Annual

L.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/.

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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    1945    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Total liabilities 		2025 5,078,803 Millions of U.S. Dollars 4,881,476 Millions of U.S. Dollars 4,881,476 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 		2025 551,149 Millions of U.S. Dollars 517,570 Millions of U.S. Dollars 517,570 Millions of U.S. Dollars Mil. of U.S. $
line 4
Foreign banking offices in U.S. 		2025 1,674,213 Millions of U.S. Dollars 1,471,543 Millions of U.S. Dollars 1,471,543 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
Total assets 		2025 6,565,048 Millions of U.S. Dollars 6,192,516 Millions of U.S. Dollars 6,192,516 Millions of U.S. Dollars Mil. of U.S. $
line 8
Monetary authority 		2025 23,010 Millions of U.S. Dollars 19,677 Millions of U.S. Dollars 19,677 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 		2025 5,206 Millions of U.S. Dollars 6,207 Millions of U.S. Dollars 6,207 Millions of U.S. Dollars Mil. of U.S. $
line 12
Credit unions 		2025 146,653 Millions of U.S. Dollars 135,206 Millions of U.S. Dollars 135,206 Millions of U.S. Dollars Mil. of U.S. $
line 13
Rest of the world 		2025 2,126,602 Millions of U.S. Dollars 1,893,407 Millions of U.S. Dollars 1,893,407 Millions of U.S. Dollars Mil. of U.S. $
line 14
Discrepancy 		2025 -15,846 Millions of U.S. Dollars -16,722 Millions of U.S. Dollars -16,722 Millions of U.S. Dollars Mil. of U.S. $
Memo:
Vault cash:
line 15
Liab.: Monetary authority 		2025 85,552 Millions of U.S. Dollars 86,450 Millions of U.S. Dollars 86,450 Millions of U.S. Dollars Mil. of U.S. $
Asset:
line 16
U.S.-chartered depository institutions 		2025 85,548 Millions of U.S. Dollars 86,446 Millions of U.S. Dollars 86,446 Millions of U.S. Dollars Mil. of U.S. $
line 17
Foreign banking offices in U.S. 		2025 4 Millions of U.S. Dollars 4 Millions of U.S. Dollars 4 Millions of U.S. Dollars Mil. of U.S. $
Depository institution reserves:
line 18
Liab.: Monetary authority 		2025 2,853,441 Millions of U.S. Dollars 2,892,363 Millions of U.S. Dollars 2,892,363 Millions of U.S. Dollars Mil. of U.S. $
Asset:
line 19
U.S.-chartered depository institutions 		2025 1,691,457 Millions of U.S. Dollars 1,843,538 Millions of U.S. Dollars 1,843,538 Millions of U.S. Dollars Mil. of U.S. $
line 20
Foreign banking offices in U.S. 		2025 1,010,125 Millions of U.S. Dollars 907,412 Millions of U.S. Dollars 907,412 Millions of U.S. Dollars Mil. of U.S. $
line 21
Banks in U.S.-affiliated areas 		2025 5,206 Millions of U.S. Dollars 6,207 Millions of U.S. Dollars 6,207 Millions of U.S. Dollars Mil. of U.S. $
line 22
Credit unions 		2025 146,653 Millions of U.S. Dollars 135,206 Millions of U.S. Dollars 135,206 Millions of U.S. Dollars Mil. of U.S. $
Other transactions with the monetary authority
line 23
Liab: U.S.-chartered depository institutions 		2025 23,010 Millions of U.S. Dollars 19,677 Millions of U.S. Dollars 19,677 Millions of U.S. Dollars Mil. of U.S. $
Asset:
line 24
Monetary authority 		2025 23,010 Millions of U.S. Dollars 19,677 Millions of U.S. Dollars 19,677 Millions of U.S. Dollars Mil. of U.S. $
line 25
Federal Reserve float 		2025 -1,094 Millions of U.S. Dollars -1,089 Millions of U.S. Dollars -1,089 Millions of U.S. Dollars Mil. of U.S. $
line 26
Loans to member banks 		2025 9,689 Millions of U.S. Dollars 8,649 Millions of U.S. Dollars 8,649 Millions of U.S. Dollars Mil. of U.S. $
Transactions with banks in foreign countries (net):
Liab:
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 		2025 483,842 Millions of U.S. Dollars 453,065 Millions of U.S. Dollars 453,065 Millions of U.S. Dollars Mil. of U.S. $
line 29
- Due from foreign affiliates 		2025 505,906 Millions of U.S. Dollars 439,424 Millions of U.S. Dollars 439,424 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 		2025 1,620,341 Millions of U.S. Dollars 1,420,851 Millions of U.S. Dollars 1,420,851 Millions of U.S. Dollars Mil. of U.S. $
line 32
- Due from foreign affiliates 		2025 854,403 Millions of U.S. Dollars 755,940 Millions of U.S. Dollars 755,940 Millions of U.S. Dollars Mil. of U.S. $
Less
line 33
Deposits at foreign banks 		2025 38,613 Millions of U.S. Dollars 30,976 Millions of U.S. Dollars 30,976 Millions of U.S. Dollars Mil. of U.S. $
line 34
U.S.-chartered depository institutions 		2025 25,457 Millions of U.S. Dollars 19,788 Millions of U.S. Dollars 19,788 Millions of U.S. Dollars Mil. of U.S. $
line 35
Foreign banking offices in U.S. 		2025 13,156 Millions of U.S. Dollars 11,188 Millions of U.S. Dollars 11,188 Millions of U.S. Dollars Mil. of U.S. $
line 36
Loans to foreign banks 		2025 57,062 Millions of U.S. Dollars 55,861 Millions of U.S. Dollars 55,861 Millions of U.S. Dollars Mil. of U.S. $
line 37
U.S.-chartered depository institutions 		2025 28,023 Millions of U.S. Dollars 22,705 Millions of U.S. Dollars 22,705 Millions of U.S. Dollars Mil. of U.S. $
line 38
Foreign banking offices in U.S. 		2025 29,039 Millions of U.S. Dollars 33,156 Millions of U.S. Dollars 33,156 Millions of U.S. Dollars Mil. of U.S. $
line 39
Plus: Loans from foreign banks 		2025 22,419 Millions of U.S. Dollars 19,491 Millions of U.S. Dollars 19,491 Millions of U.S. Dollars Mil. of U.S. $
line 40
U.S.-chartered depository institutions 		2025 10,072 Millions of U.S. Dollars 8,606 Millions of U.S. Dollars 8,606 Millions of U.S. Dollars Mil. of U.S. $
line 41
Foreign banking offices in U.S. 		2025 12,347 Millions of U.S. Dollars 10,885 Millions of U.S. Dollars 10,885 Millions of U.S. Dollars Mil. of U.S. $
line 42
Asset: Rest of the world 		2025 2,126,602 Millions of U.S. Dollars 1,893,407 Millions of U.S. Dollars 1,893,407 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 : 		2025 48,640 Millions of U.S. Dollars 48,339 Millions of U.S. Dollars 48,339 Millions of U.S. Dollars Mil. of U.S. $
line 45
Foreign banking offices in U.S. 		2025 17,415 Millions of U.S. Dollars 19,685 Millions of U.S. Dollars 19,685 Millions of U.S. Dollars Mil. of U.S. $
line 46
Banks in U.S.-affiliated areas 		2025 1,061 Millions of U.S. Dollars 1,277 Millions of U.S. Dollars 1,277 Millions of U.S. Dollars Mil. of U.S. $
line 47
Credit unions 		2025 46,010 Millions of U.S. Dollars 44,099 Millions of U.S. Dollars 44,099 Millions of U.S. Dollars Mil. of U.S. $
line 48
- Due from: Foreign banking offices in U.S. 		2025 41,525 Millions of U.S. Dollars 39,807 Millions of U.S. Dollars 39,807 Millions of U.S. Dollars Mil. of U.S. $
line 49
Unallocated 		2025 -15,846 Millions of U.S. Dollars -16,722 Millions of U.S. Dollars -16,722 Millions of U.S. Dollars Mil. of U.S. $
   

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