United Financial Bancorp Inc., holding company for West Springfield-based United Bank, said its fourth quarter profit, net interest income and non-interest income all increased compared to the same period a year ago.

Assets, loans and deposits also increased, as did the bank’s provisions for loan losses.

The bank reported a $3 million profit for the quarter compared to $2.7 million a year prior. For the year, the profit was $11.2 million compared to $10 million in 2010.

Non-interest income increased 9 percent to $2.6 million during the quarter while net interest income increased 2 percent to $13.2 million. Non-interest expenses decreased 0.2 percent to $10.7 million while income taxes decreased 29 percent to $1.1 million.

The bank’s total assets increased 2 percent to $1.6 billion for the year. Non-performing assets declined to $10.5 million from $11 million in 2010.

United said it grew in all four quarters of the year and credited "profitably expanding our franchise" with that growth.

The company said it would pay a 9 cent-per-share dividend for the quarter.