Annual

F.108 Domestic Financial Sectors

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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    1946    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving less net capital transfers paid 		2025 688,556 Millions of U.S. Dollars 555,690 Millions of U.S. Dollars 555,690 Millions of U.S. Dollars Mil. of U.S. $
line 2
Gross investment 		2025 934,306 Millions of U.S. Dollars 590,183 Millions of U.S. Dollars 590,183 Millions of U.S. Dollars Mil. of U.S. $
line 3
Capital expenditures 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 4
Fixed residential investment 		2025 4,338 Millions of U.S. Dollars -3,064 Millions of U.S. Dollars -3,064 Millions of U.S. Dollars Mil. of U.S. $
line 5
Fixed nonresidential investment 		2025 443,322 Millions of U.S. Dollars 394,000 Millions of U.S. Dollars 394,000 Millions of U.S. Dollars Mil. of U.S. $
line 6
Net lending (+) or net borrowing (-) 		2025 490,984 Millions of U.S. Dollars 196,183 Millions of U.S. Dollars 196,183 Millions of U.S. Dollars Mil. of U.S. $
line 7
Net acqisition of financial assets 		2025 5,600,435 Millions of U.S. Dollars 3,254,357 Millions of U.S. Dollars 3,254,357 Millions of U.S. Dollars Mil. of U.S. $
line 8
U.S. official reserve assets 		2025 311 Millions of U.S. Dollars 246 Millions of U.S. Dollars 246 Millions of U.S. Dollars Mil. of U.S. $
line 9
SDR certificates 		2025 0 Millions of U.S. Dollars 10,000 Millions of U.S. Dollars 10,000 Millions of U.S. Dollars Mil. of U.S. $
line 10
Treasury currency 		2025 3 Millions of U.S. Dollars 55 Millions of U.S. Dollars 55 Millions of U.S. Dollars Mil. of U.S. $
line 11
Foreign deposits 		2025 -3,716 Millions of U.S. Dollars -1,705 Millions of U.S. Dollars -1,705 Millions of U.S. Dollars Mil. of U.S. $
line 12
Net interbank assets 		2025 136,530 Millions of U.S. Dollars -471,834 Millions of U.S. Dollars -471,834 Millions of U.S. Dollars Mil. of U.S. $
line 13
Checkable deposits and currency 		2025 82,556 Millions of U.S. Dollars 36,658 Millions of U.S. Dollars 36,658 Millions of U.S. Dollars Mil. of U.S. $
line 14
Time and savings deposits 		2025 6,866 Millions of U.S. Dollars -4,852 Millions of U.S. Dollars -4,852 Millions of U.S. Dollars Mil. of U.S. $
line 15
Money market fund shares 		2025 153,974 Millions of U.S. Dollars 86,083 Millions of U.S. Dollars 86,083 Millions of U.S. Dollars Mil. of U.S. $
line 16
Federal funds and security repos 		2025 864,102 Millions of U.S. Dollars 129,311 Millions of U.S. Dollars 129,311 Millions of U.S. Dollars Mil. of U.S. $
line 17
Debt securities 		2025 2,282,889 Millions of U.S. Dollars 1,888,763 Millions of U.S. Dollars 1,888,763 Millions of U.S. Dollars Mil. of U.S. $
line 18
Open market paper 		2025 90,781 Millions of U.S. Dollars -5,450 Millions of U.S. Dollars -5,450 Millions of U.S. Dollars Mil. of U.S. $
line 19
Treasury securities 		2025 1,092,966 Millions of U.S. Dollars 1,056,063 Millions of U.S. Dollars 1,056,063 Millions of U.S. Dollars Mil. of U.S. $
line 20
Agency- and GSE-backed securities 		2025 274,817 Millions of U.S. Dollars 131,742 Millions of U.S. Dollars 131,742 Millions of U.S. Dollars Mil. of U.S. $
line 21
Municipal securities 		2025 80,876 Millions of U.S. Dollars 16,022 Millions of U.S. Dollars 16,022 Millions of U.S. Dollars Mil. of U.S. $
line 22
Corporate and foreign bonds 		2025 743,449 Millions of U.S. Dollars 690,386 Millions of U.S. Dollars 690,386 Millions of U.S. Dollars Mil. of U.S. $
line 23
Loans 		2025 1,917,654 Millions of U.S. Dollars 1,226,476 Millions of U.S. Dollars 1,226,476 Millions of U.S. Dollars Mil. of U.S. $
line 24
Depository institution loans n.e.c. 		2025 583,503 Millions of U.S. Dollars 211,480 Millions of U.S. Dollars 211,480 Millions of U.S. Dollars Mil. of U.S. $
line 25
Other loans and advances 		2025 595,083 Millions of U.S. Dollars 405,597 Millions of U.S. Dollars 405,597 Millions of U.S. Dollars Mil. of U.S. $
line 26
Mortgages 		2025 681,967 Millions of U.S. Dollars 565,832 Millions of U.S. Dollars 565,832 Millions of U.S. Dollars Mil. of U.S. $
line 27
Consumer credit 		2025 49,938 Millions of U.S. Dollars 46,280 Millions of U.S. Dollars 46,280 Millions of U.S. Dollars Mil. of U.S. $
line 28
Corporate equities 		2025 -213,159 Millions of U.S. Dollars -79,387 Millions of U.S. Dollars -79,387 Millions of U.S. Dollars Mil. of U.S. $
line 29
Mutual fund shares 		2025 -638,750 Millions of U.S. Dollars -316,599 Millions of U.S. Dollars -316,599 Millions of U.S. Dollars Mil. of U.S. $
line 30
Trade receivables 		2025 14,039 Millions of U.S. Dollars 4,570 Millions of U.S. Dollars 4,570 Millions of U.S. Dollars Mil. of U.S. $
line 31
Life insurance reserves 		2025 6,026 Millions of U.S. Dollars 4,197 Millions of U.S. Dollars 4,197 Millions of U.S. Dollars Mil. of U.S. $
line 32
Pension entitlements 		2025 -11,555 Millions of U.S. Dollars 129,604 Millions of U.S. Dollars 129,604 Millions of U.S. Dollars Mil. of U.S. $
line 33
U.S. direct investment abroad 		2025 1,946 Millions of U.S. Dollars 69,635 Millions of U.S. Dollars 69,635 Millions of U.S. Dollars Mil. of U.S. $
line 34
Miscellaneous assets 		2025 928,924 Millions of U.S. Dollars 490,956 Millions of U.S. Dollars 490,956 Millions of U.S. Dollars Mil. of U.S. $
line 35
Net increase in liabilities 		2025 3,717,464 Millions of U.S. Dollars 1,924,687 Millions of U.S. Dollars 1,924,687 Millions of U.S. Dollars Mil. of U.S. $
line 36
Net interbank liabilities 		2025 197,145 Millions of U.S. Dollars -420,702 Millions of U.S. Dollars -420,702 Millions of U.S. Dollars Mil. of U.S. $
line 37
Checkable deposits and currency 		2025 1,690,304 Millions of U.S. Dollars 525,964 Millions of U.S. Dollars 525,964 Millions of U.S. Dollars Mil. of U.S. $
line 38
Time and savings deposits 		2025 -537,052 Millions of U.S. Dollars 32,570 Millions of U.S. Dollars 32,570 Millions of U.S. Dollars Mil. of U.S. $
line 39
Money market fund shares 		2025 947,055 Millions of U.S. Dollars 885,629 Millions of U.S. Dollars 885,629 Millions of U.S. Dollars Mil. of U.S. $
line 40
Federal funds and security repos 		2025 195,540 Millions of U.S. Dollars -342,993 Millions of U.S. Dollars -342,993 Millions of U.S. Dollars Mil. of U.S. $
line 41
Debt securities 		2025 595,510 Millions of U.S. Dollars 563,939 Millions of U.S. Dollars 563,939 Millions of U.S. Dollars Mil. of U.S. $
line 42
Open market paper 		2025 108,757 Millions of U.S. Dollars 36,745 Millions of U.S. Dollars 36,745 Millions of U.S. Dollars Mil. of U.S. $
line 43
Agency- and GSE-backed securities 		2025 211,763 Millions of U.S. Dollars 298,324 Millions of U.S. Dollars 298,324 Millions of U.S. Dollars Mil. of U.S. $
line 44
Corporate and foreign bonds 		2025 274,990 Millions of U.S. Dollars 228,870 Millions of U.S. Dollars 228,870 Millions of U.S. Dollars Mil. of U.S. $
line 45
Loans 		2025 230,643 Millions of U.S. Dollars 15,700 Millions of U.S. Dollars 15,700 Millions of U.S. Dollars Mil. of U.S. $
line 46
Depository institution loans n.e.c. 		2025 114,742 Millions of U.S. Dollars 30,377 Millions of U.S. Dollars 30,377 Millions of U.S. Dollars Mil. of U.S. $
line 47
Other loans and advances 		2025 122,703 Millions of U.S. Dollars -12,468 Millions of U.S. Dollars -12,468 Millions of U.S. Dollars Mil. of U.S. $
line 48
Mortgages 		2025 -18,598 Millions of U.S. Dollars -6,058 Millions of U.S. Dollars -6,058 Millions of U.S. Dollars Mil. of U.S. $
line 49
Corporate equities 		2025 1,279,788 Millions of U.S. Dollars 993,080 Millions of U.S. Dollars 993,080 Millions of U.S. Dollars Mil. of U.S. $
line 50
Mutual fund shares 		2025 -787,748 Millions of U.S. Dollars -168,803 Millions of U.S. Dollars -168,803 Millions of U.S. Dollars Mil. of U.S. $
line 51
Trade payables 		2025 -9,319 Millions of U.S. Dollars 105,752 Millions of U.S. Dollars 105,752 Millions of U.S. Dollars Mil. of U.S. $
line 52
Life insurance reserves 		2025 1,561 Millions of U.S. Dollars 65,486 Millions of U.S. Dollars 65,486 Millions of U.S. Dollars Mil. of U.S. $
line 53
Pension entitlements 		2025 325,640 Millions of U.S. Dollars 447,593 Millions of U.S. Dollars 447,593 Millions of U.S. Dollars Mil. of U.S. $
line 54
Taxes payable 		2025 23,978 Millions of U.S. Dollars 4,646 Millions of U.S. Dollars 4,646 Millions of U.S. Dollars Mil. of U.S. $
line 55
Equity in noncorporate business 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 56
Foreign direct investment in U.S. 		2025 18,920 Millions of U.S. Dollars 36,751 Millions of U.S. Dollars 36,751 Millions of U.S. Dollars Mil. of U.S. $
line 57
Miscellaneous liabilities 		2025 861,548 Millions of U.S. Dollars 228,190 Millions of U.S. Dollars 228,190 Millions of U.S. Dollars Mil. of U.S. $
line 58
Discrepancy 		2025 -245,750 Millions of U.S. Dollars -34,493 Millions of U.S. Dollars -34,493 Millions of U.S. Dollars Mil. of U.S. $
   

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