the difference from 40000 to the future value in 2020, namely 5 years later is simply the yield or interest amount.
[tex]\bf ~~~~~~ \textit{Simple Interest Earned} \\\\ I = Prt\qquad \begin{cases} I=\textit{interest earned}\\ P=\textit{original amount deposited}\dotfill & \$40000\\ r=rate\to 11\%\to \frac{11}{100}\dotfill &0.11\\ t=years\dotfill &5 \end{cases} \\\\\\ I=(40000)(0.11)(5)\implies I=22000[/tex]
