 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 WWW.FSBNM.COM NASDAQ Symbol: FSNM Not your typical bankers. Not your typical bank. |