WARSAW, N.Y. (AP) _ Financial Institutions Inc. (FISI) on Monday reported fourth-quarter earnings of $19.6 million.

The Warsaw, New York-based bank said it had earnings of $1.21 per share.

The holding company for Five Star Bank posted revenue of $55.4 million in the period. Its revenue net of interest expense was $52.5 million, which topped Street forecasts.

For the year, the company reported profit of $77.7 million, or $4.78 per share. Revenue was reported as $201.6 million.

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