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
EATON CORP PLC SHS	FOREIGN EQUITIES	G29183103	510	5,000	SH		SOLE		4,920	0	80
ALPS ETF TR SECTR DIV DOGS	ETF - EQUITY	00162Q858	711	18,805	SH		SOLE		18,600	0	205
AT&T INC	COMMON STOCK	00206R102	931	32,666	SH		SOLE		32,456	0	210
AT&T INC	COMMON STOCK	00206R102	2	70	SH		DFND		70	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	12,056	110,778	SH		SOLE		110,778	0	0
ABBOTT LABORATORIES	COMMON STOCK	002824100	925	8,500	SH		DFND		8,500	0	0
ABBVIE INC COM	COMMON STOCK	00287Y109	10,287	117,441	SH		SOLE		117,361	0	80
ABBVIE INC COM	COMMON STOCK	00287Y109	745	8,500	SH		DFND		8,500	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	504	13,040	SH		SOLE		12,875	0	165
ALTRIA GROUP INC	COMMON STOCK	02209S103	270	7,000	SH		DFND		7,000	0	0
AMAZON.COM INC	COMMON STOCK	023135106	1,685	535	SH		SOLE		535	0	0
AMEREN CORP	COMMON STOCK	023608102	468	5,916	SH		SOLE		5,916	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	174	2,130	SH		SOLE		2,130	0	0
AMERICAN ELECTRIC POWER	COMMON STOCK	025537101	82	1,000	SH		DFND		1,000	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	10	100	SH		SOLE		100	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	260	2,594	SH		DFND		2,594	0	0
AMETEK INC	COMMON STOCK	031100100	1,340	13,483	SH		SOLE		13,483	0	0
APPLE INC	COMMON STOCK	037833100	5,814	50,200	SH		SOLE		50,200	0	0
APPLE INC	COMMON STOCK	037833100	63	540	SH		DFND		540	0	0
ARCHER-DANIELS-MIDLAND CO	COMMON STOCK	039483102	632	13,595	SH		SOLE		13,410	0	185
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	342	2,450	SH		SOLE		2,450	0	0
AUTOMATIC DATA PROCESSING	COMMON STOCK	053015103	56	400	SH		DFND		400	0	0
BAXTER INTL	COMMON STOCK	071813109	212	2,642	SH		SOLE		2,642	0	0
BAXTER INTL	COMMON STOCK	071813109	121	1,500	SH		DFND		1,500	0	0
BERKSHIRE HATHAWAY INC CL A	COMMON STOCK	084670108	3,200	10	SH		SOLE		10	0	0
BOEING CO	COMMON STOCK	097023105	601	3,635	SH		SOLE		3,635	0	0
BOEING CO	COMMON STOCK	097023105	83	500	SH		DFND		500	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	503	8,350	SH		SOLE		8,350	0	0
BRISTOL-MYERS SQUIBB CO	COMMON STOCK	110122108	72	1,200	SH		DFND		1,200	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	306	2,050	SH		SOLE		2,050	0	0
CATERPILLAR TRACTOR	COMMON STOCK	149123101	298	2,000	SH		DFND		2,000	0	0
CHEVRON CORP	COMMON STOCK	166764100	1,197	16,622	SH		SOLE		16,542	0	80
CHEVRON CORP	COMMON STOCK	166764100	22	300	SH		DFND		300	0	0
CISCO SYSTEMS INC	COMMON STOCK	17275R102	839	21,303	SH		SOLE		21,133	0	170
CISCO SYSTEMS INC	COMMON STOCK	17275R102	187	4,750	SH		DFND		4,750	0	0
CLOROX CO	COMMON STOCK	189054109	336	1,600	SH		SOLE		1,600	0	0
COCA-COLA CO	COMMON STOCK	191216100	4,765	96,535	SH		SOLE		96,535	0	0
COCA-COLA CO	COMMON STOCK	191216100	661	13,400	SH		DFND		13,400	0	0
CONSOLIDATED EDISON INC	COMMON STOCK	209115104	294	3,780	SH		SOLE		3,780	0	0
DANAHER CORP	COMMON STOCK	235851102	269	1,250	SH		SOLE		1,250	0	0
DEERE & CO	COMMON STOCK	244199105	222	1,000	SH		DFND		1,000	0	0
WALT DISNEY	COMMON STOCK	254687106	521	4,195	SH		SOLE		4,195	0	0
DUKE ENERGY CORP NEW COM NEW	COMMON STOCK	26441C204	751	8,475	SH		SOLE		8,400	0	75
EASTMAN CHEMICAL CO	COMMON STOCK	277432100	516	6,610	SH		SOLE		6,500	0	110
EASTMAN CHEMICAL CO	COMMON STOCK	277432100	20	250	SH		DFND		250	0	0
EMERSON ELECTRIC CO	COMMON STOCK	291011104	206	3,135	SH		SOLE		3,135	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	744	21,692	SH		SOLE		21,692	0	0
EXXON MOBIL CORP	COMMON STOCK	30231G102	405	11,800	SH		DFND		11,800	0	0
FACEBOOK INC CL A	COMMON STOCK	30303M102	1,002	3,825	SH		SOLE		3,825	0	0
FIRST TR MORNINGSTAR DIVID LSHS	ETF - EQUITY	336917109	378	14,500	SH		SOLE		14,225	0	275
FIRST TR DJ GLBL SEL DIV IDX FND ETF	ETF - EQUITY	33734X200	437	24,550	SH		SOLE		24,140	0	410
FT TECHNOLOGY DIV INDEX FND ETF	ETF - EQUITY	33738R118	390	8,901	SH		SOLE		8,721	0	180
GENERAL ELECTRIC CO	COMMON STOCK	369604103	272	43,675	SH		SOLE		43,675	0	0
GENERAL ELECTRIC CO	COMMON STOCK	369604103	135	21,620	SH		DFND		21,620	0	0
GENUINE PARTS CO	COMMON STOCK	372460105	457	4,805	SH		SOLE		4,720	0	85
GILEAD SCIENCES INC	COMMON STOCK	375558103	381	6,028	SH		SOLE		5,943	0	85
HEARTLAND EXPRESS	COMMON STOCK	422347104	289	15,550	SH		SOLE		15,550	0	0
HOME DEPOT INC	COMMON STOCK	437076102	804	2,895	SH		SOLE		2,895	0	0
HOME DEPOT INC	COMMON STOCK	437076102	42	150	SH		DFND		150	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	16	100	SH		SOLE		100	0	0
HONEYWELL INTL INC	COMMON STOCK	438516106	296	1,800	SH		DFND		1,800	0	0
HUBBELL INC COM	COMMON STOCK	443510607	985	7,200	SH		SOLE		7,200	0	0
HUBBELL INC COM	COMMON STOCK	443510607	349	2,548	SH		DFND		2,548	0	0
INTEL CORP	COMMON STOCK	458140100	1,008	19,475	SH		SOLE		19,475	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	871	7,155	SH		SOLE		7,155	0	0
INTL BUSINESS MACHINES	COMMON STOCK	459200101	122	1,000	SH		DFND		1,000	0	0
INVESCO QQQ TR UNIT SER 1	ETF - EQUITY	46090E103	2,531	9,110	SH		SOLE		9,110	0	0
INVESCO QQQ TR UNIT SER 1	ETF - EQUITY	46090E103	472	1,700	SH		DFND		1,700	0	0
INVESCO ACTIVLY MANGD ETC FDOPTIMUM YIELD	ETF - EQUITY	46090F100	426	31,180	SH		SOLE		31,180	0	0
INVESCO EXCHANGE TRADED FD TS&P500 EQL WGT	ETF - EQUITY	46137V357	454	4,195	SH		SOLE		4,195	0	0
INVESCO EXCH TRADED FD TR IIS&P500 HDL VOL	ETF - EQUITY	46138E362	329	9,980	SH		SOLE		9,980	0	0
INVESCO EXCH TRADED FD TR IIPFD ETF	ETF - FIXED INCOME TAXABLE	46138E511	1,110	75,390	SH		SOLE		75,390	0	0
ISHARES GOLD TRUST	ETF - EQUITY	464285105	4,580	254,703	SH		SOLE		254,703	0	0
ISHARES GOLD TRUST	ETF - EQUITY	464285105	121	6,755	SH		DFND		6,755	0	0
ISHARES SELECT DIVIDEND ETF	ETF - EQUITY	464287168	1,096	13,446	SH		SOLE		13,346	0	100
ISHARES TIPS BOND ETF	ETF - FIXED INCOME TAXABLE	464287176	425	3,360	SH		SOLE		3,360	0	0
ISHARES S&P 500 INDEX FUND	ETF - EQUITY	464287200	2,677	7,966	SH		SOLE		7,966	0	0
ISHARES S&P 500 INDEX FUND	ETF - EQUITY	464287200	655	1,950	SH		DFND		1,950	0	0
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	25,334	214,588	SH		SOLE		212,983	0	1,605
ISHARES CORE US AGGREGATE BOND ETF	ETF - FIXED INCOME TAXABLE	464287226	1,463	12,395	SH		DFND		12,395	0	0
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	2,808	63,696	SH		SOLE		63,216	0	480
ISHARES MSCI EMERGING MARKETINDEX	ETF - EQUITY	464287234	104	2,355	SH		DFND		2,355	0	0
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	3,652	27,113	SH		SOLE		26,918	0	195
ISHARES IBOXX INVT GRADE CORPORATE BOND	ETF - FIXED INCOME TAXABLE	464287242	112	835	SH		DFND		835	0	0
ISHARES S&P 500 GROWTH INDEX FUND	ETF - EQUITY	464287309	459	1,985	SH		SOLE		1,985	0	0
ISHARES BARCLAYS 1-3 YR TREAS BOND FUND	ETF - FIXED INCOME TAXABLE	464287457	453	5,241	SH		SOLE		5,241	0	0
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	3,152	49,519	SH		SOLE		49,209	0	310
MSCI EAFE INDEX ISHARES	ETF - EQUITY	464287465	69	1,085	SH		DFND		1,085	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	5,002	33,395	SH		SOLE		33,395	0	0
ISHARES RUSSELL 2000 INDEX FUND	ETF - EQUITY	464287655	81	540	SH		DFND		540	0	0
ISHARES US REAL ESTATE ETF	ETF - EQUITY	464287739	502	6,289	SH		SOLE		6,289	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	2,915	41,515	SH		SOLE		41,240	0	275
ISHARES CORE S&P SMALL CAP ETF	ETF - EQUITY	464287804	243	3,460	SH		DFND		3,460	0	0
ISHARES TR MSCI ACWI ETF	ETF - EQUITY	464288257	11,537	144,360	SH		SOLE		144,360	0	0
ISHARES TR MSCI ACWI ETF	ETF - EQUITY	464288257	511	6,395	SH		DFND		6,395	0	0
ISHARES INTL SEL FIV ETF	ETF - EQUITY	464288448	447	17,943	SH		SOLE		17,603	0	340
ISHARES 1-3 YR CREDIT BOND ETF	ETF - FIXED INCOME TAXABLE	464288646	8,377	152,590	SH		SOLE		151,585	0	1,005
ISHARES 1-3 YR CREDIT BOND ETF	ETF - FIXED INCOME TAXABLE	464288646	421	7,670	SH		DFND		7,670	0	0
ISHARES US PREFERRED STOCK ETF	ETF - EQUITY	464288687	805	22,095	SH		SOLE		21,900	0	195
ISHARES FLOATING RATE BOND ETF	ETF - FIXED INCOME TAXABLE	46429B655	1,548	30,515	SH		SOLE		30,515	0	0
ISHARES INC CORE MSCI EMKT	ETF - EQUITY	46434G103	3,864	73,202	SH		SOLE		73,052	0	150
ISHARES INC CORE MSCI EMKT	ETF - EQUITY	46434G103	69	1,310	SH		DFND		1,310	0	0
JPMORGAN CHASE & CO	COMMON STOCK	46625H100	379	3,939	SH		SOLE		3,939	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	812	5,452	SH		SOLE		5,452	0	0
JOHNSON & JOHNSON	COMMON STOCK	478160104	1,392	9,350	SH		DFND		9,350	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	405	2,745	SH		SOLE		2,745	0	0
KIMBERLY CLARK CORP	COMMON STOCK	494368103	37	250	SH		DFND		250	0	0
KROGER CO	COMMON STOCK	501044101	433	12,785	SH		DFND		12,785	0	0
LILLY (ELI) & CO	COMMON STOCK	532457108	284	1,920	SH		SOLE		1,920	0	0
LOWES COS INC	COMMON STOCK	548661107	274	1,650	SH		SOLE		1,650	0	0
MC DONALDS	COMMON STOCK	580135101	832	3,790	SH		SOLE		3,790	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	1,303	15,714	SH		SOLE		15,714	0	0
MERCK & CO INC	COMMON STOCK	58933Y105	498	6,000	SH		DFND		6,000	0	0
MICROSOFT CORP	COMMON STOCK	594918104	2,108	10,020	SH		SOLE		10,020	0	0
MICROSOFT CORP	COMMON STOCK	594918104	42	200	SH		DFND		200	0	0
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	254	2,476	SH		SOLE		2,476	0	0
MICROCHIP TECHNOLOGY INC	COMMON STOCK	595017104	31	300	SH		DFND		300	0	0
MONDELEZ INTL INC CL A	COMMON STOCK	609207105	117	2,031	SH		SOLE		2,031	0	0
MONDELEZ INTL INC CL A	COMMON STOCK	609207105	575	10,000	SH		DFND		10,000	0	0
NETAPP INC COM	COMMON STOCK	64110D104	267	6,082	SH		SOLE		5,932	0	150
NETFLIX INC	COMMON STOCK	64110L106	350	700	SH		SOLE		700	0	0
NORFOLK SOUTHERN CORP	COMMON STOCK	655844108	567	2,650	SH		SOLE		2,650	0	0
NORTHERN TRUST CORP	COMMON STOCK	665859104	425	5,445	SH		SOLE		5,365	0	80
NOVAVAX INC COM	COMMON STOCK	670002401	217	2,000	SH		SOLE		2,000	0	0
ORACLE CORP	COMMON STOCK	68389X105	371	6,215	SH		SOLE		6,215	0	0
PPL CORP	COMMON STOCK	69351T106	448	16,454	SH		SOLE		16,204	0	250
PEPSICO INC	COMMON STOCK	713448108	613	4,420	SH		SOLE		4,420	0	0
PEPSICO INC	COMMON STOCK	713448108	128	920	SH		DFND		920	0	0
PFIZER INC	COMMON STOCK	717081103	1,474	40,164	SH		SOLE		39,969	0	195
PFIZER INC	COMMON STOCK	717081103	365	9,940	SH		DFND		9,940	0	0
PHILIP MORRIS INTL	COMMON STOCK	718172109	145	1,938	SH		SOLE		1,938	0	0
PHILIP MORRIS INTL	COMMON STOCK	718172109	600	8,000	SH		DFND		8,000	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	21,132	152,040	SH		SOLE		152,040	0	0
PROCTER & GAMBLE CO	COMMON STOCK	742718109	431	3,100	SH		DFND		3,100	0	0
PUBLIC SERVICE ENTERPRISE GROUP INC	COMMON STOCK	744573106	228	4,155	SH		SOLE		4,155	0	0
QUALCOMM CORP	COMMON STOCK	747525103	8,762	74,457	SH		SOLE		74,372	0	85
RAYTHEON TECHNOLOGIES CORP COM	COMMON STOCK	75513E101	42	737	SH		SOLE		737	0	0
RAYTHEON TECHNOLOGIES CORP COM	COMMON STOCK	75513E101	269	4,668	SH		DFND		4,668	0	0
S&P GLOBAL INC COM	COMMON STOCK	78409V104	433	1,200	SH		DFND		1,200	0	0
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	75,562	225,638	SH		SOLE		225,258	0	380
SPDR S&P 500 ETF TRUST	ETF - EQUITY	78462F103	1,937	5,785	SH		DFND		5,785	0	0
SPDR GOLD TRUST	ETF - EQUITY	78463V107	656	3,705	SH		SOLE		3,705	0	0
SPDR S&P DIVIDEND ETF	ETF - EQUITY	78464A763	1,766	19,110	SH		SOLE		19,025	0	85
SPDR DOW JONES INDL AVERAGE ETF TRUST	ETF - EQUITY	78467X109	326	1,175	SH		SOLE		1,175	0	0
SPDR S&P MIDCAP 400 ETF TRUST	ETF - EQUITY	78467Y107	3,827	11,294	SH		SOLE		11,229	0	65
SPDR S&P MIDCAP 400 ETF TRUST	ETF - EQUITY	78467Y107	239	705	SH		DFND		705	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	3,685	34,935	SH		SOLE		34,935	0	0
HEALTH CARE SELECT SECTOR	ETF - EQUITY	81369Y209	70	660	SH		DFND		660	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF - EQUITY	81369Y803	1,319	11,306	SH		SOLE		11,306	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	965	16,250	SH		SOLE		16,250	0	0
UTILITIES SELECT SECTOR SPDR	ETF - EQUITY	81369Y886	53	895	SH		DFND		895	0	0
SOUTHERN CO	COMMON STOCK	842587107	435	8,032	SH		SOLE		7,917	0	115
STANLEY BLACK & DECKER INC	COMMON STOCK	854502101	207	1,275	SH		DFND		1,275	0	0
SYSCO CORP	COMMON STOCK	871829107	380	6,101	SH		SOLE		5,981	0	120
TARGET CORP	COMMON STOCK	87612E106	1,350	8,575	SH		SOLE		8,575	0	0
TARGET CORP	COMMON STOCK	87612E106	472	3,000	SH		DFND		3,000	0	0
TESLA INC COM	COMMON STOCK	88160R101	245	570	SH		SOLE		570	0	0
TEXAS INSTRUMENTS	COMMON STOCK	882508104	214	1,500	SH		DFND		1,500	0	0
3M CO	COMMON STOCK	88579Y101	268	1,675	SH		SOLE		1,675	0	0
3M CO	COMMON STOCK	88579Y101	80	500	SH		DFND		500	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	24	120	SH		SOLE		120	0	0
UNION PACIFIC CORP	COMMON STOCK	907818108	945	4,800	SH		DFND		4,800	0	0
UNITED PARCEL SERVICE CL B	COMMON STOCK	911312106	1,155	6,932	SH		SOLE		6,857	0	75
VANECK VECTORS ETF TR LOW CARBN ENERGY	ETF - EQUITY	92189F502	205	1,865	SH		SOLE		1,865	0	0
VANECK VECTORS ETF TR AGRIBUSINESS ETF	ETF - EQUITY	92189F700	202	2,999	SH		SOLE		2,999	0	0
VANGUARD REIT ETF	ETF - EQUITY	922908553	395	5,000	SH		SOLE		5,000	0	0
VANGUARD REIT ETF	ETF - EQUITY	922908553	11	145	SH		DFND		145	0	0
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	909	15,281	SH		SOLE		15,166	0	115
VERIZON COMMUNICATIONS	COMMON STOCK	92343V104	126	2,125	SH		DFND		2,125	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	986	7,046	SH		SOLE		7,046	0	0
WAL-MART STORES INC	COMMON STOCK	931142103	28	200	SH		DFND		200	0	0
WESTERN DIGITAL CORP	COMMON STOCK	958102105	219	6,000	SH		DFND		6,000	0	0