Federal Reserve Economic Data

Annual

B.101 Balance Sheet of 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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    1945    
 
 
    2024
Line Name 2024 Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		191,730,531 Millions of Dollars 176,980,305 Millions of Dollars 176,980,305 Millions of Dollars Mil. of $
line 2
Nonfinancial assets 		61,347,340 Millions of Dollars 57,801,651 Millions of Dollars 57,801,651 Millions of Dollars Mil. of $
line 3
Real estate 		52,204,487 Millions of Dollars 49,026,205 Millions of Dollars 49,026,205 Millions of Dollars Mil. of $
line 4
Households 		48,137,445 Millions of Dollars 44,904,957 Millions of Dollars 44,904,957 Millions of Dollars Mil. of $
line 5
Nonprofit organizations 		4,067,042 Millions of Dollars 4,121,248 Millions of Dollars 4,121,248 Millions of Dollars Mil. of $
line 6
Equipment (nonprofits) 		690,510 Millions of Dollars 656,963 Millions of Dollars 656,963 Millions of Dollars Mil. of $
line 7
Intellectual property products (nonprofits) 		278,164 Millions of Dollars 258,044 Millions of Dollars 258,044 Millions of Dollars Mil. of $
line 8
Consumer durable goods 		8,174,179 Millions of Dollars 7,860,439 Millions of Dollars 7,860,439 Millions of Dollars Mil. of $
line 9
Financial assets 		130,383,191 Millions of Dollars 119,178,654 Millions of Dollars 119,178,654 Millions of Dollars Mil. of $
line 10
Foreign deposits 		56,595 Millions of Dollars 50,819 Millions of Dollars 50,819 Millions of Dollars Mil. of $
line 11
Checkable deposits and currency 		4,614,110 Millions of Dollars 4,424,743 Millions of Dollars 4,424,743 Millions of Dollars Mil. of $
line 12
Time and savings deposits 		9,834,651 Millions of Dollars 9,836,375 Millions of Dollars 9,836,375 Millions of Dollars Mil. of $
line 13
Money market fund shares 		4,718,016 Millions of Dollars 4,029,790 Millions of Dollars 4,029,790 Millions of Dollars Mil. of $
line 14
Debt securities 		5,754,539 Millions of Dollars 5,549,731 Millions of Dollars 5,549,731 Millions of Dollars Mil. of $
line 15
Treasury securities 		2,568,631 Millions of Dollars 2,496,747 Millions of Dollars 2,496,747 Millions of Dollars Mil. of $
line 16
Agency- and GSE-backed securities 		1,004,274 Millions of Dollars 946,718 Millions of Dollars 946,718 Millions of Dollars Mil. of $
line 17
Municipal securities 		1,942,790 Millions of Dollars 1,873,607 Millions of Dollars 1,873,607 Millions of Dollars Mil. of $
line 18
Corporate and foreign bonds 		238,844 Millions of Dollars 232,659 Millions of Dollars 232,659 Millions of Dollars Mil. of $
line 19
Loans 		1,178,260 Millions of Dollars 1,337,237 Millions of Dollars 1,337,237 Millions of Dollars Mil. of $
line 20
Other loans and advances 		1,092,474 Millions of Dollars 1,244,706 Millions of Dollars 1,244,706 Millions of Dollars Mil. of $
line 21
Mortgages 		70,381 Millions of Dollars 73,931 Millions of Dollars 73,931 Millions of Dollars Mil. of $
line 22
Consumer credit (student loans) 		15,405 Millions of Dollars 18,600 Millions of Dollars 18,600 Millions of Dollars Mil. of $
line 23
Corporate equities 		39,567,287 Millions of Dollars 32,632,238 Millions of Dollars 32,632,238 Millions of Dollars Mil. of $
line 24
Mutual fund shares 		12,226,781 Millions of Dollars 11,075,591 Millions of Dollars 11,075,591 Millions of Dollars Mil. of $
line 25
Trade receivables 		443,942 Millions of Dollars 409,070 Millions of Dollars 409,070 Millions of Dollars Mil. of $
line 26
Life insurance reserves 		2,161,914 Millions of Dollars 2,060,475 Millions of Dollars 2,060,475 Millions of Dollars Mil. of $
line 27
Pension entitlements 		32,516,906 Millions of Dollars 30,609,437 Millions of Dollars 30,609,437 Millions of Dollars Mil. of $
line 28
Equity in noncorporate business 		15,601,694 Millions of Dollars 15,547,565 Millions of Dollars 15,547,565 Millions of Dollars Mil. of $
line 29
Miscellaneous assets 		1,708,497 Millions of Dollars 1,615,584 Millions of Dollars 1,615,584 Millions of Dollars Mil. of $
line 30
Liabilities 		20,797,801 Millions of Dollars 20,443,587 Millions of Dollars 20,443,587 Millions of Dollars Mil. of $
line 31
Debt securities (municipal securities) 		215,182 Millions of Dollars 206,833 Millions of Dollars 206,833 Millions of Dollars Mil. of $
line 32
Loans 		19,985,497 Millions of Dollars 19,669,682 Millions of Dollars 19,669,682 Millions of Dollars Mil. of $
line 33
Home mortgages 		13,381,127 Millions of Dollars 13,017,056 Millions of Dollars 13,017,056 Millions of Dollars Mil. of $
line 34
Consumer credit 		4,950,046 Millions of Dollars 4,988,253 Millions of Dollars 4,988,253 Millions of Dollars Mil. of $
line 35
Depository institution loans n.e.c. 		351,422 Millions of Dollars 475,307 Millions of Dollars 475,307 Millions of Dollars Mil. of $
line 36
Other loans and advances 		827,259 Millions of Dollars 721,897 Millions of Dollars 721,897 Millions of Dollars Mil. of $
line 37
Commercial mortgages 		475,643 Millions of Dollars 467,169 Millions of Dollars 467,169 Millions of Dollars Mil. of $
line 38
Trade payables 		557,592 Millions of Dollars 527,700 Millions of Dollars 527,700 Millions of Dollars Mil. of $
line 39
Deferred and unpaid life insurance premiums 		39,530 Millions of Dollars 39,372 Millions of Dollars 39,372 Millions of Dollars Mil. of $
line 40
Net worth 		170,932,730 Millions of Dollars 156,536,718 Millions of Dollars 156,536,718 Millions of Dollars Mil. of $
Memo:
line 41
Assets held in IRAs 		17,000,000 Millions of Dollars 15,000,000 Millions of Dollars 15,000,000 Millions of Dollars Mil. of $
line 42
Assets held in 529 college plans 		525,183 Millions of Dollars 471,169 Millions of Dollars 471,169 Millions of Dollars Mil. of $
line 43
College savings plans 		500,612 Millions of Dollars 446,579 Millions of Dollars 446,579 Millions of Dollars Mil. of $
line 44
Prepaid tuition plans 		24,571 Millions of Dollars 24,590 Millions of Dollars 24,590 Millions of Dollars Mil. of $
Replacement-cost value of structures:
line 45
Residential 		28,290,062 Millions of Dollars 27,414,470 Millions of Dollars 27,414,470 Millions of Dollars Mil. of $
line 46
Households 		27,863,090 Millions of Dollars 26,999,068 Millions of Dollars 26,999,068 Millions of Dollars Mil. of $
line 47
Nonprofit organizations 		426,972 Millions of Dollars 415,402 Millions of Dollars 415,402 Millions of Dollars Mil. of $
line 48
Nonresidential (nonprofits) 		2,912,478 Millions of Dollars 2,887,460 Millions of Dollars 2,887,460 Millions of Dollars Mil. of $
line 49
Disposable personal income (DPI) (SAAR) 		21,633,600 Millions of Dollars 20,546,799 Millions of Dollars 20,546,799 Millions of Dollars Mil. of $
line 50
Net worth/DPI (percent) (line 40/line 49) 		790.12616 Percent 761.85452 Percent 761.85452 Percent %
line 51
Owners’ equity in real estate (line 4 less line 33) 		34,756,318 Millions of Dollars 31,887,901 Millions of Dollars 31,887,901 Millions of Dollars Mil. of $
line 52
Owners’ equity/real estate (percent) (line 51/line 4) 		72.20225 Percent 71.01198 Percent 71.01198 Percent %
   

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