Charter West Bank Mortgage Rates, Fees & Info

West Point, NE

LEI: 549300GG5XNEIGHQTG04

Tax ID: 47-0679592

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Mortgage Data

Bank Data

Review & Overview

Charter West Bank is a smaller bank specializing in Home Purchase and Refi loans. Charter West Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Omaha, Lincoln, Columbus, Grand Island, and Hastings among others. We have data for 49 markets. (Some data included below & more in-depth data is available with an active subscription.)

Charter West Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Charter West Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.49% 3/28/24
30 Year Conventional Refi 6.40% 3/28/24
30 Year Cash-out Refi 6.65% 3/28/24
30 Year FHA Purchase 7.13% 3/28/24
30 Year FHA Refi 7.27% 3/28/24
30 Year VA Purchase 5.99% 3/28/24
30 Year VA Refi 5.98% 3/28/24
30 Year USDA Purchase 6.70% 3/28/24
15 Year Conventional Purchase 5.87% 3/28/24
15 Year Conventional Refi 6.12% 3/28/24
15 Year Cash-out Refi 6.12% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Charter West Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Charter West Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

3,082

Origination Dollar Volume (All Markets)

$649,930,000

Employee count

141 Show all (16) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1,640 $379,080,000 $231,146 $3,352 3.01%
LINCOLN, NE (FHA|USDA|VA) 437 $94,045,000 $215,206 $2,734 2.83%
Outside of Metro Areas 352 $51,990,000 $147,699 $3,223 2.99%
Columbus, NE (FHA|USDA|VA) 139 $27,025,000 $194,424 $3,640 2.86%
GRAND ISLAND, NE (FHA|USDA|VA) 152 $26,810,000 $176,382 $3,994 2.95%
Hastings, NE (FHA|USDA|VA) 126 $19,790,000 $157,063 $3,221 2.87%
Norfolk, NE (FHA|USDA|VA) 38 $6,780,000 $178,421 $3,764 3.01%
Kearney, NE (FHA|USDA|VA) 28 $5,580,000 $199,286 $2,492 2.94%
Lexington, NE (FHA|USDA|VA) 36 $5,430,000 $150,833 $2,971 3.00%
Fremont, NE (FHA|USDA|VA) 27 $4,305,000 $159,444 $3,427 3.20%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $3,720,000 $310,000 $2,975 2.91%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $3,645,000 $520,714 $3,897 3.29%
Beatrice, NE (FHA|USDA|VA) 20 $3,210,000 $160,500 $3,238 2.81%
North Platte, NE (FHA|USDA|VA) 10 $2,000,000 $200,000 $5,017 2.93%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,490,000 $372,500 $2,700 3.25%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,405,000 $468,333 $2,529 2.67%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 9 $1,235,000 $137,222 $2,394 3.24%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,110,000 $555,000 $12,262 2.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $720,000 $360,000 $5,385 3.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $705,000 $235,000 $2,293 3.08%
RICHMOND, VA (FHA|USDA|VA) 3 $695,000 $231,667 $2,286 3.21%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $545,000 $545,000 $2,494 2.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $545,000 $545,000 $5,467 2.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $545,000 $545,000 $4,075 3.25%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $510,000 $255,000 $2,439 3.25%
TUCSON, AZ (FHA|USDA|VA) 2 $500,000 $250,000 $2,245 2.63%
MANKATO, MN (FHA|USDA|VA) 3 $485,000 $161,667 $3,394 3.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $425,000 $425,000 $3,287 2.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $415,000 $415,000 $2,905 2.88%
Show Low, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $3,507 3.25%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $395,000 $395,000 $2,622 2.25%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $365,000 $365,000 $2,396 2.38%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $355,000 $355,000 $2,907 3.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $355,000 $355,000 $4,194 3.25%
FORT WAYNE, IN (FHA|USDA|VA) 1 $345,000 $345,000 $1,657 2.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $335,000 $335,000 $2,060 2.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $305,000 $305,000 $2,838 3.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $295,000 $295,000 $9,112 2.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $255,000 $255,000 $5,541 4.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $235,000 $235,000 $1,880 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,451 2.25%
Yankton, SD (FHA|USDA|VA) 1 $205,000 $205,000 $2,343 3.13%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $185,000 $185,000 $1,769 2.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,304 3.25%
Fergus Falls, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,704 3.13%
Maryville, MO (FHA|USDA|VA) 1 $165,000 $165,000 $1,907 3.13%
AMES, IA (FHA|USDA|VA) 1 $165,000 $165,000 $2,535 4.25%
Scottsbluff, NE (FHA|USDA|VA) 1 $145,000 $145,000 $2,571 2.25%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $115,000 $115,000 $1,996 2.88%
Charter West Bank's top markets include Omaha, Lincoln, Columbus, Grand Island, and Hastings among others.

Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,228 $476,800,000 $214,004 $2,472 3.04%
    FHA 469 $89,145,000 $190,075 $5,882 2.90%
    VA 225 $60,115,000 $267,178 $4,928 2.54%
    USDA 160 $23,870,000 $149,188 $4,126 2.75%

    For 2021, Charter West Bank's most frequently originated type of loan was Conventional, with 2,228 originations. Their 2nd most popular type was FHA, with 469 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,900 $403,640,000 $212,442 $3,747 3.01%
    Refi 746 $160,150,000 $214,678 $2,373 2.80%
    Cash Out Refi 429 $84,995,000 $198,124 $2,835 3.05%
    Home Improvement 7 $1,145,000 $163,571 $0 4.29%

    For 2021, Charter West Bank's most frequently cited loan purpose was Home Purchase, with 1,900 originations. The 2nd most popular reason was Refi, with 746 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,547 $546,875,000 $214,713 $3,462 2.97%
    15 Year 320 $55,650,000 $173,906 $2,247 2.57%
    20 Year 155 $32,235,000 $207,968 $2,220 3.55%
    Other 38 $7,340,000 $193,158 $2,222 3.59%
    10 Year 15 $3,055,000 $203,667 $2,033 2.42%
    1 Year 6 $770,000 $128,333 $1,163 4.38%
    30+ year 1 $4,005,000 $4,005,000 $0 4.00%

    For 2021, Charter West Bank's most frequently cited loan duration was 30 Year, with 2,547 originations. The 2nd most popular length was 15 Year, with 320 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,217 $477,645,000 $215,447
    $1k-2k 670 $124,300,000 $185,522
    $2k-3k 52 $14,010,000 $269,423
    $3k-4k 22 $4,950,000 $225,000
    $4k-5k 12 $3,420,000 $285,000
    $5k+ 7 $2,825,000 $403,571

    Charter West Bank's average total fees were $3,462, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,217 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,452 $311,360,000 $214,435
    3-4% 932 $186,310,000 $199,903
    <2.5% 554 $128,550,000 $232,040
    4-5% 143 $23,455,000 $164,021
    5-6% 1 $255,000 $255,000

    During 2021, Charter West Bank's average interest rate for loans was 2.97%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,452 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,371 $208,435,000 $152,031 $3,071 2.99%
    $200k-400k 1,255 $334,445,000 $266,490 $3,598 2.90%
    $100,000 or less 291 $22,885,000 $78,643 $2,519 3.22%
    $400k-600k 155 $73,075,000 $471,452 $3,876 2.82%
    $600k-1MM 7 $4,725,000 $675,000 $3,663 3.48%
    $1MM+ 3 $6,365,000 $2,121,667 $0 4.00%

    2021 saw Charter West Bank place emphasis on $100k-200k loans with 1,371 originations, totaling $208,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 822 $149,740,000 $182,165 $3,472 2.94%
    $50k or less 719 $106,095,000 $147,559 $3,348 2.91%
    $100k-150k 567 $144,145,000 $254,224 $3,081 2.95%
    $75k-100k 545 $119,645,000 $219,532 $3,286 2.96%
    $150k-250k 273 $84,675,000 $310,165 $3,003 2.91%
    $250k+ 65 $22,475,000 $345,769 $3,138 2.99%

    Charter West Bank lent most frequently to those with incomes in the $50k-75k range, with 822 originations. The second most popular income band? $50k or less, with 719 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 674 $140,950,000 $209,125 $2,797 2.89%
    30-36% 541 $112,425,000 $207,810 $3,053 2.91%
    <20% 212 $45,260,000 $213,491 $2,574 2.77%
    44% 147 $29,885,000 $203,299 $3,570 3.00%
    41% 137 $28,215,000 $205,949 $3,372 2.96%
    40% 128 $25,940,000 $202,656 $3,442 2.95%
    43% 120 $23,800,000 $198,333 $3,520 3.01%
    42% 118 $25,270,000 $214,153 $3,923 2.98%
    38% 113 $22,065,000 $195,265 $3,397 2.97%
    39% 106 $23,100,000 $217,925 $3,430 2.93%
    50-60% 105 $23,965,000 $228,238 $5,640 2.85%
    37% 105 $22,995,000 $219,000 $3,318 3.02%
    36% 104 $22,050,000 $212,019 $3,191 2.97%
    45% 83 $18,535,000 $223,313 $3,234 2.95%
    46% 74 $16,730,000 $226,081 $4,281 2.91%
    47% 73 $15,165,000 $207,740 $3,471 2.98%
    48% 68 $14,880,000 $218,824 $3,807 2.88%
    49% 66 $14,490,000 $219,545 $3,772 3.04%
    >60% 5 $1,195,000 $239,000 $4,223 3.00%

    Charter West Bank lent most frequently to those with DTI ratios of 20-30%, with 674 originations. The next most common DTI ratio? 30-36%, with 541 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,518 $524,530,000 $208,312 $3,205 2.93%
    Not provided 365 $77,015,000 $211,000 $3,645 2.94%
    Not applicable 72 $18,250,000 $253,472 $0 4.25%
    Black 66 $15,930,000 $241,364 $4,235 3.09%
    Asian 35 $8,565,000 $244,714 $2,958 3.03%
    American Indian 16 $3,590,000 $224,375 $4,602 2.84%
    Other Asian 5 $1,155,000 $231,000 $2,404 3.43%
    Native Hawaiian or Islander 3 $445,000 $148,333 $2,679 3.46%
    Asian Indian 1 $255,000 $255,000 $2,446 2.50%
    Other Pacific Islander 1 $195,000 $195,000 $3,816 2.88%

    Approval Rates

    Total approvals of all applications
    95.37%

    Charter West Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    83.42%

    Charter West Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,082 $649,930,000 $210,879

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,082 $649,930,000 $210,879

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 76 $12,040,000 $158,421 $2,269 2.88%
    40-60% 274 $51,750,000 $188,869 $2,223 2.86%
    60-80% 1,014 $223,470,000 $220,385 $2,511 3.05%
    80-100% 1,677 $352,305,000 $210,081 $3,785 2.95%
    Over 100% 35 $10,005,000 $285,857 $10,727 2.53%
    Under 20% 6 $360,000 $60,000 $1,736 3.31%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Charter West Bank 141 E Grove St West Point, NE 68788 Limited, Administrative $0
    Charter West Bank 20041 Manderson St Elkhorn, NE 68022 Full Service B&M $36,125
    Charter West Bank 201 South Main Street West Point, NE 68788 Full Service B&M $146,865
    Charter West Bank 308 Main Street Walthill, NE 68067 Full Service B&M $132,161
    Charter West Bank 610 4th Street Pender, NE 68047 Full Service B&M $24,760
    Charter West Bank 7404 Olson Dr Papillion, NE 68046 Full Service B&M $9,532

    For 2021, Charter West Bank had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,789
    Net interest income $11,279
    Total noninterest income $23,914
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $363
    Trading account gains and fees $0
    Additional Noninterest Income $23,551
    Pre-tax net operating income $9,094
    Securities gains (or losses, -) $0
    Income before extraordinary items $8,936
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,936
    Minority interest net income $0
    Net income $8,936
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,936

    Charter West Bank's gross interest income from loans was $12,789,000.
    Charter West Bank's net interest income from loans was $11,279,000.
    Charter West Bank's fee based income from loans was $363,000.
    Charter West Bank's net income from loans was $8,936,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,510
    Provision for credit losses $287
    Total noninterest expense $25,812
    Salaries and employee benefits $19,672
    Premises and equipment expense $2,477
    Additional noninterest expense $3,663
    Applicable income taxes $158
    Net charge-offs $20
    Cash dividends $5,200

    Charter West Bank's interest expense for loans was $1,510,000.
    Charter West Bank's payroll and benefits expense were $19,672,000.
    Charter West Bank's property, plant and equipment expenses $2,477,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $355,405
    Deposits held in domestic offices $355,405
    Deposits by Individuals, partnerships, and corporations $232,187
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $107,707
    Deposits by Commercial banks and other depository institutions in U.S. $15,511
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $209,707
    Demand deposits $66,484
    Nontransaction accounts $145,698
    Money market deposit accounts (MMDAs) $14,990
    Other savings deposits (excluding MMDAs) $36,947
    Total time deposits $93,761
    Total time and savings deposits $288,921
    Noninterest-bearing deposits $68,237
    Interest-bearing deposits $287,167
    Retail deposits $328,774
    IRAs and Keogh plan accounts $8,455
    Brokered deposits $14,767
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $405,261
    Cash & Balances due from depository institutions $65,112
    Interest-bearing balances $56,957
    Total securities $37,586
    Federal funds sold & reverse repurchase $0
    Net loans and leases $278,080
    Loan and leases loss allowance $3,321
    Trading account assets $0
    Bank premises and fixed assets $9,979
    Other real estate owned $0
    Goodwill and other intangibles $616
    All other assets $13,888

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $405,261
    Total Liabilities $365,356
    Total deposits $355,405
    Interest-bearing deposits $287,167
    Deposits held in domestic offices $355,405
    % insured (estimated) $58
    Federal funds purchased and repurchase agreements $1,351
    Trading liabilities $0
    Other borrowed funds $4,000
    Subordinated debt $0
    All other liabilities $4,600

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $278,080
    Loan and leases loss allowance $3,321
    Total loans and leases (domestic) $281,401
    All real estate loans $167,466
    Real estate loans in domestic offices $167,466
    Construction and development loans $13,814
    Residential 1-4 family construction $6,689
    Other construction, all land development and other land $7,125
    Loans secured by nonfarm nonresidential properties $48,794
    Nonfarm nonresidential secured by owner-occupied properties $34,855
    Commercial real estate & other non-farm, non-residential $13,939
    Multifamily residential real estate $4,886
    1-4 family residential loans $68,918
    Farmland loans $31,054
    Loans held in foreign offices $0
    Farm loans $59,116
    Commercial and industrial loans $42,977
    To non-U.S. addressees $0
    Loans to individuals $7,776
    Credit card loans $0
    Related Plans $29
    Consumer Auto Loans $6,172
    Other loans to individuals $1,575
    All other loans & leases $4,066
    Loans to foreign governments and official institutions $0
    Other loans $404
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3
    Non 1-4 family restructured loans & leases $3
    Total loans and leases (foreign) $0

    CHARTER WEST BANK had $278,080,000 of loans outstanding in 2021. $167,466,000 of loans were in real estate loans. $13,814,000 of loans were in development loans. $4,886,000 of loans were in multifamily mortgage loans. $68,918,000 of loans were in 1-4 family mortgage loans. $59,116,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,172,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 123 $31,517 $256,236
    Nonfarm, nonresidential loans - <$100k 24 $942 $39,250
    Nonfarm, nonresidential loans - $100-250k 40 $5,453 $136,325
    Nonfarm, nonresidential loans - $250k-1MM 59 $25,122 $425,797
    Commercial & Industrial, US addressed loans - <$1MM 511 $31,085 $60,832
    Commercial & Industrial, US addressed loans - <$100k 395 $9,518 $24,096
    Commercial & Industrial, US addressed loans - $100-250k 72 $7,583 $105,319
    Commercial & Industrial, US addressed loans - $250k-1MM 44 $13,984 $317,818
    Farmland loans - <$1MM 82 $12,768 $155,707
    Farmland loans - <$100k 23 $820 $35,652
    Farmland loans - $100-250k 30 $3,738 $124,600
    Farmland loans - $250k-1MM 29 $8,210 $283,103
    Agriculture operations loans - <$1MM 483 $28,760 $59,545
    Agriculture operations loans - <$100k 343 $8,150 $23,761
    Agriculture operations loans - $100-250k 86 $9,006 $104,721
    Agriculture operations loans - $250k-1MM 54 $11,604 $214,889