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SunTrust Robinson Humphrey
Presentation by: George M. Lee, CEO
February 22, 2007
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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.
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/0001171843-07-000060/exh_9913.jpg)
MetroCorp Bancshares, Inc. is a Texas-based
holding company operating banks in Texas and
California with special focus on the ethnic markets.
The company strives with passion and urgency to
provide superior customer service and innovative
products to maximize shareholder value through
integration of people and technology. Our mission is
to be the premier bank in the communities we serve.
California with special focus on the ethnic markets.
The company strives with passion and urgency to
provide superior customer service and innovative
products to maximize shareholder value through
integration of people and technology. Our mission is
to be the premier bank in the communities we serve.
Mission
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_9914.jpg)
18 Years of Growth and Profitability
Largest publicly-owned Independent Asian-American
bank holding company outside of California
Total assets of $1.26 billion at December 31, 2006
Consecutive profitability for the past 17 years
Three consecutive years of 25% plus earnings growth.
(2004-109%, 2005-25.4%, 2006-25.3%)
Established leadership presence in Houston/Dallas
Recently expanded to Los Angeles/San
Diego/Irvine/San Mateo/City of Industry/San Francisco
under the name of Metro United Bank
under the name of Metro United Bank
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_9915.jpg)
§
4,756,181
§
797,325
Source: U.S. Census,
estimate 2004
Texas’ Asian Population about 17% of California
Asian Population in California & Texas
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2000 2004 *
§
Houston-Galveston 228,212 324,061
§
Dallas-Fort Worth 195,480 277,582
§
Austin-San Marcos 44,029 65,521
§
San Antonio 23,667 33,607
*Regional population extrapolation from 2004
total state Census estimates
Total Texas 562,319 797,325
42% Growth
Source: U.S. Bureau of the Census, Census 2000, Census 2004 estimate
Asian Population in Texas 2000-2004
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_9917.jpg)
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
Source: U.S. Bureau of the Census, Census 2000, Census 2004 estimate
Asian Population in California
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_9918.jpg)
First United Bank
(Now know as Metro United Bank)
Los Angeles
San Diego
California Offices in Q4 - 2005
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_9919.jpg)
Metro United Bank
San Mateo
Irvine
City of Industry
Los Angeles
San Diego
•
Branch
•
Loan production office
San Francisco
California Offices in Q4- 2006
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99110.jpg)
Houston, TX
Dallas, TX
MetroBank Locations
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Representative Office in China
XIAMEN
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99112.jpg)
*Source: 2005 Annual Statistic Report of Xiamen's Economical and Social Development published by the Xiamen City Government.
Xiamen – Important Foreign Trade Port
Overview of Xiamen
- One of the four Special Economic Zones
Gross Area Production
- GAP achieved sustained annual growth rate of 15% for 5
years in a row*
Key Industries
- Electronics, Machinery and Chemicals
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/0001171843-07-000060/exh_99113.jpg)
Metro Office
City View - Xiamen
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99114.jpg)
Freeway Surrounding Xiamen
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99115.jpg)
International Exhibition Center
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99116.jpg)
Learning from the past.
Moving to the future.
Financial Performance
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99117.jpg)
1998: MCBI listed
on NASDAQ
2005: Acquisition –
First United Bank
$ in Millions
FTE ‘s
Asset Growth
FTE trend
Milestones
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99118.jpg)
2001-2006
Loan: 12.4% CAGR
Deposit: 11.0%
CAGR
Asset: 11.3% CAGR
$ in Million
2001-2004
Loan: 6.3% CAGR
Deposit: 5.5%
CAGR
Asset: 7.1% CAGR
2004-2006
Loan: 22.1% CAGR
Deposit: 19.7% CAGR
Asset: 17.8% CAGR
Balance Sheet Growth
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99119.jpg)
$
Net Income (in thousands)
Profitable Since 1990
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99120.jpg)
Return on Average Assets
Return on Average Equity
Shareholder Return
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99121.jpg)
Net Non-performing Assets / Total
Assets
Net charge-offs / Avg. total
Loans
Asset Quality
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99122.jpg)
Net Interest Margin
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99123.jpg)
Efficiency Ratio
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99124.jpg)
Loan Portfolio
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99125.jpg)
Loan Portfolio – Industry Concentration
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99126.jpg)
Learning from the past.
Moving to the future.
Management
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99127.jpg)
Management Team
Don J. Wang Chairman of the Board
George M. Lee President, CEO, Excutive Vice Chair of MetroCorp
David Tai Chief Business Development Officer, President of MetroBank
Bert Baker Chief Lending Officer of MetroBank
David Choi Chief Financial Officer
Kevin Shu Chief Accounting Officer
Michelle Phung Chief Operations Officer of MetroBank
Terrance Tangen Chief Credit Officer of MetroBank
Mitchell Kitayama Vice Chairman, CEO of Metro United Bank
Robert Bihr Chief Credit Officer of Metro United Bank
Val Marquez EVP, IT Strategic Planning of Metro United Bank
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99128.jpg)
Well-served Customers with New Enhanced Products
Board of Directors
Line Staff
Process Efficiency
Customer Focus
Middle Management
Empowerment
Accountability
CEO
Senior Management
Strategic
Tactical
Execution
Customer Focused
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99129.jpg)
Technology Enhancement
Digital Insight Corporation
- Online Products & Services
- Technology Driven Marketing Culture
- Culturally Sensitive & Innovative Market Penetration
Hartland Financial Solutions
- Risk Management Enhancements
- Integrated Commercial Credit Management System
- Streamlined Workflow
Internal IT & Technology Strength
- Well Rounded Expertise
- Training
- Incentive & Measurements
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99130.jpg)
Expectations
Improving asset quality
Efficiency ratio improvement
Balanced asset/earning growth
Expanding & diversification of business
portfolio
Optimizing synergy between Texas and
California
Brand/Image improvement
![](https://capedge.com/proxy/8-K/0001171843-07-000060/exh_99131.jpg)
Gee Hwei