8-K 1 bam0400b_dec.txt DEC. 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): December 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 Pooling and Servicing Agreement) (Commission 54-2144736 (State or other File Number) 54-2144737 jurisdiction IRS EIN 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 December 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 December 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: 12/29/04 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 December 27, 2004 distribution. EX-99.1

Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Record Date: 811/3130/~~2004~~04 Distribution Date: 912/27/~~2004~~04 ~~BAM~~Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates 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.~~44129~~42861% 4037,~~746~~664,~~823~~173.6983 ~~116~~107,~~851~~613.3701 1990,~~614,691~~448.9026 1-A-R 05948X2Z3 SEN 3.~~50330~~50327% 0.00 0.00 0.00 1-A-LR 05948X3A7 SEN 3.~~50330~~50327% 0.00 0.2625 0.00 2-A-1 05948X3B5 SEN 3.~~57494~~56999% 8077,~~679~~819,~~171~~382.8925 ~~240~~231,~~352~~512.6002 ~~711~~1,~~605~~633,929.5127 2-A-2 05948X3C3 SEN 4.~~15294~~14799% ~~425~~410,~~708~~618,~~727~~867.4845 1,~~473~~419,~~285~~369.3015 38,~~754~~621,~~831~~530.2662 B-1 05948X3D1 SUB 43.~~00363~~99815% 9,~~451~~436,~~571~~002.8053 31,~~533~~438.8778 5,~~183~~214.5447 B-2 05948X3E9 SUB 43.~~00363~~99815% 4,~~200~~194,~~920~~000.1107 1413,~~015~~973.7953 2,~~303~~317.9266 B-3 05948X3F6 SUB 43.~~00363~~99815% 2,~~800~~795,~~281~~668.1129 9,~~342~~314.7558 1,~~535~~544.7693 B-4 05948X2S9 SUB 43.~~00363~~99815% 1,~~399~~397,~~642~~336.1152 4,~~669~~655.7163 ~~767~~772.6119 B-5 05948X2T7 SUB 43.~~00363~~99815% 1,~~049~~048,~~731~~002.5839 3,~~502~~491.2972 ~~575~~579.7114 B-6 05948X2U4 SUB 43.~~00363~~99815% 1,~~401~~398,~~081~~773.6267 4,~~674~~660.5242 ~~768~~772.4098 1-IO 05948X2W0 SEN 0.63900% 0.00 2221,~~696~~049.1193 0.00 2-IO 05948X2X8 SEN 0.31909% 0.00 ~~139~~134,~~552~~772.1162 0.00 SES 05948X2V2 SEN 0.00000% 0.00 ~~100~~96,~~688~~936.8695 0.00 Totals ~~567~~546,~~437~~372,~~951~~207.3900 2,~~161~~078,~~165~~788.5459 611,~~092~~257,~~263~~109.6152

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 3936,~~132~~673,~~131~~725.7956 1,~~731~~098,~~543~~061.27 0.00 1-A-R 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.2625 0.00 2-A-1 0.00 7976,~~967~~185,~~566~~452.3898 ~~951~~1,~~958~~865,441.1129 0.00 2-A-2 0.00 ~~421~~401,~~953~~997,~~896~~336.2283 510,~~228~~040,~~116~~899.5677 0.00 B-1 0.00 9,~~446~~430,~~388~~788.2606 36,~~717~~653.4125 0.00 B-2 0.00 4,~~198~~191,~~616~~682.1940 16,~~319~~291.7119 0.00 B-3 0.00 2,~~798~~794,~~745~~123.3537 10,~~878~~859.51 0.00 B-4 0.00 1,~~398~~396,~~874~~564.5033 5,~~437~~427.3282 0.00 B-5 0.00 1,~~049~~047,~~155~~423.8725 4,~~078~~070.0086 0.00 B-6 0.00 1,~~400~~398,~~313~~000.2368 5,~~442~~433.9240 0.00 1-IO 0.00 0.00 2221,~~696~~049.1193 0.00 2-IO 0.00 0.00 ~~139~~134,~~552~~772.1162 0.00 SES 0.00 0.00 ~~100~~96,~~688~~936.8695 0.00 Totals 0.00 ~~561~~535,~~345~~115,~~687~~097.7946 813,~~253~~335,~~429~~898.1511 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 4037,~~746~~664,~~823~~173.6983 6358,~~672~~786.1600 1931,~~551,019~~662.7426 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 8077,~~679~~819,~~171~~382.8925 35,~~921~~048.7430 ~~675~~1,~~683~~598,880.7797 0.00 0.00 2-A-2 520,000,000.00 ~~425~~410,~~708~~618,~~727~~867.4845 ~~189~~184,~~543~~934.3456 38,~~565~~436,~~287~~596.9205 0.00 0.00 B-1 9,481,000.00 9,~~451~~436,~~571~~002.8053 5,~~183~~214.5447 0.00 0.00 0.00 B-2 4,214,000.00 4,~~200~~194,~~920~~000.1107 2,~~303~~317.9266 0.00 0.00 0.00 B-3 2,809,000.00 2,~~800~~795,~~281~~668.1129 1,~~535~~544.7693 0.00 0.00 0.00 B-4 1,404,000.00 1,~~399~~397,~~642~~336.1152 ~~767~~772.6119 0.00 0.00 0.00 B-5 1,053,000.00 1,~~049~~048,~~731~~002.5839 ~~575~~579.7114 0.00 0.00 0.00 B-6 1,405,444.00 1,~~401~~398,~~081~~773.6267 ~~768~~772.4098 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 ~~567~~546,~~437~~372,~~951~~207.3900 ~~300~~289,~~272~~970.1823 510,~~791~~967,~~991~~139.4328 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 1990,~~614,691~~448.9026 3936,~~132~~673,~~131~~725.7956 0.~~61803515~~57920820 1990,~~614,691~~448.9026 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 ~~711~~1,~~605~~633,929.5127 7976,~~967~~185,~~566~~452.3898 0.~~81144980~~77307180 ~~711~~1,~~605~~633,929.5127 2-A-2 38,~~754~~621,~~831~~530.2662 ~~421~~401,~~953~~997,~~896~~336.2283 0.~~81144980~~77307180 38,~~754~~621,~~831~~530.2662 B-1 5,~~183~~214.5447 9,~~446~~430,~~388~~788.2606 0.~~99634936~~99470394 5,~~183~~214.5447 B-2 2,~~303~~317.9266 4,~~198~~191,~~616~~682.1940 0.~~99634936~~99470394 2,~~303~~317.9266 B-3 1,~~535~~544.7693 2,~~798~~794,~~745~~123.3537 0.~~99634936~~99470394 1,~~535~~544.7693 B-4 ~~767~~772.6119 1,~~398~~396,~~874~~564.5033 0.~~99634936~~99470394 ~~767~~772.6119 B-5 ~~575~~579.7114 1,~~049~~047,~~155~~423.8725 0.~~99634935~~99470394 ~~575~~579.7114 B-6 ~~768~~772.4098 1,~~400~~398,~~313~~000.2368 0.~~99634936~~99470394 ~~768~~772.4098 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 611,~~092~~257,~~263~~109.6152 ~~561~~535,~~345~~115,~~687~~097.7946 0.~~79937293~~76201979 611,~~092~~257,~~263~~109.6152

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 ~~643~~594.~~53686514~~85089044 10.~~00560924~~92843944 2414.~~49610278~~71425146 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 ~~818~~789.~~67062974~~65166821 0.~~36450639~~35564339 616.~~85632295~~22422318 0.00000000 2-A-2 520,000,000.00 ~~818~~789.~~67062977~~65166817 0.~~36450642~~35564338 616.~~85632292~~22422317 0.00000000 B-1 9,481,000.00 ~~996~~995.~~89608691~~25393207 0.~~54672925~~54999156 0.00000000 0.00000000 B-2 4,214,000.00 ~~996~~995.~~89608685~~25393213 0.~~54672995~~54999051 0.00000000 0.00000000 B-3 2,809,000.00 ~~996~~995.~~89608758~~25393022 0.~~54672837~~54999288 0.00000000 0.00000000 B-4 1,404,000.00 ~~996~~995.~~89608974~~25393162 0.~~54673077~~54999288 0.00000000 0.00000000 B-5 1,053,000.00 ~~996~~995.~~89608737~~25393162 0.~~54673314~~54999050 0.00000000 0.00000000 B-6 1,405,444.00 ~~996~~995.~~89608408~~25393399 0.~~54673114~~54998990 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 2515.~~50171202~~64269090 ~~618~~579.~~03515312~~20819938 0.~~61803515~~57920820 2515.~~50171202~~64269090 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 716.~~22082933~~57986656 ~~811~~773.~~44980040~~07180164 0.~~81144980~~77307180 716.~~22082933~~57986656 2-A-2 0.00000000 716.~~22082935~~57986658 ~~811~~773.~~44980042~~07180160 0.~~81144980~~77307180 716.~~22082935~~57986658 B-1 0.00000000 0.~~54672925~~54999156 ~~996~~994.~~34935766~~70394051 0.~~99634936~~99470394 0.~~54672925~~54999156 B-2 0.00000000 0.~~54672995~~54999051 ~~996~~994.~~34935691~~70393925 0.~~99634936~~99470394 0.~~54672995~~54999051 B-3 0.00000000 0.~~54672837~~54999288 ~~996~~994.~~34935920~~70394090 0.~~99634936~~99470394 0.~~54672837~~54999288 B-4 0.00000000 0.~~54673077~~54999288 ~~996~~994.~~34935897~~70393875 0.~~99634936~~99470394 0.~~54673077~~54999288 B-5 0.00000000 0.~~54673314~~54999050 ~~996~~994.~~34935423~~70394112 0.~~99634935~~99470394 0.~~54673314~~54999050 B-6 0.00000000 0.~~54673114~~54998990 ~~996~~994.~~34936006~~70393698 0.~~99634936~~99470394 0.~~54673114~~54998990 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.~~44129~~42861% 4037,~~746~~664,~~823~~173.6983 ~~116~~107,~~851~~613.3700 0.00 0.00 1-A-R 50.00 3.~~50330~~50327% 0.00 0.00 0.00 0.00 1-A-LR 50.00 3.~~50330~~50327% 0.00 0.00 0.00 0.00 2-A-1 98,549,000.00 3.~~57494~~56999% 8077,~~679~~819,~~171~~382.8925 ~~240~~231,~~352~~512.6002 0.00 0.00 2-A-2 520,000,000.00 4.~~15294~~14799% ~~425~~410,~~708~~618,~~727~~867.4845 1,~~473~~419,~~285~~369.3014 0.00 0.00 B-1 9,481,000.00 43.~~00363~~99815% 9,~~451~~436,~~571~~002.8053 31,~~533~~438.8778 0.00 0.00 B-2 4,214,000.00 43.~~00363~~99815% 4,~~200~~194,~~920~~000.1107 1413,~~015~~973.7953 0.00 0.00 B-3 2,809,000.00 43.~~00363~~99815% 2,~~800~~795,~~281~~668.1129 9,~~342~~314.7558 0.00 0.00 B-4 1,404,000.00 43.~~00363~~99815% 1,~~399~~397,~~642~~336.1152 4,~~669~~655.7163 0.00 0.00 B-5 1,053,000.00 43.~~00363~~99815% 1,~~049~~048,~~731~~002.5839 3,~~502~~491.2972 0.00 0.00 B-6 1,405,444.00 43.~~00363~~99815% 1,~~401~~398,~~081~~773.6267 4,~~674~~660.5242 0.00 0.00 1-IO 0.00 0.63900% 4239,~~621~~530,~~804~~381.6156 2221,~~696~~049.1193 0.00 0.00 2-IO 0.00 0.31909% ~~524~~506,~~816~~841,~~147~~825.2590 ~~139~~134,~~552~~772.1162 0.00 0.00 SES 0.00 0.00000% ~~567~~546,~~437~~372,~~951~~207.8646 0.00 0.00 0.00 Totals 702,232,544.00 21,~~060~~981,~~476~~851.4237 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 ~~116~~107,~~851~~613.3701 0.00 3936,~~132~~673,~~131~~725.7956 1-A-R 0.00 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.2625 0.00 0.00 2-A-1 0.00 0.00 ~~240~~231,~~352~~512.6002 0.00 7976,~~967~~185,~~566~~452.3898 2-A-2 (0.0001) 0.00 1,~~473~~419,~~285~~369.3015 0.00 ~~421~~401,~~953~~997,~~896~~336.2283 B-1 0.00 0.00 31,~~533~~438.8778 0.00 9,~~446~~430,~~388~~788.2606 B-2 0.00 0.00 1413,~~015~~973.7953 0.00 4,~~198~~191,~~616~~682.1940 B-3 0.00 0.00 9,~~342~~314.7558 0.00 2,~~798~~794,~~745~~123.3537 B-4 0.00 0.00 4,~~669~~655.7163 0.00 1,~~398~~396,~~874~~564.5033 B-5 0.00 0.00 3,~~502~~491.2972 0.00 1,~~049~~047,~~155~~423.8725 B-6 0.00 0.00 4,~~674~~660.5242 0.00 1,~~400~~398,~~313~~000.2368 1-IO 0.00 0.00 2221,~~696~~049.1193 0.00 4138,~~004~~537,~~182~~020.8153 2-IO 0.00 0.00 ~~139~~134,~~552~~772.1162 0.00 ~~520~~496,~~341~~578,~~505~~077.4541 SES 0.00 0.00 ~~100~~96,~~688~~936.8695 0.00 ~~561~~535,~~345~~115,~~688~~097.2694 Totals (0.0001) 0.00 2,~~161~~078,~~165~~788.5459 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.~~44129~~42861% ~~643~~594.~~53686514~~85089044 1.~~84549758~~69959095 0.00000000 0.00000000 1-A-R 50.00 3.~~50330~~50327% 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 50.00 3.~~50330~~50327% 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 98,549,000.00 3.~~57494~~56999% ~~818~~789.~~67062974~~65166821 2.~~43891465~~34920720 0.00000000 0.00000000 2-A-2 520,000,000.00 4.~~15294~~14799% ~~818~~789.~~67062977~~65166817 2.~~83324096~~72955604 0.00000000 0.00000000 B-1 9,481,000.00 43.~~00363~~99815% ~~996~~995.~~89608691~~25393207 3.~~32600675~~31597722 0.00000000 0.00000000 B-2 4,214,000.00 43.~~00363~~99815% ~~996~~995.~~89608685~~25393213 3.~~32600617~~31597769 0.00000000 0.00000000 B-3 2,809,000.00 43.~~00363~~99815% ~~996~~995.~~89608758~~25393022 3.~~32600570~~31597722 0.00000000 0.00000000 B-4 1,404,000.00 43.~~00363~~99815% ~~996~~995.~~89608974~~25393162 3.~~32600427~~31597578 0.00000000 0.00000000 B-5 1,053,000.00 43.~~00363~~99815% ~~996~~995.~~89608737~~25393162 3.~~32601140~~31597341 0.00000000 0.00000000 B-6 1,405,444.00 43.~~00363~~99815% ~~996~~995.~~89608408~~25393399 3.~~32600943~~31597702 0.00000000 0.00000000 1-IO 0.00 0.63900% ~~653~~606.~~61684364~~20903923 0.~~34805095~~32280634 0.00000000 0.00000000 2-IO 0.00 0.31909% ~~823~~795.~~85695585~~64084675 0.~~21906905~~21156620 0.00000000 0.00000000 SES 0.00 0.00000% ~~808~~778.~~04849665~~05025096 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.~~84549758~~69959111 0.00000000 ~~618~~579.~~03515312~~20819938 1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 5.~~20000000~~00000000 0.00000000 0.00000000 2-A-1 0.00000000 0.00000000 2.~~43891465~~34920720 0.00000000 ~~811~~773.~~44980040~~07180164 2-A-2 n (0.~~00000000~~00000002) 0.00000000 2.~~83324096~~72955606 0.00000000 ~~811~~773.~~44980042~~07180160 B-1 0.00000000 0.00000000 3.~~32600675~~31597722 0.00000000 ~~996~~994.~~34935766~~70394051 B-2 0.00000000 0.00000000 3.~~32600617~~31597769 0.00000000 ~~996~~994.~~34935691~~70393925 B-3 0.00000000 0.00000000 3.~~32600570~~31597722 0.00000000 ~~996~~994.~~34935920~~70394090 B-4 0.00000000 0.00000000 3.~~32600427~~31597578 0.00000000 ~~996~~994.~~34935897~~70393875 B-5 0.00000000 0.00000000 3.~~32601140~~31597341 0.00000000 ~~996~~994.~~34935423~~70394112 B-6 0.00000000 0.00000000 3.~~32600943~~31597702 0.00000000 ~~996~~994.~~34936006~~70393698 1-IO 0.00000000 0.00000000 0.~~34805095~~32280634 0.00000000 ~~628~~590.~~81017802~~97558052 2-IO 0.00000000 0.00000000 0.~~21906905~~21156620 0.00000000 ~~816~~779.~~83265831~~52880326 SES 0.00000000 0.00000000 0.~~14338393~~13804110 0.00000000 ~~799~~762.~~37293234~~01979267 (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% 4239,~~621~~530,~~804~~381.6156 4138,~~004~~537,~~182~~020.8153 0.00 0.00 6259.~~88101780~~09755805% 2-SES 0.00000% ~~524~~506,~~816~~841,~~147~~825.2590 ~~520~~496,~~341~~578,~~505~~077.4541 0.00 0.00 8177.~~68326583~~95288033%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 813,~~278~~360,~~727~~257.4322 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 813,~~278~~360,~~727~~257.4322 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 2524,~~298~~359.2811 Payment of Interest and Principal 813,~~253~~335,~~429~~898.1511 Total Withdrawals (Pool Distribution Amount) 813,~~278~~360,~~727~~257.4322 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 2322,~~643~~765.2551 Trustee Fee - Wells Fargo Bank, N.A. 1,~~655~~593.0360 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 2524,~~298~~359.2811

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 56 0 0 0 56 23,~~840~~602,~~751~~321.8749 0.00 0.00 0.00 23,~~840~~602,~~751~~321.8749 60 Days 12 0 0 0 12 ~~564~~1,~~588~~183,299.4165 0.00 0.00 0.00 ~~564~~1,~~588~~183,299.4165 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 68 0 0 0 68 34,~~405~~785,~~340~~621.2814 0.00 0.00 0.00 34,~~405~~785,~~340~~621.2814 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.~~470367~~591716% 0.000000% 0.000000% 0.000000% 0.~~470367~~591716% 0.~~505831~~672881% 0.000000% 0.000000% 0.000000% 0.~~505831~~672881% 60 Days 0.~~094073~~197239% 0.000000% 0.000000% 0.000000% 0.~~094073~~197239% 0.~~100532~~221030% 0.000000% 0.000000% 0.000000% 0.~~100532~~221030% 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.~~564440~~788955% 0.000000% 0.000000% 0.000000% 0.~~564440~~788955% 0.~~606363~~893911% 0.000000% 0.000000% 0.000000% 0.~~606363~~893911%

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 1 0 0 0 1 ~~657~~364,~~682~~991.8954 0.00 0.00 0.00 ~~657~~364,~~682~~991.8954 60 Days 01 0 0 0 01 0544,063.0075 0.00 0.00 0.00 0544,063.0075 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 12 0 0 0 12 ~~657~~909,~~682~~055.8929 0.00 0.00 0.00 ~~657~~909,~~682~~055.8929 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.~~190476~~282051% 0.000000% 0.000000% 0.000000% 1.~~190476~~282051% 10.~~601884~~945890% 0.000000% 0.000000% 0.000000% 10.~~601884~~945890% 60 Days 01.~~000000~~282051% 0.000000% 0.000000% 0.000000% 01.~~000000~~282051% 01.~~000000~~409962% 0.000000% 0.000000% 0.000000% 01.~~000000~~409962% 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 12.~~190476~~564103% 0.000000% 0.000000% 0.000000% 12.~~190476~~564103% 12.~~601884~~355852% 0.000000% 0.000000% 0.000000% 12.~~601884~~355852% 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 45 0 0 0 45 23,~~183~~237,~~068~~329.9895 0.00 0.00 0.00 23,~~183~~237,~~068~~329.9895 60 Days 1 0 0 0 1 ~~564~~639,~~588~~235.4190 0.00 0.00 0.00 ~~564~~639,~~588~~235.4190 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,~~747~~876,~~657~~565.3985 0.00 0.00 0.00 23,~~747~~876,~~657~~565.3985 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~408580~~534188% 0.000000% 0.000000% 0.000000% 0.~~408580~~534188% 0.~~419382~~651675% 0.000000% 0.000000% 0.000000% 0.~~419382~~651675% 60 Days 0.~~102145~~106838% 0.000000% 0.000000% 0.000000% 0.~~102145~~106838% 0.~~108461~~128678% 0.000000% 0.000000% 0.000000% 0.~~108461~~128678% 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.~~510725~~641026% 0.000000% 0.000000% 0.000000% 0.~~510725~~641026% 0.~~527843~~780354% 0.000000% 0.000000% 0.000000% 0.~~527843~~780354%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 019,438.0068

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~620320~~615294% Weighted Average Net Coupon 4.~~360930~~356250% Weighted Average Pass-Through Rate 4.~~357430~~352751% Weighted Average Maturity(Stepdown Calculation ) ~~350~~347 Beginning Scheduled Collateral Loan Count 1,~~074~~034 Number Of Loans Paid In Full 1120 Ending Scheduled Collateral Loan Count 1,~~063~~014 Beginning Scheduled Collateral Balance ~~567~~546,~~437~~372,~~951~~207.8646 Ending Scheduled Collateral Balance ~~561~~535,~~345~~115,~~688~~097.2694 Ending Actual Collateral Balance at 3130-~~Aug~~Nov-2004 ~~561~~535,~~600~~357,~~811~~496.4960 Monthly P &I Constant 2,~~485~~391,~~059~~360.8974 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 ~~561~~535,~~345~~115,~~688~~097.2694 Scheduled Principal ~~300~~289,~~272~~970.1724 Unscheduled Principal 510,~~791~~967,~~991~~139.4328

Miscellaneous Reporting Total Senior% 96.~~421947~~290114% Total Subordinate% 3.~~578053~~709886%

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.~~458790~~446106 4.~~633439~~628490 4.~~620320~~615294 Weighted Average Net Rate 4.~~208790~~196106 4.~~383439~~378490 4.~~360930~~356250 Weighted Average Maturity 346 349 ~~352~~347 ~~350~~ Beginning Loan Count 8680 ~~988~~954 1,~~074~~034 Loans Paid In Full 2 918 1120 Ending Loan Count 8478 ~~979~~936 1,~~063~~014 Beginning Scheduled Balance 4239,~~621~~530,~~804~~381.6156 ~~524~~506,~~816~~841,~~147~~825.2590 ~~567~~546,~~437~~372,~~951~~207.8646 Ending scheduled Balance 4138,~~004~~537,~~182~~020.8153 ~~520~~496,~~341~~578,~~505~~077.4541 ~~561~~535,~~345~~115,~~688~~097.2694 Record Date 0811/3130/2004 0811/3130/2004 0811/3130/2004 Principal And Interest Constant ~~224~~208,~~970~~162.1332 2,~~260~~183,~~089~~198.7642 2,~~485~~391,~~059~~360.8974 Scheduled Principal 6661,~~602~~698.0677 ~~233~~228,~~670~~271.1147 ~~300~~289,~~272~~970.1724 Unscheduled Principal 1931,~~551,019~~662.7426 410,~~240~~035,~~971~~477.6902 510,~~791~~967,~~991~~139.4328 Scheduled Interest ~~158~~146,~~368~~463.0755 21,~~026~~954,~~419~~926.6595 2,~~184~~101,~~787~~390.7250 Servicing Fees 8,~~879~~235.5449 ~~109~~105,~~336~~592.7105 ~~118~~113,~~216~~827.2554 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~124~~115.3130 1,~~530~~478.7230 1,~~655~~593.0360 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 4,~~439~~117.7775 0.00 4,~~439~~117.7775 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 ~~144~~133,~~924~~995.4501 1,~~915~~847,~~552~~856.2260 21,~~060~~981,~~476~~851.6761 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.~~080290~~067606 4.~~379939~~374990 4.~~357430~~352751

Miscellaneous Reporting Group 1- 3/1 ARM CPR 3524.~~951939~~923154% Senior Prepayment% 100.000000% Subordinate% 4.~~399112~~720945% Subordinate Prepayment% 0.000000% Senior% 95.~~600888~~279055% Group 2- 5/1 ARM CPR 921.~~281414~~344544% Senior Prepayment% 100.000000% Subordinate% 3.~~511372~~631030% Subordinate Prepayment% 0.000000% Senior% 96.~~488628~~368971%

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