8-K 1 bam0400a_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-A Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-105940-23 Pooling and Servicing Agreement) (Commission 54-2142315 (State or other File Number) 54-2142316 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-A 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-A 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-A 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-A 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-A 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 05948XS69 SEN 3.~~46727~~47217% 4643,~~906~~452,~~884~~743.3329 ~~135~~125,~~532~~729.2538 ~~864~~1,~~943~~029,914.8963 1-A-R 05948XS77 SEN 3.~~48798~~48743% 0.00 0.00 0.00 1-A-LR 05948XS85 SEN 3.~~48798~~48743% 0.00 0.2019 0.00 2-A-1 05948XS93 SEN 3.~~60429~~59619% ~~107~~102,~~093~~662,~~147~~617.4617 ~~321~~307,662.0826 12,~~270~~265,~~193~~097.7602 2-A-2 05948XT27 SEN 4.~~15529~~14719% ~~321~~308,~~602~~297,~~296~~349.7110 1,~~113~~065,~~625~~474.0016 36,~~814~~802,~~410~~119.5367 2-A-3 05948XT35 SEN 3.~~60429~~59619% 15,~~748~~097,~~992~~443.2770 4745,~~303~~244.2545 ~~186~~333,~~793~~102.2050 2-A-4 05948XT43 SEN 3.~~60429~~59619% ~~470~~451,~~894~~413.8757 1,~~414~~352.3781 59,~~585~~959.1276 3-A-1 05948XT50 SEN 3.~~94917~~94590% 3534,~~570~~983,~~482~~767.2717 ~~117~~115,~~061~~035.5725 471,~~517~~099,766.1083 B-1 05948XT68 SUB 3.~~94615~~93974% 9,~~302~~281,~~887~~544.3235 30,~~592~~472.1635 7,~~105~~180.8313 B-2 05948XT76 SUB 3.~~94615~~93974% 4,~~134~~124,~~063~~579.8333 13,~~594~~541.7046 3,~~157~~190.7274 B-3 05948XT84 SUB 3.~~94615~~93974% 2,~~067~~062,~~529~~786.4001 6,~~798~~772.9936 1,~~579~~595.2476 B-4 05948XU58 SUB 3.~~94615~~93974% 2,~~066~~061,~~534~~793.4433 6,~~795~~769.7110 1,~~578~~594.4899 B-5 05948XU66 SUB 3.~~94615~~93974% 1,~~378~~374,~~021~~859.2878 4,~~531~~513.5782 1,~~052~~063.5758 B-6 05948XU74 SUB 3.~~94615~~93974% 1,~~034~~032,~~440~~067.2500 3,~~401~~388.7139 ~~790~~798.1440 1-IO 05948XU25 SEN 0.77500% 0.00 3129,~~577~~341.4543 0.00 2-IO 05948XU33 SEN 0.43971% 0.00 ~~169~~162,~~187~~430.0120 0.00 3-IO 05948XU41 SEN 1.01500% 0.00 3130,~~096~~595.1191 0.00 SES 05948XT92 SEN 0.00000% 0.00 98106,~~214~~450.6526 0.00 Totals ~~547~~524,~~376~~882,~~174~~963.4380 2,~~132~~054,~~388~~773.78 611,~~204~~555,~~707~~384.5801

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 4642,~~041~~422,~~940~~828.4567 1,~~000~~155,~~476~~644.1401 0.00 1-A-R 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.2019 0.00 2-A-1 0.00 ~~105~~100,~~822~~397,~~953~~520.7014 12,~~591~~572,~~855~~759.8428 0.00 2-A-2 0.00 ~~317~~301,~~787~~495,~~886~~229.1843 47,~~928~~867,~~035~~593.5383 0.00 2-A-3 0.00 1514,~~562~~764,~~199~~341.0720 ~~234~~378,~~096~~346.4595 0.00 2-A-4 0.00 ~~465~~441,~~309~~453.7580 611,~~999~~312.4957 0.00 3-A-1 0.00 3533,~~522~~884,~~965~~000.1834 ~~164~~1,~~578~~214,802.6708 0.00 B-1 0.00 9,~~295~~274,~~781~~364.5022 37,~~697~~652.9948 0.00 B-2 0.00 4,~~130~~121,~~906~~388.1159 16,~~752~~732.4220 0.00 B-3 0.00 2,~~065~~061,~~950~~190.1625 8,~~378~~368.2312 0.00 B-4 0.00 2,~~064~~060,~~955~~198.9534 8,~~374~~364.1909 0.00 B-5 0.00 1,~~376~~373,~~968~~796.7020 5,~~584~~577.1440 0.00 B-6 0.00 1,~~033~~031,~~650~~268.1160 4,~~191~~186.8579 0.00 1-IO 0.00 0.00 3129,~~577~~341.4543 0.00 2-IO 0.00 0.00 ~~169~~162,~~187~~430.0120 0.00 3-IO 0.00 0.00 3130,~~096~~595.1191 0.00 SES 0.00 0.00 98106,~~214~~450.6526 0.00 Totals 0.00 ~~541~~513,~~171~~327,~~466~~579.8678 813,~~337~~610,~~096~~157.3679 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 67,155,000.00 4643,~~906~~452,~~884~~743.3329 6359,~~363~~617.8363 ~~801~~970,~~580~~297.0600 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-1 136,000,000.00 ~~107~~102,~~093~~662,~~147~~617.4617 7068,~~327~~187.9740 12,~~199~~196,~~865~~909.7963 0.00 0.00 2-A-2 408,410,000.00 ~~321~~308,~~602~~297,~~296~~349.7110 ~~211~~204,~~195~~767.9275 36,~~603~~597,~~214~~351.6192 0.00 0.00 2-A-3 20,000,000.00 15,~~748~~097,~~992~~443.2770 10,~~342~~027.3556 ~~176~~323,~~450~~074.8595 0.00 0.00 2-A-4 598,000.00 ~~470~~451,~~894~~413.8757 ~~309~~299.2482 59,~~275~~659.8894 0.00 0.00 3-A-1 40,293,000.00 3534,~~570~~983,~~482~~767.2717 46,~~054~~201.5247 1,~~462~~053,565.5836 0.00 0.00 B-1 9,350,000.00 9,~~302~~281,~~887~~544.3235 7,~~105~~180.8313 0.00 0.00 0.00 B-2 4,155,000.00 4,~~134~~124,~~063~~579.8333 3,~~157~~190.7274 0.00 0.00 0.00 B-3 2,078,000.00 2,~~067~~062,~~529~~786.4001 1,~~579~~595.2476 0.00 0.00 0.00 B-4 2,077,000.00 2,~~066~~061,~~534~~793.4433 1,~~578~~594.4899 0.00 0.00 0.00 B-5 1,385,000.00 1,~~378~~374,~~021~~859.2878 1,~~052~~063.5758 0.00 0.00 0.00 B-6 1,039,678.97 1,~~034~~032,~~440~~067.2500 ~~790~~798.1440 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 3-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 692,540,778.97 ~~547~~524,~~376~~882,~~174~~963.4380 ~~416~~404,~~857~~525.8123 511,~~787~~150,~~849~~858.7780 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 ~~864~~1,~~943~~029,914.8963 4642,~~041~~422,~~940~~828.4567 0.~~68560704~~63171512 ~~864~~1,~~943~~029,914.8963 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 12,~~270~~265,~~193~~097.7602 ~~105~~100,~~822~~397,~~953~~520.7014 0.~~77810995~~73821706 12,~~270~~265,~~193~~097.7602 2-A-2 36,~~814~~802,~~410~~119.5367 ~~317~~301,~~787~~495,~~886~~229.1843 0.~~77810995~~73821706 36,~~814~~802,~~410~~119.5367 2-A-3 ~~186~~333,~~793~~102.2050 1514,~~562~~764,~~199~~341.0720 0.~~77810995~~73821706 ~~186~~333,~~793~~102.2050 2-A-4 59,~~585~~959.1276 ~~465~~441,~~309~~453.7580 0.~~77810995~~73821706 59,~~585~~959.1276 3-A-1 471,~~517~~099,766.1083 3533,~~522~~884,~~965~~000.1834 0.~~88161629~~84094012 471,~~517~~099,766.1083 B-1 7,~~105~~180.8313 9,~~295~~274,~~781~~364.5022 0.~~99420123~~99191061 7,~~105~~180.8313 B-2 3,~~157~~190.7274 4,~~130~~121,~~906~~388.1159 0.~~99420123~~99191061 3,~~157~~190.7274 B-3 1,~~579~~595.2476 2,~~065~~061,~~950~~190.1625 0.~~99420123~~99191061 1,~~579~~595.2476 B-4 1,~~578~~594.4899 2,~~064~~060,~~955~~198.9534 0.~~99420123~~99191061 1,~~578~~594.4899 B-5 1,~~052~~063.5758 1,~~376~~373,~~968~~796.7020 0.~~99420123~~99191061 1,~~052~~063.5758 B-6 ~~790~~798.1440 1,~~033~~031,~~650~~268.1160 0.~~99420123~~99191061 ~~790~~798.1440 1-IO 0.00 0.00 0.00000000 0.00 2-IO 0.00 0.00 0.00000000 0.00 3-IO 0.00 0.00 0.00000000 0.00 SES 0.00 0.00 0.00000000 0.00 Totals 611,~~204~~555,~~707~~384.5801 ~~541~~513,~~171~~327,~~466~~579.8678 0.~~78142903~~74122362 611,~~204~~555,~~707~~384.5801

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 67,155,000.00 ~~698~~647.~~48684878~~05149713 0.~~94354598~~88776160 1114.~~93626774~~44861887 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-1 136,000,000.00 ~~787~~754.~~44961368~~87218507 0.~~51711743~~50137794 816.~~82254257~~15374728 0.00000000 2-A-2 408,410,000.00 ~~787~~754.~~44961365~~87218506 0.~~51711741~~50137790 816.~~82254257~~15374726 0.00000000 2-A-3 20,000,000.00 ~~787~~754.~~44961350~~87218500 0.~~51711750~~50137800 816.~~82254250~~15374750 0.00000000 2-A-4 598,000.00 ~~787~~754.~~44961538~~87219064 0.~~51712375~~50137124 816.~~82254181~~15374582 0.00000000 3-A-1 40,293,000.00 ~~882~~868.~~79557913~~23436254 1.~~14299059~~14663763 026.~~03629861~~14760281 0.00000000 B-1 9,350,000.00 ~~994~~992.~~96121070~~67854011 0.~~75998182~~76792834 0.00000000 0.00000000 B-2 4,155,000.00 ~~994~~992.~~96121059~~67853911 0.~~75998075~~76792780 0.00000000 0.00000000 B-3 2,078,000.00 ~~994~~992.~~96121270~~67854187 0.~~75998075~~76793070 0.00000000 0.00000000 B-4 2,077,000.00 ~~994~~992.~~96121329~~67854117 0.~~75998074~~76792971 0.00000000 0.00000000 B-5 1,385,000.00 ~~994~~992.~~96121300~~67854152 0.~~75997834~~76792780 0.00000000 0.00000000 B-6 1,039,678.97 ~~994~~992.~~96121384~~67853807 0.~~75998459~~76792935 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 3-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 1215.~~87981371~~33638046 ~~685~~631.~~60703522~~71511682 0.~~68560704~~63171512 1215.~~87981371~~33638046 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 916.~~33966000~~65512515 ~~778~~738.~~10995368~~21705985 0.~~77810995~~73821706 916.~~33966000~~65512515 2-A-2 0.00000000 916.~~33965997~~65512517 ~~778~~738.~~10995367~~21705989 0.~~77810995~~73821706 916.~~33965997~~65512517 2-A-3 0.00000000 916.~~33966000~~65512500 ~~778~~738.~~10995350~~21706000 0.~~77810995~~73821706 916.~~33966000~~65512500 2-A-4 0.00000000 916.~~33966555~~65511706 ~~778~~738.~~10994983~~21705686 0.~~77810995~~73821706 916.~~33966555~~65511706 3-A-1 0.00000000 127.~~17928921~~29424044 ~~881~~840.~~61629017~~94012211 0.~~88161629~~84094012 127.~~17928921~~29424044 B-1 0.00000000 0.~~75998182~~76792834 ~~994~~991.~~20122995~~91061176 0.~~99420123~~99191061 0.~~75998182~~76792834 B-2 0.00000000 0.~~75998075~~76792780 ~~994~~991.~~20122984~~91061131 0.~~99420123~~99191061 0.~~75998075~~76792780 B-3 0.00000000 0.~~75998075~~76793070 ~~994~~991.~~20123195~~91061116 0.~~99420123~~99191061 0.~~75998075~~76793070 B-4 0.00000000 0.~~75998074~~76792971 ~~994~~991.~~20122773~~91061146 0.~~99420123~~99191061 0.~~75998074~~76792971 B-5 0.00000000 0.~~75997834~~76792780 ~~994~~991.~~20122744~~91061372 0.~~99420123~~99191061 0.~~75997834~~76792780 B-6 0.00000000 0.~~75998459~~76792935 ~~994~~991.~~20122925~~91060871 0.~~99420123~~99191061 0.~~75998459~~76792935 1-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3-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 67,155,000.00 3.~~46727~~47217% 4643,~~906~~452,~~884~~743.3329 ~~135~~125,~~532~~729.2538 0.00 0.00 1-A-R 50.00 3.~~48798~~48743% 0.00 0.00 0.00 0.00 1-A-LR 50.00 3.~~48798~~48743% 0.00 0.00 0.00 0.00 2-A-1 136,000,000.00 3.~~60429~~59619% ~~107~~102,~~093~~662,~~147~~617.4617 ~~321~~307,662.0726 0.00 0.00 2-A-2 408,410,000.00 4.~~15529~~14719% ~~321~~308,~~602~~297,~~296~~349.7110 1,~~113~~065,~~625~~474.0016 0.00 0.00 2-A-3 20,000,000.00 3.~~60429~~59619% 15,~~748~~097,~~992~~443.2770 4745,~~303~~244.2545 0.00 0.00 2-A-4 598,000.00 3.~~60429~~59619% ~~470~~451,~~894~~413.8757 1,~~414~~352.3781 0.00 0.00 3-A-1 40,293,000.00 3.~~94917~~94590% 3534,~~570~~983,~~482~~767.2717 ~~117~~115,~~061~~035.5725 0.00 0.00 B-1 9,350,000.00 3.~~94615~~93974% 9,~~302~~281,~~887~~544.3235 30,~~592~~472.1635 0.00 0.00 B-2 4,155,000.00 3.~~94615~~93974% 4,~~134~~124,~~063~~579.8333 13,~~594~~541.7046 0.00 0.00 B-3 2,078,000.00 3.~~94615~~93974% 2,~~067~~062,~~529~~786.4001 6,~~798~~772.9936 0.00 0.00 B-4 2,077,000.00 3.~~94615~~93974% 2,~~066~~061,~~534~~793.4433 6,~~795~~769.7110 0.00 0.00 B-5 1,385,000.00 3.~~94615~~93974% 1,~~378~~374,~~021~~859.2878 4,~~531~~513.5782 0.00 0.00 B-6 1,039,678.97 3.~~94615~~93974% 1,~~034~~032,~~440~~067.2500 3,~~401~~388.7139 0.00 0.00 1-IO 0.00 0.77500% 4845,~~894~~431,~~112~~885.2215 3129,~~577~~341.4543 0.00 0.00 2-IO 0.00 0.43971% ~~461~~443,~~718~~278,~~187~~576.7147 ~~169~~162,~~187~~430.0120 0.00 0.00 3-IO 0.00 1.01500% 36,~~763~~172,~~874~~502.5018 3130,~~096~~595.1191 0.00 0.00 SES 0.00 0.00000% ~~547~~524,~~376~~882,~~174~~963.4380 0.00 0.00 0.00 Totals 692,540,778.97 21,~~034~~948,~~173~~323.9233 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 ~~135~~125,~~532~~729.2538 0.00 4642,~~041~~422,~~940~~828.4567 1-A-R 0.00 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.2019 0.00 0.00 2-A-1 0.00 0.00 ~~321~~307,662.0826 0.00 ~~105~~100,~~822~~397,~~953~~520.7014 2-A-2 0.00 0.00 1,~~113~~065,~~625~~474.0016 0.00 ~~317~~301,~~787~~495,~~886~~229.1843 2-A-3 0.00 0.00 4745,~~303~~244.2545 0.00 1514,~~562~~764,~~199~~341.0720 2-A-4 0.00 0.00 1,~~414~~352.3781 0.00 ~~465~~441,~~309~~453.7580 3-A-1 0.00 0.00 ~~117~~115,~~061~~035.5725 0.00 3533,~~522~~884,~~965~~000.1834 B-1 0.00 0.00 30,~~592~~472.1635 0.00 9,~~295~~274,~~781~~364.5022 B-2 0.00 0.00 13,~~594~~541.7046 0.00 4,~~130~~121,~~906~~388.1159 B-3 0.00 0.00 6,~~798~~772.9936 0.00 2,~~065~~061,~~950~~190.1625 B-4 0.00 0.00 6,~~795~~769.7110 0.00 2,~~064~~060,~~955~~198.9534 B-5 0.00 0.00 4,~~531~~513.5782 0.00 1,~~376~~373,~~968~~796.7020 B-6 0.00 0.00 3,~~401~~388.7139 0.00 1,~~033~~031,~~650~~268.1160 1-IO 0.00 0.00 3129,~~577~~341.4543 0.00 4844,~~026~~399,~~483~~255.9012 2-IO 0.00 0.00 ~~169~~162,~~187~~430.0120 0.00 ~~456~~433,~~430~~857,~~170~~159.6922 3-IO 0.00 0.00 3130,~~096~~595.1191 0.00 3635,~~714~~071,~~812~~165.2744 SES 0.00 0.00 98106,~~214~~450.6526 0.00 ~~541~~513,~~171~~327,~~466~~579.8678 Totals 0.00 0.00 2,~~132~~054,~~388~~773.78 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 67,155,000.00 3.~~46727~~47217% ~~698~~647.~~48684878~~05149713 21.~~01820043~~87222664 0.00000000 0.00000000 1-A-R 50.00 3.~~48798~~48743% 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 50.00 3.~~48798~~48743% 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 136,000,000.00 3.~~60429~~59619% ~~787~~754.~~44961368~~87218507 2.~~36516228~~26222250 0.00000000 0.00000000 2-A-2 408,410,000.00 4.~~15529~~14719% ~~787~~754.~~44961365~~87218506 2.~~72673294~~60883465 0.00000000 0.00000000 2-A-3 20,000,000.00 3.~~60429~~59619% ~~787~~754.~~44961350~~87218500 2.~~36516250~~26222250 0.00000000 0.00000000 2-A-4 598,000.00 3.~~60429~~59619% ~~787~~754.~~44961538~~87219064 2.~~36516722~~26222408 0.00000000 0.00000000 3-A-1 40,293,000.00 3.~~94917~~94590% ~~882~~868.~~79557913~~23436254 2.~~90525823~~85496860 0.00000000 0.00000000 B-1 9,350,000.00 3.~~94615~~93974% ~~994~~992.~~96121070~~67854011 3.~~27188877~~25907487 0.00000000 0.00000000 B-2 4,155,000.00 3.~~94615~~93974% ~~994~~992.~~96121059~~67853911 3.~~27188929~~25907581 0.00000000 0.00000000 B-3 2,078,000.00 3.~~94615~~93974% ~~994~~992.~~96121270~~67854187 3.~~27189124~~25907603 0.00000000 0.00000000 B-4 2,077,000.00 3.~~94615~~93974% ~~994~~992.~~96121329~~67854117 3.~~27188734~~25907559 0.00000000 0.00000000 B-5 1,385,000.00 3.~~94615~~93974% ~~994~~992.~~96121300~~67854152 3.~~27189170~~25907581 0.00000000 0.00000000 B-6 1,039,678.97 3.~~94615~~93974% ~~994~~992.~~96121384~~67853807 3.~~27188497~~25907333 0.00000000 0.00000000 1-IO 0.00 0.77500% ~~706~~656.~~95974530~~89941991 0.~~45657821~~42424760 0.00000000 0.00000000 2-IO 0.00 0.43971% ~~793~~761.~~48988693~~80032947 0.~~29075784~~27914586 0.00000000 0.00000000 3-IO 0.00 1.01500% ~~885~~871.~~94497667~~69393966 0.~~74936178~~73730784 0.00000000 0.00000000 SES 0.00 0.00000% ~~790~~757.~~38836564~~90910765 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 21.~~01820043~~87222664 0.00000000 ~~685~~631.~~60703522~~71511682 1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 43.~~00000000~~80000000 0.00000000 0.00000000 2-A-1 0.00000000 0.00000000 2.~~36516235~~26222250 0.00000000 ~~778~~738.~~10995368~~21705985 2-A-2 0.00000000 0.00000000 2.~~72673294~~60883465 0.00000000 ~~778~~738.~~10995367~~21705989 2-A-3 0.00000000 0.00000000 2.~~36516250~~26222250 0.00000000 ~~778~~738.~~10995350~~21706000 2-A-4 0.00000000 0.00000000 2.~~36516722~~26222408 0.00000000 ~~778~~738.~~10994983~~21705686 3-A-1 0.00000000 0.00000000 2.~~90525823~~85496860 0.00000000 ~~881~~840.~~61629017~~94012211 B-1 0.00000000 0.00000000 3.~~27188877~~25907487 0.00000000 ~~994~~991.~~20122995~~91061176 B-2 0.00000000 0.00000000 3.~~27188929~~25907581 0.00000000 ~~994~~991.~~20122984~~91061131 B-3 0.00000000 0.00000000 3.~~27189124~~25907603 0.00000000 ~~994~~991.~~20123195~~91061116 B-4 0.00000000 0.00000000 3.~~27188734~~25907559 0.00000000 ~~994~~991.~~20122773~~91061146 B-5 0.00000000 0.00000000 3.~~27189170~~25907581 0.00000000 ~~994~~991.~~20122744~~91061372 B-6 0.00000000 0.00000000 3.~~27188497~~25907333 0.00000000 ~~994~~991.~~20122925~~91060871 1-IO 0.00000000 0.00000000 0.~~45657821~~42424760 0.00000000 ~~694~~641.~~41471139~~96862702 2-IO 0.00000000 0.00000000 0.~~29075784~~27914586 0.00000000 ~~784~~745.~~40211837~~60906929 3-IO 0.00000000 0.00000000 0.~~74936178~~73730784 0.00000000 ~~884~~845.~~76266287~~15365342 SES 0.00000000 0.00000000 0.~~14181786~~15370974 0.00000000 ~~781~~741.~~42902670~~22361508 (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% 4845,~~894~~431,~~112~~885.2215 4844,~~026~~399,~~483~~255.9012 0.00 0.00 6964.~~44147114~~19686270% 2-SES 0.00000% ~~461~~443,~~718~~278,~~187~~576.7147 ~~456~~433,~~430~~857,~~170~~159.6922 0.00 0.00 7874.~~44021184~~56090693% 3-SES 0.00000% 36,~~763~~172,~~874~~502.5018 3635,~~714~~071,~~812~~165.2744 0.00 0.00 8884.~~47626629~~51536534%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 813,~~356~~633,~~662~~558.7181 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) ~~4,837~~0.5000 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 813,~~361~~633,~~500~~558.2181 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 2423,~~403~~401.8502 Payment of Interest and Principal 813,~~337~~610,~~096~~157.3679 Total Withdrawals (Pool Distribution Amount) 813,~~361~~633,~~500~~558.2181 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 2221,~~807~~870.3412 Trustee Fee - Wells Fargo Bank, N.A. 1,~~596~~530.5190 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 2423,~~403~~401.8502

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 25 0 0 0 25 12,~~379~~461,~~995~~118.6349 0.00 0.00 0.00 12,~~379~~461,~~995~~118.6349 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 25 0 0 0 25 12,~~379~~461,~~995~~118.6349 0.00 0.00 0.00 12,~~379~~461,~~995~~118.6349 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.~~194553~~510725% 0.000000% 0.000000% 0.000000% 0.~~194553~~510725% 0.~~254841~~479143% 0.000000% 0.000000% 0.000000% 0.~~254841~~479143% 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 0.~~194553~~510725% 0.000000% 0.000000% 0.000000% 0.~~194553~~510725% 0.~~254841~~479143% 0.000000% 0.000000% 0.000000% 0.~~254841~~479143%

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 04 0 0 0 04 02,009,026.0088 0.00 0.00 0.00 02,009,026.0088 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 04 0 0 0 04 02,009,026.0088 0.00 0.00 0.00 02,009,026.0088 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 04.~~000000~~347826% 0.000000% 0.000000% 0.000000% 04.~~000000~~347826% 04.~~000000~~519123% 0.000000% 0.000000% 0.000000% 04.~~000000~~519123% 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 04.~~000000~~347826% 0.000000% 0.000000% 0.000000% 04.~~000000~~347826% 04.~~000000~~519123% 0.000000% 0.000000% 0.000000% 04.~~000000~~519123% 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 20 0 0 0 20 ~~1,379,995~~0.6300 0.00 0.00 0.00 ~~1,379,995~~0.6300 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 ~~1,379,995~~0.6300 0.00 0.00 0.00 ~~1,379,995~~0.6300 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~234192~~000000% 0.000000% 0.000000% 0.000000% 0.~~234192~~000000% 0.~~302183~~000000% 0.000000% 0.000000% 0.000000% 0.~~302183~~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 0.~~234192~~000000% 0.000000% 0.000000% 0.000000% 0.~~234192~~000000% 0.~~302183~~000000% 0.000000% 0.000000% 0.000000% 0.~~302183~~000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 3- 7/1 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 0452,091.0061 0.00 0.00 0.00 0452,091.0061 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 0452,091.0061 0.00 0.00 0.00 0452,091.0061 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 01.~~000000~~408451% 0.000000% 0.000000% 0.000000% 01.~~000000~~408451% 01.~~000000~~287712% 0.000000% 0.000000% 0.000000% 01.~~000000~~287712% 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~~408451% 0.000000% 0.000000% 0.000000% 01.~~000000~~408451% 01.~~000000~~287712% 0.000000% 0.000000% 0.000000% 01.~~000000~~287712%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 412,~~837~~524.5055

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~724137~~718623% Weighted Average Net Coupon 4.~~462972~~457803% Weighted Average Pass-Through Rate 4.~~459471~~454303% Weighted Average Maturity(Stepdown Calculation ) ~~350~~347 Beginning Scheduled Collateral Loan Count ~~1,040~~999 Number Of Loans Paid In Full 1220 Ending Scheduled Collateral Loan Count ~~1,028~~979 Beginning Scheduled Collateral Balance ~~547~~524,~~376~~882,~~174~~963.4380 Ending Scheduled Collateral Balance ~~541~~513,~~171~~327,~~466~~579.8678 Ending Actual Collateral Balance at 3130-~~Aug~~Nov-2004 ~~541~~513,~~512~~650,~~683~~600.9246 Monthly P &I Constant 2,~~571~~468,~~758~~462.2676 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 ~~541~~513,~~171~~327,~~466~~579.8678 Scheduled Principal ~~416~~404,~~857~~525.8023 Unscheduled Principal 511,~~787~~150,~~849~~858.7779

Miscellaneous Reporting Total Senior% 96.~~349224~~201509% Total Subordinate% 3.~~650776~~798491%

Group Level Collateral Statement Group 1- 3/1 ARM 2- 5/1 ARM 3- 7/1 ARM Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~620767~~625669 4.~~695787~~687694 5.~~217670~~214396 Weighted Average Net Rate 4.~~370767~~375669 4.~~445787~~437694 4.~~967670~~964396 Weighted Average Maturity ~~350~~347 ~~350~~347 ~~348~~345 Beginning Loan Count ~~101~~94 ~~864~~831 7574 Loans Paid In Full 2 1015 03 Ending Loan Count 9992 ~~854~~816 7571 Beginning Scheduled Balance 4845,~~894~~431,~~112~~885.2215 ~~461~~443,~~718~~278,~~187~~576.7147 36,~~763~~172,~~874~~502.5018 Ending scheduled Balance 4844,~~026~~399,~~483~~255.9012 ~~456~~433,~~430~~857,~~170~~159.6922 3635,~~714~~071,~~812~~165.2744 Record Date 0811/3130/2004 0811/3130/2004 0811/3130/2004 Principal And Interest Constant ~~254~~237,~~321~~460.8541 2,~~109~~026,~~985~~049.2952 ~~207~~204,~~451~~952.1283 Scheduled Principal 6662,~~048~~333.2603 ~~303~~294,~~209~~420.8982 47,~~599~~771.6538 Unscheduled Principal ~~801~~970,~~580~~297.0600 49,~~984~~126,~~807~~996.1343 1,~~462~~053,565.5836 Scheduled Interest ~~188~~175,~~273~~127.5938 1,~~806~~731,~~775~~628.4070 ~~159~~157,~~851~~181.4745 Servicing Fees 109,~~186~~464.2697 9692,~~191~~349.2970 7,~~659~~535.1494 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~142~~132.6151 1,~~346~~292.6889 ~~107~~105.2250 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 54,~~093~~732.1349 0.00 0.00 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 ~~172~~160,~~851~~797.5941 1,~~709~~637,~~237~~986.4311 ~~152~~149,~~085~~540.1101 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.~~242267~~247169 4.~~442287~~434194 4.~~964170~~960896

Group Level Collateral Statement Group Total Collateral Description Mixed ARM Weighted Average Coupon Rate 4.~~724137~~718623 Weighted Average Net Rate 4.~~462972~~457803 Weighted Average Maturity ~~350~~347 Beginning Loan Count ~~1,040~~999 Loans Paid In Full 1220 Ending Loan Count ~~1,028~~979 Beginning Scheduled Balance ~~547~~524,~~376~~882,~~174~~963.4380 Ending scheduled Balance ~~541~~513,~~171~~327,~~466~~579.8678 Record Date 0811/3130/2004 Principal And Interest Constant 2,~~571~~468,~~758~~462.2676 Scheduled Principal ~~416~~404,~~857~~525.8023 Unscheduled Principal 511,~~787~~150,~~849~~858.7779 Scheduled Interest 2,~~154~~063,~~900~~937.4653 Servicing Fees ~~114~~109,~~036~~350.6961 Master Servicing Fees 0.00 Trustee Fee 1,~~596~~530.5190 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 54,~~093~~732.1349 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 21,~~034~~948,~~174~~323.1353 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.0000 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 4.~~459471~~454303

Miscellaneous Reporting Group 1- 3/1 ARM CPR 1822.~~014802~~850289% Senior Prepayment% 100.000000% Subordinate% 4.~~064350~~356284% Subordinate Prepayment% 0.000000% Senior% 95.~~935650~~643716% Group 2- 5/1 ARM CPR 1222.~~220748~~106198% Senior Prepayment% 100.000000% Subordinate% 3.~~639202~~783118% Subordinate Prepayment% 0.000000% Senior% 96.~~360798~~216882% Group 3- 7/1 ARM CPR 029.~~047791~~895331% Senior Prepayment% 100.000000% Subordinate% 3.~~246100~~286295% SubordinatePrepayment% 0.000000% Senior% 96.~~753900~~713705%

Filing Compare · BANC OF AMERICA MORTGAGE SECURITIES SERIES 2004 A