Annual

B.101.h Balance Sheet of Households

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/

   

Please select a date range

    1945    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		2025 195,209,942 Millions of U.S. Dollars 180,474,591 Millions of U.S. Dollars 180,474,591 Millions of U.S. Dollars Mil. of U.S. $
line 2
Nonfinancial assets 		2025 56,569,163 Millions of U.S. Dollars 55,039,487 Millions of U.S. Dollars 55,039,487 Millions of U.S. Dollars Mil. of U.S. $
line 3
Real estate 		2025 47,915,616 Millions of U.S. Dollars 46,928,297 Millions of U.S. Dollars 46,928,297 Millions of U.S. Dollars Mil. of U.S. $
line 4
Consumer durable goods 		2025 8,653,547 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 5
Financial assets 		2025 138,640,779 Millions of U.S. Dollars 125,435,104 Millions of U.S. Dollars 125,435,104 Millions of U.S. Dollars Mil. of U.S. $
line 6
Checkable deposits and currency 		2025 5,606,622 Millions of U.S. Dollars 4,318,134 Millions of U.S. Dollars 4,318,134 Millions of U.S. Dollars Mil. of U.S. $
line 7
Time deposits and short-term investments 		2025 8,921,093 Millions of U.S. Dollars 9,494,566 Millions of U.S. Dollars 9,494,566 Millions of U.S. Dollars Mil. of U.S. $
line 8
Money market fund shares 		2025 5,075,101 Millions of U.S. Dollars 4,492,022 Millions of U.S. Dollars 4,492,022 Millions of U.S. Dollars Mil. of U.S. $
line 9
Debt securities 		2025 5,877,865 Millions of U.S. Dollars 5,533,361 Millions of U.S. Dollars 5,533,361 Millions of U.S. Dollars Mil. of U.S. $
line 10
U.S. government and municipal securities 		2025 5,877,865 Millions of U.S. Dollars 5,533,361 Millions of U.S. Dollars 5,533,361 Millions of U.S. Dollars Mil. of U.S. $
line 11
Corporate and foreign bonds 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 12
Loans 		2025 899,236 Millions of U.S. Dollars 898,851 Millions of U.S. Dollars 898,851 Millions of U.S. Dollars Mil. of U.S. $
line 13
Other loans and advances 		2025 665,224 Millions of U.S. Dollars 651,124 Millions of U.S. Dollars 651,124 Millions of U.S. Dollars Mil. of U.S. $
line 14
Mortgages 		2025 62,924 Millions of U.S. Dollars 68,846 Millions of U.S. Dollars 68,846 Millions of U.S. Dollars Mil. of U.S. $
line 15
Corporate equities and mutual fund shares 		2025 57,673,841 Millions of U.S. Dollars 48,369,976 Millions of U.S. Dollars 48,369,976 Millions of U.S. Dollars Mil. of U.S. $
line 16
Life insurance reserves 		2025 2,201,189 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 17
Pension entitlements 		2025 34,591,606 Millions of U.S. Dollars 32,620,691 Millions of U.S. Dollars 32,620,691 Millions of U.S. Dollars Mil. of U.S. $
line 18
Equity in noncorporate business 		2025 16,001,132 Millions of U.S. Dollars 15,837,093 Millions of U.S. Dollars 15,837,093 Millions of U.S. Dollars Mil. of U.S. $
line 19
Miscellaneous assets 		2025 1,793,095 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 20
Liabilities 		2025 19,955,095 Millions of U.S. Dollars 19,387,552 Millions of U.S. Dollars 19,387,552 Millions of U.S. Dollars Mil. of U.S. $
line 21
Loans 		2025 19,913,955 Millions of U.S. Dollars 19,348,022 Millions of U.S. Dollars 19,348,022 Millions of U.S. Dollars Mil. of U.S. $
line 22
Home mortgages 		2025 13,767,145 Millions of U.S. Dollars 13,381,166 Millions of U.S. Dollars 13,381,166 Millions of U.S. Dollars Mil. of U.S. $
line 23
Consumer credit 		2025 5,106,630 Millions of U.S. Dollars 4,948,060 Millions of U.S. Dollars 4,948,060 Millions of U.S. Dollars Mil. of U.S. $
line 24
Depository institution loans n.e.c. 		2025 35,858 Millions of U.S. Dollars 169,737 Millions of U.S. Dollars 169,737 Millions of U.S. Dollars Mil. of U.S. $
line 25
Other loans and advances 		2025 1,004,322 Millions of U.S. Dollars 849,059 Millions of U.S. Dollars 849,059 Millions of U.S. Dollars Mil. of U.S. $
line 26
Deferred and unpaid life insurance premiums 		2025 41,140 Millions of U.S. Dollars 39,530 Millions of U.S. Dollars 39,530 Millions of U.S. Dollars Mil. of U.S. $
line 27
Net worth 		2025 175,254,847 Millions of U.S. Dollars 161,087,039 Millions of U.S. Dollars 161,087,039 Millions of U.S. Dollars Mil. of U.S. $
Memo:
Reconciliation with household and
nonprofit organization sector net worth:
line 28
Household and nonprofit net worth (B.101, line 40) 		2025 184,105,614 Millions of U.S. Dollars 169,619,241 Millions of U.S. Dollars 169,619,241 Millions of U.S. Dollars Mil. of U.S. $
line 29
Household and nonprofit total assets (B.101, line 1) 		2025 205,613,279 Millions of U.S. Dollars 190,464,400 Millions of U.S. Dollars 190,464,400 Millions of U.S. Dollars Mil. of U.S. $
line 30
Household total assets (B.101.h, line 1) 		2025 195,209,942 Millions of U.S. Dollars 180,474,591 Millions of U.S. Dollars 180,474,591 Millions of U.S. Dollars Mil. of U.S. $
line 31
Nonprofit total assets (B.101.n, line 1) 		2025 13,916,702 Millions of U.S. Dollars 13,283,165 Millions of U.S. Dollars 13,283,165 Millions of U.S. Dollars Mil. of U.S. $
line 32
Less: Nonprofit misc. assets (B.101.n, line 19) 		2025 3,656,395 Millions of U.S. Dollars 3,398,197 Millions of U.S. Dollars 3,398,197 Millions of U.S. Dollars Mil. of U.S. $
line 33
Less: Nonprofit other notes and loans receivable 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 34
Less: Household and nonprofit liabilities (B.101, line 30) 		2025 21,507,665 Millions of U.S. Dollars 20,845,159 Millions of U.S. Dollars 20,845,159 Millions of U.S. Dollars Mil. of U.S. $
line 35
Household liabilities (B.101.h, line 20) 		2025 19,955,095 Millions of U.S. Dollars 19,387,552 Millions of U.S. Dollars 19,387,552 Millions of U.S. Dollars Mil. of U.S. $
line 36
Nonprofit liabilities (B.101.n, line 20) 		2025 2,910,542 Millions of U.S. Dollars 2,762,858 Millions of U.S. Dollars 2,762,858 Millions of U.S. Dollars Mil. of U.S. $
line 37
Less: Nonprofit misc. liabilities (B.101.n, line 27) 		2025 1,357,972 Millions of U.S. Dollars 1,305,251 Millions of U.S. Dollars 1,305,251 Millions of U.S. Dollars Mil. of U.S. $
   

Back to Top

Subscribe to the FRED newsletter

Follow us

 

Need Help?

Questions or Comments
FRED Help
Legal
Privacy Notice & Policy