Web exercise 1

One of the best sources of information about financial institutions is the u.s. flow of funds report produced by the federal reserve. This document contains data on most financial intermedies. Go to www.federalreserve.gov/releases/Z1/. Go to the most current release. You may have to install Acrobat reader if your computer does not already have it; the site has a link to download for free. Go to the level tables and answer the following questions.

What percentage of assets do commercial banks hold in loans? What percentage of assets are held in mortgage loans?

What percentage of assets do savings and loans hold on mortgage loans?

What percentage of assets do credit unions hold in mortgage loans and in consumer loans?

Financial Accounts of the United States - Z.1

Current Release

Release Dates

Enhanced Financial Accounts

Financial Accounts Guide

Technical Q&As

Announcements

L.111 U.S.-Chartered Depository Institutions

2016:Q4Release Date: March 9, 2017

Billions of dollars; amounts outstanding end of period, not seasonally adjusted

Description	Series code	2014	2015	2016	2015 Q3	2015 Q4	2016 Q1	2016 Q2	2016 Q3	2016 Q4	Line
U.S.-chartered depository institutions, including IBFs; total financial assets	FL764090005	13646.6	14182.2	14898.5	13948.6	14182.2	14387.7	14571.0	14813.3	14898.5	1
U.S.-chartered depository institutions; vault cash; asset	FL763025000	75.6	74.2	76.0	67.6	74.2	69.8	73.3	65.1	76.0	2
U.S.-chartered depository institutions; depository institution reserves; asset	FL763013005	1443.6	1235.6	1139.9	1278.8	1235.6	1311.8	1217.6	1256.8	1139.9	3
U.S.-chartered depository institutions, including IBFs; federal funds and security repurchase agreements; asset	FL762050005	185.0	209.8	218.5	212.3	209.8	205.6	215.6	234.4	218.5	4
U.S.-chartered depository institutions; debt securities; asset	FL764022005	3153.9	3368.3	3655.4	3276.3	3368.3	3387.3	3430.1	3547.5	3655.4	5
U.S.-chartered depository institutions; open market paper; asset	FL763069175	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6
U.S.-chartered depository institutions; Treasury securities; asset	FL763061100	420.4	435.2	531.2	420.9	435.2	435.1	445.8	487.8	531.2	7
U.S.-chartered depository institutions; agency- and GSE-backed securities; asset	FL763061705	1760.3	1924.7	2072.1	1861.5	1924.7	1930.1	1948.6	2006.0	2072.1	8
U.S.-chartered depository institutions; agency issued residential mortgage pass-through securities; asset	FL763061803	979.7	1129.7	1281.9	1077.8	1129.7	1130.1	1158.6	1217.9	1281.9	9
U.S.-chartered depository institutions; agency issued commercial mortgage pass-through securities; asset	FL763061303	42.4	61.5	83.1	53.8	61.5	66.4	71.0	79.7	83.1	10
U.S.-chartered depository institutions; agency issued residential CMOs and other structured MBS; asset	FL763061603	444.0	443.9	421.4	440.8	443.9	442.0	432.0	429.6	421.4	11
U.S.-chartered depository institutions; agency issued commercial CMOs and other structured MBS; asset	FL763061403	81.4	96.7	125.2	89.4	96.7	105.4	112.0	117.0	125.2	12
U.S.-chartered depository institutions; agency- and GSE-backed securities, excluding MBS and CMOs; asset	FL763061795	212.7	193.0	160.4	199.6	193.0	186.3	175.0	161.8	160.4	13
U.S.-chartered depository institutions; municipal securities; asset	FL763062000	451.5	498.9	549.2	488.1	498.9	507.5	524.1	535.6	549.2	14
U.S.-chartered depository institutions, including IBFs; corporate and foreign bonds; asset	FL763063005	521.7	509.5	502.9	505.8	509.5	514.5	511.5	518.1	502.9	15
U.S.-chartered depository institutions; private residential mortgage-backed securities; asset	FL763063673	22.7	14.7	9.5	17.1	14.7	12.8	11.0	9.9	9.5	16
U.S.-chartered depository institutions; private commercial mortgage-backed securities; asset	FL763063653	5.6	3.0	3.5	3.2	3.0	2.3	2.1	2.3	3.5	17
U.S.-chartered depository institutions; private residential CMOs and other structured MBS; asset	FL763063663	68.2	56.2	44.8	60.8	56.2	53.8	52.4	48.9	44.8	18
U.S.-chartered depository institutions; private commercial CMOs and other structured MBS; asset	FL763063693	42.7	53.3	42.8	50.0	53.3	52.4	51.2	45.0	42.8	19
U.S.-chartered depository institutions, including IBFs; corporate and foreign bonds, excluding private MBS and CMOs; asset	FL763063095	382.6	382.3	402.3	374.8	382.3	393.3	394.8	412.0	402.3	20
U.S.-chartered depository institutions; loans; asset	FL764023005	7670.0	8189.9	8671.4	7990.8	8189.9	8275.2	8456.2	8565.5	8671.4	21
U.S.-chartered depository institutions, including IBFs; depository institution loans n.e.c.; asset	FL763068005	2236.2	2465.3	2601.8	2377.9	2465.3	2529.2	2577.4	2594.5	2601.8	22
U.S.-chartered depository institutions; customers' liability on acceptances; asset	FL763069703	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	23
U.S.-chartered depository institutions; total mortgages; asset	FL763065005	4090.7	4296.3	4537.5	4229.2	4296.3	4340.2	4432.2	4495.3	4537.5	24
U.S.-chartered depository institutions; consumer credit; asset	FL763066000	1343.1	1428.3	1532.1	1383.6	1428.3	1405.8	1446.6	1475.7	1532.1	25
U.S.-chartered depository institutions; corporate equities; asset	LM763064105	108.5	100.0	106.2	94.0	100.0	93.6	97.2	100.8	106.2	26
U.S.-chartered depository institutions; mutual fund shares; asset	LM763064203	59.7	54.9	58.0	53.5	54.9	56.3	57.7	57.0	58.0	27
U.S.-chartered depository institutions; life insurance reserves; asset	FL763040005	149.6	156.2	161.8	154.5	156.2	157.6	159.0	160.5	161.8	28
U.S.-chartered depository institutions; U.S. direct investment abroad; asset	FL763092000	261.0	253.2	237.9	262.1	253.2	254.6	241.2	243.7	237.9	29
U.S.-chartered depository institutions; total miscellaneous assets	FL763090005	539.5	540.1	573.4	558.8	540.1	576.0	623.0	582.1	573.4	30
U.S.-chartered depository institutions, including IBFs; total liabilities	FL764190005	14294.1	14797.0	15498.9	14506.1	14797.0	14999.1	15222.0	15452.3	15498.9	31
U.S.-chartered depository institutions; net interbank transactions; liability	FL764110005	282.3	229.5	87.3	164.7	229.5	184.9	155.9	146.8	87.3	32
Monetary authority; Federal Reserve float; asset	FL713022003	-0.6	-0.0	-0.8	-0.1	-0.0	-1.2	-1.3	-0.7	-0.8	33
Monetary authority; loans to domestic banks, including AMLF; asset	FL713068705	0.1	0.1	0.1	0.3	0.1	0.1	0.2	0.2	0.1	34
U.S.-chartered depository institutions; net interbank transactions with U.S. banking; liability	FL764112005	12.0	-5.0	-14.7	-3.9	-5.0	-17.7	-25.2	-19.8	-14.7	35
U.S.-chartered depository institutions, including IBFs; net interbank transactions with banks in foreign countries; liability	FL764116005	270.7	234.3	102.7	168.4	234.3	203.6	182.2	167.1	102.7	36
U.S.-chartered depository institutions; checkable deposits; liability	FL763127005	1716.1	1766.4	1879.7	1671.9	1766.4	1778.8	1815.0	1853.0	1879.7	37
U.S.-chartered depository institutions; checkable deposits due to the federal government, including demand notes issued to U.S. Treasury and tax and loan accounts; liability	FL763123005	2.5	2.3	2.2	2.3	2.3	2.2	2.1	2.1	2.2	38
U.S.-chartered depository institutions; checkable deposits due to private domestic sectors; liability	FL763129205	1657.1	1720.5	1822.4	1628.5	1720.5	1726.8	1763.4	1795.6	1822.4	39
U.S.-chartered depository institutions; checkable deposits due to rest of the world; liability	FL763122605	56.5	43.6	55.1	41.0	43.6	49.8	49.5	55.4	55.1	40
U.S.-chartered depository institutions, including IBFs; total time and savings deposits; liability	FL763130005	8509.1	8993.2	9574.1	8854.9	8993.2	9164.0	9208.3	9420.7	9574.1	41
U.S.-chartered depository institutions, including IBFs; federal funds and security repurchase agreements; liability	FL762150005	236.2	196.8	162.6	205.9	196.8	193.7	184.1	180.1	162.6	42
U.S.-chartered depository institutions; debt securities; liability	FL764122005	263.5	254.2	232.8	247.3	254.2	263.4	257.0	245.9	232.8	43
U.S.-chartered depository institutions; open market paper; liability	FL763169175	54.5	53.6	49.0	51.1	53.6	56.6	55.5	52.3	49.0	44
U.S.-chartered depository institutions; corporate and foreign bonds; liability	FL763163005	209.0	200.6	183.7	196.2	200.6	206.9	201.5	193.6	183.7	45
U.S.-chartered depository institutions; FHLB advances and Sallie Mae loans; liability	FL763169305	468.2	498.7	567.3	460.2	498.7	484.5	549.0	546.2	567.3	46
U.S.-chartered depository institutions; taxes payable (net); liability	FL763178003	-32.3	-36.7	-36.7	-32.2	-36.7	-26.3	-21.9	-21.9	-36.7	47
U.S.-chartered depository institutions; total miscellaneous liabilities	FL763190005	2851.0	2894.9	3031.8	2933.5	2894.9	2956.1	3074.5	3081.5	3031.8	48
U.S.-chartered depository institutions; net transactions due to holding companies, excluding foreign bank subsidiaries; liability	FL763194735	2133.2	2175.3	2293.5	2162.3	2175.3	2213.1	2284.4	2320.8	2293.5	49
U.S.-chartered depository institutions, including IBFs; unidentified miscellaneous liabilities	FL763193005	717.8	719.6	738.3	771.1	719.6	743.0	790.2	760.7	738.3	50
U.S.-chartered depository institutions; leases to households; asset (Call Report; consolidated)(1)	FL763066303	8.6	8.0	9.4	8.3	8.0	8.1	8.3	9.0	9.4	51
U.S.-chartered depository institutions, including IBFs; total uninsured checkable and time and savings deposits; liability(2)	FL763139105	4186.4	4428.4	4725.7	4318.6	4428.4	4480.4	4543.3	4662.2	4725.7	52

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NOTES

Receivables from operating leases, such as consumer automobile leases, are booked as current income when payments are received and are not included in financial assets (or household liabilities). The leased automobile is a nonfinancial asset.

Includes checkable deposits (line 37) and time and savings deposits (line 41) not insured by the Federal Deposit Insurance Corporation.