8-K 1 cwa0412_8k0501.txt 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): January 25, 2005 CWA (Depositor) (Issuer in respect of Asset-Backed Securities, Series 2004-12) (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) , , N/A 91110-7137 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (818)-304-4428 Not Applicable (Former name, former address and former fiscal year, 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. []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)) Section 8 - Other Events Item 8.01 Other Events Section 9 - Financial Statements and Exhibits Item 9.01 Financial Statements and Exhibits SIGNATURES 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 thereunto duly authorized. Dated: January 25, 2005 CWA By: /s/ Courtney Bartholomew ------------------------------ Name: Courtney Bartholomew Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated January 25, 2005 Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans Asset-Backed Securities, Series 2004-12 ------------------------------------------------------------

Class Information Current Payment Information ---------------------------------------------------------------------------------------------------------------------------------- Beginning Pass Thru Principal Interest Total Principal Interest Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls ---------------------------------------------------------------------------------------------------------------------------------- Senior AF1 ~~130~~128,~~641~~819,~~000~~307.0005 2.~~380630~~617500% 1,~~821~~972,~~692~~756.9521 ~~241~~271,~~895~~620.0288 2,~~063~~244,~~587~~377.9709 0.00 0.00 AF2 24,939,000.00 3.631000% 0.00 75,461.26 75,461.26 0.00 0.00 AF3 87,819,000.00 4.022000% 0.00 294,340.02 294,340.02 0.00 0.00 AF4 32,484,000.00 4.622000% 0.00 125,117.54 125,117.54 0.00 0.00 AF5 48,901,000.00 5.176000% 0.00 210,926.31 210,926.31 0.00 0.00 AF6 42,400,000.00 4.634000% 0.00 163,734.67 163,734.67 0.00 0.00 PF 100.00 0.000000% 0.00 711,~~179~~266.3214 711,~~179~~266.3214 0.00 0.00 CF ~~424~~423,~~000~~078,~~000~~594.00 0.000000% 0.00 0.00 0.00 0.00 0.00 1AV1 1,~~010~~004,~~990~~190,~~000~~226.0006 2.~~490630~~727500% 610,~~799~~699,~~773~~645.9417 12,~~958~~206,~~446~~359.0234 812,~~758~~906,~~219~~004.9652 0.00 0.00 2AV1 ~~204~~197,~~652~~611,~~000~~853.0046 2.~~330630~~567500% 7,~~040~~688,~~146~~417.5494 ~~370~~408,~~975~~713.1846 78,~~411~~097,~~121~~131.7240 0.00 0.00 2AV2 247,131,000.00 2.~~460630~~697500% 0.00 ~~472~~537,~~965~~012.0723 ~~472~~537,~~965~~012.0723 0.00 0.00 2AV3 52,097,000.00 2.~~640630~~877500% 0.00 ~~106~~120,~~998~~760.0312 ~~106~~120,~~998~~760.0312 0.00 0.00 PV 100.00 0.000000% 0.00 62119,~~025~~778.9723 62119,~~025~~778.9723 0.00 0.00 CV 1,~~876~~868,~~000~~572,~~000~~616.0040 0.000000% 0.00 0.00 0.00 0.00 0.00 Residual AR ~~100~~0.00 0.000000% ~~100~~0.00 0.00 ~~100~~0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate MF1 23,744,000.00 5.227000% 0.00 103,424.91 103,424.91 0.00 0.00 MF2 6,360,000.00 5.406000% 0.00 28,651.80 28,651.80 0.00 0.00 MF3 5,512,000.00 5.605000% 0.00 25,745.63 25,745.63 0.00 0.00 MF4 4,240,000.00 5.704000% 0.00 20,154.13 20,154.13 0.00 0.00 MF5 4,240,000.00 5.803000% 0.00 20,503.93 20,503.93 0.00 0.00 MF6 4,240,000.00 6.001000% 0.00 21,203.53 21,203.53 0.00 0.00 MF7 4,240,000.00 6.100000% 0.00 21,553.33 21,553.33 0.00 0.00 BF 4,240,000.00 6.100000% 0.00 21,553.33 21,553.33 0.00 0.00 MV1 88,172,000.00 23.~~780630~~017500% 0.00 ~~190~~214,~~690~~325.6631 ~~190~~214,~~690~~325.6631 0.00 0.00 MV2 63,784,000.00 23.~~810630~~047500% 0.00 ~~139~~156,~~434~~585.7329 ~~139~~156,~~434~~585.7329 0.00 0.00 MV3 43,148,000.00 23.~~840630~~077500% 0.00 95106,~~330~~968.2809 95106,~~330~~968.2809 0.00 0.00 MV4 34,706,000.00 3.~~130630~~367500% 0.00 8494,~~506~~147.8326 8494,~~506~~147.8326 0.00 0.00 MV5 29,078,000.00 3.~~180630~~417500% 0.00 7180,~~933~~051.8333 7180,~~933~~051.8333 0.00 0.00 MV6 34,706,000.00 3.~~380630~~617500% 0.00 91101,~~255~~136.2266 91101,~~255~~136.2266 0.00 0.00 MV7 26,264,000.00 34.~~880630~~117500% 0.00 7987,~~271~~114.7841 7987,~~271~~114.7841 0.00 0.00 MV8 22,512,000.00 34.~~980630~~217500% 0.00 6976,~~698~~482.1896 6976,~~698~~482.1896 0.00 0.00 BV 18,760,000.00 5.~~180630~~417500% 0.00 7581,~~591~~870.1546 7581,~~591~~870.1546 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 2,~~300~~284,~~000~~338,~~300~~586.0057 - 1520,~~661~~360,~~713~~819.4333 5,~~250~~806,~~567~~562.6956 2026,~~912~~167,~~281~~381.1289 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior AF1 ~~128~~126,~~819~~846,~~307~~550.0584 0.00 AF2 24,939,000.00 0.00 AF3 87,819,000.00 0.00 AF4 32,484,000.00 0.00 AF5 48,901,000.00 0.00 AF6 42,400,000.00 0.00 PF 100.00 0.00 CF ~~423~~421,~~078~~970,~~594~~661.0093 0.00 1AV1 1993,~~004~~490,~~190,226~~580.0689 0.00 2AV1 ~~197~~189,~~611~~923,~~853~~435.4652 0.00 2AV2 247,131,000.00 0.00 2AV3 52,097,000.00 0.00 PV 100.00 0.00 CV 1,~~868~~856,~~572~~088,~~616~~158.4086 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate MF1 23,744,000.00 0.00 MF2 6,360,000.00 0.00 MF3 5,512,000.00 0.00 MF4 4,240,000.00 0.00 MF5 4,240,000.00 0.00 MF6 4,240,000.00 0.00 MF7 4,240,000.00 0.00 BF 4,240,000.00 0.00 MV1 88,172,000.00 0.00 MV2 63,784,000.00 0.00 MV3 43,148,000.00 0.00 MV4 34,706,000.00 0.00 MV5 29,078,000.00 0.00 MV6 34,706,000.00 0.00 MV7 26,264,000.00 0.00 MV8 22,512,000.00 0.00 BV 18,760,000.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 2,~~284~~263,~~338~~977,~~586~~767.5724 - --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ Countrywide Home Loans Asset-Backed Securities, Series 2004-12 ------------------------------------------------------------

Class Information Current Payment Information Factors per $1,000 ------------------------------------------------------------------------------------------------------------------------ Beginning Pass Thru CUSIP Principal Interest Ending Cert./ Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal. ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Senior AF1 ~~130~~128,~~641~~819,~~000~~307.0005 2.~~380630~~617500% 126673MZ2 1315.~~944267~~100590 12.~~851601~~079140 ~~986~~970.~~055733~~955143 AF2 24,939,000.00 3.631000% 126673NA6 0.000000 3.025833 1,000.000000 AF3 87,819,000.00 4.022000% 126673NB4 0.000000 3.351667 1,000.000000 AF4 32,484,000.00 4.622000% 126673NC2 0.000000 3.851667 1,000.000000 AF5 48,901,000.00 5.176000% 126673ND0 0.000000 4.313333 1,000.000000 AF6 42,400,000.00 4.634000% 126673NE8 0.000000 3.861667 1,000.000000 PF 100.00 0.000000% 126673PD8 0.000000 71112,~~793~~661.~~200000~~400000 1,000.000000 CF ~~424~~423,~~000~~078,~~000~~594.00 0.000000% 126673PC0 0.000000 0.000000 ~~997~~995.~~827343~~214295 1AV1 1,~~010~~004,~~990~~190,~~000~~226.0006 2.~~490630~~727500% 126673NP3 610.~~725857~~583334 12.~~937157~~182375 ~~993~~982.~~274143~~690809 2AV1 ~~204~~197,~~652~~611,~~000~~853.0046 2.~~330630~~567500% 126673NQ1 3437.~~400575~~568252 1.~~812712~~997114 ~~965~~928.~~599425~~031173 2AV2 247,131,000.00 2.~~460630~~697500% 126673NR9 0.000000 12.~~913823~~172986 1,000.000000 2AV3 52,097,000.00 2.~~640630~~877500% 126673NS7 0.000000 2.~~053823~~317986 1,000.000000 PV 100.00 0.000000% 126673PF3 0.000000 ~~620~~1,~~259~~197,782.~~700000~~300000 1,000.000000 CV 1,~~876~~868,~~000~~572,~~000~~616.0040 0.000000% 126673PE6 0.000000 0.000000 ~~996~~989.~~040893~~386065 Residual AR ~~100~~0.00 0.000000% 126673PG1 ~~1,000~~0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate MF1 23,744,000.00 5.227000% 126673NF5 0.000000 4.355833 1,000.000000 MF2 6,360,000.00 5.406000% 126673NG3 0.000000 4.505000 1,000.000000 MF3 5,512,000.00 5.605000% 126673NH1 0.000000 4.670833 1,000.000000 MF4 4,240,000.00 5.704000% 126673NJ7 0.000000 4.753333 1,000.000000 MF5 4,240,000.00 5.803000% 126673NK4 0.000000 4.835833 1,000.000000 MF6 4,240,000.00 6.001000% 126673NL2 0.000000 5.000833 1,000.000000 MF7 4,240,000.00 6.100000% 126673NM0 0.000000 5.083333 1,000.000000 BF 4,240,000.00 6.100000% 126673NN8 0.000000 5.083333 1,000.000000 MV1 88,172,000.00 23.~~780630~~017500% 126673NT5 0.000000 2.~~162712~~430764 1,000.000000 MV2 63,784,000.00 23.~~810630~~047500% 126673NU2 0.000000 2.~~186046~~454931 1,000.000000 MV3 43,148,000.00 23.~~840630~~077500% 126673NV0 0.000000 2.~~209379~~479097 1,000.000000 MV4 34,706,000.00 3.~~130630~~367500% 126673NW8 0.000000 2.~~434934~~712708 1,000.000000 MV5 29,078,000.00 3.~~180630~~417500% 126673NX6 0.000000 2.~~473823~~752986 1,000.000000 MV6 34,706,000.00 3.~~380630~~617500% 126673NY4 0.000000 2.~~629379~~914097 1,000.000000 MV7 26,264,000.00 34.~~880630~~117500% 126673NZ1 0.000000 3.~~018268~~316875 1,000.000000 MV8 22,512,000.00 34.~~980630~~217500% 126673PA4 0.000000 3.~~096046~~397431 1,000.000000 BV 18,760,000.00 5.~~180630~~417500% 126673PB2 0.000000 4.~~029379~~364097 1,000.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 2,~~300~~284,~~000~~338,~~300~~586.0057 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Asset-Backed Securities, Series 2004-12 ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 421,970,661.93 1,241,086,352.35 615,001,806.51 Loan count 2313 7344 2656 Avg loan rate 6.944159% 6.988258% 7.251785% Prepay amount 649,256.61 6,460,464.10 4,413,659.28 Total ----- Prin balance 2,278,058,820.79 Loan count 12313 Avg loan rate 7.05 Prepay amount 11,523,379.99 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 176,220.64 515,840.32 256,613.46 Sub servicer fees 0.00 0.00 0.00 Trustee fees 3,173.09 9,362.63 4,651.66 Agg advances N/A N/A N/A Adv this period 2,384.47 12,966.64 28,893.00 Total ----- Master serv fees 948,674.42 Sub servicer fees 0.00 Trustee fees 17,187.38 Agg advances N/A Adv this period 44,244.11 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 8,480,000.00 25,040,000.00 12,480,000.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 46,000,000.00 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 81.703851% 100.000000% 1,866,392,586.57 ----------------------------------------------------------------------------- Junior 18.296149% 0.000000% 417,946,000.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 36 5,396,222.78 60 to 89 days 5 765,902.53 90 or more 0 0.00 Foreclosure 1 186,473.40 Totals: 42 6,348,598.71 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- REO INFORMATION -------------------------------------------------------------------------------- REO Date Loan Number Ending Stated Balance Book Value -------- ----------- --------------------- ---------- N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A N/A # 0 N/A Totals: 0 N/A Current Total Outstanding Balance: 0.00 Current Total Outstanding Number of Loans: 0 -------------------------------------------------------------------------------- OTHER INFORMATION -------------------------------------------------------------------------------- Amount/Withdrawal Total/Ending Bal. ----------------- ----------------- Available remittance amount 26,167,381.89 26,167,381.89 Principal remittance amount 20,360,819.33 20,360,819.33 Interest remittance amount 5,806,562.56 5,806,562.56

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