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	2,568	76,459	SH		SOLE		76,459	0	0
AT&T INC	COMMON STOCK	00206R102	78	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	5,008	111,230	SH		SOLE		111,230	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	419	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	316	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,612	32,728	SH		SOLE		32,728	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	443	9,000	SH		DFND		9,000	0	0
AMEREN CORP	COMMON STOCK	023608102	545	11,825	SH		SOLE		11,825	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	820	13,500	SH		SOLE		13,500	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	61	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,619	17,400	SH		SOLE		17,400	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	274	2,944	SH		DFND		2,944	0	0
AMETEK INC	COMMON STOCK	031100100	710	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,528	31,965	SH		SOLE		31,965	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	215	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	1,085	28,463	SH		SOLE		28,463	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	38	1,000	SH		DFND		1,000	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,413	79,000	SH		SOLE		79,000	0	0
BAXTER INTL	COMMON STOCK	071813109	161	2,200	SH		SOLE		2,200	0	0
BAXTER INTL	COMMON STOCK	071813109	132	1,800	SH		DFND		1,800	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	47,008	208	SH		SOLE		208	0	0
BOEING CO	COMMON STOCK	097023105	393	3,020	SH		SOLE		3,020	0	0
BOEING CO	COMMON STOCK	097023105	65	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	2,239	37,932	SH		SOLE		37,932	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	89	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	240	2,617	SH		SOLE		2,617	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	183	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,452	30,769	SH		SOLE		30,769	0	0
CHEVRON CORP	COMMON STOCK	166764100	34	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	428	15,398	SH		SOLE		15,398	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	143	5,130	SH		DFND		5,130	0	0
CLOROX CO	COMMON STOCK	189054109	245	2,350	SH		SOLE		2,350	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,113	97,412	SH		SOLE		97,412	0	0
COCA-COLA CO	COMMON STOCK	191216100	587	13,900	SH		DFND		13,900	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	228	3,927	SH		SOLE		3,927	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	74	1,278	SH		DFND		1,278	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	1,860	26,932	SH		SOLE		26,932	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,772	26,847	SH		SOLE		26,847	0	0
WALT DISNEY	COMMON STOCK	254687106	16,730	177,616	SH		SOLE		177,616	0	0
WALT DISNEY	COMMON STOCK	254687106	113	1,200	SH		DFND		1,200	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	1,272	27,878	SH		SOLE		27,878	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	11	250	SH		DFND		250	0	0
DREYFUS STRATEGIC MUNI INC	CLOSED END FUND - TAX EXEMPT	261932107	225	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	202	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	2,975	40,232	SH		SOLE		40,232	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	15	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,111	18,000	SH		SOLE		18,000	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	489	13,529	SH		SOLE		13,529	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,160	44,996	SH		SOLE		44,996	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,620	17,525	SH		DFND		17,525	0	0
FORD MOTOR	COMMON STOCK	345370860	1,874	120,930	SH		SOLE		120,930	0	0
FORD MOTOR	COMMON STOCK	345370860	31	2,000	SH		DFND		2,000	0	0
FREEPORT-MCMORAN INC	COMMON STOCK	35671D857	469	20,092	SH		SOLE		20,092	0	0
GANNETT CO	COMMON STOCK	364730101	247	7,745	SH		SOLE		7,745	0	0
GANNETT CO	COMMON STOCK	364730101	16	500	SH		DFND		500	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	5,217	206,432	SH		SOLE		206,432	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	645	25,520	SH		DFND		25,520	0	0
GENERAL MILLS	COMMON STOCK	370334104	1,125	21,101	SH		SOLE		21,101	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	420	15,550	SH		SOLE		15,550	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	96	2,400	SH		SOLE		2,400	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	388	9,675	SH		DFND		9,675	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,702	16,210	SH		SOLE		16,210	0	0
HOME DEPOT INC	COMMON STOCK	437076102	63	600	SH		DFND		600	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	35	350	SH		SOLE		350	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	180	1,800	SH		DFND		1,800	0	0
HOSPIRA INC	COMMON STOCK	441060100	628	10,245	SH		SOLE		10,245	0	0
HOSPIRA INC	COMMON STOCK	441060100	52	850	SH		DFND		850	0	0
HUBBELL INC	COMMON STOCK	443510201	769	7,200	SH		SOLE		7,200	0	0
HUBBELL INC	COMMON STOCK	443510201	272	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	3,907	107,670	SH		SOLE		107,670	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	846	5,276	SH		SOLE		5,276	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	290	1,805	SH		DFND		1,805	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	2,369	29,831	SH		SOLE		29,831	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	454	4,053	SH		SOLE		4,053	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	6	50	SH		DFND		50	0	0
ISHARES CHINA LARGE CAP ETF	ETF - EQUITY	464287184	3,398	81,665	SH		SOLE		81,665	0	0
ISHARES CHINA LARGE CAP ETF	ETF - EQUITY	464287184	170	4,080	SH		DFND		4,080	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	14,348	130,298	SH		SOLE		130,298	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,390	12,620	SH		DFND		12,620	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	930	23,666	SH		SOLE		23,666	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	113	2,885	SH		DFND		2,885	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	5,042	42,229	SH		SOLE		42,229	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	502	4,205	SH		DFND		4,205	0	0
ISHARES GLOBAL TELECOMM ETF	ETF - EQUITY	464287275	225	3,750	SH		SOLE		3,750	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,235	20,303	SH		SOLE		20,303	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	117	1,915	SH		DFND		1,915	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	202	1,690	SH		SOLE		1,690	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	1,256	16,349	SH		SOLE		16,349	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	1,930	16,919	SH		SOLE		16,919	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	301	2,635	SH		DFND		2,635	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	1,078	17,227	SH		SOLE		17,227	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	30	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,302	22,017	SH		SOLE		22,017	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	993	9,500	SH		DFND		9,500	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,218	10,545	SH		SOLE		10,545	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	40	350	SH		DFND		350	0	0
KROGER CO	COMMON STOCK	501044101	1,034	16,100	SH		DFND		16,100	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	1,604	23,253	SH		SOLE		23,253	0	0
MC DONALDS	COMMON STOCK	580135101	1,520	16,226	SH		SOLE		16,226	0	0
MICROSOFT CORP	COMMON STOCK	594918104	3,203	68,966	SH		SOLE		68,966	0	0
MICROSOFT CORP	COMMON STOCK	594918104	42	900	SH		DFND		900	0	0
NIKE INC CL B	COMMON STOCK	654106103	257	2,670	SH		SOLE		2,670	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	313	2,852	SH		SOLE		2,852	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	206	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	196	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	475	10,565	SH		SOLE		10,565	0	0
PNC FINANCIAL SERVICES GROUP	COMMON STOCK	693475105	474	5,198	SH		SOLE		5,198	0	0
PPL CORP	COMMON STOCK	69351T106	1,696	46,705	SH		SOLE		46,705	0	0
PEPSICO INC	COMMON STOCK	713448108	1,743	18,429	SH		SOLE		18,429	0	0
PEPSICO INC	COMMON STOCK	713448108	130	1,370	SH		DFND		1,370	0	0
PFIZER INC	COMMON STOCK	717081103	4,034	129,536	SH		SOLE		129,536	0	0
PFIZER INC	COMMON STOCK	717081103	310	9,940	SH		DFND		9,940	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	218	5,105	SH		SOLE		5,105	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	15	342	SH		DFND		342	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	650	2,700	SH		SOLE		2,700	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	15,476	169,897	SH		SOLE		169,897	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	282	3,100	SH		DFND		3,100	0	0
QUALCOMM CORP	COMMON STOCK	747525103	10,181	136,969	SH		SOLE		136,969	0	0
RAYTHEON CO	COMMON STOCK	755111507	229	2,117	SH		SOLE		2,117	0	0
RAYTHEON CO	COMMON STOCK	755111507	216	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	279	4,169	SH		SOLE		4,169	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	193	2,877	SH		DFND		2,877	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	65,914	320,688	SH		SOLE		320,688	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,560	12,455	SH		DFND		12,455	0	0
SCHWAB (CHARLES) CORP	COMMON STOCK	808513105	273	9,050	SH		SOLE		9,050	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	3,993	58,393	SH		SOLE		58,393	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	139	2,032	SH		DFND		2,032	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	1,623	33,469	SH		SOLE		33,469	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	80	1,650	SH		DFND		1,650	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	1,654	22,932	SH		SOLE		22,932	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	83	1,150	SH		DFND		1,150	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	440	5,558	SH		SOLE		5,558	0	0
AMEX FINANCIAL SELECT INDEX	ETF - EQUITY	81369Y605	3,851	155,789	SH		SOLE		155,789	0	0
AMEX FINANCIAL SELECT INDEX	ETF - EQUITY	81369Y605	172	6,970	SH		DFND		6,970	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	7,174	173,532	SH		SOLE		173,532	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	273	6,596	SH		DFND		6,596	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	850	18,000	SH		SOLE		18,000	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	24	500	SH		DFND		500	0	0
TARGET CORP	COMMON STOCK	87612E106	169	2,230	SH		SOLE		2,230	0	0
TARGET CORP	COMMON STOCK	87612E106	228	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	413	2,512	SH		SOLE		2,512	0	0
3M CO	COMMON STOCK	88579Y101	82	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	237	5,274	SH		SOLE		5,274	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	392	3,294	SH		SOLE		3,294	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	572	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	408	3,674	SH		SOLE		3,674	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,803	59,926	SH		SOLE		59,926	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	91	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	309	3,595	SH		SOLE		3,595	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	43	500	SH		DFND		500	0	0
WALGREEN CO	COMMON STOCK	931422109	259	3,400	SH		SOLE		3,400	0	0
WALGREEN CO	COMMON STOCK	931422109	122	1,600	SH		DFND		1,600	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	361	7,040	SH		SOLE		7,040	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	518	9,449	SH		SOLE		9,449	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	664	6,000	SH		DFND		6,000	0	0