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Financial Institutions Inc., the Warsaw-based parent company of Five Star Bank, reported third-quarter net income of $6.2 million, a 44 percent increase from a year ago.

Its net interest income was $22.8 million, down 1.3 percent from a year ago, while its noninterest income was $6.2 million, down 2.4 percent from the third quarter of 2012.

The bank said it recorded strong loan growth from the second quarter, and noted its noninterest expense total declined for the second straight quarter.

Financial Institutions also is “seeing the initial returns from our move to streamlined retail checking products, which have enjoyed widespread customer acceptance and satisfaction,” said Martin K. Birmingham, Financial Institutions’ president and chief executive officer, in a statement.