# EDGAR Filing Document

**Accession Number:** 0001035463
**File Stem:** 0001035463-23-000001
**Filing Date:** 2023-1
**Character Count:** 28032
**Document Hash:** f2a958dbfdd8f9dafb6185d7e251664a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001035463-23-000001.hdr.sgml**: 20230119

**ACCESSION NUMBER**: 0001035463-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230119

**DATE AS OF CHANGE**: 20230119

**EFFECTIVENESS DATE**: 20230119

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BAR HARBOR WEALTH MANAGEMENT
- **CENTRAL INDEX KEY:** 0001035463
- **IRS NUMBER:** 020380471
- **STATE OF INCORPORATION:** NH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-06264
- **FILM NUMBER:** 23537076

**BUSINESS ADDRESS:**
- **STREET 1:** 90 NORTH MAIN STREET
- **CITY:** CONCORD
- **STATE:** NH
- **ZIP:** 03301
- **BUSINESS PHONE:** 6032241350

**MAIL ADDRESS:**
- **STREET 1:** 90 NORTH MAIN STREET
- **CITY:** CONCORD
- **STATE:** NH
- **ZIP:** 03301

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CHARTER TRUST CO
- **DATE OF NAME CHANGE:** 20010319

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NEW LONDON TRUST FSB
- **DATE OF NAME CHANGE:** 19990407

### 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:** BAR HARBOR WEALTH MANAGEMENT<br>**Address:** 90 NORTH MAIN STREET<br>CONCORD, NH 03301

**Form 13F File Number:** 028-06264

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:** Jason P Edgar<br>**Title:** President<br>**Phone:** 603-223-1880

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

Jason P Edgar  Concord, NH  01-19-2023<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:** 2

**Form 13F Information Table Entry Total:** 252

**Form 13F Information Table Value Total:** $1249502

      (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.]

| No.   | Name                   | Form 13F File Number   |
|:---|:---|:---|
|  | BAR HARBOR BANKSHARES  | 028-14044              |
|  | Bar Harbor Bank  Trust | 028-14045              |

### 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 |
| 22nd Century Group Inc | COM | 90137F103 |  | 166 | 180000 | SH |  | DFND |  | 180000 | 0 | 0 |
| 3M Co | COM | 88579Y101 |  | 6150 | 51279 | SH |  | DFND |  | 50899 | 0 | 380 |
| ADVANCED MICRO DEV | COM | 007903107 |  | 395 | 6091 | SH |  | DFND |  | 6091 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 8941 | 101346 | SH |  | DFND |  | 99872 | 0 | 1474 |
| AMER EXPRESS CO | COM | 025816109 |  | 345 | 2335 | SH |  | DFND |  | 2035 | 0 | 300 |
| AMETEK Inc | COM | 031100100 |  | 1314 | 9406 | SH |  | DFND |  | 8986 | 0 | 420 |
| ANALOG DEVICES INC | COM | 032654105 |  | 270 | 1648 | SH |  | DFND |  | 1303 | 0 | 345 |
| APPLIED MATERIALS | COM | 038222105 |  | 880 | 9036 | SH |  | DFND |  | 7776 | 0 | 1260 |
| ASML HOLDING NV | N Y REGISTRY SHS | N07059210 |  | 2471 | 4522 | SH |  | DFND |  | 4522 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 1598 | 86829 | SH |  | DFND |  | 84375 | 0 | 2454 |
| AUTOMATIC DATA PROCESSING | COM | 053015103 |  | 13969 | 58481 | SH |  | DFND |  | 55981 | 0 | 2500 |
| AVERY DENNISON CORP | COM | 053611109 |  | 289 | 1596 | SH |  | DFND |  | 1596 | 0 | 0 |
| AbbVie Inc | COM | 00287Y109 |  | 13299 | 82288 | SH |  | DFND |  | 78888 | 0 | 3400 |
| Abbott Laboratories | COM | 002824100 |  | 17257 | 157183 | SH |  | DFND |  | 153396 | 0 | 3787 |
| Accenture PLC | SHS CLASS A | G1151C101 |  | 4144 | 15531 | SH |  | DFND |  | 15324 | 0 | 207 |
| Adobe Inc | COM | 00724F101 |  | 3383 | 10054 | SH |  | DFND |  | 9798 | 0 | 256 |
| Aflac Inc | COM | 001055102 |  | 284 | 3950 | SH |  | DFND |  | 3100 | 0 | 850 |
| Air Products and Chemicals Inc | COM | 009158106 |  | 8846 | 28696 | SH |  | DFND |  | 26847 | 0 | 1849 |
| Akamai Technologies Inc | COM | 00971T101 |  | 971 | 11516 | SH |  | DFND |  | 11480 | 0 | 36 |
| Allstate Corp/The | COM | 020002101 |  | 245 | 1809 | SH |  | DFND |  | 1184 | 0 | 625 |
| Alphabet Inc | CAP STK CL C | 02079K107 |  | 2678 | 30172 | SH |  | DFND |  | 28772 | 0 | 1400 |
| Altria Group Inc | COM | 02209S103 |  | 337 | 7370 | SH |  | DFND |  | 7370 | 0 | 0 |
| Amazon.com Inc | COM | 023135106 |  | 7192 | 85627 | SH |  | DFND |  | 84779 | 0 | 848 |
| American Tower Corp | COM | 03027X100 |  | 3008 | 14195 | SH |  | DFND |  | 13825 | 0 | 370 |
| American Water Works Co Inc | COM | 030420103 |  | 933 | 6118 | SH |  | DFND |  | 6018 | 0 | 100 |
| Amgen Inc | COM | 031162100 |  | 848 | 3231 | SH |  | DFND |  | 3031 | 0 | 200 |
| Amphenol Corp | CL A | 032095101 |  | 2400 | 31521 | SH |  | DFND |  | 31465 | 0 | 56 |
| Aon PLC | SHS CL A | G0403H108 |  | 1102 | 3672 | SH |  | DFND |  | 3672 | 0 | 0 |
| Apple Inc | COM | 037833100 |  | 38470 | 296085 | SH |  | DFND |  | 281276 | 0 | 14809 |
| AutoZone Inc | COM | 053332102 |  | 2059 | 835 | SH |  | DFND |  | 835 | 0 | 0 |
| AvalonBay Communities Inc | COM | 053484101 |  | 1963 | 12154 | SH |  | DFND |  | 12128 | 0 | 26 |
| BAKER HUGHES INC | CL A | 05722G100 |  | 5017 | 169877 | SH |  | DFND |  | 168264 | 0 | 1613 |
| BALL CORP | COM | 058498106 |  | 3499 | 68428 | SH |  | DFND |  | 68228 | 0 | 200 |
| BARRICK GOLD CORP | COM | 067901108 |  | 7940 | 462218 | SH |  | DFND |  | 459718 | 0 | 2500 |
| BECTON DICKINSON | COM | 075887109 |  | 2202 | 8660 | SH |  | DFND |  | 8660 | 0 | 0 |
| BERKSHIRE HATHAWAY | CL A | 084670108 |  | 469 | 1 | SH |  | DFND |  | 1 | 0 | 0 |
| BK OF AMERICA CORP | COM | 060505104 |  | 3867 | 116747 | SH |  | DFND |  | 116556 | 0 | 191 |
| BOEING CO | COM | 097023105 |  | 301 | 1579 | SH |  | DFND |  | 1343 | 0 | 236 |
| BP PLC | SPONSORED ADR | 055622104 |  | 330 | 9428 | SH |  | DFND |  | 8986 | 0 | 442 |
| BRISTOL-MYRS SQUIB | COM | 110122108 |  | 2795 | 38838 | SH |  | DFND |  | 36938 | 0 | 1900 |
| Bar Harbor Bankshares | COM | 066849100 |  | 14965 | 467069 | SH |  | DFND |  | 14500 | 0 | 452569 |
| Berkshire Hathaway Inc | CL B NEW | 084670702 |  | 13223 | 42807 | SH |  | DFND |  | 42023 | 0 | 784 |
| BlackRock Advisors LLC | RUS MID CAP ETF | 464287499 |  | 434 | 6439 | SH |  | DFND |  | 6439 | 0 | 0 |
| BlackRock Advisors LLC | S MC 400GR ETF | 464287606 |  | 407 | 5964 | SH |  | DFND |  | 5784 | 0 | 180 |
| BlackRock Advisors LLC | S MC 400VL ETF | 464287705 |  | 247 | 2449 | SH |  | DFND |  | 2339 | 0 | 110 |
| BlackRock Advisors LLC | CORE S SCP ETF | 464287804 |  | 20204 | 213485 | SH |  | DFND |  | 211213 | 0 | 2272 |
| BlackRock Fund Advisors | MSCI EAFE ETF | 464287465 |  | 1684 | 25654 | SH |  | DFND |  | 25504 | 0 | 150 |
| BlackRock Fund Advisors | MBS ETF | 464288588 |  | 218 | 2344 | SH |  | DFND |  | 2344 | 0 | 0 |
| BlackRock Fund Advisors | ISHS 5-10YR INVT | 464288638 |  | 29895 | 603831 | SH |  | DFND |  | 597572 | 0 | 6259 |
| BlackRock Fund Advisors | ISHS 1-5YR INVS | 464288646 |  | 26046 | 522800 | SH |  | DFND |  | 519894 | 0 | 2906 |
| BlackRock Fund Advisors | PFD AND INCM SEC | 464288687 |  | 477 | 15646 | SH |  | DFND |  | 14146 | 0 | 1500 |
| BlackRock Funds/Closed-End/USA | COM | 09253X102 |  | 154 | 13625 | SH |  | DFND |  | 0 | 0 | 13625 |
| BlackRock Funds/Closed-end/USA | COM | 09254F100 |  | 143 | 12305 | SH |  | DFND |  | 0 | 0 | 12305 |
| BlackRock Inc | COM | 09247X101 |  | 936 | 1321 | SH |  | DFND |  | 1321 | 0 | 0 |
| Blackstone Inc | COM | 09260D107 |  | 403 | 5443 | SH |  | DFND |  | 5383 | 0 | 60 |
| Booking Holdings Inc | COM | 09857L108 |  | 2003 | 994 | SH |  | DFND |  | 993 | 0 | 1 |
| Booz Allen Hamilton Holding Co | CL A | 099502106 |  | 7585 | 72576 | SH |  | DFND |  | 72176 | 0 | 400 |
| Broadcom Inc | COM | 11135F101 |  | 395 | 705 | SH |  | DFND |  | 155 | 0 | 550 |
| Brookfield Renewable Partners | CL A SUB VTG | 11284V105 |  | 1107 | 40197 | SH |  | DFND |  | 37547 | 0 | 2650 |
| Brookline Bancorp Inc | COM | 11373M107 |  | 530 | 37430 | SH |  | DFND |  | 37430 | 0 | 0 |
| Brown  Brown Inc | COM | 115236101 |  | 9065 | 159116 | SH |  | DFND |  | 158216 | 0 | 900 |
| CARRIER GLOBAL CORP | COM | 14448C104 |  | 458 | 11114 | SH |  | DFND |  | 7620 | 0 | 3494 |
| CDW Corp/DE | COM | 12514G108 |  | 945 | 5292 | SH |  | DFND |  | 5292 | 0 | 0 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | US DIVIDEND EQ | 808524797 |  | 604 | 8000 | SH |  | DFND |  | 8000 | 0 | 0 |
| CHUBB LIMITED COM | COM | H1467J104 |  | 4764 | 21594 | SH |  | DFND |  | 20076 | 0 | 1518 |
| CINTAS CORP | COM | 172908105 |  | 1087 | 2407 | SH |  | DFND |  | 2407 | 0 | 0 |
| CISCO SYSTEMS | COM | 17275R102 |  | 5091 | 106862 | SH |  | DFND |  | 106596 | 0 | 266 |
| COGNIZANT TECHNOLO | CL A | 192446102 |  | 809 | 14139 | SH |  | DFND |  | 14090 | 0 | 49 |
| COLGATE-PALMOLIVE | COM | 194162103 |  | 12074 | 153252 | SH |  | DFND |  | 153252 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 542 | 4588 | SH |  | DFND |  | 3444 | 0 | 1144 |
| CORNING INC | COM | 219350105 |  | 1940 | 60750 | SH |  | DFND |  | 59599 | 0 | 1151 |
| CSX CORP | COM | 126408103 |  | 2574 | 83083 | SH |  | DFND |  | 71083 | 0 | 12000 |
| CVS Health Corp | COM | 126650100 |  | 8317 | 89244 | SH |  | DFND |  | 88744 | 0 | 500 |
| Capri Holdings Ltd | SHS | G1890L107 |  | 1171 | 20430 | SH |  | DFND |  | 20430 | 0 | 0 |
| Caterpillar Inc | COM | 149123101 |  | 13222 | 55194 | SH |  | DFND |  | 55144 | 0 | 50 |
| Chevron Corp | COM | 166764100 |  | 20167 | 112359 | SH |  | DFND |  | 111080 | 0 | 1279 |
| Church  Dwight Co Inc | COM | 171340102 |  | 234 | 2900 | SH |  | DFND |  | 2900 | 0 | 0 |
| Clorox Co/The | COM | 189054109 |  | 374 | 2669 | SH |  | DFND |  | 2669 | 0 | 0 |
| Coca-Cola Co/The | COM | 191216100 |  | 4253 | 66854 | SH |  | DFND |  | 65894 | 0 | 960 |
| Comcast Corp | CL A | 20030N101 |  | 2949 | 84318 | SH |  | DFND |  | 82048 | 0 | 2270 |
| Consolidated Edison Inc | COM | 209115104 |  | 401 | 4214 | SH |  | DFND |  | 4114 | 0 | 100 |
| Constellation Brands Inc | CL A | 21036P108 |  | 356 | 1536 | SH |  | DFND |  | 1536 | 0 | 0 |
| Costco Wholesale Corp | COM | 22160K105 |  | 17694 | 38760 | SH |  | DFND |  | 38570 | 0 | 190 |
| DEERE  CO | COM | 244199105 |  | 868 | 2024 | SH |  | DFND |  | 1974 | 0 | 50 |
| DIAGEO | SPON ADR NEW | 25243Q205 |  | 224 | 1255 | SH |  | DFND |  | 700 | 0 | 555 |
| DOMINION RES(VIR) | COM | 25746U109 |  | 2646 | 43144 | SH |  | DFND |  | 42935 | 0 | 209 |
| DTE Energy Co | COM | 233331107 |  | 234 | 1989 | SH |  | DFND |  | 1849 | 0 | 140 |
| DUKE ENERGY CORP | COM NEW | 26441C204 |  | 336 | 3267 | SH |  | DFND |  | 3267 | 0 | 0 |
| Danaher Corp | COM | 235851102 |  | 8924 | 33625 | SH |  | DFND |  | 33192 | 0 | 433 |
| Dollar Tree Inc | COM | 256746108 |  | 1244 | 8792 | SH |  | DFND |  | 8781 | 0 | 11 |
| Dover Corp | COM | 260003108 |  | 821 | 6060 | SH |  | DFND |  | 5780 | 0 | 280 |
| Dow Inc | COM | 260557103 |  | 970 | 19253 | SH |  | DFND |  | 18267 | 0 | 986 |
| Dreyfus Funds/Closed-end/USA | COM SHS | 09662W109 |  | 214 | 20400 | SH |  | DFND |  | 0 | 0 | 20400 |
| DuPont de Nemours Inc | COM | 26614N102 |  | 1351 | 19684 | SH |  | DFND |  | 18698 | 0 | 986 |
| ECOLAB INC | COM | 278865100 |  | 556 | 3816 | SH |  | DFND |  | 3816 | 0 | 0 |
| EMERSON ELECTRIC | COM | 291011104 |  | 6716 | 69912 | SH |  | DFND |  | 69912 | 0 | 0 |
| EQUITY COMMONWEALTH | 6.5% CNV PFD D | 294628201 |  | 2138 | 85314 | SH |  | DFND |  | 83564 | 0 | 1750 |
| Eaton Vance Management | SH BEN INT | 27826U108 |  | 132 | 13413 | SH |  | DFND |  | 0 | 0 | 13413 |
| Eaton Vance Management | COM | 27828N102 |  | 151 | 13900 | SH |  | DFND |  | 13900 | 0 | 0 |
| Eaton Vance Management | COM | 27829F108 |  | 163 | 21520 | SH |  | DFND |  | 21520 | 0 | 0 |
| Elevance Health Inc | COM | 036752103 |  | 500 | 975 | SH |  | DFND |  | 975 | 0 | 0 |
| Eli Lilly  Co | COM | 532457108 |  | 29670 | 81101 | SH |  | DFND |  | 80706 | 0 | 395 |
| Essential Utilities Inc | COM | 29670G102 |  | 306 | 6414 | SH |  | DFND |  | 6414 | 0 | 0 |
| Eversource Energy | COM | 30040W108 |  | 397 | 4731 | SH |  | DFND |  | 4731 | 0 | 0 |
| Exxon Mobil Corp | COM | 30231G102 |  | 20529 | 186122 | SH |  | DFND |  | 176391 | 0 | 9731 |
| FEDEX CORP | COM | 31428X106 |  | 2200 | 12700 | SH |  | DFND |  | 12675 | 0 | 25 |
| FMC Corp | COM NEW | 302491303 |  | 541 | 4332 | SH |  | DFND |  | 4332 | 0 | 0 |
| FNB Corp/PA | COM | 302520101 |  | 339 | 25982 | SH |  | DFND |  | 25982 | 0 | 0 |
| First Bancorp Inc/The | COM | 31866P102 |  | 480 | 16023 | SH |  | DFND |  | 16023 | 0 | 0 |
| GEN DYNAMICS CORP | COM | 369550108 |  | 209 | 842 | SH |  | DFND |  | 842 | 0 | 0 |
| GSK PLC | None | 37733W204 |  | 2358 | 67092 | SH |  | DFND |  | 67092 | 0 | 0 |
| General Electric Co | COM NEW | 369604301 |  | 336 | 4012 | SH |  | DFND |  | 3424 | 0 | 588 |
| General Mills Inc | COM | 370334104 |  | 2003 | 23896 | SH |  | DFND |  | 22616 | 0 | 1280 |
| Genuine Parts Co | COM | 372460105 |  | 962 | 5545 | SH |  | DFND |  | 5545 | 0 | 0 |
| Gilead Sciences Inc | COM | 375558103 |  | 367 | 4273 | SH |  | DFND |  | 3773 | 0 | 500 |
| Grupo Aeroportuario del Surest | SPON ADR SER B | 40051E202 |  | 7042 | 30228 | SH |  | DFND |  | 30228 | 0 | 0 |
| HORIZON THERAPEUTICS PLC | SHS | G46188101 |  | 3384 | 29735 | SH |  | DFND |  | 29141 | 0 | 594 |
| Hewlett Packard Enterprise Co | COM | 42824C109 |  | 162 | 10147 | SH |  | DFND |  | 10147 | 0 | 0 |
| Home Depot Inc/The | COM | 437076102 |  | 9016 | 28543 | SH |  | DFND |  | 27934 | 0 | 609 |
| Honeywell International Inc | COM | 438516106 |  | 1662 | 7758 | SH |  | DFND |  | 6713 | 0 | 1045 |
| IBM | COM | 459200101 |  | 8321 | 59066 | SH |  | DFND |  | 57206 | 0 | 1860 |
| ILLINOIS TOOL WKS | COM | 452308109 |  | 1172 | 5324 | SH |  | DFND |  | 5324 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE | COM | 45866F104 |  | 4001 | 38999 | SH |  | DFND |  | 38373 | 0 | 626 |
| ISHARES | MSCI STH AFR ETF | 464286780 |  | 682 | 16065 | SH |  | DFND |  | 16065 | 0 | 0 |
| ISHARES | SELECT DIVID ETF | 464287168 |  | 891 | 7387 | SH |  | DFND |  | 7387 | 0 | 0 |
| ISHARES | CHINA LG-CAP ETF | 464287184 |  | 1021 | 36094 | SH |  | DFND |  | 36094 | 0 | 0 |
| ISHARES | CORE S ETF | 464287200 |  | 39627 | 103139 | SH |  | DFND |  | 102552 | 0 | 587 |
| ISHARES | IBOXX INV CP ETF | 464287242 |  | 9583 | 90896 | SH |  | DFND |  | 90330 | 0 | 566 |
| ISHARES | S 500 GRWT ETF | 464287309 |  | 658 | 11243 | SH |  | DFND |  | 10667 | 0 | 576 |
| ISHARES | RUSSELL 2000 ETF | 464287655 |  | 577 | 3307 | SH |  | DFND |  | 3307 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 1225 | 32336 | SH |  | DFND |  | 31586 | 0 | 750 |
| ISHARES TRUST | TIPS BD ETF | 464287176 |  | 9067 | 85187 | SH |  | DFND |  | 84202 | 0 | 985 |
| ISHARES TRUST | 1 3 YR TREAS BD | 464287457 |  | 619 | 7627 | SH |  | DFND |  | 7627 | 0 | 0 |
| ISHARES TRUST | GLOBAL 100 ETF | 464287572 |  | 229 | 3570 | SH |  | DFND |  | 3570 | 0 | 0 |
| ISHARES TRUST | IBOXX HI YD ETF | 464288513 |  | 1545 | 20992 | SH |  | DFND |  | 20992 | 0 | 0 |
| ISHARES/USA | S SML 600 GWT | 464287887 |  | 223 | 2061 | SH |  | DFND |  | 2061 | 0 | 0 |
| Intel Corp | COM | 458140100 |  | 2597 | 98255 | SH |  | DFND |  | 96655 | 0 | 1600 |
| Invesco Capital Management LLC | UNIT SER 1 | 46090E103 |  | 9214 | 34603 | SH |  | DFND |  | 34603 | 0 | 0 |
| JPMorgan Chase  Co | COM | 46625H100 |  | 12711 | 94781 | SH |  | DFND |  | 94015 | 0 | 766 |
| Johnson  Johnson | COM | 478160104 |  | 44545 | 252168 | SH |  | DFND |  | 244762 | 0 | 7406 |
| KIMBERLY-CLARK CP | COM | 494368103 |  | 1499 | 11038 | SH |  | DFND |  | 11038 | 0 | 0 |
| Kellogg Co | COM | 487836108 |  | 1436 | 20152 | SH |  | DFND |  | 19352 | 0 | 800 |
| Kinder Morgan Inc | COM | 49456B101 |  | 2608 | 144257 | SH |  | DFND |  | 143556 | 0 | 701 |
| Kraft Foods Inc | CL A | 609207105 |  | 437 | 6559 | SH |  | DFND |  | 6559 | 0 | 0 |
| KraneShares ETFs/USA | QUADRTC INT RT | 500767736 |  | 2361 | 104433 | SH |  | DFND |  | 99433 | 0 | 5000 |
| L3Harris Technologies Inc | COM | 502431109 |  | 3913 | 18793 | SH |  | DFND |  | 18736 | 0 | 57 |
| LEGG MASON PARTNERS FUND ADVISOR LLC | COM | 95766M105 |  | 191 | 18922 | SH |  | DFND |  | 0 | 0 | 18922 |
| LOWE'S COS INC | COM | 548661107 |  | 2340 | 11743 | SH |  | DFND |  | 11523 | 0 | 220 |
| Lam Research Corp | COM | 512807108 |  | 2792 | 6643 | SH |  | DFND |  | 6624 | 0 | 19 |
| Linde PLC | SHS | G5494J103 |  | 1375 | 4215 | SH |  | DFND |  | 4100 | 0 | 115 |
| Lockheed Martin Corp | COM | 539830109 |  | 1037 | 2132 | SH |  | DFND |  | 2132 | 0 | 0 |
| M Bank Corp | COM | 55261F104 |  | 453 | 3118 | SH |  | DFND |  | 3059 | 0 | 59 |
| MARSH  MCLENNAN | COM | 571748102 |  | 955 | 5771 | SH |  | DFND |  | 5647 | 0 | 124 |
| MASTERCARD INC | CL A | 57636Q104 |  | 7023 | 20196 | SH |  | DFND |  | 20144 | 0 | 52 |
| MCDONALD'S CORP | COM | 580135101 |  | 5032 | 19096 | SH |  | DFND |  | 17006 | 0 | 2090 |
| MICROSOFT CORP | COM | 594918104 |  | 23879 | 99571 | SH |  | DFND |  | 95091 | 0 | 4480 |
| MOODYS CORP | COM | 615369105 |  | 415 | 1488 | SH |  | DFND |  | 1488 | 0 | 0 |
| Marathon Petroleum Corp | COM | 56585A102 |  | 644 | 5529 | SH |  | DFND |  | 5529 | 0 | 0 |
| Merck  Co Inc | COM | 58933Y105 |  | 15524 | 139917 | SH |  | DFND |  | 137712 | 0 | 2205 |
| NEXTERA ENERGY | COM | 65339F101 |  | 10185 | 121834 | SH |  | DFND |  | 118161 | 0 | 3673 |
| NIKE INC | CL B | 654106103 |  | 6727 | 57490 | SH |  | DFND |  | 56889 | 0 | 601 |
| NVIDIA Corp | COM | 67066G104 |  | 644 | 4411 | SH |  | DFND |  | 4331 | 0 | 80 |
| Nelnet Inc | CL A | 64031N108 |  | 9281 | 102263 | SH |  | DFND |  | 101863 | 0 | 400 |
| Neuberger Berman Funds/Closed- | COM | 64124P101 |  | 207 | 19865 | SH |  | DFND |  | 630 | 0 | 19235 |
| Norfolk Southern Corp | COM | 655844108 |  | 2172 | 8813 | SH |  | DFND |  | 8613 | 0 | 200 |
| Novartis AG | SPONSORED ADR | 66987V109 |  | 300 | 3307 | SH |  | DFND |  | 2907 | 0 | 400 |
| Novo Holdings A/S | ADR | 670100205 |  | 21666 | 160085 | SH |  | DFND |  | 157620 | 0 | 2465 |
| Nuveen Closed-End Funds/USA | COM | 670657105 |  | 201 | 17711 | SH |  | DFND |  | 3014 | 0 | 14697 |
| Nuveen Closed-End Funds/USA | COM | 67066V101 |  | 154 | 13025 | SH |  | DFND |  | 2550 | 0 | 10475 |
| Nuveen Closed-End Funds/USA | COM | 670928100 |  | 7827 | 910108 | SH |  | DFND |  | 891108 | 0 | 19000 |
| OGE Energy Corp | COM | 670837103 |  | 542 | 13704 | SH |  | DFND |  | 13704 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 551 | 6749 | SH |  | DFND |  | 5979 | 0 | 770 |
| Otis Worldwide Corp | COM | 68902V107 |  | 406 | 5181 | SH |  | DFND |  | 3435 | 0 | 1746 |
| PACCAR INC | COM | 693718108 |  | 10665 | 107761 | SH |  | DFND |  | 107264 | 0 | 497 |
| PARKER-HANNIFIN | COM | 701094104 |  | 6439 | 22128 | SH |  | DFND |  | 22028 | 0 | 100 |
| PEPSICO INC | COM | 713448108 |  | 12616 | 69831 | SH |  | DFND |  | 65317 | 0 | 4514 |
| PHILIP MORRIS INTL | COM | 718172109 |  | 768 | 7580 | SH |  | DFND |  | 7580 | 0 | 0 |
| PNC Financial Services Group I | COM | 693475105 |  | 694 | 4393 | SH |  | DFND |  | 4393 | 0 | 0 |
| Paychex Inc | COM | 704326107 |  | 321 | 2779 | SH |  | DFND |  | 2779 | 0 | 0 |
| Perrigo Co PLC | SHS | G97822103 |  | 6321 | 185425 | SH |  | DFND |  | 185425 | 0 | 0 |
| Pfizer Inc | COM | 717081103 |  | 12864 | 251055 | SH |  | DFND |  | 237555 | 0 | 13500 |
| Pfizer Inc | CL A | 98978V103 |  | 215 | 1464 | SH |  | DFND |  | 1464 | 0 | 0 |
| Phillips 66 | COM | 718546104 |  | 623 | 5985 | SH |  | DFND |  | 5433 | 0 | 552 |
| Procter  Gamble Co/The | COM | 742718109 |  | 15007 | 99016 | SH |  | DFND |  | 92768 | 0 | 6248 |
| QUALCOMM Inc | COM | 747525103 |  | 2293 | 20860 | SH |  | DFND |  | 19809 | 0 | 1051 |
| ROCKWELL AUTOMATION | COM | 773903109 |  | 1673 | 6497 | SH |  | DFND |  | 5712 | 0 | 785 |
| ROPER INDUSTRIES INC | COM | 776696106 |  | 1786 | 4133 | SH |  | DFND |  | 3974 | 0 | 159 |
| Raytheon Technologies Corp | COM | 75513E101 |  | 2306 | 22854 | SH |  | DFND |  | 18902 | 0 | 3952 |
| S Global Inc | COM | 78409V104 |  | 634 | 1892 | SH |  | DFND |  | 1892 | 0 | 0 |
| SANDSTORM GOLD LTD | COM NEW | 80013R206 |  | 5898 | 1121340 | SH |  | DFND |  | 1103320 | 0 | 18020 |
| SELECT SECTOR SPDR | SBI MATERIALS | 81369Y100 |  | 2152 | 27709 | SH |  | DFND |  | 27667 | 0 | 42 |
| SELECT SECTOR SPDR | SBI HEALTHCARE | 81369Y209 |  | 20788 | 153024 | SH |  | DFND |  | 152832 | 0 | 192 |
| SELECT SECTOR SPDR | SBI CONS STPLS | 81369Y308 |  | 12336 | 165471 | SH |  | DFND |  | 165368 | 0 | 103 |
| SELECT SECTOR SPDR | SBI CONS DISCR | 81369Y407 |  | 17524 | 135671 | SH |  | DFND |  | 135515 | 0 | 156 |
| SELECT SECTOR SPDR | ENERGY | 81369Y506 |  | 7557 | 86395 | SH |  | DFND |  | 86337 | 0 | 58 |
| SELECT SECTOR SPDR | FINANCIAL | 81369Y605 |  | 14636 | 427967 | SH |  | DFND |  | 427094 | 0 | 873 |
| SELECT SECTOR SPDR | TECHNOLOGY | 81369Y803 |  | 63331 | 508929 | SH |  | DFND |  | 508296 | 0 | 633 |
| SELECT SECTOR SPDR | SBI INT-UTILS | 81369Y886 |  | 2686 | 38094 | SH |  | DFND |  | 38036 | 0 | 58 |
| SSGA Funds Management Inc | S DIVID ETF | 78464A763 |  | 1381 | 11039 | SH |  | DFND |  | 10729 | 0 | 310 |
| SSgA Funds Management Inc | COMMUNICATION | 81369Y852 |  | 3501 | 72958 | SH |  | DFND |  | 72784 | 0 | 174 |
| STARBUCKS CORP | COM | 855244109 |  | 3426 | 34540 | SH |  | DFND |  | 34500 | 0 | 40 |
| STATE STREET ETF/USA | NUVEEN BLOOMBERG | 78464A284 |  | 373 | 7624 | SH |  | DFND |  | 0 | 0 | 7624 |
| STATE STREET ETF/USA | UTSER1 S | 78467Y107 |  | 438 | 988 | SH |  | DFND |  | 988 | 0 | 0 |
| Schlumberger Ltd | COM STK | 806857108 |  | 505 | 9436 | SH |  | DFND |  | 8936 | 0 | 500 |
| Sealed Air Corp | COM | 81211K100 |  | 1552 | 31117 | SH |  | DFND |  | 31028 | 0 | 89 |
| Southern Co/The | COM | 842587107 |  | 522 | 7315 | SH |  | DFND |  | 7115 | 0 | 200 |
| State Street ETF/USA | TR UNIT | 78462F103 |  | 3655 | 9556 | SH |  | DFND |  | 9556 | 0 | 0 |
| State Street Global Advisors Inc | SBI INT-INDS | 81369Y704 |  | 15446 | 157271 | SH |  | DFND |  | 157176 | 0 | 95 |
| State Street Global Advisors Inc | RL EST SEL SEC | 81369Y860 |  | 2446 | 66235 | SH |  | DFND |  | 66139 | 0 | 96 |
| Synopsys Inc | COM | 871607107 |  | 2716 | 8505 | SH |  | DFND |  | 8448 | 0 | 57 |
| Sysco Corp | COM | 871829107 |  | 9866 | 129047 | SH |  | DFND |  | 127687 | 0 | 1360 |
| TEXAS INSTRUMENTS | COM | 882508104 |  | 1557 | 9422 | SH |  | DFND |  | 9362 | 0 | 60 |
| TJX Cos Inc/The | COM | 872540109 |  | 7450 | 93593 | SH |  | DFND |  | 93143 | 0 | 450 |
| TRACTOR SUPPLY CO | COM | 892356106 |  | 1569 | 6976 | SH |  | DFND |  | 6941 | 0 | 35 |
| TRAVELERS CO INC | COM | 89417E109 |  | 312 | 1666 | SH |  | DFND |  | 1666 | 0 | 0 |
| Target Corp | COM | 87612E106 |  | 876 | 5875 | SH |  | DFND |  | 5813 | 0 | 62 |
| Texas Pacific Land Corp | COM | 88262P102 |  | 17697 | 7549 | SH |  | DFND |  | 7504 | 0 | 45 |
| Thermo Fisher Scientific Inc | COM | 883556102 |  | 6220 | 11295 | SH |  | DFND |  | 11088 | 0 | 207 |
| Timken Co/The | COM | 887389104 |  | 2544 | 36005 | SH |  | DFND |  | 36005 | 0 | 0 |
| UTD PARCEL SERV | CL B | 911312106 |  | 15131 | 87038 | SH |  | DFND |  | 86688 | 0 | 350 |
| Unilever PLC | SPON ADR NEW | 904767704 |  | 1900 | 37744 | SH |  | DFND |  | 37744 | 0 | 0 |
| Union Pacific Corp | COM | 907818108 |  | 1538 | 7427 | SH |  | DFND |  | 6647 | 0 | 780 |
| UnitedHealth Group Inc | COM | 91324P102 |  | 6849 | 12918 | SH |  | DFND |  | 12795 | 0 | 123 |
| VANGUARD | S 500 ETF SHS | 922908363 |  | 669 | 1904 | SH |  | DFND |  | 1904 | 0 | 0 |
| VANGUARD ETF/USA | SHRT TRM CORP BD | 92206C409 |  | 3712 | 49368 | SH |  | DFND |  | 49368 | 0 | 0 |
| VANGUARD ETF/USA | TOTAL STK MKT | 922908769 |  | 353 | 1848 | SH |  | DFND |  | 1848 | 0 | 0 |
| VERIZON COMMUN | COM | 92343V104 |  | 5802 | 147266 | SH |  | DFND |  | 142805 | 0 | 4461 |
| VISA INC | COM CL A | 92826C839 |  | 3041 | 14637 | SH |  | DFND |  | 14597 | 0 | 40 |
| Valero Energy Corp | COM | 91913Y100 |  | 1734 | 13668 | SH |  | DFND |  | 13668 | 0 | 0 |
| Van Kampen Funds/Closed-end/US | COM | 46132C107 |  | 196 | 19795 | SH |  | DFND |  | 0 | 0 | 19795 |
| Van Kampen Funds/Closed-end/US | COM | 46133G107 |  | 126 | 13348 | SH |  | DFND |  | 0 | 0 | 13348 |
| Vanguard ETF/USA | VAN FTSE DEV MKT | 921943858 |  | 10935 | 260554 | SH |  | DFND |  | 259081 | 0 | 1473 |
| Vanguard ETF/USA | FTSE EMR MKT ETF | 922042858 |  | 5686 | 145857 | SH |  | DFND |  | 142276 | 0 | 3581 |
| Vanguard ETF/USA | REAL ESTATE ETF | 922908553 |  | 339 | 4110 | SH |  | DFND |  | 4110 | 0 | 0 |
| Vanguard ETF/USA | MID CAP ETF | 922908629 |  | 1985 | 9743 | SH |  | DFND |  | 9743 | 0 | 0 |
| Vanguard ETF/USA | SMALL CP ETF | 922908751 |  | 446 | 2428 | SH |  | DFND |  | 2428 | 0 | 0 |
| Voya Investments LLC | CORE S TTL STK | 464287150 |  | 4598 | 54225 | SH |  | DFND |  | 54225 | 0 | 0 |
| Voya Investments LLC | CORE S MCP ETF | 464287507 |  | 22267 | 92053 | SH |  | DFND |  | 91522 | 0 | 531 |
| WASTE MANAGEMENT | COM | 94106L109 |  | 4432 | 28248 | SH |  | DFND |  | 28135 | 0 | 113 |
| WEYERHAEUSER CO | COM NEW | 962166104 |  | 1076 | 34692 | SH |  | DFND |  | 34094 | 0 | 598 |
| WISDOMTREE ASSET MANAGEMENT INC | US LARGECAP FUND | 97717W588 |  | 428 | 10296 | SH |  | DFND |  | 10296 | 0 | 0 |
| Walgreens Boots Alliance Inc | COM | 931427108 |  | 3394 | 90842 | SH |  | DFND |  | 90842 | 0 | 0 |
| Walmart Inc | COM | 931142103 |  | 7618 | 53733 | SH |  | DFND |  | 53607 | 0 | 126 |
| Walt Disney Co/The | COM | 254687106 |  | 3579 | 41199 | SH |  | DFND |  | 39462 | 0 | 1737 |
| Western Asset Trust Closed End | COM | 95766P108 |  | 226 | 19405 | SH |  | DFND |  | 0 | 0 | 19405 |
| Western Asset Trust Closed End | COM | 958435109 |  | 115 | 15110 | SH |  | DFND |  | 0 | 0 | 15110 |
| Xcel Energy Inc | COM | 98389B100 |  | 479 | 6835 | SH |  | DFND |  | 6835 | 0 | 0 |
| YUM BRANDS INC | COM | 988498101 |  | 667 | 5205 | SH |  | DFND |  | 5205 | 0 | 0 |
| Yum China Holdings Inc | COM | 98850P109 |  | 201 | 3684 | SH |  | DFND |  | 3684 | 0 | 0 |
| ZIMMER HLDGS INC | COM | 98956P102 |  | 3469 | 27206 | SH |  | DFND |  | 27153 | 0 | 53 |
| iShares ETFs/USA | CORE US AGGBD ET | 464287226 |  | 33908 | 349610 | SH |  | DFND |  | 347030 | 0 | 2580 |
| iShares ETFs/USA | 7-10 YR TRSY BD | 464287440 |  | 208 | 2176 | SH |  | DFND |  | 2176 | 0 | 0 |

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