Charge-Off Rate on Loans to Finance Agricultural Production, All Commercial Banks
Seasonally Adjusted
CORLAGACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.20
Year-over-Year Change
81.82%
Date Range
1/1/1985 - 1/1/2025
Summary
Seasonally adjusted data removes predictable seasonal variations to reveal underlying economic trends more clearly. This statistical technique allows for more accurate comparisons across different time periods by eliminating cyclical fluctuations.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
Seasonal adjustments help economists and analysts understand the true economic performance by filtering out predictable annual patterns like holiday retail spending or summer employment. The method provides a more normalized view of economic indicators, enabling more precise trend analysis and forecasting.
Methodology
Statistical agencies like the Bureau of Labor Statistics use complex mathematical models to identify and remove recurring seasonal patterns from raw economic data.
Historical Context
Policymakers and financial analysts rely on seasonally adjusted data to make more informed decisions about monetary policy, investment strategies, and economic planning.
Key Facts
- Seasonal adjustments help remove predictable annual variations from economic data
- The technique allows for more accurate comparisons across different time periods
- Used extensively in labor, retail, and economic performance measurements
FAQs
Q: Why are seasonal adjustments important?
A: Seasonal adjustments reveal underlying economic trends by removing predictable cyclical variations. This helps analysts understand the true economic performance beyond temporary fluctuations.
Q: How do seasonal adjustments work?
A: Statisticians use mathematical models to identify and remove recurring seasonal patterns from raw data. These models analyze historical trends to distinguish between seasonal changes and fundamental economic shifts.
Q: What types of data are typically seasonally adjusted?
A: Employment figures, retail sales, industrial production, and GDP are commonly seasonally adjusted to provide a more accurate representation of economic performance.
Q: How do policymakers use seasonally adjusted data?
A: Central banks and government agencies use seasonally adjusted data to make more informed decisions about monetary policy, economic interventions, and long-term planning.
Q: What are the limitations of seasonal adjustments?
A: Seasonal adjustment models can sometimes over-smooth data or miss emerging trends. They require periodic recalibration to maintain accuracy and relevance.
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Citation
U.S. Federal Reserve, Seasonally Adjusted [CORLAGACBS], retrieved from FRED.
Last Checked: 8/1/2025