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): April 25, 2004
BOA
(Depositor)
(Issuer in respect of MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-10)
(Exact name of registrant as specified in charter)
Delaware 333-97547-06 61-1430166/0169
(State or other (Commission File No.) (I.R.S. Employer
jurisdiction of Identification No.)
organization)
101 N. Tryon St., Charlotte, NC 28255
(Address of principal executive offices) (Zip Code)
Registrant's Telephone Number, including area code: 704-387-2111
Not Applicable
(Former name, former address and former fiscal year,
if changed since last report)
Item 5. Other Events
BOA
MORTGAGE PASS-THROUGH CERTIFICATES
Series 2002-10
On April 25, 2004, The Bank of New York, as Trustee for BOA, MORTGAGE
PASS-THROUGH CERTIFICATES Series 2002-10, made a monthly distribution to
Certificate holders of principal and/or interest pursuant to the Pooling and
Servicing Agreement, dated as of October 1, 2002, among BOA as Depositor, BANK
OF AMERICA MORTGAGE SECURITIES, INC., Seller and Master Servicer and The Bank of
New York, as Trustee.
Item 7. Financial Statements and Exhibits
(c) Exhibits
Exhibit No. Description
99 Report to Holders of BOA, MORTGAGE PASS-THROUGH CERTIFICATES
Series 2002-10 relating to the distribution date of April
25, 2004 prepared by The Bank of New York, as Trustee under
the Pooling and Servicing Agreement dated as of October 1,
2002.
SIGNATURES
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 thereunto duly authorized.
Dated: April 25, 2004
BOA
By: /s/ Diane Pickett
------------------------------
Name: Diane Pickett
Vice President
The Bank of New York,
as Trustee
EXHIBIT INDEX
Exhibit
99 Monthly Remittance Statement dated April 25, 2004
Payment Date: 04/25/04
------------------------------------------------------------
BANK OF AMERICA MORTGAGE SECURITIES, INC.
MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-10
Bank of America, N.A., Master Servicer
------------------------------------------------------------
Class Information Current Payment Information
- ----------------------------------------------------------------------------------------------------------------------------------
Beginning Pass Thru Principal Interest Total Principal Interest
Type Class Code Name Cert. Bal. Rate Dist. Amt. Dist. Amt. Dist. Losses Shortfalls
- ----------------------------------------------------------------------------------------------------------------------------------
Senior 1-A-1 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-2 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-3 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-4 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-5 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-6 1,121,916.67 6.000000% 0.00 5,609.58 5,609.58 0.00 0.00
1-A-7 4,218,000.00 5.500000% 0.00 19,332.50 19,332.50 0.00 0.00
1-A-8 2,862,000.00 5.500000% 0.00 13,117.50 13,117.50 0.00 0.00
1-A-9 3,013,000.00 5.500000% 0.00 13,809.58 13,809.58 0.00 0.00
1-A-10 1,657,000.00 5.500000% 0.00 7,594.58 7,594.58 0.00 0.00
1-A-11 755,000.00 5.500000% 0.00 3,460.42 3,460.42 0.00 0.00
1-A-12 958,000.00 5.500000% 0.00 4,390.83 4,390.83 0.00 0.00
1-A-13 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-14 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-15 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-16 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-17 4,482,145.67 1.740000% 1,305,555.31 6,499.11 1,312,054.42 0.00 0.00
1-A-18 4,482,145.67 6.760000% 0.00 25,249.42 25,249.42 0.00 0.00
1-A-19 1,151,346.60 5.750000% 686,891.02 5,516.87 692,407.89 0.00 0.00
1-A-20 0.00 4.750000% 0.00 0.00 0.00 0.00 0.00
1-A-21 8,061,891.21 4.750000% 2,348,260.33 31,911.65 2,380,171.98 0.00 0.00
1-A-22 243,712.28 5.750000% 243,712.28 1,167.79 244,880.07 0.00 0.00
1-A-23 10,850.95 5.750000% 10,850.95 51.99 10,902.94 0.00 0.00
1-A-24 797,000.00 5.750000% 372,797.24 3,818.96 376,616.20 0.00 0.00
1-A-25 2,309,091.00 5.750000% 0.00 11,064.39 11,064.39 0.00 0.00
1-A-26 15,000,000.00 6.000000% 0.00 75,000.00 75,000.00 0.00 0.00
1-A-27 0.00 3.000000% 0.00 0.00 0.00 0.00 0.00
1-A-28 9,012,847.22 2.750000% 3,633,160.95 20,654.44 3,653,815.40 0.00 0.00
1-A-29 0.00 4.500000% 0.00 0.00 0.00 0.00 0.00
1-A-30 1,168,991.56 4.750000% 471,231.17 4,627.26 475,858.42 0.00 0.00
1-A-31 11,356,926.00 5.250000% 0.00 49,686.55 49,686.55 0.00 0.00
1-A-32 69,019,981.69 5.500000% 7,533,021.43 316,341.58 7,849,363.01 0.00 0.00
1-A-33 15,817,000.00 6.000000% 0.00 79,085.00 79,085.00 0.00 0.00
1-A-34 250,000.00 6.000000% 0.00 1,250.00 1,250.00 0.00 0.00
1-A-35 12,296,779.71 6.000000% 0.00 61,483.90 61,483.90 0.00 0.00
Residual 1-A-R 0.00 6.000000% 0.00 0.03 0.03 0.00 0.00
1-A-LR 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-WIO 150,284,324.84 0.309105% 0.00 38,711.34 38,711.34 0.00 0.00
2-A-1 18,318,453.89 5.000000% 2,057,398.74 76,326.89 2,133,725.63 0.00 0.00
2-A-2 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00
2-A-3 7,273,404.46 5.500000% 1,252,446.61 33,336.44 1,285,783.05 0.00 0.00
2-A-4 3,878,000.00 5.500000% 0.00 17,774.17 17,774.17 0.00 0.00
2-A-5 3,106,665.35 1.590000% 348,918.61 4,116.33 353,034.94 0.00 0.00
2-A-6 3,106,665.35 6.910000% 0.00 17,889.21 17,889.21 0.00 0.00
2-A-7 321,538.67 5.000000% 36,112.94 1,339.74 37,452.69 0.00 0.00
2-A-WIO 33,959,783.99 0.380021% 0.00 10,754.51 10,754.51 0.00 0.00
1-A-PO 198,067.56 0.000000% 565.32 0.00 565.32 0.00 0.00
1-SES 0.00 0.000000% 0.00 14,328.59 14,328.59 0.00 19,012.06
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,152,513.79 6.000000% 6,526.67 30,762.57 37,289.24 0.00 0.00
1-B-2 2,953,324.64 6.000000% 3,132.93 14,766.62 17,899.55 0.00 0.00
1-B-3 1,476,170.59 6.000000% 1,565.94 7,380.85 8,946.79 0.00 0.00
1-B-4 984,441.55 6.000000% 1,044.31 4,922.21 5,966.52 0.00 0.00
1-B-5 738,577.02 6.000000% 783.49 3,692.89 4,476.38 0.00 0.00
1-B-6 738,561.89 6.000000% 783.48 3,692.81 4,476.29 0.00 0.00
2-B-1 985,065.17 5.500000% 4,123.89 4,514.88 8,638.77 0.00 0.00
2-B-2 281,848.49 5.500000% 1,179.93 1,291.81 2,471.74 0.00 0.00
2-B-3 210,684.09 5.500000% 882.01 965.64 1,847.65 0.00 0.00
2-B-4 70,228.03 5.500000% 294.00 321.88 615.88 0.00 0.00
2-B-5 70,228.03 5.500000% 294.00 321.88 615.88 0.00 0.00
2-B-6 141,335.77 5.500000% 591.68 647.79 1,239.47 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 200,043,893.16 - 20,322,125.23 1,048,582.99 21,370,708.22 - 19,012.06
- ----------------------------------------------------------------------------------------------------------------------------------
Class Information
- --------------------------------------------------------------------------------
Ending Cert. Unpaid
Type Class Code Name Notional Bal. Interest
- --------------------------------------------------------------------------------
Senior 1-A-1 0.00 0.00
1-A-2 0.00 0.00
1-A-3 0.00 0.00
1-A-4 0.00 0.00
1-A-5 0.00 0.00
1-A-6 1,121,916.67 0.00
1-A-7 4,218,000.00 0.00
1-A-8 2,862,000.00 0.00
1-A-9 3,013,000.00 0.00
1-A-10 1,657,000.00 0.00
1-A-11 755,000.00 0.00
1-A-12 958,000.00 0.00
1-A-13 0.00 0.00
1-A-14 0.00 0.00
1-A-15 0.00 0.00
1-A-16 0.00 0.00
1-A-17 3,176,590.36 0.00
1-A-18 3,176,590.36 0.00
1-A-19 464,455.58 0.00
1-A-20 0.00 0.00
1-A-21 5,713,630.88 0.00
1-A-22 0.00 0.00
1-A-23 0.00 0.00
1-A-24 424,202.76 0.00
1-A-25 2,309,091.00 0.00
1-A-26 15,000,000.00 0.00
1-A-27 0.00 0.00
1-A-28 5,379,686.26 0.00
1-A-29 0.00 0.00
1-A-30 697,760.40 0.00
1-A-31 11,356,926.00 0.00
1-A-32 61,486,960.27 0.00
1-A-33 15,817,000.00 0.00
1-A-34 250,000.00 0.00
1-A-35 9,602,892.58 0.00
Residual 1-A-R 0.00 0.00
1-A-LR 0.00 0.00
1-A-WIO 134,222,927.35 0.00
2-A-1 16,261,055.15 0.00
2-A-2 0.00 0.00
2-A-3 6,020,957.85 0.00
2-A-4 3,878,000.00 0.00
2-A-5 2,757,746.75 0.00
2-A-6 2,757,746.75 0.00
2-A-7 285,425.73 0.00
2-A-WIO 30,260,423.24 0.00
1-A-PO 197,502.24 0.00
1-SES 0.00 19,012.06
- --------------------------------------------------------------------------------
Subordinate 1-B-1 6,145,987.13 0.00
1-B-2 2,950,191.71 0.00
1-B-3 1,474,604.65 0.00
1-B-4 983,397.24 0.00
1-B-5 737,793.53 0.00
1-B-6 737,778.41 0.00
2-B-1 980,941.28 0.00
2-B-2 280,668.56 0.00
2-B-3 209,802.08 0.00
2-B-4 69,934.03 0.00
2-B-5 69,934.03 0.00
2-B-6 140,744.08 0.00
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 179,721,767.93 19,012.06
- --------------------------------------------------------------------------------
Payment Date: 04/25/04
------------------------------------------------------------
BANK OF AMERICA MORTGAGE SECURITIES, INC.
MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-10
Bank of America, N.A., Master Servicer
------------------------------------------------------------
Class Information Current Payment Information
Factors per $1,000
- ------------------------------------------------------------------------------------------------------------------------
Beginning Pass Thru CUSIP Principal Interest Ending Cert./
Type Class Code Name Cert. Bal.(Face) Rate Numbers Dist. Dist. Notional Bal.
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Senior 1-A-1 0.00 6.000000% 06050HYJ1 0.000000 0.000000 0.000000
1-A-2 0.00 6.000000% 06050HYK8 0.000000 0.000000 0.000000
1-A-3 0.00 6.000000% 06050HYL6 0.000000 0.000000 0.000000
1-A-4 0.00 6.000000% 06050HYM4 0.000000 0.000000 0.000000
1-A-5 0.00 6.000000% 06050HYN2 0.000000 0.000000 0.000000
1-A-6 1,121,916.67 6.000000% 06050HYP7 0.000000 5.000000 1,000.000000
1-A-7 4,218,000.00 5.500000% 06050HYQ5 0.000000 4.583333 1,000.000000
1-A-8 2,862,000.00 5.500000% 06050HYR3 0.000000 4.583333 1,000.000000
1-A-9 3,013,000.00 5.500000% 06050HYS1 0.000000 4.583333 1,000.000000
1-A-10 1,657,000.00 5.500000% 06050HYT9 0.000000 4.583333 1,000.000000
1-A-11 755,000.00 5.500000% 06050HYU6 0.000000 4.583333 1,000.000000
1-A-12 958,000.00 5.500000% 06050HYV4 0.000000 4.583333 1,000.000000
1-A-13 0.00 6.000000% 06050HYW2 0.000000 0.000000 0.000000
1-A-14 0.00 6.000000% 06050HYX0 0.000000 0.000000 0.000000
1-A-15 0.00 6.000000% 06050HYY8 0.000000 0.000000 0.000000
1-A-16 0.00 6.000000% 06050HYZ5 0.000000 0.000000 0.000000
1-A-17 4,482,145.67 1.740000% 06050HZA9 42.382780 0.210983 103.122963
1-A-18 4,482,145.67 6.760000% 06050HZB7 0.000000 0.819682 103.122963
1-A-19 1,151,346.60 5.750000% 06050HZC5 45.792735 0.367791 30.963705
1-A-20 0.00 4.750000% 06050HZD3 0.000000 0.000000 0.000000
1-A-21 8,061,891.21 4.750000% 06050HZE1 46.965207 0.638233 114.272618
1-A-22 243,712.28 5.750000% 06050HZF8 19.728995 0.094535 0.000000
1-A-23 10,850.95 5.750000% 06050HZG6 19.728995 0.094535 0.000000
1-A-24 797,000.00 5.750000% 06050HZH4 467.750618 4.791667 532.249382
1-A-25 2,309,091.00 5.750000% 06050HZJ0 0.000000 4.791667 1,000.000000
1-A-26 15,000,000.00 6.000000% 06050HZK7 0.000000 5.000000 1,000.000000
1-A-27 0.00 3.000000% 06050HZL5 0.000000 0.000000 0.000000
1-A-28 9,012,847.22 2.750000% 06050HZM3 90.829024 0.516361 134.492157
1-A-29 0.00 4.500000% 06050HZN1 0.000000 0.000000 0.000000
1-A-30 1,168,991.56 4.750000% 06050HZP6 305.384684 2.998727 452.188552
1-A-31 11,356,926.00 5.250000% 06050HZQ4 0.000000 4.375000 1,000.000000
1-A-32 69,019,981.69 5.500000% 06050HZR2 100.440286 4.217888 819.826137
1-A-33 15,817,000.00 6.000000% 06050HZS0 0.000000 5.000000 1,000.000000
1-A-34 250,000.00 6.000000% 06050HZT8 0.000000 5.000000 1,000.000000
1-A-35 12,296,779.71 6.000000% 06050HZU5 0.000000 1.051802 164.276253
Residual 1-A-R 0.00 6.000000% 06050HZV3 0.000000 0.518332 0.000000
1-A-LR 0.00 6.000000% 06050HZW1 0.000000 0.000000 0.000000
1-A-WIO150,284,324.84 0.309105% 06050HZX9 0.000000 0.081921 284.041922
2-A-1 18,318,453.89 5.000000% 06050HZY7 24.905477 0.923962 196.845328
2-A-2 0.00 5.500000% 06050HZZ4 0.000000 0.000000 0.000000
2-A-3 7,273,404.46 5.500000% 06050HA24 83.496441 2.222429 401.397190
2-A-4 3,878,000.00 5.500000% 06050HA32 0.000000 4.583333 1,000.000000
2-A-5 3,106,665.35 1.590000% 06050HA40 24.905477 0.293820 196.845328
2-A-6 3,106,665.35 6.910000% 06050HA57 0.000000 1.276915 196.845328
2-A-7 321,538.67 5.000000% 06050HA65 24.905477 0.923962 196.845328
2-A-WIO 33,959,783.99 0.380021% 06050HA73 0.000000 0.072190 203.123520
1-A-PO 198,067.56 0.000000% 06050HA81 1.958590 0.000000 684.261746
1-SES 0.00 0.000000% 06050HC55 0.000000 0.000000 0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,152,513.79 6.000000% 06050HA99 1.043265 4.917290 982.414822
1-B-2 2,953,324.64 6.000000% 06050HB23 1.043265 4.917290 982.414822
1-B-3 1,476,170.59 6.000000% 06050HB31 1.043265 4.917290 982.414822
1-B-4 984,441.55 6.000000% 06050HB72 1.043265 4.917290 982.414822
1-B-5 738,577.02 6.000000% 06050HB80 1.043265 4.917290 982.414822
1-B-6 738,561.89 6.000000% 06050HB98 1.043265 4.917292 982.415084
2-B-1 985,065.17 5.500000% 06050HB49 3.920049 4.291713 932.453686
2-B-2 281,848.49 5.500000% 06050HB56 3.920049 4.291713 932.453686
2-B-3 210,684.09 5.500000% 06050HB64 3.920049 4.291713 932.453686
2-B-4 70,228.03 5.500000% 06050HC22 3.920049 4.291713 932.453686
2-B-5 70,228.03 5.500000% 06050HC30 3.920049 4.291713 932.453686
2-B-6 141,335.77 5.500000% 06050HC48 3.920011 4.291722 932.455590
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 200,043,893.16 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
BANK OF AMERICA MORTGAGE SECURITIES, INC.
MORTGAGE PASS-THROUGH CERTIFICATES, Series 2002-10
Bank of America, N.A., Master Servicer
------------------------------------------------------------
- --------------------------------------------------------------------------------
COLLATERAL INFORMATION
- --------------------------------------------------------------------------------
Total
-----
Prin balance 148,766,179.03 30,955,588.40 179,721,767.43
Loan count 336 70 406
Avg loan rate 6.526708% 6.125306% 6.46
Prepay amount 16,444,424.28 3,557,151.96 20,001,576.24
- --------------------------------------------------------------------------------
FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 13,701.11 627.48 14,328.59
Sub servicer fees 0.00 0.00 0.00
Trustee fees 413.47 86.64 500.11
Agg advances N/A N/A N/A
Adv this period 0.00 0.00 0.00
- --------------------------------------------------------------------------------
LOSSES & INSURANCE COVERAGES
- --------------------------------------------------------------------------------
Total
-----
Realized losses 0.00 0.00 0.00
Cumulative losses 0.00 0.00 0.00
Coverage Amounts Total
- ---------------- -----
Bankruptcy 0.00 0.00 0.00
Fraud 0.00 0.00 0.00
Special Hazard 0.00 0.00 0.00
Aggregate Certificate Information
-----------------------------------------------------------------------------
Class Aggregate Aggregate Aggregate
Type Percentage Prepay Pct. End Cert. Bal.
-----------------------------------------------------------------------------
Senior 92.609950% 100.000000% 185,240,914.11
-----------------------------------------------------------------------------
Junior 7.390050% 0.000000% 14,781,776.72
-----------------------------------------------------------------------------
- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 3 1,002,342.47
60 to 89 days 0 0.00
90 or more 0 0.00
Foreclosure 0 0.00
Totals: 3 1,002,342.47
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
REO INFORMATION
- --------------------------------------------------------------------------------
REO Date Loan Number Ending Stated Balance Book Value
-------- ----------- --------------------- ----------
N/A # 0 N/A
N/A # 0 N/A
N/A # 0 N/A
N/A # 0 N/A
N/A # 0 N/A
N/A # 0 N/A
N/A # 0 N/A
N/A # 0 N/A
Totals: 0 N/A
Current Total Outstanding Balance: 0.00
Current Total Outstanding Number of Loans: 0
- --------------------------------------------------------------------------------
OTHER INFORMATION
- --------------------------------------------------------------------------------
Amount/Withdrawal Total/Ending Bal.
----------------- -----------------
Available remittance amount 21,370,708.22 21,370,708.22
Principal remittance amount 20,322,125.23 20,322,125.23
Interest remittance amount 1,048,582.99 1,048,582.99