Federal Reserve Economic Data

Quarterly

L.6 Assets and Liabilities of the Personal Sector

The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
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    Q4 1945    
 
 
    Q2 2025
Line Name Q2 2025 Q1 2025 Q2 2024 Units
line 1
Total financial assets 		128,534,872 Millions of Dollars 122,648,264 Millions of Dollars 118,717,167 Millions of Dollars Mil. of $
line 2
Foreign deposits 		57,663 Millions of Dollars 57,367 Millions of Dollars 54,331 Millions of Dollars Mil. of $
line 3
Checkable deposits and currency 		5,423,447 Millions of Dollars 5,414,498 Millions of Dollars 5,033,184 Millions of Dollars Mil. of $
line 4
Time and savings deposits 		11,360,843 Millions of Dollars 11,374,236 Millions of Dollars 11,176,558 Millions of Dollars Mil. of $
line 5
Money market fund shares 		5,020,007 Millions of Dollars 4,963,062 Millions of Dollars 4,334,330 Millions of Dollars Mil. of $
line 6
Debt securities 		5,967,531 Millions of Dollars 5,874,315 Millions of Dollars 5,688,830 Millions of Dollars Mil. of $
line 7
Treasury securities 		2,838,574 Millions of Dollars 2,779,893 Millions of Dollars 2,583,866 Millions of Dollars Mil. of $
line 8
Agency- and GSE-backed securities 		909,786 Millions of Dollars 908,925 Millions of Dollars 948,195 Millions of Dollars Mil. of $
line 9
Municipal securities 		1,975,424 Millions of Dollars 1,944,039 Millions of Dollars 1,921,782 Millions of Dollars Mil. of $
line 10
Corporate and foreign bonds 		243,747 Millions of Dollars 241,458 Millions of Dollars 234,987 Millions of Dollars Mil. of $
line 11
Loans 		1,273,147 Millions of Dollars 1,281,688 Millions of Dollars 1,389,507 Millions of Dollars Mil. of $
line 12
Other loans and advances 		1,133,263 Millions of Dollars 1,140,574 Millions of Dollars 1,245,345 Millions of Dollars Mil. of $
line 13
Mortgages 		125,180 Millions of Dollars 126,038 Millions of Dollars 128,383 Millions of Dollars Mil. of $
line 14
Consumer credit 		14,704 Millions of Dollars 15,076 Millions of Dollars 15,779 Millions of Dollars Mil. of $
line 15
Corporate equities 		41,789.781 Billions of Dollars 38,056.012 Billions of Dollars 36,284.023 Billions of Dollars Bil. of $
line 16
Mutual fund shares 		12,758.887 Billions of Dollars 11,920.203 Billions of Dollars 11,893.040 Billions of Dollars Bil. of $
line 17
Trade receivables 		461,232 Millions of Dollars 452,587 Millions of Dollars 426,506 Millions of Dollars Mil. of $
line 18
Life insurance reserves 		2,214.409 Billions of Dollars 2,165.076 Billions of Dollars 2,121.666 Billions of Dollars Bil. of $
line 19
Pension entitlements 		33,616,197 Millions of Dollars 32,538,797 Millions of Dollars 31,992,765 Millions of Dollars Mil. of $
line 20
Life insurance companies 		4,667,717 Millions of Dollars 4,501,783 Millions of Dollars 4,391,987 Millions of Dollars Mil. of $
line 21
Private pension funds 		14,258,656 Millions of Dollars 13,504,630 Millions of Dollars 13,317,834 Millions of Dollars Mil. of $
line 22
Governments 		14,689,824 Millions of Dollars 14,532,384 Millions of Dollars 14,282,944 Millions of Dollars Mil. of $
line 23
Miscellaneous and other assets 		8,873,815 Millions of Dollars 8,827,320 Millions of Dollars 8,586,592 Millions of Dollars Mil. of $
line 24
Total liabilities 		33,899,905 Millions of Dollars 33,625,141 Millions of Dollars 33,157,291 Millions of Dollars Mil. of $
line 25
Home mortgages 		14,503,784 Millions of Dollars 14,388,673 Millions of Dollars 14,108,701 Millions of Dollars Mil. of $
line 26
Other mortgages 		5,179,657 Millions of Dollars 5,138,550 Millions of Dollars 5,024,737 Millions of Dollars Mil. of $
line 27
Consumer credit 		4,997.731 Billions of Dollars 4,965.385 Billions of Dollars 4,980.877 Billions of Dollars Bil. of $
line 28
Other loans and advances 		867.500 Billions of Dollars 828.519 Billions of Dollars 781.604 Billions of Dollars Bil. of $
line 29
Other liabilities 		7,855,671 Millions of Dollars 7,808,315 Millions of Dollars 7,784,126 Millions of Dollars Mil. of $
   

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