MetroCorp Bancshares 8-K Regulation FD Disclosure

  SunTrust Robinson Humphrey

Financial Services Unconference

Presentation by: George M. Lee, CEO

May 23, 2007

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.

Strategic Transformation of MetroCorp

Market Footprint

Source:  U.S. Census,

estimate 2004

Texas’ Asian Population about 17% of

California

Asian Population in California & Texas

Asian Population in Texas 2000-2004

Asian Population in California

San Mateo Regional

Headquarters

San Francisco

 Van Ness

Alhambra Branch

Executive Offices

City of Industry

L.A. #2 Branch

City of Industry

Irvine Branch

San Diego

    Clairemont Mesa

Metro United Bank Locations

Houston, TX

Dallas, TX

MetroBank Locations

Representative Office in China

XIAMEN

*Source: 2005 Annual Statistic Report of Xiamen's Economical and Social Development published by the Xiamen CityGovernment.

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*

Metro Office

City View - Xiamen

Financial Results

* Adjusted for stock split in 2006

Earnings Per Share – Diluted

Asset Growth

$ in

Millions

Total Loan Growth

$ in

Millions

Deposit Growth

$ in

Millions

Total Loans To Deposits

Ratio

Nonperforming Assets

$ in 000’s

Allowance to Nonperforming Loans

$ in 000’s

Allowance For Loan Losses

$ in 000’s

MetroCorp Bancshares, Inc.

                             vs.

                      Peer Banks

                       1998 - 2006

(in millions)

Total Assets

(in millions)

Source:  Annual 10-Ks

Total Assets Acquired

(in millions)

Source:  Calculated from Annual 10-Ks &

10Qs

Organic Growth (Contraction)

Source:  Calculated from 10-Ks

Asset Composition YE 2006

(in millions)

Source:  Annual 10-Ks & 10Qs

Total Equity

Source:  Calculated from Annual 10-Ks

Equity Annual Growth Rate

Source:  Annual 10-Ks & 10Qs

Equity Composition YE 2006

Stock Price Growth Rates

Efficiency + Competitive Edge

Good to Great-Metro Objective

  Core Competency

  Competitive Edge

  Market Expansion

  Efficiency & Financial Results

Thank you