On January $1,20$X$4,$ Ann Stine loaned $$37,565$ to Joe Grant. A zero$-$interest$-$bearing note $($face amount, $$50,000)$ was exchanged solely for cash; no other rights or privileges were exchanged. The note is to be repaid on December $31,20$X$6.$ The prevailing rate of interest for a loan of this type is $10\%.$ The present value of $$50,000$ at $10\%$ for three years is $$37,565.$ What amount of interest income should Ms$.$ Stine recognize in $20$X$4?$