Civic Intelligence

Century Savings Bank

Plan context: Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust

EIN 21-0412935 • Vineland, NJ • 53 filings • 8 plans

1376 W. Sherman AvenueVineland, NJ 08360
Current Snapshot

Latest Year

2024

2024 Participants

86

2024 Assets

$26,920,406

2024 Contributions

$659,893

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$28,187,055$14,093,528$0199920132024YearValue
$26,920,406Latest year 2024

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

108540199920122024YearValue
86Latest year 2024

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
2024286$26,920,406$659,893$7,673iApproximate average salary by contribution assumption: employee only about $191,829 at 4% or $127,886 at 6%; with 50% employer match about $127,886 at 4% or $85,257 at 6%; with 100% employer match about $95,915 at 4% or $63,943 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-86$18,345,417$2$0iApproximate average salary by contribution assumption: employee only about $1 at 4% or $0 at 6%; with 50% employer match about $0 at 4% or $0 at 6%; with 100% employer match about $0 at 4% or $0 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-79$8,574,989$659,891$8,353iApproximate average salary by contribution assumption: employee only about $208,826 at 4% or $139,218 at 6%; with 50% employer match about $139,218 at 4% or $92,812 at 6%; with 100% employer match about $104,413 at 4% or $69,609 at 6%.
2023291$26,972,102$989,504$10,874iApproximate average salary by contribution assumption: employee only about $271,842 at 4% or $181,228 at 6%; with 50% employer match about $181,228 at 4% or $120,819 at 6%; with 100% employer match about $135,921 at 4% or $90,614 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-88$18,649,015$400,000$4,545iApproximate average salary by contribution assumption: employee only about $113,636 at 4% or $75,758 at 6%; with 50% employer match about $75,758 at 4% or $50,505 at 6%; with 100% employer match about $56,818 at 4% or $37,879 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-91$8,323,087$589,504$6,478iApproximate average salary by contribution assumption: employee only about $161,952 at 4% or $107,968 at 6%; with 50% employer match about $107,968 at 4% or $71,979 at 6%; with 100% employer match about $80,976 at 4% or $53,984 at 6%.
2022288$24,045,985$1,466,240$16,662iApproximate average salary by contribution assumption: employee only about $416,545 at 4% or $277,697 at 6%; with 50% employer match about $277,697 at 4% or $185,131 at 6%; with 100% employer match about $208,273 at 4% or $138,848 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-88$17,169,452$800,000$9,091iApproximate average salary by contribution assumption: employee only about $227,273 at 4% or $151,515 at 6%; with 50% employer match about $151,515 at 4% or $101,010 at 6%; with 100% employer match about $113,636 at 4% or $75,758 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-85$6,876,533$666,240$7,838iApproximate average salary by contribution assumption: employee only about $195,953 at 4% or $130,635 at 6%; with 50% employer match about $130,635 at 4% or $87,090 at 6%; with 100% employer match about $97,976 at 4% or $65,318 at 6%.
2021294$28,187,055$1,473,548$15,676iApproximate average salary by contribution assumption: employee only about $391,901 at 4% or $261,267 at 6%; with 50% employer match about $261,267 at 4% or $174,178 at 6%; with 100% employer match about $195,951 at 4% or $130,634 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-94$20,617,876$803,613$8,549iApproximate average salary by contribution assumption: employee only about $213,727 at 4% or $142,485 at 6%; with 50% employer match about $142,485 at 4% or $94,990 at 6%; with 100% employer match about $106,863 at 4% or $71,242 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-89$7,569,179$669,935$7,527iApproximate average salary by contribution assumption: employee only about $188,184 at 4% or $125,456 at 6%; with 50% employer match about $125,456 at 4% or $83,637 at 6%; with 100% employer match about $94,092 at 4% or $62,728 at 6%.
20202103$25,370,956$1,428,486$13,869iApproximate average salary by contribution assumption: employee only about $346,720 at 4% or $231,147 at 6%; with 50% employer match about $231,147 at 4% or $154,098 at 6%; with 100% employer match about $173,360 at 4% or $115,573 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-103$19,176,537$800,570$7,773iApproximate average salary by contribution assumption: employee only about $194,313 at 4% or $129,542 at 6%; with 50% employer match about $129,542 at 4% or $86,361 at 6%; with 100% employer match about $97,157 at 4% or $64,771 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-86$6,194,419$627,916$7,301iApproximate average salary by contribution assumption: employee only about $182,534 at 4% or $121,689 at 6%; with 50% employer match about $121,689 at 4% or $81,126 at 6%; with 100% employer match about $91,267 at 4% or $60,845 at 6%.
20192108$21,456,137$1,345,861$12,462iApproximate average salary by contribution assumption: employee only about $311,542 at 4% or $207,695 at 6%; with 50% employer match about $207,695 at 4% or $138,463 at 6%; with 100% employer match about $155,771 at 4% or $103,847 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-108$16,315,387$800,000$7,407iApproximate average salary by contribution assumption: employee only about $185,185 at 4% or $123,457 at 6%; with 50% employer match about $123,457 at 4% or $82,305 at 6%; with 100% employer match about $92,593 at 4% or $61,728 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-79$5,140,750$545,861$6,910iApproximate average salary by contribution assumption: employee only about $172,741 at 4% or $115,161 at 6%; with 50% employer match about $115,161 at 4% or $76,774 at 6%; with 100% employer match about $86,370 at 4% or $57,580 at 6%.
20182107$17,340,002$1,128,846$10,550iApproximate average salary by contribution assumption: employee only about $263,749 at 4% or $175,833 at 6%; with 50% employer match about $175,833 at 4% or $117,222 at 6%; with 100% employer match about $131,875 at 4% or $87,916 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-107$13,483,255$800,000$7,477iApproximate average salary by contribution assumption: employee only about $186,916 at 4% or $124,611 at 6%; with 50% employer match about $124,611 at 4% or $83,074 at 6%; with 100% employer match about $93,458 at 4% or $62,305 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-79$3,856,747$328,846$4,163iApproximate average salary by contribution assumption: employee only about $104,065 at 4% or $69,377 at 6%; with 50% employer match about $69,377 at 4% or $46,251 at 6%; with 100% employer match about $52,033 at 4% or $34,688 at 6%.
2017299$18,067,483$1,083,558$10,945iApproximate average salary by contribution assumption: employee only about $273,626 at 4% or $182,417 at 6%; with 50% employer match about $182,417 at 4% or $121,611 at 6%; with 100% employer match about $136,813 at 4% or $91,209 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-99$14,052,330$800,000$8,081iApproximate average salary by contribution assumption: employee only about $202,020 at 4% or $134,680 at 6%; with 50% employer match about $134,680 at 4% or $89,787 at 6%; with 100% employer match about $101,010 at 4% or $67,340 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-80$4,015,153$283,558$3,544iApproximate average salary by contribution assumption: employee only about $88,612 at 4% or $59,075 at 6%; with 50% employer match about $59,075 at 4% or $39,383 at 6%; with 100% employer match about $44,306 at 4% or $29,537 at 6%.
2016299$15,493,653$1,065,896$10,767iApproximate average salary by contribution assumption: employee only about $269,166 at 4% or $179,444 at 6%; with 50% employer match about $179,444 at 4% or $119,629 at 6%; with 100% employer match about $134,583 at 4% or $89,722 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-99$11,986,085$800,000$8,081iApproximate average salary by contribution assumption: employee only about $202,020 at 4% or $134,680 at 6%; with 50% employer match about $134,680 at 4% or $89,787 at 6%; with 100% employer match about $101,010 at 4% or $67,340 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-81$3,507,568$265,896$3,283iApproximate average salary by contribution assumption: employee only about $82,067 at 4% or $54,711 at 6%; with 50% employer match about $54,711 at 4% or $36,474 at 6%; with 100% employer match about $41,033 at 4% or $27,356 at 6%.
20152100$14,481,283$1,061,679$10,617iApproximate average salary by contribution assumption: employee only about $265,420 at 4% or $176,947 at 6%; with 50% employer match about $176,947 at 4% or $117,964 at 6%; with 100% employer match about $132,710 at 4% or $88,473 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-100$10,972,611$800,000$8,000iApproximate average salary by contribution assumption: employee only about $200,000 at 4% or $133,333 at 6%; with 50% employer match about $133,333 at 4% or $88,889 at 6%; with 100% employer match about $100,000 at 4% or $66,667 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-76$3,508,672$261,679$3,443iApproximate average salary by contribution assumption: employee only about $86,079 at 4% or $57,386 at 6%; with 50% employer match about $57,386 at 4% or $38,257 at 6%; with 100% employer match about $43,039 at 4% or $28,693 at 6%.
2014292$14,024,588$1,022,951$11,119iApproximate average salary by contribution assumption: employee only about $277,976 at 4% or $185,317 at 6%; with 50% employer match about $185,317 at 4% or $123,545 at 6%; with 100% employer match about $138,988 at 4% or $92,659 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-92$10,728,864$800,000$8,696iApproximate average salary by contribution assumption: employee only about $217,391 at 4% or $144,928 at 6%; with 50% employer match about $144,928 at 4% or $96,618 at 6%; with 100% employer match about $108,696 at 4% or $72,464 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-70$3,295,724$222,951$3,185iApproximate average salary by contribution assumption: employee only about $79,625 at 4% or $53,084 at 6%; with 50% employer match about $53,084 at 4% or $35,389 at 6%; with 100% employer match about $39,813 at 4% or $26,542 at 6%.
2013295$13,167,728$1,038,211$10,929iApproximate average salary by contribution assumption: employee only about $273,213 at 4% or $182,142 at 6%; with 50% employer match about $182,142 at 4% or $121,428 at 6%; with 100% employer match about $136,607 at 4% or $91,071 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-95$9,982,310$800,000$8,421iApproximate average salary by contribution assumption: employee only about $210,526 at 4% or $140,351 at 6%; with 50% employer match about $140,351 at 4% or $93,567 at 6%; with 100% employer match about $105,263 at 4% or $70,175 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-71$3,185,418$238,211$3,355iApproximate average salary by contribution assumption: employee only about $83,877 at 4% or $55,918 at 6%; with 50% employer match about $55,918 at 4% or $37,279 at 6%; with 100% employer match about $41,939 at 4% or $27,959 at 6%.
20122101$11,072,502$1,008,556$9,986iApproximate average salary by contribution assumption: employee only about $249,643 at 4% or $166,428 at 6%; with 50% employer match about $166,428 at 4% or $110,952 at 6%; with 100% employer match about $124,821 at 4% or $83,214 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-101$8,540,779$800,000$7,921iApproximate average salary by contribution assumption: employee only about $198,020 at 4% or $132,013 at 6%; with 50% employer match about $132,013 at 4% or $88,009 at 6%; with 100% employer match about $99,010 at 4% or $66,007 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-66$2,531,723$208,556$3,160iApproximate average salary by contribution assumption: employee only about $78,998 at 4% or $52,666 at 6%; with 50% employer match about $52,666 at 4% or $35,110 at 6%; with 100% employer match about $39,499 at 4% or $26,333 at 6%.
2011296$9,635,244$841,484$8,765iApproximate average salary by contribution assumption: employee only about $219,136 at 4% or $146,091 at 6%; with 50% employer match about $146,091 at 4% or $97,394 at 6%; with 100% employer match about $109,568 at 4% or $73,045 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-96$7,499,160$600,000$6,250iApproximate average salary by contribution assumption: employee only about $156,250 at 4% or $104,167 at 6%; with 50% employer match about $104,167 at 4% or $69,444 at 6%; with 100% employer match about $78,125 at 4% or $52,083 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-67$2,136,084$241,484$3,604iApproximate average salary by contribution assumption: employee only about $90,106 at 4% or $60,071 at 6%; with 50% employer match about $60,071 at 4% or $40,047 at 6%; with 100% employer match about $45,053 at 4% or $30,035 at 6%.
2010289$9,262,914$795,126$8,934iApproximate average salary by contribution assumption: employee only about $223,350 at 4% or $148,900 at 6%; with 50% employer match about $148,900 at 4% or $99,267 at 6%; with 100% employer match about $111,675 at 4% or $74,450 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-89$7,156,251$600,000$6,742iApproximate average salary by contribution assumption: employee only about $168,539 at 4% or $112,360 at 6%; with 50% employer match about $112,360 at 4% or $74,906 at 6%; with 100% employer match about $84,270 at 4% or $56,180 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-66$2,106,663$195,126$2,956iApproximate average salary by contribution assumption: employee only about $73,911 at 4% or $49,274 at 6%; with 50% employer match about $49,274 at 4% or $32,849 at 6%; with 100% employer match about $36,956 at 4% or $24,637 at 6%.
2009272$8,047,681$940,758$13,066iApproximate average salary by contribution assumption: employee only about $326,652 at 4% or $217,768 at 6%; with 50% employer match about $217,768 at 4% or $145,179 at 6%; with 100% employer match about $163,326 at 4% or $108,884 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-0$6,311,593$750,000-
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-72$1,736,088$190,758$2,649iApproximate average salary by contribution assumption: employee only about $66,235 at 4% or $44,157 at 6%; with 50% employer match about $44,157 at 4% or $29,438 at 6%; with 100% employer match about $33,118 at 4% or $22,078 at 6%.
2008260$6,565,396$483,008$8,050iApproximate average salary by contribution assumption: employee only about $201,253 at 4% or $134,169 at 6%; with 50% employer match about $134,169 at 4% or $89,446 at 6%; with 100% employer match about $100,627 at 4% or $67,084 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-49$5,264,154$250,000$5,102iApproximate average salary by contribution assumption: employee only about $127,551 at 4% or $85,034 at 6%; with 50% employer match about $85,034 at 4% or $56,689 at 6%; with 100% employer match about $63,776 at 4% or $42,517 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-60$1,301,242$233,008$3,883iApproximate average salary by contribution assumption: employee only about $97,087 at 4% or $64,724 at 6%; with 50% employer match about $64,724 at 4% or $43,150 at 6%; with 100% employer match about $48,543 at 4% or $32,362 at 6%.
2007254$0$0-
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-54---
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-40---
2006254$7,478,746$512,241$9,486iApproximate average salary by contribution assumption: employee only about $237,149 at 4% or $158,099 at 6%; with 50% employer match about $158,099 at 4% or $105,399 at 6%; with 100% employer match about $118,574 at 4% or $79,050 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-37$6,373,880$290,151$7,842iApproximate average salary by contribution assumption: employee only about $196,048 at 4% or $130,699 at 6%; with 50% employer match about $130,699 at 4% or $87,132 at 6%; with 100% employer match about $98,024 at 4% or $65,349 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-54$1,104,866$222,090$4,113iApproximate average salary by contribution assumption: employee only about $102,819 at 4% or $68,546 at 6%; with 50% employer match about $68,546 at 4% or $45,698 at 6%; with 100% employer match about $51,410 at 4% or $34,273 at 6%.
2005350$12,532,434$162,049$3,241iApproximate average salary by contribution assumption: employee only about $81,025 at 4% or $54,016 at 6%; with 50% employer match about $54,016 at 4% or $36,011 at 6%; with 100% employer match about $40,512 at 4% or $27,008 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-44$5,723,305--
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-44$5,723,305--
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-50$1,085,824$162,049$3,241iApproximate average salary by contribution assumption: employee only about $81,025 at 4% or $54,016 at 6%; with 50% employer match about $54,016 at 4% or $36,011 at 6%; with 100% employer match about $40,512 at 4% or $27,008 at 6%.
2004247$6,628,766$521,779$11,102iApproximate average salary by contribution assumption: employee only about $277,542 at 4% or $185,028 at 6%; with 50% employer match about $185,028 at 4% or $123,352 at 6%; with 100% employer match about $138,771 at 4% or $92,514 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-43$5,639,583$370,440$8,615iApproximate average salary by contribution assumption: employee only about $215,372 at 4% or $143,581 at 6%; with 50% employer match about $143,581 at 4% or $95,721 at 6%; with 100% employer match about $107,686 at 4% or $71,791 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-47$989,183$151,339$3,220iApproximate average salary by contribution assumption: employee only about $80,499 at 4% or $53,666 at 6%; with 50% employer match about $53,666 at 4% or $35,778 at 6%; with 100% employer match about $40,250 at 4% or $26,833 at 6%.
2003245$5,737,245$956,774$21,262iApproximate average salary by contribution assumption: employee only about $531,541 at 4% or $354,361 at 6%; with 50% employer match about $354,361 at 4% or $236,240 at 6%; with 100% employer match about $265,771 at 4% or $177,180 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-45$4,963,841$816,336$18,141iApproximate average salary by contribution assumption: employee only about $453,520 at 4% or $302,347 at 6%; with 50% employer match about $302,347 at 4% or $201,564 at 6%; with 100% employer match about $226,760 at 4% or $151,173 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-45$773,404$140,438$3,121iApproximate average salary by contribution assumption: employee only about $78,021 at 4% or $52,014 at 6%; with 50% employer match about $52,014 at 4% or $34,676 at 6%; with 100% employer match about $39,011 at 4% or $26,007 at 6%.
2002240$4,197,035$1,125,719$28,143iApproximate average salary by contribution assumption: employee only about $703,574 at 4% or $469,050 at 6%; with 50% employer match about $469,050 at 4% or $312,700 at 6%; with 100% employer match about $351,787 at 4% or $234,525 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-38$3,580,857$974,530$25,646iApproximate average salary by contribution assumption: employee only about $641,138 at 4% or $427,425 at 6%; with 50% employer match about $427,425 at 4% or $284,950 at 6%; with 100% employer match about $320,569 at 4% or $213,713 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-40$616,178$151,189$3,780iApproximate average salary by contribution assumption: employee only about $94,493 at 4% or $62,995 at 6%; with 50% employer match about $62,995 at 4% or $41,997 at 6%; with 100% employer match about $47,247 at 4% or $31,498 at 6%.
2001246$0$0-
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-46---
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-41---
2000245$3,855,806$322,741$7,172iApproximate average salary by contribution assumption: employee only about $179,301 at 4% or $119,534 at 6%; with 50% employer match about $119,534 at 4% or $79,689 at 6%; with 100% employer match about $89,650 at 4% or $59,767 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-45$3,320,753$181,170$4,026iApproximate average salary by contribution assumption: employee only about $100,650 at 4% or $67,100 at 6%; with 50% employer match about $67,100 at 4% or $44,733 at 6%; with 100% employer match about $50,325 at 4% or $33,550 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-41$535,053$141,571$3,453iApproximate average salary by contribution assumption: employee only about $86,324 at 4% or $57,549 at 6%; with 50% employer match about $57,549 at 4% or $38,366 at 6%; with 100% employer match about $43,162 at 4% or $28,775 at 6%.
1999245$3,475,936$309,053$6,868iApproximate average salary by contribution assumption: employee only about $171,696 at 4% or $114,464 at 6%; with 50% employer match about $114,464 at 4% or $76,309 at 6%; with 100% employer match about $85,848 at 4% or $57,232 at 6%.
Ret. Plan of Century Federal Savings and Loan Association of Bridgeton in Rsi Ret. Trust-45$3,063,699$181,494$4,033iApproximate average salary by contribution assumption: employee only about $100,830 at 4% or $67,220 at 6%; with 50% employer match about $67,220 at 4% or $44,813 at 6%; with 100% employer match about $50,415 at 4% or $33,610 at 6%.
Century Savings Bank 401K Savings Plan in Rsi Retirement Trust-45$412,237$127,559$2,835iApproximate average salary by contribution assumption: employee only about $70,866 at 4% or $47,244 at 6%; with 50% employer match about $47,244 at 4% or $31,496 at 6%; with 100% employer match about $35,433 at 4% or $23,622 at 6%.