![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_11.jpg)
Stifel, Nicolaus & Company, Inc.
2006 Texas Field Trip
Tuesday, September 12, 2006
Welcome to MetroBank!
METROCORP
BANCSHARES, INC.
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_12.jpg)
Forward-Looking Statements
The statements contained in this presentation that are not historical facts are forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements describe MetroCorp’s future plans, projections, strategies and expectations, are based on assumptions and involve a number of risks and uncertainties, many of which are beyond MetroCorp’s control. Actual results could differ materially from those projected due to changes in interest rates, competition in the industry, changes in local and national economic conditions and various other factors. Additional information concerning such factors that could affect MetroCorp is contained in MetroCorp’s filings with the SEC.
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_13.jpg)
Mission
MetroCorp Bancshares, Inc. is a Texas-basedholding company for banking institutions with special focus on Asian markets. The company strives to provide premier commercial and personal banking services and financial products to the customers we serve. We enhance and develop innovative, optimal and professional core competencies to meet current and emerging needs of our market with passion and urgency.
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_14.jpg)
The Asian population in Texas is about 15.2% of the Asian population of California in 2002 and 17% in 2004 .
Source: U.S. Census, 2000, 2004 Estimates
2000 | 2004 | % Growth | |||
US | 10,242,998 | 13,956,612 | 36 | ||
CA | 3,697,513 | 4,756,181 | 29 | ||
NY | 1,044,976 | 1,346,049 | 29 | ||
TX | 562,319 | 797,325 | 42 | ||
NY | 480,276 | 647,906 | 35 | ||
IL | 423,603 | 552,638 | 30 | ||
FL | 266,256 | 424,951 | 60 | ||
VA | 261,025 | 376,428 | 44 | ||
PN | 219,813 | 295,266 | 34 | ||
MD | 210,929 | 286,136 | 36 | ||
GA | 173,170 | 258,372 | 49 | ||
CT | 82,313 | 120,206 | 46 |
Asian population (2000-2004)
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_15.jpg)
Source: U.S. Census, 2000
* Extrapolation from 2004 Census estimate
2000 | * 2004 | ||||
n | Houston-Galveston | 228,212 | 324,061 | ||
n | Dallas-Fort Worth | 195,480 | 277,582 | ||
n | Austin-San Marcos | 44,029 | 65,521 | ||
n | San Antonio | 23,667 | 33,607 |
l
Regional population extrapolation from 2004total State Census estimates
Ø | Total Texas | 562,319 | 797,325 |
Asian Population in Texas
2000-2004
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_16.jpg)
MetroBank Locations, Houston
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_17.jpg)
MetroBank Locations, Dallas
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_18.jpg)
Asian Population in California
2000 | 2004 | ||||
v | San Francisco | 1,256,258 | 1,396,565 | ||
v | Los Angeles | 1,661,456 | 1,898,205 | ||
v | San Diego | 386,973 | 476,773 |
v
Source: U.S. Bureau of the census, Census 2000, Census 2004 estimate
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_19.jpg)
Source: U.S. Bureau of the Census
Asian-American Economic Attributes
U.S. | Asian | |
Median Income (2002) | $42,409 | $52,018 |
Median Home Value (2002) | $122,800 | $199,300 |
(Whites) | (Chinese- Americans) | |
Savings Deposit | $10,000 | $17,000 |
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_110.jpg)
$ in Millions
1987: Open for business
1988: Name Change
1989: Acquisition
– Industrial Bank
1998: MCBI listed on NASDAQ
Oct. 2005:Acquisition
– First United Bank
June 2006: Metro United Bank (name change for First United Bank
Milestones
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_111.jpg)
COMPANY FOCUS
v
EARNINGS
v
ASSET GROWTH
v
ASSET QUALITY
v
EFFICIENCIES
v
HUMAN RESOURCE DEVELOPMENT
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_112.jpg)
02~05: CAGR 9.3%
Q3-03 ~Q4-05: CAGR 35.6%
$ in thousands
Quarterly Net Income Growth
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_113.jpg)
Efficiency Ratio
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_114.jpg)
$ in millions
Loans: 11.7% CAGR
Assets: 11.0% CAGR
Deposits: 10.6% CAGR
Balance Sheet Growth
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_115.jpg)
Non-Performing Assets
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_116.jpg)
Net Non-performing Assets / Total Assets
Net charge-offs / Avg. total Loans
Asset Quality
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_117.jpg)
Leaders
An average of 20 years of banking experience
Don J. Wang | Chairman of the Board | |
George M. Lee | President, CEO, Executive Vice Chair of MetroCorp | |
David Tai | Chief Business Development Officer, President of Bank | |
Bert Baker | Chief Lending Officer | |
David Choi | Chief Financial Officer | |
Kevin Shu | Chief Accounting Officer | |
Michelle Phung | Chief Human Resources Officer | |
Terrance Tangen | Chief Credit Officer | |
Mitchell Kitayama | CEO, Metro United Bank | |
Robert Bihr | Chief Credit Officer, Metro United Bank |
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_118.jpg)
Investment for The Future
Ø
Branch & Market Expansion
Ø
Business Officers
Ø
Technology Upgrades
Ø
China Representative Offices
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_119.jpg)
Xiamen – Important Foreign Trade Port
•
Overview of Xiamen
–
One of the four Special Economic Zones
–
One of top ten most competitive cities*
•
Gross Area Production
–
GAP achieved sustained annual growth rate of 15% for 5 years in a row
•
Key Industries
–
Electronics, Machinery and Chemical industry
•
Foreign Trade
–
Total foreign trade was $28 billion in 2005
•
$17 billion exports, up 24%; $11 billion imports, up 12%
•
Foreign Investment
–
Thirty Five Fortune 500 companies have invested in Xiamen
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_120.jpg)
Xiamen – City View
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_121.jpg)
Freeway Surrounding Xiamen
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_122.jpg)
International Exhibition Center
![](https://capedge.com/proxy/8-K/0001140361-06-013195/ex99_123.jpg)
MetroCorp Bancshares, Inc.
Stifel, Nicolaus & Company, Inc.
2006 Texas Field Trip
Thank You