Federal Reserve Economic Data

Quarterly

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/.

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    Q4 1945    
 
 
    Q2 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		Q2 2025 197,279.525 Billions of Dollars 190,010.236 Billions of Dollars 186,833.648 Billions of Dollars Bil. of $
line 2
Nonfinancial assets 		Q2 2025 62,689,730 Millions of Dollars 61,267,772 Millions of Dollars 61,799,532 Millions of Dollars Mil. of $
line 3
Real estate 		Q2 2025 53,224.213 Billions of Dollars 51,988.584 Billions of Dollars 52,855.140 Billions of Dollars Bil. of $
line 4
Households 		Q2 2025 49,315.364 Billions of Dollars 47,993.791 Billions of Dollars 48,769.143 Billions of Dollars Bil. of $
line 5
Nonprofit organizations 		Q2 2025 3,908.849 Billions of Dollars 3,994.793 Billions of Dollars 4,085.997 Billions of Dollars Bil. of $
line 6
Equipment (nonprofits) 		Q2 2025 709,595 Millions of Dollars 697,856 Millions of Dollars 674,838 Millions of Dollars Mil. of $
line 7
Intellectual property products (nonprofits) 		Q2 2025 284,802 Millions of Dollars 281,874 Millions of Dollars 266,804 Millions of Dollars Mil. of $
line 8
Consumer durable goods 		Q2 2025 8,471,120 Millions of Dollars 8,299,458 Millions of Dollars 8,002,750 Millions of Dollars Mil. of $
line 9
Financial assets 		Q2 2025 134,589.795 Billions of Dollars 128,742.464 Billions of Dollars 125,034.116 Billions of Dollars Bil. of $
line 10
Foreign deposits 		Q2 2025 57,663 Millions of Dollars 57,367 Millions of Dollars 54,331 Millions of Dollars Mil. of $
line 11
Checkable deposits and currency 		Q2 2025 4,890.857 Billions of Dollars 4,884.860 Billions of Dollars 4,517.117 Billions of Dollars Bil. of $
line 12
Time and savings deposits 		Q2 2025 9,846.346 Billions of Dollars 9,865.724 Billions of Dollars 9,698.629 Billions of Dollars Bil. of $
line 13
Money market fund shares 		Q2 2025 4,876.475 Billions of Dollars 4,820.097 Billions of Dollars 4,194.263 Billions of Dollars Bil. of $
line 14
Debt securities 		Q2 2025 5,876,576 Millions of Dollars 5,783,696 Millions of Dollars 5,600,075 Millions of Dollars Mil. of $
line 15
Treasury securities 		Q2 2025 2,751,044 Millions of Dollars 2,692,708 Millions of Dollars 2,498,453 Millions of Dollars Mil. of $
line 16
Agency- and GSE-backed securities 		Q2 2025 909,786 Millions of Dollars 908,925 Millions of Dollars 948,195 Millions of Dollars Mil. of $
line 17
Municipal securities 		Q2 2025 1,971,999 Millions of Dollars 1,940,605 Millions of Dollars 1,918,440 Millions of Dollars Mil. of $
line 18
Corporate and foreign bonds 		Q2 2025 243,747 Millions of Dollars 241,458 Millions of Dollars 234,987 Millions of Dollars Mil. of $
line 19
Loans 		Q2 2025 1,216,025 Millions of Dollars 1,224,792 Millions of Dollars 1,333,764 Millions of Dollars Mil. of $
line 20
Other loans and advances 		Q2 2025 1,133,263 Millions of Dollars 1,140,574 Millions of Dollars 1,245,345 Millions of Dollars Mil. of $
line 21
Mortgages 		Q2 2025 68.058 Billions of Dollars 69.142 Billions of Dollars 72.640 Billions of Dollars Bil. of $
line 22
Consumer credit (student loans) 		Q2 2025 14.704 Billions of Dollars 15.076 Billions of Dollars 15.779 Billions of Dollars Bil. of $
line 23
Corporate equities 		Q2 2025 41,789.781 Billions of Dollars 38,056.012 Billions of Dollars 36,284.023 Billions of Dollars Bil. of $
line 24
Mutual fund shares 		Q2 2025 12,758.887 Billions of Dollars 11,920.203 Billions of Dollars 11,893.040 Billions of Dollars Bil. of $
line 25
Trade receivables 		Q2 2025 461,232 Millions of Dollars 452,587 Millions of Dollars 426,506 Millions of Dollars Mil. of $
line 26
Life insurance reserves 		Q2 2025 2,214.409 Billions of Dollars 2,165.076 Billions of Dollars 2,121.666 Billions of Dollars Bil. of $
line 27
Pension entitlements 		Q2 2025 33,334,110 Millions of Dollars 32,261,900 Millions of Dollars 31,728,600 Millions of Dollars Mil. of $
line 28
Equity in noncorporate business 		Q2 2025 15,524,338 Millions of Dollars 15,523,271 Millions of Dollars 15,524,977 Millions of Dollars Mil. of $
line 29
Miscellaneous assets 		Q2 2025 1,743.096 Billions of Dollars 1,726.879 Billions of Dollars 1,657.125 Billions of Dollars Bil. of $
line 30
Liabilities 		Q2 2025 20,986.621 Billions of Dollars 20,803.559 Billions of Dollars 20,674.146 Billions of Dollars Bil. of $
line 31
Debt securities (municipal securities) 		Q2 2025 223.060 Billions of Dollars 217.248 Billions of Dollars 212.835 Billions of Dollars Bil. of $
line 32
Loans 		Q2 2025 20,148,926 Millions of Dollars 19,978,760 Millions of Dollars 19,877,645 Millions of Dollars Mil. of $
line 33
Home mortgages 		Q2 2025 13,532.594 Billions of Dollars 13,424.686 Billions of Dollars 13,161.678 Billions of Dollars Bil. of $
line 34
Consumer credit 		Q2 2025 4,997.731 Billions of Dollars 4,965.385 Billions of Dollars 4,980.877 Billions of Dollars Bil. of $
line 35
Depository institution loans n.e.c. 		Q2 2025 270.123 Billions of Dollars 281.949 Billions of Dollars 482.576 Billions of Dollars Bil. of $
line 36
Other loans and advances 		Q2 2025 867.500 Billions of Dollars 828.519 Billions of Dollars 781.604 Billions of Dollars Bil. of $
line 37
Commercial mortgages 		Q2 2025 480.978 Billions of Dollars 478.221 Billions of Dollars 470.910 Billions of Dollars Bil. of $
line 38
Trade payables 		Q2 2025 572,614 Millions of Dollars 565,103 Millions of Dollars 542,646 Millions of Dollars Mil. of $
line 39
Deferred and unpaid life insurance premiums 		Q2 2025 42.021 Billions of Dollars 42.448 Billions of Dollars 41.020 Billions of Dollars Bil. of $
line 40
Net worth 		Q2 2025 176,292.904 Billions of Dollars 169,206.677 Billions of Dollars 166,159.502 Billions of Dollars Bil. of $
Memo:
line 41
Assets held in IRAs 		. . Billions of Dollars . Billions of Dollars . Billions of Dollars Bil. of $
line 42
Assets held in 529 college plans 		Q2 2025 567.827 Billions of Dollars 525.097 Billions of Dollars 508.287 Billions of Dollars Bil. of $
line 43
College savings plans 		Q2 2025 542.426 Billions of Dollars 500.429 Billions of Dollars 483.676 Billions of Dollars Bil. of $
line 44
Prepaid tuition plans 		Q2 2025 25.401 Billions of Dollars 24.668 Billions of Dollars 24.611 Billions of Dollars Bil. of $
Replacement-cost value of structures:
line 45
Residential 		Q2 2025 28,790,738 Millions of Dollars 28,647,598 Millions of Dollars 27,795,487 Millions of Dollars Mil. of $
line 46
Households 		Q2 2025 28,356,975 Millions of Dollars 28,215,410 Millions of Dollars 27,375,480 Millions of Dollars Mil. of $
line 47
Nonprofit organizations 		Q2 2025 433,763 Millions of Dollars 432,188 Millions of Dollars 420,007 Millions of Dollars Mil. of $
line 48
Nonresidential (nonprofits) 		Q2 2025 2,937,703 Millions of Dollars 2,936,238 Millions of Dollars 2,891,223 Millions of Dollars Mil. of $
line 49
Disposable personal income (DPI) (SAAR) 		Q2 2025 22,532.300 Billions of Dollars 22,257.732 Billions of Dollars 21,568.622 Billions of Dollars Bil. of $
line 50
Net worth/DPI (percent) (line 40/line 49) 		Q2 2025 782.40084 Percent 760.21527 Percent 770.37607 Percent %
line 51
Owners’ equity in real estate (line 4 less line 33) 		Q2 2025 35,782.770 Billions of Dollars 34,569.105 Billions of Dollars 35,607.465 Billions of Dollars Bil. of $
line 52
Owners’ equity/real estate (percent) (line 51/line 4) 		Q2 2025 72.55907 Percent 72.02829 Percent 73.01228 Percent %
   

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