Federal Reserve Economic Data

Annual

B.101 Balance Sheet of Households and Nonprofit Organizations

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    
 
 
    2024
Line Name 2024 Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		190,234,749 Millions of Dollars 176,521,014 Millions of Dollars 176,521,014 Millions of Dollars Mil. of $
line 2
Nonfinancial assets 		60,080,508 Millions of Dollars 57,680,864 Millions of Dollars 57,680,864 Millions of Dollars Mil. of $
line 3
Real estate 		51,011,988 Millions of Dollars 48,912,521 Millions of Dollars 48,912,521 Millions of Dollars Mil. of $
line 4
Households 		46,928,562 Millions of Dollars 44,796,549 Millions of Dollars 44,796,549 Millions of Dollars Mil. of $
line 5
Nonprofit organizations 		4,083,426 Millions of Dollars 4,115,972 Millions of Dollars 4,115,972 Millions of Dollars Mil. of $
line 6
Equipment (nonprofits) 		681,682 Millions of Dollars 653,471 Millions of Dollars 653,471 Millions of Dollars Mil. of $
line 7
Intellectual property products (nonprofits) 		275,648 Millions of Dollars 258,301 Millions of Dollars 258,301 Millions of Dollars Mil. of $
line 8
Consumer durable goods 		8,111,190 Millions of Dollars 7,856,571 Millions of Dollars 7,856,571 Millions of Dollars Mil. of $
line 9
Financial assets 		130,154,241 Millions of Dollars 118,840,150 Millions of Dollars 118,840,150 Millions of Dollars Mil. of $
line 10
Foreign deposits 		56,595 Millions of Dollars 50,819 Millions of Dollars 50,819 Millions of Dollars Mil. of $
line 11
Checkable deposits and currency 		4,635,845 Millions of Dollars 4,424,326 Millions of Dollars 4,424,326 Millions of Dollars Mil. of $
line 12
Time and savings deposits 		9,798,961 Millions of Dollars 9,836,351 Millions of Dollars 9,836,351 Millions of Dollars Mil. of $
line 13
Money market fund shares 		4,709,092 Millions of Dollars 4,029,586 Millions of Dollars 4,029,586 Millions of Dollars Mil. of $
line 14
Debt securities 		5,822,214 Millions of Dollars 5,566,787 Millions of Dollars 5,566,787 Millions of Dollars Mil. of $
line 15
Treasury securities 		2,634,636 Millions of Dollars 2,523,929 Millions of Dollars 2,523,929 Millions of Dollars Mil. of $
line 16
Agency- and GSE-backed securities 		1,052,816 Millions of Dollars 975,210 Millions of Dollars 975,210 Millions of Dollars Mil. of $
line 17
Municipal securities 		1,939,731 Millions of Dollars 1,868,667 Millions of Dollars 1,868,667 Millions of Dollars Mil. of $
line 18
Corporate and foreign bonds 		195,031 Millions of Dollars 198,981 Millions of Dollars 198,981 Millions of Dollars Mil. of $
line 19
Loans 		1,201,166 Millions of Dollars 1,355,937 Millions of Dollars 1,355,937 Millions of Dollars Mil. of $
line 20
Other loans and advances 		1,115,381 Millions of Dollars 1,263,406 Millions of Dollars 1,263,406 Millions of Dollars Mil. of $
line 21
Mortgages 		70,380 Millions of Dollars 73,931 Millions of Dollars 73,931 Millions of Dollars Mil. of $
line 22
Consumer credit (student loans) 		15,405 Millions of Dollars 18,600 Millions of Dollars 18,600 Millions of Dollars Mil. of $
line 23
Corporate equities 		38,996,748 Millions of Dollars 32,241,947 Millions of Dollars 32,241,947 Millions of Dollars Mil. of $
line 24
Mutual fund shares 		12,339,211 Millions of Dollars 11,084,701 Millions of Dollars 11,084,701 Millions of Dollars Mil. of $
line 25
Trade receivables 		451,030 Millions of Dollars 414,530 Millions of Dollars 414,530 Millions of Dollars Mil. of $
line 26
Life insurance reserves 		2,161,913 Millions of Dollars 2,060,475 Millions of Dollars 2,060,475 Millions of Dollars Mil. of $
line 27
Pension entitlements 		32,620,796 Millions of Dollars 30,632,064 Millions of Dollars 30,632,064 Millions of Dollars Mil. of $
line 28
Equity in noncorporate business 		15,652,173 Millions of Dollars 15,527,043 Millions of Dollars 15,527,043 Millions of Dollars Mil. of $
line 29
Miscellaneous assets 		1,708,497 Millions of Dollars 1,615,584 Millions of Dollars 1,615,584 Millions of Dollars Mil. of $
line 30
Liabilities 		20,807,331 Millions of Dollars 20,456,669 Millions of Dollars 20,456,669 Millions of Dollars Mil. of $
line 31
Debt securities (municipal securities) 		216,165 Millions of Dollars 207,760 Millions of Dollars 207,760 Millions of Dollars Mil. of $
line 32
Loans 		20,036,864 Millions of Dollars 19,712,673 Millions of Dollars 19,712,673 Millions of Dollars Mil. of $
line 33
Home mortgages 		13,381,169 Millions of Dollars 13,017,058 Millions of Dollars 13,017,058 Millions of Dollars Mil. of $
line 34
Consumer credit 		4,948,069 Millions of Dollars 4,988,253 Millions of Dollars 4,988,253 Millions of Dollars Mil. of $
line 35
Depository institution loans n.e.c. 		351,494 Millions of Dollars 475,307 Millions of Dollars 475,307 Millions of Dollars Mil. of $
line 36
Other loans and advances 		849,059 Millions of Dollars 737,929 Millions of Dollars 737,929 Millions of Dollars Mil. of $
line 37
Commercial mortgages 		507,073 Millions of Dollars 494,126 Millions of Dollars 494,126 Millions of Dollars Mil. of $
line 38
Trade payables 		514,772 Millions of Dollars 496,864 Millions of Dollars 496,864 Millions of Dollars Mil. of $
line 39
Deferred and unpaid life insurance premiums 		39,530 Millions of Dollars 39,372 Millions of Dollars 39,372 Millions of Dollars Mil. of $
line 40
Net worth 		169,427,418 Millions of Dollars 156,064,345 Millions of Dollars 156,064,345 Millions of Dollars Mil. of $
Memo:
line 41
Assets held in IRAs 		17,000,000 Millions of Dollars 15,000,000 Millions of Dollars 15,000,000 Millions of Dollars Mil. of $
line 42
Assets held in 529 college plans 		525,183 Millions of Dollars 471,169 Millions of Dollars 471,169 Millions of Dollars Mil. of $
line 43
College savings plans 		500,612 Millions of Dollars 446,579 Millions of Dollars 446,579 Millions of Dollars Mil. of $
line 44
Prepaid tuition plans 		24,571 Millions of Dollars 24,590 Millions of Dollars 24,590 Millions of Dollars Mil. of $
Replacement-cost value of structures:
line 45
Residential 		28,339,455 Millions of Dollars 27,411,522 Millions of Dollars 27,411,522 Millions of Dollars Mil. of $
line 46
Households 		27,911,336 Millions of Dollars 26,996,160 Millions of Dollars 26,996,160 Millions of Dollars Mil. of $
line 47
Nonprofit organizations 		428,119 Millions of Dollars 415,362 Millions of Dollars 415,362 Millions of Dollars Mil. of $
line 48
Nonresidential (nonprofits) 		2,966,082 Millions of Dollars 2,883,971 Millions of Dollars 2,883,971 Millions of Dollars Mil. of $
line 49
Disposable personal income (DPI) (SAAR) 		21,917,659 Millions of Dollars 20,749,273 Millions of Dollars 20,749,273 Millions of Dollars Mil. of $
line 50
Net worth/DPI (percent) (line 40/line 49) 		773.01788 Percent 752.14369 Percent 752.14369 Percent %
line 51
Owners’ equity in real estate (line 4 less line 33) 		33,547,393 Millions of Dollars 31,779,491 Millions of Dollars 31,779,491 Millions of Dollars Mil. of $
line 52
Owners’ equity/real estate (percent) (line 51/line 4) 		71.48609 Percent 70.94183 Percent 70.94183 Percent %
   

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