Annual

L.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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    1945    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Total financial assets 		2025 22,547,847 Millions of U.S. Dollars 21,634,355 Millions of U.S. Dollars 21,634,355 Millions of U.S. Dollars Mil. of U.S. $
line 2
Vault cash 		2025 85,548 Millions of U.S. Dollars 86,446 Millions of U.S. Dollars 86,446 Millions of U.S. Dollars Mil. of U.S. $
line 3
Reserves at Federal Reserve 		2025 1,691,457 Millions of U.S. Dollars 1,843,538 Millions of U.S. Dollars 1,843,538 Millions of U.S. Dollars Mil. of U.S. $
line 4
Federal funds and security repos 		2025 378,114 Millions of U.S. Dollars 337,705 Millions of U.S. Dollars 337,705 Millions of U.S. Dollars Mil. of U.S. $
line 5
Debt securities 		2025 5,639,848 Millions of U.S. Dollars 5,336,488 Millions of U.S. Dollars 5,336,488 Millions of U.S. Dollars Mil. of U.S. $
line 6
Open market paper 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 7
Treasury securities 		2025 1,744,845 Millions of U.S. Dollars 1,536,829 Millions of U.S. Dollars 1,536,829 Millions of U.S. Dollars Mil. of U.S. $
line 8
Agency- and GSE-backed securities 		2025 2,836,414 Millions of U.S. Dollars 2,748,273 Millions of U.S. Dollars 2,748,273 Millions of U.S. Dollars Mil. of U.S. $
line 9
Residential mortgage pass-through securities 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 10
Commercial mortgage pass-through securities 		2025 221,306 Millions of U.S. Dollars 197,119 Millions of U.S. Dollars 197,119 Millions of U.S. Dollars Mil. of U.S. $
line 11
Residential CMOs and other structured MBS 		2025 504,987 Millions of U.S. Dollars 463,213 Millions of U.S. Dollars 463,213 Millions of U.S. Dollars Mil. of U.S. $
line 12
Commercial CMOs and other structured MBS 		2025 128,681 Millions of U.S. Dollars 128,219 Millions of U.S. Dollars 128,219 Millions of U.S. Dollars Mil. of U.S. $
line 13
Other 		2025 117,347 Millions of U.S. Dollars 135,607 Millions of U.S. Dollars 135,607 Millions of U.S. Dollars Mil. of U.S. $
line 14
Municipal securities 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 15
Corporate and foreign bonds 		2025 696,515 Millions of U.S. Dollars 676,852 Millions of U.S. Dollars 676,852 Millions of U.S. Dollars Mil. of U.S. $
line 16
Priv. residential mortgage pass-through securities 		2025 3,306 Millions of U.S. Dollars 2,895 Millions of U.S. Dollars 2,895 Millions of U.S. Dollars Mil. of U.S. $
line 17
Priv. commercial mortgage pass-through securities 		2025 3,137 Millions of U.S. Dollars 3,041 Millions of U.S. Dollars 3,041 Millions of U.S. Dollars Mil. of U.S. $
line 18
Priv. residential CMOs and other structured MBS 		2025 50,448 Millions of U.S. Dollars 53,339 Millions of U.S. Dollars 53,339 Millions of U.S. Dollars Mil. of U.S. $
line 19
Priv. commercial CMOs and other structured MBS 		2025 42,896 Millions of U.S. Dollars 48,108 Millions of U.S. Dollars 48,108 Millions of U.S. Dollars Mil. of U.S. $
line 20
Other 		2025 596,728 Millions of U.S. Dollars 569,469 Millions of U.S. Dollars 569,469 Millions of U.S. Dollars Mil. of U.S. $
line 21
Loans 		2025 12,797,198 Millions of U.S. Dollars 12,129,749 Millions of U.S. Dollars 12,129,749 Millions of U.S. Dollars Mil. of U.S. $
line 22
Depository institution loans n.e.c. 		2025 4,612,613 Millions of U.S. Dollars 4,122,621 Millions of U.S. Dollars 4,122,621 Millions of U.S. Dollars Mil. of U.S. $
line 23
Other loans and advances 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 24
Mortgages 		2025 6,096,485 Millions of U.S. Dollars 5,971,084 Millions of U.S. Dollars 5,971,084 Millions of U.S. Dollars Mil. of U.S. $
line 25
Consumer credit 		2025 2,058,593 Millions of U.S. Dollars 2,009,529 Millions of U.S. Dollars 2,009,529 Millions of U.S. Dollars Mil. of U.S. $
line 26
Corporate equities 		2025 95,614 Millions of U.S. Dollars 79,844 Millions of U.S. Dollars 79,844 Millions of U.S. Dollars Mil. of U.S. $
line 27
Mutual fund shares 		2025 14,448 Millions of U.S. Dollars 11,302 Millions of U.S. Dollars 11,302 Millions of U.S. Dollars Mil. of U.S. $
line 28
Life insurance reserves 		2025 213,180 Millions of U.S. Dollars 207,025 Millions of U.S. Dollars 207,025 Millions of U.S. Dollars Mil. of U.S. $
line 29
U.S. direct investment abroad 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 30
Miscellaneous assets 		2025 455,606 Millions of U.S. Dollars 629,207 Millions of U.S. Dollars 629,207 Millions of U.S. Dollars Mil. of U.S. $
line 31
Total liabilities 		2025 20,730,660 Millions of U.S. Dollars 20,046,276 Millions of U.S. Dollars 20,046,276 Millions of U.S. Dollars Mil. of U.S. $
line 32
Net interbank liabilities 		2025 551,149 Millions of U.S. Dollars 517,570 Millions of U.S. Dollars 517,570 Millions of U.S. Dollars Mil. of U.S. $
line 33
Federal Reserve float 		2025 -1,094 Millions of U.S. Dollars -1,089 Millions of U.S. Dollars -1,089 Millions of U.S. Dollars Mil. of U.S. $
line 34
Borrowing from Federal Reserve banks 		2025 9,689 Millions of U.S. Dollars 8,649 Millions of U.S. Dollars 8,649 Millions of U.S. Dollars Mil. of U.S. $
line 35
To domestic banks 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 36
To foreign banks 		2025 493,914 Millions of U.S. Dollars 461,671 Millions of U.S. Dollars 461,671 Millions of U.S. Dollars Mil. of U.S. $
line 37
Checkable deposits 		2025 7,751,958 Millions of U.S. Dollars 6,424,595 Millions of U.S. Dollars 6,424,595 Millions of U.S. Dollars Mil. of U.S. $
line 38
Federal government 		2025 6,907 Millions of U.S. Dollars 6,693 Millions of U.S. Dollars 6,693 Millions of U.S. Dollars Mil. of U.S. $
line 39
Private domestic 		2025 7,194,219 Millions of U.S. Dollars 5,915,029 Millions of U.S. Dollars 5,915,029 Millions of U.S. Dollars Mil. of U.S. $
line 40
Rest of the world 		2025 118,721 Millions of U.S. Dollars 112,221 Millions of U.S. Dollars 112,221 Millions of U.S. Dollars Mil. of U.S. $
line 41
Time and savings deposits 		2025 10,446,746 Millions of U.S. Dollars 11,095,342 Millions of U.S. Dollars 11,095,342 Millions of U.S. Dollars Mil. of U.S. $
line 42
Federal funds and security repos 		2025 277,472 Millions of U.S. Dollars 261,812 Millions of U.S. Dollars 261,812 Millions of U.S. Dollars Mil. of U.S. $
line 43
Debt securities 		2025 431,826 Millions of U.S. Dollars 415,456 Millions of U.S. Dollars 415,456 Millions of U.S. Dollars Mil. of U.S. $
line 44
Open market paper 		2025 187,824 Millions of U.S. Dollars 175,977 Millions of U.S. Dollars 175,977 Millions of U.S. Dollars Mil. of U.S. $
line 45
Corporate bonds 		2025 244,002 Millions of U.S. Dollars 239,479 Millions of U.S. Dollars 239,479 Millions of U.S. Dollars Mil. of U.S. $
line 46
Loans (other loans and advances) 		2025 404,508 Millions of U.S. Dollars 474,180 Millions of U.S. Dollars 474,180 Millions of U.S. Dollars Mil. of U.S. $
line 47
Taxes payable (net) 		2025 84,351 Millions of U.S. Dollars 61,228 Millions of U.S. Dollars 61,228 Millions of U.S. Dollars Mil. of U.S. $
line 48
Miscellaneous liabilities 		2025 782,650 Millions of U.S. Dollars 796,093 Millions of U.S. Dollars 796,093 Millions of U.S. Dollars Mil. of U.S. $
line 49
Investment by holding companies 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 50
Other 		2025 547,480 Millions of U.S. Dollars 557,101 Millions of U.S. Dollars 557,101 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 51
Consumer leases not included above 		2025 11,073 Millions of U.S. Dollars 10,856 Millions of U.S. Dollars 10,856 Millions of U.S. Dollars Mil. of U.S. $
line 52
Uninsured deposits 		2025 7,747,346 Millions of U.S. Dollars 7,227,216 Millions of U.S. Dollars 7,227,216 Millions of U.S. Dollars Mil. of U.S. $
   

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