MetroCorp Bancshares 8K Regulation FD Disclosure | SEC 19 May 08

SunTrust Robinson Humphrey

Financial Services Unconference

Presentation by: George M. Lee, CEO

May 20th, 2008

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.

Texas Initiatives

v Maintain Houston Dominance

v Expedite Dallas Growth

v Expense Control

v Improve Fee Income

California Initiatives

v Asset Quality

v Expense Control

v Low Cost Deposit Growth

v Improve Fee Income

Greater China Initiatives

v Transform Relationships into Tangible
Results in the US through MetroBank and
Metro United Bank

• Trade Finance

• Related Personal Banking Opportunities

• Potential Commercial Needs in the US

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

Chongqing 重- Strategic Advantage

v Under direct control of central government, like
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

v Fourth largest motor vehicle manufacturing
center

* Source: 2005 Blue Book of City Competitiveness

Metro Office

City View of Xiamen

City View of ChongQing

* 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

* 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

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

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

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

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%

$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 %

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%

$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 %

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 (%)

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

0.35

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 (%)

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 (%)

2008

2007

2006

2005

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

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

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

Major Initiatives

1. Overall Expense Control

2. Metro United Bank

3. Non-Interest Income

4. China Contribution

5. Strengthen Deposit Generation

Good to Great - Metro
Objectives

v Core Competency

v Competitive Edge

v Market Expansion

v Efficiency & Financial Results

Thank You

MetroCorp Bancshares Inactive 8-KRegulation FD Disclosure