Borrowings, All Commercial Banks
Percent Change at Annual Rate, Annual, Seasonally Adjusted
H8B3094NCBCAG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-7.00
Year-over-Year Change
22.81%
Date Range
1/1/1974 - 1/1/2024
Summary
This economic indicator tracks percentage changes at an annual rate with seasonal adjustments, providing a normalized view of economic fluctuations. It enables economists and policymakers to compare economic performance across different time periods by standardizing data to an annual projection.
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
The trend represents a critical macroeconomic metric that smooths out seasonal variations to reveal underlying economic patterns and trends. Economists use this adjusted rate to understand the true trajectory of economic indicators without the distortion of seasonal fluctuations.
Methodology
Data is collected through comprehensive statistical sampling and adjusted using standard econometric techniques to remove predictable seasonal patterns.
Historical Context
This metric is crucial for Federal Reserve analysis, helping inform monetary policy decisions and providing insights into economic growth and stability.
Key Facts
- Provides normalized economic performance measurement
- Removes seasonal variation effects
- Used in high-level economic policy analysis
FAQs
Q: What does 'seasonally adjusted' mean?
A: Seasonally adjusted data removes predictable seasonal patterns to reveal the underlying economic trend. This helps analysts understand true economic performance independent of recurring cyclical variations.
Q: Why is an annual rate important?
A: An annual rate allows for standardized comparisons across different time periods by projecting short-term data to a full-year equivalent. This provides a more comprehensive view of economic trends.
Q: How frequently is this data updated?
A: Typically, this type of economic indicator is updated quarterly or monthly, depending on the specific data source and economic metric being tracked.
Q: Who uses this type of economic data?
A: Policymakers, central bankers, economists, investors, and financial analysts use seasonally adjusted annual rate data to make informed decisions about economic strategy and investments.
Q: What are the limitations of this metric?
A: While valuable, this metric can sometimes smooth out important short-term economic signals and may not capture rapid or unexpected economic changes.
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Citation
U.S. Federal Reserve, Percent Change at Annual Rate, Annual, Seasonally Adjusted [H8B3094NCBCAG], retrieved from FRED.
Last Checked: 8/1/2025