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	2,614	66,760	SH		SOLE		66,760	0	0
AT&T INC	COMMON STOCK	00206R102	91	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,676	111,810	SH		SOLE		111,810	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	389	9,300	SH		DFND		9,300	0	0
ALCOA INC	COMMON STOCK	013817101	192	20,000	SH		SOLE		20,000	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,466	23,393	SH		SOLE		23,393	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	564	9,000	SH		DFND		9,000	0	0
AMAZON.COM INC	COMMON STOCK	023135106	329	555	SH		SOLE		555	0	0
AMEREN CORP	COMMON STOCK	023608102	455	9,078	SH		SOLE		9,078	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	872	13,130	SH		SOLE		13,130	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	66	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,068	17,400	SH		SOLE		17,400	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	172	2,794	SH		DFND		2,794	0	0
AMETEK INC	COMMON STOCK	031100100	674	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,035	27,850	SH		SOLE		27,850	0	0
APPLE INC	COMMON STOCK	037833100	15	135	SH		DFND		135	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	231	2,575	SH		SOLE		2,575	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	36	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	590	19,543	SH		SOLE		19,543	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	30	1,000	SH		DFND		1,000	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,014	75,000	SH		SOLE		75,000	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	39,915	187	SH		SOLE		187	0	0
BOEING CO	COMMON STOCK	097023105	358	2,820	SH		SOLE		2,820	0	0
BOEING CO	COMMON STOCK	097023105	63	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	2,160	33,810	SH		SOLE		33,810	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	96	1,500	SH		DFND		1,500	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	181	2,359	SH		SOLE		2,359	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	153	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,103	32,521	SH		SOLE		32,521	0	0
CHEVRON CORP	COMMON STOCK	166764100	29	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,378	48,423	SH		SOLE		48,423	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	145	5,100	SH		DFND		5,100	0	0
CLOROX CO	COMMON STOCK	189054109	258	2,050	SH		SOLE		2,050	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,382	94,480	SH		SOLE		94,480	0	0
COCA-COLA CO	COMMON STOCK	191216100	640	13,800	SH		DFND		13,800	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	139	2,277	SH		SOLE		2,277	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	75	1,227	SH		DFND		1,227	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	424	10,528	SH		SOLE		10,528	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	1,624	21,200	SH		SOLE		21,200	0	0
WALT DISNEY	COMMON STOCK	254687106	17,093	172,113	SH		SOLE		172,113	0	0
WALT DISNEY	COMMON STOCK	254687106	83	835	SH		DFND		835	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	2,101	41,313	SH		SOLE		41,313	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	247	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	203	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	1,557	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	1,047	19,260	SH		SOLE		19,260	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,010	47,977	SH		SOLE		47,977	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,428	17,085	SH		DFND		17,085	0	0
FORD MOTOR	COMMON STOCK	345370860	1,523	112,810	SH		SOLE		112,810	0	0
FORD MOTOR	COMMON STOCK	345370860	27	2,000	SH		DFND		2,000	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	5,899	185,553	SH		SOLE		185,553	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	811	25,520	SH		DFND		25,520	0	0
GENERAL MILLS	COMMON STOCK	370334104	321	5,060	SH		SOLE		5,060	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	288	15,550	SH		SOLE		15,550	0	0
HOME DEPOT INC	COMMON STOCK	437076102	2,156	16,161	SH		SOLE		16,161	0	0
HOME DEPOT INC	COMMON STOCK	437076102	40	300	SH		DFND		300	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	48	425	SH		SOLE		425	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	202	1,800	SH		DFND		1,800	0	0
INTEL CORP	COMMON STOCK	458140100	2,673	82,650	SH		SOLE		82,650	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	753	4,971	SH		SOLE		4,971	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	201	1,325	SH		DFND		1,325	0	0
INTL PAPER	COMMON STOCK	460146103	554	13,497	SH		SOLE		13,497	0	0
ISHARES MSCI EUROZONE ETF	ETF - EQUITY	464286608	3,078	89,530	SH		SOLE		89,530	0	0
ISHARES MSCI EUROZONE ETF	ETF - EQUITY	464286608	169	4,910	SH		DFND		4,910	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,672	20,468	SH		SOLE		20,468	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	465	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	13,198	119,098	SH		SOLE		119,098	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,253	11,305	SH		DFND		11,305	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	806	23,521	SH		SOLE		23,521	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	101	2,955	SH		DFND		2,955	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	484	4,075	SH		SOLE		4,075	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	101	850	SH		DFND		850	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	10,173	119,645	SH		SOLE		119,645	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	656	7,720	SH		DFND		7,720	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,670	29,223	SH		SOLE		29,223	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	169	2,950	SH		DFND		2,950	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	2,564	32,929	SH		SOLE		32,929	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	81	1,045	SH		DFND		1,045	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	1,974	17,539	SH		SOLE		17,539	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	292	2,590	SH		DFND		2,590	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	898	15,167	SH		SOLE		15,167	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	28	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,075	28,417	SH		SOLE		28,417	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,022	9,450	SH		DFND		9,450	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,324	9,845	SH		SOLE		9,845	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	40	300	SH		DFND		300	0	0
KROGER CO	COMMON STOCK	501044101	1,117	29,200	SH		DFND		29,200	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	553	7,675	SH		SOLE		7,675	0	0
MC DONALDS	COMMON STOCK	580135101	1,738	13,830	SH		SOLE		13,830	0	0
METLIFE INC	COMMON STOCK	59156R108	735	16,736	SH		SOLE		16,736	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,568	46,514	SH		SOLE		46,514	0	0
MICROSOFT CORP	COMMON STOCK	594918104	50	900	SH		DFND		900	0	0
NIKE INC CL B	COMMON STOCK	654106103	215	3,493	SH		SOLE		3,493	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	271	3,252	SH		SOLE		3,252	0	0
NUVEEN PERFORMANCE PLUS MUNICIPAL FD	CLOSED END FUND - TAX EXEMPT	67062P108	219	13,969	SH		SOLE		13,969	0	0
NUVEEN QUALITY INCOME MUNI FUND	CLOSED END FUND - TAX EXEMPT	670977107	206	14,000	SH		SOLE		14,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	424	10,365	SH		SOLE		10,365	0	0
PPL CORP	COMMON STOCK	69351T106	1,286	33,798	SH		SOLE		33,798	0	0
PEPSICO INC	COMMON STOCK	713448108	1,862	18,172	SH		SOLE		18,172	0	0
PEPSICO INC	COMMON STOCK	713448108	135	1,320	SH		DFND		1,320	0	0
PFIZER INC	COMMON STOCK	717081103	3,445	116,266	SH		SOLE		116,266	0	0
PFIZER INC	COMMON STOCK	717081103	295	9,940	SH		DFND		9,940	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	14,689	178,465	SH		SOLE		178,465	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	255	3,100	SH		DFND		3,100	0	0
PUBLIC SERVICE ENTERPRISE GROUP INC	COMMON STOCK	744573106	452	9,596	SH		SOLE		9,596	0	0
QUALCOMM CORP	COMMON STOCK	747525103	6,777	132,541	SH		SOLE		132,541	0	0
RAYTHEON CO	COMMON STOCK	755111507	76	620	SH		SOLE		620	0	0
RAYTHEON CO	COMMON STOCK	755111507	245	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	161	3,329	SH		SOLE		3,329	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	160	3,300	SH		DFND		3,300	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	54,009	262,791	SH		SOLE		262,791	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	1,779	8,655	SH		DFND		8,655	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	380	5,612	SH		SOLE		5,612	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	3,315	62,478	SH		SOLE		62,478	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	162	3,050	SH		DFND		3,050	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	3,654	46,193	SH		SOLE		46,193	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	169	2,140	SH		DFND		2,140	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	311	5,025	SH		SOLE		5,025	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	5,564	125,433	SH		SOLE		125,433	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	268	6,036	SH		DFND		6,036	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	2,427	48,928	SH		SOLE		48,928	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	118	2,380	SH		DFND		2,380	0	0
JM SMUCKER CO	COMMON STOCK	832696405	214	1,652	SH		SOLE		1,652	0	0
TARGET CORP	COMMON STOCK	87612E106	183	2,230	SH		SOLE		2,230	0	0
TARGET CORP	COMMON STOCK	87612E106	247	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	444	2,662	SH		SOLE		2,662	0	0
3M CO	COMMON STOCK	88579Y101	83	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	234	5,755	SH		SOLE		5,755	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	97	1,214	SH		SOLE		1,214	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	382	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	359	3,400	SH		SOLE		3,400	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,715	50,210	SH		SOLE		50,210	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	105	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	725	10,590	SH		SOLE		10,590	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	24	350	SH		DFND		350	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	406	6,875	SH		SOLE		6,875	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	388	8,024	SH		SOLE		8,024	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	283	6,000	SH		DFND		6,000	0	0
WEYERHAEUSER	COMMON STOCK	962166104	813	26,260	SH		SOLE		26,260	0	0
WEYERHAEUSER	COMMON STOCK	962166104	43	1,402	SH		DFND		1,402	0	0