First Citizen Bank holds cash in its vault of $5 million, short-term government securities of $15million, privately issued money market instruments of $8 million, deposits at the Federal Reserve banks of $40 million, cash items in the process of collection of $3 million, deposits placed/due with depository institutions of $22 million.

How much in primary and secondary reserves combined should this bank hold?

Exclude $ , and space from your answer
Example $65,000,000 to be entered as 65