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): October 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 October 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 October
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: October 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 October 25, 2004
Payment Date: 10/25/04
------------------------------------------------------------
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 1,096,568.21 6.000000% 0.00 5,482.84 5,482.84 0.00 0.00
1-A-7 3,913,818.47 5.500000% 963,529.56 17,938.33 981,467.90 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 0.00 2.490000% 0.00 0.00 0.00 0.00 0.00
1-A-18 0.00 6.010000% 0.00 0.00 0.00 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 0.00 4.750000% 0.00 0.00 0.00 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 0.00 5.750000% 0.00 0.00 0.00 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 7,196,537.68 5.250000% 796,024.50 31,484.85 827,509.35 0.00 0.00
1-A-32 42,696,886.61 5.500000% 1,460,988.48 195,694.06 1,656,682.54 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 4,457,641.09 6.000000% 0.00 22,288.21 22,288.21 0.00 0.00
Residual 1-A-R 0.00 6.000000% 0.00 0.04 0.04 0.00 0.00
1-A-LR 0.00 6.000000% 0.00 0.00 0.00 0.00 0.00
1-A-WIO 94,964,814.68 0.295307% 0.00 23,369.82 23,369.82 0.00 0.00
2-A-1 12,013,704.58 5.000000% 630,786.65 50,057.10 680,843.76 0.00 0.00
2-A-2 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00
2-A-3 3,435,372.61 5.500000% 383,992.95 15,745.46 399,738.41 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 2,037,429.58 2.340000% 106,976.44 3,972.99 110,949.43 0.00 0.00
2-A-6 2,037,429.58 6.160000% 0.00 10,458.81 10,458.81 0.00 0.00
2-A-7 210,873.18 5.000000% 11,072.02 878.64 11,950.66 0.00 0.00
2-A-WIO 22,608,824.85 0.377202% 0.00 7,106.75 7,106.75 0.00 0.00
1-A-PO 183,831.66 0.000000% 8,294.83 0.00 8,294.83 0.00 0.00
1-SES 0.00 0.000000% 0.00 21,093.40 21,093.40 0.00 664.97
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,112,214.09 6.000000% 6,926.27 30,561.07 37,487.34 0.00 0.00
1-B-2 2,933,980.01 6.000000% 3,324.74 14,669.90 17,994.64 0.00 0.00
1-B-3 1,466,501.50 6.000000% 1,661.82 7,332.51 8,994.32 0.00 0.00
1-B-4 977,993.34 6.000000% 1,108.25 4,889.97 5,998.21 0.00 0.00
1-B-5 733,739.26 6.000000% 831.46 3,668.70 4,500.16 0.00 0.00
1-B-6 733,724.33 6.000000% 831.45 3,668.62 4,500.07 0.00 0.00
2-B-1 959,436.02 5.500000% 4,416.60 4,397.42 8,814.01 0.00 0.00
2-B-2 274,515.44 5.500000% 1,263.68 1,258.20 2,521.88 0.00 0.00
2-B-3 205,202.57 5.500000% 944.61 940.51 1,885.13 0.00 0.00
2-B-4 68,400.86 5.500000% 314.87 313.50 628.38 0.00 0.00
2-B-5 68,400.86 5.500000% 314.87 313.50 628.38 0.00 0.00
2-B-6 137,658.59 5.500000% 633.65 630.94 1,264.58 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 130,550,221.22 - 4,384,237.70 693,698.22 5,077,935.92 - 664.97
- ----------------------------------------------------------------------------------------------------------------------------------
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 1,016,274.08 0.00
1-A-7 2,950,288.91 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 6,400,513.18 0.00
1-A-32 41,235,898.13 0.00
1-A-33 15,817,000.00 0.00
1-A-34 250,000.00 0.00
1-A-35 4,236,388.99 0.00
Residual 1-A-R 0.00 0.00
1-A-LR 0.00 0.00
1-A-WIO 92,589,709.26 0.00
2-A-1 11,382,917.93 0.00
2-A-2 0.00 0.00
2-A-3 3,051,379.66 0.00
2-A-4 3,878,000.00 0.00
2-A-5 1,930,453.13 0.00
2-A-6 1,930,453.13 0.00
2-A-7 199,801.16 0.00
2-A-WIO 21,471,074.00 0.00
1-A-PO 175,536.83 0.00
1-SES 0.00 664.97
- --------------------------------------------------------------------------------
Subordinate 1-B-1 6,105,287.83 0.00
1-B-2 2,930,655.27 0.00
1-B-3 1,464,839.68 0.00
1-B-4 976,885.09 0.00
1-B-5 732,907.79 0.00
1-B-6 732,892.89 0.00
2-B-1 955,019.42 0.00
2-B-2 273,251.76 0.00
2-B-3 204,257.96 0.00
2-B-4 68,085.99 0.00
2-B-5 68,085.99 0.00
2-B-6 137,024.95 0.00
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 126,165,983.52 664.97
- --------------------------------------------------------------------------------
Payment Date: 10/25/04
------------------------------------------------------------
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 1,096,568.21 6.000000% 06050HYP7 0.000000 4.887031 905.837399
1-A-7 3,913,818.47 5.500000% 06050HYQ5 228.432803 4.252806 699.452088
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 0.00 2.490000% 06050HZA9 0.000000 0.000000 0.000000
1-A-18 0.00 6.010000% 06050HZB7 0.000000 0.000000 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 0.00 4.750000% 06050HZE1 0.000000 0.000000 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 0.00 5.750000% 06050HZJ0 0.000000 0.000000 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 7,196,537.68 5.250000% 06050HZQ4 70.091546 2.772304 563.577960
1-A-32 42,696,886.61 5.500000% 06050HZR2 19.479846 2.609254 549.811975
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 4,457,641.09 6.000000% 06050HZU5 0.000000 0.381283 72.471717
Residual 1-A-R 0.00 6.000000% 06050HZV3 0.000000 0.899172 0.000000
1-A-LR 0.00 6.000000% 06050HZW1 0.000000 0.000000 0.000000
1-A-WIO 94,964,814.68 0.295307% 06050HZX9 0.000000 0.049455 195.937903
2-A-1 12,013,704.58 5.000000% 06050HZY7 7.635876 0.605957 137.793900
2-A-2 0.00 5.500000% 06050HZZ4 0.000000 0.000000 0.000000
2-A-3 3,435,372.61 5.500000% 06050HA24 25.599530 1.049697 203.425311
2-A-4 3,878,000.00 5.500000% 06050HA32 0.000000 4.583333 1,000.000000
2-A-5 2,037,429.58 2.340000% 06050HA40 7.635876 0.283588 137.793900
2-A-6 2,037,429.58 6.160000% 06050HA57 0.000000 0.746540 137.793900
2-A-7 210,873.18 5.000000% 06050HA65 7.635876 0.605957 137.793900
2-A-WIO 22,608,824.85 0.377202% 06050HA73 0.000000 0.047704 144.124889
1-A-PO 183,831.66 0.000000% 06050HA81 28.738090 0.000000 608.160888
1-SES 0.00 0.000000% 06050HC55 0.000000 0.000000 0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,112,214.09 6.000000% 06050HA99 1.107140 4.885082 975.909179
1-B-2 2,933,980.01 6.000000% 06050HB23 1.107140 4.885082 975.909179
1-B-3 1,466,501.50 6.000000% 06050HB31 1.107140 4.885082 975.909179
1-B-4 977,993.34 6.000000% 06050HB72 1.107140 4.885082 975.909179
1-B-5 733,739.26 6.000000% 06050HB80 1.107140 4.885082 975.909179
1-B-6 733,724.33 6.000000% 06050HB98 1.107140 4.885084 975.909587
2-B-1 959,436.02 5.500000% 06050HB49 4.198287 4.180052 907.813140
2-B-2 274,515.44 5.500000% 06050HB56 4.198287 4.180052 907.813140
2-B-3 205,202.57 5.500000% 06050HB64 4.198287 4.180052 907.813140
2-B-4 68,400.86 5.500000% 06050HC22 4.198287 4.180052 907.813140
2-B-5 68,400.86 5.500000% 06050HC30 4.198287 4.180052 907.813140
2-B-6 137,658.59 5.500000% 06050HC48 4.198037 4.180063 907.815627
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 130,550,221.22 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
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 104,017,335.70 22,148,647.11 126,165,982.81
Loan count 239 52 291
Avg loan rate 6.504192% 6.119092% 6.44
Prepay amount 3,121,964.37 1,033,509.54 4,155,473.91
- --------------------------------------------------------------------------------
FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 17,211.84 4,546.58 21,758.42
Sub servicer fees 0.00 0.00 0.00
Trustee fees 268.15 58.22 326.38
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 88.776941% 100.000000% 115,878,454.36
-----------------------------------------------------------------------------
Junior 11.223059% 0.000000% 14,649,194.59
-----------------------------------------------------------------------------
- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 3 1,090,569.88
60 to 89 days 0 0.00
90 or more 0 0.00
Foreclosure 0 0.00
Totals: 3 1,090,569.88
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
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 5,077,935.92 5,077,935.92
Principal remittance amount 4,384,237.70 4,384,237.70
Interest remittance amount 693,698.22 693,698.22