A financial institution has $10 million of Treasury bills, borrows a $5 million credit line from the repo market, maintains $5 million of excess cash reserves at the Federal Reserve Bank, borrows $6 million from the Federal Money Market and $2 million from the Federal Reserve's discount window, respectively, to meet seasonal liquidity needs.

(1). What are the available sources of liquidity for the bank?

(2). What is the total liquidity utilization of the bank?

(3). What is the bank's net liquidity? What can you conclude from the results?