Annual

S1M.s 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/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/
To easily map the Board series IDs to FRED series IDs, see the DDP-FRED Crosswalk available at: https://www.federalreserve.gov/data/data-download-fred-information.htm


   

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    1945    
 
 
    2025
Millions of U.S. Dollars
Line Name 2025 Preceding
Period
Year Ago
from Period
line 1
Total financial assets
142,083,262 129,483,860 129,483,860
line 2
Foreign deposits
66,298 56,562 56,562
line 3
Checkable deposits and currency
5,524,954 4,440,359 4,440,359
line 4
Time and savings deposits
9,125,387 9,767,491 9,767,491
line 5
Money market fund shares
5,187,439 4,586,119 4,586,119
line 6
Debt securities
5,878,261 5,534,629 5,534,629
line 7
Treasury securities
2,709,915 2,371,740 2,371,740
line 8
Agency- and GSE-backed securities
921,921 1,030,438 1,030,438
line 9
Municipal securities
2,052,445 1,937,420 1,937,420
line 10
Corporate and foreign bonds
193,980 195,031 195,031
line 11
Loans
930,528 886,702 886,702
line 12
Other loans and advances
856,785 801,850 801,850
line 13
Mortgages
61,985 70,276 70,276
line 14
Consumer credit (student loans)
11,758 14,576 14,576
line 15
Corporate equities
44,322,838 36,999,300 36,999,300
line 16
Mutual fund shares
13,410,400 12,187,350 12,187,350
line 17
Trade receivables
487,142 451,030 451,030
line 18
Life insurance reserves
2,168,245 2,161,913 2,161,913
line 19
Pension entitlements
34,493,042 32,582,561 32,582,561
line 20
Claims of pension fund on sponsor
3,093,896 3,759,268 3,759,268
line 21
Funded pension entitlements
31,399,146 28,823,293 28,823,293
line 22
Equity in noncorporate business
16,324,689 16,038,803 16,038,803
line 23
Miscellaneous assets
1,795,346 1,708,497 1,708,497
line 24
Total liabilities
21,504,713 20,786,322 20,786,322
line 25
Debt securities (municipal securities)
234,358 217,975 217,975
line 26
Loans
20,697,420 20,014,045 20,014,045
line 27
Home mortgages
13,788,341 13,394,548 13,394,548
line 28
Consumer credit
5,098,821 4,947,230 4,947,230
line 29
Depository institution loans n.e.c.
661,294 618,762 618,762
line 30
Other loans and advances
568,683 505,438 505,438
line 31
Commercial mortgages
580,281 548,067 548,067
line 32
Trade payables
531,976 514,772 514,772
line 33
Deferred and unpaid life insurance premiums
40,959 39,530 39,530
   

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