WARSAW, N.Y. (AP) _ Financial Institutions Inc. (FISI) on Monday reported fourth-quarter net income of $12.1 million.

The Warsaw, New York-based bank said it had earnings of 76 cents per share.

The holding company for Five Star Bank posted revenue of $68.7 million in the period. Its revenue net of interest expense was $54.1 million, surpassing Street forecasts.

For the year, the company reported profit of $56.6 million, or $3.56 per share. Revenue was reported as $213.6 million.

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