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
BERKSHIRE HATHAWAY INC DEL CL A 084670108 18,291 45 SH   SOLE   0 0 45
ANI PHARMACEUTICALS INC COM 00182C103 321 10,000 SH   DFND   10,000 0 0
BOOKING HOLDINGS INC COM 09857L108 6,510 3,962 SH   DFND   3,884 0 78
BUTTERFLY NETWORK INC COM CL A 124155102 47 10,000 SH   SOLE   10,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 4,447 9,416 SH   OTR   8,759 109 548
CLIMATE REAL IMPACT SLUTINS UNIT 99/99/9999 187171202 99 10,000 SH   SOLE   10,000 0 0
ELEVANCE HEALTH INC COM 036752103 4,219 9,290 SH   SOLE   100 0 9,190
GOGO INC COM 38046C109 121 10,000 SH   DFND   10,000 0 0
HELIX ENERGY SOLUTIONS GRP I COM 42330P107 39 10,000 SH   SOLE   0 0 10,000
MAVERIX METALS INC COM NEW 57776F405 34 10,000 SH   SOLE   10,000 0 0
NEW FOUND GOLD CORP COM 64440N103 35 10,000 SH   SOLE   10,000 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,159 8,809 SH   DFND   0 0 0
BP PLC SPONSORED ADR 055622104 286 10,020 SH   DFND   5,769 0 4,251
RESTAURANT BRANDS INTL INC COM 76131D103 533 10,031 SH   SOLE   0 0 10,031
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 415 10,040 SH   SOLE   0 0 10,040
ESSEX PPTY TR INC COM 297178105 2,452 10,124 SH   SOLE   8,572 0 1,552
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,941 8,235 SH   OTR   0 0 0
MCKESSON CORP COM 58155Q103 2,853 8,396 SH   SOLE   63 0 8,333
DANAHER CORPORATION COM 235851102 2,462 9,530 SH   OTR   9,130 0 400
ISHARES INC MSCI CDA ETF 464286509 313 10,165 SH   DFND   0 0 0
BOOKING HOLDINGS INC COM 09857L108 2,440 1,485 SH   SOLE   1,422 0 63
BROADCOM INC COM 11135F101 2,428 5,469 SH   DFND   4,892 0 577
BLACKROCK INC COM 09247X101 2,400 4,362 SH   OTR   4,362 0 0
LOCKHEED MARTIN CORP COM 539830109 2,271 5,879 SH   DFND   5,448 0 431
SPDR SER TR PORTFOLI S&P1500 78464A805 449 10,180 SH   SOLE   0 0 10,180
DEERE & CO COM 244199105 2,039 6,107 SH   DFND   5,673 0 434
UNION PAC CORP COM 907818108 1,913 9,820 SH   OTR   9,820 0 0
MARTIN MARIETTA MATLS INC COM 573284106 1,839 5,710 SH   SOLE   5,368 0 342
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,704 8,734 SH   OTR   0 0 0
LILLY ELI & CO COM 532457108 1,704 5,270 SH   OTR   5,270 0 0
GARTNER INC COM 366651107 1,687 6,095 SH   SOLE   6,075 0 20
VANGUARD INDEX FDS MID CAP ETF 922908629 1,673 8,898 SH   OTR   0 0 0
CONSTELLATION BRANDS INC CL A 21036P108 1,596 6,948 SH   SOLE   4,280 0 2,668
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,581 3,937 SH   OTR   0 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,579 6,135 SH   DFND   4,066 0 2,069
ISHARES TR RUS 1000 GRW ETF 464287614 1,569 7,456 SH   SOLE   6,625 0 831
ISHARES TR CORE S&P MCP ETF 464287507 1,552 7,077 SH   DFND   0 0 0
UNITED RENTALS INC COM 911363109 1,480 5,482 SH   SOLE   5 0 5,477
EATON CORP PLC SHS G29183103 1,358 10,182 SH   SOLE   28 0 10,154
BECTON DICKINSON & CO COM 075887109 1,458 6,544 SH   OTR   6,044 0 500
SORRENTO THERAPEUTICS INC COM NEW 83587F202 16 10,200 SH   SOLE   10,200 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,443 7,984 SH   SOLE   4,518 0 3,466
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,439 6,438 SH   SOLE   920 0 5,518
AVERY DENNISON CORP COM 053611109 1,429 8,785 SH   OTR   8,785 0 0
ISHARES TR RUS 1000 ETF 464287622 1,382 7,005 SH   DFND   0 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 847 10,226 SH   DFND   0 0 0
CONAGRA BRANDS INC COM 205887102 334 10,245 SH   DFND   661 0 9,584
KIMBERLY-CLARK CORP COM 494368103 1,159 10,294 SH   SOLE   173 0 10,121
EVEREST RE GROUP LTD COM G3223R108 1,321 5,033 SH   DFND   0 0 5,033
JONES LANG LASALLE INC COM 48020Q107 1,281 8,481 SH   SOLE   0 0 8,481
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 831 10,366 SH   OTR   0 0 0
ABBVIE INC COM 00287Y109 1,263 9,407 SH   OTR   8,921 0 486
S&P GLOBAL INC COM 78409V104 1,218 3,989 SH   DFND   3,559 0 430
ISHARES TR ISHARES BIOTECH 464287556 1,163 9,940 SH   OTR   0 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,150 7,505 SH   DFND   7,505 0 0
CATERPILLAR INC COM 149123101 1,150 7,006 SH   OTR   7,006 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,125 5,983 SH   SOLE   2,265 0 3,718
WHIRLPOOL CORP COM 963320106 1,112 8,251 SH   SOLE   25 0 8,226
BLACKROCK INC COM 09247X101 5,736 10,424 SH   SOLE   6,917 0 3,507
NVIDIA CORPORATION COM 67066G104 1,106 9,120 SH   SOLE   4,654 0 4,466
MASTERCARD INCORPORATED CL A 57636Q104 1,092 3,841 SH   DFND   1,213 0 2,628
PAYPAL HLDGS INC COM 70450Y103 906 10,525 SH   OTR   10,525 0 0
CUMMINS INC COM 231021106 1,066 5,236 SH   OTR   5,087 89 60
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,051 6,425 SH   DFND   0 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,046 5,015 SH   DFND   0 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,035 6,933 SH   DFND   4,100 0 2,833
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,027 8,648 SH   OTR   0 0 0
SUN CMNTYS INC COM 866674104 1,432 10,584 SH   SOLE   8,815 0 1,769
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 117 10,600 SH   OTR   0 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,027 8,315 SH   DFND   0 0 0
BROADCOM INC 8% MCNV PFD SR A 11135F200 1,027 730 SH   SOLE   730 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,025 4,793 SH   DFND   0 0 0
LAZARD LTD SHS A G54050102 337 10,601 SH   DFND   10,601 0 0
GENERAL MLS INC COM 370334104 813 10,611 SH   OTR   9,855 576 180
NEW JERSEY RES CORP COM 646025106 413 10,661 SH   DFND   10,661 0 0
CSX CORP COM 126408103 285 10,683 SH   DFND   10,134 0 549
AUTODESK INC COM 052769106 1,004 5,370 SH   SOLE   4,010 0 1,360
WELLS FARGO CO NEW COM 949746101 430 10,685 SH   OTR   10,685 0 0
CONOCOPHILLIPS COM 20825C104 997 9,746 SH   DFND   6,170 0 3,576
ISHARES TR RUS 1000 ETF 464287622 972 4,932 SH   SOLE   4,742 0 190
TEXAS INSTRS INC COM 882508104 1,656 10,697 SH   SOLE   7,438 0 3,259
INTERNATIONAL BUSINESS MACHS COM 459200101 946 7,959 SH   OTR   7,609 0 350
CONSTELLATION ENERGY CORP COM 21037T109 890 10,703 SH   SOLE   4 0 10,699
AMERICAN TOWER CORP NEW COM 03027X100 944 4,397 SH   DFND   0 0 0
ISHARES TR S&P 500 VAL ETF 464287408 940 7,306 SH   SOLE   5,009 0 2,297
WYNDHAM HOTELS & RESORTS INC COM 98311A105 659 10,734 SH   SOLE   0 0 10,734
DIAGEO PLC SPON ADR NEW 25243Q205 935 5,505 SH   SOLE   1,216 0 4,289
ESAB CORPORATION COM 29605J106 361 10,831 SH   SOLE   10,831 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 329 10,834 SH   DFND   0 0 0
TESLA INC COM 88160R101 2,876 10,844 SH   DFND   10,390 0 454
SAREPTA THERAPEUTICS INC COM 803607100 930 8,416 SH   SOLE   8,416 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 919 4,110 SH   OTR   0 0 0
KIMBERLY-CLARK CORP COM 494368103 891 7,921 SH   DFND   7,857 0 64
PNC FINL SVCS GROUP INC COM 693475105 889 5,950 SH   OTR   5,950 0 0
ISHARES INC MSCI FRANCE ETF 464286707 291 10,869 SH   DFND   0 0 0
ENPHASE ENERGY INC COM 29355A107 886 3,193 SH   SOLE   2,760 0 433
AMGEN INC COM 031162100 882 3,914 SH   OTR   3,614 0 300
SMUCKER J M CO COM NEW 832696405 875 6,369 SH   DFND   4,544 0 1,825
AMERICAN EXPRESS CO COM 025816109 861 6,380 SH   OTR   6,380 0 0
USA COMPRESSION PARTNERS LP COMUNIT LTDPAR 90290N109 190 10,901 SH   SOLE   10,901 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 861 5,220 SH   DFND   0 0 0
ALAMOS GOLD INC NEW COM CL A 011532108 81 10,904 SH   DFND   0 0 10,904
EQUINOR ASA SPONSORED ADR 29446M102 362 10,931 SH   SOLE   760 0 10,171
ISHARES TR RUS 1000 VAL ETF 464287598 808 5,946 SH   SOLE   4,979 0 967
HALEON PLC SPON ADS 405552100 67 10,935 SH   DFND   10,935 0 0
LINDE PLC SHS G5494J103 2,958 10,973 SH   DFND   8,810 0 2,163
NUCOR CORP COM 670346105 805 7,525 SH   OTR   7,525 0 0
REGENERON PHARMACEUTICALS COM 75886F107 805 1,169 SH   DFND   962 0 207
UNITED AIRLS HLDGS INC COM 910047109 359 11,027 SH   SOLE   1,600 0 9,427
ISHARES TR NATIONAL MUN ETF 464288414 803 7,824 SH   SOLE   0 0 7,824
ISHARES TR NATIONAL MUN ETF 464288414 1,144 11,155 SH   DFND   0 0 0
FEDEX CORP COM 31428X106 797 5,371 SH   OTR   5,371 0 0
MARATHON PETE CORP COM 56585A102 795 8,002 SH   SOLE   429 0 7,573
BLACKSTONE INC COM 09260D107 786 9,389 SH   SOLE   1,624 0 7,765
ALLSTATE CORP COM 020002101 781 6,260 SH   SOLE   373 0 5,887
GRUPO TELEVISA S A B SPON ADR REP ORD 40049J206 60 11,158 SH   SOLE   0 0 11,158
PAYCHEX INC COM 704326107 773 6,889 SH   DFND   3,902 0 2,987
ISHARES TR U.S. ENERGY ETF 464287796 440 11,190 SH   SOLE   0 0 11,190
FOX CORP CL B COM 35137L204 319 11,196 SH   SOLE   0 0 11,196
AMERICAN WTR WKS CO INC NEW COM 030420103 768 5,901 SH   DFND   5,863 0 38
ELEVANCE HEALTH INC COM 036752103 768 1,691 SH   DFND   1,643 0 48
REGENERON PHARMACEUTICALS COM 75886F107 765 1,111 SH   SOLE   941 0 170
ISHARES TR RUS 1000 GRW ETF 464287614 2,364 11,238 SH   DFND   0 0 0
SELECTIVE INS GROUP INC COM 816300107 761 9,350 SH   DFND   9,350 0 0
SERVICENOW INC COM 81762P102 758 2,008 SH   DFND   1,090 0 918
ICICI BANK LIMITED ADR 45104G104 236 11,258 SH   DFND   0 0 11,258
UNILEVER PLC SPON ADR NEW 904767704 495 11,296 SH   DFND   8,728 0 2,568
NOVARTIS AG SPONSORED ADR 66987V109 862 11,341 SH   DFND   10,032 876 433
SALESFORCE INC COM 79466L302 754 5,242 SH   DFND   1,388 0 3,854
MASTERCARD INCORPORATED CL A 57636Q104 3,239 11,390 SH   SOLE   1,233 0 10,157
MORGAN STANLEY COM NEW 617446448 904 11,426 SH   SOLE   2,501 0 8,925
LABORATORY CORP AMER HLDGS COM NEW 50540R409 735 3,589 SH   OTR   3,589 0 0
ALTRIA GROUP INC COM 02209S103 462 11,440 SH   DFND   10,989 0 451
ARROW ELECTRS INC COM 042735100 732 7,937 SH   SOLE   150 0 7,787
QUEST DIAGNOSTICS INC COM 74834L100 724 5,900 SH   OTR   5,700 0 200
AUTODESK INC COM 052769106 720 3,855 SH   DFND   360 0 3,495
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 699 3,780 SH   SOLE   45 0 3,735
NORTHROP GRUMMAN CORP COM 666807102 5,396 11,474 SH   SOLE   169 0 11,305
HOVNANIAN ENTERPRISES INC CL A NEW 442487401 412 11,530 SH   SOLE   11,530 0 0
VALLEY NATL BANCORP COM 919794107 125 11,601 SH   SOLE   2,706 0 8,895
INVESCO QQQ TR UNIT SER 1 46090E103 3,102 11,606 SH   OTR   0 0 0
TARGET CORP COM 87612E106 697 4,699 SH   SOLE   254 0 4,445
GOLDMAN SACHS GROUP INC COM 38141G104 3,423 11,684 SH   SOLE   189 0 11,495
ISHARES TR SP SMCP600VL ETF 464287879 696 8,438 SH   DFND   0 0 0
BOEING CO COM 097023105 690 5,701 SH   OTR   5,701 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 687 4,741 SH   OTR   4,741 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,224 11,715 SH   DFND   9,763 0 1,952
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 685 5,067 SH   DFND   0 0 0
NETFLIX INC COM 64110L106 682 2,897 SH   DFND   111 0 2,786
REPUBLIC SVCS INC COM 760759100 675 4,964 SH   SOLE   4,964 0 0
DEVON ENERGY CORP NEW COM 25179M103 705 11,725 SH   OTR   11,725 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 670 9,124 SH   OTR   0 0 0
NVIDIA CORPORATION COM 67066G104 670 5,523 SH   DFND   3,332 0 2,191
PROLOGIS INC. COM 74340W103 669 6,586 SH   DFND   0 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 656 3,167 SH   SOLE   3,167 0 28
ISHARES TR S&P SML 600 GWT 464287887 654 6,432 SH   DFND   0 0 0
ALLSTATE CORP COM 020002101 646 5,190 SH   OTR   5,190 0 0
LAM RESEARCH CORP COM 512807108 641 1,751 SH   SOLE   0 0 1,751
RIO TINTO PLC SPONSORED ADR 767204100 649 11,784 SH   SOLE   200 0 11,584
ILLINOIS TOOL WKS INC COM 452308109 640 3,540 SH   OTR   3,040 0 500
CLOROX CO DEL COM 189054109 639 4,978 SH   SOLE   1,503 0 3,475
INTERNATIONAL PAPER CO COM 460146103 376 11,852 SH   OTR   11,852 0 0
SPDR SER TR NYSE TECH ETF 78464A102 633 6,725 SH   SOLE   0 0 6,725
MARTIN MARIETTA MATLS INC COM 573284106 628 1,950 SH   OTR   1,950 0 0
ISHARES TR JPMORGAN USD EMG 464288281 623 7,853 SH   SOLE   7,826 0 160
PHILLIPS 66 COM 718546104 620 7,680 SH   SOLE   302 0 7,468
CHUBB LIMITED COM H1467J104 617 3,395 SH   OTR   2,523 120 752
ROCKWELL AUTOMATION INC COM 773903109 617 2,871 SH   SOLE   48 0 2,823
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 606 9,086 SH   DFND   0 0 0
NEXTIER OILFIELD SOLUTIONS COM 65290C105 88 11,852 SH   DFND   0 0 11,852
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 65 11,876 SH   DFND   0 0 11,876
WELLTOWER INC COM 95040Q104 765 11,894 SH   DFND   0 0 0
KROGER CO COM 501044101 521 11,900 SH   DFND   7,142 0 4,758
SKYWORKS SOLUTIONS INC COM 83088M102 1,029 12,066 SH   DFND   11,892 0 174
ISHARES TR MSCI USA QLT FCT 46432F339 605 5,816 SH   SOLE   111 0 5,705
BIOGEN INC COM 09062X103 604 2,261 SH   DFND   2,261 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 600 6,500 SH   SOLE   0 0 6,500
ALBEMARLE CORP COM 012653101 600 2,270 SH   DFND   1,006 0 1,264
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 598 2,238 SH   OTR   2,238 0 0
ALBEMARLE CORP COM 012653101 597 2,259 SH   SOLE   235 0 2,024
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,465 12,097 SH   DFND   0 0 0
OCCIDENTAL PETE CORP COM 674599105 743 12,098 SH   SOLE   0 0 12,098
STRYKER CORPORATION COM 863667101 2,452 12,105 SH   SOLE   2,313 0 9,792
CLOROX CO DEL COM 189054109 594 4,628 SH   DFND   4,628 0 0
OTIS WORLDWIDE CORP COM 68902V107 591 9,269 SH   SOLE   8,130 0 1,139
ALPHABET INC CAP STK CL C 02079K107 587 6,100 SH   OTR   6,100 0 0
CANADIAN PAC RY LTD COM 13645T100 585 8,762 SH   DFND   8,562 0 200
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 582 7,820 SH   SOLE   537 0 7,283
BANCO BRADESCO S A SP ADR PFD NEW 059460303 45 12,112 SH   SOLE   0 0 12,112
ZOETIS INC CL A 98978V103 579 3,905 SH   DFND   1,285 0 2,620
CORNING INC COM 219350105 354 12,210 SH   DFND   9,310 0 2,900
ISHARES TR EXPANDED TECH 464287515 576 2,303 SH   SOLE   0 0 2,303
FISERV INC COM 337738108 571 6,108 SH   SOLE   6,028 0 80
PRUDENTIAL FINL INC COM 744320102 1,051 12,243 SH   SOLE   1,612 0 10,631
CHURCH & DWIGHT CO INC COM 171340102 570 7,976 SH   DFND   7,972 0 4
MARRIOTT INTL INC NEW CL A 571903202 565 4,020 SH   SOLE   1,344 0 2,676
VANGUARD INDEX FDS LARGE CAP ETF 922908637 565 3,453 SH   SOLE   1,245 0 2,208
AMERISOURCEBERGEN CORP COM 03073E105 564 4,167 SH   DFND   225 0 3,942
ISHARES TR RUS MD CP GR ETF 464287481 963 12,284 SH   SOLE   656 0 11,628
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 559 9,553 SH   DFND   0 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 694 12,338 SH   OTR   12,338 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 559 372 SH   DFND   308 0 64
SHERWIN WILLIAMS CO COM 824348106 556 2,711 SH   SOLE   2,500 0 211
CORNING INC COM 219350105 359 12,339 SH   SOLE   1,026 0 11,313
ISHARES TR S&P 500 VAL ETF 464287408 1,593 12,392 SH   OTR   0 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 551 2,650 SH   OTR   2,650 0 0
COMERICA INC COM 200340107 550 7,742 SH   SOLE   0 0 7,742
ZIMMER BIOMET HOLDINGS INC COM 98956P102 550 5,256 SH   DFND   4,750 0 506
ADOBE SYSTEMS INCORPORATED COM 00724F101 550 1,997 SH   OTR   997 0 1,000
CHENIERE ENERGY INC COM NEW 16411R208 2,056 12,395 SH   SOLE   11,795 0 600
BOSTON BEER INC CL A 100557107 549 1,695 SH   SOLE   0 0 1,695
BARCLAYS PLC ADR 06738E204 79 12,397 SH   SOLE   0 0 12,397
ALEXANDRIA REAL ESTATE EQ IN COM 015271109 547 3,899 SH   DFND   0 0 0
ABBOTT LABS COM 002824100 1,200 12,399 SH   OTR   11,999 0 400
NORFOLK SOUTHN CORP COM 655844108 540 2,575 SH   OTR   2,575 0 0
HOME DEPOT INC COM 437076102 3,449 12,498 SH   OTR   11,498 0 1,000
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,805 12,585 SH   OTR   0 0 0
MEDTRONIC PLC SHS G5960L103 1,022 12,654 SH   DFND   8,993 0 3,661
DOVER CORP COM 260003108 535 4,587 SH   DFND   4,290 0 297
NORFOLK SOUTHN CORP COM 655844108 2,653 12,657 SH   SOLE   5,484 0 7,173
EATON CORP PLC SHS G29183103 532 3,989 SH   DFND   2,545 0 1,444
LOWES COS INC COM 548661107 2,378 12,663 SH   OTR   12,663 0 0
INVESCO EXCHANGE TRADED FD T DWA STAPLES 46137V886 528 7,055 SH   SOLE   0 0 7,055
VANGUARD INDEX FDS TOTAL STK MKT 922908769 521 2,902 SH   DFND   0 0 0
EMERSON ELEC CO COM 291011104 518 7,079 SH   OTR   7,079 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 518 2,460 SH   OTR   0 0 0
CVS HEALTH CORP COM 126650100 1,208 12,667 SH   OTR   12,667 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 516 3,601 SH   SOLE   3,200 0 401
HERBALIFE NUTRITION LTD COM SHS G4412G101 253 12,732 SH   SOLE   0 0 12,732
TRAVELERS COMPANIES INC COM 89417E109 1,963 12,816 SH   SOLE   100 0 12,716
DIGITAL RLTY TR INC COM 253868103 511 5,150 SH   DFND   0 0 0
ISHARES TR CORE MSCI EAFE 46432F842 510 9,676 SH   DFND   0 0 0
CENTRAL & EASTERN EUROPE FD COM 153436100 85 12,817 SH   SOLE   0 0 12,817
GARTNER INC COM 366651107 509 1,839 SH   DFND   0 0 1,839
VANGUARD INDEX FDS TOTAL STK MKT 922908769 507 2,823 SH   SOLE   2,033 0 790
CORTEVA INC COM 22052L104 505 8,834 SH   SOLE   651 0 8,183
GENERAL ELECTRIC CO COM NEW 369604301 505 8,153 SH   DFND   7,155 0 998
ISHARES TR SELECT DIVID ETF 464287168 504 4,698 SH   SOLE   1,087 0 3,611
EQUITY RESIDENTIAL SH BEN INT 29476L107 499 7,410 SH   SOLE   0 0 7,410
GENUINE PARTS CO COM 372460105 498 3,336 SH   OTR   3,336 0 0
CORPORATE OFFICE PPTYS TR SH BEN INT 22002T108 298 12,819 SH   DFND   0 0 0
CIGNA CORP NEW COM 125523100 3,562 12,838 SH   SOLE   867 0 11,971
VALLEY NATL BANCORP COM 919794107 140 12,947 SH   DFND   12,947 0 0
METLIFE INC COM 59156R108 494 8,125 SH   OTR   8,125 0 0
COMPANIA DE MINAS BUENAVENTU SPONSORED ADR 204448104 88 13,006 SH   SOLE   0 0 13,006
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109 491 6,801 SH   DFND   0 0 0
MID-AMER APT CMNTYS INC COM 59522J103 489 3,151 SH   DFND   0 0 0
EXTRA SPACE STORAGE INC COM 30225T102 484 2,801 SH   DFND   0 0 0
REAVES UTIL INCOME FD COM SH BEN INT 756158101 356 13,057 SH   SOLE   13,057 0 0
PPG INDS INC COM 693506107 482 4,363 SH   SOLE   2,788 0 1,575
ISHARES TR U.S. UTILITS ETF 464287697 476 5,871 SH   SOLE   0 0 5,871
AVERY DENNISON CORP COM 053611109 2,127 13,070 SH   SOLE   12,295 0 775
ESSEX PPTY TR INC COM 297178105 475 1,959 SH   DFND   0 0 0
EQUINIX INC COM 29444U700 7,437 13,074 SH   SOLE   12,423 0 651
CARRIER GLOBAL CORPORATION COM 14448C104 466 13,118 SH   OTR   12,618 0 500
VISA INC COM CL A 92826C839 474 2,670 SH   OTR   2,670 0 0
AUTONATION INC COM 05329W102 472 4,631 SH   SOLE   0 0 4,631
VIATRIS INC COM 92556V106 112 13,149 SH   DFND   11,467 0 1,682
HESS CORP COM 42809H107 471 4,325 SH   SOLE   1,314 0 3,011
PRUDENTIAL FINL INC COM 744320102 468 5,459 SH   DFND   5,438 0 21
WALMART INC COM 931142103 468 3,609 SH   OTR   3,609 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 464 5,753 SH   SOLE   0 0 5,753
IRON MTN INC DEL COM 46284V101 581 13,205 SH   DFND   0 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 464 2,733 SH   DFND   1,233 0 1,500
ROSS STORES INC COM 778296103 463 5,498 SH   DFND   663 0 4,835
DUKE ENERGY CORP NEW COM NEW 26441C204 463 4,976 SH   OTR   4,976 0 0
MICRON TECHNOLOGY INC COM 595112103 456 9,084 SH   SOLE   2,271 0 6,813
AIR PRODS & CHEMS INC COM 009158106 3,093 13,290 SH   OTR   12,990 0 300
ALLEGION PLC ORD SHS G0176J109 455 5,077 SH   SOLE   0 0 5,077
MANULIFE FINL CORP COM 56501R106 209 13,308 SH   DFND   2,352 0 10,956
NORFOLK SOUTHN CORP COM 655844108 455 2,169 SH   DFND   2,030 0 139
CAPITAL ONE FINL CORP COM 14040H105 1,230 13,340 SH   SOLE   0 0 13,340
AUTOZONE INC COM 053332102 452 211 SH   SOLE   10 0 201
VERTEX PHARMACEUTICALS INC COM 92532F100 449 1,550 SH   SOLE   1,550 0 0
MARATHON PETE CORP COM 56585A102 447 4,500 SH   OTR   4,500 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 445 3,585 SH   SOLE   3,585 0 0
NETFLIX INC COM 64110L106 445 1,890 SH   SOLE   340 0 1,550
TEXTRON INC COM 883203101 440 7,560 SH   DFND   7,500 0 60
RALPH LAUREN CORP CL A 751212101 437 5,152 SH   SOLE   250 0 4,902
ISHARES TR EXPND TEC SC ETF 464287549 436 1,580 SH   SOLE   425 0 1,155
CANADIAN NATL RY CO COM 136375102 432 4,002 SH   SOLE   0 0 4,002
AUTOZONE INC COM 053332102 431 201 SH   DFND   98 0 103
VALERO ENERGY CORP COM 91913Y100 1,433 13,411 SH   SOLE   890 0 12,521
UNITEDHEALTH GROUP INC COM 91324P102 425 842 SH   OTR   842 0 0
STAG INDL INC COM 85254J102 382 13,432 SH   DFND   0 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 424 4,172 SH   SOLE   3,709 0 463
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 153 13,476 SH   SOLE   250 0 13,226
AIRBNB INC COM CL A 009066101 424 4,033 SH   DFND   0 0 4,033
ELECTRONIC ARTS INC COM 285512109 424 3,667 SH   DFND   3,221 0 446
STARBUCKS CORP COM 855244109 1,136 13,481 SH   OTR   13,481 0 0
MCCORMICK & CO INC COM NON VTG 579780206 965 13,545 SH   OTR   13,545 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,467 13,607 SH   SOLE   6,415 0 7,192
TAPESTRY INC COM 876030107 387 13,620 SH   SOLE   0 0 13,620
TE CONNECTIVITY LTD SHS H84989104 420 3,808 SH   OTR   3,808 0 0
ISHARES TR INTRM GOV CR ETF 464288612 419 4,117 SH   SOLE   0 0 4,117
CONSOLIDATED EDISON INC COM 209115104 417 4,859 SH   DFND   4,646 0 213
BROADCOM INC COM 11135F101 414 931 SH   SOLE   478 0 453
OTIS WORLDWIDE CORP COM 68902V107 413 6,470 SH   OTR   6,220 0 250
TRUIST FINL CORP COM 89832Q109 412 9,432 SH   SOLE   8,155 0 1,277
KALA PHARMACEUTICALS INC COM 483119103 3 13,675 SH   SOLE   13,675 0 0
GRAINGER W W INC COM 384802104 410 838 SH   DFND   0 0 838
APPLIED MATLS INC COM 038222105 407 4,964 SH   OTR   4,964 0 0
WPP PLC NEW ADR 92937A102 406 9,867 SH   SOLE   0 0 9,867
BERKSHIRE HATHAWAY INC DEL CL A 084670108 406 1 SH   DFND   1 0 0
DISCOVER FINL SVCS COM 254709108 404 4,437 SH   SOLE   0 0 4,437
VANGUARD INDEX FDS GROWTH ETF 922908736 401 1,878 SH   SOLE   458 0 1,420
SPDR SER TR S&P DIVID ETF 78464A763 1,525 13,680 SH   OTR   0 0 0
INGREDION INC COM 457187102 400 4,967 SH   SOLE   0 0 4,967
DOW INC COM 260557103 398 9,068 SH   OTR   9,004 0 64
SPDR GOLD TR GOLD SHS 78463V107 398 2,574 SH   DFND   0 0 0
PTC INC COM 69370C100 395 3,781 SH   DFND   3,679 0 102
EOG RES INC COM 26875P101 395 3,536 SH   SOLE   0 0 3,536
VANGUARD INDEX FDS VALUE ETF 922908744 391 3,174 SH   SOLE   1,333 0 1,841
GENERAL ELECTRIC CO COM NEW 369604301 388 6,274 SH   OTR   6,274 0 0
PRICE T ROWE GROUP INC COM 74144T108 386 3,674 SH   DFND   3,659 0 15
SHERWIN WILLIAMS CO COM 824348106 386 1,887 SH   DFND   1,345 0 542
BLACKSTONE INC COM 09260D107 383 4,575 SH   OTR   4,575 0 0
ADVANCED MICRO DEVICES INC COM 007903107 382 6,022 SH   SOLE   2,267 0 3,755
NUVEEN AMT FREE QLTY MUN INC COM 670657105 145 13,689 SH   SOLE   0 0 13,689
L3HARRIS TECHNOLOGIES INC COM 502431109 2,848 13,702 SH   SOLE   7,906 0 5,796
AMERICAN ELEC PWR CO INC COM 025537101 381 4,408 SH   OTR   4,408 0 0
DUPONT DE NEMOURS INC COM 26614N102 380 7,547 SH   OTR   7,483 0 64
WEC ENERGY GROUP INC COM 92939U106 380 4,252 SH   SOLE   1,667 0 2,585
ONEOK INC NEW COM 682680103 704 13,740 SH   SOLE   10,917 0 2,823
SPDR SER TR S&P BIOTECH 78464A870 1,091 13,757 SH   SOLE   1,200 0 12,557
DYCOM INDS INC COM 267475101 380 3,981 SH   DFND   743 700 2,538
TELESAT CORP CL A & CL B SHS 879512309 108 13,885 SH   SOLE   13,885 0 0
BANK NEW YORK MELLON CORP COM 064058100 375 9,726 SH   DFND   9,417 0 309
FORTIVE CORP COM 34959J108 373 6,390 SH   DFND   5,250 0 1,140
INTUITIVE SURGICAL INC COM NEW 46120E602 372 1,986 SH   DFND   1,552 0 434
ORGANON & CO COMMON STOCK 68622V106 326 13,893 SH   SOLE   934 0 13,026
EDWARDS LIFESCIENCES CORP COM 28176E108 1,152 13,949 SH   SOLE   1,218 0 12,731
TESLA INC COM 88160R101 3,719 14,017 SH   SOLE   4,983 0 9,034
AMGEN INC COM 031162100 3,207 14,228 SH   SOLE   4,710 0 9,518
SIMON PPTY GROUP INC NEW COM 828806109 1,278 14,229 SH   SOLE   196 0 14,033
SOUTHERN CO COM 842587107 371 5,455 SH   OTR   5,455 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,456 14,371 SH   OTR   0 0 0
META PLATFORMS INC CL A 30303M102 371 2,736 SH   OTR   2,736 0 0
NEUBERGER BERMAN REAL ESTATE COM 64190A103 49 14,383 SH   DFND   0 0 0
PERFORMANCE FOOD GROUP CO COM 71377A103 369 8,600 SH   DFND   8,600 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 2,699 14,394 SH   SOLE   1,437 0 12,957
ISHARES TR EAFE SML CP ETF 464288273 367 7,525 SH   DFND   0 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 367 2,885 SH   OTR   0 0 0
ORACLE CORP COM 68389X105 366 6,001 SH   OTR   6,001 0 0
FIRST INDL RLTY TR INC COM 32054K103 365 8,141 SH   DFND   0 0 0
MOHAWK INDS INC COM 608190104 365 4,007 SH   SOLE   0 0 4,007
ALIGN TECHNOLOGY INC COM 016255101 364 1,756 SH   SOLE   1,756 0 0
AMER STATES WTR CO COM 029899101 362 4,638 SH   SOLE   0 0 4,638
LAS VEGAS SANDS CORP COM 517834107 361 9,628 SH   SOLE   0 0 9,628
PUBLIC STORAGE COM 74460D109 360 1,231 SH   DFND   0 0 0
APA CORPORATION COM 03743Q108 496 14,512 SH   SOLE   0 0 14,512
ISHARES TR RESIDENTIAL MULT 464288562 359 5,000 SH   DFND   0 0 0
INVESCO CURRENCYSHARES SWISS SWISS FRANC 46138R108 355 3,922 SH   OTR   0 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 355 1,156 SH   DFND   0 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 354 9,725 SH   OTR   0 0 0
MARATHON PETE CORP COM 56585A102 352 3,547 SH   DFND   2,850 0 697
MORGAN STANLEY INDIA INVT FD COM 61745C105 339 14,575 SH   SOLE   0 0 14,575
GOLDMAN SACHS GROUP INC COM 38141G104 352 1,200 SH   OTR   1,200 0 0
D R HORTON INC COM 23331A109 990 14,704 SH   SOLE   20 0 14,684
SPDR SER TR S&P REGL BKG 78464A698 351 5,967 SH   SOLE   5,967 0 0
OGE ENERGY CORP COM 670837103 350 9,600 SH   DFND   0 0 9,600
TOTALENERGIES SE SPONSORED ADS 89151E109 350 7,520 SH   SOLE   100 0 7,420
LOCKHEED MARTIN CORP COM 539830109 5,685 14,714 SH   SOLE   662 0 14,052
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 524 14,767 SH   SOLE   0 0 14,767
GENERAL MLS INC COM 370334104 1,131 14,775 SH   SOLE   1,200 0 13,575
LIBERTY ALL-STAR GROWTH FD I COM 529900102 73 14,800 SH   DFND   0 0 0
WISDOMTREE TR WISDOMTREE US VA 97717W547 350 6,851 SH   SOLE   0 0 6,851
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 348 2,446 SH   DFND   0 0 0
KIRBY CORP COM 497266106 347 5,714 SH   SOLE   0 0 5,714
M & T BK CORP COM 55261F104 346 1,963 SH   DFND   763 0 1,200
LOEWS CORP COM 540424108 344 6,906 SH   SOLE   0 0 6,906
MICRON TECHNOLOGY INC COM 595112103 343 6,853 SH   DFND   5,820 0 1,033
COCA COLA CO COM 191216100 837 14,934 SH   OTR   14,934 0 0
BIOGEN INC COM 09062X103 341 1,276 SH   SOLE   100 0 1,176
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 77 14,935 SH   SOLE   0 0 14,935
T-MOBILE US INC COM 872590104 340 2,535 SH   DFND   1,400 0 1,135
EVERGY INC COM 30034W106 339 5,703 SH   SOLE   349 0 5,354
ILLINOIS TOOL WKS INC COM 452308109 2,703 14,964 SH   DFND   13,699 0 1,265
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 338 1,290 SH   DFND   1,277 0 13
FERROGLOBE PLC SHS G33856108 79 15,000 SH   SOLE   15,000 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 333 5,039 SH   DFND   0 0 0
SUNNOVA ENERGY INTL INC. COM 86745K104 331 15,000 SH   SOLE   15,000 0 0
NOVO-NORDISK A S ADR 670100205 333 3,339 SH   DFND   3,035 0 304
MARRIOTT INTL INC NEW CL A 571903202 333 2,378 SH   DFND   1,738 0 640
EXTRA SPACE STORAGE INC COM 30225T102 2,594 15,018 SH   SOLE   12,859 0 2,159
ISHARES TR RUS 1000 VAL ETF 464287598 2,043 15,021 SH   DFND   0 0 0
TRANSOCEAN LTD REG SHS H8817H100 37 15,028 SH   SOLE   0 0 15,028
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,938 15,040 SH   OTR   0 0 0
ISHARES SILVER TR ISHARES 46428Q109 263 15,050 SH   SOLE   14,650 0 400
WEC ENERGY GROUP INC COM 92939U106 332 3,710 SH   DFND   88 0 3,622
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 591 15,218 SH   SOLE   0 0 15,218
STATE STR CORP COM 857477103 331 5,437 SH   DFND   1,177 0 4,260
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 331 4,821 SH   DFND   1,495 0 3,326
HALOZYME THERAPEUTICS INC COM 40637H109 329 8,333 SH   DFND   8,000 0 333
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 327 4,584 SH   DFND   0 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 325 300 SH   SOLE   100 0 200
MCDONALDS CORP COM 580135101 3,528 15,288 SH   OTR   15,288 0 0
ISHARES TR GLB CNSM STP ETF 464288737 324 6,042 SH   SOLE   0 0 6,042
QUEST DIAGNOSTICS INC COM 74834L100 323 2,630 SH   DFND   2,150 0 480
DEERE & CO COM 244199105 323 967 SH   OTR   967 0 0
ISHARES TR CORE US AGGBD ET 464287226 322 3,343 SH   DFND   0 0 0
ARCOSA INC COM 039653100 320 5,588 SH   SOLE   0 0 5,588
STRYKER CORPORATION COM 863667101 320 1,582 SH   OTR   1,582 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 317 3,908 SH   DFND   0 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,385 15,443 SH   SOLE   13,423 0 2,020
AUTOMATIC DATA PROCESSING IN COM 053015103 3,494 15,449 SH   OTR   15,449 0 0
EDISON INTL COM 281020107 875 15,452 SH   SOLE   818 0 14,634
WYNN RESORTS LTD COM 983134107 315 4,994 SH   SOLE   0 0 4,994
EQUIFAX INC COM 294429105 315 1,839 SH   DFND   1,700 0 139
GLOBAL PMTS INC COM 37940X102 311 2,878 SH   DFND   0 0 2,878
3M CO COM 88579Y101 308 2,788 SH   OTR   2,788 0 0
ISHARES TR CORE S&P TTL STK 464287150 306 3,840 SH   SOLE   1,229 0 2,611
TARGET CORP COM 87612E106 305 2,055 SH   OTR   2,055 0 0
ENBRIDGE INC COM 29250N105 301 8,108 SH   SOLE   4,983 0 3,125
ISHARES GOLD TR ISHARES NEW 464285204 298 9,443 SH   DFND   0 0 0
SOUTHERN CO COM 842587107 1,051 15,459 SH   DFND   14,361 0 1,098
CROWN CASTLE INC COM 22822V101 298 2,062 SH   OTR   0 0 0
WASTE MGMT INC DEL COM 94106L109 2,482 15,494 SH   OTR   15,494 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 298 1,036 SH   DFND   0 0 0
METLIFE INC COM 59156R108 942 15,495 SH   DFND   15,365 0 130
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101 295 3,276 SH   DFND   0 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 1,491 15,518 SH   OTR   0 0 0
SPROTT FOCUS TR INC COM 85208J109 108 15,672 SH   SOLE   0 0 15,672
OREILLY AUTOMOTIVE INC COM 67103H107 295 419 SH   DFND   331 0 88
SCHLUMBERGER LTD COM STK 806857108 294 8,195 SH   OTR   7,195 0 1,000
ISHARES TR U.S. TECH ETF 464287721 293 4,000 SH   OTR   0 0 0
NASDAQ INC COM 631103108 291 5,136 SH   DFND   0 0 5,136
TOYOTA MOTOR CORP ADS 892331307 291 2,229 SH   SOLE   67 0 2,162
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 290 6,104 SH   DFND   5,608 0 496
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 290 4,365 SH   DFND   0 0 0
FIRST TR ABRDN EMERGING OPP COM 33731K102 140 15,673 SH   SOLE   0 0 15,673
ISHARES TR U.S. INSRNCE ETF 464288786 288 3,640 SH   SOLE   1,500 0 2,140
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 288 2,375 SH   OTR   0 0 0
DOMINION ENERGY INC COM 25746U109 1,086 15,709 SH   OTR   15,709 0 0
ECOLAB INC COM 278865100 2,277 15,764 SH   DFND   15,063 0 701
ADVANCED MICRO DEVICES INC COM 007903107 286 4,510 SH   OTR   4,510 0 0
GENUINE PARTS CO COM 372460105 286 1,910 SH   SOLE   615 0 1,295
ASSURED GUARANTY LTD COM G0585R106 284 5,857 SH   SOLE   0 0 5,857
ROYAL CARIBBEAN GROUP COM V7780T103 283 7,458 SH   SOLE   100 0 7,358
MAGNA INTL INC COM 559222401 283 5,958 SH   SOLE   0 0 5,958
ANYWHERE REAL ESTATE INC COM 75605Y106 128 15,781 SH   SOLE   0 0 15,781
AFLAC INC COM 001055102 280 4,991 SH   DFND   4,541 0 450
PTC INC COM 69370C100 280 2,675 SH   OTR   2,675 0 0
SUN CMNTYS INC COM 866674104 278 2,056 SH   DFND   0 0 0
TRINITY INDS INC COM 896522109 337 15,792 SH   SOLE   0 0 15,792
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,037 15,826 SH   DFND   0 0 0
LENNAR CORP CL A 526057104 277 3,729 SH   SOLE   959 0 2,770
CORTEVA INC COM 22052L104 271 4,737 SH   OTR   4,673 0 64
DORCHESTER MINERALS LP COM UNIT 25820R105 398 15,922 SH   SOLE   15,922 0 0
SYSCO CORP COM 871829107 270 3,820 SH   SOLE   400 0 3,420
BALCHEM CORP COM 057665200 270 2,220 SH   DFND   1,900 0 320
AMERICAN ELEC PWR CO INC COM 025537101 1,378 15,941 SH   SOLE   2,992 0 12,949
KINDER MORGAN INC DEL COM 49456B101 266 15,973 SH   SOLE   5,889 0 10,084
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 29 16,001 SH   SOLE   0 0 16,001
FMC CORP COM NEW 302491303 1,701 16,090 SH   SOLE   12,853 0 3,237
CROWN CASTLE INC COM 22822V101 2,329 16,111 SH   SOLE   13,900 0 2,211
SOUTHERN CO COM 842587107 1,098 16,147 SH   SOLE   4,483 0 11,664
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 134 16,194 SH   SOLE   508 0 15,686
ADOBE SYSTEMS INCORPORATED COM 00724F101 269 974 SH   SOLE   899 0 75
THERMO FISHER SCIENTIFIC INC COM 883556102 269 530 SH   OTR   530 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 268 2,205 SH   DFND   1,270 0 935
FORD MTR CO DEL COM 345370860 181 16,200 SH   OTR   16,200 0 0
ENTERGY CORP NEW COM 29364G103 267 2,650 SH   DFND   2,612 0 38
JAPAN SMALLER CAPITALIZATION COM 47109U104 95 16,235 SH   SOLE   0 0 16,235
PPG INDS INC COM 693506107 266 2,405 SH   DFND   2,366 0 39
GROUP 1 AUTOMOTIVE INC COM 398905109 265 1,853 SH   SOLE   0 0 1,853
CITIZENS FINL GROUP INC COM 174610105 264 7,675 SH   OTR   7,675 0 0
AMETEK INC COM 031100100 263 2,322 SH   SOLE   2,322 0 0
FIRST SOLAR INC COM 336433107 262 1,980 SH   DFND   1,980 0 0
ISHARES TR U.S. BAS MTL ETF 464287838 260 2,405 SH   SOLE   0 0 2,405
CIGNA CORP NEW COM 125523100 259 934 SH   OTR   813 0 121
NEW JERSEY RES CORP COM 646025106 258 6,662 SH   SOLE   2,808 0 3,854
GSK PLC SPONSORED ADR 37733W204 257 8,748 SH   DFND   8,748 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,230 16,252 SH   SOLE   544 0 15,708
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 257 4,150 SH   SOLE   0 0 4,150
ISHARES TR MSCI ACWI EX US 464288240 651 16,280 SH   SOLE   0 0 16,280
ISHARES TR S&P 500 GRWT ETF 464287309 951 16,422 SH   SOLE   6,180 0 10,242
HUNTINGTON BANCSHARES INC COM 446150104 217 16,449 SH   DFND   11,672 4,114 663
ORGANON & CO COMMON STOCK 68622V106 388 16,584 SH   DFND   16,328 0 256
WEYERHAEUSER CO MTN BE COM NEW 962166104 253 8,849 SH   DFND   0 0 0
SYNCHRONY FINANCIAL COM 87165B103 468 16,607 SH   SOLE   0 0 16,607
ACADIA HEALTHCARE COMPANY IN COM 00404A109 252 3,227 SH   DFND   0 0 3,227
IRIDIUM COMMUNICATIONS INC COM 46269C102 737 16,608 SH   SOLE   15,708 0 900
ISHARES TR U.S. REAL ES ETF 464287739 252 3,091 SH   DFND   0 0 0
COLGATE PALMOLIVE CO COM 194162103 251 3,566 SH   OTR   3,566 0 0
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 251 2,650 SH   SOLE   2,650 0 0
ENTERGY CORP NEW COM 29364G103 251 2,493 SH   SOLE   159 0 2,334
MPLX LP COM UNIT REP LTD 55336V100 250 8,316 SH   SOLE   8,316 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 186 16,798 SH   SOLE   1,500 0 15,298
TD HLDGS INC COM NEW 87250W202 20 16,849 SH   DFND   16,849 0 0
CARNIVAL CORP COMMON STOCK 143658300 119 16,858 SH   SOLE   100 0 16,758
BCB BANCORP INC COM 055298103 284 16,876 SH   SOLE   2,000 0 14,876
ISHARES TR MSCI EMG MKT ETF 464287234 589 16,878 SH   SOLE   13,113 0 3,765
MODERNA INC COM 60770K107 248 2,100 SH   DFND   2,100 0 0
ABB LTD SPONSORED ADR 000375204 434 16,898 SH   DFND   6,105 0 10,793
ISHARES TR RUSSELL 3000 ETF 464287689 248 1,197 SH   DFND   0 0 0
HESS MIDSTREAM LP CL A SHS 428103105 247 9,667 SH   SOLE   9,667 0 0
JOHNSON CTLS INTL PLC SHS G51502105 247 5,002 SH   SOLE   22 0 4,980
PALO ALTO NETWORKS INC COM 697435105 246 1,503 SH   DFND   309 0 1,194
GENERAL DYNAMICS CORP COM 369550108 246 1,160 SH   OTR   1,160 0 0
MERIT MED SYS INC COM 589889104 243 4,303 SH   DFND   0 0 4,303
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 242 6,691 SH   SOLE   0 0 6,691
GOLDMAN SACHS GROUP INC COM 38141G104 4,961 16,928 SH   DFND   16,383 0 545
INTUIT COM 461202103 240 620 SH   DFND   100 0 520
XYLEM INC COM 98419M100 239 2,737 SH   DFND   804 0 1,933
FREEPORT-MCMORAN INC CL B 35671D857 238 8,700 SH   SOLE   75 0 8,625
GENWORTH FINL INC COM CL A 37247D106 59 16,961 SH   SOLE   0 0 16,961
CHUBB LIMITED COM H1467J104 3,085 16,962 SH   DFND   14,389 0 2,573
ISHARES TR US HLTHCR PR ETF 464288828 4,342 16,995 SH   SOLE   525 0 16,470
SPDR SER TR S&P RETAIL ETF 78464A714 238 4,210 SH   SOLE   0 0 4,210
MARVELL TECHNOLOGY INC COM 573874104 237 5,525 SH   SOLE   5,525 0 0
KELLOGG CO COM 487836108 237 3,401 SH   SOLE   1,300 0 2,101
BOSTON PROPERTIES INC COM 101121101 237 3,165 SH   SOLE   0 0 3,165
NORTHROP GRUMMAN CORP COM 666807102 237 503 SH   DFND   412 0 91
SPROTT INC COM NEW 852066208 235 7,000 SH   SOLE   7,000 0 0
HESS CORP COM 42809H107 235 2,156 SH   DFND   2,002 0 154
SCHWAB STRATEGIC TR US TIPS ETF 808524870 233 4,507 SH   SOLE   4,507 0 0
MID-AMER APT CMNTYS INC COM 59522J103 2,636 17,002 SH   SOLE   14,673 0 2,329
CENTENE CORP DEL COM 15135B101 233 2,985 SH   SOLE   0 0 2,985
SPDR SER TR BLOOMBERG HIGH Y 78468R622 233 2,649 SH   SOLE   2,649 0 0
RELX PLC SPONSORED ADR 759530108 231 9,503 SH   DFND   3,850 0 5,653
PEMBINA PIPELINE CORP COM 706327103 231 7,600 SH   SOLE   7,600 0 0
ISHARES TR U.S. PHARMA ETF 464288836 2,889 17,040 SH   SOLE   0 0 17,040
HERSHEY CO COM 427866108 3,766 17,080 SH   SOLE   4,571 0 12,509
TRIMBLE INC COM 896239100 231 4,250 SH   DFND   250 0 4,000
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 230 8,979 SH   SOLE   0 0 8,979
NRG ENERGY INC COM NEW 629377508 230 6,001 SH   DFND   6,001 0 0
BK OF AMERICA CORP COM 060505104 519 17,170 SH   OTR   17,170 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 228 7,800 SH   SOLE   7,800 0 0
QUEST DIAGNOSTICS INC COM 74834L100 227 1,844 SH   SOLE   263 0 1,581
PHILIP MORRIS INTL INC COM 718172109 226 2,725 SH   OTR   2,725 0 0
INTUIT COM 461202103 6,713 17,332 SH   SOLE   16,442 0 890
ORANGE SPONSORED ADR 684060106 156 17,342 SH   SOLE   0 0 17,342
DUKE ENERGY CORP NEW COM NEW 26441C204 1,624 17,456 SH   DFND   16,747 0 709
FTI CONSULTING INC COM 302941109 226 1,362 SH   DFND   0 0 1,362
VERISK ANALYTICS INC COM 92345Y106 226 1,325 SH   DFND   0 0 1,325
FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS 344419106 225 3,584 SH   DFND   0 0 3,584
VALERO ENERGY CORP COM 91913Y100 225 2,104 SH   DFND   2,023 0 81
NUTRIEN LTD COM 67077M108 1,474 17,672 SH   SOLE   0 0 17,672
SIMON PPTY GROUP INC NEW COM 828806109 1,589 17,702 SH   DFND   0 0 0
SMITH & WESSON BRANDS INC COM 831754106 184 17,770 SH   SOLE   0 0 17,770
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 308 17,922 SH   SOLE   0 0 17,922
NEXTERA ENERGY INC COM 65339F101 1,412 18,006 SH   OTR   18,006 0 0
ALASKA AIR GROUP INC COM 011659109 223 5,714 SH   SOLE   700 0 5,014
ISHARES TR PFD AND INCM SEC 464288687 573 18,088 SH   OTR   0 0 0
FORTIVE CORP COM 34959J108 223 3,821 SH   OTR   3,821 0 0
AGNICO EAGLE MINES LTD COM 008474108 222 5,261 SH   SOLE   0 0 5,261
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108 177 18,120 SH   SOLE   0 0 18,120
ISHARES INC CORE MSCI EMKT 46434G103 222 5,169 SH   DFND   0 0 0
WILLIAMS SONOMA INC COM 969904101 2,139 18,148 SH   SOLE   2,860 0 15,288
ISHARES TR 7-10 YR TRSY BD 464287440 222 2,317 SH   SOLE   272 0 2,045
BIOMARIN PHARMACEUTICAL INC COM 09061G101 220 2,600 SH   SOLE   2,600 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 220 1,960 SH   OTR   1,960 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 1,465 18,207 SH   SOLE   0 0 18,207
FACTSET RESH SYS INC COM 303075105 220 550 SH   SOLE   0 0 550
SYLVAMO CORP COMMON STOCK 871332102 219 6,459 SH   DFND   6,387 0 72
CORTEVA INC COM 22052L104 1,048 18,338 SH   DFND   16,467 0 1,871
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 219 2,307 SH   OTR   0 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101 1,655 18,363 SH   SOLE   16,076 0 2,287
YUM BRANDS INC COM 988498101 219 2,059 SH   DFND   2,037 0 22
ALEXANDRIA REAL ESTATE EQ IN COM 015271109 2,574 18,365 SH   SOLE   15,730 0 2,635
EASTGROUP PPTYS INC COM 277276101 219 1,519 SH   DFND   0 0 0
NORDSTROM INC COM 655664100 307 18,367 SH   SOLE   0 0 18,367
SMART SAND INC COM 83191H107 29 18,438 SH   SOLE   0 0 18,438
LINDE PLC SHS G5494J103 219 812 SH   SOLE   312 0 500
JOHNSON CTLS INTL PLC SHS G51502105 218 4,420 SH   DFND   0 0 4,420
GRAINGER W W INC COM 384802104 218 447 SH   SOLE   3 0 444
NEWMONT CORP COM 651639106 775 18,441 SH   SOLE   0 0 18,441
ISHARES TR CORE HIGH DV ETF 46429B663 216 2,365 SH   DFND   0 0 0
WORKDAY INC CL A 98138H101 215 1,415 SH   DFND   1,415 0 0
GLOBALFOUNDRIES INC ORDINARY SHARES G39387108 892 18,450 SH   SOLE   18,450 0 0
TEXAS INSTRS INC COM 882508104 214 1,384 SH   OTR   1,384 0 0
TRUIST FINL CORP COM 89832Q109 806 18,520 SH   OTR   18,520 0 0
ISHARES TR US TRSPRTION 464287192 214 1,090 SH   SOLE   0 0 1,090
HONDA MOTOR LTD AMERN SHS 438128308 213 9,867 SH   SOLE   0 0 9,867
DIAMONDBACK ENERGY INC COM 25278X109 213 1,771 SH   DFND   0 0 1,771
PALO ALTO NETWORKS INC COM 697435105 212 1,290 SH   SOLE   255 0 1,035
HUNTSMAN CORP COM 447011107 208 8,484 SH   SOLE   0 0 8,484
COMERICA INC COM 200340107 1,323 18,607 SH   DFND   18,437 0 170
EOG RES INC COM 26875P101 208 1,859 SH   OTR   1,859 0 0
HERSHEY CO COM 427866108 4,105 18,621 SH   DFND   18,189 0 432
CENTERPOINT ENERGY INC COM 15189T107 207 7,355 SH   SOLE   0 0 7,355
NOVARTIS AG SPONSORED ADR 66987V109 207 2,718 SH   OTR   2,718 0 0
QUALTRICS INTL INC COM CL A 747601201 190 18,700 SH   SOLE   18,700 0 0
KIMBERLY-CLARK CORP COM 494368103 205 1,818 SH   OTR   1,547 0 271
BRIGHTHOUSE FINL INC COM 10922N103 815 18,770 SH   SOLE   15 0 18,755
DUKE REALTY CORP COM NEW 264411505 204 4,235 SH   SOLE   0 0 4,235
INGERSOLL RAND INC COM 45687V106 817 18,876 SH   SOLE   1,250 0 17,626
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 204 1,417 SH   SOLE   0 0 1,417
PIONEER NAT RES CO COM 723787107 204 943 SH   SOLE   768 0 175
ALTRIA GROUP INC COM 02209S103 203 5,025 SH   OTR   5,025 0 0
MIDDLESEX WTR CO COM 596680108 203 2,630 SH   SOLE   0 0 2,630
INVESCO EXCHANGE TRADED FD T DWA ENERGY MNT 46137V878 202 5,155 SH   SOLE   0 0 5,155
ISHARES TR RUS TP200 GR ETF 464289438 201 1,684 SH   SOLE   0 0 1,684
WILLIS TOWERS WATSON PLC LTD SHS G96629103 201 1,000 SH   SOLE   1,000 0 0
ABRDN ASIA PACIFIC INCOME FU COM 003009107 48 18,896 SH   SOLE   2,000 0 16,896
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 200 2,643 SH   DFND   0 0 0
NUVEEN AMT FREE MUN CR INC F COM 67071L106 220 18,896 SH   SOLE   1,566 0 17,330
EVERSOURCE ENERGY COM 30040W108 200 2,568 SH   SOLE   889 0 1,679
COSTCO WHSL CORP NEW COM 22160K105 8,937 18,924 SH   SOLE   15,761 0 3,294
WESTERN ASST INFLTN LKD INM COM SH BEN INT 95766Q106 170 18,949 SH   SOLE   0 0 18,949
ENTERPRISE PRODS PARTNERS L COM 293792107 452 19,010 SH   DFND   17,941 0 1,069
MICROSOFT CORP COM 594918104 4,432 19,028 SH   OTR   19,028 0 0
EASTMAN CHEM CO COM 277432100 1,354 19,070 SH   SOLE   90 0 18,980
FASTENAL CO COM 311900104 881 19,129 SH   DFND   19,122 0 7
SALESFORCE INC COM 79466L302 2,763 19,204 SH   SOLE   4,977 0 14,227
QURATE RETAIL INC COM SER A 74915M100 39 19,318 SH   SOLE   0 0 19,318
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 5,570 19,389 SH   SOLE   760 0 18,629
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,753 19,398 SH   DFND   17,763 0 1,635
DEVON ENERGY CORP NEW COM 25179M103 1,166 19,401 SH   SOLE   435 0 18,966
INTERPUBLIC GROUP COS INC COM 460690100 497 19,425 SH   OTR   19,425 0 0
GSK PLC SPONSORED ADR 37733W105 572 19,444 SH   SOLE   19,444 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 4,062 19,545 SH   DFND   18,941 0 604
NORTH EUROPEAN OIL RTY TR SH BEN INT 659310106 286 19,815 SH   SOLE   19,815 0 0
MARTIN MARIETTA MATLS INC COM 573284106 6,442 20,000 SH   DFND   19,785 0 215
WESTERN DIGITAL CORP. COM 958102105 651 20,008 SH   SOLE   100 0 19,908
ISHARES TR CORE S&P SCP ETF 464287804 1,744 20,014 SH   SOLE   12,445 0 7,569
PFIZER INC COM 717081103 877 20,037 SH   OTR   20,037 0 0
NUVEEN QUALITY MUNCP INCOME COM 67066V101 221 20,064 SH   SOLE   240 0 19,824
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 222 20,156 SH   SOLE   0 0 20,156
HELMERICH & PAYNE INC COM 423452101 746 20,177 SH   SOLE   0 0 20,177
DEERE & CO COM 244199105 6,799 20,363 SH   SOLE   4,225 0 16,138
LILLY ELI & CO COM 532457108 6,626 20,490 SH   SOLE   4,606 0 15,884
SPDR SER TR BLOOMBERG SHT TE 78468R408 488 20,525 SH   DFND   0 0 0
PILGRIMS PRIDE CORP COM 72147K108 473 20,551 SH   SOLE   0 0 20,551
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 951 20,594 SH   SOLE   4,399 0 16,195
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,539 20,708 SH   SOLE   16,724 0 3,984
PPL CORP COM 69351T106 526 20,738 SH   DFND   20,709 0 29
INVESCO TR INVT GRADE NEW YO COM 46131T101 199 20,818 SH   SOLE   20,818 0 0
BLACKROCK MULTI SECTOR INC T COM 09258A107 297 20,825 SH   SOLE   0 0 20,825
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,476 20,842 SH   DFND   0 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,637 20,872 SH   OTR   0 0 0
QUALCOMM INC COM 747525103 2,366 20,938 SH   OTR   19,938 0 1,000
ISHARES TR U.S. FINLS ETF 464287788 1,416 20,967 SH   SOLE   0 0 20,967
AVNET INC COM 053807103 758 20,977 SH   SOLE   0 0 20,977
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,717 20,977 SH   OTR   20,477 0 500
US BANCORP DEL COM NEW 902973304 851 21,109 SH   OTR   21,109 0 0
SCHWAB CHARLES CORP COM 808513105 1,520 21,144 SH   OTR   21,144 0 0
BANK NEW YORK MELLON CORP COM 064058100 814 21,146 SH   SOLE   3,272 0 17,874
CATERPILLAR INC COM 149123101 3,476 21,188 SH   SOLE   890 0 20,298
DIGITAL RLTY TR INC COM 253868103 2,103 21,210 SH   SOLE   18,262 0 2,948
HANCOCK JOHN FINL OPPTYS FD SH BEN INT NEW 409735206 674 21,359 SH   SOLE   0 0 21,359
WELLS FARGO CO NEW COM 949746101 862 21,426 SH   DFND   17,300 0 4,126
TARGET CORP COM 87612E106 3,186 21,471 SH   DFND   20,913 0 558
ISHARES TR GL CLEAN ENE ETF 464288224 414 21,724 SH   SOLE   1,489 0 20,235
TOTALENERGIES SE SPONSORED ADS 89151E109 1,011 21,733 SH   DFND   21,733 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 1,004 21,754 SH   OTR   0 0 0
SHELL PLC SPON ADS 780259305 1,086 21,818 SH   DFND   18,089 0 3,729
CONSOLIDATED EDISON INC COM 209115104 1,877 21,897 SH   SOLE   6,741 0 15,156
SYSCO CORP COM 871829107 1,550 21,923 SH   OTR   20,398 1,050 475
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 1,007 22,294 SH   SOLE   0 0 22,294
EOG RES INC COM 26875P101 2,514 22,500 SH   DFND   21,697 0 803
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 364 22,500 SH   SOLE   22,500 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,686 22,528 SH   OTR   0 0 0
AMERICAN EXPRESS CO COM 025816109 3,045 22,574 SH   SOLE   1,602 0 20,972
ISHARES TR CORE S&P500 ETF 464287200 8,102 22,593 SH   SOLE   16,842 0 5,916
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,123 22,732 SH   SOLE   0 0 22,732
V F CORP COM 918204108 682 22,810 SH   OTR   22,110 0 700
CUMMINS INC COM 231021106 4,657 22,879 SH   SOLE   17,810 0 5,069
KEYCORP COM 493267108 367 22,882 SH   OTR   22,882 0 0
MGM RESORTS INTERNATIONAL COM 552953101 683 22,986 SH   SOLE   0 0 22,986
TE CONNECTIVITY LTD SHS H84989104 2,538 22,989 SH   SOLE   21,216 0 1,773
B2GOLD CORP COM 11777Q209 74 23,023 SH   SOLE   0 0 23,023
LOWES COS INC COM 548661107 4,337 23,092 SH   SOLE   3,903 0 19,189
AMNEAL PHARMACEUTICALS INC COM STK CL A 03168L105 47 23,189 SH   SOLE   20,327 0 2,862
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 290 23,520 SH   SOLE   0 0 23,520
PPL CORP COM 69351T106 600 23,663 SH   SOLE   1,000 0 22,663
TJX COS INC NEW COM 872540109 1,478 23,793 SH   OTR   23,793 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 2,093 23,966 SH   DFND   0 0 0
DISCOVER FINL SVCS COM 254709108 2,198 24,180 SH   DFND   24,063 0 117
ISHARES TR U.S. TECH ETF 464287721 1,778 24,229 SH   SOLE   500 0 23,729
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,731 24,250 SH   SOLE   21,963 0 2,287
REALTY INCOME CORP COM 756109104 1,412 24,268 SH   DFND   0 0 0
CONSTELLATION BRANDS INC CL A 21036P108 5,578 24,287 SH   DFND   24,278 0 9
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 400 24,345 SH   SOLE   0 0 24,345
CARDINAL HEALTH INC COM 14149Y108 1,634 24,511 SH   SOLE   18 0 24,493
ISHARES TR GLOBAL REIT ETF 46434V647 522 24,577 SH   SOLE   24,577 0 558
ARISTA NETWORKS INC COM 040413106 2,801 24,813 SH   DFND   24,813 0 0
MONDELEZ INTL INC CL A 609207105 1,371 25,005 SH   DFND   17,574 0 7,431
COLGATE PALMOLIVE CO COM 194162103 1,765 25,134 SH   SOLE   10,038 0 15,096
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 112 25,190 SH   DFND   0 0 25,190
SABINE RTY TR UNIT BEN INT 785688102 1,794 25,236 SH   SOLE   25,236 0 0
BAXTER INTL INC COM 071813109 1,362 25,300 SH   SOLE   2,750 0 22,550
GOLD FIELDS LTD SPONSORED ADR 38059T106 206 25,523 SH   SOLE   0 0 25,523
PIMCO CORPORATE & INCM STRG COM 72200U100 303 25,600 SH   SOLE   25,000 0 600
BHP GROUP LTD SPONSORED ADS 088606108 1,283 25,637 SH   SOLE   1,720 0 23,917
THERMO FISHER SCIENTIFIC INC COM 883556102 13,039 25,709 SH   DFND   24,408 0 1,301
GENERAC HLDGS INC COM 368736104 4,607 25,858 SH   SOLE   25,008 0 850
PHILIP MORRIS INTL INC COM 718172109 2,151 25,909 SH   SOLE   1,721 0 24,188
CHECK POINT SOFTWARE TECH LT ORD M22465104 2,915 26,022 SH   SOLE   25,472 0 550
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,094 26,126 SH   SOLE   22,204 0 3,922
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204 70 26,185 SH   SOLE   0 0 26,185
ISHARES TR RUS 2000 GRW ETF 464287648 5,412 26,198 SH   SOLE   22,290 0 3,907
DOMINION ENERGY INC COM 25746U109 1,812 26,229 SH   SOLE   7,214 0 19,015
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 3,641 26,240 SH   SOLE   900 0 25,340
PALANTIR TECHNOLOGIES INC CL A 69608A108 214 26,357 SH   SOLE   2,200 0 24,157
ISHARES TR MSCI EAFE ETF 464287465 1,494 26,672 SH   SOLE   14,453 0 12,219
ATEA PHARMACEUTICALS INC COM 04683R106 152 26,696 SH   SOLE   26,696 0 0
DISNEY WALT CO COM 254687106 2,523 26,749 SH   OTR   26,049 0 700
TRANE TECHNOLOGIES PLC SHS G8994E103 3,876 26,775 SH   SOLE   300 0 26,475
WASTE MGMT INC DEL COM 94106L109 4,322 26,979 SH   SOLE   24,422 0 2,557
ALPHABET INC CAP STK CL A 02079K305 2,581 26,986 SH   OTR   26,786 0 200
CIGNA CORP NEW COM 125523100 7,504 27,043 SH   DFND   26,376 0 667
AT&T INC COM 00206R102 416 27,114 SH   OTR   26,114 0 1,000
HEALTHCARE RLTY TR CL A COM 42226K105 565 27,119 SH   DFND   0 0 0
PROLOGIS INC. COM 74340W103 2,762 27,181 SH   SOLE   23,343 0 3,838
MOLSON COORS BEVERAGE CO CL B 60871R209 1,305 27,188 SH   SOLE   0 0 27,188
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,214 27,378 SH   DFND   0 0 0
SANOFI SPONSORED ADR 80105N105 1,041 27,381 SH   SOLE   17,662 0 9,719
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 598 27,448 SH   DFND   0 0 0
BEST BUY INC COM 086516101 1,738 27,453 SH   SOLE   22 0 27,431
DUKE ENERGY CORP NEW COM NEW 26441C204 2,557 27,487 SH   SOLE   6,428 0 21,059
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 1,465 27,506 SH   SOLE   0 0 27,506
AMERICAN EXPRESS CO COM 025816109 3,720 27,574 SH   DFND   27,156 0 418
S&P GLOBAL INC COM 78409V104 8,443 27,651 SH   SOLE   25,053 0 2,598
US BANCORP DEL COM NEW 902973304 1,121 27,780 SH   SOLE   22,457 0 5,323
INVESCO QQQ TR UNIT SER 1 46090E103 7,431 27,806 SH   SOLE   27,213 0 593
MIMEDX GROUP INC COM 602496101 80 27,900 SH   SOLE   5,200 0 22,700
WALGREENS BOOTS ALLIANCE INC COM 931427108 878 27,992 SH   SOLE   425 0 27,567
UNITED PARCEL SERVICE INC CL B 911312106 4,537 28,087 SH   DFND   25,382 0 2,705
LAUDER ESTEE COS INC CL A 518439104 6,093 28,222 SH   DFND   28,081 0 141
ISHARES TR SELECT DIVID ETF 464287168 3,049 28,433 SH   DFND   0 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,562 28,479 SH   SOLE   10,707 0 17,772
ISHARES TR CORE MSCI EAFE 46432F842 1,504 28,546 SH   SOLE   19,309 0 9,237
ISHARES TR US HLTHCARE ETF 464287762 7,269 28,733 SH   SOLE   0 0 28,733
VANECK ETF TRUST BIOTECH ETF 92189F726 4,062 28,853 SH   SOLE   0 0 28,853
LAUDER ESTEE COS INC CL A 518439104 6,245 28,923 SH   SOLE   27,268 0 1,655
AMERICAN ELEC PWR CO INC COM 025537101 2,517 29,114 SH   DFND   28,725 0 389
CARRIER GLOBAL CORPORATION COM 14448C104 1,038 29,179 SH   SOLE   26,997 0 2,182
AON PLC SHS CL A G0403H108 7,852 29,312 SH   DFND   28,505 0 807
BECTON DICKINSON & CO COM 075887109 6,555 29,413 SH   SOLE   24,688 0 4,725
BAKER HUGHES COMPANY CL A 05722G100 623 29,738 SH   SOLE   0 0 29,738
ISHARES TR RUS MD CP GR ETF 464287481 2,336 29,784 SH   DFND   0 0 0
INTERNATIONAL PAPER CO COM 460146103 947 29,833 SH   SOLE   9,750 0 20,083
ABBOTT LABS COM 002824100 2,891 29,882 SH   SOLE   12,411 0 17,471
ISHARES TR ISHARES BIOTECH 464287556 3,500 29,924 SH   DFND   0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 1,740 30,081 SH   OTR   0 0 0
COLGATE PALMOLIVE CO COM 194162103 2,122 30,202 SH   DFND   30,143 0 59
JOHNSON & JOHNSON COM 478160104 4,939 30,234 SH   OTR   29,834 0 400
UNITEDHEALTH GROUP INC COM 91324P102 15,301 30,297 SH   DFND   26,888 0 3,409
ABRDN JAPAN EQUITY FUND INC COM 00306J109 152 30,302 SH   SOLE   0 0 30,302
ISHARES TR MSCI EMG MKT ETF 464287234 1,058 30,341 SH   DFND   0 0 0
BOEING CO COM 097023105 3,684 30,429 SH   DFND   29,653 0 776
SPDR SER TR PORTFLI TIPS ETF 78464A656 778 30,671 SH   SOLE   0 0 30,671
NUCOR CORP COM 670346105 3,283 30,683 SH   SOLE   26,816 0 3,867
STARBUCKS CORP COM 855244109 2,587 30,710 SH   SOLE   22,074 0 8,636
GENERAL MTRS CO COM 37045V100 991 30,858 SH   SOLE   765 0 30,093
ETF MANAGERS TR WEDBUSH VID GAME 26924G706 17 30,969 SH   SOLE   30,969 0 0
FEDEX CORP COM 31428X106 4,618 31,097 SH   SOLE   10,775 0 20,322
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,210 31,148 SH   SOLE   22,224 0 8,924
PAYPAL HLDGS INC COM 70450Y103 2,695 31,296 SH   SOLE   24,528 0 6,768
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,503 31,458 SH   SOLE   58 0 31,400
NIKE INC CL B 654106103 2,614 31,463 SH   SOLE   30,493 0 970
CITIZENS FINL GROUP INC COM 174610105 1,088 31,631 SH   SOLE   21,936 0 9,695
ROCKWELL AUTOMATION INC COM 773903109 6,862 31,898 SH   DFND   31,731 0 167
FLEX LTD ORD Y2573F102 536 32,188 SH   SOLE   0 0 32,188
VENTAS INC COM 92276F100 1,296 32,259 SH   SOLE   0 0 32,259
CHEVRON CORP NEW COM 166764100 4,638 32,284 SH   OTR   31,984 0 300
TEGNA INC COM 87901J105 671 32,425 SH   SOLE   0 0 32,425
CANADIAN PAC RY LTD COM 13645T100 2,181 32,682 SH   SOLE   1,075 0 31,607
PEPSICO INC COM 713448108 5,346 32,746 SH   OTR   30,246 0 2,500
EXELON CORP COM 30161N101 1,228 32,774 SH   SOLE   162 0 32,612
ARROW ELECTRS INC COM 042735100 3,032 32,886 SH   DFND   32,317 0 569
VANGUARD INDEX FDS SML CP GRW ETF 922908595 6,431 32,960 SH   DFND   0 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 3,137 33,058 SH   DFND   0 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 872 33,720 SH   SOLE   0 0 33,720
PARAMOUNT GLOBAL 5.75% CONV PFD A 92556H305 1,042 33,725 SH   SOLE   33,725 0 0
BAUSCH HEALTH COS INC COM 071734107 234 33,910 SH   SOLE   0 0 33,910
LI-CYCLE HOLDINGS CORP COMMON SHARES 50202P105 181 34,000 SH   SOLE   34,000 0 0
MCCORMICK & CO INC COM NON VTG 579780206 2,425 34,025 SH   DFND   33,600 0 425
ISHARES TR RUS MDCP VAL ETF 464287473 3,283 34,181 SH   DFND   0 0 0
3M CO COM 88579Y101 3,802 34,414 SH   SOLE   3,516 0 30,898
MEXICO FD INC COM 592835102 451 34,579 SH   SOLE   0 0 34,579
ANALOG DEVICES INC COM 032654105 4,824 34,623 SH   DFND   32,192 0 2,431
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,311 34,783 SH   SOLE   13,933 0 20,920
GILEAD SCIENCES INC COM 375558103 2,160 35,002 SH   SOLE   11,630 0 23,372
CHUBB LIMITED COM H1467J104 6,372 35,033 SH   SOLE   24,250 0 10,783
CHECK POINT SOFTWARE TECH LT ORD M22465104 3,925 35,035 SH   DFND   34,630 0 405
UNITED PARCEL SERVICE INC CL B 911312106 5,756 35,629 SH   SOLE   1,610 0 34,019
INFOSYS LTD SPONSORED ADR 456788108 616 36,289 SH   DFND   35,440 0 849
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,062 36,730 SH   SOLE   0 0 36,730
DXC TECHNOLOGY CO COM 23355L106 907 37,038 SH   SOLE   0 0 37,038
WARNER BROS DISCOVERY INC COM SER A 934423104 426 37,046 SH   DFND   36,878 0 168
WELLTOWER INC COM 95040Q104 2,390 37,155 SH   SOLE   32,145 0 5,010
ABBVIE INC COM 00287Y109 5,010 37,343 SH   SOLE   16,220 0 21,123
ISHARES TR RUS MID CAP ETF 464287499 2,341 37,671 SH   DFND   0 0 0
INTEL CORP COM 458140100 978 37,945 SH   OTR   37,055 890 0
GENERAL DYNAMICS CORP COM 369550108 8,067 38,018 SH   SOLE   23,263 0 14,755
GENERAL ELECTRIC CO COM NEW 369604301 2,364 38,188 SH   SOLE   5,688 0 32,500
PROCTER AND GAMBLE CO COM 742718109 4,947 39,184 SH   OTR   37,034 360 1,790
REALTY INCOME CORP COM 756109104 2,288 39,327 SH   SOLE   33,430 0 5,898
FLEETCOR TECHNOLOGIES INC COM 339041105 6,931 39,343 SH   SOLE   39,343 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,928 39,412 SH   SOLE   0 0 39,412
FEDEX CORP COM 31428X106 5,856 39,442 SH   DFND   39,090 0 352
BLACKSTONE INC COM 09260D107 3,306 39,503 SH   DFND   39,284 0 219
AMERICAN INTL GROUP INC COM NEW 026874784 1,879 39,568 SH   SOLE   673 0 38,895
HALLIBURTON CO COM 406216101 982 39,854 SH   SOLE   248 0 39,606
CATERPILLAR INC COM 149123101 6,542 39,870 SH   DFND   37,541 0 2,329
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,540 40,734 SH   SOLE   38,916 0 2,027
MCDONALDS CORP COM 580135101 9,410 40,780 SH   SOLE   3,907 0 37,008
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 1,939 40,798 SH   SOLE   34,815 0 5,983
SPDR GOLD TR GOLD SHS 78463V107 6,389 41,311 SH   SOLE   8,262 0 33,049
JPMORGAN CHASE & CO COM 46625H100 4,324 41,374 SH   OTR   40,374 0 1,000
UNITEDHEALTH GROUP INC COM 91324P102 20,929 41,440 SH   SOLE   20,416 0 21,024
AFLAC INC COM 001055102 2,336 41,576 SH   SOLE   1,660 0 39,916
CROWN CASTLE INC COM 22822V101 6,032 41,728 SH   DFND   0 0 0
QUALCOMM INC COM 747525103 4,717 41,753 SH   SOLE   24,103 0 17,650
AMBEV SA SPONSORED ADR 02319V103 120 42,409 SH   DFND   0 0 42,409
CORNING INC COM 219350105 1,240 42,725 SH   OTR   42,725 0 0
CARNIVAL PLC ADR 14365C103 265 42,808 SH   SOLE   0 0 42,808
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,102 42,940 SH   SOLE   0 0 42,940
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,575 43,165 SH   OTR   0 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 22,007 43,390 SH   SOLE   40,328 0 3,062
SCHWAB CHARLES CORP COM 808513105 3,157 43,940 SH   SOLE   32,760 0 11,180
VERIZON COMMUNICATIONS INC COM 92343V104 1,670 43,977 SH   OTR   40,337 410 3,230
ALLSTATE CORP COM 020002101 5,486 44,054 SH   DFND   42,693 0 1,361
CONOCOPHILLIPS COM 20825C104 4,509 44,061 SH   SOLE   1,947 0 42,510
DROPBOX INC CL A 26210C104 922 44,500 SH   SOLE   44,500 0 0
AMBEV SA SPONSORED ADR 02319V103 127 44,725 SH   SOLE   0 0 44,725
BRISTOL-MYERS SQUIBB CO COM 110122108 3,182 44,759 SH   OTR   44,509 0 250
ECOLAB INC COM 278865100 6,468 44,782 SH   SOLE   42,461 0 2,321
UNILEVER PLC SPON ADR NEW 904767704 1,971 44,958 SH   SOLE   15,905 0 29,053
CISCO SYS INC COM 17275R102 1,801 45,032 SH   OTR   43,579 310 1,143
KELLOGG CO COM 487836108 3,140 45,078 SH   DFND   44,199 275 604
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,004 45,100 SH   SOLE   0 0 45,100
TYSON FOODS INC CL A 902494103 2,988 45,326 SH   SOLE   112 0 45,214
BOEING CO COM 097023105 5,505 45,464 SH   SOLE   2,858 0 42,606
ISHARES TR ISHARES BIOTECH 464287556 5,346 45,698 SH   SOLE   23,928 0 21,770
DUPONT DE NEMOURS INC COM 26614N102 2,309 45,818 SH   SOLE   16,421 0 29,397
AUTOMATIC DATA PROCESSING IN COM 053015103 10,398 45,971 SH   SOLE   41,144 0 4,827
STERIS PLC SHS USD G8473T100 7,713 46,385 SH   SOLE   44,985 0 1,400
ROYCE MICRO-CAP TR INC COM 780915104 369 46,530 SH   SOLE   0 0 46,530
CUMMINS INC COM 231021106 9,506 46,708 SH   DFND   46,456 0 252
GENERAL MLS INC COM 370334104 3,613 47,158 SH   DFND   46,378 0 780
ISHARES TR IBOXX INV CP ETF 464287242 4,833 47,186 SH   SOLE   971 0 46,215
APPLE INC COM 037833100 6,558 47,454 SH   OTR   46,854 0 600
ISHARES TR CORE S&P SCP ETF 464287804 4,209 48,272 SH   DFND   0 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 4,005 48,624 SH   SOLE   20,326 0 28,298
MANULIFE FINL CORP COM 56501R106 765 48,791 SH   SOLE   0 0 48,791
STAG INDL INC COM 85254J102 1,388 48,832 SH   SOLE   42,273 0 6,559
NIKE INC CL B 654106103 4,101 49,336 SH   DFND   45,441 0 3,895
FIRST INDL RLTY TR INC COM 32054K103 2,219 49,511 SH   SOLE   42,064 0 7,447
FIRSTENERGY CORP COM 337932107 1,834 49,589 SH   SOLE   1,571 0 48,018
KRAFT HEINZ CO COM 500754106 1,658 49,716 SH   SOLE   1,483 0 48,233
CVS HEALTH CORP COM 126650100 4,767 49,988 SH   SOLE   5,800 0 44,188
CSX CORP COM 126408103 1,332 50,000 SH   OTR   50,000 0 0
META PLATFORMS INC CL A 30303M102 6,873 50,656 SH   DFND   44,637 0 6,019
AIR PRODS & CHEMS INC COM 009158106 11,813 50,761 SH   SOLE   40,803 0 9,958
INGERSOLL RAND INC COM 45687V106 2,218 51,264 SH   DFND   51,264 0 0
NEW IRELAND FD INC COM 645673104 337 51,280 SH   SOLE   0 0 51,280
NOVARTIS AG SPONSORED ADR 66987V109 3,905 51,380 SH   SOLE   38,930 0 12,450
COMCAST CORP NEW CL A 20030N101 1,515 51,662 SH   DFND   47,719 0 3,943
LAKELAND BANCORP INC COM 511637100 828 51,706 SH   SOLE   51,706 0 0
MEDTRONIC PLC SHS G5960L103 4,181 51,767 SH   SOLE   45,746 0 6,021
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 13,454 52,289 SH   SOLE   49,483 0 2,806
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 618 52,637 SH   DFND   0 0 0
EMERSON ELEC CO COM 291011104 3,855 52,648 SH   DFND   51,779 0 869
IRON MTN INC DEL COM 46284V101 2,317 52,685 SH   SOLE   46,724 0 5,961
EDWARDS LIFESCIENCES CORP COM 28176E108 4,382 53,032 SH   DFND   52,932 0 100
GABELLI MULTIMEDIA TR INC COM 36239Q109 332 53,202 SH   SOLE   0 0 53,202
PARAMOUNT GLOBAL CLASS B COM 92556H206 1,019 53,510 SH   DFND   42,539 9,240 1,731
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 3,012 53,559 SH   SOLE   9,745 0 44,428
WELLS FARGO CO NEW COM 949746101 2,156 53,606 SH   SOLE   800 0 52,806
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 193 53,835 SH   SOLE   0 0 53,835
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,798 54,380 SH   DFND   0 0 0
BLACKROCK INC COM 09247X101 30,012 54,539 SH   DFND   54,011 0 528
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 14,569 54,561 SH   SOLE   7,372 0 47,189
ISHARES TR RUS 2000 VAL ETF 464287630 7,126 55,266 SH   SOLE   52,490 0 2,777
PNC FINL SVCS GROUP INC COM 693475105 8,442 56,491 SH   SOLE   47,897 0 8,594
SHELL PLC SPON ADS 780259305 2,812 56,510 SH   SOLE   12,846 0 44,125
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,268 56,624 SH   SOLE   54,441 0 3,094
CONAGRA BRANDS INC COM 205887102 1,852 56,774 SH   SOLE   45,987 0 10,787
MONDELEZ INTL INC CL A 609207105 3,163 57,701 SH   SOLE   32,853 0 24,848
DOLLAR GEN CORP NEW COM 256677105 13,984 58,300 SH   DFND   55,901 0 2,399
BLACKROCK CR ALLOCATION INCO COM 092508100 560 58,742 SH   SOLE   0 0 58,742
WALMART INC COM 931142103 7,626 58,808 SH   SOLE   10,116 0 48,692
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 2,960 58,855 SH   SOLE   58,855 0 0
AMERICAN TOWER CORP NEW COM 03027X100 12,639 58,865 SH   SOLE   54,757 0 4,108
KROGER CO COM 501044101 2,579 58,942 SH   SOLE   200 0 58,742
OTIS WORLDWIDE CORP COM 68902V107 3,781 59,270 SH   DFND   51,490 0 7,780
TEXAS INSTRS INC COM 882508104 9,189 59,365 SH   DFND   56,391 0 2,974
EXXON MOBIL CORP COM 30231G102 5,196 59,508 SH   OTR   59,507 0 1
AMERICAN WTR WKS CO INC NEW COM 030420103 7,823 60,102 SH   SOLE   48,164 0 11,938
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 255 60,187 SH   SOLE   4,000 0 56,187
MERCK & CO INC COM 58933Y105 5,190 60,259 SH   OTR   60,259 0 0
HONEYWELL INTL INC COM 438516106 10,137 60,712 SH   DFND   57,908 0 2,804
ABRDN EMRG MKTS EQTY INCM FD COM 00301W105 278 60,778 SH   SOLE   0 0 60,778
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,787 60,988 SH   SOLE   2,547 0 58,441
DOLLAR GEN CORP NEW COM 256677105 14,633 61,009 SH   SOLE   56,298 0 4,711
NUCOR CORP COM 670346105 6,570 61,412 SH   DFND   60,726 0 686
DOMINION ENERGY INC COM 25746U109 4,265 61,709 SH   DFND   60,261 0 1,448
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 24,837 61,835 SH   DFND   0 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 9,004 62,175 SH   DFND   62,171 0 4
SPDR SER TR S&P DIVID ETF 78464A763 6,948 62,310 SH   DFND   0 0 0
PARAMOUNT GLOBAL CLASS B COM 92556H206 1,188 62,343 SH   SOLE   827 0 61,516
DANAHER CORPORATION COM 235851102 16,111 62,377 SH   DFND   61,793 0 584
METLIFE INC COM 59156R108 3,809 62,657 SH   SOLE   20,688 0 41,969
MICROCHIP TECHNOLOGY INC. COM 595017104 3,829 62,733 SH   DFND   55,262 0 7,471
VIATRIS INC COM 92556V106 537 63,005 SH   SOLE   3,817 0 59,188
CHURCH & DWIGHT CO INC COM 171340102 4,572 63,998 SH   SOLE   59,552 0 4,446
STRYKER CORPORATION COM 863667101 12,964 64,005 SH   DFND   62,487 0 1,518
BECTON DICKINSON & CO COM 075887109 14,276 64,065 SH   DFND   63,346 0 719
TJX COS INC NEW COM 872540109 3,990 64,243 SH   SOLE   62,144 0 2,099
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 2,311 64,380 SH   SOLE   64,380 0 0
FISERV INC COM 337738108 6,082 65,004 SH   DFND   64,099 0 905
EMERSON ELEC CO COM 291011104 4,763 65,060 SH   SOLE   39,170 0 25,890
INTERNATIONAL BUSINESS MACHS COM 459200101 7,783 65,497 SH   SOLE   31,464 0 34,033
INTERNATIONAL BUSINESS MACHS COM 459200101 7,785 65,523 SH   DFND   64,366 128 1,029
DUPONT DE NEMOURS INC COM 26614N102 3,334 66,151 SH   DFND   62,807 0 3,344
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 1,238 66,200 SH   SOLE   0 0 66,200
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,819 66,568 SH   SOLE   59,380 0 7,536
ISHARES TR CORE US AGGBD ET 464287226 6,476 67,217 SH   SOLE   1,652 0 65,565
LILLY ELI & CO COM 532457108 21,893 67,708 SH   DFND   66,286 0 1,422
BP PLC SPONSORED ADR 055622104 1,938 67,875 SH   SOLE   410 0 67,465
VISA INC COM CL A 92826C839 12,174 68,527 SH   DFND   64,112 0 4,415
DANAHER CORPORATION COM 235851102 17,706 68,550 SH   SOLE   63,486 0 5,064
FIRST REP BK SAN FRANCISCO C COM 33616C100 8,954 68,583 SH   DFND   68,575 0 8
PHILIP MORRIS INTL INC COM 718172109 5,801 69,879 SH   DFND   66,292 0 3,587
TE CONNECTIVITY LTD SHS H84989104 7,793 70,610 SH   DFND   70,053 0 557
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 1,168 70,922 SH   SOLE   0 0 70,922
BARRICK GOLD CORP COM 067901108 1,100 70,990 SH   SOLE   2,000 0 68,990
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,615 71,915 SH   DFND   0 0 0
CORPORATE OFFICE PPTYS TR SH BEN INT 22002T108 1,673 72,019 SH   SOLE   64,053 0 7,966
ZOETIS INC CL A 98978V103 10,734 72,388 SH   SOLE   68,646 0 3,742
UMH PPTYS INC COM 903002103 1,178 72,951 SH   DFND   0 0 0
META PLATFORMS INC CL A 30303M102 9,906 73,019 SH   SOLE   14,529 0 58,490
COSTCO WHSL CORP NEW COM 22160K105 34,649 73,366 SH   DFND   72,575 0 791
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,680 73,416 SH   SOLE   31,083 0 42,333
ENTERPRISE PRODS PARTNERS L COM 293792107 1,755 73,814 SH   SOLE   45,929 0 27,885
GENUINE PARTS CO COM 372460105 11,044 73,964 SH   DFND   73,197 0 767
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 5,065 74,473 SH   SOLE   1,690 0 72,783
HONEYWELL INTL INC COM 438516106 12,474 74,703 SH   SOLE   32,922 0 41,781
AMGEN INC COM 031162100 17,319 76,838 SH   DFND   74,286 0 2,552
CORECIVIC INC COM 21871N101 683 77,265 SH   SOLE   0 0 77,265
DOW INC COM 260557103 3,404 77,484 SH   DFND   75,308 0 2,176
FORD MTR CO DEL COM 345370860 871 77,697 SH   SOLE   46,379 0 31,318
HALEON PLC SPON ADS 405552100 474 77,780 SH   SOLE   71,955 0 5,825
AIR PRODS & CHEMS INC COM 009158106 18,102 77,781 SH   DFND   77,070 0 711
UNION PAC CORP COM 907818108 15,191 77,972 SH   SOLE   48,789 0 29,182
HOME DEPOT INC COM 437076102 21,537 78,049 SH   SOLE   27,785 0 50,264
DOW INC COM 260557103 3,485 79,345 SH   SOLE   43,124 0 36,221
INTERPUBLIC GROUP COS INC COM 460690100 2,032 79,397 SH   SOLE   71,988 0 7,409
ALLSPRING MULTI SECTOR INCOM COM 94987D101 693 80,350 SH   SOLE   0 0 80,350
VICI PPTYS INC COM 925652109 2,406 80,596 SH   SOLE   70,180 0 10,416
VALE S A SPONSORED ADS 91912E105 1,077 80,824 SH   SOLE   0 0 80,824
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 657 81,353 SH   SOLE   10,100 0 71,253
VANGUARD WORLD FDS INF TECH ETF 92204A702 25,255 82,166 SH   SOLE   18,792 0 63,374
MCDONALDS CORP COM 580135101 19,086 82,717 SH   DFND   81,122 0 1,595
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 4,163 82,991 SH   SOLE   78,420 0 4,571
WALMART INC COM 931142103 10,954 84,456 SH   DFND   82,962 0 1,494
ABBOTT LABS COM 002824100 8,265 85,420 SH   DFND   78,492 0 6,928
ISHARES TR S&P 500 VAL ETF 464287408 11,181 86,996 SH   DFND   0 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 5,738 87,588 SH   SOLE   12,705 0 74,883
MFS CHARTER INCOME TR SH BEN INT 552727109 528 88,797 SH   SOLE   0 0 88,797
CITIGROUP INC COM NEW 172967424 3,775 90,583 SH   SOLE   21,170 0 69,413
AVERY DENNISON CORP COM 053611109 14,743 90,614 SH   DFND   89,835 0 779
DISNEY WALT CO COM 254687106 8,553 90,662 SH   SOLE   17,061 0 73,601
TERMINIX GLOBAL HOLDINGS INC COM 88087E100 3,474 90,720 SH   SOLE   81,345 0 9,375
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,693 91,088 SH   SOLE   7,257 0 83,831
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 1,032 91,120 SH   SOLE   6,445 0 84,675
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,383 91,123 SH   SOLE   376 0 90,747
DEVON ENERGY CORP NEW COM 25179M103 5,562 92,505 SH   DFND   84,899 0 7,606
SCHLUMBERGER LTD COM STK 806857108 3,350 93,322 SH   DFND   90,034 0 3,288
PEPSICO INC COM 713448108 15,296 93,696 SH   SOLE   45,681 0 48,015
GENERAL DYNAMICS CORP COM 369550108 19,934 93,954 SH   DFND   93,209 0 745
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,418 94,009 SH   SOLE   89,257 0 4,752
HP INC COM 40434L105 2,345 94,147 SH   SOLE   16 0 94,131
SPDR S&P 500 ETF TR TR UNIT 78462F103 33,628 94,148 SH   DFND   0 0 0
CITIZENS FINL GROUP INC COM 174610105 3,244 94,422 SH   DFND   92,409 0 2,013
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,202 94,714 SH   SOLE   2,745 0 91,969
INTEL CORP COM 458140100 2,444 94,844 SH   SOLE   6,646 0 88,198
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,935 96,274 SH   SOLE   91,524 0 4,750
ISHARES TR MSCI EAFE ETF 464287465 5,448 97,274 SH   DFND   0 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 12,388 97,332 SH   DFND   0 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 4,907 97,834 SH   OTR   0 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 20,301 99,123 SH   DFND   98,742 0 381
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 22,649 101,245 SH   DFND   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 36,322 101,691 SH   SOLE   14,875 0 86,816
ORACLE CORP COM 68389X105 6,242 102,219 SH   SOLE   83,119 0 19,100
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 12,308 103,624 SH   SOLE   15,275 0 88,349
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1,246 104,023 SH   SOLE   16 0 104,007
APPLIED MATLS INC COM 038222105 8,597 104,929 SH   DFND   103,259 0 1,670
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 12,818 105,267 SH   SOLE   98,267 0 7,000
ALTRIA GROUP INC COM 02209S103 4,293 106,300 SH   SOLE   11,156 0 95,144
WARNER BROS DISCOVERY INC COM SER A 934423104 1,236 107,594 SH   SOLE   4,886 0 102,708
WILLIAMS COS INC COM 969457100 3,091 107,960 SH   SOLE   87,870 0 20,090
TELEFONICA S A SPONSORED ADR 879382208 352 108,777 SH   SOLE   0 0 108,777
VICI PPTYS INC COM 925652109 3,274 109,681 SH   DFND   0 0 0
APPLIED MATLS INC COM 038222105 8,998 109,824 SH   SOLE   66,967 0 42,857
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,794 111,061 SH   SOLE   101 0 110,960
STARBUCKS CORP COM 855244109 9,460 112,273 SH   DFND   110,985 0 1,288
RAYTHEON TECHNOLOGIES CORP COM 75513E101 9,221 112,655 SH   SOLE   36,331 0 76,324
PROCTER AND GAMBLE CO COM 742718109 14,572 115,413 SH   SOLE   33,825 0 81,588
PEAPACK-GLADSTONE FINL CORP COM 704699107 3,924 116,627 SH   OTR   102,767 0 13,860
LOWES COS INC COM 548661107 21,998 117,128 SH   DFND   114,110 0 3,018
HOME DEPOT INC COM 437076102 32,694 118,482 SH   DFND   116,471 0 2,011
COCA COLA CO COM 191216100 6,657 118,827 SH   DFND   107,733 0 11,094
NATIONAL BEVERAGE CORP COM 635017106 4,625 120,000 SH   DFND   120,000 0 0
ISHARES TR U.S. MED DVC ETF 464288810 5,669 120,165 SH   SOLE   73,642 0 46,523
CARRIER GLOBAL CORPORATION COM 14448C104 4,298 120,853 SH   DFND   106,390 0 14,463
ISHARES TR ISHS 1-5YR INVS 464288646 5,963 120,999 SH   SOLE   118,873 0 2,126
3M CO COM 88579Y101 13,611 123,179 SH   DFND   123,013 0 166
AUTOMATIC DATA PROCESSING IN COM 053015103 28,279 125,022 SH   DFND   122,822 0 2,200
ISHARES TR S&P 500 GRWT ETF 464287309 7,421 128,279 SH   DFND   0 0 0
CHEVRON CORP NEW COM 166764100 18,476 128,603 SH   SOLE   44,109 0 84,494
WASTE MGMT INC DEL COM 94106L109 21,056 131,425 SH   DFND   130,812 0 613
SELECT SECTOR SPDR TR ENERGY 81369Y506 9,612 133,450 SH   SOLE   19,440 0 114,010
MORGAN STANLEY COM NEW 617446448 10,546 133,481 SH   DFND   129,236 0 4,245
AES CORP COM 00130H105 3,029 134,048 SH   SOLE   26,150 0 107,898
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 7,633 135,741 SH   DFND   132,483 0 3,258
NEXTERA ENERGY INC COM 65339F101 10,669 136,064 SH   SOLE   109,526 0 26,538
PACKAGING CORP AMER COM 695156109 15,296 136,220 SH   DFND   136,213 0 7
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 36,532 136,814 SH   DFND   134,635 0 2,179
CBRE GBL REAL ESTATE INC FD COM 12504G100 831 143,978 SH   SOLE   0 0 143,978
ISHARES TR TIPS BD ETF 464287176 15,268 145,550 SH   SOLE   49,920 0 97,325
ABBVIE INC COM 00287Y109 19,567 145,797 SH   DFND   143,646 0 2,151
US BANCORP DEL COM NEW 902973304 5,943 147,407 SH   DFND   134,101 0 13,306
PNC FINL SVCS GROUP INC COM 693475105 22,110 147,970 SH   DFND   147,038 0 932
VISA INC COM CL A 92826C839 26,429 148,768 SH   SOLE   82,977 0 65,791
CSX CORP COM 126408103 3,980 149,351 SH   SOLE   13,250 0 136,101
PG&E CORP COM 69331C108 1,894 151,513 SH   SOLE   629 0 150,884
SELECT SECTOR SPDR TR ENERGY 81369Y506 11,096 154,062 SH   DFND   0 0 0
CISCO SYS INC COM 17275R102 6,179 154,466 SH   SOLE   39,737 0 114,729
FORD MTR CO DEL COM 345370860 1,740 155,319 SH   DFND   153,934 0 1,385
RAYTHEON TECHNOLOGIES CORP COM 75513E101 12,781 156,133 SH   DFND   141,184 0 14,949
ISHARES TR BLACKROCK ULTRA 46434V878 7,933 158,628 SH   SOLE   0 0 158,628
BRISTOL-MYERS SQUIBB CO COM 110122108 11,421 160,652 SH   SOLE   103,782 0 56,870
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 7,782 162,492 SH   SOLE   1,764 0 160,728
SCHLUMBERGER LTD COM STK 806857108 5,945 165,616 SH   SOLE   62,034 0 103,582
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,862 166,283 SH   SOLE   27,919 0 138,643
SYSCO CORP COM 871829107 11,795 166,806 SH   DFND   159,932 0 6,874
QUALCOMM INC COM 747525103 18,941 167,646 SH   DFND   165,760 0 1,886
WESTERN AST INFL LKD OPP & I COM 95766R104 1,554 171,285 SH   SOLE   0 0 171,285
HANESBRANDS INC COM 410345102 1,196 171,790 SH   SOLE   0 0 171,790
AT&T INC COM 00206R102 2,681 174,800 SH   DFND   173,698 0 1,102
V F CORP COM 918204108 5,234 174,986 SH   DFND   174,832 0 154
ALLEGHANY CORP MD COM 017175100 149,173 177,720 SH   DFND   177,720 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 12,044 180,483 SH   SOLE   38,513 0 141,970
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 14,682 183,138 SH   DFND   0 0 0
PROCTER AND GAMBLE CO COM 742718109 23,170 183,527 SH   DFND   180,002 0 3,525
VANGUARD BD INDEX FDS INTERMED TERM 921937819 13,593 184,985 SH   DFND   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 60,968 185,707 SH   DFND   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 22,819 188,417 SH   SOLE   22,609 0 165,808
ALPHABET INC CAP STK CL C 02079K107 18,186 189,135 SH   SOLE   84,675 0 104,460
UNION PAC CORP COM 907818108 37,696 193,493 SH   DFND   191,013 0 2,480
ISHARES INC CORE MSCI EMKT 46434G103 8,332 193,860 SH   SOLE   161,241 0 32,619
KEYCORP COM 493267108 3,111 194,210 SH   DFND   191,835 0 2,375
PAYPAL HLDGS INC COM 70450Y103 16,790 195,070 SH   DFND   186,737 0 8,333
AT&T INC COM 00206R102 3,016 196,599 SH   SOLE   27,552 0 169,047
EXXON MOBIL CORP COM 30231G102 17,168 196,645 SH   SOLE   23,575 0 173,070
JOHNSON & JOHNSON COM 478160104 32,155 196,837 SH   SOLE   98,410 0 98,803
DISNEY WALT CO COM 254687106 18,692 198,154 SH   DFND   194,368 0 3,786
AMAZON COM INC COM 023135106 22,556 199,608 SH   DFND   180,645 0 18,963
VANGUARD INDEX FDS MID CAP ETF 922908629 37,617 200,114 SH   DFND   0 0 0
COCA COLA CO COM 191216100 11,328 202,211 SH   SOLE   87,307 0 114,904
ORACLE CORP COM 68389X105 12,654 207,211 SH   DFND   205,209 0 2,002
ISHARES TR PFD AND INCM SEC 464288687 6,639 209,633 SH   DFND   0 0 0
ALPHABET INC CAP STK CL A 02079K305 20,411 213,394 SH   SOLE   138,082 0 75,312
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 30,973 217,435 SH   SOLE   57,173 0 160,262
INTERNATIONAL PAPER CO COM 460146103 6,937 218,819 SH   DFND   217,747 0 1,072
CHEVRON CORP NEW COM 166764100 31,460 218,974 SH   DFND   215,180 0 3,794
AMAZON COM INC COM 023135106 25,155 222,615 SH   SOLE   53,555 0 169,060
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 11,177 222,825 SH   DFND   0 0 0
BLOOM ENERGY CORP COM CL A 093712107 4,561 228,205 SH   SOLE   212,277 0 15,928
ISHARES TR RUSSELL 2000 ETF 464287655 37,666 228,387 SH   SOLE   218,668 0 13,574
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 18,944 228,670 SH   SOLE   42,595 0 186,075
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,121 228,830 SH   SOLE   18,197 0 210,771
JPMORGAN CHASE & CO COM 46625H100 25,057 239,779 SH   SOLE   122,764 0 117,015
INVESCO QQQ TR UNIT SER 1 46090E103 64,144 240,005 SH   DFND   0 0 0
ASA GOLD AND PRECIOUS MTLS L SHS G3156P103 3,014 240,564 SH   SOLE   0 0 240,564
CVS HEALTH CORP COM 126650100 22,943 240,573 SH   DFND   232,517 0 8,056
MERCK & CO INC COM 58933Y105 20,762 241,080 SH   SOLE   150,398 0 91,354
PFIZER INC COM 717081103 11,099 253,596 SH   SOLE   83,283 0 170,313
ISHARES TR FLTG RATE NT ETF 46429B655 12,791 254,437 SH   SOLE   0 0 254,437
PEPSICO INC COM 713448108 41,731 255,611 SH   DFND   252,121 0 3,490
MICROSOFT CORP COM 594918104 60,090 258,017 SH   SOLE   121,953 0 136,064
INTERPUBLIC GROUP COS INC COM 460690100 6,617 258,476 SH   DFND   255,176 0 3,300
MICROSOFT CORP COM 594918104 60,674 260,514 SH   DFND   248,686 0 11,828
COMCAST CORP NEW CL A 20030N101 7,721 263,205 SH   SOLE   179,318 0 83,887
JOHNSON & JOHNSON COM 478160104 43,722 267,643 SH   DFND   260,005 0 7,638
CANNAE HLDGS INC COM 13765N107 5,557 268,965 SH   DFND   268,965 0 0
SCHWAB CHARLES CORP COM 808513105 19,750 274,796 SH   DFND   271,605 0 3,191
TRUIST FINL CORP COM 89832Q109 11,999 275,588 SH   DFND   271,935 0 3,653
PFIZER INC COM 717081103 13,019 297,512 SH   DFND   282,015 0 15,497
VERIZON COMMUNICATIONS INC COM 92343V104 11,312 297,950 SH   SOLE   50,039 0 248,039
ISHARES TR 1 3 YR TREAS BD 464287457 24,686 303,976 SH   SOLE   20,566 0 283,410
VANGUARD INDEX FDS SMALL CP ETF 922908751 53,888 315,298 SH   DFND   0 0 0
PEAPACK-GLADSTONE FINL CORP COM 704699107 10,694 317,797 SH   SOLE   150,695 0 167,102
BK OF AMERICA CORP COM 060505104 9,870 326,831 SH   DFND   318,898 0 7,933
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 32,548 329,241 SH   SOLE   192,468 0 136,773
ALPHABET INC CAP STK CL C 02079K107 34,590 359,746 SH   DFND   345,640 0 14,106
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 27,293 364,784 SH   DFND   0 0 0
NEXTERA ENERGY INC COM 65339F101 29,300 373,675 SH   DFND   371,642 0 2,033
JPMORGAN CHASE & CO COM 46625H100 40,700 389,478 SH   DFND   379,648 0 9,830
BK OF AMERICA CORP COM 060505104 11,931 395,075 SH   SOLE   185,090 0 209,985
TJX COS INC NEW COM 872540109 24,927 401,278 SH   DFND   398,561 0 2,717
BLACK KNIGHT INC COM 09215C105 26,712 412,672 SH   DFND   412,672 0 0
INTEL CORP COM 458140100 10,788 418,641 SH   DFND   414,525 300 3,816
VERIZON COMMUNICATIONS INC COM 92343V104 15,931 419,570 SH   DFND   418,671 0 899
BRISTOL-MYERS SQUIBB CO COM 110122108 30,449 428,311 SH   DFND   418,328 0 9,983
MERCK & CO INC COM 58933Y105 38,013 441,399 SH   DFND   436,968 0 4,431
CISCO SYS INC COM 17275R102 19,078 476,946 SH   DFND   470,715 0 6,231
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,431 513,030 SH   SOLE   463,437 0 51,063
EXXON MOBIL CORP COM 30231G102 45,385 519,809 SH   DFND   499,396 0 20,413
PEAPACK-GLADSTONE FINL CORP COM 704699107 17,695 525,843 SH   DFND   475,879 0 49,964
ALPHABET INC CAP STK CL A 02079K305 54,749 572,389 SH   DFND   564,711 0 7,678
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 19,618 646,185 SH   SOLE   94,660 0 551,525
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 32,881 712,478 SH   DFND   0 0 0
APPLE INC COM 037833100 100,081 724,182 SH   SOLE   298,367 0 425,815
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 28,709 786,776 SH   DFND   0 0 0
APPLE INC COM 037833100 135,940 983,650 SH   DFND   970,327 0 13,323
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 43,475 1,200,956 SH   DFND   1,200,830 0 126