MetroCorp Bancshares 8K Community Bank Investor Conference | SEC 26 Jul 10

KBW 11th Annual

Community Bank Investor Conference

New York, NY

July 27th, 2010

Presentation by: George M. Lee

Executive Vice Chairman, President & CEO

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 2009 Annual Report on Form 10-K
and other reports and documents filed from time to time with the SEC.

FORWARD LOOKING STATEMENTS

NET INTEREST MARGIN (%)

	2009				2010
	Q1	Q2	Q3	Q4	Q1	Q2
MetroBank	3.70	3.86	3.11	4.10	4.39	3.98
Metro United Bank	3.15	3.31	3.67	3.48	3.28	3.69

	2007				2008
	Q1	Q2	Q3	Q4	Q1	Q2	Q3	Q4
MetroBank	4.95	4.65	4.86	4.64	4.50	4.37	4.04	3.99
Metro United Bank	4.04	4.41	4.07	4.35	3.59	3.56	3.54	3.56

CAPITAL RATIOS

	TOTAL RISK BASED CAPITAL RATIO	TANGIBLE COMMON EQUITY CAPITAL RATIO
6/30/2010	14.57%	5.85%
12/31/2009	13.80%	5.79%
12/31/2008	10.17%	6.22%

In $000’s	2005	2006	2007	2008	2009	2010- Q1	2010- Q2
Net Nonperforming Assets *	$17,262	$9,304	$5,501	$55,695	$100,309	$97,456	$79,664
Net Nonperforming Assets to Total Assets %	1.53%	0.73%	0.38%	3.52%	6.31%	6.10%	4.9%

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

NON-PERFORMING ASSETS (NET)

In $000’s	2005	2006	2007	2008	2009	2010-Q1	2010-Q2
Allowance for Loan Losses	$13,169	$11,436	$13,125	$24,235	$29,403	$34,732	$36,004
Allowance to Net Nonperforming Loans % *	98.31%	174.41%	325.93%	47.64%	37.69%	49.29%	58.85%