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	2,392	73,447	SH		SOLE		73,447	0	0
AT&T INC	COMMON STOCK	00206R102	76	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,474	111,230	SH		SOLE		111,230	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	374	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	193	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,551	28,516	SH		SOLE		28,516	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	490	9,000	SH		DFND		9,000	0	0
AMAZON.COM INC	COMMON STOCK	023135106	273	534	SH		SOLE		534	0	0
AMEREN CORP	COMMON STOCK	023608102	429	10,150	SH		SOLE		10,150	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	749	13,165	SH		SOLE		13,165	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	57	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,290	17,400	SH		SOLE		17,400	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	207	2,794	SH		DFND		2,794	0	0
AMETEK INC	COMMON STOCK	031100100	705	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,214	29,140	SH		SOLE		29,140	0	0
APPLE INC	COMMON STOCK	037833100	15	135	SH		DFND		135	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	207	2,575	SH		SOLE		2,575	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	32	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	862	28,208	SH		SOLE		28,208	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	31	1,000	SH		DFND		1,000	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,169	75,000	SH		SOLE		75,000	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	37,291	191	SH		SOLE		191	0	0
BOEING CO	COMMON STOCK	097023105	369	2,820	SH		SOLE		2,820	0	0
BOEING CO	COMMON STOCK	097023105	65	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	2,029	34,267	SH		SOLE		34,267	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	89	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	179	2,734	SH		SOLE		2,734	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	131	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	2,654	33,649	SH		SOLE		33,649	0	0
CHEVRON CORP	COMMON STOCK	166764100	24	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,137	43,303	SH		SOLE		43,303	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	134	5,100	SH		DFND		5,100	0	0
CLOROX CO	COMMON STOCK	189054109	237	2,050	SH		SOLE		2,050	0	0
COCA-COLA CO	COMMON STOCK	191216100	3,842	95,780	SH		SOLE		95,780	0	0
COCA-COLA CO	COMMON STOCK	191216100	556	13,850	SH		DFND		13,850	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	130	2,277	SH		SOLE		2,277	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	73	1,278	SH		DFND		1,278	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	767	16,003	SH		SOLE		16,003	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,648	24,650	SH		SOLE		24,650	0	0
WALT DISNEY	COMMON STOCK	254687106	17,876	174,914	SH		SOLE		174,914	0	0
WALT DISNEY	COMMON STOCK	254687106	123	1,200	SH		DFND		1,200	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	1,975	46,573	SH		SOLE		46,573	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	198	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	1,186	24,599	SH		SOLE		24,599	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	10	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,446	32,750	SH		SOLE		32,750	0	0
ENTERPRISE PRODUCTS PARTNERS LP	EXCHANGE TRADED LP	293792107	214	8,614	SH		SOLE		8,614	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	3,884	52,242	SH		SOLE		52,242	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,300	17,485	SH		DFND		17,485	0	0
FORD MOTOR	COMMON STOCK	345370860	1,617	119,190	SH		SOLE		119,190	0	0
FORD MOTOR	COMMON STOCK	345370860	27	2,000	SH		DFND		2,000	0	0
FREEPORT-MCMORAN INC	COMMON STOCK	35671D857	196	20,270	SH		SOLE		20,270	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	4,972	197,218	SH		SOLE		197,218	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	643	25,520	SH		DFND		25,520	0	0
GENERAL MILLS	COMMON STOCK	370334104	279	4,975	SH		SOLE		4,975	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	310	15,550	SH		SOLE		15,550	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	49	1,900	SH		SOLE		1,900	0	0
HEWLETT PACKARD CO	COMMON STOCK	428236103	248	9,675	SH		DFND		9,675	0	0
HOME DEPOT INC	COMMON STOCK	437076102	1,872	16,210	SH		SOLE		16,210	0	0
HOME DEPOT INC	COMMON STOCK	437076102	52	450	SH		DFND		450	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	40	425	SH		SOLE		425	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	170	1,800	SH		DFND		1,800	0	0
HUBBELL INC	COMMON STOCK	443510201	612	7,200	SH		SOLE		7,200	0	0
HUBBELL INC	COMMON STOCK	443510201	216	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	2,957	98,130	SH		SOLE		98,130	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	721	4,971	SH		SOLE		4,971	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	236	1,625	SH		DFND		1,625	0	0
INTL PAPER	COMMON STOCK	460146103	670	17,727	SH		SOLE		17,727	0	0
ISHARES MSCI EUROZONE ETF	ETF - EQUITY	464286608	2,872	83,634	SH		SOLE		83,634	0	0
ISHARES MSCI EUROZONE ETF	ETF - EQUITY	464286608	156	4,530	SH		DFND		4,530	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,721	23,661	SH		SOLE		23,661	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	449	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 CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	13,362	121,938	SH		SOLE		121,938	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,320	12,045	SH		DFND		12,045	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	814	24,851	SH		SOLE		24,851	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	96	2,920	SH		DFND		2,920	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	731	6,300	SH		SOLE		6,300	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	99	850	SH		DFND		850	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	9,690	114,010	SH		SOLE		114,010	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	661	7,780	SH		DFND		7,780	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	5,943	103,710	SH		SOLE		103,710	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	396	6,915	SH		DFND		6,915	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	801	11,284	SH		SOLE		11,284	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	4,895	45,929	SH		SOLE		45,929	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	434	4,070	SH		DFND		4,070	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	949	15,567	SH		SOLE		15,567	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	29	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	2,829	30,302	SH		SOLE		30,302	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	882	9,450	SH		DFND		9,450	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,123	10,300	SH		SOLE		10,300	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	33	300	SH		DFND		300	0	0
KINDER MORGAN INC DEL COM	COMMON STOCK	49456B101	218	7,886	SH		SOLE		7,886	0	0
KROGER CO	COMMON STOCK	501044101	1,089	30,200	SH		DFND		30,200	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	773	9,235	SH		SOLE		9,235	0	0
MC DONALDS	COMMON STOCK	580135101	1,607	16,315	SH		SOLE		16,315	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,089	47,202	SH		SOLE		47,202	0	0
MICROSOFT CORP	COMMON STOCK	594918104	40	900	SH		DFND		900	0	0
NIKE INC CL B	COMMON STOCK	654106103	267	2,170	SH		SOLE		2,170	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	218	2,852	SH		SOLE		2,852	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	198	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	189	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	381	10,565	SH		SOLE		10,565	0	0
PPL CORP	COMMON STOCK	69351T106	693	21,075	SH		SOLE		21,075	0	0
PEPSICO INC	COMMON STOCK	713448108	1,723	18,272	SH		SOLE		18,272	0	0
PEPSICO INC	COMMON STOCK	713448108	124	1,320	SH		DFND		1,320	0	0
PFIZER INC	COMMON STOCK	717081103	3,872	123,316	SH		SOLE		123,316	0	0
PFIZER INC	COMMON STOCK	717081103	312	9,940	SH		DFND		9,940	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	799	20,235	SH		SOLE		20,235	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	14	342	SH		DFND		342	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	597	2,600	SH		SOLE		2,600	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	12,874	178,951	SH		SOLE		178,951	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	223	3,100	SH		DFND		3,100	0	0
PUBLIC SERVICE ENTERPRISE GROUP INC	COMMON STOCK	744573106	423	10,031	SH		SOLE		10,031	0	0
QUALCOMM CORP	COMMON STOCK	747525103	6,615	123,134	SH		SOLE		123,134	0	0
RAYTHEON CO	COMMON STOCK	755111507	78	710	SH		SOLE		710	0	0
RAYTHEON CO	COMMON STOCK	755111507	219	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	213	4,504	SH		SOLE		4,504	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	136	2,877	SH		DFND		2,877	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	52,720	275,112	SH		SOLE		275,112	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	1,820	9,495	SH		DFND		9,495	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	4,018	60,681	SH		SOLE		60,681	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	151	2,287	SH		DFND		2,287	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	3,811	51,322	SH		SOLE		51,322	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	157	2,115	SH		DFND		2,115	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	298	4,868	SH		SOLE		4,868	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	4,016	101,677	SH		SOLE		101,677	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	152	3,851	SH		DFND		3,851	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	526	12,150	SH		SOLE		12,150	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	22	500	SH		DFND		500	0	0
TARGET CORP	COMMON STOCK	87612E106	175	2,230	SH		SOLE		2,230	0	0
TARGET CORP	COMMON STOCK	87612E106	236	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	356	2,512	SH		SOLE		2,512	0	0
3M CO	COMMON STOCK	88579Y101	71	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	250	6,099	SH		SOLE		6,099	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	107	1,214	SH		SOLE		1,214	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	424	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	336	3,400	SH		SOLE		3,400	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,364	54,355	SH		SOLE		54,355	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	85	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	233	3,595	SH		SOLE		3,595	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	23	350	SH		DFND		350	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	351	7,040	SH		SOLE		7,040	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	384	7,489	SH		SOLE		7,489	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	477	6,000	SH		DFND		6,000	0	0