Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2005-11 – ‘10-K’ for 12/31/05

On:  Thursday, 3/30/06, at 12:39pm ET   ·   For:  12/31/05   ·   Accession #:  1056404-6-1449   ·   File #:  333-118843-42

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Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                         11±    47K 

Document Table of Contents

           UNITED STATES
            SECURITIES AND EXCHANGE COMMISSION
            WASHINGTON, D.C. 20549

             FORM 10-K

(Mark one)                                                                  

/X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES         
EXCHANGE ACT OF 1934                                                
For the fiscal year ended December 31, 2005                         

OR                                                                  

/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES     
EXCHANGE ACT OF 1934                                                

Commission File Number:  333-118843-42                              

Banc of America Alternative Loan Trust 2005-11                  
Mortgage Pass-Through Certificates                              
Series 2005-11                                                  

(Exact name of registrant as specified in its charter)                

New York                                          54-2188572                
(State or other jurisdiction of                   54-2188573                
incorporation or organization)                    54-2188574                
                                  54-6688641
                                        (I.R.S. Employer
                                           Identification No.)

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          

Securities registered pursuant to Section 12(b) of the Act:                 

NONE.                                                           

Securities registered pursuant to Section 12(g) of the Act:                 

NONE.                                                           

Indicate by check mark if the registrant is a well-known seasoned issuer,   
as defined in Rule 405 of the Securities Act.                               

Yes  ___     No  X                                              

Indicate by check mark if the registrant is not required to file reports    
pursuant to Section 13 or Section 15(d) of the Act.                         

Yes  ___     No  X                                              

Indicate by check mark whether the registrant (1) has filed all reports     
required to be filed by Section 13 or 15(d) of the Securities Exchange      
Act of 1934 during the preceding 12 months (or for such shorter period      
that the registrant was required to file such reports), and (2) has been    
subject to such filing requirements for the past 90 days.                   

Yes  X       No  ___                                            

Indicate by check mark if disclosure of delinquent filers pursuant to       
Item 405 of Regulation S-K ( 229.405 of this chapter) is not contained      
herein, and will not be contained, to the best of registrant's knowledge,   
in definitive proxy or information statements incorporated by reference     
in Part III of this Form 10-K or any amendment to this Form 10-K.           

Not applicable.                                                 

Indicate by check mark whether the registrant is a large accelerated filer, 
an accelerated filer, or a non-accelerated filer. See Definition of         
"accelerated filer and large accelerated filer" in Rule 12b-2 of the        
Exchange Act. (Check One):                                                  

Large Accelerated Filer ___  Accelerated Filer ___  Non-Accelerated Filer X 

Indicate by check mark whether the registrant is a shell company (as        
defined in Rule 12b-2 of the Act).                                          

Yes  ___     No  X                                              

State the aggregate market value of the voting and non-voting common        
equity held by non-affiliates computed by reference to the price at which   
the common equity was last sold, or the average bid and asked price of      
such common equity, as of the last business day of the registrant's most    
recently completed second fiscal quarter.                                   

Not applicable.                                                 

Documents Incorporated by Reference                                   

List hereunder the following documents if incorporated by reference and     
the Part of the Form 10-K (e.g. Part I, Part II, etc.) into which the       
document is incorporated: (1)Any annual report to security holders; (2)     
Any proxy or information statement; and (3)Any prospectus filed pursuant    
to Rule 424(b) or (c) under the Securities Act of 1933. The listed          
documents should be clearly described for identification purposes (e.g.     
annual report to security holders for fiscal year ended December 24, 1980). 

Not applicable.                                                 

Introductory Note                                                     

This Annual Report on Form 10-K is prepared in reliance on the no-action    
letter dated March 26, 1993 issued by the Securities and Exchange Commission
to Nomura Asset Securities Corporation.                                     

PART I    
Item 1.  Business.                                                          

Not applicable.                                         

Item 1A.  Risk Factors.                                                     

Not applicable.                                         

Item 1B.  Unresolved Staff Comments.                                        

Not applicable.                                         

Item 2.  Properties.                                                        

Not applicable.                                         

Item 3.  Legal Proceedings.                                                 

     The registrant knows of no material pending legal proceedings
   involving the trust created under the Pooling and Servicing
Agreement (the Trust), the Trustee, the Servicer or the 
registrant with respect to the Trust other than routine 
      litigation incidental to the duties of the respective parties.

Item 4.  Submission of Matters to a Vote of Security Holders.               

None.                                                   

PART II         

Item 5.  Market for Registrant's Common Equity, Related Stockholder         
Matters and Issuer Purchases of Equity Securities.        

         No established public trading market for the Certificates exists.

Records provided to the Trust by the DTC and the Trustee
          indicate that as of December 31, 2005, the total number of holders
of record for the Series of Certificates is 17.         

Item 6.  Selected Financial Data.                                           

Not applicable.                                         

Item 7.  Management's Discussion and Analysis of Financial Condition and    
Results of Operation.                                     

Not applicable.                                         

Item 7A. Quantitative and Qualitative Disclosures about Market Risk.        

Not applicable.                                         

Item 8.  Financial Statements and Supplementary Data.                       

Omitted.                                                

Item 9.  Changes in and Disagreements with Accountants on Accounting and    
Financial Disclosure.                                     

None.                                                   

Item 9A. Controls and Procedures.                                           
Not applicable.                                         

Item 9B. Other Information.                                                 

None.                                                   

PART III        

Item 10. Directors and Executive Officers of the Registrant.                

Not applicable.                                         

Item 11. Executive Compensation.                                            

Not applicable.                                         

Item 12. Security Ownership of Certain Beneficial Owners and Management     
and Related Stockholder Matters.                          

Not applicable.                                         

Item 13. Certain Relationships and Related Transactions.                    

Not applicable.                                         

Item 14. Principal Accounting Fees and Services.                            

Not applicable.                                         

PART IV         

Item 15. Exhibits, Financial Statement Schedules.                           

(a) The following is a list of documents filed as part of this Annual     
Report on Form 10-K:                                              

(4.1) Pooling and Servicing Agreement (filed as an exhibit to   
Form 8-K on December 14, 2005).                     

(31.1) Rule 13a-14(a)/15d-14(a) Certification                   

(99.1) Annual Independent Accountants' Servicing Report concerning      
servicing activities for the year ended December 31, 2005.

                                                                      [Download Table]
                                                          

                                                          
a) Bank of America, National Association, as Servicer <F1>

                                                                          
(99.2) Report of Management as to Compliance with Minimum Servicing     
Standards for the year ended December 31, 2005.           

                                                                      [Download Table]
                                                          

                                                          
a) Bank of America, National Association, as Servicer <F1>

                                                                          
(99.3) Annual Statement of Compliance under the Pooling and Servicing   
Agreement for the year ended December 31, 2005.           

                                                                      [Download Table]
                                                          

                                                          
a) Bank of America, National Association, as Servicer <F1>

                                                                          
 (99.4) Schedule of Year-to-Date Principal and Interest Distributions to
Certificateholders.                                     

Not Applicable.                                         

 (b) The exhibits required to be filed by Registrant pursuant to Item 601 of
       Regulation S-K are listed above and in the Exhibit Index that immediately
follows the signature page hereof.                                

(c) Not Applicable.                                                       

<F1> Filed herewith.                                                        

SIGNATURES      

Pursuant to the requirements of Section 13 or 15(d) 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:         

Banc of America Alternative Loan Trust 2005-11                          
Mortgage Pass-Through Certificates                                      
Series 2005-11                                                          
(Registrant)                                                            

Signed: Bank of America, National  Association, as Servicer                 

By:     Robert Caruso, Senior Vice President                                

By: /s/ Robert Caruso, Senior Vice President                                

Dated:  March 29, 2006                                                      

Exhibit Index                                                               

Exhibit No.                                                                 

(4.1)  Pooling and Servicing Agreement (filed as an exhibit to        
Form 8-K on December 14, 2005).                         

(31.1) Rule 13a-14(a)/15d-14(a) Certification                         

(99.1) Annual Independent Accountants' Servicing Report concerning    
  servicing activities for the year ended December 31, 2005.

                                                                      [Download Table]
                                                          

                                                          
a) Bank of America, National Association, as Servicer <F1>

                                                                          
(99.2) Report of Management as to Compliance with Minimum Servicing   
Standards for the year ended December 31, 2005.         

                                                                      [Download Table]
                                                          

                                                          
a) Bank of America, National Association, as Servicer <F1>

                                                                          
(99.3) Annual Statement of Compliance under the Pooling and Servicing 
Agreement for the year ended December 31, 2005.         

                                                                      [Download Table]
                                                          

                                                          
a) Bank of America, National Association, as Servicer <F1>

                                                                          
 (99.4) Schedule of Year-to-Date Principal and Interest Distributions to
Certificateholders.                                     

Ex-31.1 Rule 13a-14(a)/15d-14(a) Certification                              

Certification           

I, Robert Caruso, a Senior Vice President of Bank of America, N.A.          
(the "Servicer"), certify that:                                             

1. I have reviewed this annual report on Form 10-K, and all monthly         
current reports on Form 8-K containing distribution or servicing      
reports filed in respect of periods included in the year covered      
by this annual report of the Banc of America Alternative Loan         
Trust 2005-11 formed pursuant to the Pooling and Servicing Agreement, 
dated November 29, 2005, among Banc of America Mortgage Securities,   
Inc., Bank of America, National Association and Wells Fargo Bank,     
N.A. (the Agreement);                                                 

2. Based on my knowledge, the information in these reports, taken as a      
whole, does not contain any untrue statement of a material fact or    
omit to state a material fact necessary to make the statements made,  
in light of the circumstances under which such statements were made,  
not misleading as of the last day of the period covered by this       
annual report;                                                        

3. Based on my knowledge, the distribution or servicing information         
required to be provided to the trustee by the servicer under the      
 Agreement, for inclusion in these reports is included in these reports;

4. I am responsible for reviewing the activities performed by the           
Servicer under the Agreement and based upon my knowledge and the      
annual compliance review required under the Agreement, and except as  
disclosed in the reports, the servicer has fulfilled its obligations  
under the Agreement;                                                  

5. The reports disclose all significant deficiencies relating to the        
servicer's compliance with the minimum servicing standards based upon 
the report provided by an independent public accountant, after        
conducting a review in compliance with the Uniform Single Attestation 
Program for Mortgage Bankers or similar procedure as set forth in the 
Agreement, that is included in these reports; and                     

In giving the certifications above, I have reasonably relied on       
information provided to me by the following unaffiliated party:       
Wells Fargo Bank, N.A.                                                

Date: March 10, 2006                                                  

/s/ Robert Caruso                                                     
Signature                                                             

Senior Vice President                                                 
Title                                                                 

EX-99.1                                                                     
(logo) PRICEWATERHOUSECOOPERS                                                   

PricewaterhouseCoopers LLP                                                      
214 N. Tryon Street                                                             
Ste 3600                                                                        
Charlotte NC 28202                                                              
Telephone (704) 344 7500                                                        
Facsimile (704) 344 4100                                                        

Report of Independent Registered Public Accounting Firm                         

To the Board of Directors and Shareholder                                       
of Bank of America, N.A.:                                                       

We have examined management's assertion concerning the mortgage division of Bank
of America, N.A.'s (the "Company"), compliance with the minimum servicing       
standards identified in the Mortgage Bankers Association of America's Uniform   
Single Attestation Program for Mortgage Bankers ("USAP") as of and for the year 
ended December 31, 2005 included in the accompanying Management's Assertion     
Concerning Compliance with USAP Minimum Servicing Standards (see Exhibit 1).    
Management is responsible for the Company's compliance with those minimum       
servicing standards. Our responsibility is to express an opinion on management's
assertion about the Company's compliance based on our examination.              

Our examination was made in accordance with standards established by the        
American Institute of Certified Public Accountants and, accordingly included    
examining on a test basis evidence about the Company's compliance with the      
minimum servicing standards and performing such other procedures as we          
considered necessary in the circumstances. We believe that our examination      
provides a reasonable basis for our opinion. Our examination does not provide a 
legal determination on the Company's compliance with the minimum servicing      
standards.                                                                      

In our opinion, management's assertion that the Company complied with the       
aforementioned minimum servicing standards as of and for the year ended December
31, 2005 is fairly stated, in all material respects.                            

/s/ PricewaterhouseCoopers LLP                                                  

March 17, 2006                                                                  

(page)                                                                          

Exhibit 1                                                                       

(logo) Bank of America                                                          

Management's Assertion Concerning Compliance                                    
with USAP Minimum Servicing Standards                                           

March 17, 2006                                                                  

As of and for the year ended December 31, 2005, Bank of America, N.A. (the      
"Company"), has complied in all material respects with the minimum servicing    
standards set forth in the Mortgage Bankers Association of America's Uniform    
Single Attestation Program for Mortgage Bankers ("USAP").                       

As of and for this same period, the Company had in effect a fidelity bond and   
errors and omissions policy in the amounts of $270,000,000 and $110,000,000,    
respectively.                                                                   

/s/ Floyd. S. Robinson                                                          
Floyd S. Robinson                                                               
Senior Vice President                                                           
President Consumer Real Estate                                                  
Bank of America, N.A.                                                           

/s/ H. Randall Chestnut                                                         
H. Randall Chestnut                                                             
Senior Vice President                                                           
Bank of America, N.A.                                                           

/s/ Mike Kula                                                                   
Mike Kula                                                                       
Senior Vice President                                                           
Finance Executive                                                               
Bank of America, N.A.                                                           

/s/ Robert Caruso                                                               
Robert Caruso                                                                   
Senior Vice President                                                           
National Servicing Executive                                                    
Bank of America, N.A.                                                           

/s/ J. Mark Hanson                                                              
J. Mark Hanson                                                                  
Senior Vice President                                                           
Bank of America, N.A.                                                           

(logo) USA                                                                      
2000-2004                                                                       
US Olymipic Teams                                                               

EX-99.2                                                                     
Exhibit 1                                                                       

(logo) Bank of America                                                          

Management's Assertion Concerning Compliance                                    
with USAP Minimum Servicing Standards                                           

March 17, 2006                                                                  

As of and for the year ended December 31, 2005, Bank of America, N.A. (the      
"Company"), has complied in all material respects with the minimum servicing    
standards set forth in the Mortgage Bankers Association of America's Uniform    
Single Attestation Program for Mortgage Bankers ("USAP").                       

As of and for this same period, the Company had in effect a fidelity bond and   
errors and omissions policy in the amounts of $270,000,000 and $110,000,000,    
respectively.                                                                   

/s/ Floyd. S. Robinson                                                          
Floyd S. Robinson                                                               
Senior Vice President                                                           
President Consumer Real Estate                                                  
Bank of America, N.A.                                                           

/s/ H. Randall Chestnut                                                         
H. Randall Chestnut                                                             
Senior Vice President                                                           
Bank of America, N.A.                                                           

/s/ Mike Kula                                                                   
Mike Kula                                                                       
Senior Vice President                                                           
Finance Executive                                                               
Bank of America, N.A.                                                           

/s/ Robert Caruso                                                               
Robert Caruso                                                                   
Senior Vice President                                                           
National Servicing Executive                                                    
Bank of America, N.A.                                                           

/s/ J. Mark Hanson                                                              
J. Mark Hanson                                                                  
Senior Vice President                                                           
Bank of America, N.A.                                                           

(logo) USA                                                                      
2000-2004                                                                       
US Olymipic Teams                                                               

EX-99.3                                                                     
(logo) Bank of America                                                          

Bank of America                                                                 
475 CrossPoint Parkway                                                          
PO Box 9000                                                                     
Getzville, NY 14068-9000                                                        

OFFICER'S CERTIFICATE PURSUANT TO SECTION 3.18                                  
BOALT 2005-11                                                                   

I, H. Randall Chestnut, Senior Vice President of Bank of America, N.A. (the     
"Servicer"), hereby certify of the Banc of America Alternative Loan Trust       
2005-11 formed pursuant to Section 3.18 of the Pooling and Servicing Agreements 
dated November 29, 2005, among Banc of America Mortgage Securities, Inc., as    
depositor (together with its permitted successors and assigns, the "Depositor"),
Bank of America, N.A., as servicer ( together with its permitted successors and 
assigns, the "Servicer"), and Wells Fargo Bank, N.A., as trustee (together with 
its permitted successors and assigns, the "Trustee"), that: (a) a review of the 
activities of the Servicer during calendar year 2005 and the performance of the 
Servicer under this Agreement have been made under my supervision, and (b) to   
the best of my knowledge, based on such review, the Servicer has fulfilled all  
it's obligations under the Agreements throughout calendar year 2005.            

Dated March 10, 2006                                                            

Bank of America, N.A.                                                           
as Servicer                                                                     

By:/s/ H. Randall Chestnut                                                      
Name: H. Randall Chestnut                                                       
Title: Senior Vice President                                                    

Ex-99.4                                                                     

Schedule of Year-To-Date Principal and Interest Distributions to          
Certificateholders                                                        

                                                                   [Download Table]
                                                      

Class     Interest   Principal  Losses  Ending Balance
                                                      
1-CB-1  381,440.70  113,401.05    0.00   97,613,598.95
1-CB-2   66,474.72        0.00    0.00   97,613,598.95
1-CB-3  165,861.67        0.00    0.00   36,188,000.00
1-CB-4  122,856.25  213,602.40    0.00   26,591,397.60
1-CB-5   35,048.75        0.00    0.00    7,647,000.00
1-CB-6   41,300.42   10,456.24    0.00    9,000,543.76
1-CB-7    6,998.75        0.00    0.00    1,527,000.00
1-CB-8    4,927.08  (4,927.08)    0.00    1,079,927.08
1-CB-R        1.15      100.00    0.00            0.00
2-CB-1  433,370.00  540,347.02    0.00   86,133,652.98
3-CB-1  259,860.00  138,717.00    0.00   51,833,283.00
4-A-1   229,672.52  907,914.29    0.00   56,630,085.71
4-A-2    46,030.40        0.00    0.00   56,630,085.71
4-A-3   100,198.54        0.00    0.00   20,911,000.00
4-A-4     4,231.04        0.00    0.00      883,000.00
4-A-5    94,630.62  122,443.80    0.00   19,626,556.20
4-A-6    19,492.50        0.00    0.00    4,068,000.00
4-IO     15,736.79        0.00    0.00    3,354,355.17
4-PO          0.00   11,453.81    0.00    1,397,749.19
B-1      35,867.80    7,357.71    0.00    7,510,642.29
B-2      17,924.36    3,676.90    0.00    3,753,323.10
B-3      12,657.26    2,596.44    0.00    2,650,403.56
B-4       6,326.24    1,297.73    0.00    1,324,702.27
B-5       6,331.02    1,298.71    0.00    1,325,701.29
B-6       6,327.63    1,298.01    0.00    1,324,991.99
CB-IO    48,872.46        0.00    0.00   10,619,190.98
CB-PO         0.00    1,492.25    0.00      994,424.75
                                                                             

Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘10-K’ Filing		Date		Other Filings
Filed on:		3/30/06
		3/29/06
		3/17/06
		3/10/06
For Period End:		12/31/05
		12/14/05		8-K
		11/29/05		424B5,  8-K
		3/26/93
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