-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, GRF/XDxWubP/3b4j6SFVccx0MQAjED/tpS9blWhrHXLG/iqPgSv+xpwUxvq3SukE g8/aFJYQokVuMeDy6IgGvA== 0001056404-04-004138.txt : 20041202 0001056404-04-004138.hdr.sgml : 20041202 20041202113600 ACCESSION NUMBER: 0001056404-04-004138 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20041126 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20041202 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2004-10 CENTRAL INDEX KEY: 0001307079 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-118843-02 FILM NUMBER: 041179469 BUSINESS ADDRESS: STREET 1: 201 NORTH TRYON ST CITY: CHARLOTTE STATE: NC ZIP: 28255 BUSINESS PHONE: 7043884503 MAIL ADDRESS: STREET 1: 201 NORTH TRYON STREET CITY: CHARLOTTE STATE: NC ZIP: 3884503 8-K 1 baa04010_nov.txt NOVEMBER 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 26, 2004 BANC OF AMERICA ALTERNATIVE LOAN TRUST Mortgage Pass-Through Certificates, Series 2004-10 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-118843-02 54-2162551 Pooling and Servicing Agreement) (Commission 54-2162552 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On November 26, 2004 a distribution was made to holders of BANC OF AMERICA ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2004-10 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-10 Trust, relating to the November 26, 2004 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. BANC OF AMERICA ALTERNATIVE LOAN TRUST Mortgage Pass-Through Certificates, Series 2004-10 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 11/28/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-10 Trust, relating to the November 26, 2004 distribution. EX-99.1
Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Record Date: 10/31/04 Distribution Date: 11/26/04 BAA Series: 2004-10 Contact: Customer Service - SecuritiesLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 846-8130 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-CB-1 05948KVS5 SEN 6.00000% 115,717,000.00 578,585.00 1,070,930.53 1-CB-R 05948KVT3 SEN 6.00000% 50.00 0.70 50.00 1-CB-LR 05948KVU0 SEN 6.00000% 50.00 0.25 50.00 2-CB-1 05948KVV8 SEN 6.00000% 98,634,000.00 493,170.00 1,524,069.62 CB-IO 05948KVW6 SEN 6.00000% 0.00 23,961.37 0.00 3-A-1 05948KVX4 SEN 5.50000% 52,986,000.00 242,852.50 216,786.90 15-IO 05948KVY2 SEN 5.50000% 0.00 4,421.03 0.00 X-PO 05948KVZ9 PO 0.00000% 2,761,992.00 0.00 37,132.89 15-PO 05948KWA3 PO 0.00000% 893,571.00 0.00 3,430.91 15-B-1 05948KWG0 SUB 5.00000% 1,166,000.00 4,858.33 4,114.87 15-B-2 05948KWH8 SUB 5.00000% 112,000.00 466.67 395.25 15-B-3 05948KWJ4 SUB 5.00000% 166,000.00 691.67 585.82 15-B-4 05948KWN5 SUB 5.50000% 84,000.00 385.00 296.44 15-B-5 05948KWP0 SUB 5.50000% 83,000.00 380.42 292.91 15-B-6 05948KWQ8 SUB 5.50000% 56,072.00 257.00 197.88 30-B-1 05948KWD7 SUB 5.50000% 4,895,000.00 22,435.42 4,623.19 30-B-2 05948KWE5 SUB 5.50000% 1,936,000.00 8,873.33 1,828.50 30-B-3 05948KWF2 SUB 5.50000% 1,138,000.00 5,215.83 1,074.81 30-B-4 05948KWK1 SUB 6.00000% 1,025,000.00 5,125.00 968.08 30-B-5 05948KWL9 SUB 6.00000% 683,000.00 3,415.00 645.07 30-B-6 05948KWM7 SUB 6.00000% 911,009.00 4,555.05 860.42 X-B-15 05948KWC9 SUB 0.50000% 0.00 601.62 0.00 X-B-30 05948KWB1 SUB 0.50000% 0.00 3,320.42 0.00 Totals 283,247,744.00 1,403,571.61 2,868,334.09
Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-CB-1 0.00 114,646,069.47 1,649,515.53 0.00 1-CB-R 0.00 0.00 50.70 0.00 1-CB-LR 0.00 0.00 50.25 0.00 2-CB-1 0.00 97,109,930.38 2,017,239.62 0.00 CB-IO 0.00 0.00 23,961.37 0.00 3-A-1 0.00 52,769,213.10 459,639.40 0.00 15-IO 0.00 0.00 4,421.03 0.00 X-PO 0.00 2,724,859.11 37,132.89 0.00 15-PO 0.00 890,140.09 3,430.91 0.00 15-B-1 0.00 1,161,885.13 8,973.20 0.00 15-B-2 0.00 111,604.75 861.92 0.00 15-B-3 0.00 165,414.18 1,277.49 0.00 15-B-4 0.00 83,703.56 681.44 0.00 15-B-5 0.00 82,707.09 673.33 0.00 15-B-6 0.00 55,874.12 454.88 0.00 30-B-1 0.00 4,890,376.81 27,058.61 0.00 30-B-2 0.00 1,934,171.50 10,701.83 0.00 30-B-3 0.00 1,136,925.19 6,290.64 0.00 30-B-4 0.00 1,024,031.92 6,093.08 0.00 30-B-5 0.00 682,354.93 4,060.07 0.00 30-B-6 0.00 910,148.58 5,415.47 0.00 X-B-15 0.00 0.00 601.62 0.00 X-B-30 0.00 0.00 3,320.42 0.00 Totals 0.00 280,379,409.91 4,271,905.70 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.
Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-CB-1 115,717,000.00 115,717,000.00 109,691.24 961,239.29 0.00 0.00 1-CB-R 50.00 50.00 5.12 44.88 0.00 0.00 1-CB-LR 50.00 50.00 5.12 44.88 0.00 0.00 2-CB-1 98,634,000.00 98,634,000.00 92,745.78 1,431,323.84 0.00 0.00 CB-IO 0.00 0.00 0.00 0.00 0.00 0.00 3-A-1 52,986,000.00 52,986,000.00 186,989.96 29,796.94 0.00 0.00 15-IO 0.00 0.00 0.00 0.00 0.00 0.00 X-PO 2,761,992.00 2,761,992.00 2,885.20 34,247.69 0.00 0.00 15-PO 893,571.00 893,571.00 3,259.34 171.57 0.00 0.00 15-B-1 1,166,000.00 1,166,000.00 4,114.87 0.00 0.00 0.00 15-B-2 112,000.00 112,000.00 395.25 0.00 0.00 0.00 15-B-3 166,000.00 166,000.00 585.82 0.00 0.00 0.00 15-B-4 84,000.00 84,000.00 296.44 0.00 0.00 0.00 15-B-5 83,000.00 83,000.00 292.91 0.00 0.00 0.00 15-B-6 56,072.00 56,072.00 197.88 0.00 0.00 0.00 30-B-1 4,895,000.00 4,895,000.00 4,623.19 0.00 0.00 0.00 30-B-2 1,936,000.00 1,936,000.00 1,828.50 0.00 0.00 0.00 30-B-3 1,138,000.00 1,138,000.00 1,074.81 0.00 0.00 0.00 30-B-4 1,025,000.00 1,025,000.00 968.08 0.00 0.00 0.00 30-B-5 683,000.00 683,000.00 645.07 0.00 0.00 0.00 30-B-6 911,009.00 911,009.00 860.42 0.00 0.00 0.00 X-B-15 0.00 0.00 0.00 0.00 0.00 0.00 X-B-30 0.00 0.00 0.00 0.00 0.00 0.00 Totals 283,247,744.00 283,247,744.00 411,465.00 2,456,869.09 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-CB-1 1,070,930.53 114,646,069.47 0.99074526 1,070,930.53 1-CB-R 50.00 0.00 0.00000000 50.00 1-CB-LR 50.00 0.00 0.00000000 50.00 2-CB-1 1,524,069.62 97,109,930.38 0.98454823 1,524,069.62 CB-IO 0.00 0.00 0.00000000 0.00 3-A-1 216,786.90 52,769,213.10 0.99590860 216,786.90 15-IO 0.00 0.00 0.00000000 0.00 X-PO 37,132.89 2,724,859.11 0.98655576 37,132.89 15-PO 3,430.91 890,140.09 0.99616045 3,430.91 15-B-1 4,114.87 1,161,885.13 0.99647095 4,114.87 15-B-2 395.25 111,604.75 0.99647098 395.25 15-B-3 585.82 165,414.18 0.99647096 585.82 15-B-4 296.44 83,703.56 0.99647095 296.44 15-B-5 292.91 82,707.09 0.99647096 292.91 15-B-6 197.88 55,874.12 0.99647097 197.88 30-B-1 4,623.19 4,890,376.81 0.99905553 4,623.19 30-B-2 1,828.50 1,934,171.50 0.99905553 1,828.50 30-B-3 1,074.81 1,136,925.19 0.99905553 1,074.81 30-B-4 968.08 1,024,031.92 0.99905553 968.08 30-B-5 645.07 682,354.93 0.99905553 645.07 30-B-6 860.42 910,148.58 0.99905553 860.42 X-B-15 0.00 0.00 0.00000000 0.00 X-B-30 0.00 0.00 0.00000000 0.00 Totals 2,868,334.09 280,379,409.91 0.98987341 2,868,334.09
Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-CB-1 115,717,000.00 1000.00000000 0.94792675 8.30681136 0.00000000 1-CB-R 50.00 1000.00000000 102.40000000 897.60000000 0.00000000 1-CB-LR 50.00 1000.00000000 102.40000000 897.60000000 0.00000000 2-CB-1 98,634,000.00 1000.00000000 0.94030233 14.51146501 0.00000000 CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 52,986,000.00 1000.00000000 3.52904465 0.56235496 0.00000000 15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 2,761,992.00 1000.00000000 1.04460838 12.39963403 0.00000000 15-PO 893,571.00 1000.00000000 3.64754452 0.19200489 0.00000000 15-B-1 1,166,000.00 1000.00000000 3.52904803 0.00000000 0.00000000 15-B-2 112,000.00 1000.00000000 3.52901786 0.00000000 0.00000000 15-B-3 166,000.00 1000.00000000 3.52903614 0.00000000 0.00000000 15-B-4 84,000.00 1000.00000000 3.52904762 0.00000000 0.00000000 15-B-5 83,000.00 1000.00000000 3.52903614 0.00000000 0.00000000 15-B-6 56,072.00 1000.00000000 3.52903410 0.00000000 0.00000000 30-B-1 4,895,000.00 1000.00000000 0.94447191 0.00000000 0.00000000 30-B-2 1,936,000.00 1000.00000000 0.94447314 0.00000000 0.00000000 30-B-3 1,138,000.00 1000.00000000 0.94447276 0.00000000 0.00000000 30-B-4 1,025,000.00 1000.00000000 0.94446829 0.00000000 0.00000000 30-B-5 683,000.00 1000.00000000 0.94446559 0.00000000 0.00000000 30-B-6 911,009.00 1000.00000000 0.94446926 0.00000000 0.00000000 X-B-15 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-B-30 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination.
Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-CB-1 0.00000000 9.25473811 990.74526189 0.99074526 9.25473811 1-CB-R 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 1-CB-LR 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 2-CB-1 0.00000000 15.45176734 984.54823266 0.98454823 15.45176734 CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 0.00000000 4.09139961 995.90860039 0.99590860 4.09139961 15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 0.00000000 13.44424242 986.55575758 0.98655576 13.44424242 15-PO 0.00000000 3.83954940 996.16045060 0.99616045 3.83954940 15-B-1 0.00000000 3.52904803 996.47095197 0.99647095 3.52904803 15-B-2 0.00000000 3.52901786 996.47098214 0.99647098 3.52901786 15-B-3 0.00000000 3.52903614 996.47096386 0.99647096 3.52903614 15-B-4 0.00000000 3.52904762 996.47095238 0.99647095 3.52904762 15-B-5 0.00000000 3.52903614 996.47096386 0.99647096 3.52903614 15-B-6 0.00000000 3.52903410 996.47096590 0.99647097 3.52903410 30-B-1 0.00000000 0.94447191 999.05552809 0.99905553 0.94447191 30-B-2 0.00000000 0.94447314 999.05552686 0.99905553 0.94447314 30-B-3 0.00000000 0.94447276 999.05552724 0.99905553 0.94447276 30-B-4 0.00000000 0.94446829 999.05553171 0.99905553 0.94446829 30-B-5 0.00000000 0.94446559 999.05553441 0.99905553 0.94446559 30-B-6 0.00000000 0.94446926 999.05553074 0.99905553 0.94446926 X-B-15 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-B-30 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall 1-CB-1 115,717,000.00 6.00000% 115,717,000.00 578,585.00 0.00 0.00 1-CB-R 50.00 6.00000% 50.00 0.25 0.00 0.00 1-CB-LR 50.00 6.00000% 50.00 0.25 0.00 0.00 2-CB-1 98,634,000.00 6.00000% 98,634,000.00 493,170.00 0.00 0.00 CB-IO 0.00 6.00000% 4,792,274.49 23,961.37 0.00 0.00 3-A-1 52,986,000.00 5.50000% 52,986,000.00 242,852.50 0.00 0.00 15-IO 0.00 5.50000% 964,587.68 4,421.03 0.00 0.00 X-PO 2,761,992.00 0.00000% 2,761,992.00 0.00 0.00 0.00 15-PO 893,571.00 0.00000% 893,571.00 0.00 0.00 0.00 15-B-1 1,166,000.00 5.00000% 1,166,000.00 4,858.33 0.00 0.00 15-B-2 112,000.00 5.00000% 112,000.00 466.67 0.00 0.00 15-B-3 166,000.00 5.00000% 166,000.00 691.67 0.00 0.00 15-B-4 84,000.00 5.50000% 84,000.00 385.00 0.00 0.00 15-B-5 83,000.00 5.50000% 83,000.00 380.42 0.00 0.00 15-B-6 56,072.00 5.50000% 56,072.00 257.00 0.00 0.00 30-B-1 4,895,000.00 5.50000% 4,895,000.00 22,435.42 0.00 0.00 30-B-2 1,936,000.00 5.50000% 1,936,000.00 8,873.33 0.00 0.00 30-B-3 1,138,000.00 5.50000% 1,138,000.00 5,215.83 0.00 0.00 30-B-4 1,025,000.00 6.00000% 1,025,000.00 5,125.00 0.00 0.00 30-B-5 683,000.00 6.00000% 683,000.00 3,415.00 0.00 0.00 30-B-6 911,009.00 6.00000% 911,009.00 4,555.05 0.00 0.00 X-B-15 0.00 0.50000% 1,444,000.00 601.67 0.00 0.04 X-B-30 0.00 0.50000% 7,969,000.00 3,320.42 0.00 0.00 Totals 283,247,744.00 1,403,571.21 0.00 0.04
Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-CB-1 0.00 0.00 578,585.00 0.00 114,646,069.47 1-CB-R 0.00 0.00 0.70 0.00 0.00 1-CB-LR 0.00 0.00 0.25 0.00 0.00 2-CB-1 0.00 0.00 493,170.00 0.00 97,109,930.38 CB-IO 0.00 0.00 23,961.37 0.00 4,712,243.85 3-A-1 0.00 0.00 242,852.50 0.00 52,769,213.10 15-IO 0.00 0.00 4,421.03 0.00 961,031.59 X-PO 0.00 0.00 0.00 0.00 2,724,859.11 15-PO 0.00 0.00 0.00 0.00 890,140.09 15-B-1 0.00 0.00 4,858.33 0.00 1,161,885.13 15-B-2 0.00 0.00 466.67 0.00 111,604.75 15-B-3 0.00 0.00 691.67 0.00 165,414.18 15-B-4 0.00 0.00 385.00 0.00 83,703.56 15-B-5 0.00 0.00 380.42 0.00 82,707.09 15-B-6 0.00 0.00 257.00 0.00 55,874.12 30-B-1 0.00 0.00 22,435.42 0.00 4,890,376.81 30-B-2 0.00 0.00 8,873.33 0.00 1,934,171.50 30-B-3 0.00 0.00 5,215.83 0.00 1,136,925.19 30-B-4 0.00 0.00 5,125.00 0.00 1,024,031.92 30-B-5 0.00 0.00 3,415.00 0.00 682,354.93 30-B-6 0.00 0.00 4,555.05 0.00 910,148.58 X-B-15 0.00 0.00 601.62 0.04 1,438,904.06 X-B-30 0.00 0.00 3,320.42 0.00 7,961,473.50 Totals 0.00 0.00 1,403,571.61 0.04 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall 1-CB-1 115,717,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 1-CB-R 50.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 1-CB-LR 50.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 2-CB-1 98,634,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 CB-IO 0.00 6.00000% 1000.00010225 5.00000000 0.00000000 0.00000000 3-A-1 52,986,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000 15-IO 0.00 5.50000% 1000.00070496 4.58333981 0.00000000 0.00000000 X-PO 2,761,992.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 15-PO 893,571.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 15-B-1 1,166,000.00 5.00000% 1000.00000000 4.16666381 0.00000000 0.00000000 15-B-2 112,000.00 5.00000% 1000.00000000 4.16669643 0.00000000 0.00000000 15-B-3 166,000.00 5.00000% 1000.00000000 4.16668675 0.00000000 0.00000000 15-B-4 84,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000 15-B-5 83,000.00 5.50000% 1000.00000000 4.58337349 0.00000000 0.00000000 15-B-6 56,072.00 5.50000% 1000.00000000 4.58339278 0.00000000 0.00000000 30-B-1 4,895,000.00 5.50000% 1000.00000000 4.58333401 0.00000000 0.00000000 30-B-2 1,936,000.00 5.50000% 1000.00000000 4.58333161 0.00000000 0.00000000 30-B-3 1,138,000.00 5.50000% 1000.00000000 4.58333040 0.00000000 0.00000000 30-B-4 1,025,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-5 683,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-6 911,009.00 6.00000% 1000.00000000 5.00000549 0.00000000 0.00000000 X-B-15 0.00 0.50000% 1000.00000000 0.41666898 0.00000000 0.00002770 X-B-30 0.00 0.50000% 1000.00000000 0.41666708 0.00000000 0.00000000 (5) All classes are per $1,000 denomination.
Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance 1-CB-1 0.00000000 0.00000000 5.00000000 0.00000000 990.74526189 1-CB-R 0.00000000 0.00000000 14.00000000 0.00000000 0.00000000 1-CB-LR 0.00000000 0.00000000 5.00000000 0.00000000 0.00000000 2-CB-1 0.00000000 0.00000000 5.00000000 0.00000000 984.54823266 CB-IO 0.00000000 0.00000000 5.00000000 0.00000000 983.30017232 3-A-1 0.00000000 0.00000000 4.58333333 0.00000000 995.90860039 15-IO 0.00000000 0.00000000 4.58333981 0.00000000 996.31405980 X-PO 0.00000000 0.00000000 0.00000000 0.00000000 986.55575758 15-PO 0.00000000 0.00000000 0.00000000 0.00000000 996.16045060 15-B-1 0.00000000 0.00000000 4.16666381 0.00000000 996.47095197 15-B-2 0.00000000 0.00000000 4.16669643 0.00000000 996.47098214 15-B-3 0.00000000 0.00000000 4.16668675 0.00000000 996.47096386 15-B-4 0.00000000 0.00000000 4.58333333 0.00000000 996.47095238 15-B-5 0.00000000 0.00000000 4.58337349 0.00000000 996.47096386 15-B-6 0.00000000 0.00000000 4.58339278 0.00000000 996.47096590 30-B-1 0.00000000 0.00000000 4.58333401 0.00000000 999.05552809 30-B-2 0.00000000 0.00000000 4.58333161 0.00000000 999.05552686 30-B-3 0.00000000 0.00000000 4.58333040 0.00000000 999.05552724 30-B-4 0.00000000 0.00000000 5.00000000 0.00000000 999.05553171 30-B-5 0.00000000 0.00000000 5.00000000 0.00000000 999.05553441 30-B-6 0.00000000 0.00000000 5.00000549 0.00000000 999.05553074 X-B-15 0.00000000 0.00000000 0.41663435 0.00002770 996.47095568 X-B-30 0.00000000 0.00000000 0.41666708 0.00000000 999.05552767 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Certificateholder Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage 1-IO 6.00000% 2,561,287.95 2,527,044.69 0.00 0.00 98.66304336% 2-IO 6.00000% 2,230,986.54 2,185,199.16 0.00 0.00 97.94768591% X-PO-1 0.00000% 0.00 0.00 1,648,915.00 1,624,551.27 98.52243869% X-PO-2 0.00000% 0.00 0.00 1,093,077.00 1,080,384.63 98.83884026% X-PO-3 0.00000% 0.00 0.00 20,000.00 19,923.21 99.61605000%
CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 4,332,630.32 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 763.76 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 4,333,394.08 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 61,488.38 Payment of Interest and Principal 4,271,905.70 Total Withdrawals (Pool Distribution Amount) 4,333,394.08 Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES Gross Servicing Fee 59,009.95 Trustee Fee: Wells Fargo Bank, N.A. 2,478.43 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 61,488.38
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 2 0 0 0 2 123,500.00 0.00 0.00 0.00 123,500.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 2 0 0 0 2 123,500.00 0.00 0.00 0.00 123,500.00 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.090703% 0.000000% 0.000000% 0.000000% 0.090703% 0.043999% 0.000000% 0.000000% 0.000000% 0.043999% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.090703% 0.000000% 0.000000% 0.000000% 0.090703% 0.043999% 0.000000% 0.000000% 0.000000% 0.043999%
Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 2 0 0 0 2 123,500.00 0.00 0.00 0.00 123,500.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 2 0 0 0 2 123,500.00 0.00 0.00 0.00 123,500.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.287770% 0.000000% 0.000000% 0.000000% 0.287770% 0.119766% 0.000000% 0.000000% 0.000000% 0.119766% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.287770% 0.000000% 0.000000% 0.000000% 0.287770% 0.119766% 0.000000% 0.000000% 0.000000% 0.119766% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 3 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 763.76
COLLATERAL STATEMENT Collateral Description Mixed Fixed Weighted Average Gross Coupon 6.206835% Weighted Average Pass-Through Rate 5.946335% Weighted Average Maturity(Stepdown Calculation ) 358 Beginning Scheduled Collateral Loan Count 2,218 Number Of Loans Paid In Full 13 Ending Scheduled Collateral Loan Count 2,205 Beginning Scheduled Collateral Balance 283,247,744.00 Ending Scheduled Collateral Balance 280,379,412.02 Ending Actual Collateral Balance at 31-Oct-2004 280,690,370.51 Monthly P &I Constant 1,876,525.00 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Non-PO Optimal Amount 4,117,744.56 Class AP Deferred Amount 0.00 Scheduled Principal 411,465.01 Unscheduled Principal 2,456,869.09
Group Level Collateral Statement Group 1 2 3 Collateral Description Fixed 15 & 30 Year Fixed 15 & 30 Year Fixed 15 & 30 Year Weighted Average Coupon Rate 6.304977 6.325778 5.765550 Weighted Average Net Rate 6.054977 6.075778 5.515551 Weighted Average Maturity 358 358 178 Beginning Loan Count 996 701 521 Loans Paid In Full 7 6 0 Ending Loan Count 989 695 521 Beginning Scheduled Balance 123,090,274.02 104,590,827.99 55,566,644.11 Ending scheduled Balance 121,989,453.08 103,049,492.60 55,340,466.34 Record Date 10/31/2004 10/31/2004 10/31/2004 Principal And Interest Constant 763,555.12 649,787.56 463,182.32 Scheduled Principal 116,820.70 98,438.89 196,205.42 Unscheduled Principal 984,000.24 1,442,896.50 29,972.35 Scheduled Interest 646,734.42 551,348.67 266,976.90 Servicing Fees 25,643.82 21,789.78 11,576.35 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,077.04 915.17 486.22 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 620,013.56 528,643.72 254,914.33 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.044477 6.065278 5.505050
Group Level Collateral Statement Group Total Collateral Description Mixed Fixed Weighted Average Coupon Rate 6.206835 Weighted Average Net Rate 5.956835 Weighted Average Maturity 358 Beginning Loan Count 2,218 Loans Paid In Full 13 Ending Loan Count 2,205 Beginning Scheduled Balance 283,247,746.12 Ending scheduled Balance 280,379,412.02 Record Date 10/31/2004 Principal And Interest Constant 1,876,525.00 Scheduled Principal 411,465.01 Unscheduled Principal 2,456,869.09 Scheduled Interest 1,465,059.99 Servicing Fees 59,009.95 Master Servicing Fees 0.00 Trustee Fee 2,478.43 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 0.00 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 1,403,571.61 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.0000 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 5.946335
Miscellaneous Reporting Group 1 CPR 9.190563% Subordinate % 4.713599% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.286401% Group 2 CPR 15.368043% Subordinate % 4.699379% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.300621% Group 3 CPR 0.647637% Subordinate % 3.050281% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 96.949719%
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