Federal Reserve Economic Data

Quarterly

L.114 Credit Unions


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/.

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    Q4 1945    
 
 
    Q4 2024
Millions of Dollars
Line Name Period Value Preceding
Period
Year Ago
from Period
line 1
Total financial assets
Q4 2024 2,270,349 2,276,017 2,222,106
line 2
Reserves at Federal Reserve
Q4 2024 135,206 140,879 124,696
line 3
Federal funds and security repos
Q4 2024 52 53 54
line 4
Debt securities
Q4 2024 344,808 352,687 352,269
line 5
Open market paper
Q4 2024 60 140 0
line 6
Treasury securities
Q4 2024 63,011 65,181 69,580
line 7
Agency- and GSE-backed securities
Q4 2024 247,949 253,093 252,789
line 8
Municipal securities
Q4 2024 10,084 10,797 10,694
line 9
Corporate and foreign bonds
Q4 2024 23,704 23,476 19,206
line 10
Loans
Q4 2024 1,663,553 1,649,402 1,623,159
line 11
Depository institution loans n.e.c.
Q4 2024 92,934 93,941 96,494
line 12
Home mortgages
Q4 2024 756,671 744,579 716,060
line 13
Consumer credit
Q4 2024 650,106 652,181 662,595
line 14
Mutual fund shares
Q4 2024 3,450 3,412 3,954
line 15
Miscellaneous assets
. . . .
line 16
Total liabilities
Q4 2024 2,105,220 2,106,847 2,070,633
line 17
Net interbank liabilities
. . . .
line 18
Checkable deposits
Q4 2024 383,026 377,095 373,934
line 19
Time and savings deposits
Q4 2024 1,596,133 1,577,667 1,526,509
line 20
Federal funds and security repos
Q4 2024 0 0 0
line 21
Loans (other loans and advances)
Q4 2024 90,498 87,452 85,272
line 22
Miscellaneous liabilities
Q4 2024 35,563 64,633 84,918
Memo:
line 23
Uninsured deposits
Q4 2024 177,900 171,769 158,246
   

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