8-K 1 bam0400b_sep.txt SEPTEMBER 8-K 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): September 27, 2004 BANC OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2004-B Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-105940-24 54-2144736 Pooling and Servicing Agreement) (Commission 54-2144737 (State or other File Number) IRS EIN jurisdiction of Incorporation) 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 September 27, 2004 a distribution was made to holders of BANC OF AMERICA MORTGAGE SECURITIES, INC., Mortgage Pass-Through Certificates, Series 2004-B Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-B Trust, relating to the September 27, 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. BANC OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2004-B Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 9/29/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-B Trust, relating to the September 27, 2004 distribution. EX-99.1

Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Record Date: 78/31/042004 Distribution Date: 89/2527/042004 BAM Series: 2004-B Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-A-1 05948X2Y6 SEN 3.~~44696~~44129% 4240,~~417~~746,~~876~~823.0069 ~~121~~116,~~843~~851.9537 1,~~671~~614,~~052~~691.3190 1-A-R 05948X2Z3 SEN 3.~~50335~~50330% 0.00 0.00 0.00 1-A-LR 05948X3A7 SEN 3.~~50335~~50330% 0.00 0.2726 0.00 2-A-1 05948X3B5 SEN 3.~~57783~~57494% 8180,~~859~~679,~~704~~171.2889 ~~244~~240,~~066~~352.6660 1711,~~180,532~~605.3951 2-A-2 05948X3C3 SEN 4.~~15583~~15294% ~~431~~425,~~937~~708,~~880~~727.9148 1,~~495~~473,~~883~~285.1930 63,~~229~~754,~~153~~831.4326 B-1 05948X3D1 SUB 4.~~00672~~00363% 9,~~456~~451,~~764~~571.5980 31,~~575~~533.5187 5,~~192~~183.7954 B-2 05948X3E9 SUB 4.~~00672~~00363% 4,~~203~~200,~~228~~920.1411 14,~~034~~015.3079 2,~~308~~303.0392 B-3 05948X3F6 SUB 4.~~00672~~00363% 2,~~801~~800,~~819~~281.6111 9,~~355~~342.0975 1,~~538~~535.5076 B-4 05948X2S9 SUB 4.~~00672~~00363% 1,~~400~~399,~~411~~642.0811 4,~~675~~669.8871 ~~768~~767.9861 B-5 05948X2T7 SUB 4.~~00672~~00363% 1,~~050~~049,~~308~~731.3158 3,~~506~~502.9129 ~~576~~575.7371 B-6 05948X2U4 SUB 4.~~00672~~00363% 1,401,~~851~~081.3962 4,~~680~~674.6952 ~~769~~768.7740 1-IO 05948X2W0 SEN 0.63900% 0.00 2322,~~587~~696.5611 0.00 2-IO 05948X2X8 SEN 0.31909% 0.00 ~~141~~139,~~524~~552.5611 0.00 SES 05948X2V2 SEN 0.00000% 0.00 ~~103~~100,~~355~~688.5786 0.00 Totals ~~576~~567,~~529~~437,~~844~~951.3139 2,~~198~~161,~~090~~165.1454 96,~~091~~092,~~892~~263.9361

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 4039,~~746~~132,~~823~~131.6979 1,~~792~~731,~~896~~543.2627 0.00 1-A-R 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.2726 0.00 2-A-1 0.00 8079,~~679~~967,~~171~~566.8938 1951,~~424,599~~958.0511 0.00 2-A-2 0.00 ~~425~~421,~~708~~953,~~727~~896.4822 75,~~725~~228,~~036~~116.6256 0.00 B-1 0.00 9,~~451~~446,~~571~~388.8026 36,~~768~~717.3041 0.00 B-2 0.00 4,~~200~~198,~~920~~616.1119 16,~~342~~319.3371 0.00 B-3 0.00 2,~~800~~798,~~281~~745.1135 10,~~893~~878.5951 0.00 B-4 0.00 1,~~399~~398,~~642~~874.1150 5,~~444~~437.8632 0.00 B-5 0.00 1,049,~~731~~155.5887 4,~~083~~078.6400 0.00 B-6 0.00 1,~~401~~400,~~081~~313.6223 5,~~450~~442.4692 0.00 1-IO 0.00 0.00 2322,~~587~~696.5611 0.00 2-IO 0.00 0.00 ~~141~~139,~~524~~552.5611 0.00 SES 0.00 0.00 ~~103~~100,~~355~~688.5786 0.00 Totals 0.00 ~~567~~561,~~437~~345,~~951~~687.3979 118,~~289~~253,~~983~~429.0715 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-A-1 63,317,000.00 4240,~~417~~746,~~876~~823.0069 6863,~~506~~672.6816 1,~~602~~551,~~545~~019.6374 0.00 0.00 1-A-R 50.00 0.00 0.00 0.00 0.00 0.00 1-A-LR 50.00 0.00 0.00 0.00 0.00 0.00 2-A-1 98,549,000.00 8180,~~859~~679,~~704~~171.2889 3635,~~061~~921.4274 1675,~~144,470~~683.9777 0.00 0.00 2-A-2 520,000,000.00 ~~431~~425,~~937~~708,~~880~~727.9148 ~~190~~189,~~280~~543.3634 63,~~038~~565,~~873~~287.0792 0.00 0.00 B-1 9,481,000.00 9,~~456~~451,~~764~~571.5980 5,~~192~~183.7954 0.00 0.00 0.00 B-2 4,214,000.00 4,~~203~~200,~~228~~920.1411 2,~~308~~303.0392 0.00 0.00 0.00 B-3 2,809,000.00 2,~~801~~800,~~819~~281.6111 1,~~538~~535.5076 0.00 0.00 0.00 B-4 1,404,000.00 1,~~400~~399,~~411~~642.0811 ~~768~~767.9861 0.00 0.00 0.00 B-5 1,053,000.00 1,~~050~~049,~~308~~731.3158 ~~576~~575.7371 0.00 0.00 0.00 B-6 1,405,444.00 1,401,~~851~~081.3962 ~~769~~768.7740 0.00 0.00 0.00 1-IO 0.00 0.00 0.00 0.00 0.00 0.00 2-IO 0.00 0.00 0.00 0.00 0.00 0.00 SES 0.00 0.00 0.00 0.00 0.00 0.00 Totals 702,232,544.00 ~~576~~567,~~529~~437,~~844~~951.3139 ~~306~~300,~~003~~272.2618 85,~~785~~791,~~889~~991.6743 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.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-A-1 1,~~671~~614,~~052~~691.3190 4039,~~746~~132,~~823~~131.6979 0.~~64353687~~61803515 1,~~671~~614,~~052~~691.3190 1-A-R 0.00 0.00 0.00000000 0.00 1-A-LR 0.00 0.00 0.00000000 0.00 2-A-1 1711,~~180,532~~605.3951 8079,~~679~~967,~~171~~566.8938 0.~~81867063~~81144980 1711,~~180,532~~605.3951 2-A-2 63,~~229~~754,~~153~~831.4326 ~~425~~421,~~708~~953,~~727~~896.4822 0.~~81867063~~81144980 63,~~229~~754,~~153~~831.4326 B-1 5,~~192~~183.7954 9,~~451~~446,~~571~~388.8026 0.~~99689609~~99634936 5,~~192~~183.7954 B-2 2,~~308~~303.0392 4,~~200~~198,~~920~~616.1119 0.~~99689609~~99634936 2,~~308~~303.0392 B-3 1,~~538~~535.5076 2,~~800~~798,~~281~~745.1135 0.~~99689609~~99634936 1,~~538~~535.5076 B-4 ~~768~~767.9861 1,~~399~~398,~~642~~874.1150 0.~~99689609~~99634936 ~~768~~767.9861 B-5 ~~576~~575.7371 1,049,~~731~~155.5887 0.~~99689609~~99634935 ~~576~~575.7371 B-6 ~~769~~768.7740 1,~~401~~400,~~081~~313.6223 0.~~99689608~~99634936 ~~769~~768.7740 1-IO 0.00 0.00 0.00000000 0.00 2-IO 0.00 0.00 0.00000000 0.00 SES 0.00 0.00 0.00000000 0.00 Totals 96,~~091~~092,~~892~~263.9361 ~~567~~561,~~437~~345,~~951~~687.3979 0.~~80804850~~79937293 96,~~091~~092,~~892~~263.9361

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 63,317,000.00 ~~669~~643.~~92870793~~53686514 1.~~08196345~~00560924 2524.~~30987934~~49610278 0.00000000 1-A-R 50.00 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 98,549,000.00 ~~830~~818.~~64977098~~67062974 0.~~36592375~~36450639 116.~~61321749~~85632295 0.00000000 2-A-2 520,000,000.00 ~~830~~818.~~64977098~~67062977 0.~~36592377~~36450642 116.~~61321744~~85632292 0.00000000 B-1 9,481,000.00 ~~997~~996.~~44379179~~89608691 0.~~54770488~~54672925 0.00000000 0.00000000 B-2 4,214,000.00 ~~997~~996.~~44379212~~89608685 0.~~54770527~~54672995 0.00000000 0.00000000 B-3 2,809,000.00 ~~997~~996.~~44379138~~89608758 0.~~54770381~~54672837 0.00000000 0.00000000 B-4 1,404,000.00 ~~997~~996.~~44378917~~89608974 0.~~54770655~~54673077 0.00000000 0.00000000 B-5 1,053,000.00 ~~997~~996.~~44378917~~89608737 0.~~54770180~~54673314 0.00000000 0.00000000 B-6 1,405,444.00 ~~997~~996.~~44379001~~89608408 0.~~54770592~~54673114 0.00000000 0.00000000 1-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 2-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 SES 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-A-1 0.00000000 2625.~~39184279~~50171202 ~~643~~618.~~53686514~~03515312 0.~~64353687~~61803515 2625.~~39184279~~50171202 1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 0.00000000 117.~~97914124~~22082933 ~~818~~811.~~67062974~~44980040 0.~~81867063~~81144980 117.~~97914124~~22082933 2-A-2 0.00000000 117.~~97914121~~22082935 ~~818~~811.~~67062977~~44980042 0.~~81867063~~81144980 117.~~97914121~~22082935 B-1 0.00000000 0.~~54770488~~54672925 996.~~89608691~~34935766 0.~~99689609~~99634936 0.~~54770488~~54672925 B-2 0.00000000 0.~~54770527~~54672995 996.~~89608685~~34935691 0.~~99689609~~99634936 0.~~54770527~~54672995 B-3 0.00000000 0.~~54770381~~54672837 996.~~89608758~~34935920 0.~~99689609~~99634936 0.~~54770381~~54672837 B-4 0.00000000 0.~~54770655~~54673077 996.~~89608974~~34935897 0.~~99689609~~99634936 0.~~54770655~~54673077 B-5 0.00000000 0.~~54770180~~54673314 996.~~89608737~~34935423 0.~~99689609~~99634935 0.~~54770180~~54673314 B-6 0.00000000 0.~~54770592~~54673114 996.~~89608408~~34936006 0.~~99689608~~99634936 0.~~54770592~~54673114 1-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 SES 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

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 1-A-1 63,317,000.00 3.~~44696~~44129% 4240,~~417~~746,~~876~~823.0069 ~~121~~116,~~843~~851.9537 0.00 0.00 1-A-R 50.00 3.~~50335~~50330% 0.00 0.00 0.00 0.00 1-A-LR 50.00 3.~~50335~~50330% 0.00 0.00 0.00 0.00 2-A-1 98,549,000.00 3.~~57783~~57494% 8180,~~859~~679,~~704~~171.2889 ~~244~~240,~~066~~352.6760 0.00 0.00 2-A-2 520,000,000.00 4.~~15583~~15294% ~~431~~425,~~937~~708,~~880~~727.9148 1,~~495~~473,~~883~~285.2030 0.00 0.00 B-1 9,481,000.00 4.~~00672~~00363% 9,~~456~~451,~~764~~571.5980 31,~~575~~533.5187 0.00 0.00 B-2 4,214,000.00 4.~~00672~~00363% 4,~~203~~200,~~228~~920.1411 14,~~034~~015.3079 0.00 0.00 B-3 2,809,000.00 4.~~00672~~00363% 2,~~801~~800,~~819~~281.6111 9,~~355~~342.0975 0.00 0.00 B-4 1,404,000.00 4.~~00672~~00363% 1,~~400~~399,~~411~~642.0811 4,~~675~~669.8871 0.00 0.00 B-5 1,053,000.00 4.~~00672~~00363% 1,~~050~~049,~~308~~731.3158 3,~~506~~502.9129 0.00 0.00 B-6 1,405,444.00 4.~~00672~~00363% 1,401,~~851~~081.3962 4,~~680~~674.6952 0.00 0.00 1-IO 0.00 0.63900% 4442,~~295~~621,~~889~~804.9961 2322,~~587~~696.5611 0.00 0.00 2-IO 0.00 0.31909% ~~532~~524,~~233~~816,~~954~~147.7925 ~~141~~139,~~524~~552.5611 0.00 0.00 SES 0.00 0.00000% ~~576~~567,~~529~~437,~~844~~951.7886 0.00 0.00 0.00 Totals 702,232,544.00 2,~~094~~060,~~734~~476.3242 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-A-1 0.00 0.00 ~~121~~116,~~843~~851.9537 0.00 4039,~~746~~132,~~823~~131.6979 1-A-R 0.00 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.2726 0.00 0.00 2-A-1 0.00 0.00 ~~244~~240,~~066~~352.6660 0.00 8079,~~679~~967,~~171~~566.8938 2-A-2 0.00 0.00 1,~~495~~473,~~883~~285.1930 0.00 ~~425~~421,~~708~~953,~~727~~896.4822 B-1 0.00 0.00 31,~~575~~533.5187 0.00 9,~~451~~446,~~571~~388.8026 B-2 0.00 0.00 14,~~034~~015.3079 0.00 4,~~200~~198,~~920~~616.1119 B-3 0.00 0.00 9,~~355~~342.0975 0.00 2,~~800~~798,~~281~~745.1135 B-4 0.00 0.00 4,~~675~~669.8871 0.00 1,~~399~~398,~~642~~874.1150 B-5 0.00 0.00 3,~~506~~502.9129 0.00 1,049,~~731~~155.5887 B-6 0.00 0.00 4,~~680~~674.6952 0.00 1,~~401~~400,~~081~~313.6223 1-IO 0.00 0.00 2322,~~587~~696.5611 0.00 4241,~~621~~004,~~804~~182.6181 2-IO 0.00 0.00 ~~141~~139,~~524~~552.5611 0.00 ~~524~~520,~~816~~341,~~147~~505.2545 SES 0.00 0.00 ~~103~~100,~~355~~688.5786 0.00 ~~567~~561,~~437~~345,~~951~~688.8626 Totals 0.00 0.00 2,~~198~~161,~~090~~165.1454 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

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 1-A-1 63,317,000.00 3.~~44696~~44129% ~~669~~643.~~92870793~~53686514 1.~~92434812~~84549758 0.00000000 0.00000000 1-A-R 50.00 3.~~50335~~50330% 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 50.00 3.~~50335~~50330% 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 98,549,000.00 3.~~57783~~57494% ~~830~~818.~~64977098~~67062974 2.~~47660220~~43891465 0.00000000 0.00000000 2-A-2 520,000,000.00 4.~~15583~~15294% ~~830~~818.~~64977098~~67062977 2.~~87669846~~83324096 0.00000000 0.00000000 B-1 9,481,000.00 4.~~00672~~00363% ~~997~~996.~~44379179~~89608691 3.~~33039869~~32600675 0.00000000 0.00000000 B-2 4,214,000.00 4.~~00672~~00363% ~~997~~996.~~44379212~~89608685 3.~~33039867~~32600617 0.00000000 0.00000000 B-3 2,809,000.00 4.~~00672~~00363% ~~997~~996.~~44379138~~89608758 3.~~33039872~~32600570 0.00000000 0.00000000 B-4 1,404,000.00 4.~~00672~~00363% ~~997~~996.~~44378917~~89608974 3.~~33039886~~32600427 0.00000000 0.00000000 B-5 1,053,000.00 4.~~00672~~00363% ~~997~~996.~~44378917~~89608737 3.~~33039886~~32601140 0.00000000 0.00000000 B-6 1,405,444.00 4.~~00672~~00363% ~~997~~996.~~44379001~~89608408 3.~~33039950~~32600943 0.00000000 0.00000000 1-IO 0.00 0.63900% ~~679~~653.~~28939345~~61684364 0.~~36172158~~34805095 0.00000000 0.00000000 2-IO 0.00 0.31909% ~~835~~823.~~50143815~~85695585 0.~~22216541~~21906905 0.00000000 0.00000000 SES 0.00 0.00000% ~~820~~808.~~99562221~~04849665 0.00000000 0.00000000 0.00000000 (5) All classes are per $1,000 denomination.

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance 1-A-1 0.00000000 0.00000000 1.~~92434812~~84549758 0.00000000 ~~643~~618.~~53686514~~03515312 1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 5.~~40000000~~20000000 0.00000000 0.00000000 2-A-1 0.00000000 0.00000000 2.~~47660210~~43891465 0.00000000 ~~818~~811.~~67062974~~44980040 2-A-2 0.00000000 0.00000000 2.~~87669844~~83324096 0.00000000 ~~818~~811.~~67062977~~44980042 B-1 0.00000000 0.00000000 3.~~33039869~~32600675 0.00000000 996.~~89608691~~34935766 B-2 0.00000000 0.00000000 3.~~33039867~~32600617 0.00000000 996.~~89608685~~34935691 B-3 0.00000000 0.00000000 3.~~33039872~~32600570 0.00000000 996.~~89608758~~34935920 B-4 0.00000000 0.00000000 3.~~33039886~~32600427 0.00000000 996.~~89608974~~34935897 B-5 0.00000000 0.00000000 3.~~33039886~~32601140 0.00000000 996.~~89608737~~34935423 B-6 0.00000000 0.00000000 3.~~33039950~~32600943 0.00000000 996.~~89608408~~34936006 1-IO 0.00000000 0.00000000 0.~~36172158~~34805095 0.00000000 ~~653~~628.~~61684364~~81017802 2-IO 0.00000000 0.00000000 0.~~22216541~~21906905 0.00000000 ~~823~~816.~~85695585~~83265831 SES 0.00000000 0.00000000 0.~~14718140~~14338393 0.00000000 ~~808~~799.~~04849665~~37293234 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Certificateholder Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage 1-SES 0.00000% ~~44,295,889.99~~ 42,621,804.61 41,004,182.81 0.00 0.00 6562.~~36168436~~88101780% 2-SES 0.00000% ~~532,233,954.79~~ 524,816,147.25 520,341,505.45 0.00 0.00 8281.~~38569559~~68326583%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 118,~~315~~278,~~686~~727.7143 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 118,~~315~~278,~~686~~727.7143 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 25,~~703~~298.6428 Payment of Interest and Principal 118,~~289~~253,~~983~~429.0715 Total Withdrawals (Pool Distribution Amount) 118,~~315~~278,~~686~~727.7143 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 2423,~~022~~643.0825 Trustee Fee - Wells Fargo Bank, N.A. 1,~~681~~655.5603 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 25,~~703~~298.6428

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 5 0 0 0 5 2,~~868~~840,~~145~~751.0487 0.00 0.00 0.00 2,~~868~~840,~~145~~751.0487 60 Days 01 0 0 0 01 0564,588.0041 0.00 0.00 0.00 0564,588.0041 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 56 0 0 0 56 23,~~868~~405,~~145~~340.0428 0.00 0.00 0.00 23,~~868~~405,~~145~~340.0428 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~465549~~470367% 0.000000% 0.000000% 0.000000% 0.~~465549~~470367% 0.~~505234~~505831% 0.000000% 0.000000% 0.000000% 0.~~505234~~505831% 60 Days 0.~~000000~~094073% 0.000000% 0.000000% 0.000000% 0.~~000000~~094073% 0.~~000000~~100532% 0.000000% 0.000000% 0.000000% 0.~~000000~~100532% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~465549~~564440% 0.000000% 0.000000% 0.000000% 0.~~465549~~564440% 0.~~505234~~606363% 0.000000% 0.000000% 0.000000% 0.~~505234~~606363%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1- 3/1 ARM No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 01 0 0 0 01 0657,682.0089 0.00 0.00 0.00 0657,682.0089 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 01 0 0 0 01 0657,682.0089 0.00 0.00 0.00 0657,682.0089 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 01.~~000000~~190476% 0.000000% 0.000000% 0.000000% 01.~~000000~~190476% 01.~~000000~~601884% 0.000000% 0.000000% 0.000000% 01.~~000000~~601884% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 01.~~000000~~190476% 0.000000% 0.000000% 0.000000% 01.~~000000~~190476% 01.~~000000~~601884% 0.000000% 0.000000% 0.000000% 01.~~000000~~601884% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2- 5/1 ARM No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 54 0 0 0 54 2,~~868~~183,~~145~~068.0498 0.00 0.00 0.00 2,~~868~~183,~~145~~068.0498 60 Days 01 0 0 0 01 0564,588.0041 0.00 0.00 0.00 0564,588.0041 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 5 0 0 0 5 2,~~868~~747,~~145~~657.0439 0.00 0.00 0.00 2,~~868~~747,~~145~~657.0439 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~506073~~408580% 0.000000% 0.000000% 0.000000% 0.~~506073~~408580% 0.~~546301~~419382% 0.000000% 0.000000% 0.000000% 0.~~546301~~419382% 60 Days 0.~~000000~~102145% 0.000000% 0.000000% 0.000000% 0.~~000000~~102145% 0.~~000000~~108461% 0.000000% 0.000000% 0.000000% 0.~~000000~~108461% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.~~506073~~510725% 0.000000% 0.000000% 0.000000% 0.~~506073~~510725% 0.~~546301~~527843% 0.000000% 0.000000% 0.000000% 0.~~546301~~527843%

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~623123~~620320% Weighted Average Net Coupon 4.~~363519~~360930% Weighted Average Pass-Through Rate 4.~~360018~~357430% Weighted Average Maturity(Stepdown Calculation ) ~~351~~350 Beginning Scheduled Collateral Loan Count 1,~~091~~074 Number Of Loans Paid In Full 1711 Ending Scheduled Collateral Loan Count 1,~~074~~063 Beginning Scheduled Collateral Balance ~~576~~567,~~529~~437,~~844~~951.7886 Ending Scheduled Collateral Balance ~~567~~561,~~437~~345,~~951~~688.8626 Ending Actual Collateral Balance at 31-~~Jul~~Aug-2004 ~~567~~561,~~686~~600,~~234~~811.6949 Monthly P &I Constant 2,~~527~~485,~~143~~059.9289 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~567~~561,~~437~~345,~~951~~688.8626 Scheduled Principal ~~306~~300,~~003~~272.2517 Unscheduled Principal 85,~~785~~791,~~889~~991.6743

Miscellaneous Reporting Total Senior% 96.~~476439~~421947% Total Subordinate% 3.~~523561~~578053%

Group Level Collateral Statement Group 1- 3/1 ARM 2- 5/1 ARM Total Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~464461~~458790 4.~~636329~~633439 4.~~623123~~620320 Weighted Average Net Rate 4.~~214461~~208790 4.~~386329~~383439 4.~~363519~~360930 Weighted Average Maturity ~~350~~349 ~~353~~352 ~~351~~350 Beginning Loan Count 8986 ~~1,002~~988 1,~~091~~074 Loans Paid In Full 32 149 1711 Ending Loan Count 8684 ~~988~~979 1,~~074~~063 Beginning Scheduled Balance 4442,~~295~~621,~~889~~804.9961 ~~532~~524,~~233~~816,~~954~~147.7925 ~~576~~567,~~529~~437,~~844~~951.7886 Ending scheduled Balance 4241,~~621~~004,~~804~~182.6181 ~~524~~520,~~816~~341,~~147~~505.2545 ~~567~~561,~~437~~345,~~951~~688.8626 Record Date 0708/31/2004 0708/31/2004 0708/31/2004 Principal And Interest Constant ~~236~~224,~~337~~970.4613 2,~~290~~260,~~806~~089.4676 2,~~527~~485,~~143~~059.9289 Scheduled Principal 7166,~~539~~602.7506 ~~234~~233,~~463~~670.5011 ~~306~~300,~~003~~272.2517 Unscheduled Principal 1,~~602~~551,~~545~~019.6374 74,~~183~~240,~~344~~971.0469 85,~~785~~791,~~889~~991.6743 Scheduled Interest ~~164~~158,~~797~~368.7107 2,~~056~~026,~~342~~419.9665 2,~~221~~184,~~140~~787.6772 Servicing Fees 98,~~228~~879.3154 ~~110~~109,~~882~~336.0871 ~~120~~118,~~110~~216.3925 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~129~~124.2031 1,~~552~~530.3672 1,~~681~~655.5603 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 4,~~614~~439.1677 0.00 4,~~614~~439.1677 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 ~~150~~144,~~826~~924.0445 1,~~943~~915,~~908~~552.5222 2,~~094~~060,~~734~~476.5667 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 4.~~085961~~080290 4.~~382829~~379939 4.~~360018~~357430

Miscellaneous Reporting Group 1- 3/1 ARM CPR 35.~~783819~~951939% Senior Prepayment% 100.000000% Subordinate% 4.~~239703~~399112% Subordinate Prepayment% 0.000000% Senior% 95.~~760297~~600888% Group 2- 5/1 ARM CPR 159.~~052293~~281414% Senior Prepayment% 100.000000% Subordinate% 3.~~463960~~511372% Subordinate Prepayment% 0.000000% Senior% 96.~~536040~~488628%

Filing Compare · BANC OF AMERICA MORTGAGE SECURITIES PASS THRU SER 2004-B