EX-99.2 3 dex992.htm SLIDE PRESENTATION OF THE OCTOBER 24, 2005 CONFERENCE CALL Slide Presentation of the October 24, 2005 Conference Call
Quarter Ended
September 30, 2005
WWW.FSBNM.COM
Exhibit
99.2

Page 2
Total Assets
(in thousands)
$1,646,739
$652,729
$827,921
$1,386,870
$1,815,510
$1,893,135
$2,007,642
$2,019,700
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
$1,800,000
$2,000,000
$2,200,000
2000
2001
2002
2003
2004
3/31/05
6/30/05
9/30/05
WWW.FSBNM.COM

Page 3
Total Loans
(in thousands)
$1,515,058
$1,508,811
$1,425,073
$1,377,795
$1,231,485
$1,017,025
$548,722
$460,084
$250,000
$350,000
$450,000
$550,000
$650,000
$750,000
$850,000
$950,000
$1,050,000
$1,150,000
$1,250,000
$1,350,000
$1,450,000
$1,550,000
$1,650,000
2000
2001
2002
2003
2004
3/31/05
6/30/05
9/30/05
WWW.FSBNM.COM

Page 4
Total Deposits
(in thousands)
$528,408
$685,022
$1,079,684
$1,195,875
$1,401,303
$1,413,952
$1,465,653
$1,472,634
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
$1,100,000
$1,200,000
$1,300,000
$1,400,000
$1,500,000
$1,600,000
2000
2001
2002
2003
2004
3/31/05
6/30/05
9/30/05
WWW.FSBNM.COM

Page 5
Quarterly Net Income and Diluted Earnings Per Share
WWW.FSBNM.COM
$2,087
$2,244
$2,286
$3,341
$3,466
$3,731
$4,033
$3,621
$3,574
$3,321
$4,119
$4,211
$4,306
$4,930
$6,061
$0.21
$0.22
$0.18
$0.22
$0.23
$0.25
$0.26
$0.24
$0.23
$0.22
$0.27
$0.27
$0.28
$0.32
$0.39
$0
$500
$1,000
$1,500
$2,000
$2,500
$3,000
$3,500
$4,000
$4,500
$5,000
$5,500
$6,000
$6,500
$7,000
3/31/02
6/30/02
9/30/02
12/31/02
3/31/03
6/30/03
9/30/03
12/31/03
3/31/04
6/30/04
9/30/04
12/31/04
3/31/05
6/30/05
9/30/05
-$0.05
$0.05
$0.15
$0.25
$0.35
$0.45
Dollars
Earnings per share

Page 6
Quarterly Net Interest Margin
WWW.FSBNM.COM
4.63%
4.68%
4.15%
4.56%
4.55%
4.66%
4.61%
4.54%
4.47%
4.39%
4.45%
4.57%
4.61%
4.60%
4.69%
0%
1%
2%
3%
4%
5%
6%
3/31/02
6/30/02
9/30/02
12/31/02
3/31/03
6/30/03
9/30/03
12/31/03
3/31/04
6/30/04
9/30/04
12/31/04
3/31/05
6/30/05
9/30/05

Page 7
Return on Average Assets and Return on Average Equity
WWW.FSBNM.COM
11.71%
15.23%
14.64%
12.14%
11.76%
10.94%
13.59%
0.97%
1.21%
1.13%
1.00%
1.01%
0.89%
1.05%
0%
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
1999
2000
2001
2002
2003
2004
9/30/05
ROE
ROA

Page 8
Efficiency Ratio
WWW.FSBNM.COM
66.72%
64.63%
64.65%
66.44%
62.49%
66.24%
62.93%
50%
55%
60%
65%
70%
75%
80%
1999
2000
2001
2002
2003
2004
9/30/05

Page 9
WWW.FSBNM.COM
Total  Nonperforming Assets to Total Assets
$2,246
$3,615
$4,360
$11,870
$10,302
$10,398
$11,865
$14,085
$10,145
$9,810
$9,299
$9,228
$7,984
$5,971
$6,527
0.27%
0.41%
0.44%
0.86%
0.74%
0.72%
0.78%
0.86%
0.62%
0.58%
0.53%
0.51%
0.42%
0.30%
0.32%
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
3/31/02
6/30/02
9/30/02
12/31/02
3/31/03
6/30/03
9/30/03
12/31/03
3/31/04
6/30/04
9/30/04
12/31/04
3/31/05
6/30/05
9/30/05
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
1.00%
Nonperforming Assets
% Total Assets

Page 10
WWW.FSBNM.COM
$5,462
$2,452
$2,773
$26,946
$14,599
$4,812
$5,437
$7,868
$4,059
$5,593
$3,958
$4,814
$3,587
$3,029
$2,337
0.97%
0.41%
0.44%
2.65%
1.38%
0.43%
0.47%
0.64%
0.33%
0.44%
0.30%
0.35%
0.25%
0.20%
0.15%
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
3/31/02
6/30/02
9/30/02
12/31/02
3/31/03
6/30/03
9/30/03
12/31/03
3/31/04
6/30/04
9/30/04
12/31/04
3/31/05
6/30/05
9/30/05
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
Total Delinquent Loans
% Total Loans
Delinquent Loans

Page 11
Allowance for Loan Losses
$6,308
$7,207
$11,838
$14,121
$15,331
$16,042
$17,109
$17,413
1.15%
1.17%
1.39%
1.35%
1.19%
1.15%
1.14%
1.13%
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
$16,000
$18,000
$20,000
2000
2001
2002
2003
2004
3/31/05
6/30/05
9/30/05
0.00%
0.20%
0.40%
0.60%
0.80%
1.00%
1.20%
1.40%
1.60%
Balance
% of Loans Held for Investment
WWW.FSBNM.COM

Page 12
Provision for Loan Losses and Net Charge-offs by Quarter
WWW.FSBNM.COM
$669
$519
$469
$932
$1,047
$1,271
$1,645
$1,580
$1,440
$830
$1,190
$1,040
$1,075
$1,725
$675
$498
$147
$171
$307
$681
$490
$1,159
$930
$1,438
$398
$634
$820
$364
$658
$371
$0
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
3/31/02
6/30/02
9/30/02
12/31/02
3/31/03
6/30/03
9/30/03
12/31/03
3/31/04
6/30/04
9/30/04
12/31/04
3/31/05
6/30/05
9/30/05
PFLL
Net Chargeoffs
$1,440
$1,438

Page 13
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