Annual

S1M.b 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/%
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 2025 Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		203,778,920 Millions of U.S. Dollars 189,507,832 Millions of U.S. Dollars 189,507,832 Millions of U.S. Dollars Mil. of U.S. $
line 2
Nonfinancial assets 		61,695,658 Millions of U.S. Dollars 60,023,972 Millions of U.S. Dollars 60,023,972 Millions of U.S. Dollars Mil. of U.S. $
line 3
Real estate 		52,015,266 Millions of U.S. Dollars 50,955,452 Millions of U.S. Dollars 50,955,452 Millions of U.S. Dollars Mil. of U.S. $
line 4
Households 		47,862,010 Millions of U.S. Dollars 46,891,453 Millions of U.S. Dollars 46,891,453 Millions of U.S. Dollars Mil. of U.S. $
line 5
Nonprofit organizations 		4,153,256 Millions of U.S. Dollars 4,063,999 Millions of U.S. Dollars 4,063,999 Millions of U.S. Dollars Mil. of U.S. $
line 6
Equipment (nonprofits) 		729,309 Millions of U.S. Dollars 681,682 Millions of U.S. Dollars 681,682 Millions of U.S. Dollars Mil. of U.S. $
line 7
Intellectual property products (nonprofits) 		297,305 Millions of U.S. Dollars 275,648 Millions of U.S. Dollars 275,648 Millions of U.S. Dollars Mil. of U.S. $
line 8
Consumer durable goods 		8,653,778 Millions of U.S. Dollars 8,111,190 Millions of U.S. Dollars 8,111,190 Millions of U.S. Dollars Mil. of U.S. $
line 9
Financial assets 		142,083,262 Millions of U.S. Dollars 129,483,860 Millions of U.S. Dollars 129,483,860 Millions of U.S. Dollars Mil. of U.S. $
line 10
Foreign deposits 		66,298 Millions of U.S. Dollars 56,562 Millions of U.S. Dollars 56,562 Millions of U.S. Dollars Mil. of U.S. $
line 11
Checkable deposits and currency 		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 12
Time and savings deposits 		9,125,387 Millions of U.S. Dollars 9,767,491 Millions of U.S. Dollars 9,767,491 Millions of U.S. Dollars Mil. of U.S. $
line 13
Money market fund shares 		5,187,439 Millions of U.S. Dollars 4,586,119 Millions of U.S. Dollars 4,586,119 Millions of U.S. Dollars Mil. of U.S. $
line 14
Debt securities 		5,878,261 Millions of U.S. Dollars 5,534,629 Millions of U.S. Dollars 5,534,629 Millions of U.S. Dollars Mil. of U.S. $
line 15
Treasury securities 		2,709,915 Millions of U.S. Dollars 2,371,740 Millions of U.S. Dollars 2,371,740 Millions of U.S. Dollars Mil. of U.S. $
line 16
Agency- and GSE-backed securities 		921,921 Millions of U.S. Dollars 1,030,438 Millions of U.S. Dollars 1,030,438 Millions of U.S. Dollars Mil. of U.S. $
line 17
Municipal securities 		2,052,445 Millions of U.S. Dollars 1,937,420 Millions of U.S. Dollars 1,937,420 Millions of U.S. Dollars Mil. of U.S. $
line 18
Corporate and foreign bonds 		193,980 Millions of U.S. Dollars 195,031 Millions of U.S. Dollars 195,031 Millions of U.S. Dollars Mil. of U.S. $
line 19
Loans 		930,528 Millions of U.S. Dollars 886,702 Millions of U.S. Dollars 886,702 Millions of U.S. Dollars Mil. of U.S. $
line 20
Other loans and advances 		856,785 Millions of U.S. Dollars 801,850 Millions of U.S. Dollars 801,850 Millions of U.S. Dollars Mil. of U.S. $
line 21
Mortgages 		61,985 Millions of U.S. Dollars 70,276 Millions of U.S. Dollars 70,276 Millions of U.S. Dollars Mil. of U.S. $
line 22
Consumer credit (student loans) 		11,758 Millions of U.S. Dollars 14,576 Millions of U.S. Dollars 14,576 Millions of U.S. Dollars Mil. of U.S. $
line 23
Corporate equities 		44,322,838 Millions of U.S. Dollars 36,999,300 Millions of U.S. Dollars 36,999,300 Millions of U.S. Dollars Mil. of U.S. $
line 24
Mutual fund shares 		13,410,400 Millions of U.S. Dollars 12,187,350 Millions of U.S. Dollars 12,187,350 Millions of U.S. Dollars Mil. of U.S. $
line 25
Trade receivables 		487,142 Millions of U.S. Dollars 451,030 Millions of U.S. Dollars 451,030 Millions of U.S. Dollars Mil. of U.S. $
line 26
Life insurance reserves 		2,168,245 Millions of U.S. Dollars 2,161,913 Millions of U.S. Dollars 2,161,913 Millions of U.S. Dollars Mil. of U.S. $
line 27
Pension entitlements 		34,493,042 Millions of U.S. Dollars 32,582,561 Millions of U.S. Dollars 32,582,561 Millions of U.S. Dollars Mil. of U.S. $
line 28
Equity in noncorporate business 		16,324,689 Millions of U.S. Dollars 16,038,803 Millions of U.S. Dollars 16,038,803 Millions of U.S. Dollars Mil. of U.S. $
line 29
Miscellaneous assets 		1,795,346 Millions of U.S. Dollars 1,708,497 Millions of U.S. Dollars 1,708,497 Millions of U.S. Dollars Mil. of U.S. $
line 30
Liabilities 		21,504,713 Millions of U.S. Dollars 20,786,322 Millions of U.S. Dollars 20,786,322 Millions of U.S. Dollars Mil. of U.S. $
line 31
Debt securities (municipal securities) 		234,358 Millions of U.S. Dollars 217,975 Millions of U.S. Dollars 217,975 Millions of U.S. Dollars Mil. of U.S. $
line 32
Loans 		20,697,420 Millions of U.S. Dollars 20,014,045 Millions of U.S. Dollars 20,014,045 Millions of U.S. Dollars Mil. of U.S. $
line 33
Home mortgages 		13,788,341 Millions of U.S. Dollars 13,394,548 Millions of U.S. Dollars 13,394,548 Millions of U.S. Dollars Mil. of U.S. $
line 34
Consumer credit 		5,098,821 Millions of U.S. Dollars 4,947,230 Millions of U.S. Dollars 4,947,230 Millions of U.S. Dollars Mil. of U.S. $
line 35
Depository institution loans n.e.c. 		661,294 Millions of U.S. Dollars 618,762 Millions of U.S. Dollars 618,762 Millions of U.S. Dollars Mil. of U.S. $
line 36
Other loans and advances 		568,683 Millions of U.S. Dollars 505,438 Millions of U.S. Dollars 505,438 Millions of U.S. Dollars Mil. of U.S. $
line 37
Commercial mortgages 		580,281 Millions of U.S. Dollars 548,067 Millions of U.S. Dollars 548,067 Millions of U.S. Dollars Mil. of U.S. $
line 38
Trade payables 		531,976 Millions of U.S. Dollars 514,772 Millions of U.S. Dollars 514,772 Millions of U.S. Dollars Mil. of U.S. $
line 39
Deferred and unpaid life insurance premiums 		40,959 Millions of U.S. Dollars 39,530 Millions of U.S. Dollars 39,530 Millions of U.S. Dollars Mil. of U.S. $
line 40
Net worth 		182,274,207 Millions of U.S. Dollars 168,721,510 Millions of U.S. Dollars 168,721,510 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 41
Assets held in IRAs 		18,725,000 Millions of U.S. Dollars 16,520,000 Millions of U.S. Dollars 16,520,000 Millions of U.S. Dollars Mil. of U.S. $
line 42
Assets held in 529 college plans 		602,937 Millions of U.S. Dollars 525,116 Millions of U.S. Dollars 525,116 Millions of U.S. Dollars Mil. of U.S. $
line 43
College savings plans 		576,674 Millions of U.S. Dollars 500,612 Millions of U.S. Dollars 500,612 Millions of U.S. Dollars Mil. of U.S. $
line 44
Prepaid tuition plans 		26,263 Millions of U.S. Dollars 24,504 Millions of U.S. Dollars 24,504 Millions of U.S. Dollars Mil. of U.S. $
Replacement-cost value of structures:
line 45
Residential 		29,392,764 Millions of U.S. Dollars 28,339,455 Millions of U.S. Dollars 28,339,455 Millions of U.S. Dollars Mil. of U.S. $
line 46
Households 		28,951,762 Millions of U.S. Dollars 27,911,336 Millions of U.S. Dollars 27,911,336 Millions of U.S. Dollars Mil. of U.S. $
line 47
Nonprofit organizations 		441,002 Millions of U.S. Dollars 428,119 Millions of U.S. Dollars 428,119 Millions of U.S. Dollars Mil. of U.S. $
line 48
Nonresidential (nonprofits) 		3,062,887 Millions of U.S. Dollars 2,966,082 Millions of U.S. Dollars 2,966,082 Millions of U.S. Dollars Mil. of U.S. $
line 49
Disposable personal income (DPI) (SAAR) 		22,866,177 Millions of U.S. Dollars 21,917,659 Millions of U.S. Dollars 21,917,659 Millions of U.S. Dollars Mil. of U.S. $
line 50
Net worth/DPI (percent) (line 40/line 49) 		797.13461 Percent 769.79715 Percent 769.79715 Percent %
line 51
Owners’ equity in real estate (line 4 less line 33) 		34,073,669 Millions of U.S. Dollars 33,496,905 Millions of U.S. Dollars 33,496,905 Millions of U.S. Dollars Mil. of U.S. $
line 52
Owners’ equity/real estate (percent) (line 51/line 4) 		71.19147 Percent 71.43499 Percent 71.43499 Percent %
   

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