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): September 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 September 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
September 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: September 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 September 25, 2004
Payment Date: 09/25/04
------------------------------------------------------------
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% 304,181.53 19,332.50 323,514.03 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-17 149,616.86 2.265000% 149,616.86 282.40 149,899.27 0.00 0.00
1-A-18 149,616.86 6.235000% 0.00 777.38 777.38 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-21 269,111.05 4.750000% 269,111.05 1,065.23 270,176.28 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-25 150,613.45 5.750000% 150,613.45 721.69 151,335.14 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 7,918,202.74 5.250000% 721,665.06 34,642.14 756,307.20 0.00 0.00
1-A-32 44,021,399.04 5.500000% 1,324,512.42 201,764.75 1,526,277.17 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 4,658,225.26 6.000000% 0.00 23,291.13 23,291.13 0.00 0.00
Residual 1-A-R 0.00 6.000000% 0.00 0.01 0.01 0.00 0.00
1-A-LR 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-WIO 97,881,003.77 0.295449% 0.00 24,099.07 24,099.07 0.00 0.00
2-A-1 12,075,914.44 5.000000% 62,209.86 50,316.31 112,526.17 0.00 0.00
2-A-2 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00
2-A-3 3,473,243.01 5.500000% 37,870.40 15,919.03 53,789.44 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 2,047,979.88 2.115000% 10,550.30 3,609.56 14,159.87 0.00 0.00
2-A-6 2,047,979.88 6.385000% 0.00 10,896.96 10,896.96 0.00 0.00
2-A-7 211,965.13 5.000000% 1,091.95 883.19 1,975.14 0.00 0.00
2-A-WIO 22,725,435.11 0.377163% 0.00 7,142.66 7,142.66 0.00 0.00
1-A-PO 184,079.02 0.000000% 247.36 0.00 247.36 0.00 0.00
1-SES 0.00 0.000000% 0.00 22,267.38 22,267.38 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,119,076.78 6.000000% 6,862.69 30,595.38 37,458.07 0.00 0.00
1-B-2 2,937,274.23 6.000000% 3,294.22 14,686.37 17,980.59 0.00 0.00
1-B-3 1,468,148.06 6.000000% 1,646.56 7,340.74 8,987.30 0.00 0.00
1-B-4 979,091.41 6.000000% 1,098.07 4,895.46 5,993.53 0.00 0.00
1-B-5 734,563.09 6.000000% 823.83 3,672.82 4,496.65 0.00 0.00
1-B-6 734,548.14 6.000000% 823.81 3,672.74 4,496.55 0.00 0.00
2-B-1 963,825.08 5.500000% 4,389.06 4,417.53 8,806.59 0.00 0.00
2-B-2 275,771.24 5.500000% 1,255.81 1,263.95 2,519.76 0.00 0.00
2-B-3 206,141.30 5.500000% 938.73 944.81 1,883.54 0.00 0.00
2-B-4 68,713.77 5.500000% 312.91 314.94 627.85 0.00 0.00
2-B-5 68,713.77 5.500000% 312.91 314.94 627.85 0.00 0.00
2-B-6 138,288.29 5.500000% 629.70 633.82 1,263.52 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 133,604,279.76 - 3,054,058.54 710,856.55 3,764,915.10 - -
- ----------------------------------------------------------------------------------------------------------------------------------
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 1,096,568.21 0.00
1-A-7 3,913,818.47 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 0.00 0.00
1-A-18 0.00 0.00
1-A-19 0.00 0.00
1-A-20 0.00 0.00
1-A-21 0.00 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 0.00 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 7,196,537.68 0.00
1-A-32 42,696,886.61 0.00
1-A-33 15,817,000.00 0.00
1-A-34 250,000.00 0.00
1-A-35 4,457,641.09 0.00
Residual 1-A-R 0.00 0.00
1-A-LR 0.00 0.00
1-A-WIO 94,964,814.68 0.00
2-A-1 12,013,704.58 0.00
2-A-2 0.00 0.00
2-A-3 3,435,372.61 0.00
2-A-4 3,878,000.00 0.00
2-A-5 2,037,429.58 0.00
2-A-6 2,037,429.58 0.00
2-A-7 210,873.18 0.00
2-A-WIO 22,608,824.85 0.00
1-A-PO 183,831.66 0.00
1-SES 0.00 0.00
- --------------------------------------------------------------------------------
Subordinate 1-B-1 6,112,214.09 0.00
1-B-2 2,933,980.01 0.00
1-B-3 1,466,501.50 0.00
1-B-4 977,993.34 0.00
1-B-5 733,739.26 0.00
1-B-6 733,724.33 0.00
2-B-1 959,436.02 0.00
2-B-2 274,515.44 0.00
2-B-3 205,202.57 0.00
2-B-4 68,400.86 0.00
2-B-5 68,400.86 0.00
2-B-6 137,658.59 0.00
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 130,550,221.22 -
- --------------------------------------------------------------------------------
Payment Date: 09/25/04
------------------------------------------------------------
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 977.406111
1-A-7 4,218,000.00 5.500000% 06050HYQ5 72.115109 4.583333 927.884891
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-17 149,616.86 2.265000% 06050HZA9 4.857074 0.009168 0.000000
1-A-18 149,616.86 6.235000% 06050HZB7 0.000000 0.025237 0.000000
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-21 269,111.05 4.750000% 06050HZE1 5.382221 0.021305 0.000000
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-25 150,613.45 5.750000% 06050HZJ0 65.226293 0.312543 0.000000
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 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 7,918,202.74 5.250000% 06050HZQ4 63.544049 3.050309 633.669505
1-A-32 44,021,399.04 5.500000% 06050HZR2 17.660166 2.690197 569.291821
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 4,658,225.26 6.000000% 06050HZU5 0.000000 0.398440 76.256666
Residual 1-A-R 0.00 6.000000% 06050HZV3 0.000000 0.157752 0.000000
1-A-LR 0.00 6.000000% 06050HZW1 0.000000 0.000000 0.000000
1-A-WIO 97,881,003.77 0.295449% 06050HZX9 0.000000 0.050998 200.964090
2-A-1 12,075,914.44 5.000000% 06050HZY7 0.753070 0.609095 145.429777
2-A-2 0.00 5.500000% 06050HZZ4 0.000000 0.000000 0.000000
2-A-3 3,473,243.01 5.500000% 06050HA24 2.524694 1.061269 229.024840
2-A-4 3,878,000.00 5.500000% 06050HA32 0.000000 4.583333 1,000.000000
2-A-5 2,047,979.88 2.115000% 06050HA40 0.753070 0.257647 145.429777
2-A-6 2,047,979.88 6.385000% 06050HA57 0.000000 0.777815 145.429777
2-A-7 211,965.13 5.000000% 06050HA65 0.753070 0.609095 145.429777
2-A-WIO 22,725,435.11 0.377163% 06050HA73 0.000000 0.047945 151.762058
1-A-PO 184,079.02 0.000000% 06050HA81 0.857000 0.000000 636.898978
1-SES 0.00 0.000000% 06050HC55 0.000000 0.000000 0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,119,076.78 6.000000% 06050HA99 1.096977 4.890566 977.016319
1-B-2 2,937,274.23 6.000000% 06050HB23 1.096977 4.890566 977.016319
1-B-3 1,468,148.06 6.000000% 06050HB31 1.096977 4.890566 977.016319
1-B-4 979,091.41 6.000000% 06050HB72 1.096977 4.890566 977.016319
1-B-5 734,563.09 6.000000% 06050HB80 1.096977 4.890566 977.016319
1-B-6 734,548.14 6.000000% 06050HB98 1.096977 4.890569 977.016727
2-B-1 963,825.08 5.500000% 06050HB49 4.172111 4.199175 912.011427
2-B-2 275,771.24 5.500000% 06050HB56 4.172111 4.199175 912.011427
2-B-3 206,141.30 5.500000% 06050HB64 4.172111 4.199175 912.011427
2-B-4 68,713.77 5.500000% 06050HC22 4.172111 4.199175 912.011427
2-B-5 68,713.77 5.500000% 06050HC30 4.172111 4.199175 912.011427
2-B-6 138,288.29 5.500000% 06050HC48 4.171875 4.199184 912.013664
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 133,604,279.76 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
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 107,260,855.43 23,289,365.12 130,550,220.55
Loan count 247 54 301
Avg loan rate 6.505430% 6.119063% 6.44
Prepay amount 2,810,899.00 12,963.91 2,823,862.91
- --------------------------------------------------------------------------------
FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 18,853.49 4,876.86 23,730.35
Sub servicer fees 0.00 0.00 0.00
Trustee fees 275.49 58.52 334.01
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 89.016650% 100.000000% 118,910,124.61
-----------------------------------------------------------------------------
Junior 10.983350% 0.000000% 14,671,766.86
-----------------------------------------------------------------------------
- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 1 924,062.57
60 to 89 days 0 0.00
90 or more 0 0.00
Foreclosure 0 0.00
Totals: 1 924,062.57
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
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 3,764,915.10 3,764,915.10
Principal remittance amount 3,054,058.54 3,054,058.54
Interest remittance amount 710,856.55 710,856.55