# EDGAR Filing Document

**Accession Number:** 0001831984
**File Stem:** 0001104659-23-009880
**Filing Date:** 2023-2
**Character Count:** 24609
**Document Hash:** a7935d4a3d4215d9f717ba2d9081ca34
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-23-009880.hdr.sgml**: 20230202

**ACCESSION NUMBER**: 0001104659-23-009880

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230202

**DATE AS OF CHANGE**: 20230202

**EFFECTIVENESS DATE**: 20230202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Berkshire Bank
- **CENTRAL INDEX KEY:** 0001831984
- **IRS NUMBER:** 043312097
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20376
- **FILM NUMBER:** 23580755

**BUSINESS ADDRESS:**
- **STREET 1:** 99 NORTH STREET
- **CITY:** PITTSFIELD
- **STATE:** MA
- **ZIP:** 01201
- **BUSINESS PHONE:** (413) 443-5601

**MAIL ADDRESS:**
- **STREET 1:** 99 NORTH STREET
- **CITY:** PITTSFIELD
- **STATE:** MA
- **ZIP:** 01201

### 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:** Berkshire Bank<br>**Address:** 99 North Street<br>Pittsfield, MA 01201

**Form 13F File Number:** 028-20376

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:** Anna Di Garbo<br>**Title:** Vice President Wealth Management Operations<br>**Phone:** 413-449-2246

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

/s/Anna Di Garbo  Lenox, MA  02-02-2023<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:** 224

**Form 13F Information Table Value Total:** $326993411

      (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 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 2830638 | 10608 | SH |  | SOLE |  | 10324 | 0 | 284 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 2668 | 10 | SH |  | OTR |  | 10 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 |  | 4083085 | 18509 | SH |  | SOLE |  | 18256 | 0 | 253 |
| CHUBB LIMITED | COM | H1467J104 |  | 86916 | 394 | SH |  | OTR |  | 356 | 38 | 0 |
| NXP SEMICONDUCTORS N V | COM | N6596X109 |  | 1327135 | 8398 | SH |  | SOLE |  | 8168 | 0 | 230 |
| NXP SEMICONDUCTORS N V | COM | N6596X109 |  | 79015 | 500 | SH |  | OTR |  | 500 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 164456 | 8933 | SH |  | SOLE |  | 8933 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 117824 | 6400 | SH |  | OTR |  | 6400 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 1625989 | 14810 | SH |  | SOLE |  | 14703 | 0 | 107 |
| ABBOTT LABS | COM | 002824100 |  | 72461 | 660 | SH |  | OTR |  | 660 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 507617 | 3141 | SH |  | SOLE |  | 3141 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 271181 | 1678 | SH |  | OTR |  | 1678 | 0 | 0 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 408210 | 1213 | SH |  | SOLE |  | 1212 | 0 | 1 |
| AGILENT TECHNOLOGIES INC | COM | 00846U101 |  | 302143 | 2019 | SH |  | SOLE |  | 2019 | 0 | 0 |
| AGILENT TECHNOLOGIES INC | COM | 00846U101 |  | 15413 | 103 | SH |  | OTR |  | 103 | 0 | 0 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 532981 | 1729 | SH |  | SOLE |  | 1726 | 0 | 3 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 569646 | 6420 | SH |  | SOLE |  | 6420 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 39041 | 440 | SH |  | OTR |  | 440 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 7032901 | 79711 | SH |  | SOLE |  | 78711 | 0 | 1000 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 326451 | 3700 | SH |  | OTR |  | 3520 | 180 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 3542952 | 42178 | SH |  | SOLE |  | 41438 | 0 | 740 |
| AMAZON COM INC | COM | 023135106 |  | 13440 | 160 | SH |  | OTR |  | 160 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1338319 | 9058 | SH |  | SOLE |  | 8993 | 0 | 65 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 85695 | 580 | SH |  | OTR |  | 580 | 0 | 0 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 1922205 | 9073 | SH |  | SOLE |  | 8872 | 0 | 201 |
| AMERICAN TOWER CORP NEW | COM | 03027X100 |  | 2118 | 10 | SH |  | OTR |  | 10 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 378989 | 1443 | SH |  | SOLE |  | 1443 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 127380 | 485 | SH |  | OTR |  | 450 | 35 | 0 |
| APPLE INC | COM | 037833100 |  | 12123898 | 93311 | SH |  | SOLE |  | 91542 | 0 | 1769 |
| APPLE INC | COM | 037833100 |  | 1342046 | 10329 | SH |  | OTR |  | 10101 | 228 | 0 |
| APPLIED MATLS INC | COM | 038222105 |  | 326223 | 3350 | SH |  | OTR |  | 3350 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 640144 | 2680 | SH |  | SOLE |  | 2680 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 314100 | 1315 | SH |  | OTR |  | 1315 | 0 | 0 |
| BALL CORP | COM | 058498106 |  | 362429 | 7087 | SH |  | SOLE |  | 7087 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 2808807 | 84807 | SH |  | SOLE |  | 83680 | 0 | 1127 |
| BANK AMERICA CORP | COM | 060505104 |  | 81144 | 2450 | SH |  | OTR |  | 2450 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 177617 | 575 | SH |  | SOLE |  | 575 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 43246 | 140 | SH |  | OTR |  | 140 | 0 | 0 |
| BERKSHIRE HILLS BANCORP INC | COM | 084680107 |  | 322710 | 10793 | SH |  | SOLE |  | 16 | 0 | 10777 |
| BLACKROCK INC | COM | 09247X101 |  | 3952738 | 5578 | SH |  | SOLE |  | 5486 | 0 | 92 |
| BLACKROCK INC | COM | 09247X101 |  | 289829 | 409 | SH |  | OTR |  | 383 | 26 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 1626501 | 22606 | SH |  | SOLE |  | 21975 | 0 | 631 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 687122 | 9550 | SH |  | OTR |  | 9500 | 50 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 234275 | 419 | SH |  | SOLE |  | 417 | 0 | 2 |
| BROADCOM INC | COM | 11135F101 |  | 27956 | 50 | SH |  | OTR |  | 50 | 0 | 0 |
| CIGNA CORP NEW | COM | 125523100 |  | 36116 | 109 | SH |  | SOLE |  | 109 | 0 | 0 |
| CIGNA CORP NEW | COM | 125523100 |  | 248505 | 750 | SH |  | OTR |  | 737 | 13 | 0 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 109848 | 2663 | SH |  | SOLE |  | 2663 | 0 | 0 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 201712 | 4890 | SH |  | OTR |  | 4890 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 2166580 | 9044 | SH |  | SOLE |  | 8844 | 0 | 200 |
| CATERPILLAR INC | COM | 149123101 |  | 178472 | 745 | SH |  | OTR |  | 745 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 3075381 | 17134 | SH |  | SOLE |  | 16952 | 0 | 182 |
| CHEVRON CORP NEW | COM | 166764100 |  | 237824 | 1325 | SH |  | OTR |  | 1325 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 3598963 | 75545 | SH |  | SOLE |  | 74052 | 0 | 1493 |
| CISCO SYS INC | COM | 17275R102 |  | 225194 | 4727 | SH |  | OTR |  | 4727 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 356050 | 7872 | SH |  | SOLE |  | 7872 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 254249 | 3997 | SH |  | SOLE |  | 3997 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 118950 | 1870 | SH |  | OTR |  | 1870 | 0 | 0 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 247006 | 3135 | SH |  | SOLE |  | 3135 | 0 | 0 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 133943 | 1700 | SH |  | OTR |  | 1700 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 143724 | 1218 | SH |  | SOLE |  | 1211 | 0 | 7 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 234230 | 1985 | SH |  | OTR |  | 1985 | 0 | 0 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 231750 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 538670 | 1180 | SH |  | SOLE |  | 1154 | 0 | 26 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 70757 | 155 | SH |  | OTR |  | 155 | 0 | 0 |
| CROWN CASTLE INC | COM | 22822V101 |  | 139166 | 1026 | SH |  | SOLE |  | 1026 | 0 | 0 |
| CROWN CASTLE INC | COM | 22822V101 |  | 73245 | 540 | SH |  | OTR |  | 540 | 0 | 0 |
| CRUZ BATTERY METALS CORP | COM | 22888A108 |  | 2107 | 38000 | SH |  | SOLE |  | 38000 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 7068665 | 26632 | SH |  | SOLE |  | 26274 | 0 | 358 |
| DANAHER CORPORATION | COM | 235851102 |  | 132710 | 500 | SH |  | OTR |  | 500 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 1195382 | 2788 | SH |  | SOLE |  | 2788 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 2164875 | 24918 | SH |  | SOLE |  | 24595 | 0 | 323 |
| DISNEY WALT CO | COM | 254687106 |  | 115984 | 1335 | SH |  | OTR |  | 1310 | 25 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 1680903 | 27412 | SH |  | SOLE |  | 26926 | 0 | 486 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 142139 | 2318 | SH |  | OTR |  | 2318 | 0 | 0 |
| DOW INC | COM | 260557103 |  | 833349 | 16538 | SH |  | SOLE |  | 15828 | 0 | 710 |
| EMERSON ELEC CO | COM | 291011104 |  | 100863 | 1050 | SH |  | SOLE |  | 1050 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 919678 | 9574 | SH |  | OTR |  | 9574 | 0 | 0 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 147809 | 1763 | SH |  | SOLE |  | 1763 | 0 | 0 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 108992 | 1300 | SH |  | OTR |  | 1300 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 5186967 | 47026 | SH |  | SOLE |  | 46397 | 208 | 421 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1304959 | 11831 | SH |  | OTR |  | 11831 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 447664 | 3720 | SH |  | SOLE |  | 3715 | 0 | 5 |
| META PLATFORMS INC | CL A | 30303M102 |  | 30085 | 250 | SH |  | OTR |  | 150 | 100 | 0 |
| FASTENAL CO | COM | 311900104 |  | 282926 | 5979 | SH |  | SOLE |  | 5979 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 1347669 | 7781 | SH |  | SOLE |  | 7651 | 0 | 130 |
| FEDEX CORP | COM | 31428X106 |  | 12124 | 70 | SH |  | OTR |  | 70 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | NASD TECH DIV | 33738R118 |  | 473260 | 9905 | SH |  | SOLE |  | 9905 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 810079 | 3265 | SH |  | SOLE |  | 3265 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 6202 | 25 | SH |  | OTR |  | 25 | 0 | 0 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 348315 | 4157 | SH |  | SOLE |  | 4157 | 0 | 0 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 49184 | 587 | SH |  | OTR |  | 587 | 0 | 0 |
| HERSHEY CO | COM | 427866108 |  | 341797 | 1476 | SH |  | SOLE |  | 1476 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 5812455 | 18402 | SH |  | SOLE |  | 18130 | 0 | 272 |
| HOME DEPOT INC | COM | 437076102 |  | 573601 | 1816 | SH |  | OTR |  | 1816 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 2148357 | 10025 | SH |  | SOLE |  | 9830 | 0 | 195 |
| HONEYWELL INTL INC | COM | 438516106 |  | 25716 | 120 | SH |  | OTR |  | 120 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 |  | 576855 | 1414 | SH |  | SOLE |  | 1374 | 0 | 40 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 597233 | 2711 | SH |  | SOLE |  | 2581 | 0 | 130 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 543694 | 3859 | SH |  | SOLE |  | 3188 | 57 | 614 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 15497 | 110 | SH |  | OTR |  | 110 | 0 | 0 |
| INTERPUBLIC GROUP COS INC | COM | 460690100 |  | 669797 | 20108 | SH |  | SOLE |  | 20108 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 666765 | 2504 | SH |  | SOLE |  | 2504 | 0 | 0 |
| INTUIT | COM | 461202103 |  | 247933 | 637 | SH |  | SOLE |  | 637 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | SOLAR ETF | 46138G706 |  | 1590675 | 21808 | SH |  | SOLE |  | 21093 | 0 | 715 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3387579 | 8817 | SH |  | SOLE |  | 7317 | 0 | 1500 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1017003 | 2647 | SH |  | OTR |  | 2647 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 387110 | 10214 | SH |  | SOLE |  | 10214 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 745473 | 11357 | SH |  | SOLE |  | 11357 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 57435 | 875 | SH |  | OTR |  | 875 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 2953206 | 28035 | SH |  | SOLE |  | 28035 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 4231999 | 50622 | SH |  | SOLE |  | 49953 | 100 | 569 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 52668 | 630 | SH |  | OTR |  | 330 | 300 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 767758 | 3174 | SH |  | SOLE |  | 3174 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 697368 | 2883 | SH |  | OTR |  | 2883 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 251089 | 1172 | SH |  | SOLE |  | 1172 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 206093 | 1182 | SH |  | SOLE |  | 1182 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 168743 | 1783 | SH |  | SOLE |  | 1783 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 452568 | 4782 | SH |  | OTR |  | 4782 | 0 | 0 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 864638 | 31835 | SH |  | SOLE |  | 31381 | 0 | 454 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 871871 | 17610 | SH |  | SOLE |  | 17610 | 0 | 0 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 23517 | 475 | SH |  | OTR |  | 475 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 13742682 | 119616 | SH |  | SOLE |  | 117689 | 90 | 1837 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 2297 | 20 | SH |  | OTR |  | 20 | 0 | 0 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 1092435 | 10480 | SH |  | SOLE |  | 10309 | 0 | 171 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 295014 | 5097 | SH |  | SOLE |  | 5097 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 16054199 | 260451 | SH |  | SOLE |  | 255359 | 0 | 5092 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 245635 | 3985 | SH |  | OTR |  | 3985 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 2661573 | 56993 | SH |  | SOLE |  | 56722 | 0 | 271 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 46700 | 1000 | SH |  | OTR |  | 1000 | 0 | 0 |
| ISHARES TR | MSCI GBL SUS DEV | 46435G532 |  | 1122573 | 14226 | SH |  | SOLE |  | 12221 | 0 | 2005 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 5373118 | 40068 | SH |  | SOLE |  | 39501 | 0 | 567 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 340614 | 2540 | SH |  | OTR |  | 2540 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 17131526 | 341742 | SH |  | SOLE |  | 333495 | 0 | 8247 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 |  | 7519 | 150 | SH |  | OTR |  | 0 | 150 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 3111159 | 17612 | SH |  | SOLE |  | 17244 | 0 | 368 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 403998 | 2287 | SH |  | OTR |  | 2287 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 233218 | 1718 | SH |  | SOLE |  | 1718 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 67875 | 500 | SH |  | OTR |  | 500 | 0 | 0 |
| KINERJAPAY CORP | COM | 49460M101 |  | 0 | 595000 | SH |  | SOLE |  | 595000 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 1224100 | 3346 | SH |  | SOLE |  | 3346 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 149262 | 408 | SH |  | OTR |  | 343 | 65 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 586220 | 1205 | SH |  | SOLE |  | 1205 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 19459 | 40 | SH |  | OTR |  | 40 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 249647 | 1253 | SH |  | SOLE |  | 1253 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 9962 | 50 | SH |  | OTR |  | 50 | 0 | 0 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 453988 | 5477 | SH |  | SOLE |  | 5477 | 0 | 0 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 22380 | 270 | SH |  | OTR |  | 150 | 120 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 2469803 | 9372 | SH |  | SOLE |  | 9179 | 0 | 193 |
| MCDONALDS CORP | COM | 580135101 |  | 292518 | 1110 | SH |  | OTR |  | 1110 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 4755760 | 42864 | SH |  | SOLE |  | 41997 | 0 | 867 |
| MERCK  CO INC | COM | 58933Y105 |  | 1551302 | 13982 | SH |  | OTR |  | 13982 | 0 | 0 |
| METLIFE INC | COM | 59156R108 |  | 3956178 | 54666 | SH |  | SOLE |  | 53794 | 0 | 872 |
| METLIFE INC | COM | 59156R108 |  | 83225 | 1150 | SH |  | OTR |  | 1150 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 11791709 | 49169 | SH |  | SOLE |  | 48445 | 0 | 724 |
| MICROSOFT CORP | COM | 594918104 |  | 1111565 | 4635 | SH |  | OTR |  | 4635 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 665791 | 7831 | SH |  | SOLE |  | 7831 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 3693364 | 44179 | SH |  | SOLE |  | 43623 | 0 | 556 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 156499 | 1872 | SH |  | OTR |  | 1872 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 1444722 | 12347 | SH |  | SOLE |  | 11947 | 0 | 400 |
| NIKE INC | CL B | 654106103 |  | 163814 | 1400 | SH |  | OTR |  | 1400 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 234099 | 950 | SH |  | SOLE |  | 950 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 7392 | 30 | SH |  | OTR |  | 30 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 556930 | 6139 | SH |  | SOLE |  | 6139 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 33566 | 370 | SH |  | OTR |  | 330 | 40 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3347921 | 22909 | SH |  | SOLE |  | 22371 | 0 | 538 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 108874 | 745 | SH |  | OTR |  | 745 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 337243 | 6898 | SH |  | SOLE |  | 6885 | 0 | 13 |
| OWENS CORNING NEW | COM | 690742101 |  | 2396930 | 28100 | SH |  | SOLE |  | 27340 | 0 | 760 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 564951 | 3577 | SH |  | SOLE |  | 3571 | 0 | 6 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 1132682 | 15904 | SH |  | SOLE |  | 15756 | 0 | 148 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 12178 | 171 | SH |  | OTR |  | 171 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 1609680 | 8910 | SH |  | SOLE |  | 8807 | 0 | 103 |
| PEPSICO INC | COM | 713448108 |  | 412808 | 2285 | SH |  | OTR |  | 2285 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 1684156 | 32868 | SH |  | SOLE |  | 32772 | 0 | 96 |
| PFIZER INC | COM | 717081103 |  | 119901 | 2340 | SH |  | OTR |  | 2215 | 125 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 5665161 | 37379 | SH |  | SOLE |  | 36412 | 340 | 627 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 292510 | 1930 | SH |  | OTR |  | 1930 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 |  | 338640 | 3004 | SH |  | SOLE |  | 3004 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 309319 | 3065 | SH |  | SOLE |  | 2998 | 0 | 67 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 548096 | 5431 | SH |  | OTR |  | 5431 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 46778072 | 122318 | SH |  | SOLE |  | 116729 | 435 | 5154 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 81457 | 213 | SH |  | OTR |  | 213 | 0 | 0 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 1371991 | 27077 | SH |  | SOLE |  | 26775 | 0 | 302 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 932945 | 7457 | SH |  | SOLE |  | 7457 | 0 | 0 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 1227534 | 31014 | SH |  | SOLE |  | 31014 | 0 | 0 |
| SPDR SER TR | PRTFLO S HI | 78468R788 |  | 39580 | 1000 | SH |  | OTR |  | 1000 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 1296465 | 9778 | SH |  | SOLE |  | 9647 | 0 | 131 |
| SALESFORCE INC | COM | 79466L302 |  | 14584 | 110 | SH |  | OTR |  | 110 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 771528 | 6200 | SH |  | SOLE |  | 6200 | 0 | 0 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 483915 | 2039 | SH |  | SOLE |  | 2039 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 1770841 | 7243 | SH |  | SOLE |  | 6973 | 0 | 270 |
| TJX COS INC NEW | COM | 872540109 |  | 3436252 | 43169 | SH |  | SOLE |  | 42791 | 0 | 378 |
| TJX COS INC NEW | COM | 872540109 |  | 282022 | 3543 | SH |  | OTR |  | 3543 | 0 | 0 |
| T-MOBILE US INC | COM | 872590104 |  | 1373960 | 9814 | SH |  | SOLE |  | 9592 | 0 | 222 |
| TARGET CORP | COM | 87612E106 |  | 527005 | 3536 | SH |  | SOLE |  | 3536 | 0 | 0 |
| TARGET CORP | COM | 87612E106 |  | 3726 | 25 | SH |  | OTR |  | 25 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 966371 | 5849 | SH |  | SOLE |  | 5669 | 0 | 180 |
| TEXAS INSTRS INC | COM | 882508104 |  | 2478 | 15 | SH |  | OTR |  | 15 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 238640 | 1990 | SH |  | SOLE |  | 1990 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 1230571 | 28598 | SH |  | SOLE |  | 28040 | 0 | 558 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 2581 | 60 | SH |  | OTR |  | 60 | 0 | 0 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 365405 | 779 | SH |  | SOLE |  | 779 | 0 | 0 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 4690 | 10 | SH |  | OTR |  | 10 | 0 | 0 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 1538343 | 30553 | SH |  | SOLE |  | 30453 | 0 | 100 |
| UNION PAC CORP | COM | 907818108 |  | 3686467 | 17803 | SH |  | SOLE |  | 17554 | 0 | 249 |
| UNION PAC CORP | COM | 907818108 |  | 176837 | 854 | SH |  | OTR |  | 854 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 3390501 | 6395 | SH |  | SOLE |  | 6193 | 0 | 202 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 212072 | 400 | SH |  | OTR |  | 400 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 337396 | 8039 | SH |  | SOLE |  | 7379 | 0 | 660 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 49104 | 1170 | SH |  | OTR |  | 670 | 500 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 360857 | 7197 | SH |  | SOLE |  | 7197 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1607111 | 21374 | SH |  | SOLE |  | 20258 | 0 | 1116 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2428222 | 61630 | SH |  | SOLE |  | 60313 | 0 | 1317 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 256178 | 6502 | SH |  | OTR |  | 6502 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 6265833 | 30159 | SH |  | SOLE |  | 29910 | 0 | 249 |
| VISA INC | COM CL A | 92826C839 |  | 398899 | 1920 | SH |  | OTR |  | 1820 | 100 | 0 |
| WALMART INC | COM | 931142103 |  | 3834001 | 27040 | SH |  | SOLE |  | 26525 | 0 | 515 |
| WALMART INC | COM | 931142103 |  | 10634 | 75 | SH |  | OTR |  | 75 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 383728 | 2446 | SH |  | SOLE |  | 2446 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 11766 | 75 | SH |  | OTR |  | 75 | 0 | 0 |
| XYLEM INC | COM | 98419M100 |  | 305062 | 2759 | SH |  | SOLE |  | 2759 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | COM | 98956P102 |  | 49725 | 390 | SH |  | SOLE |  | 390 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | COM | 98956P102 |  | 344250 | 2700 | SH |  | OTR |  | 2700 | 0 | 0 |

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