WARSAW, N.Y. (AP) _ Financial Institutions Inc. (FISI) on Thursday reported fourth-quarter net income of $13.8 million.

The bank, based in Warsaw, New York, said it had earnings of 84 cents per share.

The holding company for Five Star Bank posted revenue of $51.5 million in the period. Its revenue net of interest expense was $47.5 million, topping Street forecasts.

For the year, the company reported profit of $38.3 million, or $2.30 per share. Revenue was reported as $182.2 million.

Financial Institutions shares have climbed 5% since the beginning of the year. In the final minutes of trading on Thursday, shares hit $23.62, a decline of 24% in the last 12 months.

This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on FISI at https://www.zacks.com/ap/FISI

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