Quarterly

F.203 Net Interbank Transactions

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 1946    
 
 
    Q1 2026
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Net change in liabilities 		Q1 2026 637,892 Millions of U.S. Dollars 451,901 Millions of U.S. Dollars 1,555,299 Millions of U.S. Dollars Mil. of U.S. $
line 2
Monetary authority 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 3
U.S.-chartered depository institutions 		Q1 2026 91,592 Millions of U.S. Dollars 213,389 Millions of U.S. Dollars 88,971 Millions of U.S. Dollars Mil. of U.S. $
line 4
Foreign banking offices in U.S. 		Q1 2026 140,104 Millions of U.S. Dollars 258,764 Millions of U.S. Dollars 459,576 Millions of U.S. Dollars Mil. of U.S. $
line 5
Banks in U.S.-affiliated areas 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 6
Credit unions 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 7
Net change in assets 		Q1 2026 392,653 Millions of U.S. Dollars 642,747 Millions of U.S. Dollars 1,520,604 Millions of U.S. Dollars Mil. of U.S. $
line 8
Monetary authority 		Q1 2026 -13,394 Millions of U.S. Dollars 6,290 Millions of U.S. Dollars -22,068 Millions of U.S. Dollars Mil. of U.S. $
line 9
U.S.-chartered depository institutions 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 10
Foreign banking offices in U.S. 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 11
Banks in U.S.-affiliated areas 		Q1 2026 -1,604 Millions of U.S. Dollars 576 Millions of U.S. Dollars 924 Millions of U.S. Dollars Mil. of U.S. $
line 12
Credit unions 		Q1 2026 75,996 Millions of U.S. Dollars 44,460 Millions of U.S. Dollars 128,668 Millions of U.S. Dollars Mil. of U.S. $
line 13
Rest of the world 		Q1 2026 94,772 Millions of U.S. Dollars 385,524 Millions of U.S. Dollars 450,288 Millions of U.S. Dollars Mil. of U.S. $
line 14
Discrepancy 		Q1 2026 189,017 Millions of U.S. Dollars 75,412 Millions of U.S. Dollars 199,423 Millions of U.S. Dollars Mil. of U.S. $
Memo:
Vault cash:
line 15
Liab.: Monetary authority 		Q1 2026 -4,825 Millions of U.S. Dollars 2,239 Millions of U.S. Dollars -12,392 Millions of U.S. Dollars Mil. of U.S. $
Assets:
line 16
U.S.-chartered depository institutions 		Q1 2026 -4,825 Millions of U.S. Dollars 2,239 Millions of U.S. Dollars -12,392 Millions of U.S. Dollars Mil. of U.S. $
line 17
Foreign banking offices in U.S. 		Q1 2026 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
Depository institution reserves:
line 18
Liab.: Monetary authority 		Q1 2026 406,196 Millions of U.S. Dollars -20,252 Millions of U.S. Dollars 1,006,752 Millions of U.S. Dollars Mil. of U.S. $
Assets:
line 19
U.S.-chartered depository institutions 		Q1 2026 268,680 Millions of U.S. Dollars 154,568 Millions of U.S. Dollars -17,916 Millions of U.S. Dollars Mil. of U.S. $
line 20
Foreign banking offices in U.S. 		Q1 2026 63,124 Millions of U.S. Dollars -219,856 Millions of U.S. Dollars 895,076 Millions of U.S. Dollars Mil. of U.S. $
line 21
Banks in U.S.-affiliated areas 		Q1 2026 -1,604 Millions of U.S. Dollars 576 Millions of U.S. Dollars 924 Millions of U.S. Dollars Mil. of U.S. $
line 22
Credit unions 		Q1 2026 75,996 Millions of U.S. Dollars 44,460 Millions of U.S. Dollars 128,668 Millions of U.S. Dollars Mil. of U.S. $
Other transactions with the monetary authority
line 23
Liab: U.S.-chartered depository institutions 		Q1 2026 -13,394 Millions of U.S. Dollars 6,290 Millions of U.S. Dollars -22,068 Millions of U.S. Dollars Mil. of U.S. $
Assets:
line 24
Monetary authority 		Q1 2026 -13,394 Millions of U.S. Dollars 6,290 Millions of U.S. Dollars -22,068 Millions of U.S. Dollars Mil. of U.S. $
line 25
Federal Reserve float 		Q1 2026 1,928 Millions of U.S. Dollars -1,676 Millions of U.S. Dollars 1,604 Millions of U.S. Dollars Mil. of U.S. $
line 26
Loans 		Q1 2026 -14,536 Millions of U.S. Dollars 6,120 Millions of U.S. Dollars -19,600 Millions of U.S. Dollars Mil. of U.S. $
Transactions with banks in foreign countries (net):
Liabilities:
line 27
U.S.-chartered depository institutions (net) 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 28
Due to foreign affiliates 		Q1 2026 -34,680 Millions of U.S. Dollars 127,404 Millions of U.S. Dollars 13,100 Millions of U.S. Dollars Mil. of U.S. $
line 29
- Due from foreign affiliates 		Q1 2026 73,884 Millions of U.S. Dollars 64,312 Millions of U.S. Dollars 231,852 Millions of U.S. Dollars Mil. of U.S. $
line 30
Foreign banking offices in U.S. (net) 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 31
Due to foreign affiliates 		Q1 2026 113,424 Millions of U.S. Dollars 262,716 Millions of U.S. Dollars 433,504 Millions of U.S. Dollars Mil. of U.S. $
line 32
- Due from foreign affiliates 		Q1 2026 -144,816 Millions of U.S. Dollars 183,768 Millions of U.S. Dollars -60,988 Millions of U.S. Dollars Mil. of U.S. $
Less:
line 33
Deposits at foreign banks 		Q1 2026 17,296 Millions of U.S. Dollars 3,772 Millions of U.S. Dollars 6,316 Millions of U.S. Dollars Mil. of U.S. $
line 34
U.S.-chartered depository institutions 		Q1 2026 16,788 Millions of U.S. Dollars 856 Millions of U.S. Dollars 5,820 Millions of U.S. Dollars Mil. of U.S. $
line 35
Foreign banking offices in U.S. 		Q1 2026 508 Millions of U.S. Dollars 2,916 Millions of U.S. Dollars 496 Millions of U.S. Dollars Mil. of U.S. $
line 36
Loans to foreign banks 		Q1 2026 -1,800 Millions of U.S. Dollars 12,560 Millions of U.S. Dollars -8,380 Millions of U.S. Dollars Mil. of U.S. $
line 37
U.S.-chartered depository institutions 		Q1 2026 -124 Millions of U.S. Dollars 14,172 Millions of U.S. Dollars -940 Millions of U.S. Dollars Mil. of U.S. $
line 38
Foreign banking offices in U.S. 		Q1 2026 -1,676 Millions of U.S. Dollars -1,612 Millions of U.S. Dollars -7,440 Millions of U.S. Dollars Mil. of U.S. $
Plus:
line 39
Loans from foreign banks 		Q1 2026 16,028 Millions of U.S. Dollars -4,596 Millions of U.S. Dollars 3,684 Millions of U.S. Dollars Mil. of U.S. $
line 40
U.S.-chartered depository institutions 		Q1 2026 10,112 Millions of U.S. Dollars -464 Millions of U.S. Dollars 1,856 Millions of U.S. Dollars Mil. of U.S. $
line 41
Foreign banking offices in U.S. 		Q1 2026 5,916 Millions of U.S. Dollars -4,132 Millions of U.S. Dollars 1,828 Millions of U.S. Dollars Mil. of U.S. $
line 42
Asset: Rest of the world 		Q1 2026 94,772 Millions of U.S. Dollars 385,524 Millions of U.S. Dollars 450,288 Millions of U.S. Dollars Mil. of U.S. $
Transactions between U.S. depository institutions (net):
line 43
U.S.-chartered depository institutions (net) 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 44
Due to: 		Q1 2026 128,768 Millions of U.S. Dollars 82,005 Millions of U.S. Dollars 92,011 Millions of U.S. Dollars Mil. of U.S. $
line 45
Foreign banking offices in U.S. 		Q1 2026 53,360 Millions of U.S. Dollars -14,484 Millions of U.S. Dollars 11,684 Millions of U.S. Dollars Mil. of U.S. $
line 46
Banks in U.S.-affiliated areas 		Q1 2026 -300 Millions of U.S. Dollars 568 Millions of U.S. Dollars -812 Millions of U.S. Dollars Mil. of U.S. $
line 47
Credit unions 		Q1 2026 -113,309 Millions of U.S. Dollars 20,509 Millions of U.S. Dollars -118,284 Millions of U.S. Dollars Mil. of U.S. $
line 48
- Due from: foreign banking offices in U.S. 		Q1 2026 20,764 Millions of U.S. Dollars 180 Millions of U.S. Dollars 24,244 Millions of U.S. Dollars Mil. of U.S. $
line 49
Unallocated 		Q1 2026 189,017 Millions of U.S. Dollars 75,412 Millions of U.S. Dollars 199,423 Millions of U.S. Dollars Mil. of U.S. $
   

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