Quarterly

L.218 Home Mortgages

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 liabilities 		Q4 2025 14,770,058 Millions of U.S. Dollars 14,665,725 Millions of U.S. Dollars 14,359,193 Millions of U.S. Dollars Mil. of U.S. $
line 2
Household sector 		Q4 2025 13,767,145 Millions of U.S. Dollars 13,667,847 Millions of U.S. Dollars 13,381,166 Millions of U.S. Dollars Mil. of U.S. $
line 3
Nonfinancial corporate business 		Q4 2025 19,487 Millions of U.S. Dollars 19,513 Millions of U.S. Dollars 19,154 Millions of U.S. Dollars Mil. of U.S. $
line 4
Nonfinancial noncorporate business 		Q4 2025 983,426 Millions of U.S. Dollars 978,365 Millions of U.S. Dollars 958,873 Millions of U.S. Dollars Mil. of U.S. $
line 5
Total assets 		Q4 2025 14,770,058 Millions of U.S. Dollars 14,665,725 Millions of U.S. Dollars 14,359,193 Millions of U.S. Dollars Mil. of U.S. $
line 6
Household sector 		Q4 2025 50,875 Millions of U.S. Dollars 51,747 Millions of U.S. Dollars 54,363 Millions of U.S. Dollars Mil. of U.S. $
line 7
Nonfinancial corporate business 		Q4 2025 29,571 Millions of U.S. Dollars 29,431 Millions of U.S. Dollars 29,302 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial noncorporate business 		Q4 2025 21,162 Millions of U.S. Dollars 20,958 Millions of U.S. Dollars 20,592 Millions of U.S. Dollars Mil. of U.S. $
line 9
Federal government 		Q4 2025 70,995 Millions of U.S. Dollars 71,114 Millions of U.S. Dollars 68,557 Millions of U.S. Dollars Mil. of U.S. $
line 10
State and local governments 		Q4 2025 127,753 Millions of U.S. Dollars 125,858 Millions of U.S. Dollars 120,341 Millions of U.S. Dollars Mil. of U.S. $
line 11
U.S.-chartered depository institutions 		Q4 2025 3,024,232 Millions of U.S. Dollars 3,008,185 Millions of U.S. Dollars 2,968,701 Millions of U.S. Dollars Mil. of U.S. $
line 12
Foreign banking offices in U.S. 		Q4 2025 1,107 Millions of U.S. Dollars 956 Millions of U.S. Dollars 948 Millions of U.S. Dollars Mil. of U.S. $
line 13
Banks in U.S.-affiliated areas 		Q4 2025 12,631 Millions of U.S. Dollars 12,455 Millions of U.S. Dollars 12,189 Millions of U.S. Dollars Mil. of U.S. $
line 14
Credit unions 		Q4 2025 809,897 Millions of U.S. Dollars 798,099 Millions of U.S. Dollars 756,725 Millions of U.S. Dollars Mil. of U.S. $
line 15
Life insurance companies 		Q4 2025 157,951 Millions of U.S. Dollars 147,774 Millions of U.S. Dollars 122,459 Millions of U.S. Dollars Mil. of U.S. $
line 16
Private pension funds 		Q4 2025 1,983 Millions of U.S. Dollars 1,938 Millions of U.S. Dollars 1,797 Millions of U.S. Dollars Mil. of U.S. $
line 17
State and local govt. retirement funds 		Q4 2025 1,898 Millions of U.S. Dollars 1,928 Millions of U.S. Dollars 1,876 Millions of U.S. Dollars Mil. of U.S. $
line 18
Government-sponsored enterprises 		Q4 2025 6,784,925 Millions of U.S. Dollars 6,781,291 Millions of U.S. Dollars 6,769,223 Millions of U.S. Dollars Mil. of U.S. $
line 19
Agency- and GSE-backed mortgage pools 		Q4 2025 2,742,282 Millions of U.S. Dollars 2,700,990 Millions of U.S. Dollars 2,569,248 Millions of U.S. Dollars Mil. of U.S. $
line 20
ABS issuers 		Q4 2025 525,488 Millions of U.S. Dollars 516,405 Millions of U.S. Dollars 478,452 Millions of U.S. Dollars Mil. of U.S. $
line 21
Finance companies 		Q4 2025 283,329 Millions of U.S. Dollars 286,960 Millions of U.S. Dollars 290,001 Millions of U.S. Dollars Mil. of U.S. $
line 22
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
Memo:
line 23
Home equity loans included above 		Q4 2025 622,987 Millions of U.S. Dollars 606,968 Millions of U.S. Dollars 561,406 Millions of U.S. Dollars Mil. of U.S. $
line 24
U.S.-chartered depository institutions 		Q4 2025 351,912 Millions of U.S. Dollars 345,435 Millions of U.S. Dollars 328,911 Millions of U.S. Dollars Mil. of U.S. $
line 25
Foreign banking offices in U.S. 		Q4 2025 479 Millions of U.S. Dollars 306 Millions of U.S. Dollars 319 Millions of U.S. Dollars Mil. of U.S. $
line 26
Credit unions 		Q4 2025 181,225 Millions of U.S. Dollars 176,422 Millions of U.S. Dollars 157,945 Millions of U.S. Dollars Mil. of U.S. $
line 27
ABS issuers 		Q4 2025 32,705 Millions of U.S. Dollars 27,413 Millions of U.S. Dollars 16,231 Millions of U.S. Dollars Mil. of U.S. $
line 28
Finance companies 		Q4 2025 56,666 Millions of U.S. Dollars 57,392 Millions of U.S. Dollars 58,000 Millions of U.S. Dollars Mil. of U.S. $
   

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