Spinnaker Trust 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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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
3M Company	Equities	88579Y101	65,397,827	478,404	SH		SOLE		478,404	0	0
Abbott Laboratories	Equities	002824100	79,807	700	SH		DFND		700	0	0
Abbott Laboratories	Equities	002824100	4,800,847	42,109	SH		SOLE		41,809	0	300
AbbVie Inc	Equities	00287Y109	3,062,717	15,509	SH		SOLE		15,509	0	0
Aberdeen Standard Bloomberg All	Equities	003261104	270,503	13,234	SH		SOLE		6,437	0	6,797
Accenture PLC	Equities	G1151C101	109,579	310	SH		DFND		310	0	0
Accenture PLC	Equities	G1151C101	2,061,849	5,833	SH		SOLE		5,833	0	0
Adobe Inc	Equities	00724F101	215,396	416	SH		SOLE		356	0	60
AFLAC Inc	Equities	001055102	404,716	3,620	SH		SOLE		3,525	0	95
Agilent Technologies Inc	Equities	00846U101	377,733	2,544	SH		SOLE		0	0	2,544
Agnico Eagle Mines LTD	Equities	008474108	277,610	3,446	SH		SOLE		3,446	0	0
Air Prods & Chems Inc	Equities	009158106	1,102,829	3,704	SH		SOLE		3,704	0	0
Allstate Corp	Equities	020002101	229,477	1,210	SH		SOLE		1,210	0	0
Alphabet Inc CL A	Equities	02079K305	7,411,173	44,686	SH		SOLE		43,733	0	953
Alphabet Inc CL C	Equities	02079K107	16,719	100	SH		DFND		100	0	0
Alphabet Inc CL C	Equities	02079K107	18,798,342	112,437	SH		SOLE		101,374	7,831	3,232
Altria Group Inc	Equities	02209S103	629,476	12,333	SH		SOLE		9,729	0	2,604
Altus Power Inc	Equities	02217A102	32,226	10,134	SH		SOLE		10,134	0	0
Amazon Com Inc	Equities	023135106	14,534	78	SH		DFND		78	0	0
Amazon Com Inc	Equities	023135106	13,204,648	70,867	SH		SOLE		61,493	5,703	3,671
American Express Co	Equities	025816109	1,475,057	5,439	SH		SOLE		5,439	0	0
American Tower Reit Com	Equities	03027X100	489,306	2,104	SH		SOLE		2,074	0	30
Ameriprise Finl Inc	Equities	03076C106	791,630	1,685	SH		SOLE		1,685	0	0
Amgen Inc	Equities	031162100	2,677,887	8,311	SH		SOLE		8,221	0	90
Apple Inc	Equities	037833100	131,878	566	SH		DFND		566	0	0
Apple Inc	Equities	037833100	50,793,301	217,997	SH		SOLE		202,547	5,733	9,717
Arthur J. Gallagher & Co.	Equities	363576109	336,237	1,195	SH		SOLE		995	0	200
AT&T Inc	Equities	00206R102	389,840	17,720	SH		DFND		17,720	0	0
AT&T Inc	Equities	00206R102	2,351,204	106,873	SH		SOLE		95,468	0	11,405
Automatic Data Processing Inc	Equities	053015103	6,422,627	23,209	SH		SOLE		23,184	0	25
AutoZone, Inc.	Equities	053332102	472,506	151	SH		SOLE		151	0	0
Bank Of America Corporation	Equities	060505104	597,620	15,061	SH		SOLE		14,653	0	408
Bank of New York Mellon Corp	Equities	064058100	288,877	4,020	SH		SOLE		4,020	0	0
Becton Dickinson and Company	Equities	075887109	1,097,005	4,550	SH		SOLE		4,550	0	0
Berkshire Hathaway Inc	Equities	084670108	9,676,520	14	SH		SOLE		14	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	1,085,293	2,358	SH		DFND		2,358	0	0
Berkshire Hathaway Inc - CL B	Equities	084670702	37,214,783	80,856	SH		SOLE		77,844	2,096	916
Biotech Select Sector SPDR ETF	Equities	78464A870	246,901	2,499	SH		SOLE		1,899	0	600
Blackrock Short Duration Bond E	Equities	46431W507	2,057,696	40,158	SH		SOLE		40,158	0	0
BlackRock US Equity Factor Rota	Equities	09290C103	8,859,236	179,083	SH		SOLE		164,009	1,393	13,681
BlackRock, Inc	Equities	09247X101	566,857	597	SH		DFND		597	0	0
BlackRock, Inc	Equities	09247X101	8,616,803	9,075	SH		SOLE		7,852	797	426
Boeing Co	Equities	097023105	246,001	1,618	SH		SOLE		1,618	0	0
Booking Holdings Inc	Equities	09857L108	829,788	197	SH		SOLE		197	0	0
Bristol Myers Squibb Co	Equities	110122108	771,961	14,920	SH		SOLE		14,920	0	0
Broadcom Inc.	Equities	11135F101	9,582,030	55,548	SH		SOLE		47,515	5,761	2,272
Caterpillar Inc Del	Equities	149123101	801,796	2,050	SH		DFND		2,050	0	0
Caterpillar Inc Del	Equities	149123101	8,276,099	21,160	SH		SOLE		21,160	0	0
Chevron Corporation	Equities	166764100	339,457	2,305	SH		DFND		2,305	0	0
Chevron Corporation	Equities	166764100	8,042,267	54,609	SH		SOLE		46,834	4,922	2,853
Chubb Limited	Equities	H1467J104	975,335	3,382	SH		SOLE		3,249	0	133
Church & Dwight Inc	Equities	171340102	5,022,685	47,963	SH		SOLE		46,963	0	1,000
Cigna Corporation	Equities	125523100	336,393	971	SH		SOLE		971	0	0
Cisco Systems Inc	Equities	17275R102	528,741	9,935	SH		DFND		9,935	0	0
Cisco Systems Inc	Equities	17275R102	3,749,562	70,454	SH		SOLE		63,143	0	7,311
Coca Cola Co	Equities	191216100	1,253,454	17,443	SH		SOLE		17,353	0	90
Colgate Palmolive Co	Equities	194162103	777,225	7,487	SH		SOLE		7,413	0	74
Comcast Corp New Cl A	Equities	20030N101	1,502,300	35,966	SH		SOLE		23,869	11,347	750
Communication Services Select S	Equities	81369Y852	12,345,386	136,564	SH		SOLE		133,453	0	3,111
ConocoPhillips	Equities	20825C104	239,091	2,271	SH		SOLE		2,170	0	101
CONSOL Energy, Inc.	Equities	20854L108	340,636	3,255	SH		SOLE		3,255	0	0
Constellation Brands Inc - Clas	Equities	21036P108	365,147	1,417	SH		SOLE		1,417	0	0
Consumer Discretionary Select S	Equities	81369Y407	24,738,682	123,465	SH		SOLE		121,265	0	2,200
Consumer Staples Select Sector	Equities	81369Y308	8,739,070	105,290	SH		SOLE		103,637	0	1,653
Copart, Inc.	Equities	217204106	282,803	5,397	SH		SOLE		5,097	0	300
Corning Inc	Equities	219350105	28,219	625	SH		DFND		625	0	0
Corning Inc	Equities	219350105	219,158	4,854	SH		SOLE		4,854	0	0
Corteva, Inc.	Equities	22052L104	29,395	500	SH		DFND		500	0	0
Corteva, Inc.	Equities	22052L104	418,467	7,118	SH		SOLE		7,118	0	0
Costco Wholesale Corp	Equities	22160K105	58,510	66	SH		DFND		66	0	0
Costco Wholesale Corp	Equities	22160K105	6,582,411	7,425	SH		SOLE		6,593	620	212
CRA International, Inc.	Equities	12618T105	6,602,727	37,661	SH		SOLE		37,661	0	0
CRITICAL SOLUTIONS INC	Equities	22675T104	0	10,000	SH		SOLE		0	0	10,000
Crown Castle International Corp	Equities	22822V101	337,502	2,845	SH		DFND		2,845	0	0
Crown Castle International Corp	Equities	22822V101	1,940,075	16,354	SH		SOLE		14,608	0	1,746
CVS Health Corporation	Equities	126650100	934,648	14,864	SH		SOLE		14,510	0	354
Danaher Corp Del	Equities	235851102	1,182,697	4,254	SH		SOLE		3,999	0	255
Deere & Co	Equities	244199105	10,433	25	SH		DFND		25	0	0
Deere & Co	Equities	244199105	5,805,060	13,910	SH		SOLE		12,046	1,109	755
Dominion Energy Inc	Equities	25746U109	26,006	450	SH		DFND		450	0	0
Dominion Energy Inc	Equities	25746U109	243,123	4,207	SH		SOLE		4,207	0	0
Domino's Pizza, Inc.	Equities	25754A201	471,003	1,095	SH		SOLE		1,095	0	0
Dow Inc.	Equities	260557103	457,417	8,373	SH		DFND		8,373	0	0
Dow Inc.	Equities	260557103	2,589,298	47,397	SH		SOLE		44,034	0	3,363
Duke Energy Corp New Com	Equities	26441C204	559,205	4,850	SH		SOLE		4,693	0	157
DuPont de Nemours Inc	Equities	26614N102	35,644	400	SH		DFND		400	0	0
DuPont de Nemours Inc	Equities	26614N102	852,426	9,566	SH		SOLE		9,566	0	0
Eaton Corporation plc	Equities	G29183103	66,288	200	SH		DFND		200	0	0
Eaton Corporation plc	Equities	G29183103	547,870	1,653	SH		SOLE		1,453	0	200
Elevance Health, Inc.	Equities	036752103	206,440	397	SH		SOLE		287	0	110
Eli Lilly & Co	Equities	532457108	1,005,542	1,135	SH		DFND		1,135	0	0
Eli Lilly & Co	Equities	532457108	14,812,917	16,720	SH		SOLE		15,089	1,155	476
Emerson Elec Co	Equities	291011104	2,644,348	24,178	SH		SOLE		24,086	0	92
Energy Select Sector SPDR	Equities	81369Y506	686,420	7,818	SH		SOLE		7,168	0	650
Entergy Corporation	Equities	29364G103	111,869	850	SH		DFND		850	0	0
Entergy Corporation	Equities	29364G103	721,486	5,482	SH		SOLE		4,634	0	848
Equifax Inc	Equities	294429105	840,440	2,860	SH		SOLE		2,860	0	0
Eversource Energy Com	Equities	30040W108	334,466	4,915	SH		SOLE		4,915	0	0
Exxon Mobil Corp	Equities	30231G102	8,863,825	75,617	SH		SOLE		71,773	0	3,844
FactSet Research Systems Inc.	Equities	303075105	1,343,682	2,922	SH		SOLE		2,922	0	0
Fastenal Company	Equities	311900104	613,212	8,586	SH		SOLE		8,586	0	0
Fidelity MSCI Health Care Index	Equities	316092600	4,968,746	68,252	SH		SOLE		62,949	464	4,839
Fidelity MSCI Information Techn	Equities	316092808	2,151,411	12,329	SH		SOLE		11,438	0	891
Fidelity Total Bond ETF	Equities	316188309	5,568,744	119,143	SH		SOLE		93,015	0	26,128
Financial Select Sector SPDR	Equities	81369Y605	14,203,379	313,402	SH		SOLE		305,850	0	7,552
First Trust Nasdaq ABA CBIF	Equities	33736Q104	303,843	5,745	SH		SOLE		5,745	0	0
Fiserv Inc	Equities	337738108	1,324,200	7,371	SH		SOLE		7,371	0	0
FT CBOE Vest US Equity Buffer -	Equities	33740F714	876,504	20,596	SH		SOLE		19,766	0	830
FT CBOE Vest US Equity Buffer -	Equities	33740U406	73,319,582	1,856,662	SH		SOLE		1,788,321	3,360	64,981
GE Aerospace	Equities	369604301	1,547,299	8,205	SH		SOLE		7,964	0	241
GE Healthcare Technologies Inc	Equities	36266G107	6,288	67	SH		DFND		67	0	0
GE Healthcare Technologies Inc	Equities	36266G107	4,342,158	46,267	SH		SOLE		38,351	4,826	3,090
GE Vernova Inc	Equities	36828A101	514,805	2,019	SH		SOLE		1,959	0	60
General Mills Inc	Equities	370334104	103,390	1,400	SH		DFND		1,400	0	0
General Mills Inc	Equities	370334104	693,304	9,388	SH		SOLE		9,388	0	0
Global Partners LP	Equities	37946R109	207,192	4,450	SH		SOLE		4,450	0	0
Global X Uranium ETF	Equities	37954Y871	9,875,428	345,174	SH		SOLE		328,180	595	16,399
Goldman Sachs ActiveBeta Emergi	Equities	381430206	8,833,641	251,599	SH		SOLE		242,820	0	8,779
Goldman Sachs Group Inc	Equities	38141G104	572,347	1,156	SH		SOLE		1,128	0	28
GreenGro Technologies, Inc.	Equities	39526G107	0	10,000	SH		SOLE		10,000	0	0
Healthcare Select Sector SPDR	Equities	81369Y209	29,459,251	191,269	SH		SOLE		187,670	0	3,599
Hewlett Packard Enterprise Comp	Equities	42824C109	289,202	14,135	SH		SOLE		5,260	0	8,875
Home Depot Inc	Equities	437076102	758,940	1,873	SH		DFND		1,873	0	0
Home Depot Inc	Equities	437076102	17,841,361	44,031	SH		SOLE		40,263	2,141	1,627
Honeywell International Inc	Equities	438516106	2,330,035	11,272	SH		SOLE		11,205	0	67
HP Inc.	Equities	40434L105	488,843	13,628	SH		SOLE		6,528	0	7,100
Hubbell Incorporated	Equities	443510607	442,914	1,034	SH		SOLE		1,034	0	0
Idexx Laboratories Inc	Equities	45168D104	2,390,196	4,731	SH		SOLE		4,679	0	52
Illinois Tool Works Inc	Equities	452308109	1,064,004	4,060	SH		SOLE		3,602	0	458
Industrial Select Sector SPDR	Equities	81369Y704	8,039,989	59,362	SH		SOLE		59,004	0	358
Ingersoll Rand Inc.	Equities	45687V106	236,566	2,410	SH		SOLE		2,410	0	0
Intel Corp	Equities	458140100	1,246,336	53,126	SH		SOLE		52,526	0	600
Intercontinental Exchange Inc	Equities	45866F104	234,534	1,460	SH		SOLE		1,414	0	46
International Business Machines	Equities	459200101	3,640,524	16,467	SH		SOLE		16,467	0	0
Intuit Inc.	Equities	461202103	753,894	1,214	SH		SOLE		1,004	0	210
Invesco QQQ Trust	Equities	46090E103	22,079,799	45,240	SH		SOLE		41,603	207	3,430
Invesco Russell 1000 Dynamic Mu	Equities	46138J619	398,432	7,519	SH		SOLE		7,519	0	0
Invesco S&P 500 GARP ETF	Equities	46137V431	545,435	5,211	SH		SOLE		3,371	0	1,840
Invesco S&P 500 Low Volatility	Equities	46138E354	220,641	3,076	SH		SOLE		3,076	0	0
Invesco S&P SmallCap Informatio	Equities	46138E115	1,211,531	25,300	SH		SOLE		25,300	0	0
iShares 0-3 Month Treasury Bond	Equities	46436E718	21,453	213	SH		DFND		213	0	0
iShares 0-3 Month Treasury Bond	Equities	46436E718	17,579,568	174,539	SH		SOLE		167,157	283	7,099
iShares Core 1-5 Year USD Bond	Equities	46432F859	75,503	1,551	SH		DFND		1,551	0	0
iShares Core 1-5 Year USD Bond	Equities	46432F859	62,936,181	1,292,855	SH		SOLE		1,232,749	2,062	58,044
iShares Core MSCI EAFE	Equities	46432F842	5,527,579	70,821	SH		SOLE		70,821	0	0
iShares Core MSCI Emerging Mark	Equities	46434G103	1,791,881	31,212	SH		SOLE		31,212	0	0
iShares Core S&P Mid-Cap ETF	Equities	464287507	1,253,255	20,110	SH		SOLE		19,290	0	820
iShares Core Total USD Bond Mar	Equities	46434V613	580,566	12,321	SH		SOLE		12,146	0	175
iShares Dow Jones US Consumer S	Equities	464287580	1,224,828	13,928	SH		SOLE		13,928	0	0
iShares Dow Jones US Medical De	Equities	464288810	746,409	12,604	SH		SOLE		10,168	0	2,436
iShares Dow Jones US Pharmaceut	Equities	464288836	1,281,854	18,154	SH		SOLE		16,324	0	1,830
iShares ESG Advanced MSCI USA E	Equities	46436E767	9,961,473	202,964	SH		SOLE		196,565	0	6,399
iShares ESG Aware MSCI EM ETF	Equities	46434G863	358,384	9,843	SH		SOLE		7,894	0	1,949
iShares ESG Aware MSCI USA ETF	Equities	46435G425	4,462,608	35,367	SH		SOLE		31,966	0	3,401
iShares ESG Aware MSCI USA Smal	Equities	46435U663	414,018	9,900	SH		SOLE		7,641	0	2,259
iShares ESG Aware U.S. Aggregat	Equities	46435U549	736,673	15,161	SH		SOLE		13,274	0	1,887
iShares ESG MSCI EAFE ETF	Equities	46435G516	100,672,959	1,196,067	SH		SOLE		1,145,529	2,110	48,428
iShares Global Clean Energy	Equities	464288224	2,077,783	141,442	SH		SOLE		135,410	0	6,032
iShares Gold Trust	Equities	464285204	20,380,181	410,064	SH		SOLE		391,495	490	18,079
iShares iBonds Dec 2024 Term Co	Equities	46434VBG4	3,100,780	122,998	SH		SOLE		117,119	1,917	3,962
iShares iBonds Dec 2024 Term Mu	Equities	46435U697	338,360	12,964	SH		SOLE		12,964	0	0
iShares iBonds Dec 2025 Term Co	Equities	46434VBD1	4,766,239	189,890	SH		SOLE		179,799	1,946	8,145
iShares iBonds Dec 2025 Term Mu	Equities	46435U432	693,027	25,995	SH		SOLE		12,815	0	13,180
iShares iBonds Dec 2026 Term Co	Equities	46435GAA0	6,267,432	257,919	SH		SOLE		240,738	2,040	15,141
iShares iBonds Dec 2026 Term Mu	Equities	46435U259	794,433	30,966	SH		SOLE		20,355	0	10,611
iShares iBonds Dec 2027 Term Co	Equities	46435UAA9	5,953,347	244,290	SH		SOLE		228,061	2,064	14,165
iShares iBonds Dec 2027 Term Mu	Equities	46435U283	766,172	30,105	SH		SOLE		19,640	0	10,465
iShares iBonds Dec 2028 Term Co	Equities	46435U515	4,346,074	170,234	SH		SOLE		166,226	1,993	2,015
iShares iBonds Dec 2028 Term Mu	Equities	46435U325	490,815	19,150	SH		SOLE		8,555	0	10,595
iShares iBonds Dec 2029 Term Co	Equities	46436E205	1,252,331	53,268	SH		SOLE		51,118	2,150	0
iShares iBonds Dec 2030 Term Co	Equities	46436E726	232,186	10,473	SH		SOLE		10,473	0	0
iShares MSCI All Country Asia e	Equities	464288182	4,004,559	51,046	SH		SOLE		47,896	0	3,150
iShares MSCI Brazil ETF	Equities	464286400	8,426,266	285,733	SH		SOLE		271,834	546	13,353
iShares MSCI India	Equities	46429B598	13,572,229	231,885	SH		SOLE		220,534	461	10,890
iShares MSCI Taiwan ETF	Equities	46434G772	10,645,305	197,611	SH		SOLE		188,402	303	8,906
iShares MSCI USA ESG Select ETF	Equities	464288802	75,723,202	629,088	SH		SOLE		621,905	0	7,183
iShares National Amtfree Muni	Equities	464288414	1,742,534	16,041	SH		SOLE		16,041	0	0
iShares Russell 1000 Growth Ind	Equities	464287614	989,502	2,636	SH		SOLE		2,591	45	0
iShares Russell 1000 Value Inde	Equities	464287598	546,434	2,879	SH		SOLE		2,349	65	465
iShares Russell 2000 Growth Ind	Equities	464287648	274,060	965	SH		SOLE		295	0	670
iShares Russell Midcap Index	Equities	464287499	458,504	5,202	SH		SOLE		5,202	0	0
iShares S&P 500 Index	Equities	464287200	997,322	1,729	SH		SOLE		1,678	0	51
iShares S&P 500 Value ETF	Equities	464287408	522,698	2,651	SH		SOLE		185	0	2,466
iShares S&P SmallCap 600 Index	Equities	464287804	4,339,216	37,100	SH		SOLE		37,051	0	49
iShares Semiconductor ETF	Equities	464287523	4,888,508	21,200	SH		SOLE		18,988	133	2,079
iShares Tr MSCI EAFE Index Fund	Equities	464287465	553,129	6,614	SH		SOLE		5,809	0	805
iShares TR Russell 1000 ETF	Equities	464287622	995,044	3,165	SH		SOLE		0	0	3,165
iShares Tr Russell 2000 Index F	Equities	464287655	2,307,196	10,445	SH		SOLE		10,149	0	296
iShares Trust S & P 100 Index F	Equities	464287101	365,600	1,321	SH		SOLE		1,321	0	0
iShares U.S. Technology ETF	Equities	464287721	804,041	5,303	SH		SOLE		1,055	0	4,248
Johnson & Johnson	Equities	478160104	69,686	430	SH		DFND		430	0	0
Johnson & Johnson	Equities	478160104	6,281,121	38,758	SH		SOLE		38,119	0	639
Johnson Controls International	Equities	G51502105	208,616	2,688	SH		SOLE		2,688	0	0
JP Morgan Mkt Expansion Enhance	Equities	46641Q118	216,652	3,554	SH		SOLE		3,554	0	0
JPMorgan BetaBuilders Canada ET	Equities	46641Q225	1,471,608	20,358	SH		SOLE		19,124	0	1,234
JPMorgan BetaBuilders Japan ETF	Equities	46641Q217	10,585,985	178,576	SH		SOLE		169,197	349	9,030
JPMorgan Chase & Co	Equities	46625H100	771,958	3,661	SH		DFND		3,661	0	0
JPMorgan Chase & Co	Equities	46625H100	13,779,701	65,350	SH		SOLE		58,415	4,244	2,691
Keysight Technologies, Inc	Equities	49338L103	307,847	1,937	SH		SOLE		0	0	1,937
Kimberly Clark Corp	Equities	494368103	839,167	5,898	SH		SOLE		5,898	0	0
Kinder Morgan Inc	Equities	49456B101	566,498	25,645	SH		DFND		25,645	0	0
Kinder Morgan Inc	Equities	49456B101	2,570,017	116,343	SH		SOLE		105,119	0	11,224
KraneShares Global Carbon ETF	Equities	500767678	1,931,798	61,017	SH		SOLE		59,706	0	1,311
L3Harris Technologies Inc	Equities	502431109	725,504	3,050	SH		SOLE		3,050	0	0
Linde Plc	Equities	G54950103	1,399,584	2,935	SH		SOLE		2,900	0	35
Lockheed Martin Corp	Equities	539830109	392,240	671	SH		SOLE		610	0	61
Lowes Cos Inc	Equities	548661107	249,995	923	SH		SOLE		923	0	0
Manulife Finl Corp	Equities	56501R106	759,140	25,690	SH		DFND		25,690	0	0
Manulife Finl Corp	Equities	56501R106	2,855,682	96,639	SH		SOLE		88,884	0	7,755
Marathon Petroleum Corporation	Equities	56585A102	344,392	2,114	SH		SOLE		1,775	0	339
Mastercard Inc CL A	Equities	57636Q104	3,384,011	6,853	SH		SOLE		6,853	0	0
Materials Select Sector SPDR Tr	Equities	81369Y100	374,918	3,890	SH		SOLE		3,515	0	375
McDonalds Corp	Equities	580135101	538,983	1,770	SH		DFND		1,770	0	0
McDonalds Corp	Equities	580135101	3,670,564	12,054	SH		SOLE		11,053	0	1,001
Medtronics PLC	Equities	G5960L103	427,643	4,750	SH		DFND		4,750	0	0
Medtronics PLC	Equities	G5960L103	1,805,822	20,058	SH		SOLE		18,223	0	1,835
Merck & Co Inc New Com	Equities	58933Y105	4,778,491	42,079	SH		SOLE		41,701	0	378
Meta Platforms, Inc.	Equities	30303M102	1,029,247	1,798	SH		SOLE		1,642	0	156
Microsoft Corp	Equities	594918104	1,862,338	4,328	SH		DFND		4,328	0	0
Microsoft Corp	Equities	594918104	48,465,550	112,632	SH		SOLE		82,953	25,407	4,272
Mondelez International, Inc.	Equities	609207105	749,150	10,169	SH		SOLE		8,067	0	2,102
Monster Beverage Corporation	Equities	61174X109	200,333	3,840	SH		SOLE		3,840	0	0
Moody's Corp	Equities	615369105	873,246	1,840	SH		SOLE		1,840	0	0
MSA Safety Incorporated	Equities	553498106	320,631	1,808	SH		SOLE		1,808	0	0
Nestle S A Sponsored ADR	Equities	641069406	392,898	3,901	SH		DFND		3,901	0	0
Nestle S A Sponsored ADR	Equities	641069406	6,827,015	67,784	SH		SOLE		58,740	5,402	3,642
NextEra Energy Inc.	Equities	65339F101	425,186	5,030	SH		DFND		5,030	0	0
NextEra Energy Inc.	Equities	65339F101	10,025,512	118,603	SH		SOLE		103,993	8,253	6,357
Nike Inc Cl B	Equities	654106103	546,047	6,177	SH		SOLE		6,097	0	80
Novartis AG ADR	Equities	66987V109	202,320	1,759	SH		SOLE		1,634	0	125
Novo Nordisk A/S - Spons ADR	Equities	670100205	1,144,858	9,615	SH		SOLE		9,515	0	100
NVIDIA Corporation	Equities	67066G104	9,144,432	75,300	SH		SOLE		71,410	0	3,890
Oracle Corp	Equities	68389X105	2,199,864	12,910	SH		SOLE		12,910	0	0
Otis Worldwide Corporation	Equities	68902V107	248,417	2,390	SH		SOLE		2,390	0	0
Pacer US Cash Cows 100 ETF	Equities	69374H881	536,373	9,275	SH		SOLE		4,286	0	4,989
Paychex Inc	Equities	704326107	597,951	4,456	SH		SOLE		4,254	0	202
Pepsico Inc	Equities	713448108	95,228	560	SH		DFND		560	0	0
Pepsico Inc	Equities	713448108	5,098,099	29,980	SH		SOLE		28,651	0	1,329
Pfizer Inc	Equities	717081103	355,817	12,295	SH		DFND		12,295	0	0
Pfizer Inc	Equities	717081103	2,777,256	95,966	SH		SOLE		90,062	0	5,904
Philip Morris International Inc	Equities	718172109	242,800	2,000	SH		DFND		2,000	0	0
Philip Morris International Inc	Equities	718172109	1,684,546	13,876	SH		SOLE		11,209	0	2,667
Phillips 66	Equities	718546104	501,876	3,818	SH		SOLE		3,311	0	507
PNC Financial Services Group	Equities	693475105	759,918	4,111	SH		SOLE		4,111	0	0
Procter & Gamble Co	Equities	742718109	588,880	3,400	SH		DFND		3,400	0	0
Procter & Gamble Co	Equities	742718109	6,850,233	39,551	SH		SOLE		39,448	0	103
Prologis Inc COM	Equities	74340W103	124,260	984	SH		DFND		984	0	0
Prologis Inc COM	Equities	74340W103	5,895,761	46,688	SH		SOLE		40,741	3,583	2,364
Public Storage Inc	Equities	74460D109	727,740	2,000	SH		DFND		2,000	0	0
Public Storage Inc	Equities	74460D109	528,339	1,452	SH		SOLE		848	0	604
Qualcomm Inc	Equities	747525103	646,190	3,800	SH		SOLE		3,443	0	357
Raytheon Technologies Corp	Equities	75513E101	643,965	5,315	SH		DFND		5,315	0	0
Raytheon Technologies Corp	Equities	75513E101	10,881,501	89,812	SH		SOLE		78,206	7,429	4,177
Real Estate Select Sector SPDR	Equities	81369Y860	349,632	7,827	SH		SOLE		7,827	0	0
Roper Industries, Inc.	Equities	776696106	392,847	706	SH		SOLE		606	0	100
Ross Stores, Inc.	Equities	778296103	511,734	3,400	SH		SOLE		3,400	0	0
S&P Global Inc.	Equities	78409V104	797,145	1,543	SH		SOLE		1,433	0	110
Salesforce.com, Inc.	Equities	79466L302	19,160	70	SH		DFND		70	0	0
Salesforce.com, Inc.	Equities	79466L302	6,736,277	24,611	SH		SOLE		21,352	2,379	880
Schlumberger Ltd	Equities	806857108	4,908	117	SH		DFND		117	0	0
Schlumberger Ltd	Equities	806857108	1,161,596	27,690	SH		SOLE		27,364	0	326
Schwab 1000 Index ETF	Equities	808524722	200,260	3,622	SH		SOLE		3,622	0	0
Shopify, Inc	Equities	82509L107	227,357	2,837	SH		SOLE		2,837	0	0
SPDR Dow Jones Industrial Avera	Equities	78467X109	422,274	998	SH		SOLE		53	0	945
SPDR Gold Trust Gold Shs (MFC)	Equities	78463v107	955,712	3,932	SH		SOLE		3,932	0	0
SPDR Health Care Services	Equities	78464A573	648,552	6,693	SH		SOLE		6,600	0	93
SPDR Portfolio Long Term Treasu	Equities	78464A664	55,059	1,894	SH		DFND		1,894	0	0
SPDR Portfolio Long Term Treasu	Equities	78464A664	33,870,271	1,165,128	SH		SOLE		1,116,662	1,569	46,897
SPDR Portfolio S&P 500 ETF	Equities	78464A854	53,843,006	797,556	SH		SOLE		734,605	3,706	59,245
SPDR Portfolio S&P 600 Small Ca	Equities	78468R853	35,470,767	779,407	SH		SOLE		740,087	1,429	37,891
SPDR S&P 500 ETF Trust	Equities	78462F103	18,173,274	31,674	SH		SOLE		30,570	75	1,029
SPDR S&P 500 Fossil Fuel Reserv	Equities	78468R796	14,286,699	302,364	SH		SOLE		258,704	0	43,660
SPDR S&P Midcap 400 ETF Tr Ser	Equities	78467Y107	2,847,469	4,999	SH		SOLE		4,147	0	852
Sprott Inc	Equities	852066208	259,860	6,000	SH		SOLE		6,000	0	0
Starbucks Corp	Equities	855244109	531,613	5,453	SH		SOLE		5,353	0	100
Steel Dynamics, Inc.	Equities	858119100	10,843	86	SH		DFND		86	0	0
Steel Dynamics, Inc.	Equities	858119100	6,257,476	49,631	SH		SOLE		41,032	6,021	2,578
Stryker Corp	Equities	863667101	798,746	2,211	SH		SOLE		2,111	0	100
Sysco Corp	Equities	871829107	279,689	3,583	SH		SOLE		3,583	0	0
Taiwan Semiconductor Manufactur	Equities	874039100	394,405	2,271	SH		SOLE		1,921	0	350
Technology Select Sector SPDR	Equities	81369Y803	95,298,263	422,122	SH		SOLE		413,052	995	8,075
Tesla, Inc	Equities	88160R101	19,622	75	SH		DFND		75	0	0
Tesla, Inc	Equities	88160R101	1,020,357	3,900	SH		SOLE		1,968	600	1,332
Texas Instruments Inc	Equities	882508104	491,017	2,377	SH		DFND		2,377	0	0
Texas Instruments Inc	Equities	882508104	10,215,713	49,454	SH		SOLE		42,730	4,167	2,557
Textron Inc	Equities	883203101	265,740	3,000	SH		SOLE		3,000	0	0
The Walt Disney Company	Equities	254687106	329,643	3,427	SH		SOLE		3,427	0	0
Thermo Fisher Scientific Inc	Equities	883556102	4,949	8	SH		DFND		8	0	0
Thermo Fisher Scientific Inc	Equities	883556102	6,349,621	10,265	SH		SOLE		9,055	599	611
TJX Companies Inc (The)	Equities	872540109	655,050	5,573	SH		SOLE		5,445	0	128
Trane Technologies plc	Equities	G8994E103	932,952	2,400	SH		SOLE		2,400	0	0
Travelers Companies Inc (The)	Equities	89417E109	445,999	1,905	SH		SOLE		1,905	0	0
Tyler Technologies, Inc.	Equities	902252105	340,309	583	SH		SOLE		572	0	11
Uber Technologies, Inc.	Equities	90353T100	6,013	80	SH		DFND		80	0	0
Uber Technologies, Inc.	Equities	90353T100	5,811,747	77,325	SH		SOLE		66,116	6,457	4,752
Unilever PLC Sponsored ADR	Equities	904767704	551,186	8,485	SH		SOLE		8,025	0	460
Union Pacific Corp	Equities	907818108	1,793,388	7,276	SH		SOLE		7,203	0	73
United Parcel Service Inc Cl B	Equities	911312106	379,025	2,780	SH		DFND		2,780	0	0
United Parcel Service Inc Cl B	Equities	911312106	1,864,040	13,672	SH		SOLE		12,446	0	1,226
Unitedhealth Group Inc	Equities	91324P102	53,206	91	SH		DFND		91	0	0
Unitedhealth Group Inc	Equities	91324P102	8,217,677	14,055	SH		SOLE		11,575	1,871	609
Unum Group	Equities	91529Y106	211,547	3,559	SH		SOLE		3,559	0	0
US Bancorp	Equities	902973304	232,583	5,086	SH		SOLE		5,086	0	0
Utilities Select Sector SPDR	Equities	81369Y886	416,421	5,155	SH		SOLE		5,155	0	0
Vanguard 500 Index Fund	Equities	922908363	1,759,779	3,335	SH		SOLE		2,790	0	545
Vanguard Communication Services	Equities	92204A884	1,480,361	10,182	SH		SOLE		10,182	0	0
Vanguard Dividend Appreciation	Equities	921908844	242,227	1,223	SH		SOLE		1,034	0	189
Vanguard Emerging Markets ETF	Equities	922042858	503,430	10,521	SH		SOLE		10,033	0	488
Vanguard ESG International Stoc	Equities	921910725	14,512,669	235,940	SH		SOLE		220,016	0	15,924
Vanguard Extended Market Index	Equities	922908652	370,390	2,035	SH		SOLE		352	0	1,683
Vanguard FTSE All-World Ex-US I	Equities	922042775	7,221,375	114,625	SH		SOLE		92,664	0	21,961
Vanguard FTSE All-World ex-US S	Equities	922042718	15,141,652	120,210	SH		SOLE		114,802	187	5,221
Vanguard FTSE Developed Markets	Equities	921943858	322,405	6,105	SH		SOLE		5,753	0	352
Vanguard Growth ETF	Equities	922908736	619,279	1,613	SH		SOLE		1,090	0	523
Vanguard Mega Cap 300 Value Ind	Equities	921910840	385,353	3,004	SH		SOLE		3,004	0	0
Vanguard Mid-Cap ETF	Equities	922908629	5,398,210	20,461	SH		SOLE		18,976	0	1,485
Vanguard Small-Cap Growth ETF	Equities	922908595	263,894	987	SH		SOLE		467	0	520
Vanguard Small-Cap Value ETF	Equities	922908611	7,462,993	37,170	SH		SOLE		36,564	0	606
Vanguard Small-Cap Vipers	Equities	922908751	425,555	1,794	SH		SOLE		903	0	891
Vanguard ST Bond ETF	Equities	921937827	206,955	2,630	SH		SOLE		2,630	0	0
Vanguard Total Stock Market ETF	Equities	922908769	1,070,345	3,780	SH		SOLE		2,903	0	877
Vanguard Value ETF	Equities	922908744	443,059	2,538	SH		SOLE		2,538	0	0
VeriSign Inc	Equities	92343e102	452,865	2,384	SH		SOLE		2,384	0	0
Verizon Communications Inc	Equities	92343V104	1,196,223	26,636	SH		SOLE		24,394	0	2,242
Vertex Pharmaceuticals Inc	Equities	92532F100	562,747	1,210	SH		SOLE		1,210	0	0
Visa Inc - Class A Shares	Equities	92826C839	109,430	398	SH		DFND		398	0	0
Visa Inc - Class A Shares	Equities	92826C839	8,007,369	29,123	SH		SOLE		24,946	2,292	1,885
Wal Mart Stores Inc	Equities	931142103	878,399	10,878	SH		DFND		10,878	0	0
Wal Mart Stores Inc	Equities	931142103	6,461,777	80,022	SH		SOLE		75,888	0	4,134
Waste Management Inc	Equities	94106L109	698,366	3,364	SH		SOLE		2,699	0	665
WEC Energy Group Inc	Equities	92939U106	471,282	4,900	SH		DFND		4,900	0	0
WEC Energy Group Inc	Equities	92939U106	71,943	748	SH		SOLE		748	0	0
Wells Fargo & Co	Equities	949746101	411,078	7,277	SH		SOLE		7,277	0	0
Welltower Inc.	Equities	95040Q104	766,900	5,990	SH		DFND		5,990	0	0
Welltower Inc.	Equities	95040Q104	3,420,449	26,716	SH		SOLE		23,974	0	2,742
WEX Inc	Equities	96208T104	13,765,209	65,633	SH		SOLE		65,633	0	0
Whirlpool Corp	Equities	963320106	277,665	2,595	SH		SOLE		2,595	0	0
WisdomTree LargeCap Dividend Fu	Equities	97717W307	421,457	5,365	SH		SOLE		2,324	0	3,041
WisdomTree SmallCap Dividend Fu	Equities	97717W604	910,904	26,411	SH		SOLE		25,934	0	477
WisdomTree US Quality Dividend	Equities	97717X669	414,386	4,980	SH		SOLE		4,980	0	0
Yum Brands Inc	Equities	988498101	490,103	3,508	SH		SOLE		3,508	0	0
Zoetis Inc.	Equities	98978V103	259,855	1,330	SH		SOLE		1,237	0	93