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

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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	1,744	44,531	SH		SOLE		44,531	0	0
AT&T INC	COMMON STOCK	00206R102	81	2,080	SH		DFND		2,080	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	6,019	112,793	SH		SOLE		112,793	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	454	8,500	SH		DFND		8,500	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	1,504	23,717	SH		SOLE		23,717	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	571	9,000	SH		DFND		9,000	0	0
AMAZON.COM INC	COMMON STOCK	023135106	534	555	SH		SOLE		555	0	0
AMEREN CORP	COMMON STOCK	023608102	478	8,256	SH		SOLE		8,256	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	985	14,020	SH		SOLE		14,020	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	70	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	63	700	SH		SOLE		700	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	235	2,594	SH		DFND		2,594	0	0
AMETEK INC	COMMON STOCK	031100100	890	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	4,351	28,233	SH		SOLE		28,233	0	0
APPLE INC	COMMON STOCK	037833100	21	135	SH		DFND		135	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	271	2,475	SH		SOLE		2,475	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	44	400	SH		DFND		400	0	0
BP PLC SPON ADR (UK)	FOREIGN EQUITY - COMMON	055622104	237	6,158	SH		SOLE		6,158	0	0
BAXTER INTL	COMMON STOCK	071813109	166	2,642	SH		SOLE		2,642	0	0
BAXTER INTL	COMMON STOCK	071813109	94	1,500	SH		DFND		1,500	0	0
BECTON DICKINSON & CO	COMMON STOCK	075887109	225	1,150	SH		SOLE		1,150	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	50,552	184	SH		SOLE		184	0	0
BOEING CO	COMMON STOCK	097023105	627	2,465	SH		SOLE		2,465	0	0
BOEING CO	COMMON STOCK	097023105	127	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	774	12,140	SH		SOLE		12,140	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	76	1,200	SH		DFND		1,200	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	290	2,325	SH		SOLE		2,325	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	249	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	2,656	22,606	SH		SOLE		22,606	0	0
CHEVRON CORP	COMMON STOCK	166764100	35	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	1,550	46,098	SH		SOLE		46,098	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	169	5,020	SH		DFND		5,020	0	0
CLOROX CO	COMMON STOCK	189054109	270	2,050	SH		SOLE		2,050	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,204	93,420	SH		SOLE		93,420	0	0
COCA-COLA CO	COMMON STOCK	191216100	608	13,500	SH		DFND		13,500	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	197	5,128	SH		SOLE		5,128	0	0
COMCAST CORP CL A	COMMON STOCK	20030N101	41	1,054	SH		DFND		1,054	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	925	11,465	SH		SOLE		11,465	0	0
WALT DISNEY	COMMON STOCK	254687106	332	3,367	SH		SOLE		3,367	0	0
WALT DISNEY	COMMON STOCK	254687106	53	540	SH		DFND		540	0	0
DOWDUPONT INC COM	COMMON STOCK	26078J100	2,053	29,663	SH		SOLE		29,663	0	0
DOWDUPONT INC COM	COMMON STOCK	26078J100	18	256	SH		DFND		256	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	275	4,380	SH		SOLE		4,380	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	3,324	40,549	SH		SOLE		40,549	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	1,176	14,350	SH		DFND		14,350	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	2,557	105,758	SH		SOLE		105,758	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	538	22,260	SH		DFND		22,260	0	0
GENERAL MILLS	COMMON STOCK	370334104	248	4,790	SH		SOLE		4,790	0	0
GILEAD SCIENCES INC	COMMON STOCK	375558103	823	10,153	SH		SOLE		10,153	0	0
HEARTLAND EXPRESS	COMMON STOCK	422347104	390	15,550	SH		SOLE		15,550	0	0
HOME DEPOT INC	COMMON STOCK	437076102	823	5,030	SH		SOLE		5,030	0	0
HOME DEPOT INC	COMMON STOCK	437076102	40	245	SH		DFND		245	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	25	175	SH		SOLE		175	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	255	1,800	SH		DFND		1,800	0	0
INTEL CORP	COMMON STOCK	458140100	617	16,220	SH		SOLE		16,220	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	717	4,941	SH		SOLE		4,941	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	145	1,000	SH		DFND		1,000	0	0
INTL PAPER	COMMON STOCK	460146103	966	17,007	SH		SOLE		17,007	0	0
ISHARES MSCI CANADA INDEX FD	ETF - EQUITY	464286509	267	9,245	SH		SOLE		9,245	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,959	20,914	SH		SOLE		20,914	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	446	3,928	SH		SOLE		3,928	0	0
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	6	50	SH		DFND		50	0	0
ISHARES S&P 500 INDEX FUND	ETF - EQUITY	464287200	253	1,000	SH		SOLE		1,000	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	12,813	116,922	SH		SOLE		116,922	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	971	8,860	SH		DFND		8,860	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	2,680	59,815	SH		SOLE		59,815	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	205	4,580	SH		DFND		4,580	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	441	3,635	SH		SOLE		3,635	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	103	850	SH		DFND		850	0	0
ISHARES S&P 500 GROWTH INDEX FUND	ETF - EQUITY	464287309	290	2,025	SH		SOLE		2,025	0	0
ISHARES S&P 500 VALUE INDEX FUND	ETF - EQUITY	464287408	493	4,570	SH		SOLE		4,570	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	8,322	98,543	SH		SOLE		98,543	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	474	5,610	SH		DFND		5,610	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	1,372	20,033	SH		SOLE		20,033	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	69	1,005	SH		DFND		1,005	0	0
ISHARES RUSSELL 1000 INDEX FUND	ETF - EQUITY	464287622	699	5,000	SH		SOLE		5,000	0	0
ISHARES RUSSELL 2000 GROWTH	ETF - EQUITY	464287648	340	1,900	SH		SOLE		1,900	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	882	11,043	SH		SOLE		11,043	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	3,229	43,508	SH		SOLE		43,508	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	336	4,530	SH		DFND		4,530	0	0
ISHARES INTL SEL FIV ETF	ETF - EQUITY	464288448	914	27,092	SH		SOLE		27,092	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	648	6,782	SH		SOLE		6,782	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	46	481	SH		DFND		481	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,458	11,212	SH		SOLE		11,212	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,242	9,555	SH		DFND		9,555	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	1,191	10,125	SH		SOLE		10,125	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	29	250	SH		DFND		250	0	0
KROGER CO	COMMON STOCK	501044101	487	24,300	SH		DFND		24,300	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	395	4,615	SH		SOLE		4,615	0	0
MC DONALDS	COMMON STOCK	580135101	1,263	8,060	SH		SOLE		8,060	0	0
MC DONALDS	COMMON STOCK	580135101	26	165	SH		DFND		165	0	0
METLIFE INC	COMMON STOCK	59156R108	290	5,590	SH		SOLE		5,590	0	0
MICROSOFT CORP	COMMON STOCK	594918104	1,140	15,300	SH		SOLE		15,300	0	0
MICROSOFT CORP	COMMON STOCK	594918104	15	200	SH		DFND		200	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	417	3,150	SH		SOLE		3,150	0	0
ORACLE CORP	COMMON STOCK	68389X105	502	10,388	SH		SOLE		10,388	0	0
PPL CORP	COMMON STOCK	69351T106	1,019	26,845	SH		SOLE		26,845	0	0
PEPSICO INC	COMMON STOCK	713448108	893	8,015	SH		SOLE		8,015	0	0
PEPSICO INC	COMMON STOCK	713448108	134	1,205	SH		DFND		1,205	0	0
PFIZER INC	COMMON STOCK	717081103	2,136	59,830	SH		SOLE		59,830	0	0
PFIZER INC	COMMON STOCK	717081103	355	9,940	SH		DFND		9,940	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	14,363	157,870	SH		SOLE		157,870	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	282	3,100	SH		DFND		3,100	0	0
PUBLIC SERVICE ENTERPRISE GROUP INC	COMMON STOCK	744573106	340	7,360	SH		SOLE		7,360	0	0
QUALCOMM CORP	COMMON STOCK	747525103	6,679	128,830	SH		SOLE		128,830	0	0
RAYTHEON CO	COMMON STOCK	755111507	90	480	SH		SOLE		480	0	0
RAYTHEON CO	COMMON STOCK	755111507	373	2,000	SH		DFND		2,000	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	202	3,329	SH		SOLE		3,329	0	0
ROYAL DUTCH SHELL PLC ADR A (NETHERLANDS)	FOREIGN EQUITY - COMMON	780259206	118	1,950	SH		DFND		1,950	0	0
GUGGENHEIM S&P EQ WEIGHT	ETF - EQUITY	78355W106	524	5,485	SH		SOLE		5,485	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	69,662	277,284	SH		SOLE		277,284	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	2,284	9,090	SH		DFND		9,090	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	136	1,950	SH		SOLE		1,950	0	0
SCHLUMBERGER LTD (NETH)	FOREIGN EQUITY - COMMON	806857108	84	1,200	SH		DFND		1,200	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	4,578	56,022	SH		SOLE		56,022	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	163	2,000	SH		DFND		2,000	0	0
CONSUMER STAPLES SPDR	ETF - EQUITY	81369Y308	204	3,774	SH		SOLE		3,774	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	7,536	83,664	SH		SOLE		83,664	0	0
CONSUMER DISCRETIONARY SELECT	ETF - EQUITY	81369Y407	300	3,325	SH		DFND		3,325	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	344	5,025	SH		SOLE		5,025	0	0
AMEX ENERGY SELECT INDEX	ETF - EQUITY	81369Y506	28	410	SH		DFND		410	0	0
AMEX INDUSTRIAL SELECT INDEX	ETF - EQUITY	81369Y704	4,068	57,291	SH		SOLE		57,291	0	0
AMEX INDUSTRIAL SELECT INDEX	ETF - EQUITY	81369Y704	84	1,180	SH		DFND		1,180	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	5,065	85,714	SH		SOLE		85,714	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	165	2,785	SH		DFND		2,785	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	702	13,235	SH		SOLE		13,235	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	27	500	SH		DFND		500	0	0
TARGET CORP	COMMON STOCK	87612E106	881	14,930	SH		SOLE		14,930	0	0
TARGET CORP	COMMON STOCK	87612E106	177	3,000	SH		DFND		3,000	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	86	960	SH		SOLE		960	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	134	1,500	SH		DFND		1,500	0	0
3M CO	COMMON STOCK	88579Y101	543	2,587	SH		SOLE		2,587	0	0
3M CO	COMMON STOCK	88579Y101	105	500	SH		DFND		500	0	0
US BANCORP	COMMON STOCK	902973304	430	8,016	SH		SOLE		8,016	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	136	1,170	SH		SOLE		1,170	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	557	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	408	3,400	SH		SOLE		3,400	0	0
UNITED TECHNOLOGIES CORP	COMMON STOCK	913017109	202	1,740	SH		SOLE		1,740	0	0
VALERO ENERGY CORP	COMMON STOCK	91913Y100	769	9,993	SH		SOLE		9,993	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	1,483	29,962	SH		SOLE		29,962	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	87	1,748	SH		DFND		1,748	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	992	12,701	SH		SOLE		12,701	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	25	320	SH		DFND		320	0	0
WELLS FARGO & CO	COMMON STOCK	949746101	212	3,845	SH		SOLE		3,845	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	518	6,000	SH		DFND		6,000	0	0
WEYERHAEUSER	COMMON STOCK	962166104	1,170	34,380	SH		SOLE		34,380	0	0
WEYERHAEUSER	COMMON STOCK	962166104	48	1,402	SH		DFND		1,402	0	0