Quarterly

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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    Q4 1946    
 
 
    Q4 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Net change in liabilities 		Q4 2025 -3,078,259 Millions of U.S. Dollars 213,761 Millions of U.S. Dollars -90,524 Millions of U.S. Dollars Mil. of U.S. $
line 2
U.S.-chartered depository institutions 		Q4 2025 -3,209,793 Millions of U.S. Dollars 101,585 Millions of U.S. Dollars -316,436 Millions of U.S. Dollars Mil. of U.S. $
line 3
Foreign banking offices in U.S. 		Q4 2025 42,964 Millions of U.S. Dollars 24,100 Millions of U.S. Dollars 118,436 Millions of U.S. Dollars Mil. of U.S. $
line 4
Banks in U.S.-affiliated areas 		Q4 2025 3,448 Millions of U.S. Dollars -2,848 Millions of U.S. Dollars 1,756 Millions of U.S. Dollars Mil. of U.S. $
line 5
Credit unions 		Q4 2025 85,123 Millions of U.S. Dollars 90,924 Millions of U.S. Dollars 105,720 Millions of U.S. Dollars Mil. of U.S. $
line 6
Net change in assets 		Q4 2025 -3,078,259 Millions of U.S. Dollars 213,761 Millions of U.S. Dollars -90,524 Millions of U.S. Dollars Mil. of U.S. $
line 7
Household sector 		Q4 2025 -3,191,495 Millions of U.S. Dollars 335,851 Millions of U.S. Dollars 15,559 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial business 		Q4 2025 117,805 Millions of U.S. Dollars 127,856 Millions of U.S. Dollars 87,664 Millions of U.S. Dollars Mil. of U.S. $
line 9
Corporate 		Q4 2025 58,345 Millions of U.S. Dollars 82,632 Millions of U.S. Dollars 42,236 Millions of U.S. Dollars Mil. of U.S. $
line 10
Noncorporate 		Q4 2025 59,460 Millions of U.S. Dollars 45,224 Millions of U.S. Dollars 45,428 Millions of U.S. Dollars Mil. of U.S. $
line 11
Federal government 		Q4 2025 -388 Millions of U.S. Dollars -240 Millions of U.S. Dollars -1,420 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 		Q4 2025 64,807 Millions of U.S. Dollars -247,021 Millions of U.S. Dollars -164,615 Millions of U.S. Dollars Mil. of U.S. $
line 14
Private pension funds 		Q4 2025 -712 Millions of U.S. Dollars -640 Millions of U.S. Dollars -692 Millions of U.S. Dollars Mil. of U.S. $
line 15
State and local govt. retirement funds 		Q4 2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 16
Money market funds 		Q4 2025 -10,093 Millions of U.S. Dollars -130,429 Millions of U.S. Dollars -163,731 Millions of U.S. Dollars Mil. of U.S. $
line 17
Government-sponsored enterprises 		Q4 2025 -2,640 Millions of U.S. Dollars 3,440 Millions of U.S. Dollars -3,500 Millions of U.S. Dollars Mil. of U.S. $
line 18
Finance companies 		Q4 2025 -24,628 Millions of U.S. Dollars 6,116 Millions of U.S. Dollars -6,796 Millions of U.S. Dollars Mil. of U.S. $
line 19
Holding companies 		Q4 2025 104,508 Millions of U.S. Dollars -126,288 Millions of U.S. Dollars 8,656 Millions of U.S. Dollars Mil. of U.S. $
line 20
Rest of the world 		Q4 2025 -29,682 Millions of U.S. Dollars 44,792 Millions of U.S. Dollars -7,844 Millions of U.S. Dollars Mil. of U.S. $
   

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