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

OMB Number:		3235-0006
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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	2,536	71,972	SH		SOLE		71,972	0	0
AT&T INC	COMMON STOCK	00206R102	82	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,626	111,230	SH		SOLE		111,230	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	387	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	322	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,333	29,031	SH		SOLE		29,031	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	459	10,000	SH		DFND		10,000	0	0
AMEREN CORP	COMMON STOCK	023608102	453	11,825	SH		SOLE		11,825	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	705	13,515	SH		SOLE		13,515	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	52	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,523	17,400	SH		SOLE		17,400	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	258	2,944	SH		DFND		2,944	0	0
AMETEK INC	COMMON STOCK	031100100	677	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,423	33,971	SH		SOLE		33,971	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	214	2,575	SH		SOLE		2,575	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	33	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	629	14,308	SH		SOLE		14,308	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,369	80,325	SH		SOLE		80,325	0	0
BAXTER INTL	COMMON STOCK	071813109	158	2,200	SH		SOLE		2,200	0	0
BAXTER INTL	COMMON STOCK	071813109	129	1,800	SH		DFND		1,800	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	43,035	208	SH		SOLE		208	0	0
BOEING CO	COMMON STOCK	097023105	385	3,020	SH		SOLE		3,020	0	0
BOEING CO	COMMON STOCK	097023105	64	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	1,908	37,282	SH		SOLE		37,282	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	77	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	256	2,584	SH		SOLE		2,584	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	198	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,002	25,157	SH		SOLE		25,157	0	0
CHEVRON CORP	COMMON STOCK	166764100	36	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	390	15,498	SH		SOLE		15,498	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	129	5,130	SH		DFND		5,130	0	0
CLOROX CO	COMMON STOCK	189054109	226	2,350	SH		SOLE		2,350	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,167	97,712	SH		SOLE		97,712	0	0
COCA-COLA CO	COMMON STOCK	191216100	593	13,900	SH		DFND		13,900	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	211	3,927	SH		SOLE		3,927	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	69	1,278	SH		DFND		1,278	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,550	20,251	SH		SOLE		20,251	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,236	21,827	SH		SOLE		21,827	0	0
WALT DISNEY	COMMON STOCK	254687106	15,922	178,843	SH		SOLE		178,843	0	0
WALT DISNEY	COMMON STOCK	254687106	107	1,200	SH		DFND		1,200	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	1,462	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	230	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	191	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	2,798	38,995	SH		SOLE		38,995	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	14	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,126	18,000	SH		SOLE		18,000	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	802	19,909	SH		SOLE		19,909	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	3,854	40,976	SH		SOLE		40,976	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,648	17,525	SH		DFND		17,525	0	0
FORD MOTOR	COMMON STOCK	345370860	1,789	120,930	SH		SOLE		120,930	0	0
FORD MOTOR	COMMON STOCK	345370860	30	2,000	SH		DFND		2,000	0	0
FREEPORT-MCMORAN INC	COMMON STOCK	35671D857	997	30,532	SH		SOLE		30,532	0	0
GANNETT CO	COMMON STOCK	364730101	230	7,745	SH		SOLE		7,745	0	0
GANNETT CO	COMMON STOCK	364730101	15	500	SH		DFND		500	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	5,140	200,691	SH		SOLE		200,691	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	654	25,520	SH		DFND		25,520	0	0
GENERAL MILLS	COMMON STOCK	370334104	836	16,581	SH		SOLE		16,581	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	454	18,950	SH		SOLE		18,950	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	85	2,400	SH		SOLE		2,400	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	343	9,675	SH		DFND		9,675	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,511	16,475	SH		SOLE		16,475	0	0
HOME DEPOT INC	COMMON STOCK	437076102	55	600	SH		DFND		600	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	79	850	SH		SOLE		850	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	168	1,800	SH		DFND		1,800	0	0
HOSPIRA INC	COMMON STOCK	441060100	533	10,245	SH		SOLE		10,245	0	0
HOSPIRA INC	COMMON STOCK	441060100	44	850	SH		DFND		850	0	0
HUBBELL INC	COMMON STOCK	443510201	868	7,200	SH		SOLE		7,200	0	0
HUBBELL INC	COMMON STOCK	443510201	307	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	3,558	102,222	SH		SOLE		102,222	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	1,002	5,276	SH		SOLE		5,276	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	343	1,805	SH		DFND		1,805	0	0
ISHARES MSCI CANADA INDEX FD	ETF - EQUITY	464286509	3,050	99,417	SH		SOLE		99,417	0	0
ISHARES MSCI CANADA INDEX FD	ETF - EQUITY	464286509	124	4,055	SH		DFND		4,055	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,979	26,799	SH		SOLE		26,799	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	594	5,303	SH		SOLE		5,303	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	11,841	108,528	SH		SOLE		108,528	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,174	10,760	SH		DFND		10,760	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	6,677	160,663	SH		SOLE		160,663	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	379	9,110	SH		DFND		9,110	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	2,869	24,269	SH		SOLE		24,269	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	317	2,685	SH		DFND		2,685	0	0
ISHARES GLOBAL TELECOMM ETF	ETF - EQUITY	464287275	236	3,750	SH		SOLE		3,750	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,366	21,313	SH		SOLE		21,313	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	138	2,150	SH		DFND		2,150	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	185	1,690	SH		SOLE		1,690	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	51	470	SH		DFND		470	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	883	12,764	SH		SOLE		12,764	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	1,834	17,584	SH		SOLE		17,584	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	290	2,780	SH		DFND		2,780	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	1,052	17,463	SH		SOLE		17,463	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	29	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,362	22,157	SH		SOLE		22,157	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,013	9,500	SH		DFND		9,500	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,134	10,545	SH		SOLE		10,545	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	38	350	SH		DFND		350	0	0
KROGER CO	COMMON STOCK	501044101	837	16,100	SH		DFND		16,100	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	1,272	19,613	SH		SOLE		19,613	0	0
MC DONALDS	COMMON STOCK	580135101	1,531	16,146	SH		SOLE		16,146	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,985	64,386	SH		SOLE		64,386	0	0
MICROSOFT CORP	COMMON STOCK	594918104	42	900	SH		DFND		900	0	0
NIKE INC CL B	COMMON STOCK	654106103	238	2,670	SH		SOLE		2,670	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	329	2,952	SH		SOLE		2,952	0	0
NUVEEN EQUITY PREM INCOME FD	CLOSED END FUND - EQUITY	6706ER101	154	12,100	SH		SOLE		12,100	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	203	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	404	10,565	SH		SOLE		10,565	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	445	5,198	SH		SOLE		5,198	0	0
PPL CORP	COMMON STOCK	69351T106	1,317	40,095	SH		SOLE		40,095	0	0
PEPSICO INC	COMMON STOCK	713448108	1,730	18,584	SH		SOLE		18,584	0	0
PEPSICO INC	COMMON STOCK	713448108	128	1,370	SH		DFND		1,370	0	0
PFIZER INC	COMMON STOCK	717081103	3,547	119,989	SH		SOLE		119,989	0	0
PFIZER INC	COMMON STOCK	717081103	294	9,940	SH		DFND		9,940	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	640	2,700	SH		SOLE		2,700	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	14,231	169,942	SH		SOLE		169,942	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	260	3,100	SH		DFND		3,100	0	0
QUALCOMM CORP	COMMON STOCK	747525103	10,413	139,269	SH		SOLE		139,269	0	0
RAYTHEON CO	COMMON STOCK	755111507	215	2,117	SH		SOLE		2,117	0	0
RAYTHEON CO	COMMON STOCK	755111507	203	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	23	304	SH		SOLE		304	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	181	2,377	SH		DFND		2,377	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	60,747	308,331	SH		SOLE		308,331	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,700	13,705	SH		DFND		13,705	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	132	1,300	SH		SOLE		1,300	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	122	1,200	SH		DFND		1,200	0	0
SCHWAB (CHARLES) CORP	COMMON STOCK	808513105	297	10,110	SH		SOLE		10,110	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	3,788	59,273	SH		SOLE		59,273	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	131	2,057	SH		DFND		2,057	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	421	4,643	SH		SOLE		4,643	0	0
AMEX FINANCIAL SELECT INDEX	ETF - EQUITY	81369Y605	3,388	146,292	SH		SOLE		146,292	0	0
AMEX FINANCIAL SELECT INDEX	ETF - EQUITY	81369Y605	128	5,530	SH		DFND		5,530	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	6,792	170,274	SH		SOLE		170,274	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	263	6,591	SH		DFND		6,591	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	458	10,890	SH		SOLE		10,890	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	21	500	SH		DFND		500	0	0
TARGET CORP	COMMON STOCK	87612E106	149	2,380	SH		SOLE		2,380	0	0
TARGET CORP	COMMON STOCK	87612E106	188	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	1,260	8,891	SH		SOLE		8,891	0	0
3M CO	COMMON STOCK	88579Y101	71	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	221	5,274	SH		SOLE		5,274	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	390	3,594	SH		SOLE		3,594	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	520	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	361	3,674	SH		SOLE		3,674	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,789	55,800	SH		SOLE		55,800	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	97	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	351	4,595	SH		SOLE		4,595	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	38	500	SH		DFND		500	0	0
WALGREEN CO	COMMON STOCK	931422109	202	3,400	SH		SOLE		3,400	0	0
WALGREEN CO	COMMON STOCK	931422109	95	1,600	SH		DFND		1,600	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	335	7,040	SH		SOLE		7,040	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	296	5,716	SH		SOLE		5,716	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	584	6,000	SH		DFND		6,000	0	0
WHIRLPOOL CORP	COMMON STOCK	963320106	401	2,750	SH		SOLE		2,750	0	0