Cit Bank, Na Wealth Management 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

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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
AT&T INC	COMMON STOCK	00206R102	2,533	71,632	SH		SOLE		71,632	0	0
AT&T INC	COMMON STOCK	00206R102	82	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,602	112,512	SH		SOLE		112,512	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	380	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	298	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,213	28,936	SH		SOLE		28,936	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	419	10,000	SH		DFND		10,000	0	0
AMEREN CORP	COMMON STOCK	023608102	483	11,825	SH		SOLE		11,825	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	754	13,515	SH		SOLE		13,515	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	56	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,651	17,400	SH		SOLE		17,400	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	284	2,994	SH		DFND		2,994	0	0
AMETEK INC	COMMON STOCK	031100100	705	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,017	32,466	SH		SOLE		32,466	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	214	2,700	SH		SOLE		2,700	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	32	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	755	14,308	SH		SOLE		14,308	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,235	80,325	SH		SOLE		80,325	0	0
BAXTER INTL	COMMON STOCK	071813109	159	2,200	SH		SOLE		2,200	0	0
BAXTER INTL	COMMON STOCK	071813109	130	1,800	SH		DFND		1,800	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	1,329	7	SH		SOLE		7	0	0
BOEING CO	COMMON STOCK	097023105	359	2,820	SH		SOLE		2,820	0	0
BOEING CO	COMMON STOCK	097023105	64	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	1,805	37,217	SH		SOLE		37,217	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	73	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	346	3,184	SH		SOLE		3,184	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	217	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,188	24,422	SH		SOLE		24,422	0	0
CHEVRON CORP	COMMON STOCK	166764100	39	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	405	16,298	SH		SOLE		16,298	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	127	5,130	SH		DFND		5,130	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,175	98,562	SH		SOLE		98,562	0	0
COCA-COLA CO	COMMON STOCK	191216100	589	13,900	SH		DFND		13,900	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	251	4,677	SH		SOLE		4,677	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	69	1,278	SH		DFND		1,278	0	0
CONAGRA INC	COMMON STOCK	205887102	233	7,858	SH		SOLE		7,858	0	0
CONAGRA INC	COMMON STOCK	205887102	15	500	SH		DFND		500	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,741	20,311	SH		SOLE		20,311	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,111	19,247	SH		SOLE		19,247	0	0
WALT DISNEY	COMMON STOCK	254687106	15,296	178,397	SH		SOLE		178,397	0	0
WALT DISNEY	COMMON STOCK	254687106	103	1,200	SH		DFND		1,200	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	1,434	27,878	SH		SOLE		27,878	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	13	250	SH		DFND		250	0	0
DREYFUS STRATEGIC MUNI INC	CLOSED END FUND - TAX EXEMPT	261932107	232	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	196	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	2,559	39,110	SH		SOLE		39,110	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	13	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,188	17,900	SH		SOLE		17,900	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	469	5,990	SH		SOLE		5,990	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,229	42,000	SH		SOLE		42,000	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,775	17,629	SH		DFND		17,629	0	0
FORD MOTOR	COMMON STOCK	345370860	2,144	124,430	SH		SOLE		124,430	0	0
FORD MOTOR	COMMON STOCK	345370860	34	2,000	SH		DFND		2,000	0	0
FREEPORT-MCMORAN COPPER CL B	COMMON STOCK	35671D857	1,074	29,437	SH		SOLE		29,437	0	0
GANNETT CO	COMMON STOCK	364730101	270	8,615	SH		SOLE		8,615	0	0
GANNETT CO	COMMON STOCK	364730101	16	500	SH		DFND		500	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	5,211	198,366	SH		SOLE		198,366	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	670	25,520	SH		DFND		25,520	0	0
GENERAL MILLS	COMMON STOCK	370334104	858	16,336	SH		SOLE		16,336	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	404	18,950	SH		SOLE		18,950	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	81	2,400	SH		SOLE		2,400	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	532	15,810	SH		DFND		15,810	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,334	16,475	SH		SOLE		16,475	0	0
HOME DEPOT INC	COMMON STOCK	437076102	65	800	SH		DFND		800	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	79	850	SH		SOLE		850	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	167	1,800	SH		DFND		1,800	0	0
HOSPIRA INC	COMMON STOCK	441060100	533	10,379	SH		SOLE		10,379	0	0
HOSPIRA INC	COMMON STOCK	441060100	44	850	SH		DFND		850	0	0
HUBBELL INC	COMMON STOCK	443510201	887	7,200	SH		SOLE		7,200	0	0
HUBBELL INC	COMMON STOCK	443510201	314	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	3,079	99,682	SH		SOLE		99,682	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	948	5,231	SH		SOLE		5,231	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	332	1,830	SH		DFND		1,830	0	0
ISHARES MSCI EMU	ETF - EQUITY	464286608	6,100	144,187	SH		SOLE		144,187	0	0
ISHARES MSCI EMU	ETF - EQUITY	464286608	211	4,993	SH		DFND		4,993	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	2,168	28,164	SH		SOLE		28,164	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	588	5,093	SH		SOLE		5,093	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	6	50	SH		DFND		50	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	12,121	110,792	SH		SOLE		110,792	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,177	10,760	SH		DFND		10,760	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	1,042	24,118	SH		SOLE		24,118	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	145	3,360	SH		DFND		3,360	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	2,967	24,883	SH		SOLE		24,883	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	320	2,685	SH		DFND		2,685	0	0
ISHARES S&P GLOBAL ENERGY SECTOR INDEX FUND	ETF - EQUITY	464287341	172	3,539	SH		SOLE		3,539	0	0
ISHARES S&P GLOBAL ENERGY SECTOR INDEX FUND	ETF - EQUITY	464287341	44	900	SH		DFND		900	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,398	20,451	SH		SOLE		20,451	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	148	2,160	SH		DFND		2,160	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	205	1,725	SH		SOLE		1,725	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	56	470	SH		DFND		470	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	4,015	55,929	SH		SOLE		55,929	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	101	1,405	SH		DFND		1,405	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	1,950	17,398	SH		SOLE		17,398	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	312	2,780	SH		DFND		2,780	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	924	16,033	SH		SOLE		16,033	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	28	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,363	22,589	SH		SOLE		22,589	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	994	9,500	SH		DFND		9,500	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,173	10,545	SH		SOLE		10,545	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	44	400	SH		DFND		400	0	0
KROGER CO	COMMON STOCK	501044101	796	16,100	SH		DFND		16,100	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	1,222	19,663	SH		SOLE		19,663	0	0
MC DONALDS	COMMON STOCK	580135101	1,336	13,266	SH		SOLE		13,266	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,584	61,973	SH		SOLE		61,973	0	0
MICROSOFT CORP	COMMON STOCK	594918104	38	900	SH		DFND		900	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	304	2,952	SH		SOLE		2,952	0	0
NUVEEN EQUITY PREM INCOME FD	CLOSED END FUND - EQUITY	6706ER101	159	12,100	SH		SOLE		12,100	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	205	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	192	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	503	12,425	SH		SOLE		12,425	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	463	5,198	SH		SOLE		5,198	0	0
PPL CORP	COMMON STOCK	69351T106	1,424	40,095	SH		SOLE		40,095	0	0
PEPSICO INC	COMMON STOCK	713448108	1,549	17,334	SH		SOLE		17,334	0	0
PEPSICO INC	COMMON STOCK	713448108	127	1,420	SH		DFND		1,420	0	0
PFIZER INC	COMMON STOCK	717081103	3,519	118,554	SH		SOLE		118,554	0	0
PFIZER INC	COMMON STOCK	717081103	295	9,940	SH		DFND		9,940	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	656	2,600	SH		SOLE		2,600	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	13,314	169,407	SH		SOLE		169,407	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	244	3,100	SH		DFND		3,100	0	0
QUALCOMM CORP	COMMON STOCK	747525103	10,994	138,819	SH		SOLE		138,819	0	0
RAYTHEON CO	COMMON STOCK	755111507	218	2,367	SH		SOLE		2,367	0	0
RAYTHEON CO	COMMON STOCK	755111507	185	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	32	384	SH		SOLE		384	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	196	2,377	SH		DFND		2,377	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	55,485	283,492	SH		SOLE		283,492	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,667	13,625	SH		DFND		13,625	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	153	1,300	SH		SOLE		1,300	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	142	1,200	SH		DFND		1,200	0	0
SCHWAB (CHARLES) CORP	COMMON STOCK	808513105	381	14,160	SH		SOLE		14,160	0	0
MATERIALS SELECT SECTOR SPDR	ETF - EQUITY	81369Y100	3,340	67,299	SH		SOLE		67,299	0	0
MATERIALS SELECT SECTOR SPDR	ETF - EQUITY	81369Y100	103	2,069	SH		DFND		2,069	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	3,504	57,612	SH		SOLE		57,612	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	104	1,702	SH		DFND		1,702	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	3,879	38,750	SH		SOLE		38,750	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	106	1,060	SH		DFND		1,060	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	3,345	87,247	SH		SOLE		87,247	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	105	2,746	SH		DFND		2,746	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	461	10,421	SH		SOLE		10,421	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	22	500	SH		DFND		500	0	0
TARGET CORP	COMMON STOCK	87612E106	138	2,380	SH		SOLE		2,380	0	0
TARGET CORP	COMMON STOCK	87612E106	174	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	1,297	9,056	SH		SOLE		9,056	0	0
3M CO	COMMON STOCK	88579Y101	72	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	222	5,119	SH		SOLE		5,119	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	528	5,294	SH		SOLE		5,294	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	479	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	372	3,624	SH		SOLE		3,624	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,772	56,659	SH		SOLE		56,659	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	95	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	766	10,200	SH		SOLE		10,200	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	38	500	SH		DFND		500	0	0
WALGREEN CO	COMMON STOCK	931422109	252	3,400	SH		SOLE		3,400	0	0
WALGREEN CO	COMMON STOCK	931422109	119	1,600	SH		DFND		1,600	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	310	6,940	SH		SOLE		6,940	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	283	5,386	SH		SOLE		5,386	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	554	6,000	SH		DFND		6,000	0	0
WHIRLPOOL CORP	COMMON STOCK	963320106	383	2,750	SH		SOLE		2,750	0	0