Annual

F.205 Time and Savings Deposits

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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    1946    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Net change in liabilities 		2025 -537,092 Millions of U.S. Dollars 32,570 Millions of U.S. Dollars 32,570 Millions of U.S. Dollars Mil. of U.S. $
line 2
U.S.-chartered depository institutions 		2025 -648,596 Millions of U.S. Dollars -74,516 Millions of U.S. Dollars -74,516 Millions of U.S. Dollars Mil. of U.S. $
line 3
Foreign banking offices in U.S. 		2025 35,512 Millions of U.S. Dollars 42,477 Millions of U.S. Dollars 42,477 Millions of U.S. Dollars Mil. of U.S. $
line 4
Banks in U.S.-affiliated areas 		2025 1,198 Millions of U.S. Dollars -5,040 Millions of U.S. Dollars -5,040 Millions of U.S. Dollars Mil. of U.S. $
line 5
Credit unions 		2025 74,794 Millions of U.S. Dollars 69,649 Millions of U.S. Dollars 69,649 Millions of U.S. Dollars Mil. of U.S. $
line 6
Net change in assets 		2025 -537,092 Millions of U.S. Dollars 32,570 Millions of U.S. Dollars 32,570 Millions of U.S. Dollars Mil. of U.S. $
line 7
Household sector 		2025 -600,252 Millions of U.S. Dollars -39,514 Millions of U.S. Dollars -39,514 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial business 		2025 24,794 Millions of U.S. Dollars 20,990 Millions of U.S. Dollars 20,990 Millions of U.S. Dollars Mil. of U.S. $
line 9
Corporate 		2025 -16,726 Millions of U.S. Dollars -15,523 Millions of U.S. Dollars -15,523 Millions of U.S. Dollars Mil. of U.S. $
line 10
Noncorporate 		2025 41,520 Millions of U.S. Dollars 36,513 Millions of U.S. Dollars 36,513 Millions of U.S. Dollars Mil. of U.S. $
line 11
Federal government 		2025 -161 Millions of U.S. Dollars 257 Millions of U.S. Dollars 257 Millions of U.S. Dollars Mil. of U.S. $
line 12
State and local governments 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 13
Domestic financial sectors 		2025 11,624 Millions of U.S. Dollars -4,856 Millions of U.S. Dollars -4,856 Millions of U.S. Dollars Mil. of U.S. $
line 14
Private pension funds 		2025 -682 Millions of U.S. Dollars -669 Millions of U.S. Dollars -669 Millions of U.S. Dollars Mil. of U.S. $
line 15
State and local govt. retirement funds 		2025 0 Millions of U.S. Dollars -2,299 Millions of U.S. Dollars -2,299 Millions of U.S. Dollars Mil. of U.S. $
line 16
Money market funds 		2025 -12,379 Millions of U.S. Dollars -25,075 Millions of U.S. Dollars -25,075 Millions of U.S. Dollars Mil. of U.S. $
line 17
Government-sponsored enterprises 		2025 1,554 Millions of U.S. Dollars 3,083 Millions of U.S. Dollars 3,083 Millions of U.S. Dollars Mil. of U.S. $
line 18
Finance companies 		2025 1,764 Millions of U.S. Dollars -10,555 Millions of U.S. Dollars -10,555 Millions of U.S. Dollars Mil. of U.S. $
line 19
Holding companies 		2025 22,278 Millions of U.S. Dollars 21,118 Millions of U.S. Dollars 21,118 Millions of U.S. Dollars Mil. of U.S. $
line 20
Rest of the world 		2025 47,175 Millions of U.S. Dollars 55,923 Millions of U.S. Dollars 55,923 Millions of U.S. Dollars Mil. of U.S. $
   

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