Federal Reserve Economic Data

Annual

F.101 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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Please select a date range

    1946    
 
 
    2024
Millions of Dollars
Line Name 2024 Preceding
Period
Year Ago
from Period
line 1
Personal income
24,669,308 23,402,535 23,402,535
line 2
- Personal current taxes
3,035,708 2,855,735 2,855,735
line 3
= Disposable personal income
21,633,600 20,546,799 20,546,799
line 4
- Personal outlays
20,650,440 19,579,575 19,579,575
line 5
= Personal saving, NIPA
983,160 967,225 967,225
line 6
+ Government insurance and pension reserves
-1,124 -1,393 -1,393
line 7
- Contr. for govt. soc. insur., U.S.-affiliated areas
6,224 6,006 6,006
line 8
+ Net investment in consumer durables
354,666 330,130 330,130
line 9
+ Consumption of fixed capital
2,511,467 2,482,778 2,482,778
line 10
- Net capital transfers paid
-47,972 -100,348 -100,348
line 11
= Gross saving less net capital transfers paid
3,889,917 3,873,082 3,873,082
line 12
Gross investment
4,894,837 4,282,815 4,282,815
line 13
Capital expenditures
3,234,557 3,137,365 3,137,365
line 14
Consumer durable goods
1,984,984 1,962,252 1,962,252
line 15
Residential
970,948 903,606 903,606
line 16
Nonprofit nonresidential
292,231 285,124 285,124
line 17
Nonproduced nonfinancial assets
-13,605 -13,618 -13,618
line 18
Net lending (+) or net borrowing (-)
1,660,280 1,145,451 1,145,451
line 19
Net acquisition of financial assets
2,302,873 1,694,525 1,694,525
line 20
Foreign deposits
7,014 -833 -833
line 21
Checkable deposits and currency
211,394 -155,818 -155,818
line 22
Time and savings deposits
21,306 -454,164 -454,164
line 23
Money market fund shares
687,932 933,494 933,494
line 24
Debt securities
-46,127 1,190,344 1,190,344
line 25
Treasury securities
128,521 923,860 923,860
line 26
Agency- and GSE-backed securities
37,322 174,968 174,968
line 27
Municipal securities
96,291 99,146 99,146
line 28
Corporate and foreign bonds
-354,363 96,662 96,662
line 29
Loans
-7,929 -66,892 -66,892
line 30
Other loans and advances
-1,839 -66,220 -66,220
line 31
Mortgages
-5,015 -743 -743
line 32
Consumer credit (student loans)
-1,075 71 71
line 33
Corporate equities
851,105 -150,486 -150,486
line 34
Mutual fund shares
-46,808 -147,819 -147,819
line 35
Trade receivables
34,872 35,400 35,400
line 36
Life insurance reserves
62,365 25,593 25,593
line 37
Pension entitlements
393,379 405,757 405,757
line 38
Equity in noncorporate business
28,686 -8,111 -8,111
line 39
Miscellaneous assets
105,684 88,060 88,060
line 40
Net increase in liabilities
642,593 549,074 549,074
line 41
Debt securities (municipal securities)
8,146 2,205 2,205
line 42
Loans
604,397 514,838 514,838
line 43
Home mortgages
372,795 366,725 366,725
line 44
Consumer credit
100,579 130,108 130,108
line 45
Depository institution loans n.e.c.
17,738 -22,904 -22,904
line 46
Other loans and advances
105,360 25,520 25,520
line 47
Commercial mortgages
7,925 15,389 15,389
line 48
Trade payables
29,892 29,620 29,620
line 49
Deferred and unpaid life insurance premiums
158 2,411 2,411
line 50
Discrepancy
-1,004,921 -409,733 -409,733
   

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