Financial Accounts of the United States - Z.1
Financial Accounts Matrix--Transactions for 2024
Billions of dollars; seasonally adjustedDescription |
Households and Nonprofit Organizations; Use |
Households and Nonprofit Organizations; Source |
Nonfinancial Business; Use |
Nonfinancial Business; Source |
Federal Government; Use |
Federal Government; Source |
State and Local Governments; Use |
State and Local Governments; Source |
Domestic Nonfinancial Sectors; Use |
Domestic Nonfinancial Sectors; Source |
Domestic Financial Sectors; Use |
Domestic Financial Sectors; Source |
Rest of the World; Use |
Rest of the World; Source |
All Sectors; Use |
All Sectors; Source |
Instrument Discrep- ancy; |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross saving less net cap. transfers | -- | 3889.9 | -- | 3660.9 | -- | -1594.8 | -- | 474.6 | -- | 6430.7 | -- | 618.7 | -- | 1083.1 | -- | 8132.5 | -- |
| Capital consumption | -- | 2511.5 | -- | 2782.3 | -- | 397.9 | -- | 412.1 | -- | 6103.8 | -- | 342.8 | -- | -- | -- | 6446.6 | -- |
| Net saving (1 less 2) | -- | 1378.4 | -- | 878.6 | -- | -1992.7 | -- | 62.5 | -- | 326.9 | -- | 275.9 | -- | 1083.1 | -- | 1685.9 | -- |
| Gross investment (5 plus 11) | 5053.6 | -- | 3353.2 | -- | -1547.6 | -- | 461.8 | -- | 7321 | -- | 572.9 | -- | 871 | -- | 8764.8 | -- | -632.3 |
| Capital expenditures | 3234.6 | -- | 3631 | -- | 461.4 | -- | 626.6 | -- | 7953.6 | -- | 377.5 | -- | -0.2 | -- | 8330.9 | -- | -198.4 |
| Capital expenditures; Consumer durables | 1985 | -- | -- | -- | -- | -- | -- | -- | 1985 | -- | -- | -- | -- | -- | 1985 | -- | -- |
| Capital expenditures; Residential | 970.9 | -- | 215.1 | -- | 1.4 | -- | 7.8 | -- | 1195.2 | -- | -- | -- | -- | -- | 1195.2 | -- | -- |
| Capital expenditures; Nonresidential | 292.2 | -- | 3365.1 | -- | 460.4 | -- | 603.4 | -- | 4721.2 | -- | 377.5 | -- | -- | -- | 5098.7 | -- | -- |
| Capital expenditures; Inventory change | -- | -- | 51.9 | -- | -- | -- | -- | -- | 51.9 | -- | -- | -- | -- | -- | 51.9 | -- | -- |
| Capital expenditures; Nonproduced nonfinancial assets | -13.6 | -- | -1.2 | -- | -0.4 | -- | 15.4 | -- | 0.2 | -- | -- | -- | -0.2 | -- | -- | -- | -- |
| Net lending (+) or net borrowing (-) | 1819 | -- | -277.8 | -- | -2009 | -- | -164.8 | -- | -632.6 | -- | 195.3 | -- | 871.2 | -- | 433.9 | -- | -433.9 |
| Net acquisition of financial assets | 2456.2 | -- | 576.8 | -- | 42.5 | -- | 246.9 | -- | 3322.4 | -- | 3159 | -- | 1797.7 | -- | 8279 | -- | -- |
| Net increase in liabilities and equity | -- | 637.1 | -- | 854.6 | -- | 2051.5 | -- | 411.7 | -- | 3955 | -- | 2963.6 | -- | 926.5 | -- | 7845.1 | -- |
| Net increase in liabilities and equity; Monetary gold and SDRs | -- | -- | -- | -- | 5.1 | -- | -- | -- | 5.1 | -- | -- | -- | -- | 5.1 | 5.1 | 5.1 | -- |
| Net increase in liabilities and equity; Interbank assets and liabilities | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -471.8 | -420.3 | -66.4 | -106.9 | -538.3 | -527.2 | 11.1 |
| Net increase in liabilities and equity; Checkable dep. and currency | 189.3 | -- | 312.5 | -- | -49 | 0.5 | 15 | -- | 467.8 | 0.5 | 34.7 | 518.3 | 14.4 | -- | 516.8 | 518.8 | 2 |
| Net increase in liabilities and equity; Time and savings deposits | -7 | -- | 23 | -- | 0.3 | -- | -0.2 | -- | 16 | -- | -4.9 | 39.7 | 28.7 | -- | 39.7 | 39.7 | -- |
| Net increase in liabilities and equity; Other deposits | 5.8 | -- | -33.6 | -- | -3.3 | -- | -- | -- | -31 | -- | -10.1 | 1.2 | -- | 98.1 | -41.1 | 99.3 | 140.4 |
| Net increase in liabilities and equity; Money market fund shares | 688.2 | -- | 91.9 | -- | -- | -- | 9.9 | -- | 790 | -- | 64.1 | 885.6 | 31.5 | -- | 885.6 | 885.6 | -- |
| Net increase in liabilities and equity; Fed. funds and security repos | -- | -- | 16.8 | -- | -- | -- | 16.1 | -- | 33 | -- | 127.7 | -336.9 | 31 | -0.1 | 191.7 | -337 | -528.7 |
| Net increase in liabilities and equity; Debt securities | -21.8 | 8.3 | 11.1 | 263.2 | -0.1 | 1913.2 | 179 | 97.4 | 168.4 | 2282.2 | 1862.1 | 559.7 | 1014.2 | 202.9 | 3044.7 | 3044.7 | -- |
| Net increase in liabilities and equity; Debt securities; Open market paper | -- | -- | -6.8 | -21.6 | -- | -- | -1.8 | -- | -8.6 | -21.6 | -16.6 | 36.7 | 17 | -23.3 | -8.2 | -8.2 | -- |
| Net increase in liabilities and equity; Debt securities; Treasury securities | 105.3 | -- | 16.6 | -- | -- | 1912.9 | 134.5 | -- | 256.4 | 1912.9 | 1047.4 | -- | 609.1 | -- | 1912.9 | 1912.9 | -- |
| Net increase in liabilities and equity; Debt securities; Agency- and GSE-backed sec. | 50.3 | -- | 3.7 | -- | -- | 0.3 | 25.6 | -- | 79.6 | 0.3 | 133 | 298.3 | 86 | -- | 298.6 | 298.6 | -- |
| Net increase in liabilities and equity; Debt securities; Municipal securities | 91.8 | 8.3 | 0.8 | 13.1 | -- | -- | 4 | 97.4 | 96.6 | 118.8 | 16.5 | -- | 5.7 | -- | 118.8 | 118.8 | -- |
| Net increase in liabilities and equity; Debt securities; Corporate and fgn. bonds | -269.2 | -- | -3.2 | 271.8 | -0.1 | -- | 16.7 | -- | -255.7 | 271.8 | 681.8 | 224.6 | 296.5 | 226.2 | 722.6 | 722.6 | -- |
| Net increase in liabilities and equity; Loans | 1.3 | 598.7 | 5.4 | 378.1 | 103.2 | 231.7 | 12.4 | -4.6 | 122.4 | 1203.9 | 1223.9 | 15.5 | 21.8 | 148.6 | 1368 | 1368 | -- |
| Net increase in liabilities and equity; Loans; Depository inst. loans n.e.c. | -- | 18.2 | -- | 43.9 | -- | -- | -- | -5.8 | -- | 56.3 | 210.9 | 30.2 | -- | 124.5 | 210.9 | 210.9 | -- |
| Net increase in liabilities and equity; Loans; Other loans and advances | 8.1 | 105.4 | -- | 132.1 | 39.6 | 231.7 | 7.1 | 1.2 | 54.7 | 470.4 | 403.4 | -14.7 | 21.8 | 24.1 | 479.9 | 479.9 | -- |
| Net increase in liabilities and equity; Loans; Mortgages | -3.6 | 376.4 | 5.4 | 202 | 7.9 | -- | 5.4 | -- | 15.1 | 578.4 | 563.3 | -- | -- | -- | 578.4 | 578.4 | -- |
| Net increase in liabilities and equity; Loans; Consumer credit | -3.2 | 98.8 | -- | -- | 55.8 | -- | -- | -- | 52.6 | 98.8 | 46.3 | -- | -- | -- | 98.8 | 98.8 | -- |
| Net increase in liabilities and equity; U.S. direct investment: debt | -- | -- | -11.9 | -- | -- | -- | -- | -- | -11.9 | -- | -1.7 | -- | -- | -13.6 | -13.6 | -13.6 | -- |
| Net increase in liabilities and equity; Foreign direct investment: debt | -- | -- | -- | 23.4 | -- | -- | -- | -- | -- | 23.4 | -- | -21.7 | 1.7 | -- | 1.7 | 1.7 | -- |
| Net increase in liabilities and equity; Corporate equities | 1074.8 | -- | -336.9 | -397.9 | -- | -- | -18.3 | -- | 719.6 | -397.9 | -154.7 | 993.1 | 179.8 | 149.5 | 744.7 | 744.7 | -- |
| Net increase in liabilities and equity; U.S. direct investment: equity | -- | -- | 259.7 | -- | -- | -- | -- | -- | 259.7 | -- | 71.3 | -- | -- | 331 | 331 | 331 | -- |
| Net increase in liabilities and equity; Foreign direct investment: equity | -- | -- | -- | 232.2 | -- | -- | -- | -- | -- | 232.2 | -- | 58.4 | 290.6 | -- | 290.6 | 290.6 | -- |
| Net increase in liabilities and equity; Miscellaneous other equity | 22 | -- | 1 | 5.2 | -1.7 | -- | -- | -- | 21.3 | 5.2 | 67.9 | 81.7 | -- | 2.2 | 89.2 | 89.2 | -- |
| Net increase in liabilities and equity; Mutual fund shares | -87.8 | -- | 41.9 | -- | -- | -- | -2.4 | -- | -48.3 | -- | -214.4 | -168.1 | 94.6 | -- | -168.1 | -168.1 | -- |
| Net increase in liabilities and equity; Life insurance reserves | 58.4 | -- | -- | -- | -- | 2.2 | -- | -- | 58.4 | 2.2 | 4.2 | 65.4 | 0.3 | -4.7 | 62.9 | 62.9 | -- |
| Net increase in liabilities and equity; Pension entitlements | 406.1 | -- | -- | -- | -- | -- | -- | -- | 406.1 | -- | 129.6 | 422.4 | 1.2 | 114.6 | 537 | 537 | -- |
| Net increase in liabilities and equity; Trade credit | 34.9 | 29.9 | 117.5 | 125.1 | 4.3 | 31.4 | 8.8 | 72 | 165.4 | 258.3 | 4.6 | 105.8 | 155.7 | 5.3 | 325.6 | 369.4 | 43.8 |
| Net increase in liabilities and equity; Taxes payable | -- | -- | -- | -3 | -16.4 | -- | 10 | -- | -6.4 | -3 | -- | 4.6 | -- | -- | -6.4 | 1.6 | 8 |
| Net increase in liabilities and equity; Miscellaneous | 91.9 | 0.2 | 78.3 | 228.3 | -- | -127.5 | 16.6 | 247 | 186.8 | 348 | 426.6 | 159.1 | -1.3 | -5.6 | 612.1 | 501.5 | -110.6 |
| Sector discrepancies (1 less 4) | -1163.7 | -- | 307.8 | -- | -47.2 | -- | 12.8 | -- | -890.3 | -- | 45.8 | -- | 212.2 | -- | -632.3 | -- | -632.3 |
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: September 11, 2025