Federal Reserve Economic Data

Quarterly

F.101 Households and Nonprofit Organizations

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 1946    
 
 
    Q2 2025
Line Name Q2 2025 Q1 2025 Q2 2024 Units
line 1
Personal income 		25,776,640 Millions of Dollars 25,450,066 Millions of Dollars 24,574,012 Millions of Dollars Mil. of $
line 2
- Personal current taxes 		3,244,340 Millions of Dollars 3,192,334 Millions of Dollars 3,005,390 Millions of Dollars Mil. of $
line 3
= Disposable Personal income 		22,532.300 Billions of Dollars 22,257.732 Billions of Dollars 21,568.622 Billions of Dollars Bil. of $
line 4
- Personal outlays 		21,486,478 Millions of Dollars 21,294,351 Millions of Dollars 20,507,501 Millions of Dollars Mil. of $
line 5
= Personal saving: NIPA 		1,045,822 Millions of Dollars 963,381 Millions of Dollars 1,061,121 Millions of Dollars Mil. of $
line 6
+ Government insurance and pension reserves 		-1,786 Millions of Dollars -1,976 Millions of Dollars -1,414 Millions of Dollars Mil. of $
line 7
- Contr. for govt. soc. insur.: U.S.-affiliated areas 		6,471 Millions of Dollars 6,406 Millions of Dollars 6,226 Millions of Dollars Mil. of $
line 8
+ Net investment in consumer durables 		360,314 Millions of Dollars 357,253 Millions of Dollars 334,448 Millions of Dollars Mil. of $
line 9
+ Consumption of fixed capital 		2,604,610 Millions of Dollars 2,573,261 Millions of Dollars 2,503,579 Millions of Dollars Mil. of $
line 10
- Net capital transfers paid 		24,641 Millions of Dollars -77,532 Millions of Dollars -25,582 Millions of Dollars Mil. of $
line 11
= Gross saving less Net capital transfers paid 		3,977,848 Millions of Dollars 3,963,045 Millions of Dollars 3,917,090 Millions of Dollars Mil. of $
line 12
Gross investment 		3,650,841 Millions of Dollars 5,860,699 Millions of Dollars 4,846,414 Millions of Dollars Mil. of $
line 13
Capital expenditures 		3,333,870 Millions of Dollars 3,310,683 Millions of Dollars 3,201,944 Millions of Dollars Mil. of $
line 14
Consumer durable goods 		2,058,245 Millions of Dollars 2,029,554 Millions of Dollars 1,961,533 Millions of Dollars Mil. of $
line 15
Residential 		983,589 Millions of Dollars 992,480 Millions of Dollars 965,867 Millions of Dollars Mil. of $
line 16
Nonprofit nonresidential 		306,052 Millions of Dollars 302,318 Millions of Dollars 288,182 Millions of Dollars Mil. of $
line 17
Nonproduced nonfinancial assets 		-14,016 Millions of Dollars -13,669 Millions of Dollars -13,638 Millions of Dollars Mil. of $
line 18
Net lending (+) or net borrowing (-) 		316,971 Millions of Dollars 2,550,016 Millions of Dollars 1,644,470 Millions of Dollars Mil. of $
line 19
Net acquisition of financial assets 		1,115,934 Millions of Dollars 2,957,844 Millions of Dollars 2,240,424 Millions of Dollars Mil. of $
line 20
Foreign deposits 		1,186 Millions of Dollars 3,088 Millions of Dollars 4,548 Millions of Dollars Mil. of $
line 21
Checkable deposits and currency 		514,112 Millions of Dollars 869,493 Millions of Dollars -450,581 Millions of Dollars Mil. of $
line 22
Time and savings deposits 		345,547 Millions of Dollars 44,468 Millions of Dollars 347,372 Millions of Dollars Mil. of $
line 23
Money market fund shares 		287,374 Millions of Dollars 613,170 Millions of Dollars 427,099 Millions of Dollars Mil. of $
line 24
Debt securities 		-20,929 Millions of Dollars -77,923 Millions of Dollars 709,467 Millions of Dollars Mil. of $
line 25
Treasury securities 		292,764 Millions of Dollars 260,681 Millions of Dollars 439,789 Millions of Dollars Mil. of $
line 26
Agency- and GSE-backed securities 		-125,868 Millions of Dollars -429,141 Millions of Dollars 51,335 Millions of Dollars Mil. of $
line 27
Municipal securities 		264,230 Millions of Dollars 95,584 Millions of Dollars 231,603 Millions of Dollars Mil. of $
line 28
Corporate and foreign bonds 		-452,055 Millions of Dollars -5,047 Millions of Dollars -13,261 Millions of Dollars Mil. of $
line 29
Loans 		73,118 Millions of Dollars 356,048 Millions of Dollars -160,419 Millions of Dollars Mil. of $
line 30
Other loans and advances 		78,942 Millions of Dollars 362,324 Millions of Dollars -151,599 Millions of Dollars Mil. of $
line 31
Mortgages 		-4,336 Millions of Dollars -4,956 Millions of Dollars -2,932 Millions of Dollars Mil. of $
line 32
Consumer credit (student loans) 		-1,488 Millions of Dollars -1,320 Millions of Dollars -5,888 Millions of Dollars Mil. of $
line 33
Corporate equities 		-207,488 Millions of Dollars 1,078,929 Millions of Dollars 1,198,088 Millions of Dollars Mil. of $
line 34
Mutual fund shares 		-319,610 Millions of Dollars -386,891 Millions of Dollars -492,866 Millions of Dollars Mil. of $
line 35
Trade receivables 		34,580 Millions of Dollars 34,580 Millions of Dollars 34,872 Millions of Dollars Mil. of $
line 36
Life insurance reserves 		73,620 Millions of Dollars 47,088 Millions of Dollars 49,928 Millions of Dollars Mil. of $
line 37
Pension entitlements 		345,099 Millions of Dollars 267,396 Millions of Dollars 447,854 Millions of Dollars Mil. of $
line 38
Equity in noncorporate business 		-84,076 Millions of Dollars 10,312 Millions of Dollars 37,670 Millions of Dollars Mil. of $
line 39
Miscellaneous assets 		73,400 Millions of Dollars 98,085 Millions of Dollars 87,391 Millions of Dollars Mil. of $
line 40
Net increase in liabilities 		798,962 Millions of Dollars 407,828 Millions of Dollars 595,954 Millions of Dollars Mil. of $
line 41
Debt securities (municipal securities) 		23,248 Millions of Dollars 8,264 Millions of Dollars 14,308 Millions of Dollars Mil. of $
line 42
Loans 		747,378 Millions of Dollars 357,848 Millions of Dollars 551,530 Millions of Dollars Mil. of $
line 43
Home mortgages 		439,381 Millions of Dollars 304,090 Millions of Dollars 428,283 Millions of Dollars Mil. of $
line 44
Consumer credit 		140,349 Millions of Dollars 58,298 Millions of Dollars 53,335 Millions of Dollars Mil. of $
line 45
Depository institution loans n.e.c. 		696 Millions of Dollars -19,892 Millions of Dollars -14,920 Millions of Dollars Mil. of $
line 46
Other loans and advances 		155,924 Millions of Dollars 5,040 Millions of Dollars 80,676 Millions of Dollars Mil. of $
line 47
Commercial mortgages 		11,028 Millions of Dollars 10,312 Millions of Dollars 4,156 Millions of Dollars Mil. of $
line 48
Trade payables 		30,044 Millions of Dollars 30,044 Millions of Dollars 29,892 Millions of Dollars Mil. of $
line 49
Deferred and unpaid life insurance premiums 		-1,708 Millions of Dollars 11,672 Millions of Dollars 224 Millions of Dollars Mil. of $
line 50
Discrepancy 		327,006 Millions of Dollars -1,897,654 Millions of Dollars -929,324 Millions of Dollars Mil. of $
   

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