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Table 1. Household Sector Net Worth
Trillions of 2009 dollars
Quarter Household Sector Net Worth
1991-Q1 $ 31.46
1991-Q2 $ 31.28
1991-Q3 $ 31.43
1991-Q4 $ 32.12
1992-Q1 $ 32.03
1992-Q2 $ 31.84
1992-Q3 $ 32.07
1992-Q4 $ 32.79
1993-Q1 $ 33.09
1993-Q2 $ 33.19
1993-Q3 $ 33.55
1993-Q4 $ 33.99
1994-Q1 $ 33.84
1994-Q2 $ 33.88
1994-Q3 $ 34.21
1994-Q4 $ 34.36
1995-Q1 $ 35.02
1995-Q2 $ 35.72
1995-Q3 $ 36.57
1995-Q4 $ 37.29
1996-Q1 $ 37.97
1996-Q2 $ 38.54
1996-Q3 $ 38.91
1996-Q4 $ 39.31
1997-Q1 $ 39.42
1997-Q2 $ 41.52
1997-Q3 $ 42.91
1997-Q4 $ 43.33
1998-Q1 $ 45.64
1998-Q2 $ 46.31
1998-Q3 $ 44.48
1998-Q4 $ 47.90
1999-Q1 $ 48.56
1999-Q2 $ 50.21
1999-Q3 $ 49.39
1999-Q4 $ 53.53
2000-Q1 $ 54.91
2000-Q2 $ 54.10
2000-Q3 $ 54.30
2000-Q4 $ 52.44
2001-Q1 $ 50.57
2001-Q2 $ 51.73
2001-Q3 $ 49.18
2001-Q4 $ 51.15
2002-Q1 $ 51.70
2002-Q2 $ 49.86
2002-Q3 $ 47.61
2002-Q4 $ 48.75
2003-Q1 $ 48.50
2003-Q2 $ 50.84
2003-Q3 $ 51.83
2003-Q4 $ 54.57
2004-Q1 $ 55.64
2004-Q2 $ 56.28
2004-Q3 $ 56.40
2004-Q4 $ 59.13
2005-Q1 $ 59.99
2005-Q2 $ 61.48
2005-Q3 $ 63.13
2005-Q4 $ 64.33
2006-Q1 $ 66.61
2006-Q2 $ 65.38
2006-Q3 $ 65.60
2006-Q4 $ 67.45
2007-Q1 $ 67.57
2007-Q2 $ 67.88
2007-Q3 $ 67.44
2007-Q4 $ 65.84
2008-Q1 $ 62.89
2008-Q2 $ 60.76
2008-Q3 $ 56.95
2008-Q4 $ 51.68
2009-Q1 $ 48.96
2009-Q2 $ 50.69
2009-Q3 $ 53.08
2009-Q4 $ 53.77
2010-Q1 $ 54.95
2010-Q2 $ 53.28
2010-Q3 $ 54.18

Note: 2007-Q3 to 2009-Q3 is the range of the 2007 and 2009 surveys discussed

Table 2. Household Sector Net Worth and Personal Saving as a Percent of Disposable Personal Income
Quarter Household Sector Net Worth (trillions of 2009 dollars) Personal saving as a percentage of disposable personal income
1991-Q1 $ 31.46 7.0
1991-Q2 $ 31.28 7.0
1991-Q3 $ 31.43 6.8
1991-Q4 $ 32.12 7.4
1992-Q1 $ 32.03 7.4
1992-Q2 $ 31.84 7.6
1992-Q3 $ 32.07 7.0
1992-Q4 $ 32.79 7.4
1993-Q1 $ 33.09 5.6
1993-Q2 $ 33.19 6.2
1993-Q3 $ 33.55 5.4
1993-Q4 $ 33.99 6.0
1994-Q1 $ 33.84 4.6
1994-Q2 $ 33.88 5.4
1994-Q3 $ 34.21 5.3
1994-Q4 $ 34.36 5.6
1995-Q1 $ 35.02 6.1
1995-Q2 $ 35.72 5.2
1995-Q3 $ 36.57 5.0
1995-Q4 $ 37.29 4.8
1996-Q1 $ 37.97 4.9
1996-Q2 $ 38.54 4.8
1996-Q3 $ 38.91 5.0
1996-Q4 $ 39.31 4.7
1997-Q1 $ 39.42 4.6
1997-Q2 $ 41.52 4.9
1997-Q3 $ 42.91 4.4
1997-Q4 $ 43.33 4.6
1998-Q1 $ 45.64 5.8
1998-Q2 $ 46.31 5.5
1998-Q3 $ 44.48 5.2
1998-Q4 $ 47.90 4.5
1999-Q1 $ 48.56 4.3
1999-Q2 $ 50.21 3.0
1999-Q3 $ 49.39 2.4
1999-Q4 $ 53.53 2.6
2000-Q1 $ 54.91 3.1
2000-Q2 $ 54.10 3.1
2000-Q3 $ 54.30 3.1
2000-Q4 $ 52.44 2.4
2001-Q1 $ 50.57 2.8
2001-Q2 $ 51.73 2.1
2001-Q3 $ 49.18 4.2
2001-Q4 $ 51.15 1.6
2002-Q1 $ 51.70 4.0
2002-Q2 $ 49.86 4.0
2002-Q3 $ 47.61 3.1
2002-Q4 $ 48.75 3.1
2003-Q1 $ 48.50 3.1
2003-Q2 $ 50.84 3.5
2003-Q3 $ 51.83 3.6
2003-Q4 $ 54.57 3.6
2004-Q1 $ 55.64 3.2
2004-Q2 $ 56.28 3.6
2004-Q3 $ 56.40 3.3
2004-Q4 $ 59.13 3.6
2005-Q1 $ 59.99 1.6
2005-Q2 $ 61.48 1.3
2005-Q3 $ 63.13 1.2
2005-Q4 $ 64.33 1.5
2006-Q1 $ 66.61 2.2
2006-Q2 $ 65.38 2.5
2006-Q3 $ 65.60 2.3
2006-Q4 $ 67.45 2.5
2007-Q1 $ 67.57 2.3
2007-Q2 $ 67.88 2.0
2007-Q3 $ 67.44 1.8
2007-Q4 $ 65.84 2.1
2008-Q1 $ 62.89 2.7
2008-Q2 $ 60.76 4.8
2008-Q3 $ 56.95 3.6
2008-Q4 $ 51.68 5.2
2009-Q1 $ 48.96 5.4
2009-Q2 $ 50.69 7.2
2009-Q3 $ 53.08 5.6
2009-Q4 $ 53.77 5.5
2010-Q1 $ 54.95 5.5
2010-Q2 $ 53.28 6.2
2010-Q3 $ 54.18 6.0
2010-Q4 ND 5.4

Note: 2007-Q3 to 2009-Q3 is the range of the 2007 and 2009 surveys discussed

ND No data Return to table

Table 3. Distribution of families by change in wealth relative to usual income, 2007-2009
Change relative to usual income Percent
Lost >6 months 43.3
Lost 1 to 6 months 15.4
+/- 1 month 9.1
Gain 1 to 6 months 11.1
Gain >6 months 21.1

Table 4. Distribution of families by ratio of 2007 net worth to usual income
Ratio of 2007 wealth to income Percent
< .5 26.5
.5 to 1 8.7
1 to 3 21.1
3 to 5 13.6
>5 30.2

Table 5. Distribution of families by change in wealth relative to usual income, 2007-2009
Percent
Change relative to usual income All families Familes with a head aged 50 to 61
Lost >6 months 43.3 48.6
Lost 1 to 6 months 15.4 13.3
+/- 1 month 9.1 7.2
Gain 1 to 6 months 11.1 8.5
Gain >6 months 21.1 22.4

Table 6. Share of families unwilling to take financial risk, wealth change relative to income and for families with a head aged 50 to 61
Percent
Year Lost >6 months +/- 6 months Gain >6 months
2007 30.4 44.5 33.9
2009 35.2 54.2 38.6

Table 7. Median precautionary savings, by year, wealth change relative to income and for families with a head aged 50 to 61
Thousands of 2009 dollars
Year Lost >6 months +/- 6 months Gain >6 months
2007 7.2 5.2 5.2
2009 10.0 5.0 10.0

Table 8. Share of families willing to spend more if wealth increases, wealth change relative to income and for families with a head aged 50 to 61
Percent
Year Lost >6 months +/- 6 months Gain >6 months
2007 28.1 28.7 17.9
2009 25.4 20.8 18.8

Table 9. Share of families willing to spend more (less) if wealth increases (decreases) wealth change relative to income and for families with a head aged 50 to 61, 2009 SCF
Percent
Category Lost >6 months +/- 6 months Gain >6 months
Spend more if wealth increases 25.4 20.8 18.8
Spend less if wealth decreases 65.4 61.8 58.1

Table 10. Distribution of families by change in wealth relative to usual income 2007-2009 Business ownership in 2007
Category All families Families with a business in 2007
Lost >6 months 43.3 56.7
Lost 1 to 6 months 15.4 10.0
+/- 1 month 9.1 3.2
Gain 1 to 6 months 11.1 4.8
Gain >6 months 21.1 25.3

Table 11. Change in family net worth 2007-2009, by industry of primary business and by wealth change relative to usual income
Category Loss >6 months Gain >6 months
Agriculture, Forestry 10.2 12.6
Mining & Construction 19.7 13.4
Manufacturing 6.4 5.9
Wholesale & Retail Trade 11.5 18.3
Finance, Insurance, Real Estate 12.9 13.5
Utilities, Transportation & Services 39.3 36.4

Table 12. Personal credit application experiences, families with businesses in 2007 and 2009, by change in net worth relative to usual income
Category Loss >6 months Gain >6 months
Applied 53.3 55.9
Denied 14.3 7.8
Did not apply, feared denial 7.9 1.6

Table 13. Business credit application experiences, families with businesses in 2007 and 2009, by change in net worth relative to usual income
Category Loss >6 months Gain >6 months
Applied 23.1 29.8
Denied 8.4 8.4
Did not apply, feared denial 6.3 4.5

Last Update: March 24, 2011