![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_9911.jpg)
SunTrust Robinson Humphrey
Financial Services Unconference
Presentation by: George M. Lee, CEO
May 20th, 2008
![](https://capedge.com/proxy/8-K/0001171843-08-000397/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 2007 Annual Report on Form 10-K and other reports and
documents filed from time to time with the SEC.
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 2007 Annual Report on Form 10-K and other reports and
documents filed from time to time with the SEC.
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_9913.jpg)
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Texas Initiatives
v Maintain Houston Dominance
v Expedite Dallas Growth
v Expense Control
v Improve Fee Income
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_9916.jpg)
California Initiatives
v Asset Quality
v Expense Control
v Low Cost Deposit Growth
v Improve Fee Income
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_9917.jpg)
Greater China Initiatives
v Transform Relationships into Tangible
Results in the US through MetroBank and
Metro United Bank
Results in the US through MetroBank and
Metro United Bank
• Trade Finance
• Related Personal Banking Opportunities
• Potential Commercial Needs in the US
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_9918.jpg)
Xiamen 厦- Strategic Advantage
v 45 minutes from Taiwan
v 1 of the 4 Initial Special Economic Zones*
v Taiwan / Xiamen
v Regional growth
(as compared to Hong Kong / Shenzhen)
v 35 Fortune 500 companies have
invested in Xiamen*
* Source: 2005 Blue Book of City Competitiveness
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_9919.jpg)
Chongqing 重- Strategic Advantage
v Under direct control of central government, like
Beijing, Shanghai and Tianjin
Beijing, Shanghai and Tianjin
v Plays a key role in China’s “Go West” strategy
v Special Economic Zone newly set by China in
2007
2007
v Fourth largest motor vehicle manufacturing
center
center
* Source: 2005 Blue Book of City Competitiveness
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99110.jpg)
Metro Office
City View of Xiamen
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99111.jpg)
City View of ChongQing
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99112.jpg)
* Adjusted for stock split in 2006
$0.18
$0.20
$0.21
$0.29
$0.28
$0.21
$0.00
$0.10
$0.20
$0.30
$0.40
*Q1-03
*Q1-04
*Q1-05
Q1-06
Q1-07
Q1-08
Earnings Per Share - Diluted
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99113.jpg)
* Adjusted for stock split in 2006
$0.38
$0.79
$0.98
$1.22
$1.10
$0.00
$0.40
$0.80
$1.20
$1.60
*2003
*2004
*2005
2006
2007
Earnings Per Share - Diluted
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99114.jpg)
Asset Growth
$ in Millions
$867
$914
$1,128
$1,268
$1,460
$1,510
$500
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
$1,400
$1,500
$1,600
2003
2004
2005
2006
2007
Q1-08
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99115.jpg)
Total Loan Growth
$ in Millions
$557
$595
$771
$887
$1,202
$1,242
$400
$500
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
2003
2004
2005
2006
2007
Q1-08
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99116.jpg)
Deposit Growth
$ in Millions
$725
$755
$962
$1,082
$1,191
$1,197
$500
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
2003
2004
2005
2006
2007
Q1-08
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99117.jpg)
Nonperforming Assets - Net
$ in 000’s
* Net Nonperforming Assets are net of guarantees.
$24,968
$15,219
$17,294
$9,333
$8,192
$6,785
0.54%
0.74%
1.53%
2.88%
1.66%
0.46%
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
2003
2004
2005
2006
2007
Q1-08
0.0%
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
Net Nonperforming Assets *
Net Nonperform. Assets to Total Assets %
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99118.jpg)
Allowance to Nonperforming Loans
$ in 000’s
$10,308
$10,501
$13,169
$11,436
$14,588
$13,125
155.3%
172.2%
62.9%
40.1%
84.2%
121.1%
$0
$2,000
$4,000
$6,000
$8,000
$10,000
$12,000
$14,000
2003
2004
2005
2006
2007
Q1-08
0.0%
50.0%
100.0%
150.0%
200.0%
250.0%
Allowance for Loan Losses
Allowance to Nonperforming Loans %
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99119.jpg)
Source: SNL Financial and company record
Period
MCBI
UCBH
PFBC
EWBC
CATY
NARA
WIBC
HAFC
2008 Q1
4.09
3.04
4.11
3.63
3.16
4.15
3.83
3.73
2007 Q4
4.30
3.39
4.82
3.91
3.43
4.43
4.15
4.06
2006 Q4
4.61
3.34
5.19
3.81
4.01
5.10
4.34
4.59
2005 Q4
4.56
3.62
4.81
4.20
4.34
5.13
4.82
4.75
Net Interest Margin (%)
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99120.jpg)
Source: SNL Financial and company record
* Net NPAs are net of guarantees and accrual loans >90 days past due .
Period
MCBI
UCBH
PFBC
EWBC
CATY
NARA
WIBC
HAFC
2008 Q1
0.53
1.52
2.88
0.63
0.75
0.78
0.57
2.25
2007 Q4
0.38
0.55
1.90
0.57
0.84
0.72
0.48
1.37
2006 Q4
0.73
0.23
0.08
0.18
0.36
0.17
0.30
0.47
2005 Q4
1.53
0.38
-
0.30
0.30
0.35
0.13
0.32
2006
2007
Q1-08
MetroBank
0.92%
0.40%
0.52%
Metro United Bank
0.00%
0.30%
0.21%
Net NPAs / Assets (%)
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99121.jpg)
Source: SNL Financial and company record
Period
MCBI
UCBH
PFBC
EWBC
CATY
NARA
WIBC
HAFC
2008 Q1
1.17
1.23
1.63
1.32
0.98
1.11
1.17
1.60
2007 Q4
1.09
1.01
1.21
1.00
0.97
0.99
1.19
1.33
2006 Q4
1.29
0.91
1.03
0.95
1.05
1.10
1.20
0.96
2005 Q4
1.71
1.08
1.16
1.01
1.22
1.20
1.11
1.00
2006
2007
Q1-08
MetroBank
1.27%
1.13%
1.16%
Metro United Bank
1.37%
1.00%
1.20%
Reserves / Loans (%)
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99122.jpg)
2008
Q1
2007
Q4
2006
Q4
2005
Q4
Total Assets ($000)
1,110,318
1,084,899
1,011,445
916,346
Total Loans ($000)
895,729
866,602
702,525
636,694
FTE
264
277
292
284
Total Assets ($000) / FTE
4,206
3,917
3,464
3,227
Total Loans ($000) / FTE
3,393
3,129
2,406
2,242
FTE ’08 - MetroBank
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99123.jpg)
2008 Q1
2007 Q4
2006 Q4
2005 Q4
Total Assets ($000)
399,651
376,175
257,160
212,766
Total Loans ($000)
346,534
335,262
184,066
134,940
FTE
71
71
59
32
Total Assets ($000) / FTE
5,629
5,298
4,359
6,649
Total Loans ($000) / FTE
4,881
4,722
3,120
4,217
FTE ’08 - Metro United Bank
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99124.jpg)
Major Initiatives
1. Overall Expense Control
2. Metro United Bank
3. Non-Interest Income
4. China Contribution
5. Strengthen Deposit Generation
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99125.jpg)
Good to Great - Metro
Objectives
Objectives
v Core Competency
v Competitive Edge
v Market Expansion
v Efficiency & Financial Results
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![](https://capedge.com/proxy/8-K/0001171843-08-000397/exh_99126.jpg)
Thank You
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