8-K 1 arm04001_nov.txt NOVEMBER 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): November 26, 2004 ADJUSTABLE RATE MORTGAGE TRUST Adjustable Rate Mortgage-Backed P/T Certificates, Series 2004-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-107055-36 54-2161165 Pooling and Servicing Agreement) (Commission 54-2161166 (State or other File Number) 54-2161167 jurisdiction 54-2161168 of Incorporation) 54-2161169 IRS EIN 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 ADJUSTABLE RATE MORTGAGE TRUST, Adjustable Rate Mortgage-Backed P/T Certificates, Series 2004-1 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Adjustable Rate Mortgage-Backed P/T Certificates, Series 2004-1 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. ADJUSTABLE RATE MORTGAGE TRUST Adjustable Rate Mortgage-Backed P/T Certificates, Series 2004-1 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trust Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 11/27/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Adjustable Rate Mortgage-Backed P/T Certificates, Series 2004-1 Trust, relating to the November 26, 2004 distribution. EX-99.1

~~UNITED~~Credit ~~STATES SECURITIES~~Suisse ~~AND~~First ~~EXCHANGE~~Boston ~~COMMISSION Washington,~~Mortgage DSecurities Corp.C. ~~20549 FORM~~Mortgage 8Pass-~~K CURRENT~~Through ~~REPORT Pursuant~~Certificates toRecord ~~Section~~Date: 1310/31/2004 ORDistribution ~~15(d)~~Date: ~~of The~~11/26/2004 ~~Securities~~ARMT ~~Exchange~~Series: ~~Act~~2004-1 ofContact: ~~1934 Date~~Customer ofService ~~Report~~- ~~(Date~~CTSLink ofWells ~~earliest~~Fargo ~~event~~Bank, ~~reported)~~N.A. ~~September~~Securities ~~29,~~Administration ~~2004 CREDIT~~Services ~~SUISSE~~7485 ~~FIRST~~New ~~BOSTON~~Horizon ~~MORTGAGE~~Way ~~SECURITIES CORP.~~Frederick, on ~~behalf~~MD of21703 ~~the Adjustable~~Telephone: ~~Rate~~(301) ~~Mortgage~~815-~~Backed~~6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through ~~Certificates,~~Certificate ~~Series~~Interest ~~2004-1 (Exact~~Principal ~~name~~Class ofCUSIP ~~registrant~~Description asRate ~~specified~~Balance inDistribution ~~its~~Distribution ~~charter) Delaware 333~~1-~~107055~~A-36 1 007036AA4 SEN 3.63614% 61,009,399.13 184,865.49 523,748.86 1-~~3320910~~ A-X 007036BD7 RES 1.13460% 0.00 57,684.39 0.00 AR SMT0409AR RES 3.63472% 0.00 0.00 0.00 AR-L 007036AY2 SEN 3.63472% 0.00 0.00 0.00 2-A-1 007036AB2 SEN 5.09595% 150,978,464.15 641,149.26 3,823,264.94 3-A-1 007036AC0 SEN 5.00916% 37,300,527.74 155,703.71 649,628.15 4-A-1 007036AD8 SEN 5.56304% 119,820,454.76 555,472.04 2,405,335.43 5-A-1 007036AE6 SEN 4.74831% 76,570,940.19 302,985.55 957,070.20 6-A-1 007036AF3 SEN 5.26368% 124,058,520.78 544,170.05 1,947,662.10 7-A-1 007036AG1 SEN 3.44795% 44,113,360.81 126,750.56 1,242,028.83 8-A-1 007036AH9 SEN 3.47221% 51,264,236.79 148,333.29 662,172.96 C-B-1 007036AT3 SUB 2.58250% 41,682,393.11 95,684.25 12,610.46 C-B-~~-------- -------------------------- ------------------------------ (State~~1X or007036AW6 ~~other (Commission~~SUB ~~File~~2.14692% ~~Number) (IRS~~0.00 ~~Employer jurisdiction~~74,574.09 ~~of Identification No~~0.~~) incorporation)~~ 00 ~~Eleven~~C-B-2 ~~Madison~~007036AU0 ~~Avenue~~SUB 4.90159% 11,162,623.85 ~~New~~45,595.51 ~~York~~3,377.11 ~~NY 10010~~ C-B-~~------------------------------------ --------------------------------------- (Address~~3 of007036AV8 ~~principal~~SUB ~~executive (Zip~~4.90159% ~~Code) office) Registrant's~~4,465,649.36 ~~telephone~~18,240.65 ~~number~~1,351.02 ~~including~~C-B-4 ~~area~~007036AZ9 ~~code (212)~~SUB ~~325-2000~~4. ~~N/A (Former~~90159% ~~name~~3,345,988.00 or13,667.22 ~~address~~1,012.28 ifC-B-5 ~~changed~~007036BA3 ~~since~~SUB ~~last~~4.90159% ~~report) Check~~3,719,874.92 ~~the~~15,194.42 ~~appropriate~~1,125.40 ~~box~~C-B-6 ~~below~~007036BB1 ifSUB ~~the~~4.90159% ~~Form~~2,606,155.26 810,645.25 788.46 9-KA-1-1 ~~filing~~007036BE5 isSEN ~~intended~~2.31750% to152,634,210.41 ~~simultaneously satisfy~~314,426.50 ~~the~~4,718,370.93 ~~filing~~9-A-1-2 ~~obligation~~007036BF2 ofSEN ~~the~~2.40250% ~~registrant~~16,959,356.71 ~~under~~36,217.65 ~~any~~524,263.44 of9-A-2 ~~the~~007036AK2 ~~following~~SEN ~~provisions~~2.33250% ~~(see General~~109,678,092.38 ~~Instruction~~227,399.27 A4,052,405.24 9-A-3 007036AL0 SEN 2.18250% ~~below): [ ]~~28,824,103.50 ~~Written~~55,918.77 ~~communication~~1,434,479.73 ~~pursuant~~9-A-4 to007036AM8 ~~Rule~~SEN ~~425~~2.46250% ~~under~~20,000,000.00 ~~the~~43,777.78 ~~Securities~~0.00 ~~Act~~9-A-5 ~~(17~~007036AN6 ~~CFR~~SEN ~~230~~2.~~425) [ ]~~32250% ~~Soliciting~~19,412,051.75 ~~material~~40,075.11 ~~pursuant~~717,239.86 to9-A-6 ~~Rule~~007036BG0 ~~14a-12~~SEN ~~under~~2.30250% ~~the~~55,518,468.00 ~~Exchange~~113,627.81 ~~Act~~2,051,306.01 ~~(17~~9-A-7 ~~CFR~~007036BH8 ~~240~~SEN 2.~~14a-12) [ ]~~16250% ~~Pre~~28,824,103.50 55,406.34 1,434,479.73 9-~~commencement~~M-1 ~~communications~~007036AP1 ~~pursuant~~MEZ to2.58250% ~~Rule~~26,685,000.00 ~~14d~~61,256.90 0.00 9-M-2~~(b)~~ ~~under~~007036AQ9 ~~the~~MEZ ~~Exchange~~3.23250% ~~Act~~9,700,000.00 ~~(17 CFR~~27,871.34 ~~240~~0.~~14d-2(b)) [ ]~~00 ~~Pre~~9-~~commencement~~M-3 ~~communications~~007036AR7 ~~pursuant~~MEZ to3.88250% ~~Rule~~3,635,000.00 ~~13e~~12,544.79 0.00 9-M-4~~(c)~~ ~~under~~007036AS5 ~~the~~MEZ ~~Exchange~~4.13250% ~~Act~~2,426,000.00 ~~(17 CFR~~8,911.51 ~~240~~0.~~13e~~00 9-X 007036BC9 OC 0.00000% 1,495,830.56 315,598.80 0.00 Totals 1,207,890,805.66 4~~(c))~~ ,303,748.30 27,163,721.14

~~Information~~Certificateholder toDistribution beSummary ~~Included~~(continued) inCurrent ~~the~~Ending ~~Report Section~~Cumulative 8Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 ~~Other~~0.00 ~~Events~~60,485,650. ~~ITEM~~27 8708,614.0135 0. ~~Other~~00 ~~Events~~1-A-X 0. On00 ~~September 29,~~0.00 ~~2004~~57, ~~Credit~~684.39 ~~Suisse~~0.00 ~~First~~AR ~~Boston Mortgage Securities Corp~~0. ~~caused~~00 ~~the issuance~~0.00 ~~and~~0.00 ~~sale~~0.00 ofAR-L ~~the~~0.00 ~~Adjustable~~0.00 ~~Rate~~0.00 ~~Mortgage~~0.00 2-~~Backed Pass~~A-~~Through~~1 ~~Certificates~~0.00 147, ~~Series 2004~~155,199.21 4,464,414.20 0.00 3-A-1 0.00 36, ~~pursuant~~650,899.59 to805,331.86 a0.00 ~~Pooling~~4-A-1 ~~and~~0.00 ~~Servicing Agreement~~117,415,119.33 ~~dated~~2,960,807.47 as0.00 of5-A-1 ~~September~~0.00 75,613,869.99 1,260,055.75 ~~2004~~0.00 6-A-1 0.00 122,110,858.67 ~~among Credit~~2,491,832.15 ~~Suisse~~0.00 ~~First~~7-A-1 ~~Boston~~0.00 ~~Mortgage Securities Corp~~42,871,331.98 1,368,779.39 as0.00 ~~depositor, DLJ~~8-A-1 ~~Mortgage~~0.00 ~~Capital~~50, ~~Inc~~602,063.83 810,506.25 as0.00 ~~seller~~C-B-1 0.00 41, ~~Washington~~669,782.65 ~~Mutual~~108,294.71 ~~Mortgage~~0.00 ~~Securities~~C-B-1X ~~Corp~~0.00 0.00 74,574.09 as0.00 ~~seller~~C-B-2 ~~and~~0.00 ~~servicer~~11, ~~Select Portfolio Servicing~~159, ~~Inc~~246.75 48,972.62 as0.00 ~~servicer, GreenPoint Mortgage~~C-B-3 ~~Funding~~0.00 4, ~~Inc~~464,298.34 19,591.67 as0.00 ~~servicer, Wells~~C-B-4 ~~Fargo~~0.00 ~~Bank~~3, ~~N.A.~~344, as975.72 ~~trust administrator~~14, ~~master servicer, servicer and~~679.50 ~~back~~0.00 C-~~up servicer~~B-5 ~~and~~0.00 U3,718,749.S52 16,319.82 ~~Bank~~0.00 ~~National~~C-B-6 ~~Association~~0.00 2,605,366.80 as11,433.71 ~~trustee~~0. ~~Section~~62 9 -A-1-1 ~~Financial~~0.00 ~~Statements~~147,915,839.48 ~~and~~5,032,797.43 ~~Exhibits ITEM~~0.00 9-A-1-2 0.0100 ~~(c)~~16,435,093.28 ~~Exhibits~~560,481. ~~(c) Exhibits (executed copies): The~~09 ~~following execution~~0.00 ~~copies~~9-A-2 of0.00 ~~Exhibits~~105,625,687.14 to4,279,804.51 ~~the~~0.00 ~~Form S~~9-A-3 ~~Registration~~0.00 ~~Statement~~27,389,623.77 of1,490,398.50 ~~the~~0.00 ~~Registrant~~9-A-4 ~~are~~0.00 ~~hereby~~20,000,000.00 ~~filed: 10~~43,777.~~1 Pooling~~78 ~~and Servicing Agreement dated~~0.00 as9-A-5 of0.00 ~~September 1~~18,694,811.88 ~~2004~~757, ~~among~~314.97 ~~Credit Suisse First~~0.00 ~~Boston Mortgage Securities Corp~~9-A-6 0.00 53, ~~as depositor~~467, ~~DLJ~~161.99 ~~Mortgage Capital~~2,164,933.82 ~~Inc~~0.,00 as9-A-7 ~~seller~~0.00 27, ~~Washington~~389,623.77 ~~Mutual~~1,489,886.07 ~~Mortgage~~0.00 ~~Securities~~9-M-1 ~~Corp,~~0.00 ~~as seller and servicer~~26, ~~Select Portfolio Servicing~~685, ~~Inc~~000.00 61, ~~as servicer~~256.90 0.00 9-M-2 0.00 9, ~~GreenPoint Mortgage Funding~~700, ~~Inc~~000.00 27, ~~as servicer~~871.34 0.00 9-M-3 0.00 3, ~~Wells Fargo Bank~~635, N000.A00 12,544.79 0.00 9-M-4 0.00 2, ~~as trust administrator~~426, ~~master servicer~~000.00 8, ~~servicer~~911.51 ~~and~~0.00 ~~back~~9-~~up servicer~~X ~~and~~0.00 U2,425,332.~~S. Bank National~~45 ~~Association~~315,598.80 as0.00 ~~trustee~~Totals 0. 1000 1,181,656,586.~~2 Assignment and Assumption Agreement~~41 31, ~~dated~~467,469.44 as0.62 ~~of September 29,~~All ~~2004~~distributions required by ~~and between~~the ~~DLJ Mortgage Capital, Inc.~~Pooling and ~~Credit Suisse First~~Servicing ~~Boston Mortgage Securities~~Agreement ~~Corp~~have been calculated by the Certificate Administrator on behalf of the Trustee.

~~SIGNATURES Pursuant~~Principal toDistribution ~~the~~Statement ~~requirements~~Original ofBeginning ~~the~~Scheduled ~~Securities Exchange~~Unscheduled ~~Act~~Face ofCertificate ~~1934~~Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-A-1 62,620,000.00 as61,009,399.13 ~~amended~~18, ~~the registrant has~~386.32 ~~duly caused this report to~~505,362.54 be0.00 ~~signed on~~0.00 ~~its behalf~~1-A-X by0.00 ~~the undersigned hereunto~~0.00 ~~duly~~0.00 ~~authorized~~0. ~~Dated: September~~00 290.00 0.00 AR 50.00 0.00 0.00 0.00 0.00 0.00 AR-L 50.00 0.00 0.00 0.00 0.00 0.00 2-A-1 155,970,000.00 ~~2004 CREDIT~~150,978,464.15 ~~SUISSE~~48,819.40 ~~FIRST~~3,774,445.54 ~~BOSTON~~0.00 ~~MORTGAGE~~0.00 ~~SECURITIES~~3-A-1 ~~CORP~~37,480,000. ~~By: /s/~~00 ~~John~~37,300,527.74 P25,479.54 ~~Graham John~~624,148.61 P0.00 ~~Graham Vice~~0.00 ~~President~~ 4-A-1 121,120,000.00 119,820,454.76 42,917.89 2,362,417.54 0.00 0.00 5-A-1 78,260,000.00 76,570,940.19 21,583.04 935,487.16 0.00 0.00 6-A-1 125,160,000.00 124,058,520.78 39,462.45 1,908,199.65 0.00 0.00 7-A-1 44,165,000.00 44,113,360.81 508.32 1,241,520.51 0.00 0.00 8-A-1 52,705,000.00 51,264,236.79 4,183.42 657,989.54 0.00 0.00 C-B-1 41,695,000.00 41,682,393.11 12,610.46 0.00 0.00 0.00 C-B-1X 0.00 0.00 0.00 0.00 0.00 0.00 C-B-2 11,166,000.00 11,162,623.85 3,377.11 0.00 0.00 0.00 C-B-3 4,467,000.00 4,465,649.36 1,351.02 0.00 0.00 0.00 C-B-4 3,347,000.00 3,345,988.00 1,012.28 0.00 0.00 0.00 C-B-5 3,721,000.00 3,719,874.92 1,125.40 0.00 0.00 0.00 C-B-6 2,606,944.73 2,606,155.26 788.46 0.00 0.00 0.00 9-A-1-1 155,178,000.00 152,634,210.41 0.00 4,718,370.93 0.00 0.00 9-A-1-2 17,242,000.00 16,959,356.71 0.00 524,263.44 0.00 0.00 9-A-2 113,000,000.00 109,678,092.38 0.00 4,052,405.24 0.00 0.00 9-A-3 30,000,000.00 28,824,103.50 0.00 1,434,479.73 0.00 0.00 9-A-4 20,000,000.00 20,000,000.00 0.00 0.00 0.00 0.00 9-A-5 20,000,000.00 19,412,051.75 0.00 717,239.86 0.00 0.00 9-A-6 57,200,000.00 55,518,468.00 0.00 2,051,306.01 0.00 0.00 9-A-7 30,000,000.00 28,824,103.50 0.00 1,434,479.73 0.00 0.00 9-X 0.00 1,495,830.56 0.00 0.00 0.00 0.00 0.00 1,495,830.56 0.00 0.00 0.00 0.00 Totals 1,187,103,044.73 1,166,940,636.22 221,605.11 26,942,116.03 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.

~~Exhibit~~Principal ~~Index Exhibit~~Distribution ~~Number Description~~ Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-A-1 523,748.86 60,485,650.27 0.96591585 523,748.86 1-A-X 0.00 0.00 0.00000000 0.00 AR 0.00 0.00 0.00000000 0.00 AR-L 0.00 0.00 0.00000000 0.00 2-A-1 3,823,264.94 147,155,199.21 0.94348400 3,823,264.94 3-A-1 649,628.15 36,650,899.59 0.97787886 649,628.15 4-A-1 2,405,335.43 117,415,119.33 0.96941149 2,405,335.43 5-A-1 957,070.20 75,613,869.99 0.96618796 957,070.20 6-A-1 1,947,662.10 122,110,858.67 0.97563805 1 ~~Pooling and Servicing Agreement dated~~,947,662.10 as7-A-1 ~~of September~~ 1,242,028.83 ~~2004~~42, ~~among~~871,331.98 ~~Credit Suisse First~~0.97070830 ~~Boston Mortgage Securities Corp~~1,242,028.83 8-A-1 662, ~~as depositor~~172.96 50,602,063.83 ~~DLJ~~0.96009987 ~~Mortgage~~662,172.96 ~~Capital~~C-B-1 12,610.46 ~~Inc~~41,669,782.65 0.99939519 12,610.46 asC-B-1X ~~seller~~0.00 0.00 0.00000000 0.00 C-B-2 3, ~~Washington~~377.11 ~~Mutual Mortgage Securities~~11,159,246.75 ~~Corp~~0.99939520 3,377.11 asC-B-3 ~~seller~~1,351.02 ~~and~~4,464,298.34 ~~servicer~~0.99939520 1, ~~Select~~351.02 ~~Portfolio Servicing~~C-B-4 1,012.28 ~~Inc~~3,344,975.72 0.99939520 1,012.28 asC-B-5 ~~servicer~~1, ~~GreenPoint~~125.40 ~~Mortgage~~3,718,749.52 ~~Funding~~0.99939519 1,125.40 ~~Inc~~C-B-6 788.46 2,605,366.80 ~~as servicer~~0.99939472 788.46 9-A-1-1 4, ~~Wells~~718,370.93 ~~Fargo~~147,915,839.48 ~~Bank~~0.95320109 4, N718,370.93 9-A-1-2 524,263.44 16,435,093.28 as0.95320110 ~~trust administrator~~524, ~~master servicer~~263.44 9-A-2 4, ~~servicer and~~052,405.24 ~~back~~105,625,687.14 0.93474059 4,052,405.24 9-~~up servicer and~~A-3 U1,434,479.S73 27,389,623. ~~Bank National Association~~77 0.91298746 1,434,479.73 as9-A-4 ~~trustee~~0. 00 1020,000,000.00 1.00000000 0.00 9-A-5 717,239.86 18,694,811.88 0.93474059 717,239.86 9-A-6 2 ~~Assignment~~,051,306.01 ~~and~~53,467,161.99 ~~Assumption~~0.93474059 ~~Agreement~~2,051,306.01 ~~dated~~9-A-7 as1,434,479.73 of27,389,623.77 ~~September~~0.91298746 291, ~~2004 by~~434,479.73 ~~and~~9-X ~~between~~0.00 ~~DLJ~~2,425,332.45 ~~Mortgage Capital~~0.00000000 0.00 9-X 0.00 2, ~~Inc~~425,332.45 ~~and~~0.00000000 ~~Credit Suisse~~0.00 ~~First Boston~~Totals ~~Mortgage~~27,163,721.14 ~~Securities~~1,141,635,918.86 ~~Corp~~0. 96169909 27,163,721.14

Filing Compare · CSFB ADJUSTABLE RATE MORTGAGE TRUST 2004-1