Federal Reserve Economic Data

Annual

F.218 Home Mortgages


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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Please select a date range

    1946    
 
 
    2024
Millions of Dollars
Line Name Period Value Preceding
Period
Year Ago
from Period
line 1
Net borrowing
2024 397,644 386,646 386,646
line 2
Household sector
2024 372,795 366,725 366,725
line 3
Nonfinancial corporate business
2024 -1,466 -1,512 -1,512
line 4
Nonfinancial noncorporate business
2024 26,315 21,433 21,433
line 5
Net change in assets
2024 397,644 386,646 386,646
line 6
Household sector
2024 -3,488 -3,488 -3,488
line 7
Nonfinancial corporate business
2024 224 7,235 7,235
line 8
Nonfinancial noncorporate business
2024 501 481 481
line 9
Federal government
2024 2,704 2,773 2,773
line 10
State and local governments
2024 2,799 -15,880 -15,880
line 11
U.S.-chartered depository institutions
2024 38,363 78,858 78,858
line 12
Foreign banking offices in U.S.
2024 289 -264 -264
line 13
Banks in U.S.-affiliated areas
2024 466 311 311
line 14
Credit unions
2024 40,646 48,791 48,791
line 15
Life insurance companies
2024 33,087 21,953 21,953
line 16
Private pension funds
2024 -249 -207 -207
line 17
State and local govt. retirement funds
2024 211 -636 -636
line 18
Government-sponsored enterprises
2024 57,668 61,013 61,013
line 19
Agency- and GSE-backed mortgage pools
2024 172,537 174,076 174,076
line 20
ABS issuers
2024 45,290 11,627 11,627
line 21
Finance companies
2024 -6,150 -4,404 -4,404
line 22
REITs
. . . .
Memo:
line 23
Charge-offs
2024 4,089 4,280 4,280
line 24
Home equity loans included above
2024 50,706 33,809 33,809
line 25
U.S.-chartered depository institutions
2024 17,876 6,378 6,378
line 26
Foreign banking offices in U.S.
2024 304 -4 -4
line 27
Credit unions
2024 23,672 26,068 26,068
line 28
ABS issuers
2024 10,096 2,262 2,262
line 29
Finance companies
2024 -1,242 -895 -895
   

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