Quarterly

F.111 U.S.-Chartered 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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    Q4 1946    
 
 
    Q3 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving less net capital transfers paid 		Q3 2025 129,302 Millions of U.S. Dollars 124,548 Millions of U.S. Dollars 112,749 Millions of U.S. Dollars Mil. of U.S. $
line 2
Fixed nonresidential investment 		Q3 2025 110,666 Millions of U.S. Dollars 102,683 Millions of U.S. Dollars 85,436 Millions of U.S. Dollars Mil. of U.S. $
line 3
Net acquisition of financial assets 		Q3 2025 284,669 Millions of U.S. Dollars 964,430 Millions of U.S. Dollars 374,811 Millions of U.S. Dollars Mil. of U.S. $
line 4
Vault cash 		Q3 2025 9,472 Millions of U.S. Dollars -2,904 Millions of U.S. Dollars -1,616 Millions of U.S. Dollars Mil. of U.S. $
line 5
Reserves at Federal Reserve 		Q3 2025 -395,256 Millions of U.S. Dollars -349,720 Millions of U.S. Dollars -250,256 Millions of U.S. Dollars Mil. of U.S. $
line 6
Federal funds and security repos 		Q3 2025 -131,676 Millions of U.S. Dollars 164,772 Millions of U.S. Dollars 300,024 Millions of U.S. Dollars Mil. of U.S. $
line 7
Debt securities 		Q3 2025 222,364 Millions of U.S. Dollars 237,376 Millions of U.S. Dollars 248,124 Millions of U.S. Dollars Mil. of U.S. $
line 8
Open market paper 		Q3 2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 9
Treasury securities 		Q3 2025 331,132 Millions of U.S. Dollars 345,224 Millions of U.S. Dollars 170,224 Millions of U.S. Dollars Mil. of U.S. $
line 10
Agency- and GSE-backed securities 		Q3 2025 -71,632 Millions of U.S. Dollars -49,748 Millions of U.S. Dollars 59,292 Millions of U.S. Dollars Mil. of U.S. $
line 11
Residential mortgage pass-through securities 		Q3 2025 -75,012 Millions of U.S. Dollars -65,736 Millions of U.S. Dollars 62,500 Millions of U.S. Dollars Mil. of U.S. $
line 12
Commercial mortgage pass-through securities 		Q3 2025 16,332 Millions of U.S. Dollars 6,916 Millions of U.S. Dollars 14,892 Millions of U.S. Dollars Mil. of U.S. $
line 13
Residential CMOs and other structured MBS 		Q3 2025 22,928 Millions of U.S. Dollars 32,616 Millions of U.S. Dollars 22,192 Millions of U.S. Dollars Mil. of U.S. $
line 14
Commercial CMOs and other structured MBS 		Q3 2025 -13,368 Millions of U.S. Dollars -4,500 Millions of U.S. Dollars -4,452 Millions of U.S. Dollars Mil. of U.S. $
line 15
Other 		Q3 2025 -22,512 Millions of U.S. Dollars -14,208 Millions of U.S. Dollars -27,360 Millions of U.S. Dollars Mil. of U.S. $
line 16
Municipal securities 		Q3 2025 -7,032 Millions of U.S. Dollars 8,976 Millions of U.S. Dollars -36,128 Millions of U.S. Dollars Mil. of U.S. $
line 17
Corporate and foreign bonds 		Q3 2025 -24,116 Millions of U.S. Dollars -52,180 Millions of U.S. Dollars 48,036 Millions of U.S. Dollars Mil. of U.S. $
line 18
Private residential mortgage pass-through securities 		Q3 2025 76 Millions of U.S. Dollars 312 Millions of U.S. Dollars 684 Millions of U.S. Dollars Mil. of U.S. $
line 19
Private commercial mortgage pass-through securities 		Q3 2025 -80 Millions of U.S. Dollars -472 Millions of U.S. Dollars -244 Millions of U.S. Dollars Mil. of U.S. $
line 20
Private residential CMOs and other structured MBS 		Q3 2025 -7,572 Millions of U.S. Dollars -1,096 Millions of U.S. Dollars 1,068 Millions of U.S. Dollars Mil. of U.S. $
line 21
Private commercial CMOs and other structured MBS 		Q3 2025 -8,284 Millions of U.S. Dollars -4,336 Millions of U.S. Dollars -2,324 Millions of U.S. Dollars Mil. of U.S. $
line 22
Other 		Q3 2025 -8,256 Millions of U.S. Dollars -46,588 Millions of U.S. Dollars 48,852 Millions of U.S. Dollars Mil. of U.S. $
line 23
Loans 		Q3 2025 513,334 Millions of U.S. Dollars 817,148 Millions of U.S. Dollars 207,934 Millions of U.S. Dollars Mil. of U.S. $
line 24
Depository institution loans n.e.c. 		Q3 2025 322,148 Millions of U.S. Dollars 594,097 Millions of U.S. Dollars 75,590 Millions of U.S. Dollars Mil. of U.S. $
line 25
Other loans and advances 		Q3 2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 26
Mortgages 		Q3 2025 135,608 Millions of U.S. Dollars 151,988 Millions of U.S. Dollars 88,400 Millions of U.S. Dollars Mil. of U.S. $
line 27
Consumer credit 		Q3 2025 64,470 Millions of U.S. Dollars 64,747 Millions of U.S. Dollars 30,796 Millions of U.S. Dollars Mil. of U.S. $
line 28
Corporate equities 		Q3 2025 5,476 Millions of U.S. Dollars -2,240 Millions of U.S. Dollars 3,076 Millions of U.S. Dollars Mil. of U.S. $
line 29
Mutual fund shares 		Q3 2025 2,168 Millions of U.S. Dollars 2,780 Millions of U.S. Dollars -19,876 Millions of U.S. Dollars Mil. of U.S. $
line 30
Life insurance reserves 		Q3 2025 6,248 Millions of U.S. Dollars 6,784 Millions of U.S. Dollars 7,116 Millions of U.S. Dollars Mil. of U.S. $
line 31
U.S. direct investment abroad 		Q3 2025 25,555 Millions of U.S. Dollars 14,688 Millions of U.S. Dollars -23,796 Millions of U.S. Dollars Mil. of U.S. $
line 32
Miscellaneous assets 		Q3 2025 -93,889 Millions of U.S. Dollars 212,930 Millions of U.S. Dollars -91,591 Millions of U.S. Dollars Mil. of U.S. $
line 33
Net increase in liabilities 		Q3 2025 31,423 Millions of U.S. Dollars 1,001,056 Millions of U.S. Dollars 260,941 Millions of U.S. Dollars Mil. of U.S. $
line 34
Net interbank liabilities 		Q3 2025 6,767 Millions of U.S. Dollars -174,694 Millions of U.S. Dollars -233,027 Millions of U.S. Dollars Mil. of U.S. $
line 35
Federal Reserve float 		Q3 2025 -60 Millions of U.S. Dollars 112 Millions of U.S. Dollars -152 Millions of U.S. Dollars Mil. of U.S. $
line 36
Borrowing from Federal Reserve banks 		Q3 2025 -1,816 Millions of U.S. Dollars 19,456 Millions of U.S. Dollars -140,648 Millions of U.S. Dollars Mil. of U.S. $
line 37
To domestic banking 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 38
To foreign banks 		Q3 2025 -50,088 Millions of U.S. Dollars 37,280 Millions of U.S. Dollars -173,760 Millions of U.S. Dollars Mil. of U.S. $
line 39
Checkable deposits 		Q3 2025 143,963 Millions of U.S. Dollars 721,934 Millions of U.S. Dollars 439,547 Millions of U.S. Dollars Mil. of U.S. $
line 40
Federal government 		Q3 2025 2,391 Millions of U.S. Dollars -485 Millions of U.S. Dollars 983 Millions of U.S. Dollars Mil. of U.S. $
line 41
Private domestic 		Q3 2025 106,356 Millions of U.S. Dollars 683,207 Millions of U.S. Dollars 364,980 Millions of U.S. Dollars Mil. of U.S. $
line 42
Rest of the world 		Q3 2025 26,284 Millions of U.S. Dollars 43,172 Millions of U.S. Dollars 62,764 Millions of U.S. Dollars Mil. of U.S. $
line 43
Time and savings deposits 		Q3 2025 101,817 Millions of U.S. Dollars 270,400 Millions of U.S. Dollars 215,964 Millions of U.S. Dollars Mil. of U.S. $
line 44
Federal funds and security repos 		Q3 2025 -122,856 Millions of U.S. Dollars 195,476 Millions of U.S. Dollars -344 Millions of U.S. Dollars Mil. of U.S. $
line 45
Debt securities 		Q3 2025 -136,688 Millions of U.S. Dollars 175,208 Millions of U.S. Dollars 57,704 Millions of U.S. Dollars Mil. of U.S. $
line 46
Open market paper 		Q3 2025 -63,676 Millions of U.S. Dollars 99,256 Millions of U.S. Dollars 26,612 Millions of U.S. Dollars Mil. of U.S. $
line 47
Corporate bonds 		Q3 2025 -73,012 Millions of U.S. Dollars 75,952 Millions of U.S. Dollars 31,092 Millions of U.S. Dollars Mil. of U.S. $
line 48
Loans (other loans and advances) 		Q3 2025 -184,876 Millions of U.S. Dollars -3,712 Millions of U.S. Dollars -136,478 Millions of U.S. Dollars Mil. of U.S. $
line 49
Corporate equity issues 		Q3 2025 2,712 Millions of U.S. Dollars 2,248 Millions of U.S. Dollars 3,288 Millions of U.S. Dollars Mil. of U.S. $
line 50
Taxes payable (net) 		Q3 2025 79,463 Millions of U.S. Dollars 28,512 Millions of U.S. Dollars 105,220 Millions of U.S. Dollars Mil. of U.S. $
line 51
Miscellaneous liabilities 		Q3 2025 143,833 Millions of U.S. Dollars -212,068 Millions of U.S. Dollars -187,645 Millions of U.S. Dollars Mil. of U.S. $
line 52
Investment by holding companies 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 53
Other 		Q3 2025 109,405 Millions of U.S. Dollars -137,508 Millions of U.S. Dollars -174,981 Millions of U.S. Dollars Mil. of U.S. $
line 54
Discrepancy 		Q3 2025 -83,806 Millions of U.S. Dollars 315,351 Millions of U.S. Dollars 198,971 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 55
Consumer leases not included above 		Q3 2025 80 Millions of U.S. Dollars 52 Millions of U.S. Dollars 176 Millions of U.S. Dollars Mil. of U.S. $
line 56
Uninsured deposits 		Q3 2025 338,200 Millions of U.S. Dollars 719,250 Millions of U.S. Dollars 760,571 Millions of U.S. Dollars Mil. of U.S. $
   

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