# EDGAR Filing Document

**Accession Number:** 0001008937
**File Stem:** 0001008937-23-000001
**Filing Date:** 2023-1
**Character Count:** 29047
**Document Hash:** b7a99b7f54088e2326e1a07d95f3bf3b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001008937-23-000001.hdr.sgml**: 20230105

**ACCESSION NUMBER**: 0001008937-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230105

**DATE AS OF CHANGE**: 20230105

**EFFECTIVENESS DATE**: 20230105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** TRUST CO OF TOLEDO NA /OH/
- **CENTRAL INDEX KEY:** 0001008937
- **IRS NUMBER:** 341661757
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-05302
- **FILM NUMBER:** 23509827

**BUSINESS ADDRESS:**
- **STREET 1:** 1630 TIMBERWOLF DR
- **CITY:** HOLLAND
- **STATE:** OH
- **ZIP:** 43528
- **BUSINESS PHONE:** 4194910969

**MAIL ADDRESS:**
- **STREET 1:** 1630 TIMBERWOLF DR
- **CITY:** HOLLAND
- **STATE:** OH
- **ZIP:** 43528

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** TRUST CO OF TOLEDO NA /OH/<br>**Address:** 1630 TIMBERWOLF DR<br>HOLLAND, OH 43528

**Form 13F File Number:** 028-05302

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Chad Beaty<br>**Title:** Principal<br>**Phone:** 4194910969

**Signature, Place, and Date of Signing:**

Chad Beaty  Holland, OH  01-05-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 187

**Form 13F Information Table Value Total:** $529662

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AT Inc | Com | 00206R102 |  | 1384 | 75168 | SH |  | SOLE | 0 | 75096 | 0 | 72 |
| AT Inc | Com | 00206R102 |  | 1 | 40 | SH |  | DFND | 0 | 40 | 0 | 0 |
| Abbott Laboratories | Com | 002824100 |  | 8413 | 76628 | SH |  | SOLE | 0 | 72142 | 0 | 4486 |
| Abbott Laboratories | Com | 002824100 |  | 113 | 1031 | SH |  | DFND | 0 | 1031 | 0 | 0 |
| AbbVie Inc | Com | 00287Y109 |  | 6598 | 40825 | SH |  | SOLE | 0 | 40634 | 0 | 191 |
| AbbVie Inc | Com | 00287Y109 |  | 190 | 1173 | SH |  | DFND | 0 | 1173 | 0 | 0 |
| Aberdeen Std Gold ETF | Com | 00326A104 |  | 445 | 25465 | SH |  | SOLE | 0 | 25465 | 0 | 0 |
| Adobe Systems Inc | Com | 00724F101 |  | 653 | 1941 | SH |  | SOLE | 0 | 1941 | 0 | 0 |
| Advanced Micro Devices Inc | Com | 007903107 |  | 2650 | 40921 | SH |  | SOLE | 0 | 40855 | 0 | 66 |
| Advanced Micro Devices Inc | Com | 007903107 |  | 73 | 1124 | SH |  | DFND | 0 | 1124 | 0 | 0 |
| Agilent Technologies Inc | Com | 00846U101 |  | 270 | 1802 | SH |  | SOLE | 0 | 1802 | 0 | 0 |
| Air Products  Chemicals Inc | Com | 009158106 |  | 3198 | 10374 | SH |  | SOLE | 0 | 10356 | 0 | 18 |
| Air Products  Chemicals Inc | Com | 009158106 |  | 3 | 10 | SH |  | DFND | 0 | 10 | 0 | 0 |
| Allstate Corp | Com | 020002101 |  | 869 | 6408 | SH |  | SOLE | 0 | 6408 | 0 | 0 |
| Alphabet Inc-C | Com | 02079K107 |  | 1644 | 18526 | SH |  | SOLE | 0 | 18526 | 0 | 0 |
| Alphabet Inc-C | Com | 02079K107 |  | 106 | 1200 | SH |  | DFND | 0 | 1200 | 0 | 0 |
| Alphabet Inc-A | Com | 02079K305 |  | 4392 | 49777 | SH |  | SOLE | 0 | 49777 | 0 | 0 |
| Alphabet Inc-A | Com | 02079K305 |  | 143 | 1620 | SH |  | DFND | 0 | 1620 | 0 | 0 |
| Amazon.com Inc | Com | 023135106 |  | 4302 | 51209 | SH |  | SOLE | 0 | 50609 | 0 | 600 |
| Amazon.com Inc | Com | 023135106 |  | 34 | 400 | SH |  | DFND | 0 | 400 | 0 | 0 |
| American Electric Power Co Inc | Com | 025537101 |  | 590 | 6214 | SH |  | SOLE | 0 | 6214 | 0 | 0 |
| American Express Co | Com | 025816109 |  | 1018 | 6892 | SH |  | SOLE | 0 | 6892 | 0 | 0 |
| American Express Co | Com | 025816109 |  | 42 | 287 | SH |  | DFND | 0 | 287 | 0 | 0 |
| American Tower Corp | Com | 03027X100 |  | 283 | 1338 | SH |  | SOLE | 0 | 1338 | 0 | 0 |
| American Water Works Co Inc | Com | 030420103 |  | 2615 | 17156 | SH |  | SOLE | 0 | 17121 | 0 | 35 |
| American Water Works Co Inc | Com | 030420103 |  | 89 | 587 | SH |  | DFND | 0 | 587 | 0 | 0 |
| Amgen Inc | Com | 031162100 |  | 5450 | 20750 | SH |  | SOLE | 0 | 13044 | 0 | 7706 |
| Amgen Inc | Com | 031162100 |  | 127 | 483 | SH |  | DFND | 0 | 483 | 0 | 0 |
| Analog Devices Inc | Com | 032654105 |  | 2780 | 16947 | SH |  | SOLE | 0 | 16914 | 0 | 33 |
| Analog Devices Inc | Com | 032654105 |  | 100 | 612 | SH |  | DFND | 0 | 612 | 0 | 0 |
| Apple Inc | Com | 037833100 |  | 25460 | 195952 | SH |  | SOLE | 0 | 193990 | 0 | 1962 |
| Apple Inc | Com | 037833100 |  | 220 | 1692 | SH |  | DFND | 0 | 1692 | 0 | 0 |
| ADR AstraZeneca PLC- II Sp | Com | 046353108 |  | 394 | 5806 | SH |  | SOLE | 0 | 5806 | 0 | 0 |
| Automatic Data Processing Inc | Com | 053015103 |  | 1815 | 7599 | SH |  | SOLE | 0 | 7504 | 0 | 95 |
| AutoZone Inc | Com | 053332102 |  | 234 | 95 | SH |  | SOLE | 0 | 95 | 0 | 0 |
| Baxter International Inc | Com | 071813109 |  | 1716 | 33663 | SH |  | SOLE | 0 | 33663 | 0 | 0 |
| Baxter International Inc | Com | 071813109 |  | 34 | 675 | SH |  | DFND | 0 | 675 | 0 | 0 |
| Berkshire Hathaway Inc-A | Com | 084670108 |  | 937 | 2 | SH |  | DFND | 0 | 2 | 0 | 0 |
| Berkshire Hathaway Inc-B | Com | 084670702 |  | 1236 | 4000 | SH |  | SOLE | 0 | 4000 | 0 | 0 |
| Berkshire Hathaway Inc-B | Com | 084670702 |  | 11 | 36 | SH |  | DFND | 0 | 36 | 0 | 0 |
| Blackrock Inc | Com | 09247X101 |  | 828 | 1169 | SH |  | SOLE | 0 | 1168 | 0 | 1 |
| Boeing Co/The | Com | 097023105 |  | 1837 | 9643 | SH |  | SOLE | 0 | 6163 | 0 | 3480 |
| Boeing Co/The | Com | 097023105 |  | 25 | 131 | SH |  | DFND | 0 | 131 | 0 | 0 |
| Bristol Myers Squibb | Com | 110122108 |  | 2482 | 34502 | SH |  | SOLE | 0 | 33882 | 0 | 620 |
| Bristol Myers Squibb | Com | 110122108 |  | 29 | 400 | SH |  | DFND | 0 | 400 | 0 | 0 |
| Broadcom Inc | Com | 11135F101 |  | 350 | 626 | SH |  | SOLE | 0 | 626 | 0 | 0 |
| Cigna Corp | Com | 125523100 |  | 398 | 1200 | SH |  | SOLE | 0 | 1200 | 0 | 0 |
| Cigna Corp | Com | 125523100 |  | 1 | 4 | SH |  | DFND | 0 | 4 | 0 | 0 |
| CME Group Inc | Com | 12572Q105 |  | 1549 | 9214 | SH |  | SOLE | 0 | 9214 | 0 | 0 |
| CME Group Inc | Com | 12572Q105 |  | 1 | 7 | SH |  | DFND | 0 | 7 | 0 | 0 |
| CSX Corp | Com | 126408103 |  | 216 | 6985 | SH |  | SOLE | 0 | 6985 | 0 | 0 |
| CVS Health Corp | Com | 126650100 |  | 3009 | 32294 | SH |  | SOLE | 0 | 25208 | 0 | 7086 |
| CVS Health Corp | Com | 126650100 |  | 54 | 579 | SH |  | DFND | 0 | 579 | 0 | 0 |
| Coterra Energy Inc | Com | 127097103 |  | 239 | 9712 | SH |  | SOLE | 0 | 401 | 0 | 9311 |
| Canadian National Railway Co | Com | 136375102 |  | 217 | 1824 | SH |  | SOLE | 0 | 1824 | 0 | 0 |
| Carrier Global Corp | Com | 14448C104 |  | 655 | 15888 | SH |  | SOLE | 0 | 15888 | 0 | 0 |
| Carrier Global Corp | Com | 14448C104 |  | 14 | 345 | SH |  | DFND | 0 | 345 | 0 | 0 |
| Caterpillar Inc | Com | 149123101 |  | 2569 | 10722 | SH |  | SOLE | 0 | 3322 | 0 | 7400 |
| Chevron Corp | Com | 166764100 |  | 9840 | 54821 | SH |  | SOLE | 0 | 54558 | 0 | 263 |
| Chevron Corp | Com | 166764100 |  | 192 | 1071 | SH |  | DFND | 0 | 821 | 0 | 250 |
| Cincinnati Financial Corp | Com | 172062101 |  | 787 | 7686 | SH |  | SOLE | 0 | 7686 | 0 | 0 |
| Cisco Systems Inc | Com | 17275R102 |  | 4096 | 85972 | SH |  | SOLE | 0 | 81367 | 0 | 4605 |
| Cisco Systems Inc | Com | 17275R102 |  | 31 | 647 | SH |  | DFND | 0 | 647 | 0 | 0 |
| Citigroup Inc | Com | 172967424 |  | 288 | 6373 | SH |  | SOLE | 0 | 6354 | 0 | 19 |
| Coca-Cola Co/The | Com | 191216100 |  | 5345 | 84025 | SH |  | SOLE | 0 | 81025 | 0 | 3000 |
| Coca-Cola Co/The | Com | 191216100 |  | 132 | 2073 | SH |  | DFND | 0 | 2073 | 0 | 0 |
| Cognizant Tech Solutions Corp-A | Com | 192446102 |  | 1512 | 26430 | SH |  | SOLE | 0 | 26430 | 0 | 0 |
| Cognizant Tech Solutions Corp-A | Com | 192446102 |  | 47 | 822 | SH |  | DFND | 0 | 822 | 0 | 0 |
| Colgate-Palmolive Company | Com | 194162103 |  | 1281 | 16257 | SH |  | SOLE | 0 | 4677 | 0 | 11580 |
| Comcast Corp-A | Com | 20030N101 |  | 945 | 27036 | SH |  | SOLE | 0 | 26984 | 0 | 52 |
| Comcast Corp-A | Com | 20030N101 |  | 42 | 1214 | SH |  | DFND | 0 | 1214 | 0 | 0 |
| ConocoPhillips Inc | Com | 20825C104 |  | 1012 | 8580 | SH |  | SOLE | 0 | 8580 | 0 | 0 |
| Costco Wholesale Corp | Com | 22160K105 |  | 2346 | 5139 | SH |  | SOLE | 0 | 5139 | 0 | 0 |
| Costco Wholesale Corp | Com | 22160K105 |  | 46 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| Crown Castle Inc | Com | 22822V101 |  | 706 | 5206 | SH |  | SOLE | 0 | 5206 | 0 | 0 |
| Cummins Inc | Com | 231021106 |  | 325 | 1340 | SH |  | SOLE | 0 | 1340 | 0 | 0 |
| Danaher Corp | Com | 235851102 |  | 9455 | 35621 | SH |  | SOLE | 0 | 35621 | 0 | 0 |
| Danaher Corp | Com | 235851102 |  | 164 | 618 | SH |  | DFND | 0 | 618 | 0 | 0 |
| Darden Restaurants Inc | Com | 237194105 |  | 321 | 2317 | SH |  | SOLE | 0 | 2317 | 0 | 0 |
| Deere  Co | Com | 244199105 |  | 8553 | 19949 | SH |  | SOLE | 0 | 9749 | 0 | 10200 |
| Dentsply Sirona Inc | Com | 24906P109 |  | 330 | 10352 | SH |  | SOLE | 0 | 10352 | 0 | 0 |
| Dentsply Sirona Inc | Com | 24906P109 |  | 13 | 400 | SH |  | DFND | 0 | 400 | 0 | 0 |
| Digital Realty Trust Inc | Com | 253868103 |  | 1292 | 12888 | SH |  | SOLE | 0 | 12863 | 0 | 25 |
| Digital Realty Trust Inc | Com | 253868103 |  | 54 | 534 | SH |  | DFND | 0 | 534 | 0 | 0 |
| Disney Walt Co | Com | 254687106 |  | 4178 | 48091 | SH |  | SOLE | 0 | 48091 | 0 | 0 |
| Disney Walt Co | Com | 254687106 |  | 19 | 216 | SH |  | DFND | 0 | 216 | 0 | 0 |
| Dominion Resources Inc/VA | Com | 25746U109 |  | 1944 | 31695 | SH |  | SOLE | 0 | 31658 | 0 | 37 |
| Dominion Resources Inc/VA | Com | 25746U109 |  | 75 | 1220 | SH |  | DFND | 0 | 1220 | 0 | 0 |
| Dover Corp | Com | 260003108 |  | 464 | 3425 | SH |  | SOLE | 0 | 3425 | 0 | 0 |
| Duke Energy Corp | Com | 26441C204 |  | 2565 | 24908 | SH |  | SOLE | 0 | 24874 | 0 | 34 |
| Duke Energy Corp | Com | 26441C204 |  | 2 | 22 | SH |  | DFND | 0 | 22 | 0 | 0 |
| DuPont de Nemours Inc | Com | 26614N102 |  | 902 | 13144 | SH |  | SOLE | 0 | 13144 | 0 | 0 |
| DuPont de Nemours Inc | Com | 26614N102 |  | 15 | 221 | SH |  | DFND | 0 | 221 | 0 | 0 |
| EOG Resources Inc | Com | 26875P101 |  | 1194 | 9221 | SH |  | SOLE | 0 | 9221 | 0 | 0 |
| Emerson Electric Company | Com | 291011104 |  | 1347 | 14024 | SH |  | SOLE | 0 | 6824 | 0 | 7200 |
| Enbridge Inc | Com | 29250N105 |  | 676 | 17297 | SH |  | SOLE | 0 | 16453 | 0 | 844 |
| Enbridge Inc | Com | 29250N105 |  | 4 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| Entergy Corp | Com | 29364G103 |  | 1123 | 9978 | SH |  | SOLE | 0 | 9953 | 0 | 25 |
| Exelon Corp | Com | 30161N101 |  | 1538 | 35588 | SH |  | SOLE | 0 | 35014 | 0 | 574 |
| Exelon Corp | Com | 30161N101 |  | 72 | 1657 | SH |  | DFND | 0 | 1657 | 0 | 0 |
| Exxon Mobil Corp | Com | 30231G102 |  | 5639 | 51121 | SH |  | SOLE | 0 | 44787 | 0 | 6334 |
| Exxon Mobil Corp | Com | 30231G102 |  | 78 | 711 | SH |  | DFND | 0 | 411 | 0 | 300 |
| Farmer  Merchants Bancorp Inc/OH | Com | 30779N105 |  | 216 | 7940 | SH |  | SOLE | 0 | 3940 | 0 | 4000 |
| Federated Ultra Short Term Bond-I | Com | 31428Q747 |  | 9664 | 1078519 | SH |  | SOLE | 0 | 1078519 | 0 | 0 |
| Federated Ultra Short Term Bond-I | Com | 31428Q747 |  | 160 | 17837 | SH |  | DFND | 0 | 9652 | 0 | 8185 |
| Fifth Third Bancorp | Com | 316773100 |  | 1669 | 50859 | SH |  | SOLE | 0 | 34059 | 0 | 16800 |
| First Solar Inc | Com | 336433107 |  | 255 | 1703 | SH |  | SOLE | 0 | 1303 | 0 | 400 |
| Fortive Corp | Com | 34959J108 |  | 683 | 10633 | SH |  | SOLE | 0 | 10633 | 0 | 0 |
| Fortive Corp | Com | 34959J108 |  | 19 | 300 | SH |  | DFND | 0 | 300 | 0 | 0 |
| Franco-Nevada Corp | Com | 351858105 |  | 362 | 2650 | SH |  | SOLE | 0 | 0 | 0 | 2650 |
| Franklin Electric Co Inc | Com | 353514102 |  | 407 | 5100 | SH |  | SOLE | 0 | 0 | 0 | 5100 |
| Arthur J Gallagher  Co | Com | 363576109 |  | 3584 | 19008 | SH |  | SOLE | 0 | 18961 | 0 | 47 |
| Arthur J Gallagher  Co | Com | 363576109 |  | 114 | 606 | SH |  | DFND | 0 | 606 | 0 | 0 |
| General Dynamics Corp | Com | 369550108 |  | 2014 | 8118 | SH |  | SOLE | 0 | 8118 | 0 | 0 |
| General Dynamics Corp | Com | 369550108 |  | 32 | 130 | SH |  | DFND | 0 | 130 | 0 | 0 |
| General Mills Inc | Com | 370334104 |  | 1991 | 23747 | SH |  | SOLE | 0 | 23692 | 0 | 55 |
| General Mills Inc | Com | 370334104 |  | 65 | 773 | SH |  | DFND | 0 | 773 | 0 | 0 |
| Gilead Sciences Inc | Com | 375558103 |  | 1376 | 16026 | SH |  | SOLE | 0 | 16026 | 0 | 0 |
| Gilead Sciences Inc | Com | 375558103 |  | 2 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| Goldman Sachs Group Inc | Com | 38141G104 |  | 637 | 1855 | SH |  | SOLE | 0 | 1855 | 0 | 0 |
| Great Elm Group Inc | Com | 39037G109 |  | 30 | 15000 | SH |  | SOLE | 0 | 15000 | 0 | 0 |
| HCA Healthcare Inc | Com | 40412C101 |  | 804 | 3352 | SH |  | SOLE | 0 | 3352 | 0 | 0 |
| HCA Healthcare Inc | Com | 40412C101 |  | 3 | 13 | SH |  | DFND | 0 | 13 | 0 | 0 |
| Hershey Co/The | Com | 427866108 |  | 734 | 3170 | SH |  | SOLE | 0 | 3170 | 0 | 0 |
| Home Depot Inc | Com | 437076102 |  | 3982 | 12608 | SH |  | SOLE | 0 | 9658 | 0 | 2950 |
| Honeywell International Inc | Com | 438516106 |  | 3051 | 14237 | SH |  | SOLE | 0 | 14237 | 0 | 0 |
| Honeywell International Inc | Com | 438516106 |  | 1 | 6 | SH |  | DFND | 0 | 6 | 0 | 0 |
| Howmet Aerospace Inc | Com | 443201108 |  | 201 | 5102 | SH |  | SOLE | 0 | 370 | 0 | 4732 |
| Illinois Tool Works Inc | Com | 452308109 |  | 433 | 1964 | SH |  | SOLE | 0 | 1964 | 0 | 0 |
| Intel Corp | Com | 458140100 |  | 2873 | 108714 | SH |  | SOLE | 0 | 108164 | 0 | 550 |
| Intel Corp | Com | 458140100 |  | 48 | 1808 | SH |  | DFND | 0 | 1808 | 0 | 0 |
| IntercontinentalExchange Group Inc | Com | 45866F104 |  | 2593 | 25277 | SH |  | SOLE | 0 | 25277 | 0 | 0 |
| IntercontinentalExchange Group Inc | Com | 45866F104 |  | 38 | 375 | SH |  | DFND | 0 | 375 | 0 | 0 |
| Intl Business Machines Corp | Com | 459200101 |  | 1154 | 8194 | SH |  | SOLE | 0 | 8040 | 0 | 154 |
| Invesco QQQ Trust Ser 1 ETF | Com | 46090E103 |  | 1608 | 6038 | SH |  | SOLE | 0 | 6038 | 0 | 0 |
| Invesco S 500 Equal Weight ETF | Com | 46137V357 |  | 1604 | 11357 | SH |  | SOLE | 0 | 11357 | 0 | 0 |
| iShares S 500 Index ETF | Com | 464287200 |  | 1435 | 3735 | SH |  | SOLE | 0 | 3735 | 0 | 0 |
| iShares S Midcap 400 Index ETF | Com | 464287507 |  | 917 | 3790 | SH |  | SOLE | 0 | 3790 | 0 | 0 |
| iShares Core S Small-Cap ETF | Com | 464287804 |  | 3465 | 36608 | SH |  | SOLE | 0 | 36608 | 0 | 0 |
| JP Morgan Chase  Co | Com | 46625H100 |  | 9564 | 71322 | SH |  | SOLE | 0 | 71292 | 0 | 30 |
| JP Morgan Chase  Co | Com | 46625H100 |  | 114 | 849 | SH |  | DFND | 0 | 849 | 0 | 0 |
| Johnson  Johnson | Com | 478160104 |  | 5540 | 31363 | SH |  | SOLE | 0 | 30425 | 0 | 938 |
| KLA Corp | Com | 482480100 |  | 348 | 923 | SH |  | SOLE | 0 | 923 | 0 | 0 |
| KeyCorp | Com | 493267108 |  | 636 | 36498 | SH |  | SOLE | 0 | 36498 | 0 | 0 |
| Kimberly-Clark Corp | Com | 494368103 |  | 1600 | 11785 | SH |  | SOLE | 0 | 11761 | 0 | 24 |
| Kimberly-Clark Corp | Com | 494368103 |  | 49 | 361 | SH |  | DFND | 0 | 361 | 0 | 0 |
| Lam Research Corp | Com | 512807108 |  | 986 | 2347 | SH |  | SOLE | 0 | 2347 | 0 | 0 |
| Lilly Eli  Co | Com | 532457108 |  | 8637 | 23608 | SH |  | SOLE | 0 | 23098 | 0 | 510 |
| Lilly Eli  Co | Com | 532457108 |  | 134 | 367 | SH |  | DFND | 0 | 367 | 0 | 0 |
| Lockheed Martin Corp | Com | 539830109 |  | 3647 | 7497 | SH |  | SOLE | 0 | 7488 | 0 | 9 |
| Lockheed Martin Corp | Com | 539830109 |  | 2 | 5 | SH |  | DFND | 0 | 5 | 0 | 0 |
| Loomis Sayles Strategic Income Y | Com | 543487250 |  | 5770 | 496125 | SH |  | SOLE | 0 | 494209 | 0 | 1916 |
| Loomis Sayles Strategic Income Y | Com | 543487250 |  | 937 | 80600 | SH |  | DFND | 0 | 80600 | 0 | 0 |
| Lowe's Companies Inc | Com | 548661107 |  | 6232 | 31281 | SH |  | SOLE | 0 | 31281 | 0 | 0 |
| Lowe's Companies Inc | Com | 548661107 |  | 103 | 516 | SH |  | DFND | 0 | 516 | 0 | 0 |
| Marathon Petroleum Corp | Com | 56585A102 |  | 331 | 2846 | SH |  | SOLE | 0 | 2846 | 0 | 0 |
| Marsh  McLennan Co Inc | Com | 571748102 |  | 486 | 2934 | SH |  | SOLE | 0 | 2934 | 0 | 0 |
| MasterCard Inc-A | Com | 57636Q104 |  | 964 | 2772 | SH |  | SOLE | 0 | 2772 | 0 | 0 |
| McDonalds Corp | Com | 580135101 |  | 7181 | 27248 | SH |  | SOLE | 0 | 27248 | 0 | 0 |
| McDonalds Corp | Com | 580135101 |  | 55 | 209 | SH |  | DFND | 0 | 209 | 0 | 0 |
| McKesson Corp | Com | 58155Q103 |  | 4067 | 10842 | SH |  | SOLE | 0 | 10842 | 0 | 0 |
| McKesson Corp | Com | 58155Q103 |  | 84 | 225 | SH |  | DFND | 0 | 225 | 0 | 0 |
| Merck  Co Inc | Com | 58933Y105 |  | 6664 | 60065 | SH |  | SOLE | 0 | 60020 | 0 | 45 |
| Merck  Co Inc | Com | 58933Y105 |  | 126 | 1136 | SH |  | DFND | 0 | 1136 | 0 | 0 |
| Metlife Inc | Com | 59156R108 |  | 2075 | 28675 | SH |  | SOLE | 0 | 28648 | 0 | 27 |
| Metlife Inc | Com | 59156R108 |  | 1 | 13 | SH |  | DFND | 0 | 13 | 0 | 0 |
| Microsoft Corp | Com | 594918104 |  | 28305 | 118025 | SH |  | SOLE | 0 | 117427 | 0 | 598 |
| Microsoft Corp | Com | 594918104 |  | 399 | 1665 | SH |  | DFND | 0 | 1665 | 0 | 0 |
| Microchip Technology Inc | Com | 595017104 |  | 5403 | 76915 | SH |  | SOLE | 0 | 76915 | 0 | 0 |
| Microchip Technology Inc | Com | 595017104 |  | 129 | 1840 | SH |  | DFND | 0 | 1840 | 0 | 0 |
| Mondelez International Inc | Com | 609207105 |  | 815 | 12233 | SH |  | SOLE | 0 | 12233 | 0 | 0 |
| Federated Hermes Instl Prime Value Obligation | Com | 60934N575 |  | 57 | 56601 | SH |  | SOLE | 0 | 56601 | 0 | 0 |
| Moody's Corp | Com | 615369105 |  | 1881 | 6750 | SH |  | SOLE | 0 | 6750 | 0 | 0 |
| Morgan Stanley | Com | 617446448 |  | 474 | 5570 | SH |  | SOLE | 0 | 5570 | 0 | 0 |
| NextEra Energy Inc | Com | 65339F101 |  | 5848 | 69950 | SH |  | SOLE | 0 | 68642 | 0 | 1308 |
| NextEra Energy Inc | Com | 65339F101 |  | 117 | 1400 | SH |  | DFND | 0 | 1400 | 0 | 0 |
| Nike Inc-B | Com | 654106103 |  | 5596 | 47823 | SH |  | SOLE | 0 | 47823 | 0 | 0 |
| Nike Inc-B | Com | 654106103 |  | 98 | 834 | SH |  | DFND | 0 | 834 | 0 | 0 |
| Norfolk Southern Corp | Com | 655844108 |  | 8169 | 33152 | SH |  | SOLE | 0 | 33130 | 0 | 22 |
| Norfolk Southern Corp | Com | 655844108 |  | 134 | 544 | SH |  | DFND | 0 | 544 | 0 | 0 |
| Northern Ultra-Short Fixed Income Fund | Com | 665162467 |  | 30675 | 3073690 | SH |  | SOLE | 0 | 3059767 | 0 | 13924 |
| Northern Ultra-Short Fixed Income Fund | Com | 665162467 |  | 3453 | 345989 | SH |  | DFND | 0 | 336680 | 0 | 9309 |
| Northern Trust Corp | Com | 665859104 |  | 204 | 2300 | SH |  | SOLE | 0 | 2300 | 0 | 0 |
| Northrop Grumman Corp | Com | 666807102 |  | 454 | 832 | SH |  | SOLE | 0 | 832 | 0 | 0 |
| ADR Novartis AG- II Sp | Com | 66987V109 |  | 1954 | 21541 | SH |  | SOLE | 0 | 17548 | 0 | 3993 |
| ADR Novartis AG- II Sp | Com | 66987V109 |  | 33 | 368 | SH |  | DFND | 0 | 368 | 0 | 0 |
| Nvidia Corp | Com | 67066G104 |  | 1527 | 10452 | SH |  | SOLE | 0 | 10452 | 0 | 0 |
| Oracle Corporation | Com | 68389X105 |  | 8306 | 101619 | SH |  | SOLE | 0 | 101619 | 0 | 0 |
| Oracle Corporation | Com | 68389X105 |  | 72 | 878 | SH |  | DFND | 0 | 878 | 0 | 0 |
| Otis Worldwide Corp | Com | 68902V107 |  | 937 | 11971 | SH |  | SOLE | 0 | 11959 | 0 | 12 |
| Otis Worldwide Corp | Com | 68902V107 |  | 13 | 172 | SH |  | DFND | 0 | 172 | 0 | 0 |
| PIMCO Total Return Institutional Fund | Com | 693390700 |  | 1030 | 121737 | SH |  | SOLE | 0 | 121737 | 0 | 0 |
| Palo Alto Networks Inc | Com | 697435105 |  | 3572 | 25601 | SH |  | SOLE | 0 | 25601 | 0 | 0 |
| Parnassus Fixed-Income Fund | Com | 701769200 |  | 1826 | 126822 | SH |  | SOLE | 0 | 126822 | 0 | 0 |
| Parnassus Fixed-Income Fund | Com | 701769200 |  | 207 | 14364 | SH |  | DFND | 0 | 14364 | 0 | 0 |
| PepsiCo Inc | Com | 713448108 |  | 8763 | 48507 | SH |  | SOLE | 0 | 48481 | 0 | 26 |
| PepsiCo Inc | Com | 713448108 |  | 114 | 632 | SH |  | DFND | 0 | 632 | 0 | 0 |
| Pfizer Inc | Com | 717081103 |  | 5763 | 112462 | SH |  | SOLE | 0 | 99763 | 0 | 12699 |
| Pfizer Inc | Com | 717081103 |  | 2 | 42 | SH |  | DFND | 0 | 42 | 0 | 0 |
| Philip Morris International | Com | 718172109 |  | 291 | 2880 | SH |  | SOLE | 0 | 2880 | 0 | 0 |
| Phillips 66 | Com | 718546104 |  | 591 | 5680 | SH |  | SOLE | 0 | 5680 | 0 | 0 |
| T Rowe Price Group Inc | Com | 74144T108 |  | 260 | 2388 | SH |  | SOLE | 0 | 2388 | 0 | 0 |
| T Rowe Price High Yield-Inv | Com | 741481105 |  | 2735 | 491957 | SH |  | SOLE | 0 | 491957 | 0 | 0 |
| Procter  Gamble Co | Com | 742718109 |  | 11376 | 75057 | SH |  | SOLE | 0 | 72526 | 0 | 2531 |
| Procter  Gamble Co | Com | 742718109 |  | 198 | 1308 | SH |  | DFND | 0 | 1308 | 0 | 0 |
| Prudential Financial Inc | Com | 744320102 |  | 221 | 2218 | SH |  | SOLE | 0 | 2218 | 0 | 0 |
| Qualcomm Inc | Com | 747525103 |  | 4874 | 44331 | SH |  | SOLE | 0 | 43548 | 0 | 783 |
| Qualcomm Inc | Com | 747525103 |  | 122 | 1106 | SH |  | DFND | 0 | 1106 | 0 | 0 |
| Raymond James Financial Inc | Com | 754730109 |  | 903 | 8455 | SH |  | SOLE | 0 | 8455 | 0 | 0 |
| Rayonier Inc | Com | 754907103 |  | 294 | 8913 | SH |  | SOLE | 0 | 8913 | 0 | 0 |
| Rayonier Inc | Com | 754907103 |  | 24 | 717 | SH |  | DFND | 0 | 717 | 0 | 0 |
| Realty Income Corp | Com | 756109104 |  | 275 | 4331 | SH |  | SOLE | 0 | 4331 | 0 | 0 |
| T Rowe Price Real Estate Fund | Com | 779919109 |  | 255 | 21223 | SH |  | SOLE | 0 | 21223 | 0 | 0 |
| SPDR Gold Shares ETF | Com | 78463V107 |  | 596 | 3511 | SH |  | SOLE | 0 | 3511 | 0 | 0 |
| Salesforce Inc | Com | 79466L302 |  | 1666 | 12565 | SH |  | SOLE | 0 | 12565 | 0 | 0 |
| Salesforce Inc | Com | 79466L302 |  | 30 | 230 | SH |  | DFND | 0 | 230 | 0 | 0 |
| Schlumberger Ltd | Com | 806857108 |  | 2476 | 46308 | SH |  | SOLE | 0 | 27866 | 0 | 18442 |
| Schlumberger Ltd | Com | 806857108 |  | 26 | 493 | SH |  | DFND | 0 | 493 | 0 | 0 |
| Smith (AO) Corp | Com | 831865209 |  | 1209 | 21120 | SH |  | SOLE | 0 | 21120 | 0 | 0 |
| JM Smucker Co/The | Com | 832696405 |  | 261 | 1648 | SH |  | SOLE | 0 | 1648 | 0 | 0 |
| Southern Co/The | Com | 842587107 |  | 556 | 7789 | SH |  | SOLE | 0 | 7789 | 0 | 0 |
| Starbucks Corp | Com | 855244109 |  | 2267 | 22850 | SH |  | SOLE | 0 | 22850 | 0 | 0 |
| Starbucks Corp | Com | 855244109 |  | 42 | 423 | SH |  | DFND | 0 | 423 | 0 | 0 |
| Stryker Corp | Com | 863667101 |  | 332 | 1359 | SH |  | SOLE | 0 | 1359 | 0 | 0 |
| Sysco Corp | Com | 871829107 |  | 321 | 4199 | SH |  | SOLE | 0 | 4199 | 0 | 0 |
| Sysco Corp | Com | 871829107 |  | 38 | 500 | SH |  | DFND | 0 | 500 | 0 | 0 |
| TJX Companies Inc | Com | 872540109 |  | 737 | 9259 | SH |  | SOLE | 0 | 9259 | 0 | 0 |
| Target Corp | Com | 87612E106 |  | 1128 | 7568 | SH |  | SOLE | 0 | 7568 | 0 | 0 |
| Tesla Inc | Com | 88160R101 |  | 385 | 3124 | SH |  | SOLE | 0 | 3124 | 0 | 0 |
| Texas Instruments Inc | Com | 882508104 |  | 635 | 3842 | SH |  | SOLE | 0 | 3842 | 0 | 0 |
| Thermo Fisher Scientific Inc | Com | 883556102 |  | 404 | 733 | SH |  | SOLE | 0 | 733 | 0 | 0 |
| 3M Company | Com | 88579Y101 |  | 1272 | 10605 | SH |  | SOLE | 0 | 10605 | 0 | 0 |
| Travelers Cos Inc/The | Com | 89417E109 |  | 681 | 3634 | SH |  | SOLE | 0 | 3634 | 0 | 0 |
| Truist Financial Corp | Com | 89832Q109 |  | 1518 | 35278 | SH |  | SOLE | 0 | 35220 | 0 | 58 |
| US Bancorp | Com | 902973304 |  | 404 | 9255 | SH |  | SOLE | 0 | 9255 | 0 | 0 |
| Union Pacific Corp | Com | 907818108 |  | 2977 | 14379 | SH |  | SOLE | 0 | 4979 | 0 | 9400 |
| United Parcel Service-B | Com | 911312106 |  | 2411 | 13867 | SH |  | SOLE | 0 | 13842 | 0 | 25 |
| United Parcel Service-B | Com | 911312106 |  | 95 | 547 | SH |  | DFND | 0 | 547 | 0 | 0 |
| UnitedHealth Group Inc | Com | 91324P102 |  | 1644 | 3101 | SH |  | SOLE | 0 | 3101 | 0 | 0 |
| Vanguard High-Yield Corp-Adm | Com | 922031760 |  | 221 | 42988 | SH |  | SOLE | 0 | 42988 | 0 | 0 |
| Vanguard Short-Term Federal-Adm | Com | 922031844 |  | 45831 | 4560293 | SH |  | SOLE | 0 | 4539253 | 0 | 21040 |
| Vanguard Short-Term Federal-Adm | Com | 922031844 |  | 2855 | 284068 | SH |  | DFND | 0 | 279228 | 0 | 4840 |
| Vanguard S/T Corp Bond ETF | Com | 92206C409 |  | 209 | 2777 | SH |  | SOLE | 0 | 2777 | 0 | 0 |
| Vanguard S 500 ETF | Com | 922908363 |  | 679 | 1934 | SH |  | SOLE | 0 | 1934 | 0 | 0 |
| Vanguard S 500 ETF | Com | 922908363 |  | 77 | 218 | SH |  | DFND | 0 | 218 | 0 | 0 |
| Verizon Communications Inc | Com | 92343V104 |  | 2354 | 59742 | SH |  | SOLE | 0 | 58165 | 0 | 1577 |
| Verizon Communications Inc | Com | 92343V104 |  | 67 | 1713 | SH |  | DFND | 0 | 1713 | 0 | 0 |
| Visa Inc-A | Com | 92826C839 |  | 830 | 3997 | SH |  | SOLE | 0 | 3997 | 0 | 0 |
| WEC Energy Group Inc | Com | 92939U106 |  | 508 | 5413 | SH |  | SOLE | 0 | 5413 | 0 | 0 |
| Walmart Inc | Com | 931142103 |  | 1143 | 8064 | SH |  | SOLE | 0 | 8064 | 0 | 0 |
| Walgreens Boots Alliance Inc | Com | 931427108 |  | 203 | 5447 | SH |  | SOLE | 0 | 5447 | 0 | 0 |
| Waste Management Inc | Com | 94106L109 |  | 2418 | 15414 | SH |  | SOLE | 0 | 15377 | 0 | 37 |
| Waste Management Inc | Com | 94106L109 |  | 3 | 19 | SH |  | DFND | 0 | 19 | 0 | 0 |
| Wells Fargo  Co | Com | 949746101 |  | 1058 | 25626 | SH |  | SOLE | 0 | 25626 | 0 | 0 |
| Wells Fargo  Co | Com | 949746101 |  | 51 | 1237 | SH |  | DFND | 0 | 1237 | 0 | 0 |
| Welltower Inc | Com | 95040Q104 |  | 5945 | 90692 | SH |  | SOLE | 0 | 87554 | 0 | 3138 |
| Welltower Inc | Com | 95040Q104 |  | 108 | 1654 | SH |  | DFND | 0 | 654 | 0 | 1000 |
| Weyerhaeuser Co | Com | 962166104 |  | 1537 | 49569 | SH |  | SOLE | 0 | 39809 | 0 | 9760 |
| Weyerhaeuser Co | Com | 962166104 |  | 35 | 1120 | SH |  | DFND | 0 | 0 | 0 | 1120 |
| Wheaton Precious Metals Corp | Com | 962879102 |  | 477 | 12200 | SH |  | SOLE | 0 | 0 | 0 | 12200 |
| Yum! Brands Inc | Com | 988498101 |  | 473 | 3692 | SH |  | SOLE | 0 | 3692 | 0 | 0 |
| Zimmer Biomet Holdings Inc | Com | 98956P102 |  | 817 | 6405 | SH |  | SOLE | 0 | 6405 | 0 | 0 |
| Cohen  Steers Quality Income Realty Fund Inc | Com | BKC47L109 |  | 0 | 30000 | SH |  | SOLE | 0 | 30000 | 0 | 0 |
| Accenture PLC-A | Com | G1151C101 |  | 473 | 1772 | SH |  | SOLE | 0 | 1622 | 0 | 150 |
| Eaton Corp PLC | Com | G29183103 |  | 2434 | 15505 | SH |  | SOLE | 0 | 15468 | 0 | 37 |
| Eaton Corp PLC | Com | G29183103 |  | 122 | 780 | SH |  | DFND | 0 | 780 | 0 | 0 |
| Everest Re Group Ltd | Com | G3223R108 |  | 1870 | 5646 | SH |  | SOLE | 0 | 5646 | 0 | 0 |
| Everest Re Group Ltd | Com | G3223R108 |  | 50 | 150 | SH |  | DFND | 0 | 150 | 0 | 0 |
| Johnson Controls Intl PLC | Com | G51502105 |  | 1873 | 29271 | SH |  | SOLE | 0 | 29202 | 0 | 69 |
| Johnson Controls Intl PLC | Com | G51502105 |  | 107 | 1674 | SH |  | DFND | 0 | 1674 | 0 | 0 |
| Medtronic PLC | Com | G5960L103 |  | 1052 | 13537 | SH |  | SOLE | 0 | 13537 | 0 | 0 |
| Medtronic PLC | Com | G5960L103 |  | 21 | 275 | SH |  | DFND | 0 | 275 | 0 | 0 |
| Chubb Ltd | Com | H1467J104 |  | 249 | 1129 | SH |  | SOLE | 0 | 1129 | 0 | 0 |
| Rayonier Fractional share | Com | HFE907109 |  | 0 | 50000 | SH |  | SOLE | 0 | 50000 | 0 | 0 |
| Seven Hills RLT fractional shares | Com | JBH84E106 |  | 0 | 52500 | SH |  | SOLE | 0 | 52500 | 0 | 0 |

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