Fund Com 665162467 3,157 316,306 SH   DFND 0 306,997 0 9,309
Northern Trust Corp Com 665859104 222 2,300 SH   SOLE 0 2,300 0 0
Northrop Grumman Corp Com 666807102 383 800 SH   SOLE 0 800 0 0
ADR Novartis AG- II Sp Com 66987V109 2,010 23,778 SH   SOLE 0 19,785 0 3,993
ADR Novartis AG- II Sp Com 66987V109 31 368 SH   DFND 0 368 0 0
Nvidia Corp Com 67066G104 1,545 10,190 SH   SOLE 0 10,190 0 0
Oracle Corporation Com 68389X105 6,717 96,137 SH   SOLE 0 96,137 0 0
Oracle Corporation Com 68389X105 61 878 SH   DFND 0 878 0 0
Otis Worldwide Corp Com 68902V107 890 12,588 SH   SOLE 0 12,576 0 12
Otis Worldwide Corp Com 68902V107 12 172 SH   DFND 0 172 0 0
PIMCO Total Return Institutional Fund Com 693390700 1,084 120,464 SH   SOLE 0 120,464 0 0
Palo Alto Networks Inc Com 697435105 3,993 8,084 SH   SOLE 0 8,084 0 0
Parnassus Fixed-Income Fund Com 701769200 1,880 126,075 SH   SOLE 0 126,075 0 0
Parnassus Fixed-Income Fund Com 701769200 206 13,836 SH   DFND 0 13,836 0 0
PepsiCo Inc Com 713448108 8,042 48,254 SH   SOLE 0 48,228 0 26
PepsiCo Inc Com 713448108 105 632 SH   DFND 0 632 0 0
Pfizer Inc Com 717081103 5,704 108,787 SH   SOLE 0 96,088 0 12,699
Pfizer Inc Com 717081103 2 42 SH   DFND 0 42 0 0
Philip Morris International Com 718172109 383 3,880 SH   SOLE 0 3,880 0 0
Phillips 66 Com 718546104 432 5,274 SH   SOLE 0 5,274 0 0
T Rowe Price Group Inc Com 74144T108 307 2,698 SH   SOLE 0 2,698 0 0
T Rowe Price High Yield-Inv Com 741481105 2,713 490,620 SH   SOLE 0 490,620 0 0
Procter & Gamble Co Com 742718109 10,825 75,280 SH   SOLE 0 72,749 0 2,531
Procter & Gamble Co Com 742718109 188 1,308 SH   DFND 0 1,308 0 0
Qualcomm Inc Com 747525103 5,765 45,131 SH   SOLE 0 44,348 0 783
Qualcomm Inc Com 747525103 141 1,106 SH   DFND 0 1,106 0 0
Raymond James Financial Inc Com 754730109 756 8,460 SH   SOLE 0 8,460 0 0
Rayonier Inc Com 754907103 333 8,913 SH   SOLE 0 6,913 0 2,000
Rayonier Inc Com 754907103 27 717 SH   DFND 0 717 0 0
Realty Income Corp Com 756109104 271 3,970 SH   SOLE 0 3,970 0 0
Redwood Trust Inc Com 758075402 299 38,821 SH   SOLE 0 38,821 0 0
T Rowe Price Real Estate Fund Com 779919109 628 39,330 SH   SOLE 0 39,330 0 0
SPDR Gold Shares ETF Com 78463V107 604 3,583 SH   SOLE 0 3,583 0 0
Salesforce Inc Com 79466L302 2,724 16,503 SH   SOLE 0 16,503 0 0
Salesforce Inc Com 79466L302 38 230 SH   DFND 0 230 0 0
Schlumberger Ltd Com 806857108 1,810 50,617 SH   SOLE 0 32,175 0 18,442
Schlumberger Ltd Com 806857108 18 493 SH   DFND 0 493 0 0
Smith (AO) Corp Com 831865209 1,179 21,561 SH   SOLE 0 21,561 0 0
JM Smucker Co/The Com 832696405 211 1,648 SH   SOLE 0 1,648 0 0
Southern Co/The Com 842587107 470 6,589 SH   SOLE 0 5,864 0 725
Starbucks Corp Com 855244109 1,657 21,690 SH   SOLE 0 21,690 0 0
Starbucks Corp Com 855244109 32 423 SH   DFND 0 423 0 0
Stryker Corp Com 863667101 263 1,324 SH   SOLE 0 1,324 0 0
Sysco Corp Com 871829107 364 4,297 SH   SOLE 0 4,297 0 0
Sysco Corp Com 871829107 42 500 SH   DFND 0 500 0 0
TJX Companies Inc Com 872540109 517 9,259 SH   SOLE 0 9,259 0 0
Target Corp Com 87612E106 2,118 15,000 SH   SOLE 0 15,000 0 0
Tesla Inc Com 88160R101 676 1,004 SH   SOLE 0 1,004 0 0
Texas Instruments Inc Com 882508104 592 3,856 SH   SOLE 0 3,856 0 0
Thermo Fisher Scientific Inc Com 883556102 382 703 SH   SOLE 0 703 0 0
3M Company Com 88579Y101 1,728 13,355 SH   SOLE 0 13,355 0 0
Travelers Cos Inc/The Com 89417E109 615 3,634 SH   SOLE 0 3,634 0 0
Truist Financial Corp Com 89832Q109 2,308 48,666 SH   SOLE 0 48,608 0 58
US Bancorp Com 902973304 398 8,644 SH   SOLE 0 8,644 0 0
Union Pacific Corp Com 907818108 3,909 18,329 SH   SOLE 0 8,929 0 9,400
United Parcel Service-B Com 911312106 2,545 13,940 SH   SOLE 0 13,915 0 25
United Parcel Service-B Com 911312106 100 547 SH   DFND 0 547 0 0
UnitedHealth Group Inc Com 91324P102 1,525 2,970 SH   SOLE 0 2,970 0 0
Vanguard Wellesley Income-Adm Com 921938205 201 3,224 SH   SOLE 0 674 0 2,550
Vanguard High-Yield Corp-Adm Com 922031760 219 42,988 SH   SOLE 0 42,988 0 0
Vanguard Short-Term Federal-Adm Com 922031844 67,898 6,566,506 SH   SOLE 0 6,523,532 0 42,974
Vanguard Short-Term Federal-Adm Com 922031844 10,493 1,014,750 SH   DFND 0 1,014,750 0 0
Vanguard S&P 500 ETF Com 922908363 553 1,593 SH   SOLE 0 1,593 0 0
Vanguard S&P 500 ETF Com 922908363 76 218 SH   DFND 0 218 0 0
Verizon Communications Inc Com 92343V104 3,583 70,610 SH   SOLE 0 69,033 0 1,577
Verizon Communications Inc Com 92343V104 87 1,713 SH   DFND 0 1,713 0 0
Visa Inc-A Com 92826C839 730 3,708 SH   SOLE 0 3,708 0 0
WEC Energy Group Inc Com 92939U106 519 5,157 SH   SOLE 0 5,157 0 0
Walmart Inc Com 931142103 1,571 12,924 SH   SOLE 0 12,924 0 0
Walgreens Boots Alliance Inc Com 931427108 206 5,447 SH   SOLE 0 5,447 0 0
Warner Bros Discovery Inc Com 934423104 295 21,953 SH   SOLE 0 21,936 0 17
Warner Bros Discovery Inc Com 934423104 0 9 SH   DFND 0 9 0 0
Waste Management Inc Com 94106L109 2,463 16,101 SH   SOLE 0 16,064 0 37
Waste Management Inc Com 94106L109 3 19 SH   DFND 0 19 0 0
Wells Fargo & Co Com 949746101 1,430 36,498 SH   SOLE 0 36,498 0 0
Wells Fargo & Co Com 949746101 48 1,237 SH   DFND 0 1,237 0 0
Welltower Inc Com 95040Q104 7,941 96,426 SH   SOLE 0 91,088 0 5,338
Welltower Inc Com 95040Q104 136 1,654 SH   DFND 0 654 0 1,000
Weyerhaeuser Co Com 962166104 1,822 55,012 SH   SOLE 0 41,812 0 13,200
Weyerhaeuser Co Com 962166104 37 1,120 SH   DFND 0 0 0 1,120
Wheaton Precious Metals Corp Com 962879102 440 12,200 SH   SOLE 0 0 0 12,200
Yum! Brands Inc Com 988498101 419 3,692 SH   SOLE 0 3,692 0 0
Zimmer Biomet Holdings Inc Com 98956P102 580 5,519 SH   SOLE 0 5,519 0 0
Zoetis Inc Com 98978V103 219 1,273 SH   SOLE 0 373 0 900
Cohen & Steers Quality Income Realty Fund Inc Com BKC47L109 0 30,000 SH   SOLE 0 30,000 0 0
Accenture PLC-A Com G1151C101 543 1,957 SH   SOLE 0 1,807 0 150
Eaton Corp PLC Com G29183103 1,965 15,596 SH   SOLE 0 15,559 0 37
Eaton Corp PLC Com G29183103 98 780 SH   DFND 0 780 0 0
Everest Re Group Ltd Com G3223R108 1,586 5,660 SH   SOLE 0 5,660 0 0
Everest Re Group Ltd Com G3223R108 42 150 SH   DFND 0 150 0 0
Johnson Controls Intl PLC Com G51502105 1,403 29,295 SH   SOLE 0 29,226 0 69
Johnson Controls Intl PLC Com G51502105 80 1,674 SH   DFND 0 1,674 0 0
Medtronic PLC Com G5960L103 1,323 14,740 SH   SOLE 0 14,740 0 0
Medtronic PLC Com G5960L103 25 275 SH   DFND 0 275 0 0
Rayonier Fractional share Com HFE907109 0 50,000 SH   SOLE 0 50,000 0 0
Seven Hills RLT fractional shares Com JBH84E106 0 52,500 SH   SOLE 0 52,500 0 0