Quarterly

F.111 U.S.-Chartered Depository Institutions

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    
 
 
    Q4 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving less net capital transfers paid 		Q4 2025 118,656 Millions of U.S. Dollars 129,236 Millions of U.S. Dollars 126,493 Millions of U.S. Dollars Mil. of U.S. $
line 2
Fixed nonresidential investment 		Q4 2025 114,089 Millions of U.S. Dollars 110,546 Millions of U.S. Dollars 89,632 Millions of U.S. Dollars Mil. of U.S. $
line 3
Net acquisition of financial assets 		Q4 2025 499,594 Millions of U.S. Dollars 280,542 Millions of U.S. Dollars -107,923 Millions of U.S. Dollars Mil. of U.S. $
line 4
Vault cash 		Q4 2025 2,227 Millions of U.S. Dollars 9,476 Millions of U.S. Dollars 7,776 Millions of U.S. Dollars Mil. of U.S. $
line 5
Reserves at Federal Reserve 		Q4 2025 154,568 Millions of U.S. Dollars -395,268 Millions of U.S. Dollars 185,544 Millions of U.S. Dollars Mil. of U.S. $
line 6
Federal funds and security repos 		Q4 2025 82,232 Millions of U.S. Dollars -131,824 Millions of U.S. Dollars -102,132 Millions of U.S. Dollars Mil. of U.S. $
line 7
Debt securities 		Q4 2025 -328,783 Millions of U.S. Dollars 218,404 Millions of U.S. Dollars -83,448 Millions of U.S. Dollars Mil. of U.S. $
line 8
Open market paper 		Q4 2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 9
Treasury securities 		Q4 2025 55,908 Millions of U.S. Dollars 331,132 Millions of U.S. Dollars 302,936 Millions of U.S. Dollars Mil. of U.S. $
line 10
Agency- and GSE-backed securities 		Q4 2025 -125,768 Millions of U.S. Dollars -75,548 Millions of U.S. Dollars -21,068 Millions of U.S. Dollars Mil. of U.S. $
line 11
Residential mortgage pass-through securities 		Q4 2025 -84,944 Millions of U.S. Dollars -75,012 Millions of U.S. Dollars 7,528 Millions of U.S. Dollars Mil. of U.S. $
line 12
Commercial mortgage pass-through securities 		Q4 2025 20,856 Millions of U.S. Dollars 16,332 Millions of U.S. Dollars 40,492 Millions of U.S. Dollars Mil. of U.S. $
line 13
Residential CMOs and other structured MBS 		Q4 2025 -24,724 Millions of U.S. Dollars 22,928 Millions of U.S. Dollars 19,328 Millions of U.S. Dollars Mil. of U.S. $
line 14
Commercial CMOs and other structured MBS 		Q4 2025 -772 Millions of U.S. Dollars -13,368 Millions of U.S. Dollars -42,048 Millions of U.S. Dollars Mil. of U.S. $
line 15
Other 		Q4 2025 -36,184 Millions of U.S. Dollars -22,512 Millions of U.S. Dollars -23,984 Millions of U.S. Dollars Mil. of U.S. $
line 16
Municipal securities 		Q4 2025 -49,664 Millions of U.S. Dollars -7,012 Millions of U.S. Dollars -44,740 Millions of U.S. Dollars Mil. of U.S. $
line 17
Corporate and foreign bonds 		Q4 2025 -194,148 Millions of U.S. Dollars -24,180 Millions of U.S. Dollars -312,272 Millions of U.S. Dollars Mil. of U.S. $
line 18
Private residential mortgage pass-through securities 		Q4 2025 700 Millions of U.S. Dollars 80 Millions of U.S. Dollars -936 Millions of U.S. Dollars Mil. of U.S. $
line 19
Private commercial mortgage pass-through securities 		Q4 2025 260 Millions of U.S. Dollars -80 Millions of U.S. Dollars 372 Millions of U.S. Dollars Mil. of U.S. $
line 20
Private residential CMOs and other structured MBS 		Q4 2025 -2,992 Millions of U.S. Dollars -7,572 Millions of U.S. Dollars 312 Millions of U.S. Dollars Mil. of U.S. $
line 21
Private commercial CMOs and other structured MBS 		Q4 2025 -7,940 Millions of U.S. Dollars -8,284 Millions of U.S. Dollars -6,448 Millions of U.S. Dollars Mil. of U.S. $
line 22
Other 		Q4 2025 -184,176 Millions of U.S. Dollars -8,324 Millions of U.S. Dollars -305,572 Millions of U.S. Dollars Mil. of U.S. $
line 23
Loans 		Q4 2025 906,621 Millions of U.S. Dollars 513,219 Millions of U.S. Dollars 387,141 Millions of U.S. Dollars Mil. of U.S. $
line 24
Depository institution loans n.e.c. 		Q4 2025 591,364 Millions of U.S. Dollars 321,680 Millions of U.S. Dollars 247,715 Millions of U.S. Dollars Mil. of U.S. $
line 25
Other loans and advances 		Q4 2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 26
Mortgages 		Q4 2025 169,009 Millions of U.S. Dollars 135,972 Millions of U.S. Dollars 24,928 Millions of U.S. Dollars Mil. of U.S. $
line 27
Consumer credit 		Q4 2025 142,219 Millions of U.S. Dollars 64,459 Millions of U.S. Dollars 111,902 Millions of U.S. Dollars Mil. of U.S. $
line 28
Corporate equities 		Q4 2025 10,784 Millions of U.S. Dollars 5,456 Millions of U.S. Dollars -1,648 Millions of U.S. Dollars Mil. of U.S. $
line 29
Mutual fund shares 		Q4 2025 -7,124 Millions of U.S. Dollars 2,144 Millions of U.S. Dollars 4,036 Millions of U.S. Dollars Mil. of U.S. $
line 30
Life insurance reserves 		Q4 2025 6,388 Millions of U.S. Dollars 6,264 Millions of U.S. Dollars 3,768 Millions of U.S. Dollars Mil. of U.S. $
line 31
U.S. direct investment abroad 		Q4 2025 20,155 Millions of U.S. Dollars -10,064 Millions of U.S. Dollars 23,844 Millions of U.S. Dollars Mil. of U.S. $
line 32
Miscellaneous assets 		Q4 2025 -429,537 Millions of U.S. Dollars -58,141 Millions of U.S. Dollars -345,176 Millions of U.S. Dollars Mil. of U.S. $
line 33
Net increase in liabilities 		Q4 2025 793,695 Millions of U.S. Dollars 27,231 Millions of U.S. Dollars 228,147 Millions of U.S. Dollars Mil. of U.S. $
line 34
Net interbank liabilities 		Q4 2025 213,209 Millions of U.S. Dollars 6,619 Millions of U.S. Dollars -67,609 Millions of U.S. Dollars Mil. of U.S. $
line 35
Federal Reserve float 		Q4 2025 -1,676 Millions of U.S. Dollars -60 Millions of U.S. Dollars -1,644 Millions of U.S. Dollars Mil. of U.S. $
line 36
Borrowing from Federal Reserve banks 		Q4 2025 6,120 Millions of U.S. Dollars -1,816 Millions of U.S. Dollars -285,444 Millions of U.S. Dollars Mil. of U.S. $
line 37
To domestic banking 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 38
To foreign banks 		Q4 2025 126,824 Millions of U.S. Dollars -50,088 Millions of U.S. Dollars 123,600 Millions of U.S. Dollars Mil. of U.S. $
line 39
Checkable deposits 		Q4 2025 3,921,360 Millions of U.S. Dollars 144,187 Millions of U.S. Dollars 652,901 Millions of U.S. Dollars Mil. of U.S. $
line 40
Federal government 		Q4 2025 4,091 Millions of U.S. Dollars 2,391 Millions of U.S. Dollars 3,944 Millions of U.S. Dollars Mil. of U.S. $
line 41
Private domestic 		Q4 2025 3,775,059 Millions of U.S. Dollars 101,720 Millions of U.S. Dollars 573,409 Millions of U.S. Dollars Mil. of U.S. $
line 42
Rest of the world 		Q4 2025 11,588 Millions of U.S. Dollars 31,148 Millions of U.S. Dollars 16,400 Millions of U.S. Dollars Mil. of U.S. $
line 43
Time and savings deposits 		Q4 2025 -3,209,793 Millions of U.S. Dollars 101,585 Millions of U.S. Dollars -316,436 Millions of U.S. Dollars Mil. of U.S. $
line 44
Federal funds and security repos 		Q4 2025 -67,172 Millions of U.S. Dollars -122,856 Millions of U.S. Dollars -88,680 Millions of U.S. Dollars Mil. of U.S. $
line 45
Debt securities 		Q4 2025 -114,888 Millions of U.S. Dollars -89,908 Millions of U.S. Dollars -128,356 Millions of U.S. Dollars Mil. of U.S. $
line 46
Open market paper 		Q4 2025 -58,088 Millions of U.S. Dollars -40,780 Millions of U.S. Dollars -62,080 Millions of U.S. Dollars Mil. of U.S. $
line 47
Corporate bonds 		Q4 2025 -56,800 Millions of U.S. Dollars -49,128 Millions of U.S. Dollars -66,276 Millions of U.S. Dollars Mil. of U.S. $
line 48
Loans (other loans and advances) 		Q4 2025 -58,849 Millions of U.S. Dollars -184,876 Millions of U.S. Dollars -52,358 Millions of U.S. Dollars Mil. of U.S. $
line 49
Corporate equity issues 		Q4 2025 6,024 Millions of U.S. Dollars 2,712 Millions of U.S. Dollars 9,960 Millions of U.S. Dollars Mil. of U.S. $
line 50
Taxes payable (net) 		Q4 2025 1,761 Millions of U.S. Dollars 79,547 Millions of U.S. Dollars -66,204 Millions of U.S. Dollars Mil. of U.S. $
line 51
Miscellaneous liabilities 		Q4 2025 108,067 Millions of U.S. Dollars 92,933 Millions of U.S. Dollars 294,889 Millions of U.S. Dollars Mil. of U.S. $
line 52
Investment by holding companies 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 53
Other 		Q4 2025 108,459 Millions of U.S. Dollars 56,913 Millions of U.S. Dollars 345,601 Millions of U.S. Dollars Mil. of U.S. $
line 54
Discrepancy 		Q4 2025 382,116 Millions of U.S. Dollars -83,821 Millions of U.S. Dollars 310,435 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 55
Consumer leases not included above 		Q4 2025 160 Millions of U.S. Dollars 80 Millions of U.S. Dollars 1,184 Millions of U.S. Dollars Mil. of U.S. $
line 56
Uninsured deposits 		Q4 2025 879,207 Millions of U.S. Dollars 341,012 Millions of U.S. Dollars 836,185 Millions of U.S. Dollars Mil. of U.S. $
   

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