A significant rise in the level of this debt coincides historically with many severe economic crises and was a cause of the U.S. and subsequent European economic crises of 2007-2012. Communications, Banking Applications & Legal Developments, Financial Stability Coordination & Actions, Financial Market Utilities & Infrastructures, Michael Ahn, Mike Batty, and Ralf R. Meisenzahl1. Now, there is another dimension of the stock versus flow ratio. The household debt to income ratio (DTI) is the average share of credit to disposable income. According to this data, UK household debt was 148.97 per cent of disposable income, compared to the 199.10 per cent seen in Ireland, the 241.30 per cent for the Netherlands, and the 275.10 . As such, the debt-to-income ratio would be as follows: DTI Ratio (Scenario one) = $1,500 / $3,000 x 100 = 50%. It also contains the credit records of the household members of the individuals in this primary sample, allowing the construction of representative, household-level debt statistics. Figure 1 panel 1 shows aggregate nationwide DTI for the United States, as reported in the Financial Accounts, and figure 1 panel 2 shows the growth rates of personal consumption expenditures (PCE). There were a couple of notable exceptions: Germany and Japan, neither of which experienced a housing boom that caused debt to accumulate. Aggregate Debt-to-Income Ratio The higher the ratio, the more susceptible households are to adverse changes in economic conditions. U.S. household leverage, as measured by the ratio of debt to personal disposable income, increased modestly from 55% in 1960 to 65% by the mid-1980s. Likely sources of the discrepancy include mortgage debt owed by foreigners without credit history and non-profits (such as churches and universities) which cannot be broken out separately from households in the Financial Accounts.7. Banking Applications & Legal Developments, Financial Market Utilities & Infrastructures. St. Louis, MO 63102, Ratio, Quarterly, Not Seasonally Adjusted, Billions of Dollars, Quarterly, Seasonally Adjusted, Q4 1945 The largest contributor to debt was home loans, which made up 56% of total household debt. The average U.S. household with debt now owes $155,622, or more than $15 trillion altogether, including debt from credit cards, mortgages, home equity lines of credit, auto loans, student loans . The credit files contain a detailed snapshot of each person's debts, including the account balance, payment history, delinquency status, etc. Average net worth for all Australian households in 2019-20 was $1.04 million. Households (S.14): Debt to Income ratio: percentage: NSA - Office for National Statistics Home Economy Gross Domestic Product (GDP) Households (S.14): Debt to Income ratio: percentage: NSA. What Is a Good Debt-to-Income Ratio? "How Much Student Debt is Out There?" A higher ratio indicates higher household credit risk, while a lower ratio indicates lower household credit risk. Checks), Regulation II (Debit Card Interchange Fees and Routing), Regulation HH (Financial Market Utilities), Federal Reserve's Key Policies for the Provision of Financial The COVID-19 pandemic has had a significant effect on consumer sentiment. "Accounting for Mortgage Charge-Offs in the Financial Accounts of the United States," FEDS Notes 2014-10-31. "Household Leverage and the Recession of 2007-09." The dashed line is the peak-to-peak growth trend of adjusted household demand from 2000 to 2006 extended through 2013. "The ratio of household debt to disposable income was recorded at 188.6% and the ratio of housing debt to disposable income was 138.9%. Q2 2022 Household debt as a % of disposable income Household debt peaked in Q3 2008 at 155.6% of household disposable income. If, for example, you're a household in Australia with a combined net disposable income of $100,000, this data suggests your debt is around $210,070. Seems high? Branches and Agencies of Foreign Banks, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks, Senior Loan Officer Opinion Survey on Bank Lending Practices, Structure and Share Data for the U.S. Offices of Foreign Banks, New Security Issues, State and Local Governments, Senior Credit Officer Opinion Survey on Dealer Financing Terms, Statistics Reported by Banks and Other Financial Firms in the United States, Structure and Share Data for U.S. Offices of Foreign Banks, Financial Accounts of the United States - Z.1, Household Debt Service and Financial Obligations Ratios, Industrial Production and Capacity Utilization - G.17, Factors Affecting Reserve Balances - H.4.1, Survey of Household Economics and Decisionmaking, Federal Reserve Community Development Resources. Why is the chart important: The financial crisis that erupted in 2007 was very much an excess debt crisis. January 11, 2018, Transcripts and other historical materials, Federal Reserve Balance Sheet Developments, Community & Regional Financial Institutions, Federal Reserve Supervision and Regulation Report, Federal Financial Institutions Examination Council (FFIEC), Securities Underwriting & Dealing Subsidiaries, Types of Financial System Vulnerabilities & Risks, Monitoring Risk Across the Financial System, Proactive Monitoring of Markets & Institutions, Responding to Financial System Emergencies, Regulation CC (Availability of Funds and Collection of Despite the very different approaches, both methods generate similar results, and thus can be used in tandem. We believe it will be of interest to those studying past developments in household leverage, as well as those monitoring the current state of the economy. To illustrate the fact, consider the two scenarios below: For simplicity, assume that debt in both countries bears a 5% annual interest rate on the total outstanding credit-market debt and that all households in both countries are homogenous. The granularity of this data, which will be updated annually, allows users to further explore the nature and implications of heterogeneity in household debt. US household debt to GDP ratio is updated quarterly, available from Mar 1999 to Sep 2022. from publication: Household Debt Accumulation and the Great Recession of the United . Household Debt Overview A growing body of research documents the importance of household debt to the Great Recession and subsequent sluggish recovery. 2132-2156. Infrastructures, Payments System Policy Advisory Committee, Finance and Economics Discussion Series (FEDS), International Finance Discussion Papers (IFDP), Estimated Dynamic Optimization (EDO) Model, Aggregate Reserves of Depository Institutions and the How to calculate disposable personal income? Countries by household debt, loans and debt securities as % of GDP 1980 to 2018; Country 2018 2017 2016 2015 . The data reached an all-time high of 50.7 % in Dec 2007 and a record low of 25.0 % in Sep 1980. OECD defines disposable income as the income of households (eg. Not Seasonally Adjusted, Annual, The most common form of debt was credit card debt, held by 55% of households, followed by home loans (34%) and student loans (17%). (Sep 13), Millions of Dollars, Annual, Not Seasonally Adjusted, Millions of Dollars, Quarterly, Not Seasonally Adjusted, Household Debt Service Payments as a Percent of Disposable Personal Income, Households and Nonprofit Organizations; Consumer Credit; Liability, Level, Households and Nonprofit Organizations; Debt Securities and Loans; Liability, Level, Billions of Dollars, Return to text. In other words, the average Canadian owes about $1.70 for every dollar of income he or she earns per year, after taxes. However, the gross monthly income for scenario one is $3,000, while the gross monthly income for scenario two is $5,000. Washington: Board of Governors of the Federal Reserve System. The Federal Reserve, the central bank of the United States, provides the nation with a safe, flexible, and stable monetary and financial system. Figure 2 presents county-level debt-to-income ratios during the fourth quarter of 2006. It shows US real adjusted household demand from 2000 to 2013. Households debt as share of net disposable income in selected countries worldwide. Return to text, 4. Household Debt to GDP for Spain Ratio, Annual, Not Seasonally Adjusted 2000 to 2021 (Dec 1) Households and Nonprofit Organizations; Debt Securities and Loans Excluding One-to-Four-Family Residential Mortgages and Consumer Credit; Liability, Transactions Millions of Dollars Quarterly, Seasonally Adjusted Annual Rate Q4 1946 to Q2 2022 (Sep 13) Services, Sponsorship for Priority Telecommunication Services, Supervision & Oversight of Financial Market See Bricker, Brown, Hannon, and Pence (2015). Seasonally Adjusted Annual Rate, Annual, In the example above, households in Country A carry a credit market debt of $1.01 per dollar of disposable income. This measure, which is intended to capture the share of household after-tax income obligated to debt repayment, is calculated as the ratio of aggregate required debt payments (interest and principal) to aggregate after-tax income. Not Seasonally Adjusted, Households and Nonprofit Organizations; One-to-Four-Family Residential Mortgages; Liability, Level, Household Debt to GDP for Republic of Korea, Financial Soundness Indicator, Households; Debt Service and Principal Payments as a Percent of Income, Level, Households and Nonprofit Organizations; Debt Securities and Loans Excluding One-to-Four-Family Residential Mortgages and Consumer Credit; Liability, Level, Households and Nonprofit Organizations; Debt Securities and Loans; Liability, Growth Rate, Households; Debt Securities; Asset, Level, Households and Nonprofit Organizations; Debt Securities and Loans Excluding One-to-Four-Family Residential Mortgages and Consumer Credit; Liability, Transactions, Quarterly, Basic Info US Household Debt Service as Percent of Disposable Income is at 9.52%, compared to 9.32% last quarter and 8.38% last year. Calculate the yield to maturity on a Disney bond that matures in 14 years, pays a 7.0% coupon, semi-annually, with a current price of $130.677. This ratio provides insight into the ability of the household sector to service current and future debt obligations given their level of disposable income. And it's like that with everything. Foreign Banks, Charge-Off and Delinquency Rates on Loans and Leases at Each households credit-market debt and disposable income are shown below. Method Household Income Q3 2022 Use this code to embed the visualisation into your website. Return to text, 5. The Equifax data do not include income. Debt-to-Income Ratio For example, GDP, disposable income of flows, because these flows can represent a unit of measure of stocks. 2021 In Spain, household indebtedness has declined significantly from its peak - benefiting from significant net loan redemptions and debt write-offs - to stand slightly below the aggregate euro area level. United States household debt accounted for 66.0 % of the country's Nominal GDP in Sep 2022, compared with the ratio of 66.1 % in the previous quarter. Copy the URL to open this chart with all your selections. (OECD) US Household Debt Statistics 7. Source: Eurostat (online data code: nasa_10_ki) To determine the credit-market debt to disposable income ratio for Country A, we add the credit-market debt across all households and divide it by the sum of disposable income across all households. Using a 1999-2019 sample from the. Annual, The categories are auto finance, auto bank, bankcard, consumer finance, first mortgage, home equity installment, home equity revolving, retail trades, and other trades. Household credit is mostly mortgage debt, but also includes things like credit card debt. The Index of Household Financial Condition is composed of subjective and objective indicators, which enable to capture differently the existing uncertainty concerning the future development of a household's nancial situa . Summary: US household debt relative to disposable income rose slightly in Q1 What the chart shows: The chart shows US households gross debt, relative to personal disposable income. More bluntly put, Canadians on average had $1.59 in debt for every dollar they made last year. The US household debt to income ratio is 101%, just below Germany's 102%. The data begin in 1999 and are available quarterly. Assume the bond has a par value of $1,000. "House Prices, Home Equity--Based Borrowing, and the US Household Leverage Crisis." The EU's household investment rate was 8.4 % in 2020, with double-digit rates recorded in Germany, Luxembourg, the Netherlands, Finland and Cyprus. Q4 2021 H.8, Assets and Liabilities of U.S. The delinquency and charge-off rate for consumer loans (which includes credit cards) was 1.63% in Q1 2022, while the overall rate, which includes real estate and commercial loans, was 1.24%.. This slower growth in private consumption then translates to lower economic growth. Household credit market debt to disposable income reached 173.08% in Q2 2021. Mortgage defaults and the resulting charge-offs on the lenders' balance sheets were sizable (Kennedy, Perozek and Smith, 2014) and account for a reduction in the aggregate DTI ratio level of 0.1 in the aftermath of the financial crisis. Graph and download economic data for Household Debt Service Payments as a Percent of Disposable Personal Income+Consumer Debt Service Payments as a Percent of Disposable Personal Income from Q1 1980 to Q2 2022 about payments, disposable, percent, personal income, debt, households, personal, services, income, USA, consumer, and financial. The calculations are shown below: Total Credit-Market Debt = $250,000 + $450,000 + $30,000 + $150,000 + $650,000 = $1,530,000 For a description of the Enhanced Financial Accounts project, see Gallin and Smith (2014). Household debt is defined as the combined debt of all people in a household. A common way to measure household debt is to compare it with the amount of disposable income people have. Disclaimer: FEDS Notes are articles in which Board staff offer their own views and present analysis on a range of topics in economics and finance. For example, in their introduction to the CCP, Lee and van der Klaauw (2010) show that as of the second quarter of 2010, national estimates of mortgage debt and consumer credit were $9.4 and $2.3 trillion from the CCP, and $10.2 and $2.4 trillion in the Financial Accounts. We exclude student loans since they are not consistently reported before 2006. (Mar 1), Q1 1980 Disposable income is a household's income after mandatory transfers, such as taxes. Total debt is made up of property debt (mortgages and equity release secured on properties) and financial debt (credit cards, loans and other non-mortgage debt). There are five households in Country A. Return to text, 7. Then, over the next two decades, leverage proceeded to more than double, reaching an all-time high of 133% in 2007. (Nov 1), Millions of Dollars, Not Seasonally Adjusted, Q4 1945 These articles are shorter and less technically oriented than FEDS Working Papers and IFDP papers. Infrastructures, International Standards for Financial Market Q3 2022 The following lists sort countries by Stock of loans and debt issued by households as a percentage of GDP according to data by the International Monetary . In a more recent and targeted analysis from 2006 through 2015, student debt in the CCP tracked very closely with that reported in the Federal Reserve Board's G.19 report on Consumer Credit (which is a source for the Financial Accounts). The CCP aggregates individual loans by loan-type.4 This project incorporates all types of debt reported in the credit file excluding student loans.5 We calculate household debt by summing all individual balances and 50 percent of joint balances for each member of the household. Disposable Personal Income | U.S. Bureau of Economic Analysis (BEA) Home BEA Data Income & Saving Disposable Personal Income Disposable Personal Income Disposable Personal Income Current Release Current Release: October 28, 2022 Next Release: December 1, 2022 Interactive Data Documentation Previously Published Estimates Ahn, Michael, Michael Batty, and Ralf Meisenzahl (2018). As Mian and Sufi showed, such regional variations can help researchers to establish the causal link between household leverage, consumption, and economic growth. Debt payments consist of the estimated required payments on outstanding mortgage and consumer debt. The debt service ratio measures the proportion of household disposable income required to meet debt obligations. Q2 2022 This would result in an adverse impact on the economy, as reduced consumption and spending would slow down the economy. South Africa household debt to GDP ratio is updated quarterly, available from Mar 1969 to Jun 2022. The European statistics agency Eurostat has produced data that shows that, as of 2009, the UK's household debt to disposable income ratio was the fourth highest of the (European) countries that it examined. In April 2016 to March. system. Let us try to put some context around it. Or, a household net wealth to disposable income ratio of 366.6% means that total household wealth is equal to 3.666 times one . For instance, if the personal income of your household is 100,000 dollars from your salary and in case you pay tax at the rate of thirty fiver percent, then your disposable personal income would be 65,000 dollars (i.e. The credit-market debt to disposable income ratio is a financial metric used to measure financial conditions in households. Statistics by Theme. We compute DTI at different geographical levels using data on household debt from the Equifax/Federal Reserve Bank of New York Consumer Credit Panel (CCP), and the data on household income from the Bureau of Labor Statistics (BLS). These defaults may also indirectly affect consumption as defaults lower credit scores and reduce the ability to take out new loans, for instance for durable purchases. A higher ratio is often seen as undesirable and risky. The interactive maps contain annual data as of Q4 each year, and quarterly data is available for download. The coefficients on income per capita, the real interest rate, inflation and financial liberalisation are all significant and of the expected sign: higher real incomes and lower real interest rates or inflation are all associated with increased indebtedness of households, as is the deregulation of the financial sector since the 1980s. Debt-to-Income Key Facts The household debt service ratio (DSR) is an estimate of the ratio of debt payments to disposable personal income. Structured Query Language (SQL) is a specialized programming language designed for interacting with a database. Excel Fundamentals - Formulas for Finance, Certified Banking & Credit Analyst (CBCA), Business Intelligence & Data Analyst (BIDA), Commercial Real Estate Finance Specialization, Environmental, Social & Governance Specialization, Financial Modeling and Valuation Analyst (FMVA), Financial Planning & Wealth Management Professional (FPWM). In 2015-16, around three quarters (74%) of households held debt, and the average household debt of all households was $168,600. While most of the research has focused on county-level variation, other levels of aggregation can be useful depending on the policy or research question. Statistics Canada says household debt-to-income ratio hit record high in Q4 The Canadian Press Staff Contact Published March 11, 2022 6:44 a.m. PST Share OTTAWA - Statistics Canada says the. Gross household saving rate, 2010-2020 Gross disposable income is adjusted for changes in net equity of households in pension fund reserves. Wages and salaries were up 0.5% while supplements to wages and salaries were up 0.4% during the month. 2 Review the Bloomberg Businessweek article Mario Draghi's Parting Gift for Europe May Be a Rate Hike, If Italy Behaves Itself rating agencies rate Disney's debt higher than its peers. United States, Structure and Share Data for U.S. Offices of Foreign Banks, Financial Accounts of the United States - Z.1, Household Debt Service and Financial Obligations Ratios, Survey of Household Economics and Decisionmaking, Industrial Production and Capacity Utilization - G.17, Factors Affecting Reserve Balances - H.4.1, Federal Reserve Community Development Resources. It is, however, quite rare that household debt-to-disposable income ratios decrease because of a fall in the absolute level of debt, also called "active deleveraging" (Dossche et al., 2018). The calculations are shown below: Total Credit-Market Debt = $250,000 + $450,000 + $30,000 + $150,000 + $650,000 = $1,530,000, Total Disposable Income = $120,000 + $200,000 + $40,000 + $150,000 + $1,000,000 = $1,510,000, Credit-Market Debt to Disposable income Ratio = $1,530,000 / $1,510,000 x 100 = 101.32%. DTI Ratio (Scenario two) = $1,500 / $5,000 x . In the United States, where debt-to-income ratios have declined by more than 30 percentage points since end-2007, . IMF Economic Review, Vol. Q2 2021 As such, households in Country B would face a greater credit risk as they would see a relatively lower disposable income to service their interest payments. The ratio must be taken into consideration with current macroeconomic conditions to determine whether the ratio is concerning or not. Household debt is calculated from FRBNY Consumer Credit Panel/Equifax Data, and household income is reported by the Bureau of Labor Statistics. Browse Statistics. e-Stat is a portal site for Japanese Government Statistics. Household debt represented a 148 percent of disposable income in the UK and 101 percent in the U.S.. A growing body of research documents the importance of household debt to the Great Recession and subsequent sluggish recovery. "Household Debt-to-Income Ratios in the Enhanced Financial Accounts," FEDS Notes. Return to text, 2. While the Financial Accounts of the United States have long reported aggregate household debt and income, this EFA project presents county-level, core-based statistical area (CBSA)-level, and state-level household debt-to-income ratios from 1999 to present. Not Seasonally Adjusted, Financial Soundness Indicator, Households; Debt as a Percent of Gross Domestic Product, Level, Households and Nonprofit Organizations; Directly and Indirectly Held Debt Securities as a Percentage of Disposable Personal Income; Assets, Level, Households and Nonprofit Organizations; Debt Service Payments (FSIs), Transactions, Households and Nonprofit Organizations; Directly and Indirectly Held Debt Securities as a Percentage of Total Assets, Level, Households; Debt Securities; Asset, Market Value Levels, Households and Nonprofit Organizations; Debt Securities and Loans; Asset, Level, Households and Nonprofit Organizations; Debt Securities; Asset, Level, Households and Nonprofit Organizations; Debt Securities and Loans Excluding One-to-Four-Family Residential Mortgages and Consumer Credit; Liability, Revaluation, Households and Nonprofit Organizations; Debt Securities; Asset, Market Value Levels. CFI is the official provider of the Financial Modeling and Valuation Analyst (FMVA) certification program, designed to transform anyone into a world-class financial analyst. This note describes new data on household debt-to-income ratios (DTI) that is being provided in interactive maps as part of the Enhanced Financial Accounts (EFA).2 A growing literature, starting with Mian and Sufi (2010 and 2011), emphasizes the importance of household leverage--for example, household debt relative to household income--for understanding the Great Recession and subsequent sluggish recovery. Debt is calculated as the sum of the following liability categories: loans (primarily mortgage loans and consumer credit) and other accounts payable. Together, these panels suggest a connection between household leverage and economic growth during the Great Recession. 58 (1), pp. Annual, Such a reduction in household leverage during a time of low income growth implies that households either defaulted on their loans or reduced consumption expenditures in order to slow the accrual of new debt or to pay down existing debt.3 In fact, quarterly personal consumption expenditures since the financial crisis have been consistently below the pre-crisis long-run average (the red line in figure 1, panel 2). Organisation for Economic Co-operation and Development (OECD), Source: Growth in household debt levels accelerated from early 2016, so that the debt-to-income ratio rose again to 136.3% by mid-2017. In Q2 2022 it was 133.9%. (1 day ago), Q2 2005 to Lee, Donghoon and Wilbert van der Klaauw (2010). Disposable income, also known as disposable personal income (DPI), is the amount of money that households have available for spending and saving after income taxes have been accounted for . Income is reported quarterly and aggregated to annual amounts for each geographic region, including counties, CBSAs, and states. Related news Consumer debt tops $2.36 trillion in third quarter, up 7.3% from last year The Federal Reserve, the central bank of the United States, provides Quarterly, Bricker, Jesse, Meta Brown, Simona Hannon, and Karen Pence (2015). Time series Evolution The debt to income ratio of households measures the amount owed through loans to the gross disposable income of households. Upgrade now. At the same time, PCE fell sharply. Below we show that estimates produced by the CCP are consistent with other sources of information on household debt in the US. to Dataset Details Gross debt-to-income ratio of households Gross debt-to-income ratio of households (including Non-Profit Institutions Serving Households) is defined as loans (ESA 2010 code: AF4), liabilities divided by gross disposable income (B6G) with the latter being adjusted for the net change in pension entitlements (D8net). (Jul 1), Q4 1946 Thereafter, the euro area household debt-to-income ratio moderated gradually, before stabilising in mid-2019 at close to its end-2007 levels. Starting in early 2016, growth in household debt levels accelerated, leading to the debt-to-income ratio to increase from 132% in Q4 2015 to 136% in Q4 2017, before falling to 132% in late 2019. Practices, Structure and Share Data for the U.S. Offices of Foreign wages and salaries), after considering the payment of taxes and social contributions (if applicable). Debt to Income Ratio Calculator Monthly Income Your Monthly Income Add Monthly Income Monthly Debt Payments Rent / Mortgage Add Monthly Debt Payments Calculate Results Using the Debt to Income Ratio Calculator International Monetary Fund. Question 1 income 900 2170 3070 taxes 650 3070 650 2420 question 2 disposable income 2420 expenses 2,20 2420 2120 300 net cash flow questions . Please note that the precise data values are not available for download and that the value ranges in the data files correspond to the color-coded scales used in the interactive map. Reference It includes consumer debt and mortgage loans. Households Debt to Income World Europe America Asia Africa Australia G20 Related Canada 7 Year Note Yield at 2.79 % Canada 5 Year Bond Yield at 3.01 percent Canada 30 Year Bond Yield at 2.76 percent Canada 3 Year Bond Yield at 3.52 percent Canada 20 Year bond Yield at 2.89 % Canada 2 Year Bond Yield at 3.81 percent What is the Credit-Market Debt to Disposable Income Ratio? For more information see the associated FEDS Note. Population and Households; Labor and Wages (1 day ago), 1987 Q3 2022 Washington: Board of Governors of the Federal Reserve System, January 11, 2018, https://doi.org/10.17016/2380-7172.2138. The largest contributors to October's increase in personal income were a 1.0% increase in personal income receipts on assets and a 1.6% increase in personal current transfer receipts. Total average liabilities for households saw a statistically significant increase from $189,500 in 2017-18 to $203,800 in 2019-20. Download scientific diagram | Household debt/disposable income ratio. Seasonally Adjusted, Millions of Dollars, During the coronavirus pandemic, total household debt and the debt-to-income ratio rose slowly. to The total amount of debt held by households compared to the disposable income (after-tax income) of the households. Zhenguo Lin We examine the impact of financial leverage, measured by the loan-to-value (LTV) ratios, on elderly homeowners' mobility and housing tenure choices. We related household net worth to their disposable income, or we use GDP to compare stocks or even flows across countries. Further, as documented in the work of Mian and Sufi, the variation depicted in this map helps to explain which areas were ultimately hit hardest by the Great Recession. "Enhanced Financial Accounts," FEDS Notes 2014-08-01. The household debt ratio is once again on the rise. What is the credit-market debt to disposable income for Country A? The agency says, on a seasonally adjusted basis, household credit market debt as a proportion of household disposable income fell to 182.5 per cent compared with the record 185 per cent. Seasonally Adjusted, Millions of Dollars, Questions or Comments FRED Help Subscribe to the FRED newsletter Subscribe We report DTI at the county, CBSA, and state-levels. United States: 75.86: 77.58: 78.77: 78.46: 90. . Monetary Base - H.3, Assets and Liabilities of Commercial Banks in the U.S. - FEDS Notes 2015-08-07. Filter Need Help? 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