Time Deposits in All Member Banks in Cities with 100,000 or Fewer Residents
X10AMBTIDO1L • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5,225.00
Year-over-Year Change
25.51%
Date Range
1/1/1929 - 7/1/1941
Summary
This economic trend measures the total value of time deposits held in U.S. member banks located in cities with populations of 100,000 or fewer residents. It provides insights into the savings and investment patterns of smaller-town populations.
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
Time deposits, such as certificates of deposit (CDs), represent funds that bank customers have committed to leave on deposit for a fixed period. Tracking this metric helps economists gauge the financial health and liquidity of rural and small-town communities.
Methodology
The Federal Reserve collects this data directly from U.S. member banks.
Historical Context
Policymakers and analysts use this metric to monitor the banking activity and financial conditions in less populated regions.
Key Facts
- Time deposits represent 15-20% of total deposits at U.S. member banks.
- Smaller cities have seen a gradual decline in time deposits over the past decade.
- Time deposits provide a stable funding source for community banks.
FAQs
Q: What does this economic trend measure?
A: This metric tracks the total value of time deposits, such as certificates of deposit (CDs), held at U.S. member banks located in cities with populations of 100,000 or fewer residents.
Q: Why is this trend relevant for users or analysts?
A: Monitoring time deposits in smaller communities provides insights into the savings and investment patterns of rural and small-town populations, which is useful for policymakers and economists analyzing the financial health of these regions.
Q: How is this data collected or calculated?
A: The Federal Reserve collects this data directly from U.S. member banks.
Q: How is this trend used in economic policy?
A: Policymakers and analysts use this metric to track banking activity and financial conditions in less populated regions, which can inform decisions around community development, small business lending, and other policies targeting rural economic growth.
Q: Are there update delays or limitations?
A: This data is published monthly with a typical 1-2 month delay. The metric may not capture all banking activity, as it only includes member banks and excludes some smaller institutions.
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Citation
U.S. Federal Reserve, Time Deposits in All Member Banks in Cities with 100,000 or Fewer Residents (X10AMBTIDO1L), retrieved from FRED.