MetroCorp Bancshares 8K The statements contained in this presentation that are not | SEC 10 Feb 09

KBW Texas Field Trip

February 11th, 2009

Presentation by: George M. Lee, CEO

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.

Good

Great

In ’08 & ’09:

Slowing down loan &

asset growth.
Extending to part

of 2010.

Strengthening Our
Platform

Growing Our Platform

Harvesting From Our Platform

Extending into 2013

Strategic Transformation of MetroCorp

Capital

Net Interest

Margin

Asset

Quality &

Provisions

Earning

Asset

Expense

Control

Future Earnings Platform

Expense Control

FTE

298

257

MUB

($ in millions)

Assets

$859

$1,155

$429

MUB

Loans

$575

$974

$372

MUB

Deposits

$709

$955

$319

MUB

FTE Expense Control

2004

2005

2006

2007

2008

2009

Q1 E

MetroBank

280

283

291

277

257

246

Metro United Bank

FTEs

2005 Q4

2006 Q4

2007 Q4

2008 Q4

2009 Q1 E

Total Assets ($000)

914,748

1,009,996

1,083,536

1,155,480

1,166,883

Total Loans ($000)

636,625

702,444

866,603

974,164

975,258

FTE

283

291

277

257

246

Total Assets ($000) / FTE

3,232

3,471

3,912

4,496

4,743

Total Loans ($000) / FTE

2,250

2,414

3,129

3,791

3,964

FTE - MetroBank

2005 Q4

2006 Q4

2007 Q4

2008 Q4

2009 Q1 E

Total Assets ($000)

212,782

257,211

376,218

429,128

430,375

Total Loans ($000)

134,848

184,112

335,308

371,883

375,872

FTE

Total Assets ($000) / FTE

6,649

4,360

5,299

6,812

7,294

Total Loans ($000) / FTE

4,214

3,121

4,723

5,903

6,371

FTE - Metro United Bank

Net Interest Margin

Source: SNL Financial and MCBI company record

MCBI

UCBH

PFBC

EWBC

CATY

2008 Q4

3.72

2.44

3.31

2.72

2.85

2007 Q4

4.30

3.39

4.82

3.91

3.43

2006 Q4

4.61

3.34

5.19

3.81

4.01

2005 Q4

4.56

3.62

4.81

4.20

4.34

Net Interest Margin (%)
Comparison Among NASDAQ Listed Chinese Ethnic Banks

MetroBank

4.50

4.37

4.04

3.99

Metro United Bank

3.59

3.56

3.54

3.56

MetroBank

4.95

4.65

4.86

4.64

Metro United Bank

4.04

4.41

4.07

4.35

2008

2007

Net Interest Margin (%)

Capital

•

2008

10.32%

• With CPP

13.33%

Total Risk-Based Capital Ratio

Asset Quality & Provisions

Source: SNL Financial and MCBI company record

MCBI

UCBH

PFBC

EWBC

CATY

2008 Q4

2.56

6.84

2.12

2.06

2007 Q4

0.38

0.55

1.90

0.57

0.84

2006 Q4

0.73

0.23

0.08

0.18

0.36

2005 Q4

1.53

0.38

0.00

0.30

* Net Nonperforming Assets are net of guarantee and accruing loan > 90 days delinquent.

Net NPA* / Assets (%)

Source: SNL Financial and MCBI company record

MCBI

UCBH

PFBC

EWBC

CATY

2008 Q4

1.53

2.20

1.56

2.16

1.64

2007 Q4

1.09

1.01

1.21

1.00

0.97

2006 Q4

1.29

0.91

1.03

0.95

1.05

2005 Q4

1.71

1.08

1.16

1.01

1.22

Reserves / Loans (%)

Nonperforming Assets (Net)

	2004	2005	2006	2007	2008
Net Nonperforming Assets *	$15,219	$17,294	$9,333	$6,785	$40,740
Net Nonperform. Assets to Total Assets %	1.66%	1.53%	0.73%	0.38%	2.56%
* Net Nonperforming Assets are net of guarantee and accruing loan > 90 days delinquent.

Allowance to Net Nonperforming Loans

	2004	2005	2006	2007	2008
Allowance for Loan Losses	$10,501	$13,169	$11,436	$13,125	$20,577
Allowance to Net Nonperforming Loans %	76.9%	98.1%	173.6%	247.1%	57.3%

* Net Nonperforming Assets are net of guarantee and accruing loan > 90 days delinquent.

Earning Asset Platform

Building
Market
Synergy

Northern

Southern

ChongQing

Xiamen

Houston

Dallas

Market Footprint

As of 12/31/08

$ in millions

• Assets

1,155

• Loans

974

• Deposits

955

• Branches

MetroBank (Texas)

Texas Initiatives

v Maintain Houston Dominance

v Asset Quality Improvement

v Expense Control

v Improve Fee Income

v Dallas Growth

As of: 12/31/08

$ in millions

• Assets

429

• Loans

372

• Deposits

319

• Branches

Metro United Bank (California)

California Initiatives

v Asset Quality Improvement

v Expense Control

v Improve Fee Income

v Low Cost Deposit Growth

MCBI Asset Growth

$ in millions

Mid single
digit ‘09

$867

$914

$1,128

$1,268

$1,460

$1,583

$200

$400

$600

$800

$1,000

$1,200

$1,400

$1,600

$1,800

2003

2004

2005

2006

2007

2008

MCBI Total Loan Growth

$ in millions

Mid single
digit ‘09

$557

$595

$771

$887

$1,202

$1,346

$200

$400

$600

$800

$1,000

$1,200

$1,400

2003

2004

2005

2006

2007

2008

MCBI Deposit Growth

$ in millions

High single
digit ‘09

$725

$755

$962

$1,082

$1,191

$1,269

$200

$400

$600

$800

$1,000

$1,200

$1,400

2003

2004

2005

2006

2007

2008

Earnings

0.79

1.29

0.98

1.62

1.22

1.95

1.10

2.00

0.40

1.82

$0.50

$1.00

$1.50

$2.00

$2.50

2004

2005

2006

2007

2008

Diluted EPS

PPPt EPS

Pre-Provision/Pre-Tax EPS

Good to Great - Metro Objectives

v Core Competency

v Competitive Edge

v Market Expansion

v Asset Quality

v Efficiency & Financial Results

Good

Great

In ’08 & ’09:

Slowing down loan &

asset growth.
Extending to part

of 2010.

Strengthening Our
Platform

Growing Our Platform

Harvesting From Our Platform

Extending into 2013

Strategic Transformation of MetroCorp

MetroCorp Bancshares Inactive 8-KThe statements contained in this presentation that are not