Annual

F.214 Loans

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/

   

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    1946    
 
 
    2024
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
By instrument
line 1
Net change in total loans 		2024 1,381,384 Millions of U.S. Dollars 881,133 Millions of U.S. Dollars 881,133 Millions of U.S. Dollars Mil. of U.S. $
line 2
Depository institution loans n.e.c. 		2024 210,975 Millions of U.S. Dollars 28,858 Millions of U.S. Dollars 28,858 Millions of U.S. Dollars Mil. of U.S. $
line 3
Other loans and advances 		2024 490,193 Millions of U.S. Dollars 100,834 Millions of U.S. Dollars 100,834 Millions of U.S. Dollars Mil. of U.S. $
line 4
Mortgages 		2024 581,363 Millions of U.S. Dollars 621,655 Millions of U.S. Dollars 621,655 Millions of U.S. Dollars Mil. of U.S. $
line 5
Home 		2024 392,776 Millions of U.S. Dollars 386,877 Millions of U.S. Dollars 386,877 Millions of U.S. Dollars Mil. of U.S. $
line 6
Multifamily residential 		2024 102,609 Millions of U.S. Dollars 95,621 Millions of U.S. Dollars 95,621 Millions of U.S. Dollars Mil. of U.S. $
line 7
Commercial 		2024 63,578 Millions of U.S. Dollars 128,657 Millions of U.S. Dollars 128,657 Millions of U.S. Dollars Mil. of U.S. $
line 8
Farm 		2024 22,400 Millions of U.S. Dollars 10,500 Millions of U.S. Dollars 10,500 Millions of U.S. Dollars Mil. of U.S. $
line 9
Consumer credit 		2024 98,853 Millions of U.S. Dollars 129,786 Millions of U.S. Dollars 129,786 Millions of U.S. Dollars Mil. of U.S. $
By sector
line 10
Net change in liabilities 		2024 1,381,384 Millions of U.S. Dollars 881,133 Millions of U.S. Dollars 881,133 Millions of U.S. Dollars Mil. of U.S. $
line 11
Domestic nonfinancial sectors 		2024 1,217,324 Millions of U.S. Dollars 931,394 Millions of U.S. Dollars 931,394 Millions of U.S. Dollars Mil. of U.S. $
line 12
Household sector 		2024 609,093 Millions of U.S. Dollars 529,995 Millions of U.S. Dollars 529,995 Millions of U.S. Dollars Mil. of U.S. $
line 13
Nonfinancial corporate business 		2024 184,518 Millions of U.S. Dollars 4,645 Millions of U.S. Dollars 4,645 Millions of U.S. Dollars Mil. of U.S. $
line 14
Nonfinancial noncorporate business 		2024 196,607 Millions of U.S. Dollars 164,846 Millions of U.S. Dollars 164,846 Millions of U.S. Dollars Mil. of U.S. $
line 15
Federal government 		2024 231,729 Millions of U.S. Dollars 238,465 Millions of U.S. Dollars 238,465 Millions of U.S. Dollars Mil. of U.S. $
line 16
State and local governments 		2024 1,214 Millions of U.S. Dollars 985 Millions of U.S. Dollars 985 Millions of U.S. Dollars Mil. of U.S. $
line 17
Domestic financial sectors 		2024 15,500 Millions of U.S. Dollars -147,784 Millions of U.S. Dollars -147,784 Millions of U.S. Dollars Mil. of U.S. $
line 18
U.S.-chartered depository institutions 		2024 -81,129 Millions of U.S. Dollars -27,129 Millions of U.S. Dollars -27,129 Millions of U.S. Dollars Mil. of U.S. $
line 19
Credit unions 		2024 5,126 Millions of U.S. Dollars -11,404 Millions of U.S. Dollars -11,404 Millions of U.S. Dollars Mil. of U.S. $
line 20
Property-casualty insurance companies 		2024 -733 Millions of U.S. Dollars -29 Millions of U.S. Dollars -29 Millions of U.S. Dollars Mil. of U.S. $
line 21
Life insurance companies 		2024 18,580 Millions of U.S. Dollars 2,397 Millions of U.S. Dollars 2,397 Millions of U.S. Dollars Mil. of U.S. $
line 22
Government-sponsored enterprises 		2024 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 23
Finance companies 		2024 24,554 Millions of U.S. Dollars -5,845 Millions of U.S. Dollars -5,845 Millions of U.S. Dollars Mil. of U.S. $
line 24
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 25
Brokers and dealers 		2024 29,274 Millions of U.S. Dollars -76,501 Millions of U.S. Dollars -76,501 Millions of U.S. Dollars Mil. of U.S. $
line 26
Funding corporations 		2024 21,028 Millions of U.S. Dollars -30,590 Millions of U.S. Dollars -30,590 Millions of U.S. Dollars Mil. of U.S. $
line 27
Rest of the world 		2024 148,560 Millions of U.S. Dollars 97,523 Millions of U.S. Dollars 97,523 Millions of U.S. Dollars Mil. of U.S. $
line 28
Net change in assets 		2024 1,381,384 Millions of U.S. Dollars 881,133 Millions of U.S. Dollars 881,133 Millions of U.S. Dollars Mil. of U.S. $
line 29
Domestic nonfinancial sectors 		2024 129,198 Millions of U.S. Dollars -164,462 Millions of U.S. Dollars -164,462 Millions of U.S. Dollars Mil. of U.S. $
line 30
Household sector 		2024 8,130 Millions of U.S. Dollars -65,001 Millions of U.S. Dollars -65,001 Millions of U.S. Dollars Mil. of U.S. $
line 31
Nonfinancial corporate business 		2024 4,024 Millions of U.S. Dollars 22,594 Millions of U.S. Dollars 22,594 Millions of U.S. Dollars Mil. of U.S. $
line 32
Nonfinancial noncorporate business 		2024 1,378 Millions of U.S. Dollars 1,319 Millions of U.S. Dollars 1,319 Millions of U.S. Dollars Mil. of U.S. $
line 33
Federal government 		2024 103,240 Millions of U.S. Dollars -84,091 Millions of U.S. Dollars -84,091 Millions of U.S. Dollars Mil. of U.S. $
line 34
State and local governments 		2024 5,356 Millions of U.S. Dollars -30,921 Millions of U.S. Dollars -30,921 Millions of U.S. Dollars Mil. of U.S. $
line 35
Domestic financial sectors 		2024 1,226,895 Millions of U.S. Dollars 1,082,810 Millions of U.S. Dollars 1,082,810 Millions of U.S. Dollars Mil. of U.S. $
line 36
Monetary authority 		2024 -4,926 Millions of U.S. Dollars -13,444 Millions of U.S. Dollars -13,444 Millions of U.S. Dollars Mil. of U.S. $
line 37
U.S.-chartered depository institutions 		2024 283,719 Millions of U.S. Dollars 284,569 Millions of U.S. Dollars 284,569 Millions of U.S. Dollars Mil. of U.S. $
line 38
Foreign banking offices in U.S. 		2024 67,571 Millions of U.S. Dollars 32,999 Millions of U.S. Dollars 32,999 Millions of U.S. Dollars Mil. of U.S. $
line 39
Banks in U.S.-affiliated areas 		2024 3,633 Millions of U.S. Dollars 4,620 Millions of U.S. Dollars 4,620 Millions of U.S. Dollars Mil. of U.S. $
line 40
Credit unions 		2024 40,473 Millions of U.S. Dollars 100,160 Millions of U.S. Dollars 100,160 Millions of U.S. Dollars Mil. of U.S. $
line 41
Property-casualty insurance companies 		2024 -495 Millions of U.S. Dollars 2,531 Millions of U.S. Dollars 2,531 Millions of U.S. Dollars Mil. of U.S. $
line 42
Life insurance companies 		2024 75,817 Millions of U.S. Dollars 43,223 Millions of U.S. Dollars 43,223 Millions of U.S. Dollars Mil. of U.S. $
line 43
Private pension funds 		2024 3,108 Millions of U.S. Dollars 6,676 Millions of U.S. Dollars 6,676 Millions of U.S. Dollars Mil. of U.S. $
line 44
Federal government retirement funds 		2024 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 45
State and local govt. retirement funds 		2024 398 Millions of U.S. Dollars -1,667 Millions of U.S. Dollars -1,667 Millions of U.S. Dollars Mil. of U.S. $
line 46
Mutual funds 		2024 11,802 Millions of U.S. Dollars -15,736 Millions of U.S. Dollars -15,736 Millions of U.S. Dollars Mil. of U.S. $
line 47
Government-sponsored enterprises 		2024 90,632 Millions of U.S. Dollars 91,011 Millions of U.S. Dollars 91,011 Millions of U.S. Dollars Mil. of U.S. $
line 48
Agency- and GSE-backed mortgage pools 		2024 173,906 Millions of U.S. Dollars 182,743 Millions of U.S. Dollars 182,743 Millions of U.S. Dollars Mil. of U.S. $
line 49
ABS issuers 		2024 100,024 Millions of U.S. Dollars 29,411 Millions of U.S. Dollars 29,411 Millions of U.S. Dollars Mil. of U.S. $
line 50
Finance companies 		2024 54,334 Millions of U.S. Dollars 105,195 Millions of U.S. Dollars 105,195 Millions of U.S. Dollars Mil. of U.S. $
line 51
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 52
Brokers and dealers 		2024 89,108 Millions of U.S. Dollars -16,806 Millions of U.S. Dollars -16,806 Millions of U.S. Dollars Mil. of U.S. $
line 53
Holding companies 		2024 7,216 Millions of U.S. Dollars 491 Millions of U.S. Dollars 491 Millions of U.S. Dollars Mil. of U.S. $
line 54
Funding corporations 		2024 -607 Millions of U.S. Dollars -3,242 Millions of U.S. Dollars -3,242 Millions of U.S. Dollars Mil. of U.S. $
line 55
Rest of the world 		2024 503 Millions of U.S. Dollars 1,368 Millions of U.S. Dollars 1,368 Millions of U.S. Dollars Mil. of U.S. $
   

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