U.S.-Chartered Depository Institutions; Loans; Asset, Level
USCDILA • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
12,059,237.00
Year-over-Year Change
14.46%
Date Range
10/1/1945 - 1/1/2025
Summary
The 'U.S.-Chartered Depository Institutions; Loans; Asset, Level' metric tracks the total value of loans held by U.S. depository institutions. This provides insight into credit availability and economic conditions.
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
This series measures the outstanding value of loans on the balance sheets of U.S. banks, credit unions, and other depository institutions. It is a key indicator of credit market conditions and lending activity within the domestic financial system.
Methodology
The data is collected and aggregated by the U.S. Federal Reserve from regulatory filings and financial reports of depository institutions.
Historical Context
Policymakers and analysts monitor this metric to gauge credit creation, financial stability, and the flow of capital within the economy.
Key Facts
- Loans on bank balance sheets totaled over $17 trillion as of 2022.
- The metric reached a record high during the COVID-19 pandemic due to increased lending.
- Commercial and industrial loans make up the largest share of total bank loans.
FAQs
Q: What does this economic trend measure?
A: This metric tracks the total value of loans held on the balance sheets of U.S. depository institutions, including banks, credit unions, and other lenders.
Q: Why is this trend relevant for users or analysts?
A: The level of bank lending is a key indicator of credit market conditions, financial stability, and the broader flow of capital within the economy.
Q: How is this data collected or calculated?
A: The Federal Reserve collects and aggregates this data from regulatory filings and financial reports submitted by depository institutions.
Q: How is this trend used in economic policy?
A: Policymakers and analysts monitor this metric to assess the availability of credit, gauge financial stability, and understand lending patterns that impact economic growth.
Q: Are there update delays or limitations?
A: The data is reported quarterly with a short lag. The metric may not capture all non-traditional lending activity outside the formal banking system.
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Citation
U.S. Federal Reserve, U.S.-Chartered Depository Institutions; Loans; Asset, Level (USCDILA), retrieved from FRED.