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 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)
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.
[]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))
Section 8 - Other Events
Item 8.01 Other Events
Section 9 - Financial Statements and Exhibits
Item 9.01 Financial Statements and Exhibits
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: December 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 December 25, 2004
Payment Date: 12/25/04
------------------------------------------------------------
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-6 902,375.13 6.000000% 0.00 4,511.88 4,511.88 0.00 0.00
1-A-7 1,583,501.51 5.500000% 916,824.69 7,257.72 924,082.41 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 2.830000% 0.00 0.00 0.00 0.00 0.00
1-A-18 0.00 5.670000% 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 5,271,335.32 5.250000% 757,439.05 23,062.09 780,501.14 0.00 0.00
1-A-32 39,163,454.58 5.500000% 1,390,170.44 179,499.17 1,569,669.60 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 3,922,538.13 6.000000% 0.00 19,612.69 19,612.69 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 88,020,403.16 0.291276% 0.00 21,365.22 21,365.22 0.00 0.00
2-A-1 11,321,632.45 5.000000% 58,440.44 47,173.47 105,613.91 0.00 0.00
2-A-2 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00
2-A-3 3,014,071.97 5.500000% 35,575.76 13,814.50 49,390.26 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 1,920,059.60 2.680000% 9,911.04 4,288.13 14,199.17 0.00 0.00
2-A-6 1,920,059.60 5.820000% 0.00 9,312.29 9,312.29 0.00 0.00
2-A-7 198,725.43 5.000000% 1,025.79 828.02 1,853.81 0.00 0.00
2-A-WIO 21,356,021.52 0.383741% 0.00 6,829.32 6,829.32 0.00 0.00
1-A-PO 175,278.99 0.000000% 10,358.71 0.00 10,358.71 0.00 0.00
1-SES 0.00 0.000000% 0.00 20,069.72 20,069.72 0.00 174.36
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,098,305.63 6.000000% 7,037.47 30,491.53 37,528.99 0.00 0.00
1-B-2 2,927,303.68 6.000000% 3,378.12 14,636.52 18,014.64 0.00 0.00
1-B-3 1,463,164.44 6.000000% 1,688.50 7,315.82 9,004.32 0.00 0.00
1-B-4 975,767.89 6.000000% 1,126.04 4,878.84 6,004.88 0.00 0.00
1-B-5 732,069.62 6.000000% 844.81 3,660.35 4,505.16 0.00 0.00
1-B-6 732,054.73 6.000000% 844.71 3,660.27 4,504.99 0.00 0.00
2-B-1 950,557.20 5.500000% 4,491.13 4,356.72 8,847.85 0.00 0.00
2-B-2 271,975.02 5.500000% 1,285.01 1,246.55 2,531.56 0.00 0.00
2-B-3 203,303.58 5.500000% 960.55 931.81 1,892.36 0.00 0.00
2-B-4 67,767.86 5.500000% 320.18 310.60 630.79 0.00 0.00
2-B-5 67,767.86 5.500000% 320.18 310.60 630.79 0.00 0.00
2-B-6 136,384.71 5.500000% 644.38 625.10 1,269.48 0.00 0.00
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals - - 121,464,482.08 - 3,202,687.01 645,531.02 3,848,218.03 - 174.36
- ----------------------------------------------------------------------------------------------------------------------------------
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-6 825,973.07 0.00
1-A-7 666,676.82 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 4,513,896.27 0.00
1-A-32 37,773,284.14 0.00
1-A-33 15,817,000.00 0.00
1-A-34 250,000.00 0.00
1-A-35 3,712,010.71 0.00
Residual 1-A-R 0.00 0.00
1-A-LR 0.00 0.00
1-A-WIO 85,418,837.55 0.00
2-A-1 11,263,192.01 0.00
2-A-2 0.00 0.00
2-A-3 2,978,496.21 0.00
2-A-4 3,878,000.00 0.00
2-A-5 1,910,148.56 0.00
2-A-6 1,910,148.56 0.00
2-A-7 197,699.64 0.00
2-A-WIO 21,246,041.07 0.00
1-A-PO 164,920.27 0.00
1-SES 0.00 174.36
- --------------------------------------------------------------------------------
Subordinate 1-B-1 6,091,268.16 0.00
1-B-2 2,923,925.56 0.00
1-B-3 1,461,475.95 0.00
1-B-4 974,641.85 0.00
1-B-5 731,224.81 0.00
1-B-6 731,210.01 0.00
2-B-1 946,066.08 0.00
2-B-2 270,690.01 0.00
2-B-3 202,343.03 0.00
2-B-4 67,447.68 0.00
2-B-5 67,447.68 0.00
2-B-6 135,740.33 0.00
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals - - 118,261,795.07 174.36
- --------------------------------------------------------------------------------
Payment Date: 12/25/04
------------------------------------------------------------
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-6 902,375.13 6.000000% 06050HYP7 0.000000 4.021578 736.216061
1-A-7 1,583,501.51 5.500000% 06050HYQ5 217.360050 1.720653 158.055197
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 2.830000% 06050HZA9 0.000000 0.000000 0.000000
1-A-18 0.00 5.670000% 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 5,271,335.32 5.250000% 06050HZQ4 66.694020 2.030663 397.457575
1-A-32 39,163,454.58 5.500000% 06050HZR2 18.535606 2.393322 503.643789
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 3,922,538.13 6.000000% 06050HZU5 0.000000 0.335513 63.501201
Residual 1-A-R 0.00 6.000000% 06050HZV3 0.000000 0.263861 0.000000
1-A-LR 0.00 6.000000% 06050HZW1 0.000000 0.000000 0.000000
1-A-WIO 88,020,403.16 0.291276% 06050HZX9 0.000000 0.045213 180.762939
2-A-1 11,321,632.45 5.000000% 06050HZY7 0.707440 0.571050 136.344579
2-A-2 0.00 5.500000% 06050HZZ4 0.000000 0.000000 0.000000
2-A-3 3,014,071.97 5.500000% 06050HA24 2.371718 0.920966 198.566414
2-A-4 3,878,000.00 5.500000% 06050HA32 0.000000 4.583333 1,000.000000
2-A-5 1,920,059.60 2.680000% 06050HA40 0.707440 0.306083 136.344579
2-A-6 1,920,059.60 5.820000% 06050HA57 0.000000 0.664702 136.344579
2-A-7 198,725.43 5.000000% 06050HA65 0.707440 0.571050 136.344579
2-A-WIO 21,356,021.52 0.383741% 06050HA73 0.000000 0.045842 142.614352
1-A-PO 175,278.99 0.000000% 06050HA81 35.888559 0.000000 571.379020
1-SES 0.00 0.000000% 06050HC55 0.000000 0.000000 0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate 1-B-1 6,098,305.63 6.000000% 06050HA99 1.124915 4.873965 973.668185
1-B-2 2,927,303.68 6.000000% 06050HB23 1.124915 4.873965 973.668185
1-B-3 1,463,164.44 6.000000% 06050HB31 1.124915 4.873965 973.668185
1-B-4 975,767.89 6.000000% 06050HB72 1.124915 4.873965 973.668185
1-B-5 732,069.62 6.000000% 06050HB80 1.124915 4.873965 973.668185
1-B-6 732,054.73 6.000000% 06050HB98 1.124806 4.873968 973.668701
2-B-1 950,557.20 5.500000% 06050HB49 4.269132 4.141369 899.302355
2-B-2 271,975.02 5.500000% 06050HB56 4.269132 4.141369 899.302355
2-B-3 203,303.58 5.500000% 06050HB64 4.269132 4.141369 899.302355
2-B-4 67,767.86 5.500000% 06050HC22 4.269132 4.141369 899.302355
2-B-5 67,767.86 5.500000% 06050HC30 4.269132 4.141369 899.302355
2-B-6 136,384.71 5.500000% 06050HC48 4.269144 4.141381 899.304819
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals - - 121,464,482.08 - - - - -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------
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 96,344,157.14 21,917,637.14 118,261,794.28
Loan count 222 52 274
Avg loan rate 6.500288% 6.124899% 6.43
Prepay amount 2,974,955.45 8,887.49 2,983,842.94
- --------------------------------------------------------------------------------
FEES AND ADVANCES
- --------------------------------------------------------------------------------
Total
-----
Master serv fees 16,397.95 4,589.71 20,987.66
Sub servicer fees 0.00 0.00 0.00
Trustee fees 248.58 55.08 303.66
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 87.974888% 100.000000% 106,838,059.85
-----------------------------------------------------------------------------
Junior 12.025112% 0.000000% 14,603,481.15
-----------------------------------------------------------------------------
- --------------------------------------------------------------------------------
DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period Loan Count Ending Stated Balance
- ------ ---------- ---------------------
30 to 59 days 3 1,020,315.35
60 to 89 days 0 0.00
90 or more 0 0.00
Foreclosure 0 0.00
Totals: 3 1,020,315.35
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
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 3,848,218.03 3,848,218.03
Principal remittance amount 3,202,687.01 3,202,687.01
Interest remittance amount 645,531.02 645,531.02