exh_991.htm

Keefe, Bruyette & Woods 9th Annual

Community Bank Investor Conference

Presentation by: George M. Lee, CEO

July 30th, 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.

In ’08 & ’09:

Slowing down loan
and asset growth

Strategic Transformation of MetroCorp

* Net NPA is net of guarantees

Strengthening Our Platform /
Growing Our Platform

Q1-04 Q2-08

FTE 298 (MB) 327

MB: 262

MUB: 65

($ in millions)

Net NPA* $23.5 $8.4

Assets $856 $1,578

Loans $572 $1,312

Deposits $709 $1,243

Market Footprint

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

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

Q2-08

Earnings Per Share - Diluted

Asset Growth

$ in Millions

$867

$914

$1,128

$1,268

$1,460

$1,578

$500

$600

$700

$800

$900

$1,000

$1,100

$1,200

$1,300

$1,400

$1,500

$1,600

2003

2004

2005

2006

2007

Q2-08

Total Loan Growth

$ in Millions

$557

$595

$771

$887

$1,202

$1,312

$400

$500

$600

$700

$800

$900

$1,000

$1,100

$1,200

$1,300

2003

2004

2005

2006

2007

Q2-08

Deposit Growth

$ in Millions

$725

$755

$962

$1,082

$1,191

$1,243

$500

$600

$700

$800

$900

$1,000

$1,100

$1,200

$1,300

2003

2004

2005

2006

2007

Q2-08

Nonperforming Assets - Net

$ in 000’s

* Net Nonperforming Assets are net of guarantees.

$24,968

$15,219

$17,294

$9,333

$8,472

$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

Q2-08

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

$15,520

$13,125

182.7%

172.2%

62.9%

40.1%

84.2%

121.1%

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

$14,000

$16,000

2003

2004

2005

2006

2007

Q2-08

0.0%

50.0%

100.0%

150.0%

200.0%

250.0%

Allowance for Loan Losses

Allowance to Nonperforming Loans %

Source: SNL Financial and MCBI company record

Period

MCBI

UCBH

PFBC

EWBC

CATY

2008 Q2

4.00

3.17

3.63

3.33

2.94

2008 Q1

4.09

3.04

4.11

3.63

3.16

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 (%)

Source: SNL Financial and MCBI company record

Period

MCBI

UCBH

PFBC

EWBC

CATY

2008 Q2

0.54

5.67

1.64

1.07

2008 Q1

0.54

1.75

2.88

0.63

0.79

2007 Q4

0.46

0.93

1.90

0.57

0.93

2006 Q4

0.74

0.27

0.08

0.18

0.46

2005 Q4

1.53

0.44

0.36

0.33

2006

2007

Q1-08

Q2-08

Metro Bank

0.92%

0.41%

0.53%

0.59%

Metro United Bank

0.00%

0.62%

0.56%

0.40%

NPAs / Assets (%)

Source: SNL Financial and MCBI company record

Period

MCBI

UCBH

PFBC

EWBC

CATY

2008 Q2

1.18

1.26

1.65

1.95

1.16

2008 Q1

1.17

1.23

1.63

1.32

0.98

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

2006

2007

Q2-08

MetroBank

1.27%

1.13%

1.18%

Metro United Bank

1.37%

1.00%

1.20%

Reserves / Loans (%)

Total Assets ($000)

1,145,890

1,084,899

1,011,445

916,346

Total Loans ($000)

943,127

866,602

702,525

636,694

FTE

262

277

292

284

Total Assets ($000) / FTE

4,376

3,917

3,464

3,227

Total Loans ($000) / FTE

3,602

3,129

2,406

2,242

FTE ’08 - MetroBank

Total Assets ($000)

433,386

376,175

257,160

212,766

Total Loans ($000)

368,438

335,262

184,066

134,940

FTE

Total Assets ($000) / FTE

6,667

5,298

4,359

6,649

Total Loans ($000) / FTE

5,668

4,722

3,120

4,217

FTE ’08 - Metro United Bank

Good to Great - Metro
Objectives

v Core Competency

v Competitive Edge

v Market Expansion

v Efficiency & Financial Results

Thank You