Annual

L.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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    1945    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Total liabilities 		2025 13,158,587 Millions of U.S. Dollars 13,695,679 Millions of U.S. Dollars 13,695,679 Millions of U.S. Dollars Mil. of U.S. $
line 2
U.S.-chartered depository institutions 		2025 10,446,746 Millions of U.S. Dollars 11,095,342 Millions of U.S. Dollars 11,095,342 Millions of U.S. Dollars Mil. of U.S. $
line 3
Foreign banking offices in U.S. 		2025 1,005,998 Millions of U.S. Dollars 970,486 Millions of U.S. Dollars 970,486 Millions of U.S. Dollars Mil. of U.S. $
line 4
Banks in U.S.-affiliated areas 		2025 34,891 Millions of U.S. Dollars 33,693 Millions of U.S. Dollars 33,693 Millions of U.S. Dollars Mil. of U.S. $
line 5
Credit unions 		2025 1,670,952 Millions of U.S. Dollars 1,596,158 Millions of U.S. Dollars 1,596,158 Millions of U.S. Dollars Mil. of U.S. $
line 6
Total assets 		2025 13,158,587 Millions of U.S. Dollars 13,695,679 Millions of U.S. Dollars 13,695,679 Millions of U.S. Dollars Mil. of U.S. $
line 7
Household sector 		2025 9,208,901 Millions of U.S. Dollars 9,802,150 Millions of U.S. Dollars 9,802,150 Millions of U.S. Dollars Mil. of U.S. $
line 8
Nonfinancial business 		2025 1,942,417 Millions of U.S. Dollars 1,917,623 Millions of U.S. Dollars 1,917,623 Millions of U.S. Dollars Mil. of U.S. $
line 9
Corporate 		2025 401,749 Millions of U.S. Dollars 418,475 Millions of U.S. Dollars 418,475 Millions of U.S. Dollars Mil. of U.S. $
line 10
Noncorporate 		2025 1,540,668 Millions of U.S. Dollars 1,499,148 Millions of U.S. Dollars 1,499,148 Millions of U.S. Dollars Mil. of U.S. $
line 11
Federal government 		2025 1,331 Millions of U.S. Dollars 1,492 Millions of U.S. Dollars 1,492 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 		2025 866,628 Millions of U.S. Dollars 857,849 Millions of U.S. Dollars 857,849 Millions of U.S. Dollars Mil. of U.S. $
line 14
Private pension funds 		2025 13,115 Millions of U.S. Dollars 13,797 Millions of U.S. Dollars 13,797 Millions of U.S. Dollars Mil. of U.S. $
line 15
State and local govt. retirement funds 		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 		2025 251,615 Millions of U.S. Dollars 263,994 Millions of U.S. Dollars 263,994 Millions of U.S. Dollars Mil. of U.S. $
line 17
Government-sponsored enterprises 		2025 28,800 Millions of U.S. Dollars 27,246 Millions of U.S. Dollars 27,246 Millions of U.S. Dollars Mil. of U.S. $
line 18
Finance companies 		2025 38,882 Millions of U.S. Dollars 37,118 Millions of U.S. Dollars 37,118 Millions of U.S. Dollars Mil. of U.S. $
line 19
Holding companies 		2025 539,418 Millions of U.S. Dollars 519,985 Millions of U.S. Dollars 519,985 Millions of U.S. Dollars Mil. of U.S. $
line 20
Rest of the world 		2025 785,501 Millions of U.S. Dollars 742,484 Millions of U.S. Dollars 742,484 Millions of U.S. Dollars Mil. of U.S. $
   

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