Quarterly

F4.5a.t One-to-four-family residential 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/.

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/

   

Please select a date range

    Q4 1946    
 
 
    Q1 2026
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Net borrowing 		Q1 2026 303,356 Millions of U.S. Dollars 300,481 Millions of U.S. Dollars 363,340 Millions of U.S. Dollars Mil. of U.S. $
line 2
Household sector 		Q1 2026 280,372 Millions of U.S. Dollars 282,041 Millions of U.S. Dollars 340,136 Millions of U.S. Dollars Mil. of U.S. $
line 3
Nonfinancial corporate business 		Q1 2026 562 Millions of U.S. Dollars -98 Millions of U.S. Dollars 480 Millions of U.S. Dollars Mil. of U.S. $
line 4
Nonfinancial noncorporate business 		Q1 2026 22,422 Millions of U.S. Dollars 18,538 Millions of U.S. Dollars 22,724 Millions of U.S. Dollars Mil. of U.S. $
line 5
Net change in assets 		Q1 2026 303,356 Millions of U.S. Dollars 300,481 Millions of U.S. Dollars 363,340 Millions of U.S. Dollars Mil. of U.S. $
line 6
Household sector 		Q1 2026 -3,488 Millions of U.S. Dollars -3,488 Millions of U.S. Dollars -3,488 Millions of U.S. Dollars Mil. of U.S. $
line 7
Nonfinancial corporate business 		Q1 2026 144 Millions of U.S. Dollars -32 Millions of U.S. Dollars -68 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial noncorporate business 		Q1 2026 1,904 Millions of U.S. Dollars 1,948 Millions of U.S. Dollars 1,128 Millions of U.S. Dollars Mil. of U.S. $
line 9
Federal government 		Q1 2026 -2,232 Millions of U.S. Dollars -476 Millions of U.S. Dollars 3,304 Millions of U.S. Dollars Mil. of U.S. $
line 10
State and local governments 		Q1 2026 0 Millions of U.S. Dollars 7,656 Millions of U.S. Dollars 7,328 Millions of U.S. Dollars Mil. of U.S. $
line 11
U.S.-chartered depository institutions 		Q1 2026 -33,879 Millions of U.S. Dollars 52,993 Millions of U.S. Dollars 4,420 Millions of U.S. Dollars Mil. of U.S. $
line 12
Foreign banking offices in U.S. 		Q1 2026 104 Millions of U.S. Dollars 604 Millions of U.S. Dollars 20 Millions of U.S. Dollars Mil. of U.S. $
line 13
Banks in U.S.-affiliated areas 		Q1 2026 -1,504 Millions of U.S. Dollars 704 Millions of U.S. Dollars -284 Millions of U.S. Dollars Mil. of U.S. $
line 14
Credit unions 		Q1 2026 66,747 Millions of U.S. Dollars 27,235 Millions of U.S. Dollars 51,124 Millions of U.S. Dollars Mil. of U.S. $
line 15
Life insurance companies 		Q1 2026 -1,000 Millions of U.S. Dollars 42,012 Millions of U.S. Dollars 30,972 Millions of U.S. Dollars Mil. of U.S. $
line 16
Private pension funds 		Q1 2026 140 Millions of U.S. Dollars 208 Millions of U.S. Dollars 192 Millions of U.S. Dollars Mil. of U.S. $
line 17
State and local govt. retirement funds 		Q1 2026 248 Millions of U.S. Dollars 964 Millions of U.S. Dollars -100 Millions of U.S. Dollars Mil. of U.S. $
line 18
Government-sponsored enterprises 		Q1 2026 62,688 Millions of U.S. Dollars -53,996 Millions of U.S. Dollars 70,881 Millions of U.S. Dollars Mil. of U.S. $
line 19
Agency- and GSE-backed mortgage pools 		Q1 2026 126,808 Millions of U.S. Dollars 135,220 Millions of U.S. Dollars 149,499 Millions of U.S. Dollars Mil. of U.S. $
line 20
ABS issuers 		Q1 2026 81,512 Millions of U.S. Dollars 39,736 Millions of U.S. Dollars 51,732 Millions of U.S. Dollars Mil. of U.S. $
line 21
Finance companies 		Q1 2026 -16,552 Millions of U.S. Dollars -10,111 Millions of U.S. Dollars -16,180 Millions of U.S. Dollars Mil. of U.S. $
line 22
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
Memo:
line 23
Charge-offs 		Q1 2026 2,088 Millions of U.S. Dollars 1,007 Millions of U.S. Dollars 998 Millions of U.S. Dollars Mil. of U.S. $
line 24
Home equity loans included above 		Q1 2026 10,444 Millions of U.S. Dollars 64,684 Millions of U.S. Dollars 36,236 Millions of U.S. Dollars Mil. of U.S. $
line 25
U.S.-chartered depository institutions 		Q1 2026 -22,560 Millions of U.S. Dollars 26,276 Millions of U.S. Dollars 7,076 Millions of U.S. Dollars Mil. of U.S. $
line 26
Foreign banking offices in U.S. 		Q1 2026 632 Millions of U.S. Dollars 692 Millions of U.S. Dollars 304 Millions of U.S. Dollars Mil. of U.S. $
line 27
Credit unions 		Q1 2026 11,168 Millions of U.S. Dollars 19,304 Millions of U.S. Dollars 17,920 Millions of U.S. Dollars Mil. of U.S. $
line 28
ABS issuers 		Q1 2026 22,560 Millions of U.S. Dollars 21,316 Millions of U.S. Dollars 12,248 Millions of U.S. Dollars Mil. of U.S. $
line 29
Finance companies 		Q1 2026 -1,356 Millions of U.S. Dollars -2,904 Millions of U.S. Dollars -1,312 Millions of U.S. Dollars Mil. of U.S. $
   

Back to Top

Subscribe to the FRED newsletter

Follow us

 

Need Help?

Questions or Comments
FRED Help
Legal
Privacy Notice & Policy