Federal Reserve Economic Data

Quarterly

B.101.h Balance Sheet of Households

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 186,822,737 Millions of Dollars 179,625,489 Millions of Dollars 176,629,476 Millions of Dollars Mil. of $
line 2
Nonfinancial assets 		Q2 2025 57,786,484 Millions of Dollars 56,293,249 Millions of Dollars 56,771,893 Millions of Dollars Mil. of $
line 3
Real estate 		Q2 2025 49,315.364 Billions of Dollars 47,993.791 Billions of Dollars 48,769.143 Billions of Dollars Bil. of $
line 4
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 5
Financial assets 		Q2 2025 129,036,253 Millions of Dollars 123,332,240 Millions of Dollars 119,857,583 Millions of Dollars Mil. of $
line 6
Checkable deposits and currency 		Q2 2025 4,466,552 Millions of Dollars 4,469,602 Millions of Dollars 4,128,490 Millions of Dollars Mil. of $
line 7
Time deposits and short-term investments 		Q2 2025 9,471,601 Millions of Dollars 9,498,390 Millions of Dollars 9,324,672 Millions of Dollars Mil. of $
line 8
Money market fund shares 		Q2 2025 4,653,827 Millions of Dollars 4,598,994 Millions of Dollars 4,003,909 Millions of Dollars Mil. of $
line 9
Debt securities 		Q2 2025 5,518,121 Millions of Dollars 5,426,632 Millions of Dollars 5,247,109 Millions of Dollars Mil. of $
line 10
U.S. government and municipal securities 		Q2 2025 5,518,121 Millions of Dollars 5,426,632 Millions of Dollars 5,247,109 Millions of Dollars Mil. of $
line 11
Corporate and foreign bonds 		Q2 2025 0 Millions of Dollars 0 Millions of Dollars 0 Millions of Dollars Mil. of $
line 12
Loans 		Q2 2025 923,722 Millions of Dollars 937,835 Millions of Dollars 1,063,777 Millions of Dollars Mil. of $
line 13
Other loans and advances 		Q2 2025 684.365 Billions of Dollars 694.947 Billions of Dollars 808.482 Billions of Dollars Bil. of $
line 14
Mortgages 		Q2 2025 66,507 Millions of Dollars 67,599 Millions of Dollars 71,120 Millions of Dollars Mil. of $
line 15
Corporate equities and mutual fund shares 		Q2 2025 51,186,477 Millions of Dollars 46,723,661 Millions of Dollars 45,057,258 Millions of Dollars Mil. of $
line 16
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 17
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 18
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 19
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 20
Liabilities 		Q2 2025 19,562,029 Millions of Dollars 19,397,693 Millions of Dollars 19,310,463 Millions of Dollars Mil. of $
line 21
Loans 		Q2 2025 19,520,008 Millions of Dollars 19,355,245 Millions of Dollars 19,269,443 Millions of Dollars Mil. of $
line 22
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 23
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 24
Depository institution loans n.e.c. 		Q2 2025 122,183 Millions of Dollars 136,655 Millions of Dollars 345,284 Millions of Dollars Mil. of $
line 25
Other loans and advances 		Q2 2025 867,500 Millions of Dollars 828,519 Millions of Dollars 781,604 Millions of Dollars Mil. of $
line 26
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 27
Net worth 		Q2 2025 167,260,708 Millions of Dollars 160,227,796 Millions of Dollars 157,319,013 Millions of Dollars Mil. of $
Memo:
Reconciliation with household and
nonprofit organization sector net worth:
line 28
Household and nonprofit net worth (B.101, line 40) 		Q2 2025 176,292.904 Billions of Dollars 169,206.677 Billions of Dollars 166,159.502 Billions of Dollars Bil. of $
line 29
Household and nonprofit total assets (B.101, line 1) 		Q2 2025 197,279.525 Billions of Dollars 190,010.236 Billions of Dollars 186,833.648 Billions of Dollars Bil. of $
line 30
Household total assets (B.101.h, line 1) 		Q2 2025 186,822,737 Millions of Dollars 179,625,489 Millions of Dollars 176,629,476 Millions of Dollars Mil. of $
line 31
Nonprofit total assets (B.101.n, line 1) 		Q2 2025 14,118,799 Millions of Dollars 13,971,147 Millions of Dollars 13,565,356 Millions of Dollars Mil. of $
line 32
Less: Nonprofit misc. assets (B.101.n, line 19) 		Q2 2025 3,782,086 Millions of Dollars 3,701,236 Millions of Dollars 3,459,675 Millions of Dollars Mil. of $
line 33
Less: Nonprofit other notes and loans receivable 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 34
Less: Household and nonprofit liabilities (B.101, line 30) 		Q2 2025 20,986.621 Billions of Dollars 20,803.559 Billions of Dollars 20,674.146 Billions of Dollars Bil. of $
line 35
Household liabilities (B.101.h, line 20) 		Q2 2025 19,562,029 Millions of Dollars 19,397,693 Millions of Dollars 19,310,463 Millions of Dollars Mil. of $
line 36
Nonprofit liabilities (B.101.n, line 20) 		Q2 2025 2,794,920 Millions of Dollars 2,760,773 Millions of Dollars 2,659,678 Millions of Dollars Mil. of $
line 37
Less: Nonprofit misc. liabilities (B.101.n, line 27) 		Q2 2025 1,370,328 Millions of Dollars 1,354,907 Millions of Dollars 1,295,995 Millions of Dollars Mil. of $
   

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