Dubuque Bank & Trust 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
3M Co	COM	88579Y101	19	139	SH		DFND		124	0	15
3M Co	COM	88579Y101	5,007	36,680	SH		SOLE		34,489	0	2,191
ACCENTURE	SHS CLASS A	G1151C101	359	2,200	SH		DFND		2,200	0	0
ACCENTURE	SHS CLASS A	G1151C101	118	720	SH		SOLE		720	0	0
ADAMS EXPRESS COMPANY	COM	006212104	9,340	741,820	SH		SOLE		741,820	0	0
ALPHABET INC	CAP STK CL A	02079K305	347	299	SH		DFND		299	0	0
ALPHABET INC	CAP STK CL A	02079K305	6,607	5,686	SH		SOLE		5,665	0	21
AMER EXPRESS CO	COM	025816109	148	1,730	SH		DFND		1,730	0	0
AMER EXPRESS CO	COM	025816109	4,160	48,595	SH		SOLE		48,418	0	177
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	5	19	SH		DFND		19	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	1,745	6,669	SH		SOLE		6,320	0	349
AT&T INC	COM	00206R102	46	1,570	SH		DFND		1,570	0	0
AT&T INC	COM	00206R102	760	26,071	SH		SOLE		26,071	0	0
AbbVie Inc	COM	00287Y109	49	649	SH		DFND		534	0	115
AbbVie Inc	COM	00287Y109	5,801	76,143	SH		SOLE		73,652	0	2,491
Abbott Laboratories	COM	002824100	13	163	SH		DFND		163	0	0
Abbott Laboratories	COM	002824100	3,022	38,298	SH		SOLE		35,816	0	2,482
Alibaba Group Holding Ltd	SPONSORED ADS	01609W102	52	269	SH		DFND		269	0	0
Alibaba Group Holding Ltd	SPONSORED ADS	01609W102	1,793	9,221	SH		SOLE		8,793	0	428
Alliant Energy Corp	COM	018802108	5	100	SH		DFND		0	0	100
Alliant Energy Corp	COM	018802108	251	5,199	SH		SOLE		5,199	0	0
Alphabet Inc	CAP STK CL C	02079K107	226	194	SH		DFND		194	0	0
Alphabet Inc	CAP STK CL C	02079K107	1,251	1,076	SH		SOLE		1,076	0	0
Amazon.com Inc	COM	023135106	817	419	SH		DFND		419	0	0
Amazon.com Inc	COM	023135106	1,538	789	SH		SOLE		789	0	0
American Electric Power Co Inc	COM	025537101	295	3,686	SH		SOLE		3,686	0	0
Ameriprise Financial Inc	COM	03076C106	35	346	SH		DFND		346	0	0
Ameriprise Financial Inc	COM	03076C106	300	2,924	SH		SOLE		2,924	0	0
Amgen Inc	COM	031162100	194	957	SH		DFND		937	0	20
Amgen Inc	COM	031162100	12,716	62,722	SH		SOLE		60,709	0	2,013
Anheuser-Busch InBev SA/NV	SPONSORED ADR	03524A108	1	32	SH		DFND		32	0	0
Anheuser-Busch InBev SA/NV	SPONSORED ADR	03524A108	480	10,873	SH		SOLE		10,290	0	583
Aphria Inc	COM	03765K104	178	58,170	SH		DFND		58,170	0	0
Apple Inc	COM	037833100	1,083	4,259	SH		DFND		4,244	0	15
Apple Inc	COM	037833100	18,532	72,879	SH		SOLE		71,177	0	1,702
BAXTER INTL INC	COM	071813109	399	4,913	SH		SOLE		4,913	0	0
BECTON DICKINSON	COM	075887109	269	1,172	SH		SOLE		1,172	0	0
BK OF AMERICA CORP	COM	060505104	53	2,489	SH		DFND		2,269	0	220
BK OF AMERICA CORP	COM	060505104	616	29,027	SH		SOLE		29,027	0	0
BLACKROCK TCP CAPITAL CORP	COM	09259E108	931	148,930	SH		SOLE		148,930	0	0
BOEING CO	COM	097023105	60	403	SH		DFND		368	0	35
BOEING CO	COM	097023105	2,696	18,080	SH		SOLE		16,943	0	1,137
BRISTOL-MYRS SQUIB	COM	110122108	17	301	SH		DFND		178	0	123
BRISTOL-MYRS SQUIB	COM	110122108	660	11,844	SH		SOLE		11,844	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	5	30	SH		DFND		30	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	6,135	33,556	SH		SOLE		33,466	0	90
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	419	3,943	SH		SOLE		3,943	0	0
BlackRock Inc	COM	09247X101	16	36	SH		DFND		36	0	0
BlackRock Inc	COM	09247X101	8,015	18,217	SH		SOLE		17,638	0	579
Broadcom Inc	COM	11135F101	23	97	SH		DFND		97	0	0
Broadcom Inc	COM	11135F101	3,865	16,302	SH		SOLE		15,101	0	1,201
CDW Corp/DE	COM	12514G108	354	3,800	SH		SOLE		3,800	0	0
CISCO SYSTEMS	COM	17275R102	96	2,444	SH		DFND		2,349	0	95
CISCO SYSTEMS	COM	17275R102	10,891	277,062	SH		SOLE		266,518	0	10,544
CITRIX SYSTEMS INC	COM	177376100	237	1,675	SH		DFND		1,675	0	0
COLGATE-PALMOLIVE	COM	194162103	80	1,200	SH		DFND		1,200	0	0
COLGATE-PALMOLIVE	COM	194162103	277	4,170	SH		SOLE		4,170	0	0
CRONOS GROUP INC	COM	22717L101	128	22,490	SH		DFND		22,490	0	0
CVS Health Corp	COM	126650100	5	90	SH		DFND		0	0	90
CVS Health Corp	COM	126650100	485	8,175	SH		SOLE		8,175	0	0
Callon Petroleum Co	COM	13123X102	7	13,340	SH		SOLE		13,340	0	0
Chevron Corp	COM	166764100	20	277	SH		DFND		227	0	50
Chevron Corp	COM	166764100	7,564	104,388	SH		SOLE		100,460	0	3,928
Cigna Corp	COM	125523100	3	18	SH		DFND		0	0	18
Cigna Corp	COM	125523100	211	1,191	SH		SOLE		191	0	1,000
City Office REIT Inc	COM	178587101	671	92,844	SH		SOLE		92,844	0	0
Coca-Cola Co/The	COM	191216100	103	2,328	SH		DFND		2,328	0	0
Coca-Cola Co/The	COM	191216100	5,068	114,521	SH		SOLE		106,991	0	7,530
Cohen & Steers Funds/Closed-en	COM	19247X100	3,547	220,036	SH		SOLE		220,036	0	0
Comcast Corp	CL A	20030N101	648	18,857	SH		SOLE		18,857	0	0
Costco Wholesale Corp	COM	22160K105	5,838	20,475	SH		SOLE		20,409	0	66
DUKE ENERGY CORP	COM NEW	26441C204	8	100	SH		DFND		100	0	0
DUKE ENERGY CORP	COM NEW	26441C204	245	3,030	SH		SOLE		3,030	0	0
Danaher Corp	COM	235851102	264	1,904	SH		SOLE		1,904	0	0
DocuSign Inc	COM	256163106	465	5,030	SH		DFND		5,030	0	0
Doubleline Capital LP	COM	258622109	865	64,855	SH		SOLE		64,855	0	0
ECOLAB INC	COM	278865100	249	1,600	SH		DFND		1,600	0	0
ECOLAB INC	COM	278865100	117	754	SH		SOLE		754	0	0
Emergent BioSolutions Inc	COM	29089Q105	1,300	22,467	SH		SOLE		22,467	0	0
Endurance International Group	COM	29272B105	685	355,093	SH		SOLE		355,093	0	0
Exxon Mobil Corp	COM	30231G102	243	6,404	SH		DFND		650	0	5,754
Exxon Mobil Corp	COM	30231G102	551	14,511	SH		SOLE		13,946	0	565
FEDEX CORP	COM	31428X106	6	50	SH		DFND		50	0	0
FEDEX CORP	COM	31428X106	4,149	34,216	SH		SOLE		34,103	0	113
FLEXSHARES TR	MORNSTAR USMKT	33939L100	303	3,245	SH		SOLE		3,245	0	0
FS INVT CORP	COM	302635107	1,397	465,753	SH		SOLE		465,753	0	0
Facebook Inc	CL A	30303M102	19	116	SH		DFND		116	0	0
Facebook Inc	CL A	30303M102	5,009	30,030	SH		SOLE		29,916	0	114
Fifth Third Bancorp	COM	316773100	35	2,335	SH		DFND		2,335	0	0
Fifth Third Bancorp	COM	316773100	171	11,500	SH		SOLE		11,500	0	0
First Trust ETFs/USA	DORSEY WRIGHT	33738R886	337	24,550	SH		SOLE		24,550	0	0
FirstEnergy Corp	COM	337932107	799	19,944	SH		SOLE		19,944	0	0
GOLDMAN SACHS GRP	COM	38141G104	100	650	SH		DFND		650	0	0
GOLDMAN SACHS GRP	COM	38141G104	2,943	19,036	SH		SOLE		18,966	0	70
General Electric Co	COM	369604103	43	5,400	SH		DFND		600	0	4,800
General Electric Co	COM	369604103	290	36,478	SH		SOLE		35,728	0	750
General Mills Inc	COM	370334104	339	6,431	SH		SOLE		6,431	0	0
Genmab A/S	SPONSORED ADS	372303206	4	203	SH		DFND		203	0	0
Genmab A/S	SPONSORED ADS	372303206	1,527	72,060	SH		SOLE		68,391	0	3,669
Gilead Sciences Inc	COM	375558103	90	1,200	SH		DFND		1,200	0	0
Gilead Sciences Inc	COM	375558103	275	3,672	SH		SOLE		3,672	0	0
Global Payments Inc	COM	37940X102	383	2,655	SH		DFND		2,655	0	0
Global Payments Inc	COM	37940X102	44	304	SH		SOLE		304	0	0
Goosehead Insurance Inc	COM CL A	38267D109	295	6,605	SH		DFND		6,605	0	0
HOME DEPOT INC	COM	437076102	34	182	SH		DFND		182	0	0
HOME DEPOT INC	COM	437076102	5,604	30,017	SH		SOLE		28,030	0	1,987
Heartland Financial USA Inc	COM	42234Q102	4,677	154,871	SH		DFND		147,983	0	6,888
Heartland Financial USA Inc	COM	42234Q102	44,126	1,461,128	SH		SOLE		523,431	0	937,697
Honeywell International Inc	COM	438516106	767	5,735	SH		DFND		435	0	5,300
Honeywell International Inc	COM	438516106	655	4,894	SH		SOLE		4,244	0	650
INDEXIQ ETF TRUST/USA	HEDGE MLTI ETF	45409B107	4,046	142,099	SH		SOLE		140,026	0	2,073
INTL BUSINESS MCHN	COM	459200101	98	880	SH		DFND		100	0	780
INTL BUSINESS MCHN	COM	459200101	125	1,127	SH		SOLE		1,027	0	100
ISHARES	SELECT DIVID ETF	464287168	202	2,747	SH		SOLE		2,747	0	0
ISHARES	CORE S&P500 ETF	464287200	23	90	SH		DFND		90	0	0
ISHARES	CORE S&P500 ETF	464287200	1,310	5,069	SH		SOLE		5,069	0	0
ISHARES	S&P 500 GRWT ETF	464287309	1,154	6,990	SH		SOLE		6,990	0	0
ISHARES	RUSSELL 2000 ETF	464287655	508	4,441	SH		DFND		4,441	0	0
ISHARES	RUSSELL 2000 ETF	464287655	639	5,587	SH		SOLE		5,587	0	0
ISHARES	EAFE VALUE ETF	464288877	2,932	82,154	SH		SOLE		82,154	0	0
ISHARES	ISHARES	46428Q109	175	13,377	SH		DFND		13,377	0	0
ISHARES GOLD TRUST	ISHARES	464285105	267	17,745	SH		SOLE		17,745	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	2,877	33,192	SH		SOLE		31,478	0	1,714
ISHARES TRUST	RUS 1000 VAL ETF	464287598	215	2,166	SH		SOLE		2,166	0	0
Innovative Industrial Properti	COM	45781V101	549	7,225	SH		DFND		7,225	0	0
Inphi Corp	COM	45772F107	217	2,735	SH		DFND		2,735	0	0
Intel Corp	COM	458140100	32	593	SH		DFND		538	0	55
Intel Corp	COM	458140100	6,276	115,963	SH		SOLE		109,996	0	5,967
Intuitive Surgical Inc	COM NEW	46120E602	414	837	SH		DFND		837	0	0
Intuitive Surgical Inc	COM NEW	46120E602	10	21	SH		SOLE		21	0	0
Invesco ETFs/USA	DIVID ACHIEVEV	46137V506	394	16,000	SH		SOLE		16,000	0	0
Invesco ETFs/USA	INTL DIVI ACHI	46137V548	166	14,600	SH		SOLE		14,600	0	0
Invesco ETFs/USA	S&P MIDCP LOW	46138E198	29	725	SH		DFND		725	0	0
Invesco ETFs/USA	S&P MIDCP LOW	46138E198	241	6,050	SH		SOLE		6,050	0	0
Invesco ETFs/USA	S&P INTL LOW	46138E230	1,691	64,340	SH		SOLE		63,835	0	505
Invesco ETFs/USA	S&P500 LOW VOL	46138E354	3,124	66,572	SH		SOLE		65,473	0	1,099
Invesco ETFs/USA	PFD ETF	46138E511	150	11,382	SH		SOLE		11,382	0	0
Invesco ETFs/USA	VAR RATE PFD	46138G870	246	11,450	SH		SOLE		11,450	0	0
JPMorgan Chase & Co	COM	46625H100	181	2,006	SH		DFND		1,951	0	55
JPMorgan Chase & Co	COM	46625H100	8,468	94,061	SH		SOLE		91,094	0	2,967
Johnson & Johnson	COM	478160104	138	1,051	SH		DFND		1,001	0	50
Johnson & Johnson	COM	478160104	12,700	96,854	SH		SOLE		93,823	0	3,031
KIMBERLY-CLARK CP	COM	494368103	252	1,970	SH		DFND		750	0	1,220
KIMBERLY-CLARK CP	COM	494368103	87	681	SH		SOLE		681	0	0
Kansas City Southern	COM NEW	485170302	87	685	SH		DFND		685	0	0
Kansas City Southern	COM NEW	485170302	131	1,028	SH		SOLE		1,028	0	0
Kraft Foods Inc	CL A	609207105	636	12,697	SH		SOLE		12,697	0	0
LOWE'S COS INC	COM	548661107	172	2,000	SH		DFND		2,000	0	0
LOWE'S COS INC	COM	548661107	4,658	54,135	SH		SOLE		53,910	0	225
Linde PLC	SHS	G5494J103	484	2,800	SH		DFND		2,800	0	0
Linde PLC	SHS	G5494J103	19	107	SH		SOLE		107	0	0
MASTERCARD INC	CL A	57636Q104	536	2,220	SH		DFND		2,220	0	0
MASTERCARD INC	CL A	57636Q104	796	3,294	SH		SOLE		3,294	0	0
MCDONALD'S CORP	COM	580135101	173	1,049	SH		DFND		1,014	0	35
MCDONALD'S CORP	COM	580135101	4,864	29,414	SH		SOLE		27,577	0	1,837
MICROSOFT CORP	COM	594918104	947	6,006	SH		DFND		5,911	0	95
MICROSOFT CORP	COM	594918104	16,949	107,469	SH		SOLE		104,824	0	2,645
MOODYS CORP	COM	615369105	296	1,400	SH		DFND		0	0	1,400
MOODYS CORP	COM	615369105	2	11	SH		SOLE		11	0	0
MORGAN STANLEY	COM NEW	617446448	53	1,556	SH		DFND		1,556	0	0
MORGAN STANLEY	COM NEW	617446448	2,608	76,703	SH		SOLE		71,077	0	5,626
Medtronic PLC	SHS	G5960L103	20	218	SH		DFND		218	0	0
Medtronic PLC	SHS	G5960L103	9,997	110,859	SH		SOLE		107,518	0	3,341
Merck & Co Inc	COM	58933Y105	87	1,135	SH		DFND		1,080	0	55
Merck & Co Inc	COM	58933Y105	380	4,933	SH		SOLE		4,833	0	100
MetLife Inc	COM	59156R108	271	8,855	SH		SOLE		8,855	0	0
NIKE INC	CL B	654106103	253	3,059	SH		SOLE		3,059	0	0
NORTHROP GRUMMAN	COM	666807102	6	20	SH		DFND		0	0	20
NORTHROP GRUMMAN	COM	666807102	477	1,575	SH		SOLE		1,575	0	0
NOVAGOLD RESOURCES	COM NEW	66987E206	185	25,000	SH		DFND		25,000	0	0
Nuveen Closed-End Funds/USA	COM	6706ER101	2,111	208,993	SH		SOLE		206,890	0	2,103
Nuveen Closed-End Funds/USA	COM	67074Y105	3,713	376,233	SH		SOLE		376,233	0	0
ORACLE CORP	COM	68389X105	3	70	SH		DFND		0	0	70
ORACLE CORP	COM	68389X105	4,905	101,487	SH		SOLE		101,072	0	415
Okta Inc	CL A	679295105	267	2,185	SH		DFND		2,185	0	0
PEPSICO INC	COM	713448108	64	530	SH		DFND		500	0	30
PEPSICO INC	COM	713448108	3,805	31,682	SH		SOLE		31,560	0	122
PNC Financial Services Group I	COM	693475105	2	20	SH		DFND		0	0	20
PNC Financial Services Group I	COM	693475105	323	3,374	SH		SOLE		3,374	0	0
PROSHARES TRUST	PSHS ULTRA QQQ	74347R206	281	3,133	SH		DFND		3,133	0	0
Palo Alto Networks Inc	COM	697435105	1,216	7,417	SH		SOLE		7,390	0	27
Pegasystems Inc	COM	705573103	233	3,265	SH		DFND		3,265	0	0
Pfizer Inc	COM	717081103	454	13,916	SH		DFND		4,391	0	9,525
Pfizer Inc	COM	717081103	1,026	31,440	SH		SOLE		22,340	0	9,100
Physicians Realty Trust	COM	71943U104	933	66,912	SH		SOLE		66,912	0	0
Postal Realty Trust Inc	CL A	73757R102	1,398	88,393	SH		SOLE		88,393	0	0
Procter & Gamble Co/The	COM	742718109	17	155	SH		DFND		130	0	25
Procter & Gamble Co/The	COM	742718109	3,660	33,276	SH		SOLE		31,475	0	1,801
Prudential PLC	ADR	74435K204	3	112	SH		DFND		112	0	0
Prudential PLC	ADR	74435K204	959	38,698	SH		SOLE		36,533	0	2,165
Qorvo Inc	COM	74736K101	216	2,680	SH		DFND		2,680	0	0
RAYTHEON CO	COM NEW	755111507	541	4,127	SH		SOLE		4,127	0	0
ROPER INDUSTRIES INC	COM	776696106	62	200	SH		DFND		200	0	0
ROPER INDUSTRIES INC	COM	776696106	249	800	SH		SOLE		800	0	0
SALESFORCE.COM INC	COM	79466L302	669	4,644	SH		DFND		4,644	0	0
SALESFORCE.COM INC	COM	79466L302	2,964	20,586	SH		SOLE		20,508	0	78
SHOPIFY INC	CL A	82509L107	655	1,570	SH		DFND		1,570	0	0
STARBUCKS CORP	COM	855244109	247	3,762	SH		DFND		3,762	0	0
STARBUCKS CORP	COM	855244109	10,005	152,195	SH		SOLE		147,082	0	5,113
Seligman Funds/Closed-end/USA	COM	895436103	7,124	340,707	SH		SOLE		340,707	0	0
ServiceNow Inc	COM	81762P102	395	1,380	SH		DFND		1,380	0	0
Shenandoah Telecommunications	COM	82312B106	512	10,400	SH		DFND		10,400	0	0
Splunk Inc	COM	848637104	3,248	25,728	SH		SOLE		25,621	0	107
Starwood Property Trust Inc	COM	85571B105	571	55,694	SH		SOLE		55,694	0	0
State Street ETF/USA	TR UNIT	78462F103	146	565	SH		DFND		565	0	0
State Street ETF/USA	TR UNIT	78462F103	4,790	18,585	SH		SOLE		18,585	0	0
State Street ETF/USA	BLOOMBERG BRCLYS	78468R622	689	7,276	SH		SOLE		7,276	0	0
State Street ETF/USA	SPDR BLOOMBERG	78468R663	6	68	SH		DFND		68	0	0
State Street ETF/USA	SPDR BLOOMBERG	78468R663	5,880	64,174	SH		SOLE		63,811	0	363
State Street ETF/USA	NUVEEN BLMBRG SR	78468R739	1,232	25,195	SH		SOLE		25,195	0	0
T Rowe Price Group Inc	COM	74144T108	13	138	SH		DFND		138	0	0
T Rowe Price Group Inc	COM	74144T108	3,046	31,193	SH		SOLE		29,209	0	1,984
TEXAS INSTRUMENTS	COM	882508104	25	248	SH		DFND		248	0	0
TEXAS INSTRUMENTS	COM	882508104	8,715	87,207	SH		SOLE		83,716	0	3,491
TRAVELERS CO INC	COM	89417E109	414	4,166	SH		SOLE		4,166	0	0
Target Corp	COM	87612E106	6	65	SH		DFND		0	0	65
Target Corp	COM	87612E106	273	2,941	SH		SOLE		2,941	0	0
Thermo Fisher Scientific Inc	COM	883556102	380	1,340	SH		DFND		1,340	0	0
Thermo Fisher Scientific Inc	COM	883556102	624	2,202	SH		SOLE		2,202	0	0
Tiffany & Co	COM	886547108	78	600	SH		DFND		600	0	0
Tiffany & Co	COM	886547108	3,263	25,199	SH		SOLE		25,100	0	99
US BANCORP	COM NEW	902973304	445	12,903	SH		DFND		12,903	0	0
US BANCORP	COM NEW	902973304	3,125	90,707	SH		SOLE		84,029	0	6,678
UTD TECHNOLOGIES	COM	913017109	74	782	SH		DFND		782	0	0
UTD TECHNOLOGIES	COM	913017109	7,586	80,419	SH		SOLE		77,801	0	2,618
Union Pacific Corp	COM	907818108	253	1,792	SH		SOLE		1,792	0	0
United Parcel Service Inc	CL B	911312106	16	171	SH		DFND		171	0	0
United Parcel Service Inc	CL B	911312106	3,872	41,449	SH		SOLE		38,753	0	2,696
UnitedHealth Group Inc	COM	91324P102	383	1,535	SH		DFND		1,525	0	10
UnitedHealth Group Inc	COM	91324P102	238	956	SH		SOLE		956	0	0
Universal Display Corp	COM	91347P105	291	2,205	SH		DFND		2,205	0	0
Universal Display Corp	COM	91347P105	9	67	SH		SOLE		67	0	0
VANGUARD	FINANCIALS ETF	92204A405	1,043	20,564	SH		SOLE		20,564	0	0
VANGUARD	REAL ESTATE ETF	922908553	27	392	SH		DFND		392	0	0
VANGUARD	REAL ESTATE ETF	922908553	1,190	17,037	SH		SOLE		17,037	0	0
VANGUARD ETF/USA	COMM SRVC ETF	92204A884	14	189	SH		DFND		189	0	0
VANGUARD ETF/USA	COMM SRVC ETF	92204A884	3,871	50,818	SH		SOLE		48,108	0	2,710
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	3,181	40,214	SH		SOLE		40,214	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	1,293	14,561	SH		SOLE		14,561	0	0
VANGUARD GROUP INC/THE	INTL BD IDX ETF	92203J407	957	17,010	SH		SOLE		17,010	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	1,201	10,890	SH		SOLE		10,890	0	0
VERIZON COMMUN	COM	92343V104	22	409	SH		DFND		281	0	128
VERIZON COMMUN	COM	92343V104	4,045	75,293	SH		SOLE		70,956	0	4,337
VISA INC	COM CL A	92826C839	744	4,618	SH		DFND		4,618	0	0
VISA INC	COM CL A	92826C839	3,403	21,118	SH		SOLE		21,031	0	87
VanEck Vectors ETFs/USA	AMT FREE INT ETF	92189H201	10,088	205,356	SH		SOLE		205,356	0	0
VanEck Vectors ETFs/USA	HIGH YLD MUN ETF	92189H409	844	16,150	SH		SOLE		16,150	0	0
Vanguard ETF/USA	DIV APP ETF	921908844	445	4,300	SH		SOLE		4,300	0	0
Vanguard ETF/USA	INTERMED TERM	921937819	352	3,945	SH		SOLE		3,945	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	5,847	68,508	SH		SOLE		66,503	0	2,005
Vanguard ETF/USA	FTSE DEV MKT ETF	921943858	3,678	110,327	SH		SOLE		110,327	0	0
Vanguard ETF/USA	FTSE EMR MKT ETF	922042858	1,464	43,645	SH		SOLE		43,645	0	0
Vanguard ETF/USA	CONSUM DIS ETF	92204A108	1,228	8,449	SH		SOLE		8,449	0	0
Vanguard ETF/USA	CONSUM STP ETF	92204A207	4	29	SH		DFND		29	0	0
Vanguard ETF/USA	CONSUM STP ETF	92204A207	916	6,647	SH		SOLE		6,647	0	0
Vanguard ETF/USA	HEALTH CAR ETF	92204A504	1,718	10,345	SH		SOLE		10,345	0	0
Vanguard ETF/USA	INF TECH ETF	92204A702	5	22	SH		DFND		22	0	0
Vanguard ETF/USA	INF TECH ETF	92204A702	2,148	10,138	SH		SOLE		10,138	0	0
Vanguard ETF/USA	SML CP GRW ETF	922908595	1,382	9,195	SH		SOLE		9,195	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	8,257	52,696	SH		SOLE		52,696	0	0
Vanguard ETF/USA	VALUE ETF	922908744	7,945	89,210	SH		SOLE		89,210	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	619	5,358	SH		SOLE		5,358	0	0
Vanguard ETF/USA	TOTAL STK MKT	922908769	375	2,910	SH		DFND		2,910	0	0
Vanguard ETF/USA	TOTAL STK MKT	922908769	9,863	76,509	SH		SOLE		76,509	0	0
Vanguard Group Inc/The	LARGE CAP ETF	922908637	3,522	29,743	SH		SOLE		29,743	0	0
Veeva Systems Inc	CL A COM	922475108	462	2,955	SH		DFND		2,955	0	0
WASTE MANAGEMENT	COM	94106L109	218	2,353	SH		SOLE		2,353	0	0
Walmart Inc	COM	931142103	122	1,075	SH		DFND		930	0	145
Walmart Inc	COM	931142103	13,852	121,915	SH		SOLE		117,567	0	4,348
Walt Disney Co/The	COM DISNEY	254687106	65	677	SH		DFND		557	0	120
Walt Disney Co/The	COM DISNEY	254687106	3,895	40,324	SH		SOLE		40,184	0	140
Wells Fargo & Co	COM	949746101	32	1,118	SH		DFND		1,118	0	0
Wells Fargo & Co	COM	949746101	732	25,508	SH		SOLE		25,508	0	0
Yum China Holdings Inc	COM	98850P109	2	54	SH		DFND		54	0	0
Yum China Holdings Inc	COM	98850P109	835	19,595	SH		SOLE		18,064	0	1,531
iShares ETFs/USA	CORE US AGGBD ET	464287226	133	1,150	SH		DFND		1,150	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	1,050	9,100	SH		SOLE		9,100	0	0
iShares ETFs/USA	MSCI EMG MKT ETF	464287234	14	405	SH		DFND		405	0	0
iShares ETFs/USA	MSCI EMG MKT ETF	464287234	448	13,135	SH		SOLE		13,135	0	0
iShares ETFs/USA	BARCLAYS 7 10 YR	464287440	906	7,462	SH		SOLE		6,767	0	695
iShares ETFs/USA	MSCI EAFE ETF	464287465	38	715	SH		DFND		715	0	0
iShares ETFs/USA	MSCI EAFE ETF	464287465	5,453	101,997	SH		SOLE		101,286	0	711
iShares ETFs/USA	RUS MID CAP ETF	464287499	760	17,606	SH		SOLE		17,606	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	65	452	SH		DFND		237	0	215
iShares ETFs/USA	CORE S&P MCP ETF	464287507	625	4,347	SH		SOLE		4,347	0	0
iShares ETFs/USA	S&P MC 400GR ETF	464287606	302	1,692	SH		SOLE		1,692	0	0
iShares ETFs/USA	RUS 1000 GRW ETF	464287614	191	1,271	SH		DFND		1,271	0	0
iShares ETFs/USA	RUS 1000 GRW ETF	464287614	282	1,871	SH		SOLE		1,871	0	0
iShares ETFs/USA	RUS 1000 ETF	464287622	312	2,206	SH		SOLE		2,206	0	0
iShares ETFs/USA	RUS 2000 GRW ETF	464287648	293	1,855	SH		SOLE		1,855	0	0
iShares ETFs/USA	S&P MC 400VL ETF	464287705	286	2,602	SH		SOLE		2,602	0	0
iShares ETFs/USA	CORE S&P SCP ETF	464287804	19	340	SH		DFND		340	0	0
iShares ETFs/USA	CORE S&P SCP ETF	464287804	933	16,621	SH		SOLE		16,621	0	0
iShares ETFs/USA	JPMORGAN USD EMG	464288281	577	5,971	SH		SOLE		5,971	0	0
iShares ETFs/USA	MBS ETF	464288588	385	3,485	SH		SOLE		3,485	0	0
iShares ETFs/USA	EAFE GRWTH ETF	464288885	3,113	43,784	SH		SOLE		43,784	0	0
iShares ETFs/USA	ULTR SH TRM BD	46434V878	573	11,478	SH		SOLE		9,748	0	1,730