MetroCorp Bancshares 8-K Community Bank Investor Conference

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KBW 10th Annual

Community Bank Investor Conference

New York, NY

July 28th, 2009

Presentation by: George M. Lee

Executive Vice Chairman, President & CEO

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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 2008 Annual Report on Form 10-K and other
reports and documents filed from time to time with the SEC.

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Good

to

Great

In ’08 & ’09:

Slowing down loan & asset
growth. Extending to part of
2010.

Strengthening
Our Platform

Growing Our
Platform

Harvesting From Our Platform

2010 - 2012
Good à Great

Extending to 2013

Strategic Transformation of MetroCorp

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Future Earnings Platform

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Expense Control

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FTE - MetroBank

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FTE - Metro United Bank

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Net Interest Margin

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Net Interest Margin (%)

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Capital

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12/31/2008:10.17%

06/30/2009:13.58%

Total Risk-Based Capital Ratio

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Asset Quality & Provisions

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Nonperforming Assets (Net)

In $000’s	2005	2006	2007	2008	2009-Q1	2009-Q2
Net Nonperforming Assets *	$17,262	$9,304	$5,501	$55,695	$59,493	$55,144
Net Nonperforming Assets to Total Assets %	1.53%	0.73%	0.38%	3.52%	3.67%	3.42%

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

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Allowance to Net Nonperforming Loans

In $000’s	2005	2006	2007	2008	2009-Q1	2009-Q2
Allowance for Loan Losses	$13,169	$11,436	$13,125	$24,235	$24,158	$24,266
Allowance to Net Nonperforming Loans % *	98.31%	174.41%	325.93%	47.64%	47.43%	77.05%

* Net Nonperforming Loans are net of guarantee and accruing loans > 90 days delinquent.

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Earning Asset Platform

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Building
Market
Synergy

Northern

Southern

ChongQing

Xiamen

Houston

Dallas

CALIFORNIA

TEXAS

GREATER
CHINA

Market Footprint

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MetroBank (Texas)

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Texas Initiatives

v Maintain Houston Dominance

v Asset Quality Improvement

v Expense Control

v Improve Fee Income

v Dallas Growth

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Metro United Bank (California)

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California Initiatives

v Asset Quality Improvement

v Expense Control

v Improve Fee Income

v Low Cost Deposit Growth

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MCBI Total Asset Growth

$ in millions

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MCBI Total Loan Growth

$ in millions

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MCBI Total Deposit Growth

$ in millions

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Earnings

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Good to Great - Metro Objectives

v Asset Quality

v Core Competency

v Competitive Edge

v Efficiency & Cost Control

v Market Expansion

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Good

to

Great

Strengthening
Our Platform

Growing Our
Platform

Harvesting From Our Platform

2010 - 2012
Good à Great

Extending to 2013

In ’08 & ’09:

Slowing down loan & asset
growth. Extending to part of
2010.

Strategic Transformation of MetroCorp

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