-----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, PAdrzaE5v3sUSHAmvYBJHeKRV0ZjIbjdwiJVZyxcuEkNbhVwhZ5I8B2edDs9letl xxvafeZV4VrDO+s5Ch7PSg== 0001056404-05-000002.txt : 20050103 0001056404-05-000002.hdr.sgml : 20041231 20050103074203 ACCESSION NUMBER: 0001056404-05-000002 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20041227 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20050103 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Banc of America Mortgage Securities Mortgage Pass-Through Certificates Series 2004-10 CENTRAL INDEX KEY: 0001309524 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: 333-118843-04 FILM NUMBER: 05500027 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 bam04010_dec.txt DECEMBER 8K 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): December 27, 2004 BANC OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2004-10 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-118843-04 54-2163725 Pooling and Servicing Agreement) (Commission 54-2163726 (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 December 27, 2004 a distribution was made to holders of BANC OF AMERICA MORTGAGE SECURITIES, INC., 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 December 27, 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 MORTGAGE SECURITIES, INC. 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: 12/29/2004 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 December 27, 2004 distribution. EX-99.1
Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Record Date: 11/30/2004 Distribution Date: 12/27/2004 Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Series 2004-10 Contact: CTSLink Customer Service Wells Fargo Bank, N.A. Corporate Trust Services 9062 Old Annapolis Road Columbia, MD 21045-1951 Telephone: (301) 815-6600 Fax: (301) 815-6600 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-A-1 05949AXX3 SEN 5.50000% 26,223,000.00 120,188.75 0.00 1-A-2 05949AXY1 SEN 5.50000% 14,098,000.00 64,615.83 0.00 1-A-3 05949AXZ8 SEN 5.50000% 31,684,000.00 145,218.33 0.00 1-A-4 05949AYA2 SEN 5.50000% 412,000.00 1,888.33 0.00 1-A-5 05949AYB0 SEN 5.25000% 6,248,000.00 27,335.00 0.00 1-A-6 05949AYC8 SEN 5.25000% 209,432,000.00 916,265.00 1,223,576.62 1-A-7 05949AYD6 SEN 2.49000% 26,179,000.00 54,321.43 152,947.08 1-A-8 05949AYE4 SEN 5.01000% 0.00 109,297.33 0.00 1-A-9 05949AYF1 SEN 5.50000% 0.00 1,301.67 0.00 1-A-R 05949AYG9 SEN 5.50000% 50.00 0.53 50.00 1-A-LR 05949AYH7 SEN 5.50000% 50.00 0.23 50.00 2-A-1 05949AYK0 SEN 5.00000% 64,208,000.00 267,533.33 258,107.07 X-PO 05949AYM6 PO 0.00000% 412,864.00 0.00 580.22 30-B-1 05949AYN4 SUB 5.50000% 5,845,000.00 26,789.58 5,907.19 30-B-2 05949AYP9 SUB 5.50000% 1,623,000.00 7,438.75 1,640.27 30-B-3 05949AYQ7 SUB 5.50000% 975,000.00 4,468.75 985.37 30-B-4 05949AYU8 SUB 5.50000% 649,000.00 2,974.58 655.91 30-B-5 05949AYV6 SUB 5.50000% 487,000.00 2,232.08 492.18 30-B-6 05949AYW4 SUB 5.50000% 487,604.00 2,234.85 492.79 15-B-1 05949AYR5 SUB 5.00000% 754,000.00 3,141.67 2,770.13 15-B-2 05949AYS3 SUB 5.00000% 197,000.00 820.83 723.76 15-B-3 05949AYT1 SUB 5.00000% 131,000.00 545.83 481.28 15-B-4 05949AYX2 SUB 5.00000% 66,000.00 275.00 242.48 15-B-5 05949AYY0 SUB 5.00000% 98,000.00 408.33 360.04 15-B-6 05949AYZ7 SUB 5.00000% 99,314.00 413.81 364.87 30-IO 05949AYJ3 IO 5.50000% 0.00 58,500.36 0.00 15-IO 05949AYL8 IO 5.00000% 0.00 12,878.46 0.00 Totals 390,308,882.00 1,831,088.64 1,650,427.26
Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 26,223,000.00 120,188.75 0.00 1-A-2 0.00 14,098,000.00 64,615.83 0.00 1-A-3 0.00 31,684,000.00 145,218.33 0.00 1-A-4 0.00 412,000.00 1,888.33 0.00 1-A-5 0.00 6,248,000.00 27,335.00 0.00 1-A-6 0.00 208,208,423.38 2,139,841.62 0.00 1-A-7 0.00 26,026,052.92 207,268.51 0.00 1-A-8 0.00 0.00 109,297.33 0.00 1-A-9 0.00 0.00 1,301.67 0.00 1-A-R 0.00 0.00 50.53 0.00 1-A-LR 0.00 0.00 50.23 0.00 2-A-1 0.00 63,949,892.93 525,640.40 0.00 X-PO 0.00 412,283.78 580.22 0.00 30-B-1 0.00 5,839,092.81 32,696.77 0.00 30-B-2 0.00 1,621,359.73 9,079.02 0.00 30-B-3 0.00 974,014.63 5,454.12 0.00 30-B-4 0.00 648,344.09 3,630.49 0.00 30-B-5 0.00 486,507.82 2,724.26 0.00 30-B-6 0.00 487,111.21 2,727.64 0.00 15-B-1 0.00 751,229.87 5,911.80 0.00 15-B-2 0.00 196,276.24 1,544.59 0.00 15-B-3 0.00 130,518.72 1,027.11 0.00 15-B-4 0.00 65,757.52 517.48 0.00 15-B-5 0.00 97,639.96 768.37 0.00 15-B-6 0.00 98,949.13 778.68 0.00 30-IO 0.00 0.00 58,500.36 0.00 15-IO 0.00 0.00 12,878.46 0.00 Totals 0.00 388,658,454.74 3,481,515.90 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-A-1 26,223,000.00 26,223,000.00 0.00 0.00 0.00 0.00 1-A-2 14,098,000.00 14,098,000.00 0.00 0.00 0.00 0.00 1-A-3 31,684,000.00 31,684,000.00 0.00 0.00 0.00 0.00 1-A-4 412,000.00 412,000.00 0.00 0.00 0.00 0.00 1-A-5 6,248,000.00 6,248,000.00 0.00 0.00 0.00 0.00 1-A-6 209,432,000.00 209,432,000.00 282,308.25 941,268.37 0.00 0.00 1-A-7 26,179,000.00 26,179,000.00 35,288.53 117,658.55 0.00 0.00 1-A-8 0.00 0.00 0.00 0.00 0.00 0.00 1-A-9 0.00 0.00 0.00 0.00 0.00 0.00 1-A-R 50.00 50.00 11.54 38.46 0.00 0.00 1-A-LR 50.00 50.00 11.54 38.46 0.00 0.00 2-A-1 64,208,000.00 64,208,000.00 235,894.47 22,212.60 0.00 0.00 X-PO 412,864.00 412,864.00 573.26 6.96 0.00 0.00 30-B-1 5,845,000.00 5,845,000.00 5,907.19 0.00 0.00 0.00 30-B-2 1,623,000.00 1,623,000.00 1,640.27 0.00 0.00 0.00 30-B-3 975,000.00 975,000.00 985.37 0.00 0.00 0.00 30-B-4 649,000.00 649,000.00 655.91 0.00 0.00 0.00 30-B-5 487,000.00 487,000.00 492.18 0.00 0.00 0.00 30-B-6 487,604.00 487,604.00 492.79 0.00 0.00 0.00 15-B-1 754,000.00 754,000.00 2,770.13 0.00 0.00 0.00 15-B-2 197,000.00 197,000.00 723.76 0.00 0.00 0.00 15-B-3 131,000.00 131,000.00 481.28 0.00 0.00 0.00 15-B-4 66,000.00 66,000.00 242.48 0.00 0.00 0.00 15-B-5 98,000.00 98,000.00 360.04 0.00 0.00 0.00 15-B-6 99,314.00 99,314.00 364.87 0.00 0.00 0.00 30-IO 0.00 0.00 0.00 0.00 0.00 0.00 15-IO 0.00 0.00 0.00 0.00 0.00 0.00 Totals 390,308,882.00 390,308,882.00 569,203.86 1,081,223.40 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-A-1 0.00 26,223,000.00 1.00000000 0.00 1-A-2 0.00 14,098,000.00 1.00000000 0.00 1-A-3 0.00 31,684,000.00 1.00000000 0.00 1-A-4 0.00 412,000.00 1.00000000 0.00 1-A-5 0.00 6,248,000.00 1.00000000 0.00 1-A-6 1,223,576.62 208,208,423.38 0.99415764 1,223,576.62 1-A-7 152,947.08 26,026,052.92 0.99415764 152,947.08 1-A-8 0.00 0.00 0.00000000 0.00 1-A-9 0.00 0.00 0.00000000 0.00 1-A-R 50.00 0.00 0.00000000 50.00 1-A-LR 50.00 0.00 0.00000000 50.00 2-A-1 258,107.07 63,949,892.93 0.99598014 258,107.07 X-PO 580.22 412,283.78 0.99859465 580.22 30-B-1 5,907.19 5,839,092.81 0.99898936 5,907.19 30-B-2 1,640.27 1,621,359.73 0.99898936 1,640.27 30-B-3 985.37 974,014.63 0.99898936 985.37 30-B-4 655.91 648,344.09 0.99898935 655.91 30-B-5 492.18 486,507.82 0.99898936 492.18 30-B-6 492.79 487,111.21 0.99898936 492.79 15-B-1 2,770.13 751,229.87 0.99632609 2,770.13 15-B-2 723.76 196,276.24 0.99632609 723.76 15-B-3 481.28 130,518.72 0.99632611 481.28 15-B-4 242.48 65,757.52 0.99632606 242.48 15-B-5 360.04 97,639.96 0.99632612 360.04 15-B-6 364.87 98,949.13 0.99632610 364.87 30-IO 0.00 0.00 0.00000000 0.00 15-IO 0.00 0.00 0.00000000 0.00 Totals 1,650,427.26 388,658,454.74 0.99577148 1,650,427.26
Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 26,223,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-2 14,098,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-3 31,684,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-4 412,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-5 6,248,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-6 209,432,000.00 1000.00000000 1.34797094 4.49438658 0.00000000 1-A-7 26,179,000.00 1000.00000000 1.34797089 4.49438672 0.00000000 1-A-8 0.00 0.00000000 0.00000000 0.00000000 0.00000000 1-A-9 0.00 0.00000000 0.00000000 0.00000000 0.00000000 1-A-R 50.00 1000.00000000 230.80000000 769.20000000 0.00000000 1-A-LR 50.00 1000.00000000 230.80000000 769.20000000 0.00000000 2-A-1 64,208,000.00 1000.00000000 3.67391088 0.34594755 0.00000000 X-PO 412,864.00 1000.00000000 1.38849597 0.01685785 0.00000000 30-B-1 5,845,000.00 1000.00000000 1.01063986 0.00000000 0.00000000 30-B-2 1,623,000.00 1000.00000000 1.01064079 0.00000000 0.00000000 30-B-3 975,000.00 1000.00000000 1.01063590 0.00000000 0.00000000 30-B-4 649,000.00 1000.00000000 1.01064715 0.00000000 0.00000000 30-B-5 487,000.00 1000.00000000 1.01063655 0.00000000 0.00000000 30-B-6 487,604.00 1000.00000000 1.01063568 0.00000000 0.00000000 15-B-1 754,000.00 1000.00000000 3.67391247 0.00000000 0.00000000 15-B-2 197,000.00 1000.00000000 3.67390863 0.00000000 0.00000000 15-B-3 131,000.00 1000.00000000 3.67389313 0.00000000 0.00000000 15-B-4 66,000.00 1000.00000000 3.67393939 0.00000000 0.00000000 15-B-5 98,000.00 1000.00000000 3.67387755 0.00000000 0.00000000 15-B-6 99,314.00 1000.00000000 3.67390297 0.00000000 0.00000000 30-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes ar 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-A-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-6 0.00000000 5.84235752 994.15764248 0.99415764 5.84235752 1-A-7 0.00000000 5.84235761 994.15764239 0.99415764 5.84235761 1-A-8 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-9 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-R 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 1-A-LR 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 2-A-1 0.00000000 4.01985843 995.98014157 0.99598014 4.01985843 X-PO 0.00000000 1.40535382 998.59464618 0.99859465 1.40535382 30-B-1 0.00000000 1.01063986 998.98936014 0.99898936 1.01063986 30-B-2 0.00000000 1.01064079 998.98935921 0.99898936 1.01064079 30-B-3 0.00000000 1.01063590 998.98936410 0.99898936 1.01063590 30-B-4 0.00000000 1.01064715 998.98935285 0.99898935 1.01064715 30-B-5 0.00000000 1.01063655 998.98936345 0.99898936 1.01063655 30-B-6 0.00000000 1.01063568 998.98936432 0.99898936 1.01063568 15-B-1 0.00000000 3.67391247 996.32608753 0.99632609 3.67391247 15-B-2 0.00000000 3.67390863 996.32609137 0.99632609 3.67390863 15-B-3 0.00000000 3.67389313 996.32610687 0.99632611 3.67389313 15-B-4 0.00000000 3.67393939 996.32606061 0.99632606 3.67393939 15-B-5 0.00000000 3.67387755 996.32612245 0.99632612 3.67387755 15-B-6 0.00000000 3.67390297 996.32609703 0.99632610 3.67390297 30-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 15-IO 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-A-1 26,223,000.00 5.50000% 26,223,000.00 120,188.75 0.00 0.00 1-A-2 14,098,000.00 5.50000% 14,098,000.00 64,615.83 0.00 0.00 1-A-3 31,684,000.00 5.50000% 31,684,000.00 145,218.33 0.00 0.00 1-A-4 412,000.00 5.50000% 412,000.00 1,888.33 0.00 0.00 1-A-5 6,248,000.00 5.25000% 6,248,000.00 27,335.00 0.00 0.00 1-A-6 209,432,000.00 5.25000% 209,432,000.00 916,265.00 0.00 0.00 1-A-7 26,179,000.00 2.49000% 26,179,000.00 54,321.43 0.00 0.00 1-A-8 0.00 5.01000% 26,179,000.00 109,297.33 0.00 0.00 1-A-9 0.00 5.50000% 284,000.00 1,301.67 0.00 0.00 1-A-R 50.00 5.50000% 50.00 0.23 0.00 0.00 1-A-LR 50.00 5.50000% 50.00 0.23 0.00 0.00 2-A-1 64,208,000.00 5.00000% 64,208,000.00 267,533.33 0.00 0.00 X-PO 412,864.00 0.00000% 412,864.00 0.00 0.00 0.00 30-B-1 5,845,000.00 5.50000% 5,845,000.00 26,789.58 0.00 0.00 30-B-2 1,623,000.00 5.50000% 1,623,000.00 7,438.75 0.00 0.00 30-B-3 975,000.00 5.50000% 975,000.00 4,468.75 0.00 0.00 30-B-4 649,000.00 5.50000% 649,000.00 2,974.58 0.00 0.00 30-B-5 487,000.00 5.50000% 487,000.00 2,232.08 0.00 0.00 30-B-6 487,604.00 5.50000% 487,604.00 2,234.85 0.00 0.00 15-B-1 754,000.00 5.00000% 754,000.00 3,141.67 0.00 0.00 15-B-2 197,000.00 5.00000% 197,000.00 820.83 0.00 0.00 15-B-3 131,000.00 5.00000% 131,000.00 545.83 0.00 0.00 15-B-4 66,000.00 5.00000% 66,000.00 275.00 0.00 0.00 15-B-5 98,000.00 5.00000% 98,000.00 408.33 0.00 0.00 15-B-6 99,314.00 5.00000% 99,314.00 413.81 0.00 0.00 30-IO 0.00 5.50000% 12,763,715.49 58,500.36 0.00 0.00 15-IO 0.00 5.00000% 3,090,829.47 12,878.46 0.00 0.00 Totals 390,308,882.00 1,831,088.34 0.00 0.00
Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-A-1 0.00 0.00 120,188.75 0.00 26,223,000.00 1-A-2 0.00 0.00 64,615.83 0.00 14,098,000.00 1-A-3 0.00 0.00 145,218.33 0.00 31,684,000.00 1-A-4 0.00 0.00 1,888.33 0.00 412,000.00 1-A-5 0.00 0.00 27,335.00 0.00 6,248,000.00 1-A-6 0.00 0.00 916,265.00 0.00 208,208,423.38 1-A-7 0.00 0.00 54,321.43 0.00 26,026,052.92 1-A-8 0.00 0.00 109,297.33 0.00 26,026,052.92 1-A-9 0.00 0.00 1,301.67 0.00 284,000.00 1-A-R 0.00 0.00 0.53 0.00 0.00 1-A-LR 0.00 0.00 0.23 0.00 0.00 2-A-1 0.00 0.00 267,533.33 0.00 63,949,892.93 X-PO 0.00 0.00 0.00 0.00 412,283.78 30-B-1 0.00 0.00 26,789.58 0.00 5,839,092.81 30-B-2 0.00 0.00 7,438.75 0.00 1,621,359.73 30-B-3 0.00 0.00 4,468.75 0.00 974,014.63 30-B-4 0.00 0.00 2,974.58 0.00 648,344.09 30-B-5 0.00 0.00 2,232.08 0.00 486,507.82 30-B-6 0.00 0.00 2,234.85 0.00 487,111.21 15-B-1 0.00 0.00 3,141.67 0.00 751,229.87 15-B-2 0.00 0.00 820.83 0.00 196,276.24 15-B-3 0.00 0.00 545.83 0.00 130,518.72 15-B-4 0.00 0.00 275.00 0.00 65,757.52 15-B-5 0.00 0.00 408.33 0.00 97,639.96 15-B-6 0.00 0.00 413.81 0.00 98,949.13 30-IO 0.00 0.00 58,500.36 0.00 12,662,147.76 15-IO 0.00 0.00 12,878.46 0.00 3,078,651.41 Totals 0.00 0.00 1,831,088.64 0.00 (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-A-1 26,223,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000 1-A-2 14,098,000.00 5.50000% 1000.00000000 4.58333310 0.00000000 0.00000000 1-A-3 31,684,000.00 5.50000% 1000.00000000 4.58333323 0.00000000 0.00000000 1-A-4 412,000.00 5.50000% 1000.00000000 4.58332524 0.00000000 0.00000000 1-A-5 6,248,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000 1-A-6 209,432,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000 1-A-7 26,179,000.00 2.49000% 1000.00000000 2.07500019 0.00000000 0.00000000 1-A-8 0.00 5.01000% 1000.00000000 4.17500019 0.00000000 0.00000000 1-A-9 0.00 5.50000% 1000.00000000 4.58334507 0.00000000 0.00000000 1-A-R 50.00 5.50000% 1000.00000000 4.60000000 0.00000000 0.00000000 1-A-LR 50.00 5.50000% 1000.00000000 4.60000000 0.00000000 0.00000000 2-A-1 64,208,000.00 5.00000% 1000.00000000 4.16666661 0.00000000 0.00000000 X-PO 412,864.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 30-B-1 5,845,000.00 5.50000% 1000.00000000 4.58333276 0.00000000 0.00000000 30-B-2 1,623,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000 30-B-3 975,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000 30-B-4 649,000.00 5.50000% 1000.00000000 4.58332820 0.00000000 0.00000000 30-B-5 487,000.00 5.50000% 1000.00000000 4.58332649 0.00000000 0.00000000 30-B-6 487,604.00 5.50000% 1000.00000000 4.58332992 0.00000000 0.00000000 15-B-1 754,000.00 5.00000% 1000.00000000 4.16667109 0.00000000 0.00000000 15-B-2 197,000.00 5.00000% 1000.00000000 4.16664975 0.00000000 0.00000000 15-B-3 131,000.00 5.00000% 1000.00000000 4.16664122 0.00000000 0.00000000 15-B-4 66,000.00 5.00000% 1000.00000000 4.16666667 0.00000000 0.00000000 15-B-5 98,000.00 5.00000% 1000.00000000 4.16663265 0.00000000 0.00000000 15-B-6 99,314.00 5.00000% 1000.00000000 4.16668345 0.00000000 0.00000000 30-IO 0.00 5.50000% 1000.00411246 4.58335197 0.00000000 0.00000000 15-IO 0.00 5.00000% 1000.00015206 4.16666855 0.00000000 0.00000000 (5) All Classes ar 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-A-1 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000 1-A-2 0.00000000 0.00000000 4.58333310 0.00000000 1000.00000000 1-A-3 0.00000000 0.00000000 4.58333323 0.00000000 1000.00000000 1-A-4 0.00000000 0.00000000 4.58332524 0.00000000 1000.00000000 1-A-5 0.00000000 0.00000000 4.37500000 0.00000000 1000.00000000 1-A-6 0.00000000 0.00000000 4.37500000 0.00000000 994.15764248 1-A-7 0.00000000 0.00000000 2.07500019 0.00000000 994.15764239 1-A-8 0.00000000 0.00000000 4.17500019 0.00000000 994.15764239 1-A-9 0.00000000 0.00000000 4.58334507 0.00000000 1000.00000000 1-A-R 0.00000000 0.00000000 10.60000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 4.60000000 0.00000000 0.00000000 2-A-1 0.00000000 0.00000000 4.16666661 0.00000000 995.98014157 X-PO 0.00000000 0.00000000 0.00000000 0.00000000 998.59464618 30-B-1 0.00000000 0.00000000 4.58333276 0.00000000 998.98936014 30-B-2 0.00000000 0.00000000 4.58333333 0.00000000 998.98935921 30-B-3 0.00000000 0.00000000 4.58333333 0.00000000 998.98936410 30-B-4 0.00000000 0.00000000 4.58332820 0.00000000 998.98935285 30-B-5 0.00000000 0.00000000 4.58332649 0.00000000 998.98936345 30-B-6 0.00000000 0.00000000 4.58332992 0.00000000 998.98936432 15-B-1 0.00000000 0.00000000 4.16667109 0.00000000 996.32608753 15-B-2 0.00000000 0.00000000 4.16664975 0.00000000 996.32609137 15-B-3 0.00000000 0.00000000 4.16664122 0.00000000 996.32610687 15-B-4 0.00000000 0.00000000 4.16666667 0.00000000 996.32606061 15-B-5 0.00000000 0.00000000 4.16663265 0.00000000 996.32612245 15-B-6 0.00000000 0.00000000 4.16668345 0.00000000 996.32609703 30-IO 0.00000000 0.00000000 4.58335197 0.00000000 992.04654338 15-IO 0.00000000 0.00000000 4.16666855 0.00000000 996.06008938 (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 X-PO-1 0.00000% 0.00 0.00 364,234.00 363,838.58 99.89143792% X-PO-2 0.00000% 0.00 0.00 48,630.00 48,445.20 99.61998766%
CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 3,565,269.66 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 3,565,269.66 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 83,753.76 Payment of Interest and Principal 3,481,515.90 Total Withdrawals (Pool Distribution Amount) 3,565,269.66 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 81,314.33 Trustee Fee 2,439.43 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 83,753.76
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 1 0 0 0 1 340,000.00 0.00 0.00 0.00 340,000.00 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 1 0 0 0 1 340,000.00 0.00 0.00 0.00 340,000.00 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 0.135685% 0.000000% 0.000000% 0.000000% 0.135685% 0.087381% 0.000000% 0.000000% 0.000000% 0.087381% 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 0.135685% 0.000000% 0.000000% 0.000000% 0.135685% 0.087381% 0.000000% 0.000000% 0.000000% 0.087381%
Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 - 30 Year Fixed 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 1 0 0 0 1 340,000.00 0.00 0.00 0.00 340,000.00 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 1 0 0 0 1 340,000.00 0.00 0.00 0.00 340,000.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.161812% 0.000000% 0.000000% 0.000000% 0.161812% 0.105078% 0.000000% 0.000000% 0.000000% 0.105078% 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 0.161812% 0.000000% 0.000000% 0.000000% 0.161812% 0.105078% 0.000000% 0.000000% 0.000000% 0.105078% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 - 15 Year Fixed 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 1,940.47
COLLATERAL STATEMENT Collateral Description Mixed Fixed Weighted Average Gross Coupon 5.887159% Weighted Average Pass-Through Rate 5.629658% Weighted Average Maturity(Stepdown Calculation ) 267 Beginning Scheduled Collateral Loan Count 739 Number Of Loans Paid In Full 2 Ending Scheduled Collateral Loan Count 737 Beginning Scheduled Collateral Balance 390,308,882.00 Ending Scheduled Collateral Balance 388,658,455.82 Ending Actual Collateral Balance at 30-Nov-2004 389,099,888.85 Monthly P &I Constant 2,484,046.18 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 3,413,494.82 Class AP Deferred Amount 0.00 Scheduled Principal 569,203.85 Unscheduled Principal 1,081,223.41
Miscellaneous Reporting Senior % 97.073087% Subordinate % 2.926913%
Group Level Collateral Statement Group 1 - 30 Year Fixed 2 - 15 Year Fixed Total Collateral Description Fixed 30 Year Fixed 15 Year Mixed Fixed Weighted Average Coupon Rate 5.967527 5.489368 5.887159 Weighted Average Net Rate 5.717527 5.239368 5.637159 Weighted Average Maturity 358 177 267 Beginning Loan Count 620 119 739 Loans Paid In Full 2 0 2 Ending Loan Count 618 119 737 Beginning Scheduled Balance 324,706,938.45 65,601,944.63 390,308,883.08 Ending scheduled Balance 323,319,745.63 65,338,710.19 388,658,455.82 Record Date 11/30/2004 11/30/2004 11/30/2004 Principal And Interest Constant 1,942,933.93 541,112.25 2,484,046.18 Scheduled Principal 328,185.97 241,017.88 569,203.85 Unscheduled Principal 1,059,006.85 22,216.56 1,081,223.41 Scheduled Interest 1,614,747.96 300,094.37 1,914,842.33 Servicing Fees 67,647.26 13,667.07 81,314.33 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 2,029.42 410.01 2,439.43 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 1,545,071.28 286,017.29 1,831,088.57 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 5.710027 5.231868 5.629658
Miscellaneous Reporting Group 1 - 30 Year Fixed CPR 3.848082% Subordinate % 3.103694% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 96.896306% Group 2 - 15 Year Fixed CPR 0.407125% Subordinate % 2.052244% Subordinate Prepayment% 0.000000% Senior Prepayment % 100.000000% Senior % 97.947756%
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