EX-99 2 exh_991.htm EXHIBIT 99.1
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.
2
FORWARD LOOKING STATEMENTS
 
 
 
3
 
 
 
4
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
 
 
 
5
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%
 
 
 
6
 
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%
7
* Net Nonperforming Loans include TDR but are net of guarantee and accruing loans > 90 days delinquent.
ALLOWANCE FOR LOAN LOSSES
 
 
 
8
 
 
 
9
METROBANK (TEXAS)
 As of 6/30/10   $ in millions
• Assets           $ 1,167
• Loans            $    878
• Deposits        $    999
• Branches               13
 
 
 
§  Maintain Texas Dominance
§  Asset Quality Improvement
§  Expense Control
§  International (China) Opportunity Expansion
10
TEXAS INITIATIVES
 
 
 
11
METRO UNITED BANK (CALIFORNIA)
 As of 6/30/10   $ in millions
• Assets           $ 462
• Loans            $ 347
• Deposits        $ 371
• Branches              6
 
 
 
§  Asset Quality Improvement
§  Expense Control
§  Improve Fee Income
§  Low Cost Deposit Growth
12
CALIFORNIA INITIATIVES
 
 
 
13
$ in millions
MCBI TOTAL ASSET TREND
 
 
 
$ in millions
MCBI TOTAL LOAN TREND
 
 
 
$ in millions
MCBI TOTAL DEPOSIT TREND
 
 
 
16
 
 
 
17
PRE-TAX PRE-PROVISION EPS
 
 
 
18
PRE-TAX PRE-PROVISION EPS
 
 
 
19
PRE-TAX PRE-PROVISION EPS
 
 
 
20
OPERATING GUIDELINES
ESTABLISH
PRIORITIES
CHOOSE THE
CULTURE
DETERMINE RISK
STRATEGY
IMPLEMENT RISK
CONTROLS
 STEP 1  STEP 2   STEP 3   STEP 4
VALUES DRIVEN
IMMEDIATE
EARNINGS
DRIVEN
PRODUCTION
DRIVEN
UNFOCUSED
CONSERVATIVE
MANAGED
AGGRESSIVE
VARIES/VARIOUS
BEHAVIOR
INFLUENCING
BEHAVIOR
DIRECTING
BEHAVIOR
CONTROLLING
ASSET QUALITY/
SOUNDNESS
IMMEDIATE
EARNINGS
GROWTH /
MARKET SHARE
NO CLEAR
PRIORITIES
?
X
X
X
X
 
 
 
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