![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9911.jpg)
Presentation by George Lee, CEO
February 21st, 2008
KBW Texas Field Trip
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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.
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/0001171843-08-000134/exh_9913.jpg)
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·
Assets
·
FTE
·
Earnings
·
Loans
·
Deposits
·
Branches
1,191
$
18
1,460
$
350
1.10
$
1,202
$
MetroCorp Bancshares, Inc. (MCBI)
Largest Independent Publicly Traded
Asian Ethnic Banking Organization
Outside of California:
Asian Ethnic Banking Organization
Outside of California:
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9914.jpg)
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in millions
·
Assets
·
Loans
·
Deposits
·
Branches
1,153
$
953
$
971
$
12
MetroBank (Texas)
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9915.jpg)
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in millions
·
Assets
·
Loans
·
Deposits
·
Branches
376
$
335
$
287
$
6
Metro United Bank (California)
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9916.jpg)
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MARKET POTENTIAL
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9917.jpg)
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In thousands
HOUSTON
DALLAS-
FT.WORTH
FT.WORTH
AUSTIN
SAN
ANTONIO
ANTONIO
Source: U.S. Census Bureau
2000
2006 *
Houston-Galveston
Dallas-Fort Worth
195
305
Austin-San Marcos
44
75
San Antonio
24
46
Total Texas
562
787
* Regional population extrapolation from 2006
State Census estimates
Asian Population in Texas 2000-2006
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9918.jpg)
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9 Branches in Houston
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_9919.jpg)
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(In progress)
3 Branches in Dallas
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99110.jpg)
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Other Opportunities
Trade Finance
Joint Venture Companies
Representative Offices in China
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99111.jpg)
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Xiamen - - City View
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99112.jpg)
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Xiamen - Important Foreign Trade Port
One of top ten most competitive cities*
GAP achieved sustained annual growth
rate of 15% for 5 years in a row
rate of 15% for 5 years in a row
Electronics, Machinery and Chemical
industries
industries
* Source: 2005 Blue Book of City Competitiveness
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99113.jpg)
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Chongqing - - City View
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99114.jpg)
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Chongqing - The Largest Inland City
Under central government’s direct
control
control
Average growth rate of 11% for last 5
years
years
Population is twice that of Shanghai
* Source: City of Chongqing
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99115.jpg)
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Technology Enhancement
Remote Deposit Service
Merchant Credit Card Processing
Online Business Banking
Debit Card Reward Program
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99116.jpg)
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MetroCorp Performance
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99117.jpg)
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Peer
As of:
(in millions)
MCBI
Banks
*
12/31/2007
1,460
$
6,316
$
12/31/2006
1,268
$
5,475
$
2006 - - 07 growth rate
15.1%
15.4%
* Weighted average of peer banks includes UCBH, PFBC, NARA,
HAFC, EWBC, CATY, WIBC
MetroBank
1,009,912
1,083,536
73,624
$
7.3%
Metro United Bank
257,211
376,438
119,227
$
46.4%
Total Assets
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99118.jpg)
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Peer
As of:
(in millions)
MCBI
Banks
*
12/31/2007
1,202
$
4,553
$
12/31/2006
887
$
3,990
$
2006 - - 07 growth rate
35.6%
16.1%
* Weighted average of peer banks includes UCBH, PFBC, NARA,
HAFC, EWBC, CATY, WIBC
(in 000's)
MetroBank
702,484
866,602
164,118
$
23%
Metro United Bank
184,112
335,919
151,807
$
82%
Total Loans
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99119.jpg)
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Peer
As of:
(in millions)
MCBI
Banks
*
12/31/2007
1,191
$
4,170
$
12/31/2006
1,082
$
3,955
$
2006 - - 07 growth rate
10.1%
5.3%
* Weighted average of peer banks includes UCBH, PFBC, NARA,
HAFC, EWBC, CATY, WIBC
(in 000's)
MetroBank
870,400
909,521
39,121
$
4.5%
Metro United Bank
213,018
286,891
73,873
$
34.7%
Total Deposits
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99120.jpg)
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Peer
Period
MCBI
Banks
*
2007 Q4
4.34
4.03
2006 Q4
4.65
4.36
2005 Q4
4.59
4.55
* Weighted average of peer banks includes UCBH,
PFBC, NARA, HAFC, EWBC, CATY, WIBC
Net Interest Margin (%)
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99121.jpg)
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2005
2006
2006
2006
2006
2007
2007
2007
2007
Q4
Q1
Q2
Q3
Q4
Q1
Q2
Q3
Q4
MetroBank
5.01
5.28
5.08
5.20
5.12
4.95
4.65
4.86
4.58
Metro United Bank
4.03
3.97
4.63
3.64
3.80
4.04
4.41
4.07
4.10
Net Interest Margin (%)
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99122.jpg)
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Peer
As of:
MCBI
Banks
*
12/31/07
0.38
0.90
12/31/06
0.73
0.26
12/31/05
1.53
0.30
* Weighted average of peer banks includes
UCBH, PFBC, NARA, HAFC, EWBC,
CATY, WIBC
2006
2007
MetroBank
0.92%
0.52%
Metro United Bank
0.00%
0.30%
NPAs / Assets (%)
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99123.jpg)
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Peer
Period
MCBI
Banks
*
2007 Q4
65.96
42.71
* Weighted average of peer banks includes
UCBH, PFBC, NARA, EWBC, CATY, WIBC
2007
MetroBank
57.6%
Metro United Bank
78.7%
Efficiency Ratio
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99124.jpg)
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99125.jpg)
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MetroBank
280
283
291
279
275
Metro United Bank
-
32
58
71
75
FTEs
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99126.jpg)
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ALHAMBRA
SAN DIEGO
Operations
Credit
Administration
I.T. / Cash
Management
Metro United Bank
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99127.jpg)
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Operations
Credit
Administration
I.T. / Cash
Management
ALHAMBRA
CITY OF
INDUSTRY
SAN DIEGO
IRVINE
VAN NESS
SAN MATEO
Metro United Bank
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99128.jpg)
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2008 - - 2009 Outlook
Expense Control
More Moderate Growth
Utilization of Technology
New Products
Synchronize TX, CA, CHINA
![](https://capedge.com/proxy/8-K/0001171843-08-000134/exh_99129.jpg)
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Thank You