Quarterly

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/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

   

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    Q4 1945    
 
 
    Q3 2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		Q3 2025 202,830,301 Millions of U.S. Dollars 196,539,545 Millions of U.S. Dollars 189,578,044 Millions of U.S. Dollars Mil. of U.S. $
line 2
Nonfinancial assets 		Q3 2025 61,596,678 Millions of U.S. Dollars 61,743,152 Millions of U.S. Dollars 60,321,812 Millions of U.S. Dollars Mil. of U.S. $
line 3
Real estate 		Q3 2025 52,056,885 Millions of U.S. Dollars 52,344,309 Millions of U.S. Dollars 51,361,144 Millions of U.S. Dollars Mil. of U.S. $
line 4
Households 		Q3 2025 48,035,160 Millions of U.S. Dollars 48,396,336 Millions of U.S. Dollars 47,315,706 Millions of U.S. Dollars Mil. of U.S. $
line 5
Nonprofit organizations 		Q3 2025 4,021,725 Millions of U.S. Dollars 3,947,973 Millions of U.S. Dollars 4,045,438 Millions of U.S. Dollars Mil. of U.S. $
line 6
Equipment (nonprofits) 		Q3 2025 716,207 Millions of U.S. Dollars 699,830 Millions of U.S. Dollars 676,808 Millions of U.S. Dollars Mil. of U.S. $
line 7
Intellectual property products (nonprofits) 		Q3 2025 289,603 Millions of U.S. Dollars 282,076 Millions of U.S. Dollars 270,479 Millions of U.S. Dollars Mil. of U.S. $
line 8
Consumer durable goods 		Q3 2025 8,533,983 Millions of U.S. Dollars 8,416,937 Millions of U.S. Dollars 8,013,381 Millions of U.S. Dollars Mil. of U.S. $
line 9
Financial assets 		Q3 2025 141,233,623 Millions of U.S. Dollars 134,796,393 Millions of U.S. Dollars 129,256,232 Millions of U.S. Dollars Mil. of U.S. $
line 10
Foreign deposits 		Q3 2025 61,188 Millions of U.S. Dollars 61,102 Millions of U.S. Dollars 57,496 Millions of U.S. Dollars Mil. of U.S. $
line 11
Checkable deposits and currency 		Q3 2025 4,826,466 Millions of U.S. Dollars 4,909,495 Millions of U.S. Dollars 4,473,930 Millions of U.S. Dollars Mil. of U.S. $
line 12
Time and savings deposits 		Q3 2025 9,929,190 Millions of U.S. Dollars 9,823,793 Millions of U.S. Dollars 9,739,401 Millions of U.S. Dollars Mil. of U.S. $
line 13
Money market fund shares 		Q3 2025 5,034,609 Millions of U.S. Dollars 4,848,716 Millions of U.S. Dollars 4,399,440 Millions of U.S. Dollars Mil. of U.S. $
line 14
Debt securities 		Q3 2025 6,133,325 Millions of U.S. Dollars 5,942,389 Millions of U.S. Dollars 5,897,879 Millions of U.S. Dollars Mil. of U.S. $
line 15
Treasury securities 		Q3 2025 2,960,851 Millions of U.S. Dollars 2,821,377 Millions of U.S. Dollars 2,745,250 Millions of U.S. Dollars Mil. of U.S. $
line 16
Agency- and GSE-backed securities 		Q3 2025 939,348 Millions of U.S. Dollars 953,755 Millions of U.S. Dollars 978,369 Millions of U.S. Dollars Mil. of U.S. $
line 17
Municipal securities 		Q3 2025 2,038,292 Millions of U.S. Dollars 1,972,505 Millions of U.S. Dollars 1,976,426 Millions of U.S. Dollars Mil. of U.S. $
line 18
Corporate and foreign bonds 		Q3 2025 194,834 Millions of U.S. Dollars 194,752 Millions of U.S. Dollars 197,834 Millions of U.S. Dollars Mil. of U.S. $
line 19
Loans 		Q3 2025 1,256,495 Millions of U.S. Dollars 1,244,723 Millions of U.S. Dollars 1,427,971 Millions of U.S. Dollars Mil. of U.S. $
line 20
Other loans and advances 		Q3 2025 1,176,030 Millions of U.S. Dollars 1,162,319 Millions of U.S. Dollars 1,341,616 Millions of U.S. Dollars Mil. of U.S. $
line 21
Mortgages 		Q3 2025 66,096 Millions of U.S. Dollars 67,700 Millions of U.S. Dollars 71,492 Millions of U.S. Dollars Mil. of U.S. $
line 22
Consumer credit (student loans) 		Q3 2025 14,369 Millions of U.S. Dollars 14,704 Millions of U.S. Dollars 14,863 Millions of U.S. Dollars Mil. of U.S. $
line 23
Corporate equities 		Q3 2025 46,000,725 Millions of U.S. Dollars 41,548,956 Millions of U.S. Dollars 38,334,815 Millions of U.S. Dollars Mil. of U.S. $
line 24
Mutual fund shares 		Q3 2025 13,589,148 Millions of U.S. Dollars 13,003,540 Millions of U.S. Dollars 12,547,595 Millions of U.S. Dollars Mil. of U.S. $
line 25
Trade receivables 		Q3 2025 478,114 Millions of U.S. Dollars 469,086 Millions of U.S. Dollars 441,905 Millions of U.S. Dollars Mil. of U.S. $
line 26
Life insurance reserves 		Q3 2025 2,254,202 Millions of U.S. Dollars 2,214,411 Millions of U.S. Dollars 2,150,760 Millions of U.S. Dollars Mil. of U.S. $
line 27
Pension entitlements 		Q3 2025 34,278,739 Millions of U.S. Dollars 33,437,946 Millions of U.S. Dollars 32,535,342 Millions of U.S. Dollars Mil. of U.S. $
line 28
Equity in noncorporate business 		Q3 2025 15,636,035 Millions of U.S. Dollars 15,549,140 Millions of U.S. Dollars 15,567,988 Millions of U.S. Dollars Mil. of U.S. $
line 29
Miscellaneous assets 		Q3 2025 1,755,388 Millions of U.S. Dollars 1,743,096 Millions of U.S. Dollars 1,681,710 Millions of U.S. Dollars Mil. of U.S. $
line 30
Liabilities 		Q3 2025 21,198,704 Millions of U.S. Dollars 20,971,934 Millions of U.S. Dollars 20,858,858 Millions of U.S. Dollars Mil. of U.S. $
line 31
Debt securities (municipal securities) 		Q3 2025 227,245 Millions of U.S. Dollars 224,232 Millions of U.S. Dollars 215,598 Millions of U.S. Dollars Mil. of U.S. $
line 32
Loans 		Q3 2025 20,404,566 Millions of U.S. Dollars 20,182,307 Millions of U.S. Dollars 20,093,534 Millions of U.S. Dollars Mil. of U.S. $
line 33
Home mortgages 		Q3 2025 13,640,941 Millions of U.S. Dollars 13,532,783 Millions of U.S. Dollars 13,270,171 Millions of U.S. Dollars Mil. of U.S. $
line 34
Consumer credit 		Q3 2025 5,042,134 Millions of U.S. Dollars 4,996,313 Millions of U.S. Dollars 5,027,784 Millions of U.S. Dollars Mil. of U.S. $
line 35
Depository institution loans n.e.c. 		Q3 2025 233,718 Millions of U.S. Dollars 243,123 Millions of U.S. Dollars 483,212 Millions of U.S. Dollars Mil. of U.S. $
line 36
Other loans and advances 		Q3 2025 961,134 Millions of U.S. Dollars 892,292 Millions of U.S. Dollars 806,502 Millions of U.S. Dollars Mil. of U.S. $
line 37
Commercial mortgages 		Q3 2025 526,639 Millions of U.S. Dollars 517,796 Millions of U.S. Dollars 505,865 Millions of U.S. Dollars Mil. of U.S. $
line 38
Trade payables 		Q3 2025 527,675 Millions of U.S. Dollars 523,374 Millions of U.S. Dollars 510,295 Millions of U.S. Dollars Mil. of U.S. $
line 39
Deferred and unpaid life insurance premiums 		Q3 2025 39,218 Millions of U.S. Dollars 42,021 Millions of U.S. Dollars 39,431 Millions of U.S. Dollars Mil. of U.S. $
line 40
Net worth 		Q3 2025 181,631,598 Millions of U.S. Dollars 175,567,611 Millions of U.S. Dollars 168,719,186 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 41
Assets held in IRAs 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 42
Assets held in 529 college plans 		Q3 2025 587,994 Millions of U.S. Dollars 567,827 Millions of U.S. Dollars 527,621 Millions of U.S. Dollars Mil. of U.S. $
line 43
College savings plans 		Q3 2025 561,865 Millions of U.S. Dollars 542,426 Millions of U.S. Dollars 502,010 Millions of U.S. Dollars Mil. of U.S. $
line 44
Prepaid tuition plans 		Q3 2025 26,129 Millions of U.S. Dollars 25,401 Millions of U.S. Dollars 25,611 Millions of U.S. Dollars Mil. of U.S. $
Replacement-cost value of structures:
line 45
Residential 		Q3 2025 29,337,176 Millions of U.S. Dollars 28,933,299 Millions of U.S. Dollars 28,122,289 Millions of U.S. Dollars Mil. of U.S. $
line 46
Households 		Q3 2025 28,896,274 Millions of U.S. Dollars 28,497,728 Millions of U.S. Dollars 27,697,267 Millions of U.S. Dollars Mil. of U.S. $
line 47
Nonprofit organizations 		Q3 2025 440,902 Millions of U.S. Dollars 435,571 Millions of U.S. Dollars 425,022 Millions of U.S. Dollars Mil. of U.S. $
line 48
Nonresidential (nonprofits) 		Q3 2025 3,017,456 Millions of U.S. Dollars 2,983,093 Millions of U.S. Dollars 2,942,295 Millions of U.S. Dollars Mil. of U.S. $
line 49
Disposable personal income (DPI) (SAAR) 		Q3 2025 22,945,378 Millions of U.S. Dollars 22,786,610 Millions of U.S. Dollars 22,002,574 Millions of U.S. Dollars Mil. of U.S. $
line 50
Net worth/DPI (percent) (line 40/line 49) 		Q3 2025 791.58250 Percent 770.48587 Percent 766.81567 Percent %
line 51
Owners’ equity in real estate (line 4 less line 33) 		Q3 2025 34,394,219 Millions of U.S. Dollars 34,863,553 Millions of U.S. Dollars 34,045,535 Millions of U.S. Dollars Mil. of U.S. $
line 52
Owners’ equity/real estate (percent) (line 51/line 4) 		Q3 2025 71.60218 Percent 72.03759 Percent 71.95398 Percent %
   

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