Quarterly

B.101.e Balance Sheet of Households and Nonprofit Organizations with Equity Detail

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    
 
 
    Q4 2025
Line Name Q4 2025 Q3 2025 Q4 2024 Units
line 1
Assets 		205,613,279 Millions of U.S. Dollars 203,201,977 Millions of U.S. Dollars 190,464,400 Millions of U.S. Dollars Mil. of U.S. $
line 2
Nonfinancial assets 		61,747,410 Millions of U.S. Dollars 61,953,381 Millions of U.S. Dollars 60,083,108 Millions of U.S. Dollars Mil. of U.S. $
line 3
Financial assets 		143,865,869 Millions of U.S. Dollars 141,248,596 Millions of U.S. Dollars 130,381,292 Millions of U.S. Dollars Mil. of U.S. $
line 4
Deposits 		20,532,595 Millions of U.S. Dollars 19,884,291 Millions of U.S. Dollars 19,204,165 Millions of U.S. Dollars Mil. of U.S. $
line 5
Debt securities 		6,147,393 Millions of U.S. Dollars 6,051,640 Millions of U.S. Dollars 5,812,930 Millions of U.S. Dollars Mil. of U.S. $
line 6
Loans 		1,245,742 Millions of U.S. Dollars 1,256,413 Millions of U.S. Dollars 1,201,171 Millions of U.S. Dollars Mil. of U.S. $
line 7
Equity shares at market value 		67,772,125 Millions of U.S. Dollars 66,206,813 Millions of U.S. Dollars 57,460,355 Millions of U.S. Dollars Mil. of U.S. $
line 8
Directly held 		47,185,751 Millions of U.S. Dollars 45,740,377 Millions of U.S. Dollars 39,055,045 Millions of U.S. Dollars Mil. of U.S. $
line 9
Indirectly held 		20,586,374 Millions of U.S. Dollars 20,466,437 Millions of U.S. Dollars 18,405,310 Millions of U.S. Dollars Mil. of U.S. $
line 10
Life insurance companies 		1,736,946 Millions of U.S. Dollars 1,772,009 Millions of U.S. Dollars 1,711,682 Millions of U.S. Dollars Mil. of U.S. $
line 11
Private pension funds 		8,090,735 Millions of U.S. Dollars 7,981,932 Millions of U.S. Dollars 7,031,380 Millions of U.S. Dollars Mil. of U.S. $
line 12
Federal govt. retirement funds 		715,715 Millions of U.S. Dollars 700,654 Millions of U.S. Dollars 633,784 Millions of U.S. Dollars Mil. of U.S. $
line 13
State and local govt. retirement funds 		146,791 Millions of U.S. Dollars 146,183 Millions of U.S. Dollars 132,921 Millions of U.S. Dollars Mil. of U.S. $
line 14
Mutual funds 		9,896,187 Millions of U.S. Dollars 9,865,659 Millions of U.S. Dollars 8,895,543 Millions of U.S. Dollars Mil. of U.S. $
line 15
Other 		42,166,456 Millions of U.S. Dollars 41,957,330 Millions of U.S. Dollars 41,196,650 Millions of U.S. Dollars Mil. of U.S. $
line 16
Liabilities 		21,507,665 Millions of U.S. Dollars 21,269,345 Millions of U.S. Dollars 20,845,159 Millions of U.S. Dollars Mil. of U.S. $
line 17
Net worth 		184,105,614 Millions of U.S. Dollars 181,932,632 Millions of U.S. Dollars 169,619,241 Millions of U.S. Dollars Mil. of U.S. $
Memo:
Equity shares (line 7) as a percent of
line 19
Financial assets (line 3) 		47.10786 Percent 46.87255 Percent 44.07101 Percent %
line 18
Total assets (line 1) 		32.96097 Percent 32.58178 Percent 30.16855 Percent %
Debt securities (line 5) as a percent of
   

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