Annual

F2.3.s 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/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/
To easily map the Board series IDs to FRED series IDs, see the DDP-FRED Crosswalk available at: https://www.federalreserve.gov/data/data-download-fred-information.htm

   

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    1945    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Total liabilities 		2025 12,105,750 Millions of U.S. Dollars 10,415,493 Millions of U.S. Dollars 10,415,493 Millions of U.S. Dollars Mil. of U.S. $
line 2
Monetary authority 		2025 3,511,975 Millions of U.S. Dollars 3,231,293 Millions of U.S. Dollars 3,231,293 Millions of U.S. Dollars Mil. of U.S. $
line 3
Federal government cash and deposits 		2025 873,174 Millions of U.S. Dollars 722,208 Millions of U.S. Dollars 722,208 Millions of U.S. Dollars Mil. of U.S. $
line 4
Due to government-sponsored enterprises 		2025 27,837 Millions of U.S. Dollars 24,009 Millions of U.S. Dollars 24,009 Millions of U.S. Dollars Mil. of U.S. $
line 5
Deposits due to foreign 		2025 9,467 Millions of U.S. Dollars 9,716 Millions of U.S. Dollars 9,716 Millions of U.S. Dollars Mil. of U.S. $
line 6
Currency outside banks 		2025 2,307,122 Millions of U.S. Dollars 2,234,292 Millions of U.S. Dollars 2,234,292 Millions of U.S. Dollars Mil. of U.S. $
line 7
U.S.-chartered depository institutions 		2025 7,752,033 Millions of U.S. Dollars 6,424,595 Millions of U.S. Dollars 6,424,595 Millions of U.S. Dollars Mil. of U.S. $
line 8
Federal government deposits 		2025 6,907 Millions of U.S. Dollars 6,693 Millions of U.S. Dollars 6,693 Millions of U.S. Dollars Mil. of U.S. $
line 9
Deposits due to foreign 		2025 91,148 Millions of U.S. Dollars 112,221 Millions of U.S. Dollars 112,221 Millions of U.S. Dollars Mil. of U.S. $
line 10
Private domestic deposits 		2025 7,222,484 Millions of U.S. Dollars 5,915,029 Millions of U.S. Dollars 5,915,029 Millions of U.S. Dollars Mil. of U.S. $
line 11
Foreign banking offices in U.S. 		2025 376,610 Millions of U.S. Dollars 319,168 Millions of U.S. Dollars 319,168 Millions of U.S. Dollars Mil. of U.S. $
line 12
Deposits due to foreign 		2025 114,173 Millions of U.S. Dollars 99,647 Millions of U.S. Dollars 99,647 Millions of U.S. Dollars Mil. of U.S. $
line 13
Private domestic deposits 		2025 262,437 Millions of U.S. Dollars 219,521 Millions of U.S. Dollars 219,521 Millions of U.S. Dollars Mil. of U.S. $
line 14
Banks in U.S.-affiliated areas 		2025 56,059 Millions of U.S. Dollars 57,440 Millions of U.S. Dollars 57,440 Millions of U.S. Dollars Mil. of U.S. $
line 15
Credit unions 		2025 409,073 Millions of U.S. Dollars 382,997 Millions of U.S. Dollars 382,997 Millions of U.S. Dollars Mil. of U.S. $
line 16
Total assets 		2025 12,105,750 Millions of U.S. Dollars 10,415,493 Millions of U.S. Dollars 10,415,493 Millions of U.S. Dollars Mil. of U.S. $
line 17
Household sector 		2025 5,524,954 Millions of U.S. Dollars 4,440,359 Millions of U.S. Dollars 4,440,359 Millions of U.S. Dollars Mil. of U.S. $
line 18
Nonfinancial business 		2025 3,154,074 Millions of U.S. Dollars 2,855,651 Millions of U.S. Dollars 2,855,651 Millions of U.S. Dollars Mil. of U.S. $
line 19
Corporate 		2025 2,565,944 Millions of U.S. Dollars 2,295,400 Millions of U.S. Dollars 2,295,400 Millions of U.S. Dollars Mil. of U.S. $
line 20
Noncorporate 		2025 549,856 Millions of U.S. Dollars 519,586 Millions of U.S. Dollars 519,586 Millions of U.S. Dollars Mil. of U.S. $
line 21
Federal government 		2025 868,309 Millions of U.S. Dollars 724,773 Millions of U.S. Dollars 724,773 Millions of U.S. Dollars Mil. of U.S. $
line 22
State and local governments 		2025 431,494 Millions of U.S. Dollars 390,652 Millions of U.S. Dollars 390,652 Millions of U.S. Dollars Mil. of U.S. $
line 23
Domestic financial sectors 		2025 863,995 Millions of U.S. Dollars 778,478 Millions of U.S. Dollars 778,478 Millions of U.S. Dollars Mil. of U.S. $
line 24
Property-casualty insurance companies 		2025 67,406 Millions of U.S. Dollars 60,322 Millions of U.S. Dollars 60,322 Millions of U.S. Dollars Mil. of U.S. $
line 25
Life insurance companies 		2025 174,009 Millions of U.S. Dollars 150,587 Millions of U.S. Dollars 150,587 Millions of U.S. Dollars Mil. of U.S. $
line 26
Private pension funds 		2025 23,457 Millions of U.S. Dollars 22,803 Millions of U.S. Dollars 22,803 Millions of U.S. Dollars Mil. of U.S. $
line 27
Federal government retirement funds 		2025 864 Millions of U.S. Dollars 912 Millions of U.S. Dollars 912 Millions of U.S. Dollars Mil. of U.S. $
line 28
State and local govt. retirement funds 		2025 39,258 Millions of U.S. Dollars 50,000 Millions of U.S. Dollars 50,000 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 		2025 21,566 Millions of U.S. Dollars 23,837 Millions of U.S. Dollars 23,837 Millions of U.S. Dollars Mil. of U.S. $
line 31
Finance companies 		2025 11,646 Millions of U.S. Dollars 12,373 Millions of U.S. Dollars 12,373 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 		2025 134,803 Millions of U.S. Dollars 127,428 Millions of U.S. Dollars 127,428 Millions of U.S. Dollars Mil. of U.S. $
line 34
Rest of the world 		2025 1,299,576 Millions of U.S. Dollars 1,269,602 Millions of U.S. Dollars 1,269,602 Millions of U.S. Dollars Mil. of U.S. $
line 35
Checkable deposits 		2025 214,788 Millions of U.S. Dollars 221,584 Millions of U.S. Dollars 221,584 Millions of U.S. Dollars Mil. of U.S. $
line 36
Currency 		2025 1,084,788 Millions of U.S. Dollars 1,048,018 Millions of U.S. Dollars 1,048,018 Millions of U.S. Dollars Mil. of U.S. $
line 37
Mail float 		2025 16,226 Millions of U.S. Dollars 8,475 Millions of U.S. Dollars 8,475 Millions of U.S. Dollars Mil. of U.S. $
   

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