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): August 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 August 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 August
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: August 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 August 25, 2004
Payment Date: 08/25/04
------------------------------------------------------------
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-17 455,970.74 2.100000% 306,353.88 797.95 307,151.83 0.00 0.00
1-A-18 455,970.74 6.400000% 0.00 2,431.84 2,431.84 0.00 0.00
1-A-19 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00
1-A-20 0.00 4.750000% 0.00 0.00 0.00 0.00 0.00
1-A-21 820,139.91 4.750000% 551,028.86 3,246.39 554,275.25 0.00 0.00
1-A-22 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00
1-A-23 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00
1-A-24 0.00 5.750000% 0.00 0.00 0.00 0.00 0.00
1-A-25 459,007.92 5.750000% 308,394.47 2,199.41 310,593.89 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 0.00 2.750000% 0.00 0.00 0.00 0.00 0.00
1-A-29 0.00 4.500000% 0.00 0.00 0.00 0.00 0.00
1-A-30 0.00 4.750000% 0.00 0.00 0.00 0.00 0.00
1-A-31 8,881,315.09 5.250000% 963,112.35 38,855.75 1,001,968.11 0.00 0.00
1-A-32 45,789,053.24 5.500000% 1,767,654.21 209,866.49 1,977,520.70 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 4,925,918.82 6.000000% 0.00 24,629.59 24,629.59 0.00 0.00
Residual 1-A-R 0.00 6.000000% 0.00 0.02 0.02 0.00 0.00
1-A-LR 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-WIO 101,777,486.91 0.299733% 0.00 25,421.76 25,421.76 0.00 0.00
2-A-1 12,132,809.18 5.000000% 56,894.74 50,553.37 107,448.12 0.00 0.00
2-A-2 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00
2-A-3 3,507,877.83 5.500000% 34,634.82 16,077.77 50,712.59 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 2,057,628.78 1.950000% 9,648.90 3,343.65 12,992.55 0.00 0.00
2-A-6 2,057,628.78 6.550000% 0.00 11,231.22 11,231.22 0.00 0.00
2-A-7 212,963.79 5.000000% 998.66 887.35 1,886.01 0.00 0.00
2-A-WIO 22,832,471.47 0.377175% 0.00 7,176.53 7,176.53 0.00 0.00
1-A-PO 184,323.45 0.000000% 244.42 0.00 244.42 0.00 0.00
1-SES 0.00 0.000000% 0.00 22,276.35 22,276.35 0.00 661.24
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,125,908.92 6.000000% 6,832.14 30,629.54 37,461.69 0.00 0.00
1-B-2 2,940,553.79 6.000000% 3,279.56 14,702.77 17,982.33 0.00 0.00
1-B-3 1,469,787.29 6.000000% 1,639.23 7,348.94 8,988.17 0.00 0.00
1-B-4 980,184.60 6.000000% 1,093.19 4,900.92 5,994.11 0.00 0.00
1-B-5 735,383.25 6.000000% 820.16 3,676.92 4,497.08 0.00 0.00
1-B-6 735,368.26 6.000000% 820.11 3,676.84 4,496.95 0.00 0.00
2-B-1 968,190.30 5.500000% 4,365.22 4,437.54 8,802.76 0.00 0.00
2-B-2 277,020.23 5.500000% 1,248.98 1,269.68 2,518.66 0.00 0.00
2-B-3 207,074.92 5.500000% 933.63 949.09 1,882.72 0.00 0.00
2-B-4 69,024.97 5.500000% 311.21 316.36 627.57 0.00 0.00
2-B-5 69,024.97 5.500000% 311.21 316.36 627.57 0.00 0.00
2-B-6 138,914.61 5.500000% 626.32 636.69 1,263.01 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 137,625,526.05 - 4,021,246.29 732,281.28 4,753,527.57 - 661.24
- ----------------------------------------------------------------------------------------------------------------------------------
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-17 149,616.86 0.00
1-A-18 149,616.86 0.00
1-A-19 0.00 0.00
1-A-20 0.00 0.00
1-A-21 269,111.05 0.00
1-A-22 0.00 0.00
1-A-23 0.00 0.00
1-A-24 0.00 0.00
1-A-25 150,613.45 0.00
1-A-26 15,000,000.00 0.00
1-A-27 0.00 0.00
1-A-28 0.00 0.00
1-A-29 0.00 0.00
1-A-30 0.00 0.00
1-A-31 7,918,202.74 0.00
1-A-32 44,021,399.04 0.00
1-A-33 15,817,000.00 0.00
1-A-34 250,000.00 0.00
1-A-35 4,658,225.26 0.00
Residual 1-A-R 0.00 0.00
1-A-LR 0.00 0.00
1-A-WIO 97,881,003.77 0.00
2-A-1 12,075,914.44 0.00
2-A-2 0.00 0.00
2-A-3 3,473,243.01 0.00
2-A-4 3,878,000.00 0.00
2-A-5 2,047,979.88 0.00
2-A-6 2,047,979.88 0.00
2-A-7 211,965.13 0.00
2-A-WIO 22,725,435.11 0.00
1-A-PO 184,079.02 0.00
1-SES 0.00 661.24
- --------------------------------------------------------------------------------
Subordinate 1-B-1 6,119,076.78 0.00
1-B-2 2,937,274.23 0.00
1-B-3 1,468,148.06 0.00
1-B-4 979,091.41 0.00
1-B-5 734,563.09 0.00
1-B-6 734,548.14 0.00
2-B-1 963,825.08 0.00
2-B-2 275,771.24 0.00
2-B-3 206,141.30 0.00
2-B-4 68,713.77 0.00
2-B-5 68,713.77 0.00
2-B-6 138,288.29 0.00
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 133,604,279.76 661.24
- --------------------------------------------------------------------------------
Payment Date: 08/25/04
------------------------------------------------------------
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-17 455,970.74 2.100000% 06050HZA9 9.945292 0.025904 4.857074
1-A-18 455,970.74 6.400000% 06050HZB7 0.000000 0.078946 4.857074
1-A-19 0.00 5.750000% 06050HZC5 0.000000 0.000000 0.000000
1-A-20 0.00 4.750000% 06050HZD3 0.000000 0.000000 0.000000
1-A-21 820,139.91 4.750000% 06050HZE1 11.020577 0.064928 5.382221
1-A-22 0.00 5.750000% 06050HZF8 0.000000 0.000000 0.000000
1-A-23 0.00 5.750000% 06050HZG6 0.000000 0.000000 0.000000
1-A-24 0.00 5.750000% 06050HZH4 0.000000 0.000000 0.000000
1-A-25 459,007.92 5.750000% 06050HZJ0 133.556657 0.952502 65.226293
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 0.00 2.750000% 06050HZM3 0.000000 0.000000 0.000000
1-A-29 0.00 4.500000% 06050HZN1 0.000000 0.000000 0.000000
1-A-30 0.00 4.750000% 06050HZP6 0.000000 0.000000 0.000000
1-A-31 8,881,315.09 5.250000% 06050HZQ4 84.803965 3.421327 697.213554
1-A-32 45,789,053.24 5.500000% 06050HZR2 23.568723 2.798220 586.951987
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 4,925,918.82 6.000000% 06050HZU5 0.000000 0.421337 79.688051
Residual 1-A-R 0.00 6.000000% 06050HZV3 0.000000 0.462499 0.000000
1-A-LR 0.00 6.000000% 06050HZW1 0.000000 0.000000 0.000000
1-A-WIO101,777,486.91 0.299733% 06050HZX9 0.000000 0.053797 207.135315
2-A-1 12,132,809.18 5.000000% 06050HZY7 0.688729 0.611965 146.182847
2-A-2 0.00 5.500000% 06050HZZ4 0.000000 0.000000 0.000000
2-A-3 3,507,877.83 5.500000% 06050HA24 2.308988 1.071852 231.549534
2-A-4 3,878,000.00 5.500000% 06050HA32 0.000000 4.583333 1,000.000000
2-A-5 2,057,628.78 1.950000% 06050HA40 0.688729 0.238666 146.182847
2-A-6 2,057,628.78 6.550000% 06050HA57 0.000000 0.801674 146.182847
2-A-7 212,963.79 5.000000% 06050HA65 0.688729 0.611965 146.182847
2-A-WIO 22,832,471.47 0.377175% 06050HA73 0.000000 0.048173 152.544806
1-A-PO 184,323.45 0.000000% 06050HA81 0.846823 0.000000 637.755978
1-SES 0.00 0.000000% 06050HC55 0.000000 0.000000 0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,125,908.92 6.000000% 06050HA99 1.092094 4.896027 978.113296
1-B-2 2,940,553.79 6.000000% 06050HB23 1.092094 4.896027 978.113296
1-B-3 1,469,787.29 6.000000% 06050HB31 1.092094 4.896027 978.113296
1-B-4 980,184.60 6.000000% 06050HB72 1.092094 4.896027 978.113296
1-B-5 735,383.25 6.000000% 06050HB80 1.092094 4.896027 978.113296
1-B-6 735,368.26 6.000000% 06050HB98 1.092051 4.896029 978.113705
2-B-1 968,190.30 5.500000% 06050HB49 4.149451 4.218193 916.183538
2-B-2 277,020.23 5.500000% 06050HB56 4.149451 4.218193 916.183538
2-B-3 207,074.92 5.500000% 06050HB64 4.149451 4.218193 916.183538
2-B-4 69,024.97 5.500000% 06050HC22 4.149451 4.218193 916.183538
2-B-5 69,024.97 5.500000% 06050HC30 4.149451 4.218193 916.183538
2-B-6 138,914.61 5.500000% 06050HC48 4.149460 4.218202 916.185539
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 137,625,526.05 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
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 110,195,350.74 23,408,928.39 133,604,279.13
Loan count 252 54 306
Avg loan rate 6.510675% 6.119079% 6.44
Prepay amount 3,784,000.14 3,937.09 3,787,937.23
- --------------------------------------------------------------------------------
FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 18,356.53 4,899.77 23,256.30
Sub servicer fees 0.00 0.00 0.00
Trustee fees 285.27 58.80 344.06
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 89.321360% 100.000000% 122,909,089.93
-----------------------------------------------------------------------------
Junior 10.678640% 0.000000% 14,694,155.15
-----------------------------------------------------------------------------
- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 1 346,433.31
60 to 89 days 1 329,650.10
90 or more 0 0.00
Foreclosure 0 0.00
Totals: 2 676,083.41
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
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 4,753,527.57 4,753,527.57
Principal remittance amount 4,021,246.29 4,021,246.29
Interest remittance amount 732,281.28 732,281.28