Financial Accounts of the United States - Z.1
Financial accounts matrix-transactions (1) 🕮 PDF
Billions of dollars; seasonally adjusted
| Line | Description | Households and Nonprofit Organizations | Nonfinancial Business | Federal Government | State and Local Governments | Domestic Nonfinancial Sectors | Domestic Financial Sectors | Rest of the World | All Sectors | Instrument Discrepancy | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Use | Source | Use | Source | Use | Source | Use | Source | Use | Source | Use | Source | Use | Source | Use | Source | |||
| Column 1 | Column 2 | Column 3 | Column 4 | Column 5 | Column 6 | Column 7 | Column 8 | Column 9 | Column 10 | Column 11 | Column 12 | Column 13 | Column 14 | Column 15 | Column 16 | Column 17 | ||
| Line 1 | Gross saving less net cap. transfers | -- | 4073.8 | -- | 3710.9 | -- | -1507.9 | -- | 347.1 | -- | 6623.8 | -- | 688.6 | -- | 1134.4 | -- | 8446.8 | -- |
| Line 2 | Capital consumption | -- | 2625.9 | -- | 2932.9 | -- | 417.6 | -- | 431.7 | -- | 6408.1 | -- | 369.0 | -- | -- | -- | 6777.1 | -- |
| Line 3 | Net saving (1 less 2) | -- | 1447.9 | -- | 778.0 | -- | -1925.5 | -- | -84.6 | -- | 215.8 | -- | 319.5 | -- | 1134.4 | -- | 1669.7 | -- |
| Line 4 | Gross investment (5 plus 11) | 4808.3 | -- | 3503.4 | -- | -1309.8 | -- | 317.1 | -- | 7319.0 | -- | 934.3 | -- | 802.5 | -- | 9055.8 | -- | -609.0 |
| Line 5 | Capital expenditures | 3407.8 | -- | 3699.9 | -- | 470.8 | -- | 661.4 | -- | 8239.8 | -- | 443.3 | -- | 0.0 | -- | 8683.2 | -- | -236.4 |
| Line 6 | Consumer durables | 2114.8 | -- | -- | -- | -- | -- | -- | -- | 2114.8 | -- | -- | -- | -- | -- | 2114.8 | -- | -- |
| Line 7 | Residential | 985.2 | -- | 207.5 | -- | 3.0 | -- | 7.9 | -- | 1203.6 | -- | -- | -- | -- | -- | 1203.6 | -- | -- |
| Line 8 | Nonresidential | 326.2 | -- | 3481.3 | -- | 467.9 | -- | 631.0 | -- | 4906.4 | -- | 443.3 | -- | -- | -- | 5349.7 | -- | -- |
| Line 9 | Inventory change | -- | -- | 15.1 | -- | -- | -- | -- | -- | 15.1 | -- | -- | -- | -- | -- | 15.1 | -- | -- |
| Line 10 | Nonproduced nonfinancial assets | -18.3 | -- | -4.1 | -- | -0.1 | -- | 22.5 | -- | -0.0 | -- | -- | -- | 0.0 | -- | -- | -- | -- |
| Line 11 | Net lending (+) or net borrowing (-) | 1400.5 | -- | -196.5 | -- | -1780.6 | -- | -344.3 | -- | -920.8 | -- | 491.0 | -- | 802.4 | -- | 372.6 | -- | -372.6 |
| Line 12 | Net acquisition of financial assets | 2109.6 | -- | 2041.6 | -- | 362.3 | -- | 151.4 | -- | 4665.0 | -- | 5600.4 | -- | 2625.1 | -- | 12890.6 | -- | -- |
| Line 13 | Net increase in liabilities and equity | -- | 709.1 | -- | 2238.1 | -- | 2142.9 | -- | 495.7 | -- | 5585.8 | -- | 5109.5 | -- | 1822.7 | -- | 12518.0 | -- |
| Line 14 | Monetary gold and SDRs | -- | -- | -- | -- | -1.2 | 0.0 | -- | -- | -1.2 | 0.0 | -- | -- | 0.0 | -1.2 | -1.2 | -1.2 | -- |
| Line 15 | Interbank assets and liabilities | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 136.5 | 197.1 | 233.0 | 173.3 | 369.5 | 370.4 | 0.9 |
| Line 16 | Checkable dep. and currency | 1058.7 | -- | 299.8 | -- | 150.4 | 0.4 | 40.8 | -- | 1549.7 | 0.4 | 82.6 | 1690.3 | 57.5 | -- | 1689.8 | 1690.7 | 0.8 |
| Line 17 | Time and savings deposits | -692.7 | -- | 111.7 | -- | -0.2 | -- | -20.3 | -- | -601.4 | -- | 6.9 | -537.1 | 57.4 | -- | -537.1 | -537.1 | -- |
| Line 18 | Other deposits | 10.8 | -- | 8.8 | -- | 12.6 | 0.0 | -- | -- | 32.3 | 0.0 | -1.9 | 0.9 | -- | 193.2 | 30.4 | 194.1 | 163.7 |
| Line 19 | Money market fund shares | 621.8 | -- | 145.5 | -- | -- | -- | -1.0 | -- | 766.2 | -- | 154.0 | 947.1 | 26.9 | -- | 947.1 | 947.1 | -- |
| Line 20 | Debt securities | -170.8 | 16.2 | 42.5 | 269.9 | 0.2 | 1931.6 | 86.5 | 157.2 | -41.7 | 2374.8 | 2282.9 | 595.5 | 944.5 | 215.3 | 3185.7 | 3185.7 | -- |
| Line 21 | Open market paper | -- | -- | 17.0 | 20.9 | -- | -- | 32.1 | -- | 49.1 | 20.9 | 90.8 | 108.8 | 8.6 | 18.9 | 148.6 | 148.6 | -- |
| Line 22 | Treasury securities | 276.2 | -- | 20.0 | -- | -- | 1930.2 | 31.4 | -- | 327.6 | 1930.2 | 1093.0 | -- | 509.6 | -- | 1930.2 | 1930.2 | -- |
| Line 23 | Agency- and GSE-backed sec. | -142.4 | -- | 5.0 | -- | 0.0 | 1.4 | 14.0 | -- | -123.4 | 1.4 | 274.8 | 211.8 | 61.8 | -- | 213.2 | 213.2 | -- |
| Line 24 | Municipal securities | 99.1 | 16.2 | 0.5 | 15.3 | -- | -- | 2.2 | 157.2 | 101.8 | 188.7 | 80.9 | -- | 6.1 | -- | 188.7 | 188.7 | -- |
| Line 25 | Corporate and fgn. bonds | -403.6 | -- | -0.0 | 233.7 | 0.2 | -- | 6.7 | -- | -396.8 | 233.7 | 743.4 | 275.0 | 358.4 | 196.4 | 705.0 | 705.0 | -- |
| Line 26 | Loans | 118.9 | 674.2 | 32.0 | 551.7 | 110.1 | 360.7 | 11.1 | 3.6 | 272.1 | 1590.2 | 2774.6 | 433.0 | 276.8 | 781.3 | 3323.5 | 2804.5 | -518.9 |
| Line 27 | Fed. funds and security repos | -- | -- | 29.5 | -- | 0.0 | -- | 12.8 | -- | 42.3 | -- | 864.1 | 195.5 | 230.3 | 422.2 | 1136.7 | 617.7 | -518.9 |
| Line 28 | Depository inst. loans n.e.c. | -- | -9.8 | -- | 120.8 | -- | -- | -- | 2.9 | -- | 113.9 | 583.5 | 114.7 | -- | 354.8 | 583.5 | 583.5 | -- |
| Line 29 | Consumer credit | -3.0 | 107.0 | 0.0 | -- | 60.1 | -- | -- | -- | 57.0 | 107.0 | 49.9 | -- | -- | -- | 107.0 | 107.0 | -- |
| Line 30 | Mortgages | -5.9 | 422.1 | 2.5 | 278.6 | 7.6 | 0.0 | 14.5 | -- | 18.7 | 700.6 | 682.0 | -- | -- | -- | 700.6 | 700.6 | -- |
| Line 31 | Other loans and advances | 127.9 | 155.0 | -- | 152.4 | 42.4 | 360.7 | -16.2 | 0.7 | 154.1 | 668.7 | 595.1 | 122.7 | 46.5 | 4.3 | 795.7 | 795.7 | -- |
| Line 32 | Corporate equities | 863.5 | -- | -197.6 | -304.1 | 9.9 | -- | -14.1 | -- | 661.7 | -304.1 | -213.2 | 1279.8 | 643.7 | 116.5 | 1092.2 | 1092.2 | -- |
| Line 33 | U.S. direct investment: equity | -- | -- | 390.6 | -- | -- | -- | -- | -- | 390.6 | -- | 7.1 | -- | -- | 397.7 | 397.7 | 397.7 | -- |
| Line 34 | Foreign direct investment: equity | -- | -- | -- | 293.7 | -- | -- | -- | -- | -- | 293.7 | -- | 6.3 | 300.0 | -- | 300.0 | 300.0 | -- |
| Line 35 | Miscellaneous other equity | 92.5 | -- | 0.7 | 62.1 | -0.9 | -- | -- | -- | 92.3 | 62.1 | 77.4 | 105.9 | -- | 1.8 | 169.8 | 169.8 | -- |
| Line 36 | Mutual fund shares | -185.2 | -- | -24.4 | -- | -- | -- | -4.7 | -- | -214.2 | -- | -638.8 | -787.7 | 65.2 | -- | -787.7 | -787.7 | -- |
| Line 37 | Life insurance reserves | -42.8 | -- | -- | -- | -- | 2.6 | -- | -- | -42.8 | 2.6 | 6.0 | -36.1 | 0.0 | -3.3 | -36.8 | -36.8 | -- |
| Line 38 | Pension entitlements | 327.0 | -- | -- | -- | -- | -- | -- | -- | 327.0 | -- | -11.6 | 325.6 | -0.0 | -10.2 | 315.5 | 315.5 | -- |
| Line 39 | Trade credit | 36.1 | 17.2 | 501.9 | 433.3 | 5.3 | 50.5 | 30.3 | 76.4 | 573.6 | 577.4 | 14.0 | -9.3 | 1.6 | -4.0 | 589.3 | 564.1 | -25.1 |
| Line 40 | Taxes payable | -- | -- | -- | -45.4 | 76.0 | -- | 12.3 | -- | 88.3 | -45.4 | -- | 24.0 | -- | -- | 88.3 | -21.4 | -109.7 |
| Line 41 | U.S. direct investment: debt | -- | -- | -82.4 | -- | -- | -- | -- | -- | -82.4 | -- | -5.2 | -- | -- | -87.6 | -87.6 | -87.6 | -- |
| Line 42 | Foreign direct investment: debt | -- | -- | -- | -24.2 | -- | -- | -- | -- | -- | -24.2 | -- | 12.6 | -11.6 | -- | -11.6 | -11.6 | -- |
| Line 43 | Miscellaneous | 71.8 | 1.4 | 812.6 | 1001.2 | -- | -202.8 | 10.4 | 258.5 | 894.9 | 1058.3 | 928.9 | 861.5 | 30.2 | 49.9 | 1854.0 | 1969.8 | 115.8 |
| Line 44 | Sector discrepancies (1 less 4) | -734.6 | -- | 207.5 | -- | -198.1 | -- | 30.0 | -- | -695.2 | -- | -245.8 | -- | 332.0 | -- | -609.0 | -- | -609.0 |
NOTES
- General Notes: U = use of funds; S = source of funds. Domestic nonfinancial sectors (columns 9 and 10) are households and nonprofit organizations, nonfinancial business, state and local governments, and federal government.
Last Update: June 11, 2026