Please walk through step by step. I don't understand, especially how future value was calculated

John bought a bond a 6% coupon bond for $920 (semiannual coupons). After three years, John sold the bond for $825. Assuming that the coupon payments were reinvested at a 9% rate of return, what was John's total return for owning this bond? Answer: 0.102 Future value of bond cash flows at end of year 3 is 1026.51 (assuming coupons are reinvested at 9%). Since the value of bond at t=0 is $920, that implies a semiannual return of 1.84%, or an APR of 3.69%. The correct answer is: 3.69