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
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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	2,916	68,585	SH		SOLE		68,585	0	0
AT&T INC	COMMON STOCK	00206R102	99	2,321	SH		DFND		2,321	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	4,268	111,144	SH		SOLE		111,144	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	357	9,300	SH		DFND		9,300	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,553	22,976	SH		SOLE		22,976	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	608	9,000	SH		DFND		9,000	0	0
AMAZON.COM INC	COMMON STOCK	023135106	400	534	SH		SOLE		534	0	0
AMEREN CORP	COMMON STOCK	023608102	438	8,357	SH		SOLE		8,357	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	1,275	20,255	SH		SOLE		20,255	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	63	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	1,237	16,700	SH		SOLE		16,700	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	192	2,594	SH		DFND		2,594	0	0
AMETEK INC	COMMON STOCK	031100100	655	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	3,234	27,920	SH		SOLE		27,920	0	0
APPLE INC	COMMON STOCK	037833100	16	135	SH		DFND		135	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	265	2,575	SH		SOLE		2,575	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	41	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	705	18,853	SH		SOLE		18,853	0	0
BANK OF AMERICA CORP	COMMON STOCK	060505104	1,657	75,000	SH		SOLE		75,000	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	45,407	186	SH		SOLE		186	0	0
BOEING CO	COMMON STOCK	097023105	397	2,550	SH		SOLE		2,550	0	0
BOEING CO	COMMON STOCK	097023105	78	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	1,893	32,400	SH		SOLE		32,400	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	70	1,200	SH		DFND		1,200	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	216	2,325	SH		SOLE		2,325	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	185	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	3,938	33,455	SH		SOLE		33,455	0	0
CHEVRON CORP	COMMON STOCK	166764100	35	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,696	56,148	SH		SOLE		56,148	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	154	5,100	SH		DFND		5,100	0	0
CLOROX CO	COMMON STOCK	189054109	246	2,050	SH		SOLE		2,050	0	0
COCA-COLA CO	COMMON STOCK	191216100	3,886	93,748	SH		SOLE		93,748	0	0
COCA-COLA CO	COMMON STOCK	191216100	560	13,500	SH		DFND		13,500	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	157	2,277	SH		SOLE		2,277	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	85	1,227	SH		DFND		1,227	0	0
CONOCOPHILLIPS	COMMON STOCK	20825C104	497	9,923	SH		SOLE		9,923	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	865	11,745	SH		SOLE		11,745	0	0
WALT DISNEY	COMMON STOCK	254687106	386	3,705	SH		SOLE		3,705	0	0
WALT DISNEY	COMMON STOCK	254687106	87	835	SH		DFND		835	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	2,360	41,253	SH		SOLE		41,253	0	0
DOW CHEMICAL CO	COMMON STOCK	260543103	14	250	SH		DFND		250	0	0
DREYFUS STRATEGIC MUNI INC	CLOSED END FUND - TAX EXEMPT	261932107	231	27,500	SH		SOLE		27,500	0	0
DREYFUS MUNI INCOME INC	CLOSED END FUND - TAX EXEMPT	26201R102	181	21,000	SH		SOLE		21,000	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	1,798	24,499	SH		SOLE		24,499	0	0
DU PONT (E I) DE NEMOURS	COMMON STOCK	263534109	15	200	SH		DFND		200	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	1,078	19,335	SH		SOLE		19,335	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	4,406	48,812	SH		SOLE		48,812	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,470	16,285	SH		DFND		16,285	0	0
FORD MOTOR	COMMON STOCK	345370860	1,368	112,810	SH		SOLE		112,810	0	0
FORD MOTOR	COMMON STOCK	345370860	24	2,000	SH		DFND		2,000	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	5,768	182,583	SH		SOLE		182,583	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	826	26,160	SH		DFND		26,160	0	0
GENERAL MILLS	COMMON STOCK	370334104	275	4,445	SH		SOLE		4,445	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	317	15,550	SH		SOLE		15,550	0	0
HOME DEPOT INC	COMMON STOCK	437076102	2,124	15,845	SH		SOLE		15,845	0	0
HOME DEPOT INC	COMMON STOCK	437076102	40	300	SH		DFND		300	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	20	175	SH		SOLE		175	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	209	1,800	SH		DFND		1,800	0	0
INTEL CORP	COMMON STOCK	458140100	2,964	81,720	SH		SOLE		81,720	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	820	4,941	SH		SOLE		4,941	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	220	1,325	SH		DFND		1,325	0	0
INTL PAPER	COMMON STOCK	460146103	841	15,847	SH		SOLE		15,847	0	0
ISHARES MSCI CANADA INDEX FD	ETF - EQUITY	464286509	1,516	57,989	SH		SOLE		57,989	0	0
ISHARES MSCI CANADA INDEX FD	ETF - EQUITY	464286509	83	3,165	SH		DFND		3,165	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,802	20,343	SH		SOLE		20,343	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	459	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	12,883	119,224	SH		SOLE		119,224	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,225	11,335	SH		DFND		11,335	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	1,003	28,664	SH		SOLE		28,664	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	97	2,760	SH		DFND		2,760	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	357	3,045	SH		SOLE		3,045	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	100	850	SH		DFND		850	0	0
ISHARES S&P 500 GROWTH INDEX FUND	ETF - EQUITY	464287309	247	2,025	SH		SOLE		2,025	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	9,492	112,398	SH		SOLE		112,398	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	654	7,745	SH		DFND		7,745	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,753	30,376	SH		SOLE		30,376	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	146	2,530	SH		DFND		2,530	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	873	11,343	SH		SOLE		11,343	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	5,936	43,163	SH		SOLE		43,163	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	503	3,660	SH		DFND		3,660	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	1,276	14,782	SH		SOLE		14,782	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	42	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	3,227	28,007	SH		SOLE		28,007	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,109	9,625	SH		DFND		9,625	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,684	14,755	SH		SOLE		14,755	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	34	300	SH		DFND		300	0	0
KROGER CO	COMMON STOCK	501044101	12	350	SH		SOLE		350	0	0
KROGER CO	COMMON STOCK	501044101	952	27,600	SH		DFND		27,600	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	378	5,145	SH		SOLE		5,145	0	0
MC DONALDS	COMMON STOCK	580135101	1,577	12,960	SH		SOLE		12,960	0	0
MC DONALDS	COMMON STOCK	580135101	20	165	SH		DFND		165	0	0
METLIFE INC	COMMON STOCK	59156R108	346	6,425	SH		SOLE		6,425	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,631	42,347	SH		SOLE		42,347	0	0
MICROSOFT CORP	COMMON STOCK	594918104	12	200	SH		DFND		200	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	351	3,252	SH		SOLE		3,252	0	0
ORACLE CORP	COMMON STOCK	68389X105	399	10,365	SH		SOLE		10,365	0	0
PPL CORP	COMMON STOCK	69351T106	947	27,822	SH		SOLE		27,822	0	0
PEPSICO INC	COMMON STOCK	713448108	1,882	17,990	SH		SOLE		17,990	0	0
PEPSICO INC	COMMON STOCK	713448108	138	1,320	SH		DFND		1,320	0	0
PFIZER INC	COMMON STOCK	717081103	3,709	114,226	SH		SOLE		114,226	0	0
PFIZER INC	COMMON STOCK	717081103	323	9,940	SH		DFND		9,940	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	14,464	172,030	SH		SOLE		172,030	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	261	3,100	SH		DFND		3,100	0	0
PUBLIC SERVICE ENTERPRISE GROUP INC	COMMON STOCK	744573106	391	8,920	SH		SOLE		8,920	0	0
QUALCOMM CORP	COMMON STOCK	747525103	8,471	129,921	SH		SOLE		129,921	0	0
RAYTHEON CO	COMMON STOCK	755111507	75	530	SH		SOLE		530	0	0
RAYTHEON CO	COMMON STOCK	755111507	284	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	181	3,329	SH		SOLE		3,329	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	152	2,800	SH		DFND		2,800	0	0
GUGGENHEIM S&P EQ WEIGHT	ETF - EQUITY	78355W106	3,827	44,167	SH		SOLE		44,167	0	0
GUGGENHEIM S&P EQ WEIGHT	ETF - EQUITY	78355W106	168	1,935	SH		DFND		1,935	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	65,763	294,201	SH		SOLE		294,201	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	1,849	8,270	SH		DFND		8,270	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	105	1,250	SH		SOLE		1,250	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	101	1,200	SH		DFND		1,200	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	312	4,530	SH		SOLE		4,530	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	2,325	30,867	SH		SOLE		30,867	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	88	1,175	SH		DFND		1,175	0	0
AMEX INDUSTRIAL SELECT INDEX	ETF - EQUITY	81369Y704	1,103	17,731	SH		SOLE		17,731	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	2,775	57,374	SH		SOLE		57,374	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	84	1,745	SH		DFND		1,745	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	660	13,592	SH		SOLE		13,592	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	24	500	SH		DFND		500	0	0
JM SMUCKER CO	COMMON STOCK	832696405	212	1,652	SH		SOLE		1,652	0	0
TARGET CORP	COMMON STOCK	87612E106	161	2,230	SH		SOLE		2,230	0	0
TARGET CORP	COMMON STOCK	87612E106	217	3,000	SH		DFND		3,000	0	0
3M CO	COMMON STOCK	88579Y101	466	2,612	SH		SOLE		2,612	0	0
3M CO	COMMON STOCK	88579Y101	89	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	296	5,755	SH		SOLE		5,755	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	126	1,214	SH		SOLE		1,214	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	498	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	390	3,400	SH		SOLE		3,400	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	2,760	51,703	SH		SOLE		51,703	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	104	1,948	SH		DFND		1,948	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	808	11,690	SH		SOLE		11,690	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	24	350	SH		DFND		350	0	0
WASTE MANAGEMENT INC	COMMON STOCK	94106L109	487	6,875	SH		SOLE		6,875	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	433	7,864	SH		SOLE		7,864	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	408	6,000	SH		DFND		6,000	0	0
WEYERHAEUSER	COMMON STOCK	962166104	864	28,713	SH		SOLE		28,713	0	0
WEYERHAEUSER	COMMON STOCK	962166104	42	1,402	SH		DFND		1,402	0	0