8-K 1 bam0300b_jan.txt JAN. 8K 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): January 26, 2004 BANC OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2003-B Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-101500-05 54-2090868 Pooling and Servicing Agreement) (Commission 54-2102379 (State or other File Number) 54-2102380 jurisdiction IRS EIN of Incorporation) c/o Wells Fargo Bank minnesota, 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) ITEM 5. Other Events On January 26, 2004 a distribution was made to holders of BANC OF AMERICA MORTGAGE SECURITIES, INC., Mortgage Pass-Through Certificates, Series 2003-B Trust. ITEM 7. Financial Statements and Exhibits (c) Exhibits furnished in accordance with Item 601(a) of Regulation S-K Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2003-B Trust, relating to the January 26, 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 2003-B Trust By: Wells Fargo Bank Minnesota, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 2/4/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2003-B Trust, relating to the January 26, 2004 distribution. EX-99.1

Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Record Date: 1112/3031/03 Distribution Date: 121/26/0304 BAM Series: 2003-B Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, 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 1A1 06050HC63 SEN 3.00200% 4645,~~267~~172,~~341~~192.8102 ~~115~~113,~~745~~005.4677 1,~~095~~790,~~149~~111.7907 1AR 06050HC71 SEN 3.00200% 0.00 0.00 0.00 1AMR 06050HC89 SEN 3.00200% 0.00 0.00 0.00 1ALR 06050HC97 SEN 3.00200% 0.00 0.1008 0.00 2A1 06050HD21 SEN 4.41300% 5957,~~058~~119,~~357~~440.3525 ~~217~~210,~~187~~056.1174 12,~~938~~528,~~917~~257.1005 2A2 06050HD39 SEN 4.41300% ~~175~~169,~~521~~758,~~438~~976.0442 ~~645~~624,~~480~~288.0863 57,~~762~~513,~~461~~979.6197 2A3 06050HD47 SEN 1.68500% 0.00 0.00 0.00 2A4 06050HD54 SEN 2.88700% 1710,~~958~~911,~~190~~176.3678 4326,~~204~~250.4147 79,~~047~~188,~~013~~975.5855 2A5 06050HD62 SEN 3.63600% 59,039,000.00 178,888.17 0.00 2A6 06050HD70 SEN 4.10900% 53,966,000.00 184,788.58 0.00 2A7 ~~06050HD70~~06050HD88 SEN 4.08000% 83,685,000.00 284,529.00 0.00 2A8 06050HD96 SEN 4.41300% 1,~~653~~599,~~634~~344.0133 65,~~081~~881.2459 5470,~~289~~791.6820 2AIO 06050HE20 IO 0.~~32547~~28435% 0.00 4336,~~581~~404.0281 0.00 2AP 06050HE38 PO 0.00000% ~~606~~605,~~551~~899.4328 0.00 ~~652~~635.1574 B1 06050HE46 SUB 4.~~14927~~14893% 11,~~360~~353,~~378~~121.6528 39,~~280~~252.9563 7,~~257~~367.3850 B2 06050HE53 SUB 4.~~14927~~14893% 4,~~806~~803,~~505~~434.3075 16,~~619~~607.5355 3,~~070~~117.5514 B3 06050HE61 SUB 4.~~14927~~14893% 3,~~495~~493,~~730~~497.6344 12,~~087~~078.2452 2,~~233~~267.1907 B4 06050HE95 SUB 4.~~14927~~14893% 1,~~747~~746,~~368~~251.0578 6,~~041~~037.9054 1,~~116~~133.2721 B5 06050HF29 SUB 4.~~14927~~14893% 1,~~310~~309,~~774~~937.6731 4,~~532~~529.2802 ~~837~~850.3707 B6 06050HF37 SUB 4.~~14927~~14893% 1,~~748~~747,~~234~~117.2845 6,~~044~~040.8954 1,~~116~~133.8377 WIO 06050HE87 IO 0.~~85141~~84982% 0.00 ~~357~~346,~~998~~065.4759 0.00 SES 06050HE79 SEN 0.00000% 0.00 9493,~~928~~119.1480 0.00 Totals ~~522~~506,~~224~~310,~~504~~389.5809 2,~~257~~187,~~018~~825.5703 1521,~~914~~108,~~115~~619.5034

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1A1 0.00 4543,~~172~~382,~~192~~080.0295 1,~~210~~903,~~895~~116.2584 0.00 1AR 0.00 0.00 0.00 0.00 1AMR 0.00 0.00 0.00 0.00 1ALR 0.00 0.00 0.1008 0.00 2A1 0.00 5754,~~119~~591,~~440~~183.2519 2,~~156~~738,~~104~~313.2179 0.00 2A2 0.00 ~~169~~162,~~758~~244,~~976~~996.4245 68,~~407~~138,~~941~~268.6960 0.00 2A3 0.00 0.00 0.00 0.00 2A4 0.00 101,~~911~~722,~~176~~201.7823 79,~~090~~215,~~217~~226.9902 0.00 2A5 0.00 59,039,000.00 178,888.17 0.00 2A6 0.00 53,966,000.00 184,788.58 0.00 2A7 0.00 83,685,000.00 284,529.00 0.00 2A8 0.00 1,~~599~~528,~~344~~553.3313 6076,~~370~~672.9279 0.00 2AIO 0.00 0.00 4336,~~581~~404.0281 0.00 2AP 0.00 605,~~899~~263.2854 ~~652~~635.1574 0.00 B1 0.00 11,~~353~~345,~~121~~753.2878 46,~~538~~620.3313 0.00 B2 0.00 4,~~803~~800,~~434~~317.7561 19,~~690~~724.0869 0.00 B3 0.00 3,~~493~~491,~~497~~230.4437 14,~~320~~345.4359 0.00 B4 0.00 1,~~746~~745,~~251~~118.7857 7,~~158~~170.1775 0.00 B5 0.00 1,309,~~937~~087.3123 5,~~369~~379.6509 0.00 B6 0.00 1,~~747~~745,~~117~~983.4568 7,~~161~~174.7231 0.00 WIO 0.00 0.00 ~~357~~346,~~998~~065.4759 0.00 SES 0.00 0.00 9493,~~928~~119.1480 0.00 Totals 0.00 ~~506~~485,~~310~~201,~~389~~769.0973 1823,~~171~~296,~~134~~444.0737 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) 1A1 89,979,000.00 4645,~~267~~172,~~341~~192.8102 66,~~338~~121.5846 1,~~028~~723,~~811~~989.2161 0.00 0.00 1AR 50.00 0.00 0.00 0.00 0.00 0.00 1AMR 25.00 0.00 0.00 0.00 0.00 0.00 1ALR 25.00 0.00 0.00 0.00 0.00 0.00 2A1 100,000,000.00 5957,~~058~~119,~~357~~440.3525 3231,~~242~~633.0728 12,~~906~~496,~~675~~623.0378 0.00 0.00 2A2 297,200,000.00 ~~175~~169,~~521~~758,~~438~~976.0442 9594,~~823~~014.4310 57,~~666~~419,~~638~~965.1987 0.00 0.00 2A3 91,762,000.00 0.00 0.00 0.00 0.00 0.00 2A4 74,999,000.00 1710,~~958~~911,~~190~~176.3678 ~~117~~114,~~184~~971.1246 69,~~929~~074,~~829~~004.4609 0.00 0.00 2A5 59,039,000.00 59,039,000.00 0.00 0.00 0.00 0.00 2A6 53,966,000.00 53,966,000.00 0.00 0.00 0.00 0.00 2A7 83,685,000.00 83,685,000.00 0.00 0.00 0.00 0.00 2A8 2,800,000.00 1,~~653~~599,~~634~~344.0133 ~~902~~885.7873 5369,~~386~~905.9047 0.00 0.00 2AIO 0.00 0.00 0.00 0.00 0.00 0.00 2AP 643,981.00 ~~606~~605,~~551~~899.4328 ~~630~~633.8710 212.2764 0.00 0.00 B1 11,423,000.00 11,~~360~~353,~~378~~121.6528 7,~~257~~367.3850 0.00 0.00 0.00 B2 4,833,000.00 4,~~806~~803,~~505~~434.3075 3,~~070~~117.5514 0.00 0.00 0.00 B3 3,515,000.00 3,~~495~~493,~~730~~497.6344 2,~~233~~267.1907 0.00 0.00 0.00 B4 1,757,000.00 1,~~747~~746,~~368~~251.0578 1,~~116~~133.2721 0.00 0.00 0.00 B5 1,318,000.00 1,~~310~~309,~~774~~937.6731 ~~837~~850.3707 0.00 0.00 0.00 B6 1,757,871.00 1,~~748~~747,~~234~~117.2845 1,~~116~~133.8377 0.00 0.00 0.00 WIO 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 878,677,952.00 ~~522~~506,~~224~~310,~~504~~389.5809 ~~328~~324,~~753~~127.4489 1520,~~585~~784,~~362~~491.0646 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 1A1 1,~~095~~790,~~149~~111.7907 4543,~~172~~382,~~192~~080.0295 0.~~50203039~~48213562 1,~~095~~790,~~149~~111.7907 1AR 0.00 0.00 0.00000000 0.00 1AMR 0.00 0.00 0.00000000 0.00 1ALR 0.00 0.00 0.00000000 0.00 2A1 12,~~938~~528,~~917~~257.1005 5754,~~119~~591,~~440~~183.2519 0.~~57119440~~54591183 12,~~938~~528,~~917~~257.1005 2A2 57,~~762~~513,~~461~~979.6197 ~~169~~162,~~758~~244,~~976~~996.4245 0.~~57119440~~54591183 57,~~762~~513,~~461~~979.6197 2A3 0.00 0.00 0.00000000 0.00 2A4 79,~~047~~188,~~013~~975.5855 101,~~911~~722,~~176~~201.7823 0.~~14548430~~02296299 79,~~047~~188,~~013~~975.5855 2A5 0.00 59,039,000.00 1.00000000 0.00 2A6 0.00 53,966,000.00 1.00000000 0.00 2A7 0.00 83,685,000.00 1.00000000 0.00 2A8 5470,~~289~~791.6820 1,~~599~~528,~~344~~553.3313 0.~~57119440~~54591183 5470,~~289~~791.6820 2AIO 0.00 0.00 0.00000000 0.00 2AP ~~652~~635.1574 605,~~899~~263.2854 0.~~94086515~~93987795 ~~652~~635.1574 B1 7,~~257~~367.3850 11,~~353~~345,~~121~~753.2878 0.~~99388263~~99323766 7,~~257~~367.3850 B2 3,~~070~~117.5514 4,~~803~~800,~~434~~317.7561 0.~~99388263~~99323766 3,~~070~~117.5514 B3 2,~~233~~267.1907 3,~~493~~491,~~497~~230.4437 0.~~99388263~~99323766 2,~~233~~267.1907 B4 1,~~116~~133.2721 1,~~746~~745,~~251~~118.7857 0.~~99388263~~99323766 1,~~116~~133.2721 B5 ~~837~~850.3707 1,309,~~937~~087.3123 0.~~99388263~~99323766 ~~837~~850.3707 B6 1,~~116~~133.8377 1,~~747~~745,~~117~~983.4568 0.~~99388263~~99323766 1,~~116~~133.8377 WIO 0.00 0.00 0.00000000 0.00 SES 0.00 0.00 0.00000000 0.00 Totals 1521,~~914~~108,~~115~~619.5034 ~~506~~485,~~310~~201,~~389~~769.0973 0.~~57621838~~55219523 1521,~~914~~108,~~115~~619.5034

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1A1 89,979,000.00 ~~514~~502.~~20155603~~03038509 0.~~73726736~~73485435 1119.~~43390358~~15991076 0.00000000 1AR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 1AMR 25.00 0.00000000 0.00000000 0.00000000 0.00000000 1ALR 25.00 0.00000000 0.00000000 0.00000000 0.00000000 2A1 100,000,000.00 ~~590~~571.~~58357350~~19440250 0.~~32242070~~31633280 1924.~~06675030~~96623780 0.00000000 2A2 297,200,000.00 ~~590~~571.~~58357349~~19440249 0.~~32242069~~31633277 1924.~~06675030~~96623779 0.00000000 2A3 91,762,000.00 0.00000000 0.00000000 0.00000000 0.00000000 2A4 74,999,000.00 ~~239~~145.~~44573074~~48429686 1.~~56247577~~53297324 92120.~~39895812~~98833438 0.00000000 2A5 59,039,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 2A6 53,966,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 2A7 83,685,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 2A8 2,800,000.00 ~~590~~571.~~58357500~~19440357 0.~~32242143~~31633214 1924.~~06675000~~96623929 0.00000000 2AIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 2AP 643,981.00 ~~941~~940.~~87783491~~86514975 0.~~97964070~~98310354 0.~~03302892~~00409950 0.00000000 B1 11,423,000.00 ~~994~~993.~~51795938~~88262978 0.~~63533047~~64497067 0.00000000 0.00000000 B2 4,833,000.00 ~~994~~993.~~51795986~~88262984 0.~~63533002~~64497000 0.00000000 0.00000000 B3 3,515,000.00 ~~994~~993.~~51796017~~88262873 0.~~63533144~~64497013 0.00000000 0.00000000 B4 1,757,000.00 ~~994~~993.~~51795674~~88262948 0.~~63532726~~64496870 0.00000000 0.00000000 B5 1,318,000.00 ~~994~~993.~~51795903~~88263278 0.~~63533384~~64496965 0.00000000 0.00000000 B6 1,757,871.00 ~~994~~993.~~51795951~~88262848 0.~~63533103~~64496769 0.00000000 0.00000000 WIO 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 $1000 denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1A1 0.00000000 1219.~~17117094~~89476511 ~~502~~482.~~03038509~~13561998 0.~~50203039~~48213562 1219.~~17117094~~89476511 1AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1AMR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1ALR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2A1 0.00000000 1925.~~38917100~~28257050 ~~571~~545.~~19440250~~91183190 0.~~57119440~~54591183 1925.~~38917100~~28257050 2A2 0.00000000 1925.~~38917096~~28257056 ~~571~~545.~~19440249~~91183193 0.~~57119440~~54591183 1925.~~38917096~~28257056 2A3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2A4 0.00000000 93122.~~96143389~~52130762 ~~145~~22.~~48429686~~96298924 0.~~14548430~~02296299 93122.~~96143389~~52130762 2A5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 2A6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 2A7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 2A8 0.00000000 1925.~~38917143~~28257143 ~~571~~545.~~19440357~~91183214 0.~~57119440~~54591183 1925.~~38917143~~28257143 2AIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2AP 0.00000000 10.~~01268516~~98720304 ~~940~~939.~~86514975~~87794671 0.~~94086515~~93987795 10.~~01268516~~98720304 B1 0.00000000 0.~~63533047~~64497067 993.~~88262978~~23765911 0.~~99388263~~99323766 0.~~63533047~~64497067 B2 0.00000000 0.~~63533002~~64497000 993.~~88262984~~23765984 0.~~99388263~~99323766 0.~~63533002~~64497000 B3 0.00000000 0.~~63533144~~64497013 993.~~88262873~~23765861 0.~~99388263~~99323766 0.~~63533144~~64497013 B4 0.00000000 0.~~63532726~~64496870 993.~~88262948~~23766079 0.~~99388263~~99323766 0.~~63532726~~64496870 B5 0.00000000 0.~~63533384~~64496965 993.~~88263278~~23765554 0.~~99388263~~99323766 0.~~63533384~~64496965 B6 0.00000000 0.~~63533103~~64496769 993.~~88262848~~23766078 0.~~99388263~~99323766 0.~~63533103~~64496769 WIO 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 1A1 89,979,000.00 3.00200% 4645,~~267~~172,~~341~~192.8102 ~~115~~113,~~745~~005.4777 0.00 0.00 1AR 50.00 3.00200% 0.00 0.00 0.00 0.00 1AMR 25.00 3.00200% 0.00 0.00 0.00 0.00 1ALR 25.00 3.00200% 0.00 0.00 0.00 0.00 2A1 100,000,000.00 4.41300% 5957,~~058~~119,~~357~~440.3525 ~~217~~210,~~187~~056.1174 0.00 0.00 2A2 297,200,000.00 4.41300% ~~175~~169,~~521~~758,~~438~~976.0442 ~~645~~624,~~480~~288.0964 0.00 0.00 2A3 91,762,000.00 1.68500% 0.00 0.00 0.00 0.00 2A4 74,999,000.00 2.88700% 1710,~~958~~911,~~190~~176.3678 4326,~~204~~250.4147 0.00 0.00 2A5 59,039,000.00 3.63600% 59,039,000.00 178,888.17 0.00 0.00 2A6 53,966,000.00 4.10900% 53,966,000.00 184,788.58 0.00 0.00 2A7 83,685,000.00 4.08000% 83,685,000.00 284,529.00 0.00 0.00 2A8 2,800,000.00 4.41300% 1,~~653~~599,~~634~~344.0133 65,~~081~~881.2459 0.00 0.00 2AIO 0.00 0.~~32547~~28435% ~~160~~153,~~682~~635,~~190~~176.3678 4336,~~581~~404.0281 0.00 0.00 2AP 643,981.00 0.00000% ~~606~~605,~~551~~899.4328 0.00 0.00 0.00 B1 11,423,000.00 4.~~14927~~14893% 11,~~360~~353,~~378~~121.6528 39,~~280~~252.9563 0.00 0.00 B2 4,833,000.00 4.~~14927~~14893% 4,~~806~~803,~~505~~434.3075 16,~~619~~607.5355 0.00 0.00 B3 3,515,000.00 4.~~14927~~14893% 3,~~495~~493,~~730~~497.6344 12,~~087~~078.2452 0.00 0.00 B4 1,757,000.00 4.~~14927~~14893% 1,~~747~~746,~~368~~251.0578 6,~~041~~037.9054 0.00 0.00 B5 1,318,000.00 4.~~14927~~14893% 1,~~310~~309,~~774~~937.6731 4,~~532~~529.2802 0.00 0.00 B6 1,757,871.00 4.~~14927~~14893% 1,~~748~~747,~~234~~117.2845 6,~~044~~040.8954 0.00 0.00 WIO 0.00 0.~~85141~~84982% ~~504~~488,~~572~~669,~~399~~363.3343 ~~357~~346,~~998~~065.4759 0.00 0.00 SES 0.00 0.00000% ~~522~~506,~~224~~310,~~505~~389.0859 0.00 0.00 0.00 Totals 878,677,952.00 2,~~162~~094,~~090~~705.3516 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 1A1 0.00 0.00 ~~115~~113,~~745~~005.4677 0.00 4543,~~172~~382,~~192~~080.0295 1AR 0.00 0.00 0.00 0.00 0.00 1AMR 0.00 0.00 0.00 0.00 0.00 1ALR 0.00 0.00 0.1008 0.00 0.00 2A1 0.00 0.00 ~~217~~210,~~187~~056.1174 0.00 5754,~~119~~591,~~440~~183.2519 2A2 0.0100 0.00 ~~645~~624,~~480~~288.0863 0.00 ~~169~~162,~~758~~244,~~976~~996.4245 2A3 0.00 0.00 0.00 0.00 0.00 2A4 0.00 0.00 4326,~~204~~250.4147 0.00 101,~~911~~722,~~176~~201.7823 2A5 0.00 0.00 178,888.17 0.00 59,039,000.00 2A6 0.00 0.00 184,788.58 0.00 53,966,000.00 2A7 0.00 0.00 284,529.00 0.00 83,685,000.00 2A8 0.00 0.00 65,~~081~~881.2459 0.00 1,~~599~~528,~~344~~553.3313 2AIO 0.00 0.00 4336,~~581~~404.0281 0.00 ~~153~~144,~~635~~446,~~176~~201.7823 2AP 0.00 0.00 0.00 0.00 605,~~899~~263.2854 B1 0.00 0.00 39,~~280~~252.9563 0.00 11,~~353~~345,~~121~~753.2878 B2 0.00 0.00 16,~~619~~607.5355 0.00 4,~~803~~800,~~434~~317.7561 B3 0.00 0.00 12,~~087~~078.2452 0.00 3,~~493~~491,~~497~~230.4437 B4 0.00 0.00 6,~~041~~037.9054 0.00 1,~~746~~745,~~251~~118.7857 B5 0.00 0.00 4,~~532~~529.2802 0.00 1,309,~~937~~087.3123 B6 0.00 0.00 6,~~044~~040.8954 0.00 1,~~747~~745,~~117~~983.4568 WIO 0.00 0.00 ~~357~~346,~~998~~065.4759 0.00 ~~488~~467,~~669~~571,~~363~~662.43 SES 0.00 0.00 9493,~~928~~119.1480 0.00 ~~506~~485,~~310~~201,~~389~~770.5925 Totals 0.0100 0.00 2,~~257~~187,~~018~~825.5703 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 1A1 89,979,000.00 3.00200% ~~514~~502.~~20155603~~03038509 1.~~28636093~~25591271 0.00000000 0.00000000 1AR 50.00 3.00200% 0.00000000 0.00000000 0.00000000 0.00000000 1AMR 25.00 3.00200% 0.00000000 0.00000000 0.00000000 0.00000000 1ALR 25.00 3.00200% 0.00000000 0.00000000 0.00000000 0.00000000 2A1 100,000,000.00 4.41300% ~~590~~571.~~58357350~~19440250 2.~~17187110~~10056740 0.00000000 0.00000000 2A2 297,200,000.00 4.41300% ~~590~~571.~~58357349~~19440249 2.~~17187110~~10056743 0.00000000 0.00000000 2A3 91,762,000.00 1.68500% 0.00000000 0.00000000 0.00000000 0.00000000 2A4 74,999,000.00 2.88700% ~~239~~145.~~44573074~~48429686 0.~~57606648~~35001093 0.00000000 0.00000000 2A5 59,039,000.00 3.63600% 1000.00000000 3.03000000 0.00000000 0.00000000 2A6 53,966,000.00 4.10900% 1000.00000000 3.42416670 0.00000000 0.00000000 2A7 83,685,000.00 4.08000% 1000.00000000 3.40000000 0.00000000 0.00000000 2A8 2,800,000.00 4.41300% ~~590~~571.~~58357500~~19440357 2.~~17187143~~10056786 0.00000000 0.00000000 2AIO 0.00 0.~~32547~~28435% ~~519~~496.~~19217526~~42204559 0.~~14081787~~11763029 0.00000000 0.00000000 2AP 643,981.00 0.00000% ~~941~~940.~~87783491~~86514975 0.00000000 0.00000000 0.00000000 B1 11,423,000.00 4.~~14927~~14893% ~~994~~993.~~51795938~~88262978 3.~~43875952~~43628031 0.00000000 0.00000000 B2 4,833,000.00 4.~~14927~~14893% ~~994~~993.~~51795986~~88262984 3.~~43876060~~43628181 0.00000000 0.00000000 B3 3,515,000.00 4.~~14927~~14893% ~~994~~993.~~51796017~~88262873 3.~~43875960~~43627881 0.00000000 0.00000000 B4 1,757,000.00 4.~~14927~~14893% ~~994~~993.~~51795674~~88262948 3.~~43875925~~43627775 0.00000000 0.00000000 B5 1,318,000.00 4.~~14927~~14893% ~~994~~993.~~51795903~~88263278 3.~~43875569~~43628225 0.00000000 0.00000000 B6 1,757,871.00 4.~~14927~~14893% ~~994~~993.~~51795951~~88262848 3.~~43875631~~43628173 0.00000000 0.00000000 WIO 0.00 0.~~85141~~84982% ~~586~~568.~~81063208~~31562411 0.~~41634721~~40246943 0.00000000 0.00000000 SES 0.00 0.00000% ~~594~~576.~~32981616~~21838469 0.00000000 0.00000000 0.00000000 (5) All classes are per $1000 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 1A1 0.00000000 0.00000000 1.~~28636082~~25591271 0.00000000 ~~502~~482.~~03038509~~13561998 1AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1AMR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1ALR 0.00000000 0.00000000 43.~~00000000~~20000000 0.00000000 0.00000000 2A1 0.00000000 0.00000000 2.~~17187110~~10056740 0.00000000 ~~571~~545.~~19440250~~91183190 2A2 0.~~00000003~~00000000 0.00000000 2.~~17187106~~10056740 0.00000000 ~~571~~545.~~19440249~~91183193 2A3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2A4 0.00000000 0.00000000 0.~~57606648~~35001093 0.00000000 ~~145~~22.~~48429686~~96298924 2A5 0.00000000 0.00000000 3.03000000 0.00000000 1000.00000000 2A6 0.00000000 0.00000000 3.42416670 0.00000000 1000.00000000 2A7 0.00000000 0.00000000 3.40000000 0.00000000 1000.00000000 2A8 0.00000000 0.00000000 2.~~17187143~~10056786 0.00000000 ~~571~~545.~~19440357~~91183214 2AIO 0.00000000 0.00000000 0.~~14081787~~11763029 0.00000000 ~~496~~466.~~42204559~~73086331 2AP 0.00000000 0.00000000 0.00000000 0.00000000 ~~940~~939.~~86514975~~87794671 B1 0.00000000 0.00000000 3.~~43875952~~43628031 0.00000000 993.~~88262978~~23765911 B2 0.00000000 0.00000000 3.~~43876060~~43628181 0.00000000 993.~~88262984~~23765984 B3 0.00000000 0.00000000 3.~~43875960~~43627881 0.00000000 993.~~88262873~~23765861 B4 0.00000000 0.00000000 3.~~43875925~~43627775 0.00000000 993.~~88262948~~23766079 B5 0.00000000 0.00000000 3.~~43875569~~43628225 0.00000000 993.~~88263278~~23765554 B6 0.00000000 0.00000000 3.~~43875631~~43628173 0.00000000 993.~~88262848~~23766078 WIO 0.00000000 0.00000000 0.~~41634721~~40246943 0.00000000 ~~568~~543.~~31562411~~77929339 SES 0.00000000 0.00000000 0.~~10803519~~10597717 0.00000000 ~~576~~552.~~21838469~~19522659 (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 WIO-1 1.~~39813~~39746% ~~48,827,478.66~~ 47,728,658.12 45,934,804.99 0.00 0.00 5149.~~55879944~~62099273% WIO-2 0.~~79284~~79054% ~~455,744,920.67~~ 440,940,705.31 421,636,857.44 0.00 0.00 5754.~~46771073~~95184424% SES-1 0.00000% ~~48,827,478.66~~ 47,728,658.12 45,934,804.99 0.00 0.00 5149.~~55879944~~62099273% SES-2 0.00000% ~~473,397,026.42~~ 458,581,731.47 439,266,965.26 0.00 0.00 5855.~~33581729~~87880124%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 1823,~~194~~318,~~199~~806.0169 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 1823,~~194~~318,~~199~~806.0169 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 2322,~~064~~362.9432 Payment of Interest and Principal 1823,~~171~~296,~~134~~444.0737 Total Withdrawals (Pool Distribution Amount) 1823,~~194~~318,~~199~~806.0169 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 21,~~759~~096.3526 Wells Fargo Trustee Fee 1,~~305~~266.5906 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 2322,~~064~~362.9432

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 87 0 0 0 87 3,~~603~~696,~~353~~529.0749 0.00 0.00 0.00 3,~~603~~696,~~353~~529.0749 60 Days 01 0 0 0 01 0435,197.0055 0.00 0.00 0.00 0435,197.0055 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 8 0 0 0 8 34,~~603~~131,~~353~~727.0704 0.00 0.00 0.00 34,~~603~~131,~~353~~727.0704 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.~~815494~~742312% 0.000000% 0.000000% 0.000000% 0.~~815494~~742312% 0.~~711291~~761445% 0.000000% 0.000000% 0.000000% 0.~~711291~~761445% 60 Days 0.~~000000~~106045% 0.000000% 0.000000% 0.000000% 0.~~000000~~106045% 0.~~000000~~089646% 0.000000% 0.000000% 0.000000% 0.~~000000~~089646% 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.~~815494~~848356% 0.000000% 0.000000% 0.000000% 0.~~815494~~848356% 0.~~711291~~851091% 0.000000% 0.000000% 0.000000% 0.~~711291~~851091%

Delinquency Status By Groups

DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 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 20 0 0 0 20 ~~736,649~~0.3500 0.00 0.00 0.00 ~~736,649~~0.3500 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 20 0 0 0 20 ~~736,649~~0.3500 0.00 0.00 0.00 ~~736,649~~0.3500 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 20.~~105263~~000000% 0.000000% 0.000000% 0.000000% 20.~~105263~~000000% 10.~~541404~~000000% 0.000000% 0.000000% 0.000000% 10.~~541404~~000000% 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 20.~~105263~~000000% 0.000000% 0.000000% 0.000000% 20.~~105263~~000000% 10.~~541404~~000000% 0.000000% 0.000000% 0.000000% 10.~~541404~~000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 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 67 0 0 0 67 23,~~866~~696,~~703~~529.7249 0.00 0.00 0.00 23,~~866~~696,~~703~~529.7249 60 Days 01 0 0 0 01 0435,197.0055 0.00 0.00 0.00 0435,197.0055 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 24,~~866~~131,~~703~~727.7204 0.00 0.00 0.00 24,~~866~~131,~~703~~727.7204 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~677201~~822562% 0.000000% 0.000000% 0.000000% 0.~~677201~~822562% 0.~~624823~~841128% 0.000000% 0.000000% 0.000000% 0.~~624823~~841128% 60 Days 0.~~000000~~117509% 0.000000% 0.000000% 0.000000% 0.~~000000~~117509% 0.~~000000~~099027% 0.000000% 0.000000% 0.000000% 0.~~000000~~099027% 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.~~677201~~940071% 0.000000% 0.000000% 0.000000% 0.~~677201~~940071% 0.~~624823~~940155% 0.000000% 0.000000% 0.000000% 0.~~624823~~940155%

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 5.~~232242~~228790% Weighted Average Pass-Through Rate 4.~~967555~~964006% Weighted Average Maturity(Stepdown Calculation ) ~~347~~346 Beginning Scheduled Collateral Loan Count ~~1,010~~981 Number Of Loans Paid In Full 2938 Ending Scheduled Collateral Loan Count ~~981~~943 Beginning Scheduled Collateral Balance ~~522~~506,~~224~~310,~~505~~389.0859 Ending Scheduled Collateral Balance ~~506~~485,~~310~~201,~~389~~770.5925 Ending Actual Collateral Balance at 3031-~~Nov~~Dec-2003 ~~506~~485,~~593~~462,~~052~~418.4487 Monthly P &I Constant 2,~~605~~530,~~757~~286.7760 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Optimal Amount 1723,~~975~~102,~~315~~274.3321 Class AP Deferred Amount 0.00 Ending Scheduled Balance for Premium Loans ~~506~~485,~~310~~201,~~389~~770.5925 Scheduled Principal ~~328~~324,~~753~~127.4389 Unscheduled Principal 1520,~~585~~784,~~362~~491.0645

Miscellaneous Reporting Total Senior % 95.~~309020~~164496% Aggregate Subordinate % 4.~~690980~~835504%

Group Level Collateral Statement Group 1 2 Total Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~778127~~777458 5.~~279081~~275764 5.~~232242~~228790 Weighted Average Net Rate 4.~~528127~~527458 5.~~029081~~025764 4.~~982242~~978790 Weighted Average Maturity ~~344~~343 ~~348~~ 347 346 Beginning Loan Count 9795 ~~913~~886 ~~1,010~~981 Loans Paid In Full 23 2735 2938 Ending Loan Count 9592 ~~886~~851 ~~981~~943 Beginning Scheduled Balance 4847,~~827~~728,~~478~~658.6612 ~~473~~458,~~397~~581,~~026~~731.4247 ~~522~~506,~~224~~310,~~505~~389.0859 Ending scheduled Balance 4745,~~728~~934,~~658~~804.1299 ~~458~~439,~~581~~266,~~731~~965.4726 ~~506~~485,~~310~~201,~~389~~770.5925 Record Date 1112/3031/2003 1112/3031/2003 1112/3031/2003 Principal And Interest Constant ~~264~~259,~~429~~881.2458 2,~~341~~270,~~328~~405.5302 2,~~605~~530,~~757~~286.7760 Scheduled Principal 7069,~~009~~863.3352 ~~258~~254,~~744~~264.1037 ~~328~~324,~~753~~127.4389 Unscheduled Principal 1,~~028~~723,~~811~~989.2161 1419,~~556~~060,~~550~~501.8584 1520,~~585~~784,~~362~~491.0645 Scheduled Interest ~~194~~190,~~419~~018.9106 2,~~082~~016,~~584~~140.4365 2,~~277~~206,~~004~~158.3471 Servicing Fees 109,~~172~~943.3849 9895,~~624~~537.3684 ~~108~~105,~~796~~481.7433 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~122~~119.0730 1,~~183~~146.5248 1,~~305~~265.5978 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 54,~~086~~971.1871 0.00 54,~~086~~971.1871 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 ~~179~~174,~~039~~983.2856 1,~~982~~919,~~776~~456.5533 2,~~161~~094,~~815~~439.8389 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.~~400127~~399458 5.~~026081~~022764 4.~~967555~~964006

Miscellaneous Reporting Group 1 CPR 2235.~~579349~~733318% Subordinate % 5.~~243230~~356250% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 94.~~756770~~643750% Group 2 CPR 3139.~~270382~~933558% Subordinate % 4.~~633946~~781233% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.~~366054~~218767%

Filing Compare · BANC OF AMERICA MORT SEC INC MORT PASS THR CERT SER 2003-B