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|                                                 |   | 2010                                             |    |   | 2009   |   |
|------------------------------------------------------|--------|--------------------------------------------------|---------|--------|--------|--------|
| FOR THE YEAR ENDED DECEMBER 31                       |   | (Dollars in thousands, except per share amounts) |    |
| Net income                                           |   | $                                                | 1,233   |   |   | $      | 3,634 |   |
| Net income available to common stockholders          |   |                                             | 683     |   |   |   | 3,130 |   |
| Weighted average number of common shares outstanding |   |                                             | 5,843   |   |   |   | 5,832 |   |
| Earnings per common share                            |   |                                             |    |   |   |   |   |   |
| Basic earnings jeer common share                     |   |                                             | 0.12    |   |   |   | 0.54 |   |
| Diluted earnings per common share                    |   |                                             | 0.12    |   |   |   | 0.54 |   |
| Cash dividends declared                              |   |                                             | 0.24    |   |   |   | 0.36 |   |
| Book value at year end                               |   |                                             | 7.24    |   |   |   | 7.50 |   |
|                                                 |   |                                             |    |   |   |   |   |   |
|                                                 |   |                                             |    |   |   |   |   |   |
| BALANCE SHEET DATA AT DECEMBER 31                    |   |                                             |    |   |   |   |   |   |
| Total assets                                         |   |                                             | 688,118 |   |   |   | 663,844 |   |
| Total gross loans                                    |   |                                             | 451,867 |   |   |   | 460,476 |   |
| Allowance for loan losses                            |   |                                             | 8,490   |   |   |   | 6,920 |   |
| Total deposits                                       |   |                                             | 575,603 |   |   |   | 529,930 |   |
| Stockholders' equity                                 |   |                                             | 52,132  |   |   |   | 53,511 |   |
|                                                 |   |                                             |    |   |   |   |   |   |
|                                                 |   |                                             |    |   |   |   |   |   |
| CONSOLIDATED RATIOS                                  |   |                                             |    |   |   |   |   |   |
| Return on average assets                             |   |                                             | 0.18    | %      |   |   | 0.57 | % |
| Return on average common equity                      |   |                                             | 1.55    | %      |   |   | 7.25 | % |
| Tier 1 capital to average assets (leverage)          |   |                                             | 8.58    | %      |   |   | 9.22 | % |
| Tier 1 capital to risk-adjusted assets               |   |                                             | 12.20   | %      |   |   | 11.99 | % |
| Total capital to risk-adjusted assets                |   |                                             | 13.45   | %      |   |   | 13.24 | % |

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|  ASB associates and family members outside of the Relief Busin New York City. |  Pictured from Left to Right:ThomasMaselli,North HaledonBranchManager; Scott Hoek and Robert Fousse of the North HaledonVolunteer Ambulance Squad. |

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| Bergen                                                                                                                                                                                                                                                      | Morris                                                                                                                                                                                                                                           | Passaic                                                                                                                                                                              |
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| Janyce BandstraRichard Barclay John Belanus Mark BorstRichard J. Brady, Esq.Andreas Comodromos, CPAWilliam CookPeter V. DemarestRobert Galorenzo, MDPaul D. HeeremaBartel LeegwaterJohn ScoccolaRoger SteigingaJames D. Vaughan III, Esq.David Visbeen | Antonia DaughtryDavid De Vries, CPARobert E. FazekasGregory A. GoldenBrian W. Hanse, Esq., CPAGarret A. Hoogerhyde, CPAVernon KuikenJeffrey T. MassaroJoseph PellegrinoEdward RamirezBernadette SolariAbe Van WingerdenAnita Van Wingerden  | Vince Brosnan Mary ForshayShanti JostRuth KuderWayne KuikenWilliam A. Monaghan III, Esq.MarkReitsma, CFPClifford Vander MaySusan Vander PloegCharles VerhoogRalph Wiegers  |

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|   What makes Atlantic Stewardship Bank unique is the fact that every year the Bank gives away 10% of its pre-tax earnings. The Bank was founded on the Biblical Old Testament tenet of tithing or giving back one tenth to God. Each year, Atlantic Stewardship Bank tithes, or shares ten percent of its pre-tax earnings with Christian and local non-profit organizations selected by the Board of Directors. The original founders of the Bank were so deeply committed to this concept, that the Tithing Program defines our mission and is part of our corporate by-laws. In 2010, the Bank's tithe was $360,000 enabling it to share with 280 recipients. Since the program's inception, Atlantic Stewardship Bank has distributed $7.3 million in total tithe donations.The thought of a bank giving away ten percent of its profits every year is highly unusual, especially in the current economy. We continue to do so because, as mentioned above, the concept of tithing was extremely important to the founders of the Atlantic Stewardship Bank; so much so that it is written into the Bank's corporate by-laws. Atlantic Stewardship Bank considers it a privilege to be able to continue to share our profits with worthy organizations. |
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| *Africa Inland Mission *American Christian School *Back to God Ministries International *Bergen County Society *Bethany Christian Services of New Jersey *Calvary Christian Academy *Calvin College *Calvin Theological Seminary  *Cary Christian Center *Cathedral Choir *Catholic Charities  *Christian Health Care Center  | *Christian Reformed World Relief Committee *Christian Schools International *Crossroads Bible Institute *CUMAC *Dawn Treader Christian School *Eastern Christian Children's Retreat *Eastern Christian School Association *Elim Christian Services *Eva's Village *Faith Ministries of White Lake, NY *Father's Cupboard *Fellowship Homes | *Florence Christian Home *Friendship Ministries *Gideons International Lakeland Camp *Gideons International Passaic Valley Camp *Gideons International Ramapo Camp *Good Shepherd Mission *Goshen Christian School *Grace Counseling Ministries *Habitat for Humanity ofBergen County *Harvest Outreach Ministries  | *Hawthorne Christian Academy *Hawthorne Ecumenical Council — Crop Walk *Holland Christian Home *Hope House *International Networx *King's Kids Pre-School and Daycare *Lancaster Bible College *Lighthouse Pregnancy Resource Center *Little Sisters ofThe Poor & St. Joseph's Home for the Elderly *Lord's Day Alliance ofNJ   |
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| *The Luke Society *Madison Avenue Baptist Academy *Madison Avenue Crossroads Community Ministries *Mary Help ofChristians Academy *Mid Atlantic Ministries *Mississippi Christian Family Services *Mt. Hope Camp *Mustard Seed School *Netherlands Reformed Christian School *New City Kids *New Hope *New Hope Community Ministries *New Jersey Family Policy Council *Northeast Community Transformation *North Jersey Home Schoolers Association | *Northside Community Christian Reformed Church Day Camp *Oasis — A Haven for Women and Children *Operation Double Harvest — Haiti *Paterson Habitat for Humanity *Prison Fellowship Ministries *Puritan Reformed Theological Seminary *Ridgewood YMCA *Ringwood Christian School *Ron Hutchcraft Ministries *The Salvation Army — Paterson Branch *Siena Village at Wayne *Sonshine  Christian Academy *St. Anthony's School *St. Augustine Presbyterian Church — Multi Service Center  | *St. Elizabeth's Interparochial School *St. Joseph's Regional Medical Center *St. Joseph's Wayne Hospital *St. Luke Community Development Center *St. Philip's Camp Youth Development Program & Coffee Pot Ministry *St. Pius X School *Star of Hope Ministries *Strategic Prayer Command *Sussex Christian School *Touch the World Ministries *Trinity Christian School *United Paterson Development Corporation — After School Literacy & Safe Space Programs *Unity Christian Reformed Church After School Program  | *Veritas Christian Academy *Waldwick Seventh Day Adventist School *Wayne Interfaith Network — Food Pantry *Westminster Theological Seminary *World for Christ Crusade *Wyckoff Christian Pre-School *Wyckoff Family YMCA *Wyckoff Reformed Church Food Pantry *YWCA of Bergen County  |
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| American Cancer Society American Legion Post 242 -Pompton Plains *Andrew L. Hicks, Jr. Foundation The Arc of Bergen and Passaic Counties Bergen County Wildcats Special Olympics Program Bergen Philharmonic Orchestra *Bethlehem Lutheran Church Upward Christian Basketball League Boys & Girls Club of Northwest NJ *Camp Hope ofHackensack *Catholic Family & Community Services Center for Food Action Childhood Cancer Society Children's Aid &Family Services Children's Institute Chilton Memorial Hospital *Church ofthe Transfiguration Outreach Ministries Community Hospice ofBergen County | Community Meals *Cornerstone Chapel Television Ministry *Covenant House NewJersey Creative Living Counseling Center Cyprus Children's Fund Cystic Fibrosis Foundation DACKKs Group for Supportive Housing Deborah Hospital Foundation *Dedication Evangelism *Emergency Food Coalition of Passaic County Emmanuel Cancer FoundationForum School Foundation for Free Enterprise Foundation for the Handicapped Fraternal Order of Police Lodge #411 Friends ofthe Hermitage Gift ofLife — Rotary Clubs in District 7490 Girl Scouts of Northern New Jersey | *Grace United Methodist Church Nursery School Greater Paterson Chamber Commerce Hawthorne Baseball/ Softball Association Hawthorne Caballeros Hawthorne Chamber ofCommerce Hawthorne Community Library Foundation Hawthorne Day Hawthorne Domestic Violence Response Team Hawthorne Fire Department Hawthorne High School Hawthorne — Louis Bay 2nd Library Hawthorne Rotary Club Hawthorne VFW District #1 Hawthorne Volunteer Ambulance Corps Healing the Children Midlantic *Hispanic Info Center of Passaic Hispanic Multi-Purpose Service Center  | Ho-Ho-Kus Memorial Volunteer Ambulance Corps The Holmstead School *Hope Ministry *Immaculate Conception Church GolfOuting *Immaculate Heart ofMary School *Interchurch Softball League *Knights of Columbus 5920 — Msgr. Joseph Brestel Council *Knights ofColumbus 5257 — St. Luke's Council Leaders Beyond Borders "Legacy Minded Men The Love Fund ofWyckoff "Martin Luther King, Jr. Day Memorial Day Nursery *Metro Kiddie Academy Christian Pre-School & Daycare Midland Park Ambulance Corps Midland Park Baseball Association Midland Park Chamber ofCommerce  |
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| Midland Park Children's Love Fund Midland Park Junior Football & Cheerleading Association Midland Park Lions Club Midland Park Memorial Library Midland Park Public Education Foundation Midland Park Volunteer Fire Company Midland Park Volunteer Fire Department Midland Park/Wyckoff VFW Post #7086 Mohawk Athletic Club of Hawthorne Montville Baseball & Softball Association Montville Chamber of Commerce Montville Fire Department Montville Free Public Library Montville — Lazar Middle School Parent Teacher Council Montville Township First Aid Squad Montville Township Fourth of July Committee Montville Township High School Parent Teacher Council New Bridge Services New Jersey Citizen Action Education Fund New Jersey Community Development Corporation  | *New Jersey District-Lutheran Church Missouri Synod Mission Golf Classic New Jersey Lions District 16A Charitable Foundation New Jersey State Organization of Cystic Fibrosis North Haledon PBA Local 292 North Haledon Recreation Committee North Haledon UNICO North Jersey Chorus North Stars Association for Competitive Gymnastics The Order  of the Lamp Scholarship Fund Pascack Valley Chamber of Commerce Passaic County Education Associations Passaic County Historical Society Pequannock Friends of Wrestling Pequannock Street Fair Pequannock Township Food Pantry Pequannock Township High School Band Parents Association Pequannock Township Little League Pequannock Township Public Library Pequannock Township Volunteer Fire Department Engine Co. #1 Pequannock Township Volunteer Fire Department Engine Co. #2 | Pequannock UNICO Pompton Falls Volunteer Fire Department #3 *Power House Christian Church Outreach Ministries *Preakness Reformed Church R.I.S.E Mission Program Prospect Park Volunteer Fire Department Ridgewood Biddy Basketball Ridgewood Cares Ridgewood Chamber of Commerce Ridgewood Dads' Night — Somerville-Hawes Schools Ridgewood Emergency Services (FOREST) Ridgewood Fourth of July Committee, Inc. Ridgewood Rotary Club *Royal Family Kids Camp Saddle River Day School Share (Share Housing Association for Ridgewood and Environs) Shomrei Torah — Wayne Conservative Congregation Sons of the American Legion Post — Pequannock *St. Joseph Church Outreach Programs *St. Luke's Church Ministry Programs *St. Pius X Knights of Columbus Temple Israel & Jewish Community Center Tomorrows Children's Fund Torpedoes Soccer Club Towaco Civic Association Tri-County Chamber of Commerce UJA Federation of NY *United Methodist Church Golf Outing The USO Valley Hospital Waldwick Baseball/Softball Association Waldwick Chamber of Commerce Waldwick Community Alliance Waldwick High School  | Waldwick Lions Club Waldwick Public Library Waldwick Recreation Trust Fund Waldwick Soccer Association Waldwick VFW Post 1049 Waldwick Volunteer Ambulance Corps Wayne Adult Community Center Wayne — Community Volunteer Fire Company #1 Wayne Counseling and Family Services Wayne Day Wayne Hills High School Wayne Hills High School Band Boosters Wayne — John F. Kennedy School Wayne Lions Club Wayne Little League Wayne Little League — NJ District 2 Wayne Police Athletic League Wayne Public Library Wayne Township Memorial First Aid Squad Wayne Valley High School Project Graduation West Bergen Mental Healthcare West Milford — Marshall Hill School Westwood Chamber of Commerce Westwood Roller Hockey Association Westwood Softball Association Woodcliff Lake Baseball Wyckoff Chamber of Commerce Wyckoff Education FoundationWyckoff Fire Department Wyckoff Fire Department Company #1 Wyckoff-Midland Park Rotary Club Wyckoff Free Public Library Wyckoff Volunteer Ambulance Corps Youth Consultation Service *Zion Lutheran School *Denotes Christian Charity  |
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| Stewardship Financial Corporation Officers William C. Hanse, Esq. Chairman of the Board of Directors Michael A. Westra, CPA Vice Chairman of the Board of Directors Paul Van Ostenbridge President and Chief Executive Officer Robert J. TurnerSecretary Claire M. ChadwickSenior Vice Presidentand Chief Financial Officer John W. Hain, Sr.Senior Vice President and Senior Commercial Loan Manager Julie E. HollandSenior Vice President and Chief Risk Officer Robert C.VlietSenior Vice Presidentand Consumer Loan Manager Angela P. TuriVice President Mary Beth SteigingaAssistant Vice President  | AtlanticStewardship Bank Officers Paul Van OstenbridgePresident andChief Executive Officer Claire M. ChadwickSenior Vice Presidentand Chief Financial Officer John W. Hain, Sr.Senior Vice President and Senior Commercial Loan Manager Julie E. HollandSenior Vice President and Chief Risk Officer Robert C.VlietSenior Vice Presidentand Consumer Loan Manager Jeanne ChicheloVice President Janet DeckerVice President Diane IngrassiaVice President Joseph LomorielloVice President Rene MirandaVice President Douglas OlsenVice President Cynthia PerrottaVice President Richard PowersVice President Raymond SanthouseVice President  | GailK.TilstraVice President Angela P. Turi Vice President Karen Bulley Assistant Vice President Thomas Dacey Assistant Vice President Richard Densel Assistant Vice President John Krantz Assistant Vice President Nicholas Latora Assistant Vice President John Lindemulder Assistant Vice President Grace Lobbregt Assistant Vice President Thomas Maselli Assistant Vice President Karen Mullane Assistant Vice President Paul Pellegrine Assistant Vice President Clarence Reinstra Assistant Vice President Louise Rohner Assistant Vice President Mary Beth Steiginga Assistant Vice President Ellie King Assistant Secretary  | Kristine RasileAssistant Secretary Judi RothwellAssistant Secretary Barbara VincentAssistant Secretary Tonni Von SchaumburgAssistant Secretary Bibi DavidAdministrative Assistant Janet GarippaAdministrative Assistant Catherine GrinkinAdministrative Assistant George KotevskiAdministrative Assistant Jean SchaverAdministrative Assistant Paula ScottAdministrative Assistant Rigo SilvaAdministrative Assistant William TussiAdministrative Assistant Alejandro UrquicoAdministrative Assistant Joan Van HoutenAdministrative Assistant Ken WehingerAdministrative Assistant  |
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| CORPORATE ATTORNEYS                                                                                                                                                                                                                         | STEWARDSHIPFINANCIAL CORPORATION                                                                                                                                                                                                                                                                                                                                                                                                                      | TRANSFER AGENT REGISTRAR ANDDIVIDEND REIMBURSEMENT AGENT                                                                                                                                                                                                                                            |
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| Stewardship Financial Corporation McCarter & English, LLPAttorneys at Law4 Gateway CenterNewark, NJ 07102973-622-4444 Atlantic Stewardship Bank Hanse & Hanse2035 Hamburg TurnpikeSuite EWayne, NJ 07470973-831-8700 | STEWARDSHIPFINANCIAL CORPORATION We are proud to advise the followingbrokers make a market in StewardshipFinancial Corporation stock: Keefe, Bruyette & Woods, Inc.787 Seventh Avenue, 4th FloorNew York, NY 10019212-887-7777 Sandler O’Neill & Partners, L.P.919 Third Avenue, 6th FloorNew York, NJ 10022800-635-6851 Stifel, Nicolaus & Company, Inc.18 Columbia TurnpikeFlorham Park, NJ 07932800-793-7226 | To report a change of name oraddress, or a lost stock certificate ordividend check, contact: Registrar and Transfer Company10 Commerce DriveCranford, NJ 07016800-368-5948www.rtco.com Shareholder RelationsStewardship Financial CorporationCorporate Division201-444-7100www.asbnow.com |

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| HEADQUARTERS –MIDLAND PARK630 Godwin Avenue Raymond J. SanthouseBranch Manager, Vice President& Regional Manager Karen MullaneAssistant Branch Manager& Assistant Vice President HAWTHORNE386 Lafayette Avenue& 1111 Goffle Road Diane IngrassiaBranch Manager, Vice President& Regional Manager Grace LobbregtAssistant Branch Manager& Assistant Vice President MONTVILLE2 Changebridge Road Judi RothwellBranch Manager& Assistant Secretary NORTH HALEDON33 Sicomac Road Thomas A. MaselliBranch Manager& Assistant Vice President Linda MartinBranch Operations Manager | PEQUANNOCK249 Newark-Pompton Turnpike Louise RohnerBranch Manager& Assistant Vice President Kristine RasileAssistant Branch Manager& Assistant Secretary RIDGEWOOD190 Franklin Avenue Paul J. PellegrineBranch Manager& Assistant Vice President Catherine GrinkinAssistant Branch Manager& Administrative Assistant WALDWICK64 Franklin Turnpike Richard DenselBranch Manager& Assistant Vice President Michelle AlbertAssistant Branch Manager WAYNE400 Hamburg Turnpike Douglas OlsenBranch Manager, Vice President& Regional Manager Janet GarippaAssistant Branch Manager& Administrative Assistant | WAYNE HILLS87 Berdan Avenue John LindemulderBranch Manager& Assistant Vice President George KotevskiAssistant Branch Manager& Administrative Assistant WAYNE VALLEY311 Valley Road Alejandro UrquicoBranch Manager& Administrative Assistant WESTWOOD200 Kinderkamack Road Barbara VincentBranch Manager& Assistant Secretary WYCKOFF378 Franklin Avenue Thomas A. MaselliBranch Manager& Assistant Vice President Joan Van HoutenAssistant Branch Manager& Administrative Assistant |
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