Federal Reserve Economic Data

Quarterly

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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    Q4 1946    
 
 
    Q1 2025
Line Name Q1 2025 Q4 2024 Q1 2024 Units
line 1
Personal income 		25,463,745 Millions of Dollars 25,042,276 Millions of Dollars 24,344,193 Millions of Dollars Mil. of $
line 2
- Personal current taxes 		3,187,716 Millions of Dollars 3,117,638 Millions of Dollars 2,965,619 Millions of Dollars Mil. of $
line 3
= Disposable Personal income 		22,276.029 Billions of Dollars 21,924.638 Billions of Dollars 21,378.574 Billions of Dollars Bil. of $
line 4
- Personal outlays 		21,323,124 Millions of Dollars 21,090,172 Millions of Dollars 20,230,500 Millions of Dollars Mil. of $
line 5
= Personal saving: NIPA 		952,905 Millions of Dollars 834,466 Millions of Dollars 1,148,074 Millions of Dollars Mil. of $
line 6
+ Government insurance and pension reserves 		-1,976 Millions of Dollars 64 Millions of Dollars -2,435 Millions of Dollars Mil. of $
line 7
- Contr. for govt. soc. insur.: U.S.-affiliated areas 		6,406 Millions of Dollars 6,269 Millions of Dollars 6,171 Millions of Dollars Mil. of $
line 8
+ Net investment in consumer durables 		356,815 Millions of Dollars 395,416 Millions of Dollars 340,122 Millions of Dollars Mil. of $
line 9
+ Consumption of fixed capital 		2,573,160 Millions of Dollars 2,542,826 Millions of Dollars 2,474,226 Millions of Dollars Mil. of $
line 10
- Net capital transfers paid 		-77,532 Millions of Dollars -70,967 Millions of Dollars -42,762 Millions of Dollars Mil. of $
line 11
= Gross saving less Net capital transfers paid 		3,952,030 Millions of Dollars 3,837,470 Millions of Dollars 3,996,578 Millions of Dollars Mil. of $
line 12
Gross investment 		5,325,560 Millions of Dollars 4,666,252 Millions of Dollars 4,181,462 Millions of Dollars Mil. of $
line 13
Capital expenditures 		3,312,480 Millions of Dollars 3,313,510 Millions of Dollars 3,194,930 Millions of Dollars Mil. of $
line 14
Consumer durable goods 		2,029,116 Millions of Dollars 2,044,258 Millions of Dollars 1,948,237 Millions of Dollars Mil. of $
line 15
Residential 		994,817 Millions of Dollars 988,657 Millions of Dollars 965,408 Millions of Dollars Mil. of $
line 16
Nonprofit nonresidential 		302,216 Millions of Dollars 294,089 Millions of Dollars 295,014 Millions of Dollars Mil. of $
line 17
Nonproduced nonfinancial assets 		-13,669 Millions of Dollars -13,494 Millions of Dollars -13,729 Millions of Dollars Mil. of $
line 18
Net lending (+) or net borrowing (-) 		2,013,080 Millions of Dollars 1,352,742 Millions of Dollars 986,532 Millions of Dollars Mil. of $
line 19
Net acquisition of financial assets 		2,429,257 Millions of Dollars 2,062,633 Millions of Dollars 1,621,634 Millions of Dollars Mil. of $
line 20
Foreign deposits 		7,140 Millions of Dollars 1,516 Millions of Dollars 9,504 Millions of Dollars Mil. of $
line 21
Checkable deposits and currency 		758,141 Millions of Dollars 234,152 Millions of Dollars 1,098,870 Millions of Dollars Mil. of $
line 22
Time and savings deposits 		-16,080 Millions of Dollars 15,898 Millions of Dollars -463,810 Millions of Dollars Mil. of $
line 23
Money market fund shares 		679,838 Millions of Dollars 1,097,805 Millions of Dollars 502,160 Millions of Dollars Mil. of $
line 24
Debt securities 		-731,745 Millions of Dollars -410,841 Millions of Dollars -1,257,513 Millions of Dollars Mil. of $
line 25
Treasury securities 		-321,955 Millions of Dollars 202,359 Millions of Dollars -647,767 Millions of Dollars Mil. of $
line 26
Agency- and GSE-backed securities 		-399,074 Millions of Dollars 335,894 Millions of Dollars -74,458 Millions of Dollars Mil. of $
line 27
Municipal securities 		112,168 Millions of Dollars -77,269 Millions of Dollars 136,691 Millions of Dollars Mil. of $
line 28
Corporate and foreign bonds 		-122,884 Millions of Dollars -871,825 Millions of Dollars -671,979 Millions of Dollars Mil. of $
line 29
Loans 		345,202 Millions of Dollars -123,348 Millions of Dollars 2,626 Millions of Dollars Mil. of $
line 30
Other loans and advances 		351,930 Millions of Dollars -119,940 Millions of Dollars 8,214 Millions of Dollars Mil. of $
line 31
Mortgages 		-5,196 Millions of Dollars -5,928 Millions of Dollars -3,680 Millions of Dollars Mil. of $
line 32
Consumer credit (student loans) 		-1,532 Millions of Dollars 2,520 Millions of Dollars -1,908 Millions of Dollars Mil. of $
line 33
Corporate equities 		1,171,381 Millions of Dollars 916,971 Millions of Dollars 390,144 Millions of Dollars Mil. of $
line 34
Mutual fund shares 		-306,347 Millions of Dollars -231,731 Millions of Dollars 523,601 Millions of Dollars Mil. of $
line 35
Trade receivables 		34,580 Millions of Dollars 34,872 Millions of Dollars 34,872 Millions of Dollars Mil. of $
line 36
Life insurance reserves 		39,792 Millions of Dollars 69,832 Millions of Dollars 98,484 Millions of Dollars Mil. of $
line 37
Pension entitlements 		297,436 Millions of Dollars 442,036 Millions of Dollars 410,981 Millions of Dollars Mil. of $
line 38
Equity in noncorporate business 		47,297 Millions of Dollars -56,740 Millions of Dollars 147,971 Millions of Dollars Mil. of $
line 39
Miscellaneous assets 		102,621 Millions of Dollars 72,212 Millions of Dollars 123,743 Millions of Dollars Mil. of $
line 40
Net increase in liabilities 		416,177 Millions of Dollars 709,891 Millions of Dollars 635,102 Millions of Dollars Mil. of $
line 41
Debt securities (municipal securities) 		7,260 Millions of Dollars 1,508 Millions of Dollars 9,656 Millions of Dollars Mil. of $
line 42
Loans 		367,201 Millions of Dollars 678,095 Millions of Dollars 589,186 Millions of Dollars Mil. of $
line 43
Home mortgages 		311,090 Millions of Dollars 341,262 Millions of Dollars 286,759 Millions of Dollars Mil. of $
line 44
Consumer credit 		66,887 Millions of Dollars 123,345 Millions of Dollars 100,603 Millions of Dollars Mil. of $
line 45
Depository institution loans n.e.c. 		-20,412 Millions of Dollars 41,132 Millions of Dollars 33,608 Millions of Dollars Mil. of $
line 46
Other loans and advances 		6,516 Millions of Dollars 164,460 Millions of Dollars 158,148 Millions of Dollars Mil. of $
line 47
Commercial mortgages 		3,120 Millions of Dollars 7,896 Millions of Dollars 10,068 Millions of Dollars Mil. of $
line 48
Trade payables 		30,044 Millions of Dollars 29,892 Millions of Dollars 29,892 Millions of Dollars Mil. of $
line 49
Deferred and unpaid life insurance premiums 		11,672 Millions of Dollars 396 Millions of Dollars 6,368 Millions of Dollars Mil. of $
line 50
Discrepancy 		-1,373,530 Millions of Dollars -828,782 Millions of Dollars -184,884 Millions of Dollars Mil. of $
   

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