Quarterly Financial Report: U.S. Corporations: All Wholesale Trade: Time Deposits in the U.S., Including Negotiable Certificates of Deposit
QFR202WHSUSNO • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
12,778.00
Year-over-Year Change
-16.08%
Date Range
10/1/2000 - 1/1/2025
Summary
This economic indicator tracks time deposits and negotiable certificates of deposit for wholesale trade corporations in the United States. It provides insights into short-term financial instruments and corporate liquidity strategies.
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 financial holdings of wholesale trade businesses in time-based deposit instruments, reflecting corporate cash management and short-term investment behaviors. Economists use this data to understand corporate financial strategies and potential economic liquidity signals.
Methodology
Data is collected through quarterly financial reporting and aggregated by federal economic research institutions.
Historical Context
This metric is used by policymakers and financial analysts to assess corporate financial health and potential economic investment trends.
Key Facts
- Tracks time deposit holdings for wholesale trade corporations
- Provides quarterly snapshot of corporate financial instrument preferences
- Indicates potential short-term investment and cash management strategies
FAQs
Q: What are time deposits?
A: Time deposits are bank accounts with a fixed term and typically higher interest rates compared to standard savings accounts. They require funds to remain untouched for a specified period.
Q: Why do corporations use time deposits?
A: Corporations use time deposits to earn higher interest rates on surplus cash while maintaining relatively low-risk investment strategies. These instruments provide predictable returns and liquidity management.
Q: How frequently is this data updated?
A: The Quarterly Financial Report is typically updated on a quarterly basis, providing a consistent view of corporate financial instrument trends.
Q: What does this trend indicate about the economy?
A: Changes in time deposit holdings can signal corporate confidence, liquidity preferences, and potential shifts in investment strategies across different economic conditions.
Q: Are there limitations to this data?
A: The data represents a specific sector (wholesale trade) and may not fully represent the entire corporate landscape. It should be analyzed alongside other economic indicators.
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Citation
U.S. Federal Reserve, Quarterly Financial Report: U.S. Corporations: All Wholesale Trade: Time Deposits in the U.S., Including Negotiable Certificates of Deposit [QFR202WHSUSNO], retrieved from FRED.
Last Checked: 8/1/2025