Quarterly

S14.b 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/%
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    Q4 1945    
 
 
    Q1 2026
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Assets 		Q1 2026 194,005,813 Millions of U.S. Dollars 193,966,862 Millions of U.S. Dollars 180,547,481 Millions of U.S. Dollars Mil. of U.S. $
line 2
Nonfinancial assets 		Q1 2026 57,623,144 Millions of U.S. Dollars 56,567,201 Millions of U.S. Dollars 55,734,398 Millions of U.S. Dollars Mil. of U.S. $
line 3
Real estate 		Q1 2026 48,723,342 Millions of U.S. Dollars 47,913,423 Millions of U.S. Dollars 47,493,275 Millions of U.S. Dollars Mil. of U.S. $
line 4
Consumer durable goods 		Q1 2026 8,899,802 Millions of U.S. Dollars 8,653,778 Millions of U.S. Dollars 8,241,123 Millions of U.S. Dollars Mil. of U.S. $
line 5
Financial assets 		Q1 2026 136,382,669 Millions of U.S. Dollars 137,399,661 Millions of U.S. Dollars 124,813,083 Millions of U.S. Dollars Mil. of U.S. $
line 6
Checkable deposits and currency 		Q1 2026 5,617,814 Millions of U.S. Dollars 5,351,655 Millions of U.S. Dollars 4,525,038 Millions of U.S. Dollars Mil. of U.S. $
line 7
Time deposits and short-term investments 		Q1 2026 8,834,692 Millions of U.S. Dollars 8,780,248 Millions of U.S. Dollars 9,490,936 Millions of U.S. Dollars Mil. of U.S. $
line 8
Money market fund shares 		Q1 2026 5,206,261 Millions of U.S. Dollars 5,116,853 Millions of U.S. Dollars 4,580,098 Millions of U.S. Dollars Mil. of U.S. $
line 9
Debt securities 		Q1 2026 5,863,594 Millions of U.S. Dollars 5,929,319 Millions of U.S. Dollars 5,650,519 Millions of U.S. Dollars Mil. of U.S. $
line 10
U.S. government and municipal securities 		Q1 2026 5,863,594 Millions of U.S. Dollars 5,929,319 Millions of U.S. Dollars 5,650,519 Millions of U.S. Dollars Mil. of U.S. $
line 11
Corporate and foreign bonds 		Q1 2026 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 		Q1 2026 962,114 Millions of U.S. Dollars 898,802 Millions of U.S. Dollars 934,890 Millions of U.S. Dollars Mil. of U.S. $
line 13
Other loans and advances 		Q1 2026 730,843 Millions of U.S. Dollars 664,941 Millions of U.S. Dollars 692,146 Millions of U.S. Dollars Mil. of U.S. $
line 14
Mortgages 		Q1 2026 60,864 Millions of U.S. Dollars 62,773 Millions of U.S. Dollars 67,455 Millions of U.S. Dollars Mil. of U.S. $
line 15
Corporate equities and mutual fund shares 		Q1 2026 55,146,149 Millions of U.S. Dollars 56,491,050 Millions of U.S. Dollars 47,415,914 Millions of U.S. Dollars Mil. of U.S. $
line 16
Life insurance reserves 		Q1 2026 2,167,929 Millions of U.S. Dollars 2,168,245 Millions of U.S. Dollars 2,141,256 Millions of U.S. Dollars Mil. of U.S. $
line 17
Pension entitlements 		Q1 2026 34,240,786 Millions of U.S. Dollars 34,564,558 Millions of U.S. Dollars 32,353,987 Millions of U.S. Dollars Mil. of U.S. $
line 18
Equity in noncorporate business 		Q1 2026 16,559,424 Millions of U.S. Dollars 16,317,577 Millions of U.S. Dollars 15,997,284 Millions of U.S. Dollars Mil. of U.S. $
line 19
Miscellaneous assets 		Q1 2026 1,783,906 Millions of U.S. Dollars 1,781,354 Millions of U.S. Dollars 1,723,161 Millions of U.S. Dollars Mil. of U.S. $
line 20
Liabilities 		Q1 2026 19,996,193 Millions of U.S. Dollars 19,963,401 Millions of U.S. Dollars 19,400,266 Millions of U.S. Dollars Mil. of U.S. $
line 21
Loans 		Q1 2026 19,950,529 Millions of U.S. Dollars 19,922,442 Millions of U.S. Dollars 19,357,818 Millions of U.S. Dollars Mil. of U.S. $
line 22
Home mortgages 		Q1 2026 13,820,984 Millions of U.S. Dollars 13,783,209 Millions of U.S. Dollars 13,448,100 Millions of U.S. Dollars Mil. of U.S. $
line 23
Consumer credit 		Q1 2026 5,073,031 Millions of U.S. Dollars 5,099,409 Millions of U.S. Dollars 4,963,307 Millions of U.S. Dollars Mil. of U.S. $
line 24
Depository institution loans n.e.c. 		Q1 2026 36,890 Millions of U.S. Dollars 35,766 Millions of U.S. Dollars 94,596 Millions of U.S. Dollars Mil. of U.S. $
line 25
Other loans and advances 		Q1 2026 1,019,624 Millions of U.S. Dollars 1,004,058 Millions of U.S. Dollars 851,815 Millions of U.S. Dollars Mil. of U.S. $
line 26
Deferred and unpaid life insurance premiums 		Q1 2026 45,664 Millions of U.S. Dollars 40,959 Millions of U.S. Dollars 42,448 Millions of U.S. Dollars Mil. of U.S. $
line 27
Net worth 		Q1 2026 174,009,620 Millions of U.S. Dollars 174,003,461 Millions of U.S. Dollars 161,147,215 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) 		Q1 2026 182,979,889 Millions of U.S. Dollars 182,866,812 Millions of U.S. Dollars 169,608,637 Millions of U.S. Dollars Mil. of U.S. $
line 29
Household and nonprofit total assets (B.101, line 1) 		Q1 2026 204,539,939 Millions of U.S. Dollars 204,373,493 Millions of U.S. Dollars 190,482,710 Millions of U.S. Dollars Mil. of U.S. $
line 30
Household total assets (B.101.h, line 1) 		Q1 2026 194,005,813 Millions of U.S. Dollars 193,966,862 Millions of U.S. Dollars 180,547,481 Millions of U.S. Dollars Mil. of U.S. $
line 31
Nonprofit total assets (B.101.n, line 1) 		Q1 2026 14,125,050 Millions of U.S. Dollars 13,926,289 Millions of U.S. Dollars 13,282,706 Millions of U.S. Dollars Mil. of U.S. $
line 32
Less: Nonprofit misc. assets (B.101.n, line 19) 		Q1 2026 3,721,917 Millions of U.S. Dollars 3,656,395 Millions of U.S. Dollars 3,462,313 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) 		Q1 2026 21,560,050 Millions of U.S. Dollars 21,506,681 Millions of U.S. Dollars 20,874,073 Millions of U.S. Dollars Mil. of U.S. $
line 35
Household liabilities (B.101.h, line 20) 		Q1 2026 19,996,193 Millions of U.S. Dollars 19,963,401 Millions of U.S. Dollars 19,400,266 Millions of U.S. Dollars Mil. of U.S. $
line 36
Nonprofit liabilities (B.101.n, line 20) 		Q1 2026 2,946,990 Millions of U.S. Dollars 2,910,542 Millions of U.S. Dollars 2,799,779 Millions of U.S. Dollars Mil. of U.S. $
line 37
Less: Nonprofit misc. liabilities (B.101.n, line 27) 		Q1 2026 1,383,133 Millions of U.S. Dollars 1,367,262 Millions of U.S. Dollars 1,325,972 Millions of U.S. Dollars Mil. of U.S. $
   

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