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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
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 03-31-2024
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
CRD Number (if applicable):
SEC File Number (if applicable):

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 05-10-2024
[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: 278
Form 13F Information Table Value Total: 223,436,628
(round to nearest dollar)
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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,632,879 4,711 SH   SOLE   4,711 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   191,328 552 SH   OTR   473 79 0
INVESCO LTD SHS G491BT108   246,046 14,831 SH   SOLE   14,831 0 0
INVESCO LTD SHS G491BT108   36,630 2,208 SH   OTR   1,363 845 0
MEDTRONIC PLC SHS G5960L103   901,653 10,346 SH   SOLE   10,346 0 0
MEDTRONIC PLC SHS G5960L103   869,234 9,974 SH   OTR   9,539 230 205
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   262,121 2,817 SH   SOLE   2,817 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   968,445 3,226 SH   SOLE   3,226 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   17,411 58 SH   OTR   58 0 0
NXP SEMICONDUCTORS N V COM N6596X109   1,846,877 7,454 SH   SOLE   7,454 0 0
NXP SEMICONDUCTORS N V COM N6596X109   275,768 1,113 SH   OTR   914 149 50
AFLAC INC COM 001055102   2,060,640 24,000 SH   OTR   24,000 0 0
AT&T INC COM 00206R102   348,286 19,789 SH   SOLE   19,267 522 0
AT&T INC COM 00206R102   42,046 2,389 SH   OTR   2,389 0 0
ABBOTT LABS COM 002824100   805,622 7,088 SH   SOLE   6,738 350 0
ABBOTT LABS COM 002824100   1,154,785 10,160 SH   OTR   10,160 0 0
ABBVIE INC COM 00287Y109   2,792,321 15,334 SH   SOLE   15,234 100 0
ABBVIE INC COM 00287Y109   2,359,105 12,955 SH   OTR   12,955 0 0
ADOBE INC COM 00724F101   220,005 436 SH   SOLE   436 0 0
ADOBE INC COM 00724F101   60,552 120 SH   OTR   0 0 120
ALLSTATE CORP COM 020002101   198,096 1,145 SH   SOLE   1,145 0 0
ALLSTATE CORP COM 020002101   878,371 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   417,801 2,744 SH   SOLE   2,744 0 0
ALPHABET INC CAP STK CL A 02079K305   2,440,538 16,170 SH   SOLE   16,170 0 0
ALPHABET INC CAP STK CL A 02079K305   482,976 3,200 SH   OTR   3,200 0 0
ALTRIA GROUP INC COM 02209S103   261,720 6,000 SH   SOLE   5,280 720 0
ALTRIA GROUP INC COM 02209S103   87,240 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   757,235 4,198 SH   SOLE   4,198 0 0
AMAZON COM INC COM 023135106   54,114 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   301,091 3,497 SH   SOLE   3,497 0 0
AMERICAN ELEC PWR CO INC COM 025537101   199,752 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   1,021,872 4,488 SH   SOLE   4,488 0 0
AMERICAN EXPRESS CO COM 025816109   32,787 144 SH   OTR   144 0 0
AMERIPRISE FINL INC COM 03076C106   1,462,635 3,336 SH   SOLE   3,336 0 0
AMERIPRISE FINL INC COM 03076C106   130,216 297 SH   OTR   186 111 0
AMGEN INC COM 031162100   2,971,428 10,451 SH   SOLE   10,401 50 0
AMGEN INC COM 031162100   379,567 1,335 SH   OTR   1,224 111 0
AMPLIFY ETF TR AMPLIFY MOBILE P 032108656   79,644 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY MOBILE P 032108656   217,403 4,130 SH   OTR   0 0 4,130
APPLE INC COM 037833100   9,321,481 54,359 SH   SOLE   53,946 413 0
APPLE INC COM 037833100   1,511,767 8,816 SH   OTR   6,891 544 1,381
APPLIED MATLS INC COM 038222105   4,703,900 22,809 SH   SOLE   22,809 0 0
APPLIED MATLS INC COM 038222105   644,468 3,125 SH   OTR   3,125 0 0
ARES CAPITAL CORP COM 04010L103   256,190 12,305 SH   SOLE   12,305 0 0
ARES CAPITAL CORP COM 04010L103   603,780 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM 040413106   2,148,171 7,408 SH   SOLE   7,408 0 0
ARISTA NETWORKS INC COM 040413106   165,288 570 SH   OTR   362 208 0
ASHLAND INC COM 044186104   210,027 2,157 SH   SOLE   2,157 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   95,650 383 SH   SOLE   383 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,745,682 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,209,851 6,520 SH   SOLE   6,520 0 0
AVALONBAY CMNTYS INC COM 053484101   159,581 860 SH   OTR   755 105 0
BANK AMERICA CORP COM 060505104   2,026,899 53,452 SH   SOLE   52,619 50 783
BANK AMERICA CORP COM 060505104   590,717 15,578 SH   OTR   10,071 608 4,899
BANK OZK LITTLE ROCK ARK COM 06417N103   5,428,742 119,418 SH   SOLE   119,418 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   98,401 234 SH   SOLE   234 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   165,684 394 SH   OTR   103 0 291
BLACKROCK INC COM 09247X101   1,115,490 1,338 SH   SOLE   1,338 0 0
BLACKROCK INC COM 09247X101   106,713 128 SH   OTR   43 60 25
BLACKSTONE INC COM 09260D107   1,397,119 10,635 SH   SOLE   10,635 0 0
BLACKSTONE INC COM 09260D107   109,562 834 SH   OTR   506 328 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   901,624 6,074 SH   SOLE   6,074 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   270,160 1,820 SH   OTR   750 1,070 0
BRISTOL-MYERS SQUIBB CO COM 110122108   566,595 10,448 SH   SOLE   9,948 500 0
BRISTOL-MYERS SQUIBB CO COM 110122108   146,963 2,710 SH   OTR   1,410 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   819,440 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   845,611 638 SH   SOLE   638 0 0
BROADCOM INC COM 11135F101   164,350 124 SH   OTR   0 105 19
CVS HEALTH CORP COM 126650100   287,614 3,606 SH   SOLE   3,606 0 0
CVS HEALTH CORP COM 126650100   23,130 290 SH   OTR   290 0 0
CAPITAL ONE FINL CORP COM 14040H105   835,868 5,614 SH   SOLE   5,614 0 0
CAPITAL ONE FINL CORP COM 14040H105   48,389 325 SH   OTR   325 0 0
CHEVRON CORP NEW COM 166764100   1,706,115 10,816 SH   SOLE   10,691 125 0
CHEVRON CORP NEW COM 166764100   303,334 1,923 SH   OTR   1,923 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,729,457 939 SH   SOLE   939 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   276,143 95 SH   OTR   74 21 0
CISCO SYS INC COM 17275R102   1,489,414 29,842 SH   SOLE   29,642 200 0
CISCO SYS INC COM 17275R102   195,198 3,911 SH   OTR   3,761 150 0
CITIGROUP INC COM NEW 172967424   172,771 2,732 SH   SOLE   2,732 0 0
CITIGROUP INC COM NEW 172967424   33,074 523 SH   OTR   148 375 0
COCA COLA CO COM 191216100   1,284,107 20,989 SH   SOLE   20,589 400 0
COCA COLA CO COM 191216100   503,939 8,237 SH   OTR   7,874 363 0
COMCAST CORP NEW CL A 20030N101   266,472 6,147 SH   SOLE   6,147 0 0
COMCAST CORP NEW CL A 20030N101   166,420 3,839 SH   OTR   400 1,000 2,439
CONOCOPHILLIPS COM 20825C104   560,541 4,404 SH   SOLE   4,229 175 0
CONOCOPHILLIPS COM 20825C104   222,740 1,750 SH   OTR   1,750 0 0
CONSOLIDATED EDISON INC COM 209115104   154,831 1,705 SH   SOLE   1,705 0 0
CONSOLIDATED EDISON INC COM 209115104   54,486 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   2,109,241 2,879 SH   SOLE   2,879 0 0
COSTCO WHSL CORP NEW COM 22160K105   240,302 328 SH   OTR   277 51 0
CROWN CASTLE INC COM 22822V101   75,245 711 SH   SOLE   711 0 0
CROWN CASTLE INC COM 22822V101   261,929 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   373,773 910 SH   SOLE   910 0 0
DIGITAL RLTY TR INC COM 253868103   246,596 1,712 SH   SOLE   1,712 0 0
DISNEY WALT CO COM 254687106   204,708 1,673 SH   SOLE   1,673 0 0
DISNEY WALT CO COM 254687106   36,708 300 SH   OTR   0 300 0
DOLLAR GEN CORP NEW COM 256677105   1,356,005 8,689 SH   SOLE   8,689 0 0
DOLLAR GEN CORP NEW COM 256677105   105,028 673 SH   OTR   572 101 0
DUKE ENERGY CORP NEW COM NEW 26441C204   812,460 8,401 SH   SOLE   8,401 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   533,839 5,520 SH   OTR   3,490 235 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,537,770 20,057 SH   SOLE   20,057 0 0
DUPONT DE NEMOURS INC COM 26614N102   101,664 1,326 SH   OTR   923 403 0
EASTMAN CHEM CO COM 277432100   152,735 1,524 SH   SOLE   1,524 0 0
EASTMAN CHEM CO COM 277432100   135,297 1,350 SH   OTR   0 1,350 0
ELECTRONIC ARTS INC COM 285512109   1,113,631 8,394 SH   SOLE   8,394 0 0
ELECTRONIC ARTS INC COM 285512109   69,519 524 SH   OTR   349 175 0
EMERSON ELEC CO COM 291011104   316,214 2,788 SH   SOLE   2,495 0 293
EMERSON ELEC CO COM 291011104   191,679 1,690 SH   OTR   0 1,690 0
ENTERGY CORP NEW COM 29364G103   360,685 3,413 SH   SOLE   3,413 0 0
ENTERGY CORP NEW COM 29364G103   63,408 600 SH   OTR   0 600 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   241,655 4,121 SH   SOLE   643 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,206,048 20,567 SH   OTR   14,315 0 6,252
EXXON MOBIL CORP COM 30231G102   1,682,574 14,475 SH   SOLE   14,260 0 215
EXXON MOBIL CORP COM 30231G102   500,180 4,303 SH   OTR   4,303 0 0
META PLATFORMS INC CL A 30303M102   144,702 298 SH   SOLE   298 0 0
META PLATFORMS INC CL A 30303M102   179,179 369 SH   OTR   0 0 369
FEDEX CORP COM 31428X106   530,224 1,830 SH   SOLE   1,830 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   820,134 11,056 SH   SOLE   11,056 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   31,081 419 SH   OTR   419 0 0
FORTINET INC COM 34959E109   3,017,116 44,168 SH   SOLE   44,168 0 0
FORTINET INC COM 34959E109   534,867 7,830 SH   OTR   7,765 65 0
GENUINE PARTS CO COM 372460105   337,282 2,177 SH   SOLE   2,177 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   123,218 295 SH   SOLE   295 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   174,176 417 SH   OTR   0 0 417
HOME DEPOT INC COM 437076102   1,752,668 4,569 SH   SOLE   4,424 20 125
HOME DEPOT INC COM 437076102   169,551 442 SH   OTR   442 0 0
HONEYWELL INTL INC COM 438516106   949,486 4,626 SH   SOLE   4,551 75 0
HONEYWELL INTL INC COM 438516106   420,967 2,051 SH   OTR   1,469 117 465
HOST HOTELS & RESORTS INC COM 44107P104   231,616 11,200 SH   OTR   0 0 11,200
HUNT J B TRANS SVCS INC COM 445658107   214,990 1,079 SH   SOLE   1,079 0 0
HUNT J B TRANS SVCS INC COM 445658107   119,550 600 SH   OTR   600 0 0
ILLINOIS TOOL WKS INC COM 452308109   639,698 2,384 SH   SOLE   2,384 0 0
ILLINOIS TOOL WKS INC COM 452308109   41,591 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   277,475 6,282 SH   SOLE   6,282 0 0
INTEL CORP COM 458140100   364,402 8,250 SH   OTR   8,250 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   236,981 1,241 SH   SOLE   1,241 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   19,859 104 SH   OTR   104 0 0
INVESCO SR INCOME TR COM 46131H107   164,809 38,507 SH   SOLE   38,507 0 0
INVESCO SR INCOME TR COM 46131H107   198,527 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   247,962 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   241,725 5,754 SH   SOLE   1,219 0 4,535
ISHARES GOLD TR ISHARES NEW 464285204   1,307,393 31,121 SH   OTR   0 0 31,121
ISHARES TR CORE S&P500 ETF 464287200   568,314 1,081 SH   SOLE   1,081 0 0
ISHARES TR CORE S&P500 ETF 464287200   822,767 1,565 SH   OTR   0 1,400 165
ISHARES TR CORE US AGGBD ET 464287226   45,346 463 SH   SOLE   463 0 0
ISHARES TR CORE US AGGBD ET 464287226   389,703 3,979 SH   OTR   0 85 3,894
ISHARES TR S&P 500 GRWT ETF 464287309   323,911 3,836 SH   SOLE   3,836 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   89,168 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   434,146 2,324 SH   SOLE   2,324 0 0
ISHARES TR S&P 500 VAL ETF 464287408   90,042 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,539,700 19,280 SH   SOLE   19,129 0 151
ISHARES TR MSCI EAFE ETF 464287465   531,947 6,661 SH   OTR   4,571 150 1,940
ISHARES TR CORE S&P MCP ETF 464287507   258,387 4,254 SH   SOLE   4,254 0 0
ISHARES TR CORE S&P MCP ETF 464287507   63,473 1,045 SH   OTR   0 0 1,045
ISHARES TR RUS 2000 GRW ETF 464287648   259,968 960 SH   SOLE   960 0 0
ISHARES TR CORE S&P US VLU 464287663   260,919 2,885 SH   SOLE   0 0 2,885
ISHARES TR CORE S&P SCP ETF 464287804   951,577 8,610 SH   SOLE   8,610 0 0
ISHARES TR CORE S&P SCP ETF 464287804   124,887 1,130 SH   OTR   760 275 95
ISHARES TR NATIONAL MUN ETF 464288414   283,956 2,639 SH   SOLE   176 0 2,463
ISHARES TR NATIONAL MUN ETF 464288414   52,293 486 SH   OTR   172 0 314
JPMORGAN CHASE & CO COM 46625H100   3,544,909 17,698 SH   SOLE   17,459 239 0
JPMORGAN CHASE & CO COM 46625H100   794,590 3,967 SH   OTR   3,199 678 90
JACOBS SOLUTIONS INC COM 46982L108   1,879,656 12,227 SH   SOLE   12,227 0 0
JACOBS SOLUTIONS INC COM 46982L108   252,732 1,644 SH   OTR   1,441 203 0
JOHNSON & JOHNSON COM 478160104   1,130,583 7,147 SH   SOLE   6,887 260 0
JOHNSON & JOHNSON COM 478160104   248,991 1,574 SH   OTR   1,574 0 0
KLA CORP COM NEW 482480100   305,275 437 SH   SOLE   437 0 0
KLA CORP COM NEW 482480100   13,971 20 SH   OTR   0 0 20
ELI LILLY & CO COM 532457108   7,293,375 9,375 SH   SOLE   9,375 0 0
ELI LILLY & CO COM 532457108   1,687,395 2,169 SH   OTR   2,065 104 0
LOCKHEED MARTIN CORP COM 539830109   1,705,307 3,749 SH   SOLE   3,749 0 0
LOCKHEED MARTIN CORP COM 539830109   372,993 820 SH   OTR   470 350 0
LOWES COS INC COM 548661107   868,374 3,409 SH   SOLE   3,409 0 0
LOWES COS INC COM 548661107   550,216 2,160 SH   OTR   800 0 1,360
LULULEMON ATHLETICA INC COM 550021109   1,255,158 3,213 SH   SOLE   3,213 0 0
LULULEMON ATHLETICA INC COM 550021109   217,201 556 SH   OTR   382 57 117
MARRIOTT INTL INC NEW CL A 571903202   1,382,658 5,480 SH   SOLE   5,480 0 0
MARRIOTT INTL INC NEW CL A 571903202   93,354 370 SH   OTR   247 123 0
MASTERCARD INCORPORATED CL A 57636Q104   4,006,662 8,320 SH   SOLE   8,320 0 0
MASTERCARD INCORPORATED CL A 57636Q104   459,899 955 SH   OTR   877 78 0
MCDONALDS CORP COM 580135101   1,071,691 3,801 SH   SOLE   3,514 190 97
MCDONALDS CORP COM 580135101   56,390 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   2,020,166 3,763 SH   SOLE   3,763 0 0
MCKESSON CORP COM 58155Q103   220,645 411 SH   OTR   323 88 0
MERCK & CO INC COM 58933Y105   3,708,718 28,107 SH   SOLE   27,127 630 350
MERCK & CO INC COM 58933Y105   1,410,017 10,686 SH   OTR   10,456 0 230
MICROSOFT CORP COM 594918104   8,190,576 19,468 SH   SOLE   19,268 200 0
MICROSOFT CORP COM 594918104   3,805,833 9,046 SH   OTR   8,198 418 430
MICROCHIP TECHNOLOGY INC. COM 595017104   177,625 1,980 SH   SOLE   1,980 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   158,696 1,769 SH   OTR   1,769 0 0
NETFLIX INC COM 64110L106   1,325,194 2,182 SH   SOLE   2,182 0 0
NETFLIX INC COM 64110L106   111,141 183 SH   OTR   110 73 0
NEXTERA ENERGY INC COM 65339F101   652,009 10,202 SH   SOLE   9,490 712 0
NEXTERA ENERGY INC COM 65339F101   77,970 1,220 SH   OTR   420 800 0
NIKE INC CL B 654106103   1,179,261 12,548 SH   SOLE   12,548 0 0
NIKE INC CL B 654106103   232,506 2,474 SH   OTR   2,263 211 0
GEN DIGITAL INC COM 668771108   359,296 16,040 SH   SOLE   16,040 0 0
GEN DIGITAL INC COM 668771108   79,228 3,537 SH   OTR   2,951 586 0
NOVO-NORDISK A S ADR 670100205   1,810,953 14,104 SH   SOLE   14,104 0 0
NOVO-NORDISK A S ADR 670100205   89,623 698 SH   OTR   556 142 0
NUCOR CORP COM 670346105   1,204,221 6,085 SH   SOLE   6,085 0 0
NUCOR CORP COM 670346105   453,388 2,291 SH   OTR   2,291 0 0
NVIDIA CORPORATION COM 67066G104   5,724,956 6,336 SH   SOLE   6,336 0 0
NVIDIA CORPORATION COM 67066G104   863,803 956 SH   OTR   499 457 0
WS CREDIT INCOME FUND INSTL CL 68249P102   111,452 5,826 SH   SOLE   0 0 5,826
WS CREDIT INCOME FUND INSTL CL 68249P102   149,992 7,840 SH   OTR   0 0 7,840
ORACLE CORP COM 68389X105   234,639 1,868 SH   SOLE   1,868 0 0
PAYCHEX INC COM 704326107   264,265 2,152 SH   SOLE   2,152 0 0
PEPSICO INC COM 713448108   1,975,687 11,289 SH   SOLE   10,794 345 150
PEPSICO INC COM 713448108   1,815,203 10,372 SH   OTR   9,297 1,030 45
PFIZER INC COM 717081103   416,499 15,009 SH   SOLE   14,168 493 348
PFIZER INC COM 717081103   393,828 14,192 SH   OTR   14,192 0 0
PHILLIPS 66 COM 718546104   672,307 4,116 SH   SOLE   4,116 0 0
PHILLIPS 66 COM 718546104   224,102 1,372 SH   OTR   1,372 0 0
PIONEER NAT RES CO COM 723787107   274,050 1,044 SH   SOLE   1,044 0 0
PIONEER NAT RES CO COM 723787107   53,025 202 SH   OTR   57 145 0
PROCTER AND GAMBLE CO COM 742718109   1,412,548 8,706 SH   SOLE   8,197 255 254
PROCTER AND GAMBLE CO COM 742718109   1,769,336 10,905 SH   OTR   10,580 300 25
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   893,850 13,385 SH   SOLE   13,385 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   226,384 3,390 SH   OTR   1,940 1,450 0
PUBLIC STORAGE OPER CO COM 74460D109   117,474 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   262,504 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   287,979 1,701 SH   SOLE   1,701 0 0
QUANTA SVCS INC COM 74762E102   2,217,393 8,535 SH   SOLE   8,535 0 0
QUANTA SVCS INC COM 74762E102   200,046 770 SH   OTR   627 143 0
SHELL PLC SPON ADS 780259305   756,881 11,290 SH   SOLE   11,290 0 0
SHELL PLC SPON ADS 780259305   36,067 538 SH   OTR   538 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,975,112 3,776 SH   SOLE   3,776 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   836,912 1,600 SH   OTR   0 1,600 0
SPDR SER TR S&P DIVID ETF 78464A763   282,166 2,150 SH   SOLE   2,150 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,312,400 10,000 SH   OTR   0 10,000 0
SPDR SER TR S&P BIOTECH 78464A870   62,152 655 SH   SOLE   0 0 655
SPDR SER TR S&P BIOTECH 78464A870   324,903 3,424 SH   OTR   0 0 3,424
1SALESFORCE INC COM 79466L302   1,054,130 3,500 SH   SOLE   3,500 0 0
SALESFORCE INC COM 79466L302   284,615 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107   1,148,916 16,015 SH   SOLE   16,015 0 0
SOUTHERN CO COM 842587107   777,302 10,835 SH   OTR   10,135 700 0
STARBUCKS CORP COM 855244109   395,901 4,332 SH   SOLE   4,332 0 0
STARWOOD PPTY TR INC COM 85571B105   124,013 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   459,458 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,368,866 23,357 SH   SOLE   22,957 400 0
TJX COS INC NEW COM 872540109   359,026 3,540 SH   OTR   3,440 0 100
T-MOBILE US INC COM 872590104   2,056,245 12,598 SH   SOLE   12,598 0 0
T-MOBILE US INC COM 872590104   203,698 1,248 SH   OTR   1,032 216 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,023,743 14,875 SH   SOLE   14,875 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   213,462 1,569 SH   OTR   1,137 432 0
TARGET CORP COM 87612E106   199,892 1,128 SH   SOLE   1,128 0 0
TARGET CORP COM 87612E106   60,428 341 SH   OTR   0 341 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,822,093 3,135 SH   SOLE   3,135 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   8,718 15 SH   OTR   0 0 15
TOLL BROTHERS INC COM 889478103   1,490,083 11,518 SH   SOLE   11,518 0 0
TOLL BROTHERS INC COM 889478103   203,757 1,575 SH   OTR   1,361 214 0
TRUIST FINL CORP COM 89832Q109   723,234 18,554 SH   SOLE   18,554 0 0
TRUIST FINL CORP COM 89832Q109   476,725 12,230 SH   OTR   7,050 0 5,180
UNION PAC CORP COM 907818108   2,391,423 9,724 SH   SOLE   9,724 0 0
UNION PAC CORP COM 907818108   246,667 1,003 SH   OTR   698 305 0
UNITED PARCEL SERVICE INC CL B 911312106   545,620 3,671 SH   SOLE   3,671 0 0
UNITED PARCEL SERVICE INC CL B 911312106   44,589 300 SH   OTR   300 0 0
UNITEDHEALTH GROUP INC COM 91324P102   346,784 701 SH   SOLE   701 0 0
UNITEDHEALTH GROUP INC COM 91324P102   19,788 40 SH   OTR   40 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   115,993 2,312 SH   SOLE   287 0 2,025
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   201,633 4,019 SH   OTR   0 0 4,019
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   243,189 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   397,894 4,601 SH   SOLE   3,169 0 1,432
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   828,651 9,582 SH   OTR   0 723 8,859
VANGUARD INDEX FDS LARGE CAP ETF 922908637   239,760 1,000 SH   SOLE   615 0 385
VANGUARD INDEX FDS LARGE CAP ETF 922908637   520,758 2,172 SH   OTR   158 0 2,014
VERIZON COMMUNICATIONS INC COM 92343V104   849,606 20,248 SH   SOLE   19,848 400 0
VERIZON COMMUNICATIONS INC COM 92343V104   604,098 14,397 SH   OTR   14,397 0 0
VISA INC COM CL A 92826C839   109,957 394 SH   SOLE   394 0 0
VISA INC COM CL A 92826C839   132,563 475 SH   OTR   0 0 475
WALMART INC COM 931142103   1,103,337 18,337 SH   SOLE   18,337 0 0
WALMART INC COM 931142103   137,488 2,285 SH   OTR   900 1,200 185
WASTE MGMT INC DEL COM 94106L109   486,408 2,282 SH   SOLE   2,282 0 0
WASTE MGMT INC DEL COM 94106L109   311,199 1,460 SH   OTR   1,460 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   503,259 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   984,802 5,820 SH   SOLE   5,820 0 0
ZOETIS INC CL A 98978V103   89,681 530 SH   OTR   383 147 0