Second-quarter profits at Tompkins Financial Corp. (NYSE: TMP) in Ithaca, N.Y., rose on increased loan revenue and fees, but fell short of analysts' estimates.

The $4.9 billion-asset company reported Friday a second-quarter profit of $11 million, up 25% from a year earlier However, earnings per share of 75 cents fell 8 cents short of the average expectation of analysts polled by Bloomberg.

Tompkins reported increased loan revenue due in part to its August 2012 acquisition of VIST Financial Corp., which added $1.4 billion to total assets. Net interest income climbed 42% from a year earlier to $39.8 million. Total interest-earning assets were $4.6 billion at the end of the period, up from $3.2 billion on June 30, 2012. The net interest margin widened 6 basis points, to 3.58%.

Noninterest income rose 30%, to $16.5 million, primarily on a rise in insurance fees.

Noninterest expenses grew 41%, to $37.8 million, primarily on a 47% increase in salaries and wages, to $16.2 million. The company attributed this mainly to the VIST acquisition.

The provision for loan losses was $2.5 million, up from $1.5 million from a year earlier. Tompkins' net recoveries were $1.2 billion, compared with charge-offs of $1 billion a year earlier.

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