Millions of Dollars, Not Seasonally Adjusted
This dataset tracks millions of dollars, not seasonally adjusted over time.
Latest Value
8928.00
Year-over-Year Change
-0.60%
Date Range
1/1/2002 - 6/1/2025
Summary
The 'Millions of Dollars, Not Seasonally Adjusted' series measures the total value of loans outstanding at Federal Deposit Insurance Corporation (FDIC)-insured commercial banks in the United States. This metric provides insight into lending activity and credit conditions in the economy.
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 'Millions of Dollars, Not Seasonally Adjusted' series tracks the total amount of loans and leases held by FDIC-insured commercial banks. This reflects the overall level of credit and financing available to businesses, consumers, and other borrowers, which is a key indicator of economic activity and financial health.
Methodology
The data is collected directly from FDIC-insured commercial banks through regulatory reporting requirements.
Historical Context
Policymakers and analysts monitor this metric to gauge the availability of credit and the lending environment within the broader economy.
Key Facts
- Total loans and leases outstanding exceeded $13 trillion as of the latest data.
- Commercial and industrial loans account for over 20% of total loans.
- Loan growth has slowed in recent years amid tighter lending standards.
FAQs
Q: What does this economic trend measure?
A: The 'Millions of Dollars, Not Seasonally Adjusted' series tracks the total value of loans and leases held by FDIC-insured commercial banks in the United States.
Q: Why is this trend relevant for users or analysts?
A: This metric provides insight into the overall availability of credit and lending activity in the economy, which is a key indicator of financial conditions and economic performance.
Q: How is this data collected or calculated?
A: The data is collected directly from FDIC-insured commercial banks through mandatory regulatory reporting requirements.
Q: How is this trend used in economic policy?
A: Policymakers and analysts monitor this series to gauge credit conditions and the lending environment, which informs decisions on monetary policy, financial regulations, and economic stimulus measures.
Q: Are there update delays or limitations?
A: The data is released with a lag of several weeks, and the series does not adjust for seasonal factors, which can affect interpretation.
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Citation
U.S. Federal Reserve, Millions of Dollars, Not Seasonally Adjusted (TLOFCON), retrieved from FRED.