# Bank Desk · Market

the banking system by quarter and the screens that matter now.

Live page: https://getbookiq.com/bank-desk/#market

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INSURED BANKS
4,3137,663 in 2011 · 3,350 gone
TOTAL ASSETS
$26.75T
DEPOSITS
$20.88T42% uninsured
LOANS / DEPOSITS
66%
NONCURRENT LOANS
0.93%
UNREALIZED SEC. LOSS / EQUITY
-13.2%AFS + HTM, both books
AUTO LOANS
$551.9Bauto NCO 0.92%
LOANS TO NONBANK LENDERS
$1523.6Bfrom $60B in 2011
THE FUNDING SIDE OF THE LAST DECADE
UNINSURED SHARE OF DEPOSITS (%)
0.0
16.3
32.6
48.9
2014-06
2018-06
2022-06
2026-06
LOANS TO NONBANK FINANCIAL INSTITUTIONS ($B)
0
559
1117
1676
2014-06
2018-06
2022-06
2026-06
UNREALIZED SECURITIES LOSS, % OF EQUITY
-34.4
-18.2
-1.9
14.3
2014-06
2018-06
2022-06
2026-06
NONCURRENT LOANS (%)
0.00
1.72
3.44
5.16
2014-06
2018-06
2022-06
2026-06
BANK AUTO LOANS ($B)
0
202
405
607
2014-06
2018-06
2022-06
2026-06
LOANS / DEPOSITS (%)
0
27
54
81
2014-06
2018-06
2022-06
2026-06
READING THE SYSTEM
Three lines carry the decade. Loans to nonbank financial institutions is the funding rail behind every warehouse facility, and it has multiplied: it is where a bank's exposure to consumer lenders lives, not on its own auto line. Uninsured deposits is the run fuel: the 2023 failures carried 74% to 92% of deposits uninsured four quarters before the end. Unrealized securities losses across both books is the hole that held-to-maturity accounting hides from equity; it is computed here from filed fair values, not from the income statement.