![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9911.jpg)
SunTrust Robinson Humphrey
Financial Services Unconference
Presentation by: George M. Lee, CEO
May 23, 2007
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9912.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.
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/0001171843-07-000261/exh_9913.jpg)
Strategic Transformation of MetroCorp
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9914.jpg)
Market Footprint
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9915.jpg)
Source: U.S. Census,
estimate 2004
Texas’ Asian Population about 17% of
California
Asian Population in California & Texas
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9916.jpg)
Asian Population in Texas 2000-2004
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9917.jpg)
Asian Population in California
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9918.jpg)
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
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_9919.jpg)
Houston, TX
Dallas, TX
MetroBank Locations
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99110.jpg)
Representative Office in China
XIAMEN
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99111.jpg)
*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*
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99112.jpg)
Metro Office
City View - Xiamen
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99113.jpg)
Financial Results
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99114.jpg)
* Adjusted for stock split in 2006
Earnings Per Share – Diluted
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99115.jpg)
Asset Growth
$ in
Millions
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99116.jpg)
Total Loan Growth
$ in
Millions
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99117.jpg)
Deposit Growth
$ in
Millions
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99118.jpg)
Total Loans To Deposits
Ratio
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99119.jpg)
Nonperforming Assets
$ in 000’s
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99120.jpg)
Allowance to Nonperforming Loans
$ in 000’s
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99121.jpg)
Allowance For Loan Losses
$ in 000’s
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99122.jpg)
MetroCorp Bancshares, Inc.
vs.
Peer Banks
1998 - 2006
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99123.jpg)
(in millions)
Total Assets
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99124.jpg)
(in millions)
Source: Annual 10-Ks
Total Assets Acquired
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99125.jpg)
(in millions)
Source: Calculated from Annual 10-Ks &
10Qs
Organic Growth (Contraction)
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99126.jpg)
Source: Calculated from 10-Ks
Asset Composition YE 2006
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99127.jpg)
(in millions)
Source: Annual 10-Ks & 10Qs
Total Equity
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99128.jpg)
Source: Calculated from Annual 10-Ks
Equity Annual Growth Rate
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99129.jpg)
Source: Annual 10-Ks & 10Qs
Equity Composition YE 2006
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99130.jpg)
Stock Price Growth Rates
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99131.jpg)
Efficiency + Competitive Edge
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99132.jpg)
Good to Great-Metro Objective
Core Competency
Competitive Edge
Market Expansion
Efficiency & Financial Results
![](https://capedge.com/proxy/8-K/0001171843-07-000261/exh_99133.jpg)
Thank you