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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.
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.
growth. Extending to part of
2010.
Strengthening
Our Platform
Our Platform
Growing Our
Platform
Platform
Harvesting From Our Platform
2010 - 2012
Good à Great
Good à Great
Extending to 2013
Strategic Transformation of MetroCorp
![](https://capedge.com/proxy/8-K/0001171843-09-000716/exh_9914.jpg)
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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
Market
Synergy
Northern
Southern
ChongQing
Xiamen
Houston
Dallas
CALIFORNIA
TEXAS
GREATER
CHINA
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
![](https://capedge.com/proxy/8-K/0001171843-09-000716/exh_99123.jpg)
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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
Our Platform
Growing Our
Platform
Platform
Harvesting From Our Platform
2010 - 2012
Good à Great
Good à Great
Extending to 2013
In ’08 & ’09:
Slowing down loan & asset
growth. Extending to part of
2010.
growth. Extending to part of
2010.
Strategic Transformation of MetroCorp
![](https://capedge.com/proxy/8-K/0001171843-09-000716/exh_99128.jpg)
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