Annual

F.110 Private Depository Institutions

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    
 
 
    2024
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving less net capital transfers paid 		2024 167,012 Millions of U.S. Dollars 155,265 Millions of U.S. Dollars 155,265 Millions of U.S. Dollars Mil. of U.S. $
line 2
Fixed nonresidential investment 		2024 109,617 Millions of U.S. Dollars 99,811 Millions of U.S. Dollars 99,811 Millions of U.S. Dollars Mil. of U.S. $
line 3
Net lending (+) or net borrowing (-) 		2024 -91,530 Millions of U.S. Dollars -85,371 Millions of U.S. Dollars -85,371 Millions of U.S. Dollars Mil. of U.S. $
line 4
Net acquisition of financial assets 		2024 204,439 Millions of U.S. Dollars 488,193 Millions of U.S. Dollars 488,193 Millions of U.S. Dollars Mil. of U.S. $
line 5
Vault cash 		2024 2,690 Millions of U.S. Dollars -2,950 Millions of U.S. Dollars -2,950 Millions of U.S. Dollars Mil. of U.S. $
line 6
Reserves at Federal Reserve 		2024 -242,396 Millions of U.S. Dollars 449,945 Millions of U.S. Dollars 449,945 Millions of U.S. Dollars Mil. of U.S. $
line 7
Federal funds and security repos 		2024 41,564 Millions of U.S. Dollars 60,681 Millions of U.S. Dollars 60,681 Millions of U.S. Dollars Mil. of U.S. $
line 8
Debt securities 		2024 126,817 Millions of U.S. Dollars -444,339 Millions of U.S. Dollars -444,339 Millions of U.S. Dollars Mil. of U.S. $
line 9
Open market paper 		2024 60 Millions of U.S. Dollars -79 Millions of U.S. Dollars -79 Millions of U.S. Dollars Mil. of U.S. $
line 10
Treasury securities 		2024 197,359 Millions of U.S. Dollars -100,111 Millions of U.S. Dollars -100,111 Millions of U.S. Dollars Mil. of U.S. $
line 11
Agency- and GSE-backed securities 		2024 -10,289 Millions of U.S. Dollars -201,024 Millions of U.S. Dollars -201,024 Millions of U.S. Dollars Mil. of U.S. $
line 12
Municipal securities 		2024 -36,329 Millions of U.S. Dollars -57,643 Millions of U.S. Dollars -57,643 Millions of U.S. Dollars Mil. of U.S. $
line 13
Corporate and foreign bonds 		2024 -23,984 Millions of U.S. Dollars -85,482 Millions of U.S. Dollars -85,482 Millions of U.S. Dollars Mil. of U.S. $
line 14
Loans 		2024 395,396 Millions of U.S. Dollars 422,348 Millions of U.S. Dollars 422,348 Millions of U.S. Dollars Mil. of U.S. $
line 15
Depository institution loans n.e.c. 		2024 215,901 Millions of U.S. Dollars 42,302 Millions of U.S. Dollars 42,302 Millions of U.S. Dollars Mil. of U.S. $
line 16
Other loans and advances 		2024 6,558 Millions of U.S. Dollars 5,068 Millions of U.S. Dollars 5,068 Millions of U.S. Dollars Mil. of U.S. $
line 17
Mortgages 		2024 138,263 Millions of U.S. Dollars 277,647 Millions of U.S. Dollars 277,647 Millions of U.S. Dollars Mil. of U.S. $
line 18
Consumer credit 		2024 34,674 Millions of U.S. Dollars 97,331 Millions of U.S. Dollars 97,331 Millions of U.S. Dollars Mil. of U.S. $
line 19
Corporate equities 		2024 11,699 Millions of U.S. Dollars 2,536 Millions of U.S. Dollars 2,536 Millions of U.S. Dollars Mil. of U.S. $
line 20
Mutual fund shares 		2024 -1,506 Millions of U.S. Dollars -1,854 Millions of U.S. Dollars -1,854 Millions of U.S. Dollars Mil. of U.S. $
line 21
Life insurance reserves 		2024 4,338 Millions of U.S. Dollars -2,012 Millions of U.S. Dollars -2,012 Millions of U.S. Dollars Mil. of U.S. $
line 22
U.S. direct investment abroad 		2024 7,717 Millions of U.S. Dollars -706 Millions of U.S. Dollars -706 Millions of U.S. Dollars Mil. of U.S. $
line 23
Miscellaneous assets 		2024 -37,184 Millions of U.S. Dollars -38,811 Millions of U.S. Dollars -38,811 Millions of U.S. Dollars Mil. of U.S. $
line 24
Net increase in liabilities 		2024 195,011 Millions of U.S. Dollars 453,039 Millions of U.S. Dollars 453,039 Millions of U.S. Dollars Mil. of U.S. $
line 25
Net interbank liabilities 		2024 -177,911 Millions of U.S. Dollars 339,470 Millions of U.S. Dollars 339,470 Millions of U.S. Dollars Mil. of U.S. $
line 26
Checkable deposits 		2024 546,295 Millions of U.S. Dollars -239,958 Millions of U.S. Dollars -239,958 Millions of U.S. Dollars Mil. of U.S. $
line 27
Time and savings deposits 		2024 32,178 Millions of U.S. Dollars -149,180 Millions of U.S. Dollars -149,180 Millions of U.S. Dollars Mil. of U.S. $
line 28
Federal funds and security repos 		2024 -97,505 Millions of U.S. Dollars 146,148 Millions of U.S. Dollars 146,148 Millions of U.S. Dollars Mil. of U.S. $
line 29
Debt securities 		2024 -134 Millions of U.S. Dollars 35,577 Millions of U.S. Dollars 35,577 Millions of U.S. Dollars Mil. of U.S. $
line 30
Open market paper 		2024 14,842 Millions of U.S. Dollars 41,063 Millions of U.S. Dollars 41,063 Millions of U.S. Dollars Mil. of U.S. $
line 31
Corporate bonds 		2024 -14,976 Millions of U.S. Dollars -5,486 Millions of U.S. Dollars -5,486 Millions of U.S. Dollars Mil. of U.S. $
line 32
Loans (other loans and advances) 		2024 -76,003 Millions of U.S. Dollars -38,533 Millions of U.S. Dollars -38,533 Millions of U.S. Dollars Mil. of U.S. $
line 33
Corporate equity issues 		2024 -12,543 Millions of U.S. Dollars -8,511 Millions of U.S. Dollars -8,511 Millions of U.S. Dollars Mil. of U.S. $
line 34
Taxes payable (net) 		2024 4,618 Millions of U.S. Dollars 26,398 Millions of U.S. Dollars 26,398 Millions of U.S. Dollars Mil. of U.S. $
line 35
Foreign direct investment in U.S. 		2024 14,576 Millions of U.S. Dollars 11,584 Millions of U.S. Dollars 11,584 Millions of U.S. Dollars Mil. of U.S. $
line 36
Miscellaneous liabilities 		2024 -36,607 Millions of U.S. Dollars 334,436 Millions of U.S. Dollars 334,436 Millions of U.S. Dollars Mil. of U.S. $
line 37
Investment by holding companies 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 38
Investment by funding corporations 		2024 -16,474 Millions of U.S. Dollars 6,209 Millions of U.S. Dollars 6,209 Millions of U.S. Dollars Mil. of U.S. $
line 39
Other 		2024 -38,569 Millions of U.S. Dollars 267,255 Millions of U.S. Dollars 267,255 Millions of U.S. Dollars Mil. of U.S. $
line 40
Discrepancy 		2024 148,925 Millions of U.S. Dollars 140,826 Millions of U.S. Dollars 140,826 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 41
Consumer leases not included above 		2024 935 Millions of U.S. Dollars -978 Millions of U.S. Dollars -978 Millions of U.S. Dollars Mil. of U.S. $
line 42
Uninsured deposits 		2024 493,335 Millions of U.S. Dollars -946,484 Millions of U.S. Dollars -946,484 Millions of U.S. Dollars Mil. of U.S. $
   

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