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, 1999
CENTEX HOME EQUITY CORPORATION
Home Equity Loan Asset-Backed Certs., Series 1999-1 Trust
New York (governing law of 333-54027 52-2154821
Pooling and Servicing Agreement) (Commission 52-2154845
(State or other File Number) IRS EIN
jurisdiction
c/o Norwest Bank Minnesota, N.A.
11000 Broken Land Parkway 21044
Columbia, MD (Zip Code)
(Address of principal executive offices)
Registrant's telephone number, including area code: (410) 884-2000
Former name or former address, if changed since last report)
ITEM 5. Other Events
On December 27, 1999 a distribution was made to holders of CENTEX HOME
EQUITY CORPORATION, Home Equity Loan Asset-Backed Certs., Series 1999-1
Trust.
ITEM 7. Financial Statements and Exhibits
(c) Exhibits furnished in accordance with Item 601(a) of
Regulation S-K
Exhibit Number Description
Monthly report distributed to holders of
EX-99.1 Home Equity Loan Asset-Backed Certs.,
Series 1999-1 Trust, relating to the
December 27, 1999 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.
CENTEX HOME EQUITY CORPORATION
Home Equity Loan Asset-Backed Certs., Series 1999-1 Trust
By: Norwest Bank Minnesota, N.A., as Trustee
By: /s/ Sherri J. Sharps, Vice President
By: Sherri J. Sharps, Vice President
Date: 12/28/99
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Home Equity Loan
Asset-Backed Certs., Series 1999-1 Trust, relating to the
December 27, 1999 distribution.
<TABLE>
<CAPTION>
Centex Home Equity Corporation
Mortgage Pass-Through Certificates
Record Date: 11/30/99
Distribution Date: 12/27/99
CHEC Series: 1999-1
Contact: Customer Service - CTSLink
Norwest Bank Minnesota, N.A.
Securities Administration Services
7485 New Horizon Way
Frederick, MD 21703
Telephone: (301) 815-6600
Fax: (301) 846-8152
Certificateholder Distribution Summary
Certificate Certificate Beginning
Class Pass-Through Certificate Interest Principal
Class CUSIP Description Rate Balance Distribution Distribution
<S> <C> <C> <C> <C> <C> <C>
A-1 152314AW0 SEQ 6.07000% 42,716,020.49 216,071.87 3,193,085.49
A-2 152314AX8 SEQ 6.04500% 20,000,000.00 100,750.00 0.00
A-3 152314AY6 SEQ 6.24000% 33,000,000.00 171,600.00 0.00
A-4 152314AZ3 SEQ 6.39000% 27,000,000.00 143,775.00 0.00
A-5 152314BA7 SEQ 6.83500% 19,267,000.00 109,741.62 0.00
A-6 152314BB5 SEQ 6.45000% 18,000,000.00 96,750.00 0.00
A-7 152314BC3 SEQ 5.91000% 45,018,484.07 229,106.57 1,317,109.41
A-8 152314BD1 SEQ 6.00000% 20,000,000.00 100,000.00 0.00
X-IO CTX991XIO SEQ 0.00000% 0.00 860,150.83 0.00
R-1 CTX9901R1 SEQ 0.00000% 0.00 0.00 0.00
R-2 CTX9901R2 SEQ 0.00000% 0.00 0.00 0.00
MBIA CTX9901FS SUB 1,200.00000% 0.00 28,125.00 0.00
Totals 225,001,504.56 2,056,070.89 4,510,194.90
</TABLE>
<TABLE>
<CAPTION>
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<S> <C> <C> <C> <C>
A-1 0.00 39,522,935.00 3,409,157.36 0.00
A-2 0.00 20,000,000.00 100,750.00 0.00
A-3 0.00 33,000,000.00 171,600.00 0.00
A-4 0.00 27,000,000.00 143,775.00 0.00
A-5 0.00 19,267,000.00 109,741.62 0.00
A-6 0.00 18,000,000.00 96,750.00 0.00
A-7 0.00 43,701,374.66 1,546,215.98 0.00
A-8 0.00 20,000,000.00 100,000.00 0.00
X-IO 0.00 0.00 860,150.83 0.00
R-1 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00
MBIA 0.00 0.00 28,125.00 0.00
Totals 0.00 220,491,309.66 6,566,265.79 0.00
<FN>
All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal Realized
Class Amount Balance Distribution Distribution Accretion Loss (1)
<S> <C> <C> <C> <C> <C> <C>
A-1 65,000,000.00 42,716,020.49 140,408.04 3,052,677.45 0.00 0.00
A-2 20,000,000.00 20,000,000.00 0.00 0.00 0.00 0.00
A-3 33,000,000.00 33,000,000.00 0.00 0.00 0.00 0.00
A-4 27,000,000.00 27,000,000.00 0.00 0.00 0.00 0.00
A-5 19,267,000.00 19,267,000.00 0.00 0.00 0.00 0.00
A-6 18,000,000.00 18,000,000.00 0.00 0.00 0.00 0.00
A-7 58,863,000.00 45,018,484.07 23,488.26 1,293,621.15 0.00 0.00
A-8 20,000,000.00 20,000,000.00 0.00 0.00 0.00 0.00
X-IO 0.00 0.00 0.00 0.00 0.00 0.00
R-1 0.00 0.00 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00 0.00 0.00
MBIA 0.00 0.00 0.00 0.00 0.00 0.00
Totals 261,130,000.00 225,001,504.56 163,896.30 4,346,298.60 0.00 0.00
<FN>
(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.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Statement (continued)
Total Ending Ending Total
Principal Certificate Certificate Principal
Class Reduction Balance Percentage Distribution
<S> <C> <C> <C> <C>
A-1 3,193,085.49 39,522,935.00 0.60804515 3,193,085.49
A-2 0.00 20,000,000.00 1.00000000 0.00
A-3 0.00 33,000,000.00 1.00000000 0.00
A-4 0.00 27,000,000.00 1.00000000 0.00
A-5 0.00 19,267,000.00 1.00000000 0.00
A-6 0.00 18,000,000.00 1.00000000 0.00
A-7 1,317,109.41 43,701,374.66 0.74242520 1,317,109.41
A-8 0.00 20,000,000.00 1.00000000 0.00
X-IO 0.00 0.00 0.00000000 0.00
R-1 0.00 0.00 0.00000000 0.00
R-2 0.00 0.00 0.00000000 0.00
MBIA 0.00 0.00 0.00000000 0.00
Totals 4,510,194.90 220,491,309.66 0.84437372 4,510,194.90
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
<S> <C> <C> <C> <C> <C>
A-1 65,000,000.00 657.16954600 2.16012369 46.96426846 0.00000000
A-2 20,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A-3 33,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A-4 27,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A-5 19,267,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A-6 18,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A-7 58,863,000.00 764.80104769 0.39903267 21.97681311 0.00000000
A-8 20,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
X-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
R-1 0.00 0.00000000 0.00000000 0.00000000 0.00000000
R-2 0.00 0.00000000 0.00000000 0.00000000 0.00000000
MBIA 0.00 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(2) All Classes are per $1,000 denomination
</FN>
</TABLE>
<TABLE>
<CAPTION>
Principal Distribution Factors Statement (continued)
Total Ending Ending Total
Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
<S> <C> <C> <C> <C> <C>
A-1 0.00000000 49.12439215 608.04515385 0.60804515 49.12439215
A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A-6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A-7 0.00000000 22.37584578 742.42520191 0.74242520 22.37584578
A-8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
X-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
MBIA 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
<FN>
(3) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses
Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
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
<S> <C> <C> <C> <C> <C> <C>
A-1 65,000,000.00 6.07000% 42,716,020.49 216,071.87 0.00 0.00
A-2 20,000,000.00 6.04500% 20,000,000.00 100,750.00 0.00 0.00
A-3 33,000,000.00 6.24000% 33,000,000.00 171,600.00 0.00 0.00
A-4 27,000,000.00 6.39000% 27,000,000.00 143,775.00 0.00 0.00
A-5 19,267,000.00 6.83500% 19,267,000.00 109,741.62 0.00 0.00
A-6 18,000,000.00 6.45000% 18,000,000.00 96,750.00 0.00 0.00
A-7 58,863,000.00 5.91000% 45,018,484.07 229,106.57 0.00 0.00
A-8 20,000,000.00 6.00000% 20,000,000.00 100,000.00 0.00 0.00
X-IO 0.00 0.00000% 0.00 0.00 0.00 0.00
R-1 0.00 0.00000% 0.00 0.00 0.00 0.00
R-2 0.00 0.00000% 0.00 0.00 0.00 0.00
MBIA 0.00 1,200.00000% 0.00 28,125.00 0.00 0.00
Totals 261,130,000.00 1,195,920.06 0.00 0.00
</TABLE>
<TABLE>
<CAPTION>
Interest Distribution Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (4) Distribution Shortfall Balance
<S> <C> <C> <C> <C> <C>
A-1 0.00 0.00 216,071.87 0.00 39,522,935.00
A-2 0.00 0.00 100,750.00 0.00 20,000,000.00
A-3 0.00 0.00 171,600.00 0.00 33,000,000.00
A-4 0.00 0.00 143,775.00 0.00 27,000,000.00
A-5 0.00 0.00 109,741.62 0.00 19,267,000.00
A-6 0.00 0.00 96,750.00 0.00 18,000,000.00
A-7 0.00 0.00 229,106.57 0.00 43,701,374.66
A-8 0.00 0.00 100,000.00 0.00 20,000,000.00
X-IO 0.00 0.00 860,150.83 0.00 0.00
R-1 0.00 0.00 0.00 0.00 0.00
R-2 0.00 0.00 0.00 0.00 0.00
MBIA 0.00 0.00 28,125.00 0.00 0.00
Totals 0.00 0.00 2,056,070.89 0.00
<FN>
(4) Amount Does Not Include Excess Special Hazard, Bankrupcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
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
<S> <C> <C> <C> <C> <C> <C>
A-1 65,000,000.00 6.07000% 657.16954600 3.32418262 0.00000000 0.00000000
A-2 20,000,000.00 6.04500% 1000.00000000 5.03750000 0.00000000 0.00000000
A-3 33,000,000.00 6.24000% 1000.00000000 5.20000000 0.00000000 0.00000000
A-4 27,000,000.00 6.39000% 1000.00000000 5.32500000 0.00000000 0.00000000
A-5 19,267,000.00 6.83500% 1000.00000000 5.69583329 0.00000000 0.00000000
A-6 18,000,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000
A-7 58,863,000.00 5.91000% 764.80104769 3.89220002 0.00000000 0.00000000
A-8 20,000,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
X-IO 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
R-1 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
R-2 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000
MBIA 0.00 1,200.00000% 0.00000000 861.64639564 0.00000000 0.00000000
<FN>
(5) All Classes are per $1,000 denomination
</FN>
</TABLE>
<TABLE>
<CAPTION>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<S> <C> <C> <C> <C> <C>
A-1 0.00000000 0.00000000 3.32418262 0.00000000 608.04515385
A-2 0.00000000 0.00000000 5.03750000 0.00000000 1000.00000000
A-3 0.00000000 0.00000000 5.20000000 0.00000000 1000.00000000
A-4 0.00000000 0.00000000 5.32500000 0.00000000 1000.00000000
A-5 0.00000000 0.00000000 5.69583329 0.00000000 1000.00000000
A-6 0.00000000 0.00000000 5.37500000 0.00000000 1000.00000000
A-7 0.00000000 0.00000000 3.89220002 0.00000000 742.42520191
A-8 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
X-IO 0.00000000 0.00000000 3.29377373 0.00000000 0.00000000
R-1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
R-2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
MBIA 0.00000000 0.00000000 861.64639564 0.00000000 0.00000000
<FN>
(6) Amount Does Not Include Excess Special Hazard, Bankrupcy,or Fraud Losses Unless
Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Certificateholder Component Statement
Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Class Rate Balance Balance Balance Balance Percentage
<S> <C> <C> <C> <C> <C> <C>
OC 0.00000% 7,258,472.30 7,258,472.30 7,258,472.30 7,258,472.30 50,119.22946526%
MBIA_REIMB1 0.00000% 0.00 0.00 0.00 0.00 0.00000000%
MBIA_REIMB2 0.00000% 0.00 0.00 0.00 0.00 0.00000000%
</TABLE>
<TABLE>
<CAPTION>
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<S> <C>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 6,515,925.26
Liquidations, Insurance Proceeds, Reserve Funds 0.00
Proceeds from Repurchased Loans 0.00
Other Amounts (Servicer Advances) 148,083.25
Realized Losses 0.00
Total Deposits 6,664,008.51
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 97,742.72
Payment of Interest and Principal 6,566,265.79
Total Withdrawals (Pool Distribution Amount) 6,664,008.51
Ending Balance 0.00
</TABLE>
<TABLE>
<CAPTION>
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL
<S> <C>
Total Prepayment/Curtailment Interest Shortfall 0.00
Servicing Fee Support 0.00
Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
</TABLE>
<TABLE>
<CAPTION>
SERVICING FEES
<S> <C>
Gross Servicing Fee 96,774.98
Pool Insurance Fee 0.00
Trustee Fee - Norwest Bank 967.74
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 97,742.72
</TABLE>
<TABLE>
<CAPTION>
OTHER ACCOUNTS
Beginning Current Current Ending
Account Type Balance Withdrawals Deposits Balance
<S> <C> <C> <C> <C>
Financial Guaranty 0.00 0.00 0.00 0.00
Financial Guaranty 0.00 0.00 0.00 0.00
</TABLE>
<TABLE>
<CAPTION> CERTIFICATEHOLDER DELINQUENCY/CREDIT ENHANCEMENT STATEMENT
DELINQUENCY STATUS
Percentage Delinquent
Based On
Current Unpaid
Number Principal Number Unpaid
Of Loans Balance Of Loans Balance
<S> <C> <C> <C> <C>
30 Days 86 5,447,478.55 2.650231% 2.391870%
60 Days 28 1,339,417.15 0.862866% 0.588109%
90+ Days 24 1,450,278.94 0.739599% 0.636786%
Foreclosure 87 6,378,680.05 2.681048% 2.800740%
REO 20 1,161,196.44 0.616333% 0.509856%
Totals 245 15,777,051.13 7.550077% 6.927362%
</TABLE>
<TABLE>
<CAPTION>
OTHER INFORMATION
<S> <C>
Current Period Realized Loss - Includes Interest Shortfall 0.00
Cumulative Realized Losses - Includes Interest Shortfall 113,928.70
Principal Balance of Contaminated Properties 0.00
Periodic Advance 148,083.25
</TABLE>
<TABLE>
<S> <C> <C> <C> <C> <C> <C>
Class FSA 0.00 0.00000000% 0.00 0.00000000% 0.000000% 0.000000%
<FN>
Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure
</FN>
</TABLE>
<TABLE>
<CAPTION>
COLLATERAL STATEMENT
<S> <C>
Collateral Description Fixed Mixed & 6 Month LIBOR
Weighted Average Gross Coupon 11.127945%
Weighted Average Net Coupon 10.627945%
Weighted Average Pass-Through Rate 10.622945%
Weighted Average Maturity(Stepdown Calculation ) 348
Beginning Scheduled Collateral Loan Count 3,308
Number Of Loans Paid In Full 63
Ending Scheduled Collateral Loan Count 3,245
Beginning Scheduled Collateral Balance 232,259,976.86
Ending Scheduled Collateral Balance 227,749,781.96
Ending Actual Collateral Balance at 30-Nov-1999 227,749,781.96
Monthly P &I Constant 2,317,709.93
Ending Scheduled Balance for Premium Loans 227,749,781.96
</TABLE>
<TABLE>
<CAPTION>
<S> <C>
Largest Loan Balance - Group 1 745,272.78
Largest Loan Balance - Group 2 475,709.88
Number and Balance of Balloon Loans - 0 0.00
Group 1
Number and Balance of Balloon Loans - 0 0.00
Group 2
Annual Loss Percentage - Group 1 0.02894%
Annual Loss Percentage - Group 2 0.07758%
90+ Delinquency Percentage - Group 1 3.471705%
90+ Delinquency Percentage - Group 2 5.085474%
</TABLE>
<TABLE>
<CAPTION>
Group Level Collateral Statement
<S> <C>
Group ID 1 2 Total
Collateral Description Mixed Fixed Mixed ARM
Weighted Average Coupon Rate 11.083744 11.233728
Weighted Average Net Rate 10.578744 10.728728
Weighted Average Maturity 310.00 348.00
Beginning Loan Count 2,616 692 3,308
Loans Paid In Full 48 15 63
Ending Loan Count 2,568 677 3,245
Beginning Scheduled Balance 163,810,912.33 68,449,064.53 232,259,976.86
Ending scheduled Balance 160,617,826.84 67,131,955.12 227,749,781.96
Record Date 11/30/99 11/30/99
Principal And Interest Constant 1,653,439.84 664,270.09 2,317,709.93
Scheduled Principal 140,408.04 23,488.26 163,896.30
Unscheduled Principal 3,052,677.45 1,293,621.15 4,346,298.60
Scheduled Interest 1,513,031.80 640,781.83 2,153,813.63
Servicing Fees 68,254.54 28,520.44 96,774.98
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 0.00 0.00 0.00
FRY Amount 0.00 0.00 0.00
Special Hazard Fee 0.00 0.00 0.00
Other Fee 682.54 285.20 967.74
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 1,444,094.72 611,976.19 2,056,070.91
Realized Loss Amount 0.00 0.00 0.00
Cumulative Realized Loss 52,743.30 61,185.40 113,928.70
Percentage of Cummulative Losses 0.00 0.00 0.00
Group ID 1 2 Total
Subordinate Amount 3,827,891.84 3,430,580.46 7,258,472.30
Subordinate Reduction Amount 0.00 0.00 0.00
Required Subordinate Amount 3,827,891.84 3,430,580.46 7,258,472.30
Subordinate Increase Amount 0.00 0.00 0.00
Extra Principal Distribution Amount 0.00 0.00 0.00
Excess Cash Amount 585,408.22 274,742.61 860,150.83
</TABLE>
<TABLE>
<CAPTION> Delinquency Status By Groups
<S> <C> <C> <C> <C> <C> <C>
Group 30 Days 60 Days 90 + Days Foreclosure REO Bankruptcy
1 Principal Balance 3,146,708.52 986,919.10 1,031,314.30 3,700,490.76 844,372.33 1,971,210.51
Percentage Of Balance 1.959% 0.614% 0.642% 2.304% 0.526% 1.227%
Loan Count 63 23 17 59 16 33
Percentage Of Loans 2.453% 0.896% 0.662% 2.298% 0.623% 1.285%
2 Principal Balance 2,300,770.03 352,498.05 418,964.64 2,678,189.29 316,824.11 1,227,602.09
Percentage Of Balance 3.427% 0.525% 0.624% 3.989% 0.472% 1.829%
Loan Count 23 5 7 28 4 14
Percentage Of Loans 3.397% 0.739% 1.034% 4.136% 0.591% 2.068%
Totals:Principal Balance 5,447,478.55 1,339,417.15 1,450,278.94 6,378,680.05 1,161,196.44 3,198,812.60
Percentage of Balance 2.392% 0.588% 0.637% 2.801% 0.510% 1.405%
Loan Count 86 28 24 87 20 47
Percentage Of Loans 2.650% 0.863% 0.740% 2.681% 0.616% 1.448%
</TABLE>