Quarterly

F.204 Checkable Deposits and Currency

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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    Q4 1946    
 
 
    Q3 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Net change in liabilities 		Q3 2025 1,977,599 Millions of U.S. Dollars 1,094,400 Millions of U.S. Dollars 998,751 Millions of U.S. Dollars Mil. of U.S. $
line 2
Monetary authority 		Q3 2025 1,816,424 Millions of U.S. Dollars 400,518 Millions of U.S. Dollars 483,700 Millions of U.S. Dollars Mil. of U.S. $
line 3
Federal government cash and deposits 		Q3 2025 1,735,052 Millions of U.S. Dollars 204,784 Millions of U.S. Dollars 431,332 Millions of U.S. Dollars Mil. of U.S. $
line 4
Due to government-sponsored enterprises 		Q3 2025 2,844 Millions of U.S. Dollars 2,008 Millions of U.S. Dollars -4,120 Millions of U.S. Dollars Mil. of U.S. $
line 5
Deposits due to foreign 		Q3 2025 -8 Millions of U.S. Dollars -16 Millions of U.S. Dollars -20 Millions of U.S. Dollars Mil. of U.S. $
line 6
Currency outside banks 		Q3 2025 74,676 Millions of U.S. Dollars 79,270 Millions of U.S. Dollars 15,244 Millions of U.S. Dollars Mil. of U.S. $
line 7
U.S.-chartered depository institutions 		Q3 2025 143,963 Millions of U.S. Dollars 721,934 Millions of U.S. Dollars 439,547 Millions of U.S. Dollars Mil. of U.S. $
line 8
Federal government deposits 		Q3 2025 2,391 Millions of U.S. Dollars -485 Millions of U.S. Dollars 983 Millions of U.S. Dollars Mil. of U.S. $
line 9
Deposits due to foreign 		Q3 2025 26,284 Millions of U.S. Dollars 43,172 Millions of U.S. Dollars 62,764 Millions of U.S. Dollars Mil. of U.S. $
line 10
Private domestic deposits 		Q3 2025 106,356 Millions of U.S. Dollars 683,207 Millions of U.S. Dollars 364,980 Millions of U.S. Dollars Mil. of U.S. $
line 11
Foreign banking offices in U.S. 		Q3 2025 24,048 Millions of U.S. Dollars -3,096 Millions of U.S. Dollars 97,608 Millions of U.S. Dollars Mil. of U.S. $
line 12
Deposits due to foreign 		Q3 2025 -18,384 Millions of U.S. Dollars 1,120 Millions of U.S. Dollars 8,332 Millions of U.S. Dollars Mil. of U.S. $
line 13
Private domestic deposits 		Q3 2025 42,432 Millions of U.S. Dollars -4,216 Millions of U.S. Dollars 89,276 Millions of U.S. Dollars Mil. of U.S. $
line 14
Banks in U.S.-affiliated areas 		Q3 2025 -7,552 Millions of U.S. Dollars 3,688 Millions of U.S. Dollars -5,444 Millions of U.S. Dollars Mil. of U.S. $
line 15
Credit unions 		Q3 2025 716 Millions of U.S. Dollars -28,644 Millions of U.S. Dollars -16,660 Millions of U.S. Dollars Mil. of U.S. $
line 16
Net change in assets 		Q3 2025 1,977,599 Millions of U.S. Dollars 1,094,400 Millions of U.S. Dollars 998,751 Millions of U.S. Dollars Mil. of U.S. $
line 17
Household sector 		Q3 2025 -151,356 Millions of U.S. Dollars 550,489 Millions of U.S. Dollars -86,281 Millions of U.S. Dollars Mil. of U.S. $
line 18
Nonfinancial business 		Q3 2025 220,423 Millions of U.S. Dollars 17,084 Millions of U.S. Dollars 417,572 Millions of U.S. Dollars Mil. of U.S. $
line 19
Corporate 		Q3 2025 200,151 Millions of U.S. Dollars -28,392 Millions of U.S. Dollars 383,716 Millions of U.S. Dollars Mil. of U.S. $
line 20
Noncorporate 		Q3 2025 18,448 Millions of U.S. Dollars 11,604 Millions of U.S. Dollars 18,048 Millions of U.S. Dollars Mil. of U.S. $
line 21
Federal government 		Q3 2025 1,709,192 Millions of U.S. Dollars 204,664 Millions of U.S. Dollars 424,500 Millions of U.S. Dollars Mil. of U.S. $
line 22
State and local governments 		Q3 2025 8,932 Millions of U.S. Dollars -3,960 Millions of U.S. Dollars 10,820 Millions of U.S. Dollars Mil. of U.S. $
line 23
Domestic financial sectors 		Q3 2025 97,184 Millions of U.S. Dollars 250,492 Millions of U.S. Dollars 146,964 Millions of U.S. Dollars Mil. of U.S. $
line 24
Property-casualty insurance companies 		Q3 2025 -25,076 Millions of U.S. Dollars 85,376 Millions of U.S. Dollars 18,220 Millions of U.S. Dollars Mil. of U.S. $
line 25
Life insurance companies 		Q3 2025 77,348 Millions of U.S. Dollars 53,780 Millions of U.S. Dollars 56,352 Millions of U.S. Dollars Mil. of U.S. $
line 26
Private pension funds 		Q3 2025 -3,996 Millions of U.S. Dollars -3,204 Millions of U.S. Dollars -3,668 Millions of U.S. Dollars Mil. of U.S. $
line 27
Federal government retirement funds 		Q3 2025 304 Millions of U.S. Dollars 304 Millions of U.S. Dollars 308 Millions of U.S. Dollars Mil. of U.S. $
line 28
State and local govt. retirement funds 		Q3 2025 3,936 Millions of U.S. Dollars -37,108 Millions of U.S. Dollars 19,628 Millions of U.S. Dollars Mil. of U.S. $
line 29
Money market funds 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 30
Government-sponsored enterprises 		Q3 2025 -572 Millions of U.S. Dollars -7,928 Millions of U.S. Dollars -17,412 Millions of U.S. Dollars Mil. of U.S. $
line 31
Finance companies 		Q3 2025 7,424 Millions of U.S. Dollars -100 Millions of U.S. Dollars 7,012 Millions of U.S. Dollars Mil. of U.S. $
line 32
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 33
Brokers and dealers 		Q3 2025 33,420 Millions of U.S. Dollars 40,160 Millions of U.S. Dollars 24,308 Millions of U.S. Dollars Mil. of U.S. $
line 34
Rest of the world 		Q3 2025 67,284 Millions of U.S. Dollars 77,828 Millions of U.S. Dollars 80,140 Millions of U.S. Dollars Mil. of U.S. $
line 35
Checkable deposits 		Q3 2025 7,892 Millions of U.S. Dollars 44,276 Millions of U.S. Dollars 71,076 Millions of U.S. Dollars Mil. of U.S. $
line 36
Currency 		Q3 2025 59,392 Millions of U.S. Dollars 33,552 Millions of U.S. Dollars 9,064 Millions of U.S. Dollars Mil. of U.S. $
line 37
Mail float 		Q3 2025 23,968 Millions of U.S. Dollars -1,469 Millions of U.S. Dollars 5,464 Millions of U.S. Dollars Mil. of U.S. $
   

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