Quarterly

L.110 Private 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/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

   

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    Q4 1945    
 
 
    Q4 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Total financial assets 		Q4 2025 29,153,051 Millions of U.S. Dollars 28,774,171 Millions of U.S. Dollars 27,694,752 Millions of U.S. Dollars Mil. of U.S. $
line 2
Vault cash 		Q4 2025 85,552 Millions of U.S. Dollars 75,811 Millions of U.S. Dollars 86,450 Millions of U.S. Dollars Mil. of U.S. $
line 3
Reserves at Federal Reserve 		Q4 2025 2,853,441 Millions of U.S. Dollars 2,858,504 Millions of U.S. Dollars 2,892,363 Millions of U.S. Dollars Mil. of U.S. $
line 4
Federal funds and security repos 		Q4 2025 796,703 Millions of U.S. Dollars 787,280 Millions of U.S. Dollars 698,402 Millions of U.S. Dollars Mil. of U.S. $
line 5
Debt securities 		Q4 2025 6,413,226 Millions of U.S. Dollars 6,446,289 Millions of U.S. Dollars 6,059,053 Millions of U.S. Dollars Mil. of U.S. $
line 6
Open market paper 		Q4 2025 20 Millions of U.S. Dollars 40 Millions of U.S. Dollars 60 Millions of U.S. Dollars Mil. of U.S. $
line 7
Treasury securities 		Q4 2025 1,961,842 Millions of U.S. Dollars 1,940,489 Millions of U.S. Dollars 1,722,729 Millions of U.S. Dollars Mil. of U.S. $
line 8
Agency- and GSE-backed securities 		Q4 2025 3,173,819 Millions of U.S. Dollars 3,181,169 Millions of U.S. Dollars 3,060,427 Millions of U.S. Dollars Mil. of U.S. $
line 9
Municipal securities 		Q4 2025 371,978 Millions of U.S. Dollars 377,118 Millions of U.S. Dollars 384,724 Millions of U.S. Dollars Mil. of U.S. $
line 10
Corporate and foreign bonds 		Q4 2025 905,567 Millions of U.S. Dollars 947,473 Millions of U.S. Dollars 891,113 Millions of U.S. Dollars Mil. of U.S. $
line 11
Loans 		Q4 2025 15,865,728 Millions of U.S. Dollars 15,522,216 Millions of U.S. Dollars 14,985,111 Millions of U.S. Dollars Mil. of U.S. $
line 12
Depository institution loans n.e.c. 		Q4 2025 5,828,179 Millions of U.S. Dollars 5,607,978 Millions of U.S. Dollars 5,269,464 Millions of U.S. Dollars Mil. of U.S. $
line 13
Other loans and advances 		Q4 2025 29,507 Millions of U.S. Dollars 28,500 Millions of U.S. Dollars 26,515 Millions of U.S. Dollars Mil. of U.S. $
line 14
Mortgages 		Q4 2025 7,228,583 Millions of U.S. Dollars 7,165,994 Millions of U.S. Dollars 7,029,582 Millions of U.S. Dollars Mil. of U.S. $
line 15
Consumer credit 		Q4 2025 2,779,459 Millions of U.S. Dollars 2,719,744 Millions of U.S. Dollars 2,659,550 Millions of U.S. Dollars Mil. of U.S. $
line 16
Corporate equities 		Q4 2025 95,614 Millions of U.S. Dollars 91,063 Millions of U.S. Dollars 79,844 Millions of U.S. Dollars Mil. of U.S. $
line 17
Mutual fund shares 		Q4 2025 18,452 Millions of U.S. Dollars 19,851 Millions of U.S. Dollars 14,752 Millions of U.S. Dollars Mil. of U.S. $
line 18
Life insurance reserves 		Q4 2025 213,180 Millions of U.S. Dollars 211,583 Millions of U.S. Dollars 207,025 Millions of U.S. Dollars Mil. of U.S. $
line 19
U.S. direct investment abroad 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 20
Miscellaneous assets 		Q4 2025 666,391 Millions of U.S. Dollars 710,952 Millions of U.S. Dollars 826,601 Millions of U.S. Dollars Mil. of U.S. $
line 21
Total liabilities 		Q4 2025 26,941,421 Millions of U.S. Dollars 26,594,608 Millions of U.S. Dollars 25,826,369 Millions of U.S. Dollars Mil. of U.S. $
line 22
Net interbank liabilities 		Q4 2025 2,225,362 Millions of U.S. Dollars 2,132,353 Millions of U.S. Dollars 1,989,113 Millions of U.S. Dollars Mil. of U.S. $
line 23
Checkable deposits 		Q4 2025 8,593,761 Millions of U.S. Dollars 7,511,889 Millions of U.S. Dollars 7,184,200 Millions of U.S. Dollars Mil. of U.S. $
line 24
Time and savings deposits 		Q4 2025 13,158,587 Millions of U.S. Dollars 13,867,517 Millions of U.S. Dollars 13,695,679 Millions of U.S. Dollars Mil. of U.S. $
line 25
Federal funds and security repos 		Q4 2025 749,408 Millions of U.S. Dollars 784,467 Millions of U.S. Dollars 698,210 Millions of U.S. Dollars Mil. of U.S. $
line 26
Debt securities 		Q4 2025 612,224 Millions of U.S. Dollars 659,148 Millions of U.S. Dollars 588,757 Millions of U.S. Dollars Mil. of U.S. $
line 27
Open market paper 		Q4 2025 368,222 Millions of U.S. Dollars 400,946 Millions of U.S. Dollars 349,278 Millions of U.S. Dollars Mil. of U.S. $
line 28
Corporate bonds 		Q4 2025 244,002 Millions of U.S. Dollars 258,202 Millions of U.S. Dollars 239,479 Millions of U.S. Dollars Mil. of U.S. $
line 29
Loans (other loans and advances) 		Q4 2025 487,920 Millions of U.S. Dollars 508,054 Millions of U.S. Dollars 564,578 Millions of U.S. Dollars Mil. of U.S. $
line 30
Taxes payable (net) 		Q4 2025 84,351 Millions of U.S. Dollars 80,579 Millions of U.S. Dollars 61,228 Millions of U.S. Dollars Mil. of U.S. $
line 31
Foreign direct investment in U.S. 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 32
Miscellaneous liabilities 		Q4 2025 1,015,343 Millions of U.S. Dollars 1,036,436 Millions of U.S. Dollars 1,029,532 Millions of U.S. Dollars Mil. of U.S. $
line 33
Investment by holding companies 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 34
Investment by funding corporations 		Q4 2025 125,105 Millions of U.S. Dollars 122,412 Millions of U.S. Dollars 99,144 Millions of U.S. Dollars Mil. of U.S. $
line 35
Other 		Q4 2025 780,173 Millions of U.S. Dollars 801,168 Millions of U.S. Dollars 790,540 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 36
Consumer leases not included above 		Q4 2025 11,073 Millions of U.S. Dollars 11,033 Millions of U.S. Dollars 10,856 Millions of U.S. Dollars Mil. of U.S. $
line 37
Uninsured deposits 		Q4 2025 9,380,063 Millions of U.S. Dollars 9,142,100 Millions of U.S. Dollars 8,743,469 Millions of U.S. Dollars Mil. of U.S. $
   

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