# Bank Desk · Method

how the desk is built and what it cannot see.

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

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SOURCE AND POPULATION
FDIC BankFind financials, api.fdic.gov/banks, one request per quarter for every insured institution, 62 quarters from 2011-03-31 through 2026-06. These are the FFIEC call reports as the FDIC republishes them. Failures from the FDIC failed-bank list. Dollar fields arrive in thousands and are shown in dollars.
FIELD MAP
FIGURE	FDIC FIELD(S)
Loans / deposits · liquid assets	LNLSDEPR · (CHBAL + FREPO + SC) / ASSET
Uninsured, insured, brokered, core deposits	DEPUNINS · DEPINS · BRO, BROR · COREDEP, COREDEPR
Wholesale funding	(OTHBOR + FREPP + BRO) / ASSET · OTHBFHLB
Capital	RBC1AAJ leverage · RBCT1CER CET1 · EQTOT · EQCCOMPI (AOCI)
Unrealized securities loss	(SCAF − SCAA) + (SCHF − (SC − SCAF)): AFS fair less cost, plus HTM fair less cost
Earnings	ROA · ROE · NIMY · EEFFR · ELNATR provision (YTD, annualized)
Asset quality	NCLNLSR · P3LNLS · NTLNLSCOR · LNLSRES / NCLNLS
Concentrations	LNRE · LNRECONS / EQTOT · LNCI · LNCON · LNNDEPD (loans to nondepository financial institutions) / EQTOT
Auto	LNAUTO · P3AUTO + P9AUTO + NAAUTO · NTAUTOR
CONVENTIONS AND LIMITS
Ratios published by the FDIC (ROA, NIM, efficiency, leverage, loans/deposits, charge-off rates) are used as published; the rest are quotients of filed lines. Year-to-date flows annualize by quarter. Percentiles are within asset band at the same quarter. Composite score: one point per flag, capital below 5% counts double. Departure means the bank stopped filing: mostly mergers; true failures are labeled separately from the FDIC list. Loans to nondepository financial institutions is the whole nonbank-lender line, not auto-specific; the FFIEC began sub-categorizing it in recent reporting changes and those splits are the natural next field to add. A flag is a question to ask, not a finding about any institution.
REFRESH
Bank Analysis/tools/pull_fdic.py (new quarter only) → build_bank_panel.py → bump DV in this file → deploy taperead-site