What is a desk appraisal from the bank?

I am trying to obtain a loan from the bank. They are doing a personal loan. The way the banker explained it to me, they will contact the tax office and obtain the essors report and then do a "desk appraisal" by calling me and asking questions about improvements done to my home. I know the house was appraised at $35,500.00 in 1995 but major improvements have been made including additions.