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SEC FORM 13F-HR

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 COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: Oct 31, 2018
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 09-30-2022
Check here if Amendment    Amendment Number:
This Amendment (Check only one.):    is a restatement.
   adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: BANK OZK
Address: 18000 CANTRELL ROAD
LITTLE ROCK, AR  72223
Form 13F File Number: 028-15250

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: SHEILA MAYDEN
Title: EVP CORPORATE TRUST MANAGER
Phone: 501-978-2218
Signature, Place, and Date of Signing:
/s/ SHEILA MAYDEN LITTLE ROCK,  AR 11-10-2022
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
   13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
   13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 226
Form 13F Information Table Value Total: 184,252
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE
SEC FORM 13-F Information Table

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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 280 1,087 SH   SOLE   1,087 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 129 500 SH   OTR   150 0 350
MEDTRONIC PLC SHS G5960L103 1,522 18,849 SH   SOLE   18,849 0 0
MEDTRONIC PLC SHS G5960L103 787 9,751 SH   OTR   9,201 550 0
AFLAC INC COM 001055102 1,489 26,500 SH   OTR   26,500 0 0
AT&T INC COM 00206R102 1,478 96,365 SH   SOLE   94,705 1,000 660
AT&T INC COM 00206R102 337 21,969 SH   OTR   11,774 10,195 0
ABBOTT LABS COM 002824100 959 9,908 SH   SOLE   9,558 350 0
ABBOTT LABS COM 002824100 988 10,210 SH   OTR   10,210 0 0
ABBVIE INC COM 00287Y109 3,338 24,873 SH   SOLE   24,773 100 0
ABBVIE INC COM 00287Y109 1,839 13,705 SH   OTR   13,244 461 0
ALLSTATE CORP COM 020002101 754 6,054 SH   SOLE   6,054 0 0
ALLSTATE CORP COM 020002101 694 5,573 SH   OTR   5,494 79 0
ALPHABET INC CAP STK CL C 02079K107 402 4,180 SH   SOLE   4,180 0 0
ALPHABET INC CAP STK CL A 02079K305 2,744 28,693 SH   SOLE   28,693 0 0
ALPHABET INC CAP STK CL A 02079K305 413 4,315 SH   OTR   3,720 595 0
ALTRIA GROUP INC COM 02209S103 495 12,257 SH   SOLE   11,537 720 0
ALTRIA GROUP INC COM 02209S103 81 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106 1,368 12,107 SH   SOLE   12,107 0 0
AMAZON COM INC COM 023135106 162 1,433 SH   OTR   760 673 0
AMERICAN ELEC PWR CO INC COM 025537101 394 4,556 SH   SOLE   4,556 0 0
AMERICAN ELEC PWR CO INC COM 025537101 217 2,505 SH   OTR   1,447 1,058 0
AMGEN INC COM 031162100 2,808 12,460 SH   SOLE   12,410 50 0
AMGEN INC COM 031162100 457 2,026 SH   OTR   1,736 290 0
APPLE INC COM 037833100 10,238 74,078 SH   SOLE   73,293 685 100
APPLE INC COM 037833100 1,474 10,664 SH   OTR   8,320 1,192 1,152
APPLIED MATLS INC COM 038222105 2,898 35,366 SH   SOLE   35,366 0 0
APPLIED MATLS INC COM 038222105 319 3,889 SH   OTR   3,425 464 0
ARES CAPITAL CORP COM 04010L103 203 12,000 SH   SOLE   12,000 0 0
ARES CAPITAL CORP COM 04010L103 490 29,000 SH   OTR   0 0 29,000
AUTOMATIC DATA PROCESSING IN COM 053015103 81 358 SH   SOLE   358 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,629 7,200 SH   OTR   7,200 0 0
BK OF AMERICA CORP COM 060505104 3,019 99,966 SH   SOLE   99,133 50 783
BK OF AMERICA CORP COM 060505104 599 19,832 SH   OTR   11,781 3,677 4,374
BLACKROCK INC COM 09247X101 1,528 2,777 SH   SOLE   2,777 0 0
BLACKROCK INC COM 09247X101 151 275 SH   OTR   138 137 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 1,928 20,874 SH   SOLE   20,874 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 313 3,386 SH   OTR   1,635 1,751 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,257 31,748 SH   SOLE   31,148 500 100
BRISTOL-MYERS SQUIBB CO COM 110122108 191 2,680 SH   OTR   1,380 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 577 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101 235 530 SH   SOLE   530 0 0
BROADCOM INC COM 11135F101 66 149 SH   OTR   16 133 0
CVS HEALTH CORP COM 126650100 1,809 18,968 SH   SOLE   18,968 0 0
CVS HEALTH CORP COM 126650100 180 1,888 SH   OTR   1,340 548 0
CAPITAL ONE FINL CORP COM 14040H105 1,009 10,942 SH   SOLE   10,942 0 0
CAPITAL ONE FINL CORP COM 14040H105 84 906 SH   OTR   525 381 0
CHEVRON CORP NEW COM 166764100 3,088 21,492 SH   SOLE   21,367 125 0
CHEVRON CORP NEW COM 166764100 351 2,444 SH   OTR   2,073 371 0
CISCO SYS INC COM 17275R102 2,695 67,370 SH   SOLE   67,020 200 150
CISCO SYS INC COM 17275R102 332 8,311 SH   OTR   6,946 1,365 0
CITRIX SYS INC COM 177376100 268 2,580 SH   SOLE   2,580 0 0
CITRIX SYS INC COM 177376100 77 744 SH   OTR   0 744 0
COCA COLA CO COM 191216100 714 12,749 SH   SOLE   12,299 400 50
COCA COLA CO COM 191216100 405 7,222 SH   OTR   7,222 0 0
COLGATE PALMOLIVE CO COM 194162103 366 5,207 SH   SOLE   4,867 340 0
COMCAST CORP NEW CL A 20030N101 1,233 42,053 SH   SOLE   42,053 0 0
COMCAST CORP NEW CL A 20030N101 235 8,000 SH   OTR   3,374 2,100 2,526
CONOCOPHILLIPS COM 20825C104 604 5,900 SH   SOLE   5,725 175 0
CONOCOPHILLIPS COM 20825C104 197 1,921 SH   OTR   1,750 171 0
CONSOLIDATED EDISON INC COM 209115104 163 1,905 SH   SOLE   1,905 0 0
CONSOLIDATED EDISON INC COM 209115104 51 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105 840 1,778 SH   SOLE   1,778 0 0
COSTCO WHSL CORP NEW COM 22160K105 162 343 SH   OTR   251 92 0
CROWN CASTLE INC COM 22822V101 99 685 SH   SOLE   685 0 0
CROWN CASTLE INC COM 22822V101 366 2,529 SH   OTR   0 54 2,475
DARDEN RESTAURANTS INC COM 237194105 216 1,710 SH   SOLE   1,710 0 0
DISNEY WALT CO COM 254687106 1,069 11,328 SH   SOLE   11,328 0 0
DISNEY WALT CO COM 254687106 130 1,374 SH   OTR   752 622 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,246 13,397 SH   SOLE   13,397 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 467 5,019 SH   OTR   3,224 0 1,795
EOG RES INC COM 26875P101 443 3,967 SH   SOLE   3,967 0 0
EOG RES INC COM 26875P101 170 1,518 SH   OTR   698 40 780
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 176 4,659 SH   SOLE   626 0 4,033
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 419 11,112 SH   OTR   0 0 11,112
EASTMAN CHEM CO COM 277432100 809 11,388 SH   SOLE   11,388 0 0
EASTMAN CHEM CO COM 277432100 156 2,191 SH   OTR   462 1,729 0
EMERSON ELEC CO COM 291011104 1,271 17,357 SH   SOLE   17,064 0 293
EMERSON ELEC CO COM 291011104 227 3,102 SH   OTR   842 2,260 0
ENTERGY CORP NEW COM 29364G103 399 3,965 SH   SOLE   3,965 0 0
ENTERGY CORP NEW COM 29364G103 60 600 SH   OTR   0 600 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 247 5,984 SH   SOLE   643 0 5,341
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 852 20,620 SH   OTR   14,368 0 6,252
EXXON MOBIL CORP COM 30231G102 2,758 31,587 SH   SOLE   29,573 0 2,014
EXXON MOBIL CORP COM 30231G102 445 5,097 SH   OTR   4,637 460 0
FEDEX CORP COM 31428X106 315 2,125 SH   SOLE   2,125 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33733D502 131 7,862 SH   SOLE   375 0 7,487
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33733D502 69 4,155 SH   OTR   0 0 4,155
FORTINET INC COM 34959E109 3,203 65,188 SH   SOLE   65,188 0 0
FORTINET INC COM 34959E109 494 10,054 SH   OTR   8,575 1,479 0
GOLDMAN SACHS GROUP INC COM 38141G104 241 822 SH   SOLE   822 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 108 369 SH   OTR   0 0 369
HOME DEPOT INC COM 437076102 2,035 7,375 SH   SOLE   7,205 20 150
HOME DEPOT INC COM 437076102 217 788 SH   OTR   567 221 0
HONEYWELL INTL INC COM 438516106 1,754 10,505 SH   SOLE   10,430 75 0
HONEYWELL INTL INC COM 438516106 355 2,125 SH   OTR   1,507 258 360
HOST HOTELS & RESORTS INC COM 44107P104 178 11,200 SH   OTR   0 0 11,200
HUNT J B TRANS SVCS INC COM 445658107 182 1,166 SH   SOLE   1,166 0 0
HUNT J B TRANS SVCS INC COM 445658107 94 600 SH   OTR   600 0 0
ILLINOIS TOOL WKS INC COM 452308109 811 4,488 SH   SOLE   4,488 0 0
ILLINOIS TOOL WKS INC COM 452308109 104 577 SH   OTR   225 352 0
INTEL CORP COM 458140100 1,371 53,199 SH   SOLE   52,699 500 0
INTEL CORP COM 458140100 422 16,392 SH   OTR   12,140 1,242 3,010
INTERNATIONAL BUSINESS MACHS COM 459200101 243 2,044 SH   SOLE   2,044 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 13 110 SH   OTR   110 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 774 8,524 SH   SOLE   8,524 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 103 1,135 SH   OTR   153 982 0
INVESCO SR INCOME TR COM 46131H107 142 38,186 SH   SOLE   38,186 0 0
INVESCO SR INCOME TR COM 46131H107 194 52,257 SH   OTR   0 0 52,257
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 224 891 SH   OTR   0 0 891
IQVIA HLDGS INC COM 46266C105 926 5,113 SH   SOLE   5,113 0 0
IQVIA HLDGS INC COM 46266C105 171 943 SH   OTR   662 281 0
ISHARES GOLD TR ISHARES NEW 464285204 322 10,198 SH   SOLE   1,365 0 8,833
ISHARES GOLD TR ISHARES NEW 464285204 1,038 32,914 SH   OTR   0 0 32,914
ISHARES TR CORE S&P500 ETF 464287200 358 998 SH   SOLE   998 0 0
ISHARES TR CORE S&P500 ETF 464287200 502 1,400 SH   OTR   0 1,400 0
ISHARES TR CORE US AGGBD ET 464287226 103 1,071 SH   SOLE   1,071 0 0
ISHARES TR CORE US AGGBD ET 464287226 259 2,692 SH   OTR   0 0 2,692
ISHARES TR MSCI EAFE ETF 464287465 1,390 24,809 SH   SOLE   23,867 0 942
ISHARES TR MSCI EAFE ETF 464287465 287 5,129 SH   OTR   4,979 150 0
ISHARES TR CORE S&P MCP ETF 464287507 254 1,160 SH   SOLE   1,130 0 30
ISHARES TR CORE S&P MCP ETF 464287507 16 74 SH   OTR   0 0 74
ISHARES TR RUS 1000 GRW ETF 464287614 150 715 SH   SOLE   715 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 106 505 SH   OTR   505 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 363 1,755 SH   SOLE   1,755 0 0
ISHARES TR CORE S&P SCP ETF 464287804 960 11,008 SH   SOLE   11,008 0 0
ISHARES TR CORE S&P SCP ETF 464287804 123 1,408 SH   OTR   1,133 275 0
ISHARES TR NATIONAL MUN ETF 464288414 181 1,762 SH   SOLE   60 0 1,702
ISHARES TR NATIONAL MUN ETF 464288414 21 201 SH   OTR   48 0 153
JPMORGAN CHASE & CO COM 46625H100 2,794 26,736 SH   SOLE   26,447 239 50
JPMORGAN CHASE & CO COM 46625H100 526 5,037 SH   OTR   3,650 1,387 0
JOHNSON & JOHNSON COM 478160104 1,558 9,535 SH   SOLE   9,275 260 0
JOHNSON & JOHNSON COM 478160104 292 1,786 SH   OTR   1,694 92 0
KIMBERLY-CLARK CORP COM 494368103 240 2,133 SH   SOLE   2,133 0 0
KIMBERLY-CLARK CORP COM 494368103 113 1,000 SH   OTR   1,000 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 208 1,000 SH   SOLE   1,000 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 578 2,822 SH   SOLE   2,822 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 71 347 SH   OTR   233 114 0
LILLY ELI & CO COM 532457108 3,364 10,405 SH   SOLE   10,405 0 0
LILLY ELI & CO COM 532457108 995 3,078 SH   OTR   2,883 195 0
LOCKHEED MARTIN CORP COM 539830109 1,893 4,901 SH   SOLE   4,901 0 0
LOCKHEED MARTIN CORP COM 539830109 386 1,000 SH   OTR   538 462 0
LOWES COS INC COM 548661107 510 2,713 SH   SOLE   2,713 0 0
LOWES COS INC COM 548661107 404 2,150 SH   OTR   800 0 1,350
MASTERCARD INCORPORATED CL A 57636Q104 2,767 9,733 SH   SOLE   9,733 0 0
MASTERCARD INCORPORATED CL A 57636Q104 318 1,120 SH   OTR   890 230 0
MCDONALDS CORP COM 580135101 744 3,224 SH   SOLE   2,937 190 97
MCDONALDS CORP COM 580135101 58 250 SH   OTR   250 0 0
MERCK & CO INC COM 58933Y105 4,084 47,417 SH   SOLE   46,345 630 442
MERCK & CO INC COM 58933Y105 1,045 12,132 SH   OTR   11,119 1,013 0
MICROSOFT CORP COM 594918104 5,819 24,984 SH   SOLE   24,784 200 0
MICROSOFT CORP COM 594918104 2,483 10,661 SH   OTR   9,137 849 675
MICROCHIP TECHNOLOGY INC. COM 595017104 188 3,084 SH   SOLE   3,084 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 113 1,850 SH   OTR   1,850 0 0
NEXTERA ENERGY INC COM 65339F101 1,804 23,006 SH   SOLE   22,294 712 0
NEXTERA ENERGY INC COM 65339F101 221 2,820 SH   OTR   1,162 1,658 0
NIKE INC CL B 654106103 300 3,610 SH   SOLE   3,610 0 0
NIKE INC CL B 654106103 136 1,640 SH   OTR   1,640 0 0
NUCOR CORP COM 670346105 774 7,230 SH   SOLE   7,230 0 0
NUCOR CORP COM 670346105 265 2,475 SH   OTR   2,475 0 0
NVIDIA CORPORATION COM 67066G104 390 3,216 SH   SOLE   3,216 0 0
NVIDIA CORPORATION COM 67066G104 80 663 SH   OTR   339 324 0
ORACLE CORP COM 68389X105 230 3,762 SH   SOLE   3,762 0 0
PPL CORP COM 69351T106 158 6,215 SH   SOLE   6,215 0 0
PPL CORP COM 69351T106 57 2,265 SH   OTR   465 1,800 0
PEPSICO INC COM 713448108 2,803 17,171 SH   SOLE   16,630 345 196
PEPSICO INC COM 713448108 1,924 11,782 SH   OTR   10,396 1,386 0
PFIZER INC COM 717081103 2,166 49,494 SH   SOLE   48,603 493 398
PFIZER INC COM 717081103 806 18,411 SH   OTR   17,617 794 0
PHILLIPS 66 COM 718546104 529 6,555 SH   SOLE   6,555 0 0
PHILLIPS 66 COM 718546104 159 1,966 SH   OTR   1,640 326 0
PROCTER AND GAMBLE CO COM 742718109 1,871 14,820 SH   SOLE   14,261 255 304
PROCTER AND GAMBLE CO COM 742718109 1,508 11,942 SH   OTR   11,317 625 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,150 20,451 SH   SOLE   20,451 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 264 4,697 SH   OTR   2,350 2,347 0
PUBLIC STORAGE COM 74460D109 119 405 SH   SOLE   405 0 0
PUBLIC STORAGE COM 74460D109 265 905 SH   OTR   0 0 905
RAYTHEON TECHNOLOGIES CORP COM 75513E101 308 3,762 SH   SOLE   3,762 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 8 101 SH   OTR   0 101 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,719 4,813 SH   SOLE   4,813 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 647 1,812 SH   OTR   212 1,600 0
SPDR SER TR S&P DIVID ETF 78464A763 562 5,043 SH   SOLE   5,043 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,115 10,000 SH   OTR   0 10,000 0
SPDR SER TR PORTFOLI S&P1500 78464A805 547 12,400 SH   OTR   0 0 12,400
SPDR SER TR S&P BIOTECH 78464A870 62 783 SH   SOLE   60 0 723
SPDR SER TR S&P BIOTECH 78464A870 260 3,274 SH   OTR   0 0 3,274
SALESFORCE INC COM 79466L302 1,446 10,054 SH   SOLE   10,054 0 0
SALESFORCE INC COM 79466L302 232 1,611 SH   OTR   1,185 426 0
SOUTHERN CO COM 842587107 410 6,036 SH   SOLE   5,936 0 100
SOUTHERN CO COM 842587107 749 11,015 SH   OTR   10,315 700 0
STARBUCKS CORP COM 855244109 862 10,236 SH   SOLE   10,236 0 0
STARBUCKS CORP COM 855244109 93 1,100 SH   OTR   1,100 0 0
STARWOOD PPTY TR INC COM 85571B105 111 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105 412 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109 2,562 41,245 SH   SOLE   40,845 400 0
TJX COS INC NEW COM 872540109 316 5,084 SH   OTR   4,090 994 0
TARGET CORP COM 87612EAP1 1,337 9,013 SH   SOLE   9,013 0 0
TARGET CORP COM 87612EAP1 132 889 SH   OTR   264 625 0
THERMO FISHER SCIENTIFIC INC COM 883556102 3,163 6,236 SH   SOLE   6,236 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 98 194 SH   OTR   60 134 0
3M CO COM 88579Y101 1,752 15,857 SH   SOLE   15,857 0 0
3M CO COM 88579Y101 87 785 SH   OTR   785 0 0
TRUIST FINL CORP COM 89832Q109 938 21,553 SH   SOLE   21,553 0 0
TRUIST FINL CORP COM 89832Q109 644 14,783 SH   OTR   9,603 0 5,180
UNION PAC CORP COM 907818108 2,148 11,025 SH   SOLE   11,025 0 0
UNION PAC CORP COM 907818108 302 1,552 SH   OTR   1,104 448 0
UNITED PARCEL SERVICE INC CL B 911312106 327 2,023 SH   SOLE   2,023 0 0
UNITED PARCEL SERVICE INC CL B 911312106 54 336 SH   OTR   300 36 0
UNITEDHEALTH GROUP INC COM 91324P102 611 1,210 SH   SOLE   1,210 0 0
UNITEDHEALTH GROUP INC COM 91324P102 39 77 SH   OTR   77 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 203 1,502 SH   SOLE   1,502 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 108 2,978 SH   SOLE   0 0 2,978
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 162 4,457 SH   OTR   0 0 4,457
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,485 18,520 SH   SOLE   18,520 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 142 1,767 SH   OTR   638 1,129 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 164 1,005 SH   SOLE   610 0 395
VANGUARD INDEX FDS LARGE CAP ETF 922908637 408 2,497 SH   OTR   183 0 2,314
VERIZON COMMUNICATIONS INC COM 92343V104 2,718 71,572 SH   SOLE   70,486 400 686
VERIZON COMMUNICATIONS INC COM 92343V104 800 21,068 SH   OTR   19,495 1,573 0
VISA INC COM CL A 92826C839 206 1,162 SH   SOLE   1,162 0 0
VISA INC COM CL A 92826C839 74 417 SH   OTR   0 0 417
WEC ENERGY GROUP INC COM 92939U106 448 5,012 SH   SOLE   5,012 0 0
WALMART INC COM 931142103 2,279 17,573 SH   SOLE   17,508 0 65
WALMART INC COM 931142103 226 1,742 SH   OTR   1,019 723 0
WASTE MGMT INC DEL COM 94106L109 438 2,735 SH   SOLE   2,735 0 0
WASTE MGMT INC DEL COM 94106L109 282 1,760 SH   OTR   1,760 0 0