Instuitional Investor - Citizens Business Bank

13F Holdings

Filing Period:

No.	Security	Ticker	Shares	Value	% Port
1.	Ishares Trust	IEF	626,204	$53,271,171	11.56%
2.	Vanguard Tax-Managed Fds		847,563	$43,081,630	9.35%
3.	Nvidia Corp	NVDA	168,562	$18,268,757	3.96%
4.	First Tr Exch Traded Fd Iii		937,794	$17,536,758	3.8%
5.	Apple Inc.	AAPL	69,793	$15,503,124	3.36%