8-K 1 cwt0516_8k0507.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): July 25, 2005 CWT (Depositor) (Issuer in respect of Countrywide Alternative Loan Trust, Mortgage Pass-Through (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: July 25, 2005 CWT By: /s/ Maria Tokarz ------------------------------ Name: Maria Tokarz Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated July 25, 2005 Payment Date: 07/25/05 ------------------------------------------------------------ Countrywide Home Loans Countrywide Alternative Loan Trust, Mortgage Pass-Through Certificates, Series ------------------------------------------------------------

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 1A1 7473,~~505~~427,~~677~~643.8471 4.~~149000~~278000% 1715,~~078,034~~438.1317 ~~257~~261,~~603~~769.3855 1977,~~335,637~~207.5172 0.00 0.00 1A2 18,~~626~~356,~~419~~910.4693 3.~~410000~~634380% ~~269~~178,~~508~~859.5354 5851,~~223~~890.0821 ~~327~~230,~~731~~749.6176 0.00 0.00 1A3 7372,~~973~~902,~~210~~880.5982 3.~~340000~~564380% 1710,~~070,329~~325.7817 ~~226~~202,~~481~~108.3133 1912,~~296,811~~433.0950 0.00 0.00 1A4 ~~225~~222,~~503~~241,~~851~~001.5963 3.~~330000~~554380% 32,~~262~~165,~~849~~392.9686 ~~688~~614,~~350~~389.5120 32,~~951~~779,~~200~~782.4606 0.00 0.00 1A5 ~~124~~122,~~781~~975,~~115~~638.8365 3.~~370000~~594380% 1,~~805~~198,~~477~~206.1831 ~~385~~343,~~469~~794.6625 21,~~190~~542,~~946~~000.8556 0.00 0.00 1A6 7473,~~869~~785,~~265~~970.5561 3.~~410000~~634380% 1718,~~083,294~~929.9351 ~~234~~208,~~028~~573.8575 1927,~~317,323~~503.7826 0.00 0.00 1X 0.00 0.000000% 0.00 730,~~996~~163.1566 730,~~996~~163.1566 0.00 0.00 2X 0.00 0.000000% 0.00 ~~261~~629,~~368~~097.5272 ~~261~~629,~~368~~097.5272 0.00 0.00 M1 8,~~812~~810,~~774~~047.0309 3.~~520000~~744380% 21,~~726~~026.9424 2527,~~850~~490.8014 28,~~577~~516.7438 0.00 0.00 M2 7,~~833~~831,~~687~~263.8183 3.~~560000~~784380% ~~2,423~~912.98 23 24,~~239~~697.9407 25,~~663~~609.9229 0.00 0.00 M3 4,~~895~~893,~~431~~916.1031 3.~~610000~~834380% ~~1,514~~570.7907 1415,~~727~~637.0961 16,~~241~~207.8868 0.00 0.00 M4 10,~~770~~767,~~946~~613.4762 3.~~680000~~904380% 31,~~332~~254.8527 3335,~~030~~034.9005 36,~~363~~288.7632 0.00 0.00 M5 7,~~507~~505,~~325~~002.7475 4.~~040000~~264380% ~~2,322~~874.9922 2526,~~274~~670.6615 27,~~597~~544.6638 0.00 0.00 B1 2,610,~~896~~088.5970 4.~~277787~~770953% ~~807~~304.8904 1011,~~530~~015.6240 11,~~338~~319.5144 0.00 0.00 B2 2,~~938~~937,~~256~~347.7152 4.~~277787~~770953% ~~909~~342.1916 1213,~~463~~008.1148 13,~~372~~350.2964 0.00 0.00 B3 5,~~221~~220,~~793~~177.1739 4.~~277787~~770953% ~~1,615~~608.7808 2223,~~149~~118.1134 23,~~764~~726.8941 0.00 0.00 B4 4,~~243~~242,~~705~~391.0087 4.~~277787~~770953% ~~1,313~~494.1318 18,~~000~~788.3807 19,~~313~~282.5125 0.00 0.00 B5 2,937,~~981~~072.2516 4.~~277787~~770953% ~~909~~342.0911 1213,~~461~~007.9426 13,~~371~~349.0238 0.00 0.00 Residual AR 0.00 4.~~277787~~770953% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~650~~641,~~032~~444,~~338~~967.7460 - 85,~~587~~693,~~371~~879.1416 2,~~317~~550,~~250~~253.0025 108,~~904~~244,~~621~~132.1441 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 7372,~~427~~712,~~643~~205.7154 0.00 1A2 18,~~356~~178,~~910~~051.9339 0.00 1A3 72,~~902~~192,~~880~~555.8265 0.00 1A4 ~~222~~220,~~241~~075,~~001~~608.6377 0.00 1A5 ~~122~~121,~~975~~777,~~638~~432.6534 0.00 1A6 73,~~785~~067,~~970~~041.6110 0.00 1X 0.00 0.00 2X 0.00 07,583.0067 M1 8,~~810~~809,~~047~~020.0985 0.00 M2 7,~~831~~830,~~263~~351.8360 0.00 M3 4,893,~~916~~346.3124 0.00 M4 10,~~767~~766,~~613~~359.6235 0.00 M5 7,~~505~~504,~~002~~128.7552 0.00 B1 2,~~610~~609,~~088~~784.7066 0.00 B2 2,937,~~347~~005.5237 0.00 B3 5,~~220~~219,~~177~~569.3932 0.00 B4 4,~~242~~241,~~391~~897.8770 0.00 B5 2,~~937~~936,~~072~~730.1605 0.00 Residual AR 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~641~~635,~~444~~751,~~967~~088.6044 -7,583.67 --------------------------------------------------------------------------------

Payment Date: 07/25/05 ------------------------------------------------------------ Countrywide Home Loans Countrywide Alternative Loan Trust, Mortgage Pass-Through Certificates, Series ------------------------------------------------------------

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 1A1 7473,~~505~~427,~~677~~643.8471 4.~~149000~~278000% 12667GMC4 149.~~373788~~539176 3.~~434712~~490261 ~~979~~969.~~035249~~496074 1A2 18,~~626~~356,~~419~~910.4693 3.~~410000~~634380% 12667GMD2 149.~~373788~~539176 32.~~105231~~767478 ~~979~~969.~~035249~~496074 1A3 7372,~~973~~902,~~210~~880.5982 3.~~340000~~564380% 12667GME0 149.~~373788~~539176 32.~~041487~~714175 ~~979~~969.~~035249~~496074 1A4 ~~225~~222,~~503~~241,~~851~~001.5963 3.~~330000~~554380% 12667GMF7 149.~~373788~~539176 32.~~032381~~706560 ~~979~~969.~~035249~~496074 1A5 ~~124~~122,~~781~~975,~~115~~638.8365 3.~~370000~~594380% 12667GMG5 149.~~373788~~539176 32.~~068806~~737019 ~~979~~969.~~035249~~496074 1A6 7473,~~869~~785,~~265~~970.5561 3.~~410000~~634380% 12667GMH3 149.~~373788~~539176 32.~~105231~~767478 ~~979~~969.~~035249~~496074 1X 0.00 0.000000% 12667GMJ9 0.000000 0.000000 0.000000 2X 0.00 0.000000% 12667GMK6 0.000000 0.000000 0.000000 M1 8,~~812~~810,~~774~~047.0309 3.~~520000~~744380% 12667GMM2 0.~~308826~~116222 23.~~927611~~113266 997.~~740328~~624105 M2 7,~~833~~831,~~687~~263.8183 3.~~560000~~784380% 12667GMN0 0.~~308826~~116222 23.~~960879~~146524 997.~~740328~~624105 M3 4,~~895~~893,~~431~~916.1031 3.~~610000~~834380% 12667GMP5 0.~~308826~~116222 3.~~002465~~188096 997.~~740328~~624105 M4 10,~~770~~767,~~946~~613.4762 3.~~680000~~904380% 12667GMQ3 0.~~308826~~116222 3.~~060684~~246298 997.~~740328~~624105 M5 7,~~507~~505,~~325~~002.7475 4.~~040000~~264380% 12667GMR1 0.~~308826~~116222 3.~~360099~~545620 997.~~740328~~624105 B1 2,610,~~896~~088.5970 4.~~277787~~770953% 12667GMS9 0.~~308826~~116222 4.~~025465~~210780 997.~~740328~~624105 B2 2,~~938~~937,~~256~~347.7152 4.~~277787~~770953% 12667GMT7 0.~~308826~~116222 4.~~233392~~418643 997.~~740328~~624105 B3 5,~~221~~220,~~793~~177.1739 4.~~277787~~770953% 12667GMU4 0.~~308826~~116222 4.~~233392~~418643 997.~~740328~~624105 B4 4,~~243~~242,~~705~~391.0087 4.~~277787~~770953% 12667GMV2 0.~~308826~~116222 4.~~233392~~418643 997.~~740328~~624105 B5 2,937,~~981~~072.2516 4.~~277787~~770953% 12667GMW0 0.~~308822~~116217 4.~~233392~~418643 997.~~740333~~624116 Residual AR 0.00 4.~~277787~~770953% 12667GML4 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~650~~641,~~032~~444,~~338~~967.7460 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ Countrywide Home Loans Countrywide Alternative Loan Trust, Mortgage Pass-Through Certificates, Series ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 635,751,088.51 635,751,088.51 Loan count 1761 1761 Avg loan rate 5.160151% 5.16 Prepay amount 6,330,251.82 6,330,251.82 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 198,065.64 198,065.64 Sub servicer fees 0.00 0.00 Trustee fees 4,810.84 4,810.84 Agg advances N/A N/A Adv this period 33,229.68 33,229.68 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 Fraud 13,081,496.48 13,081,496.48 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 641,444,967.60 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 21 8,109,879.63 60 to 89 days 4 1,867,816.88 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 25 9,977,696.51 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 8,244,132.41 8,244,132.41 Principal remittance amount 5,693,879.16 5,693,879.16 Interest remittance amount 2,550,253.25 2,550,253.25

Filing Compare · Alternative Loan Trust 2005-16