Quarterly

L.214 Loans

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 1945    
 
 
    Q4 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
By instrument
line 1
Total loans 		Q4 2025 42,481,430 Millions of U.S. Dollars 41,630,348 Millions of U.S. Dollars 40,323,409 Millions of U.S. Dollars Mil. of U.S. $
line 2
Depository institution loans n.e.c. 		Q4 2025 5,828,274 Millions of U.S. Dollars 5,609,330 Millions of U.S. Dollars 5,274,027 Millions of U.S. Dollars Mil. of U.S. $
line 3
Other loans and advances 		Q4 2025 9,986,912 Millions of U.S. Dollars 9,613,041 Millions of U.S. Dollars 9,233,133 Millions of U.S. Dollars Mil. of U.S. $
line 4
Mortgages 		Q4 2025 21,559,615 Millions of U.S. Dollars 21,365,710 Millions of U.S. Dollars 20,868,189 Millions of U.S. Dollars Mil. of U.S. $
line 5
Home 		Q4 2025 14,770,058 Millions of U.S. Dollars 14,665,725 Millions of U.S. Dollars 14,359,193 Millions of U.S. Dollars Mil. of U.S. $
line 6
Multifamily residential 		Q4 2025 2,446,661 Millions of U.S. Dollars 2,392,517 Millions of U.S. Dollars 2,305,413 Millions of U.S. Dollars Mil. of U.S. $
line 7
Commercial 		Q4 2025 3,956,995 Millions of U.S. Dollars 3,926,256 Millions of U.S. Dollars 3,836,283 Millions of U.S. Dollars Mil. of U.S. $
line 8
Farm 		Q4 2025 385,900 Millions of U.S. Dollars 381,212 Millions of U.S. Dollars 367,300 Millions of U.S. Dollars Mil. of U.S. $
line 9
Consumer credit 		Q4 2025 5,106,630 Millions of U.S. Dollars 5,042,267 Millions of U.S. Dollars 4,948,060 Millions of U.S. Dollars Mil. of U.S. $
By sector
line 10
Total liabilities 		Q4 2025 42,481,430 Millions of U.S. Dollars 41,630,348 Millions of U.S. Dollars 40,323,409 Millions of U.S. Dollars Mil. of U.S. $
line 11
Domestic nonfinancial sectors 		Q4 2025 38,084,919 Millions of U.S. Dollars 37,369,109 Millions of U.S. Dollars 36,614,016 Millions of U.S. Dollars Mil. of U.S. $
line 12
Household sector 		Q4 2025 20,702,071 Millions of U.S. Dollars 20,474,649 Millions of U.S. Dollars 20,074,575 Millions of U.S. Dollars Mil. of U.S. $
line 13
Nonfinancial corporate business 		Q4 2025 5,391,807 Millions of U.S. Dollars 5,315,756 Millions of U.S. Dollars 5,182,323 Millions of U.S. Dollars Mil. of U.S. $
line 14
Nonfinancial noncorporate business 		Q4 2025 8,026,667 Millions of U.S. Dollars 7,915,671 Millions of U.S. Dollars 7,763,151 Millions of U.S. Dollars Mil. of U.S. $
line 15
Federal government 		Q4 2025 3,817,450 Millions of U.S. Dollars 3,520,081 Millions of U.S. Dollars 3,456,793 Millions of U.S. Dollars Mil. of U.S. $
line 16
State and local governments 		Q4 2025 26,201 Millions of U.S. Dollars 26,006 Millions of U.S. Dollars 25,482 Millions of U.S. Dollars Mil. of U.S. $
line 17
Domestic financial sectors 		Q4 2025 2,559,864 Millions of U.S. Dollars 2,556,794 Millions of U.S. Dollars 2,329,221 Millions of U.S. Dollars Mil. of U.S. $
line 18
U.S.-chartered depository institutions 		Q4 2025 404,508 Millions of U.S. Dollars 425,311 Millions of U.S. Dollars 474,180 Millions of U.S. Dollars Mil. of U.S. $
line 19
Credit unions 		Q4 2025 83,412 Millions of U.S. Dollars 82,743 Millions of U.S. Dollars 90,398 Millions of U.S. Dollars Mil. of U.S. $
line 20
Property-casualty insurance companies 		Q4 2025 4,191 Millions of U.S. Dollars 4,662 Millions of U.S. Dollars 4,437 Millions of U.S. Dollars Mil. of U.S. $
line 21
Life insurance companies 		Q4 2025 173,659 Millions of U.S. Dollars 173,080 Millions of U.S. Dollars 156,705 Millions of U.S. Dollars Mil. of U.S. $
line 22
Government-sponsored enterprises 		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 23
Finance companies 		Q4 2025 270,360 Millions of U.S. Dollars 269,235 Millions of U.S. Dollars 259,976 Millions of U.S. Dollars Mil. of U.S. $
line 24
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 25
Brokers and dealers 		Q4 2025 1,305,471 Millions of U.S. Dollars 1,294,873 Millions of U.S. Dollars 1,091,472 Millions of U.S. Dollars Mil. of U.S. $
line 26
Funding corporations 		Q4 2025 314,899 Millions of U.S. Dollars 303,488 Millions of U.S. Dollars 248,155 Millions of U.S. Dollars Mil. of U.S. $
line 27
Rest of the world 		Q4 2025 1,836,647 Millions of U.S. Dollars 1,704,445 Millions of U.S. Dollars 1,380,172 Millions of U.S. Dollars Mil. of U.S. $
line 28
Total assets 		Q4 2025 42,481,430 Millions of U.S. Dollars 41,630,348 Millions of U.S. Dollars 40,323,409 Millions of U.S. Dollars Mil. of U.S. $
line 29
Domestic nonfinancial sectors 		Q4 2025 4,177,374 Millions of U.S. Dollars 4,128,709 Millions of U.S. Dollars 3,989,025 Millions of U.S. Dollars Mil. of U.S. $
line 30
Household sector 		Q4 2025 1,245,742 Millions of U.S. Dollars 1,256,413 Millions of U.S. Dollars 1,201,171 Millions of U.S. Dollars Mil. of U.S. $
line 31
Nonfinancial corporate business 		Q4 2025 142,806 Millions of U.S. Dollars 145,354 Millions of U.S. Dollars 145,082 Millions of U.S. Dollars Mil. of U.S. $
line 32
Nonfinancial noncorporate business 		Q4 2025 58,108 Millions of U.S. Dollars 57,548 Millions of U.S. Dollars 56,543 Millions of U.S. Dollars Mil. of U.S. $
line 33
Federal government 		Q4 2025 2,400,268 Millions of U.S. Dollars 2,337,053 Millions of U.S. Dollars 2,253,951 Millions of U.S. Dollars Mil. of U.S. $
line 34
State and local governments 		Q4 2025 248,064 Millions of U.S. Dollars 244,385 Millions of U.S. Dollars 233,672 Millions of U.S. Dollars Mil. of U.S. $
line 35
Domestic financial sectors 		Q4 2025 37,138,113 Millions of U.S. Dollars 36,313,249 Millions of U.S. Dollars 35,215,818 Millions of U.S. Dollars Mil. of U.S. $
line 36
Monetary authority 		Q4 2025 95 Millions of U.S. Dollars 1,352 Millions of U.S. Dollars 4,563 Millions of U.S. Dollars Mil. of U.S. $
line 37
U.S.-chartered depository institutions 		Q4 2025 12,797,198 Millions of U.S. Dollars 12,534,649 Millions of U.S. Dollars 12,129,749 Millions of U.S. Dollars Mil. of U.S. $
line 38
Foreign banking offices in U.S. 		Q4 2025 1,280,237 Millions of U.S. Dollars 1,213,360 Millions of U.S. Dollars 1,144,631 Millions of U.S. Dollars Mil. of U.S. $
line 39
Banks in U.S.-affiliated areas 		Q4 2025 53,791 Millions of U.S. Dollars 52,870 Millions of U.S. Dollars 47,138 Millions of U.S. Dollars Mil. of U.S. $
line 40
Credit unions 		Q4 2025 1,734,502 Millions of U.S. Dollars 1,721,337 Millions of U.S. Dollars 1,663,593 Millions of U.S. Dollars Mil. of U.S. $
line 41
Property-casualty insurance companies 		Q4 2025 33,120 Millions of U.S. Dollars 33,236 Millions of U.S. Dollars 32,440 Millions of U.S. Dollars Mil. of U.S. $
line 42
Life insurance companies 		Q4 2025 1,146,197 Millions of U.S. Dollars 1,120,528 Millions of U.S. Dollars 1,071,618 Millions of U.S. Dollars Mil. of U.S. $
line 43
Private pension funds 		Q4 2025 31,498 Millions of U.S. Dollars 30,659 Millions of U.S. Dollars 28,543 Millions of U.S. Dollars Mil. of U.S. $
line 44
Federal government 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 45
State and local govt. retirement funds 		Q4 2025 5,273 Millions of U.S. Dollars 5,356 Millions of U.S. Dollars 5,210 Millions of U.S. Dollars Mil. of U.S. $
line 46
Mutual funds 		Q4 2025 116,371 Millions of U.S. Dollars 119,970 Millions of U.S. Dollars 121,435 Millions of U.S. Dollars Mil. of U.S. $
line 47
Government-sponsored enterprises 		Q4 2025 8,576,665 Millions of U.S. Dollars 8,535,888 Millions of U.S. Dollars 8,504,207 Millions of U.S. Dollars Mil. of U.S. $
line 48
Agency- and GSE-backed mortgage pools 		Q4 2025 3,209,878 Millions of U.S. Dollars 3,172,708 Millions of U.S. Dollars 3,044,587 Millions of U.S. Dollars Mil. of U.S. $
line 49
ABS issuers 		Q4 2025 1,476,762 Millions of U.S. Dollars 1,455,110 Millions of U.S. Dollars 1,344,740 Millions of U.S. Dollars Mil. of U.S. $
line 50
Finance companies 		Q4 2025 1,748,717 Millions of U.S. Dollars 1,755,632 Millions of U.S. Dollars 1,767,037 Millions of U.S. Dollars Mil. of U.S. $
line 51
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 52
Brokers and dealers 		Q4 2025 918,654 Millions of U.S. Dollars 867,039 Millions of U.S. Dollars 732,068 Millions of U.S. Dollars Mil. of U.S. $
line 53
Holding companies 		Q4 2025 37,429 Millions of U.S. Dollars 37,443 Millions of U.S. Dollars 36,267 Millions of U.S. Dollars Mil. of U.S. $
line 54
Funding corporations 		Q4 2025 12,375 Millions of U.S. Dollars 12,690 Millions of U.S. Dollars 8,848 Millions of U.S. Dollars Mil. of U.S. $
line 55
Rest of the world 		Q4 2025 1,119,898 Millions of U.S. Dollars 1,144,970 Millions of U.S. Dollars 1,073,183 Millions of U.S. Dollars Mil. of U.S. $
   

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