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	2,423	70,442	SH		SOLE		70,442	0	0
AT&T INC	COMMON STOCK	00206R102	80	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	5,044	112,330	SH		SOLE		112,330	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	418	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	197	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,522	26,149	SH		SOLE		26,149	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	524	9,000	SH		DFND		9,000	0	0
AMAZON.COM INC	COMMON STOCK	023135106	361	534	SH		SOLE		534	0	0
AMEREN CORP	COMMON STOCK	023608102	413	9,563	SH		SOLE		9,563	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	765	13,130	SH		SOLE		13,130	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	58	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,210	17,400	SH		SOLE		17,400	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	194	2,794	SH		DFND		2,794	0	0
AMETEK INC	COMMON STOCK	031100100	723	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,086	29,320	SH		SOLE		29,320	0	0
APPLE INC	COMMON STOCK	037833100	14	135	SH		DFND		135	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	227	2,675	SH		SOLE		2,675	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	34	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	676	21,633	SH		SOLE		21,633	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	1,262	75,000	SH		SOLE		75,000	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	36,989	187	SH		SOLE		187	0	0
BOEING CO	COMMON STOCK	097023105	408	2,820	SH		SOLE		2,820	0	0
BOEING CO	COMMON STOCK	097023105	72	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	2,357	34,267	SH		SOLE		34,267	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	103	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	186	2,734	SH		SOLE		2,734	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	136	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,030	33,684	SH		SOLE		33,684	0	0
CHEVRON CORP	COMMON STOCK	166764100	27	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,038	38,233	SH		SOLE		38,233	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	138	5,100	SH		DFND		5,100	0	0
CLOROX CO	COMMON STOCK	189054109	260	2,050	SH		SOLE		2,050	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,109	95,670	SH		SOLE		95,670	0	0
COCA-COLA CO	COMMON STOCK	191216100	593	13,800	SH		DFND		13,800	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	544	11,658	SH		SOLE		11,658	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,449	22,545	SH		SOLE		22,545	0	0
WALT DISNEY	COMMON STOCK	254687106	18,264	173,815	SH		SOLE		173,815	0	0
WALT DISNEY	COMMON STOCK	254687106	126	1,200	SH		DFND		1,200	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	2,246	43,638	SH		SOLE		43,638	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	235	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	1,638	24,599	SH		SOLE		24,599	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	13	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,184	24,755	SH		SOLE		24,755	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	3,786	48,572	SH		SOLE		48,572	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,363	17,485	SH		DFND		17,485	0	0
FORD MOTOR	COMMON STOCK	345370860	1,641	116,475	SH		SOLE		116,475	0	0
FORD MOTOR	COMMON STOCK	345370860	28	2,000	SH		DFND		2,000	0	0
FREEPORT-MCMORAN INC	COMMON STOCK	35671D857	77	11,425	SH		SOLE		11,425	0	0
FREEPORT-MCMORAN INC	COMMON STOCK	35671D857	14	2,000	SH		DFND		2,000	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	5,905	189,643	SH		SOLE		189,643	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	795	25,520	SH		DFND		25,520	0	0
GENERAL MILLS	COMMON STOCK	370334104	284	4,935	SH		SOLE		4,935	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	265	15,550	SH		SOLE		15,550	0	0
HOME DEPOT INC	COMMON STOCK	437076102	2,131	16,110	SH		SOLE		16,110	0	0
HOME DEPOT INC	COMMON STOCK	437076102	53	400	SH		DFND		400	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	44	425	SH		SOLE		425	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	186	1,800	SH		DFND		1,800	0	0
INTEL CORP	COMMON STOCK	458140100	3,309	96,060	SH		SOLE		96,060	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	684	4,971	SH		SOLE		4,971	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	210	1,525	SH		DFND		1,525	0	0
INTL PAPER	COMMON STOCK	460146103	495	13,122	SH		SOLE		13,122	0	0
ISHARES MSCI EUROZONE ETF	ETF - EQUITY	464286608	3,142	89,664	SH		SOLE		89,664	0	0
ISHARES MSCI EUROZONE ETF	ETF - EQUITY	464286608	173	4,930	SH		DFND		4,930	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,662	22,121	SH		SOLE		22,121	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	445	4,053	SH		SOLE		4,053	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	5	50	SH		DFND		50	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	13,124	121,508	SH		SOLE		121,508	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,292	11,965	SH		DFND		11,965	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	754	23,426	SH		SOLE		23,426	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	94	2,920	SH		DFND		2,920	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	695	6,100	SH		SOLE		6,100	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	97	850	SH		DFND		850	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	10,070	119,365	SH		SOLE		119,365	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	651	7,720	SH		DFND		7,720	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,736	29,560	SH		SOLE		29,560	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	181	3,075	SH		DFND		3,075	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	845	11,259	SH		SOLE		11,259	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	5,178	47,029	SH		SOLE		47,029	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	461	4,190	SH		DFND		4,190	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	1,013	15,347	SH		SOLE		15,347	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	32	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,013	29,332	SH		SOLE		29,332	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	971	9,450	SH		DFND		9,450	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,279	10,045	SH		SOLE		10,045	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	38	300	SH		DFND		300	0	0
KROGER CO	COMMON STOCK	501044101	1,263	30,200	SH		DFND		30,200	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	769	9,125	SH		SOLE		9,125	0	0
MC DONALDS	COMMON STOCK	580135101	1,760	14,895	SH		SOLE		14,895	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,596	46,802	SH		SOLE		46,802	0	0
MICROSOFT CORP	COMMON STOCK	594918104	50	900	SH		DFND		900	0	0
NIKE INC CL B	COMMON STOCK	654106103	271	4,340	SH		SOLE		4,340	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	275	3,252	SH		SOLE		3,252	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	209	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	199	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	379	10,365	SH		SOLE		10,365	0	0
PPL CORP	COMMON STOCK	69351T106	694	20,338	SH		SOLE		20,338	0	0
PEPSICO INC	COMMON STOCK	713448108	1,816	18,172	SH		SOLE		18,172	0	0
PEPSICO INC	COMMON STOCK	713448108	132	1,320	SH		DFND		1,320	0	0
PFIZER INC	COMMON STOCK	717081103	3,844	119,121	SH		SOLE		119,121	0	0
PFIZER INC	COMMON STOCK	717081103	321	9,940	SH		DFND		9,940	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	807	16,915	SH		SOLE		16,915	0	0
PLUM CREEK TIMBER CO INC	COMMON STOCK	729251108	16	342	SH		DFND		342	0	0
PRECISION CASTPARTS CORP	COMMON STOCK	740189105	600	2,585	SH		SOLE		2,585	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	14,264	179,650	SH		SOLE		179,650	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	246	3,100	SH		DFND		3,100	0	0
PUBLIC SERVICE ENTERPRISE GROUP INC	COMMON STOCK	744573106	381	9,841	SH		SOLE		9,841	0	0
QUALCOMM CORP	COMMON STOCK	747525103	6,306	126,174	SH		SOLE		126,174	0	0
RAYTHEON CO	COMMON STOCK	755111507	88	710	SH		SOLE		710	0	0
RAYTHEON CO	COMMON STOCK	755111507	249	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	188	4,109	SH		SOLE		4,109	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	151	3,300	SH		DFND		3,300	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	55,514	272,301	SH		SOLE		272,301	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	1,936	9,495	SH		DFND		9,495	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	4,405	61,152	SH		SOLE		61,152	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	174	2,412	SH		DFND		2,412	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	1,756	34,786	SH		SOLE		34,786	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	85	1,680	SH		DFND		1,680	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	4,018	51,402	SH		SOLE		51,402	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	171	2,185	SH		DFND		2,185	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	1,682	27,898	SH		SOLE		27,898	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	74	1,230	SH		DFND		1,230	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	5,640	131,708	SH		SOLE		131,708	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	265	6,191	SH		DFND		6,191	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	2,044	47,243	SH		SOLE		47,243	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	106	2,440	SH		DFND		2,440	0	0
JM SMUCKER CO	COMMON STOCK	832696405	204	1,652	SH		SOLE		1,652	0	0
TARGET CORP	COMMON STOCK	87612E106	162	2,230	SH		SOLE		2,230	0	0
TARGET CORP	COMMON STOCK	87612E106	218	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	427	2,837	SH		SOLE		2,837	0	0
3M CO	COMMON STOCK	88579Y101	75	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	260	6,099	SH		SOLE		6,099	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	95	1,214	SH		SOLE		1,214	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	375	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	327	3,400	SH		SOLE		3,400	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,398	51,875	SH		SOLE		51,875	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	90	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	649	10,590	SH		SOLE		10,590	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	21	350	SH		DFND		350	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	376	7,040	SH		SOLE		7,040	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	407	7,489	SH		SOLE		7,489	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	360	6,000	SH		DFND		6,000	0	0