8-K 1 fh0304_8k0307.txt 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): July 25, 2003 FH (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (Exact name of registrant as specified in charter) Delaware 33-63714 95-4449516 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 4000 Horizon Way, Irving, TX, , N/A 75063 (Address of principal executive offices) (Zip Code) Registrant's Telephone Number, including area code: (214) 441-4000 Not Applicable (Former name, former address and former fiscal year, if changed since last report) Item 5. Other Events FH First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2003-4 On July 25, 2003, The Bank of New York, as Trustee for FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2003-4, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of April 1, 2003, among FH as Depositor, , 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 FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2003-4 relating to the distribution date of July 25, 2003 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of April 1, 2003. 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: July 25, 2003 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett Vice President The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated July 25, 2003 Payment Date: 07/25/03 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 1A1 54,~~684~~384,~~145~~176.6725 4.500000% ~~299~~3,~~969~~388,352.4232 ~~205~~203,~~065~~940.5566 ~~505~~3,~~034~~592,292.9698 0.00 0.00 1A2 39,~~871~~652,~~706~~990.8897 4.250000% ~~218~~2,~~715~~470,540.9139 ~~141~~140,~~212~~437.3068 ~~359~~2,~~928~~610,978.2007 0.00 0.00 1A3 19,~~935~~826,~~853~~495.4449 5.000000% ~~109~~1,~~357~~235,270.9519 8382,~~066~~610.0640 ~~192~~1,~~424~~317,880.0159 0.00 0.00 1A4 14,~~971~~922,~~372~~568.8897 5.000000% 481,~~803~~047,980.9140 62,~~380~~177.7237 ~~111~~1,~~184~~110,157.6377 0.00 0.00 1A5 5554,~~083~~747,~~016~~537.7590 5.000000% ~~335~~3,~~478~~292,746.8571 ~~229~~228,~~512~~114.5774 ~~564~~3,~~991~~520,861.4246 0.00 0.00 1A6 49,~~839~~566,~~633~~238.6172 1.~~820000~~535000% ~~273~~3,~~394~~088,175.8949 7563,~~590~~403.1148 ~~348~~3,~~985~~151,578.0097 0.00 0.00 1A7 49,~~839~~566,~~633~~238.6172 6.~~680000~~965000% 0.00 ~~277~~287,~~440~~690.6371 ~~277~~287,~~440~~690.6371 0.00 0.00 1A8 22,000,000.00 5.500000% 0.00 100,833.33 100,833.33 0.00 0.00 1A9 10,~~092~~009,~~500~~621.0088 5.500000% 8283,~~878~~257.1298 4645,~~257~~877.2943 129,135.42 0.00 0.00 A10 18,~~082~~165,~~500~~378.0013 5.500000% 0.00 0.00 0.00 0.00 0.00 A11 32,500,000.00 5.500000% 0.00 148,958.33 148,958.33 0.00 0.00 Residual ARU 0.00 5.500000% 0.00 0.27 0.27 0.00 0.00 ARL 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00 2A1 65,~~852~~537,~~984~~553.2962 4.350000% ~~315~~2,~~430~~201,953.6720 ~~238~~237,~~717~~573.0763 ~~554~~2,~~147~~439,526.7383 0.00 0.00 2A2 12,~~229~~171,~~747~~167.4591 1.~~770000~~485000% 58408,~~579~~931.5407 1815,~~038~~061.8882 76423,~~618~~992.4289 0.00 0.00 2A3 12,~~229~~171,~~747~~167.4591 67.~~730000~~015000% 0.00 6871,~~588~~150.5062 6871,~~588~~150.5062 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 4,~~858~~851,~~814~~363.0464 5.~~401257~~401468% 7,~~450~~234.4041 21,~~869~~837.7507 29,~~320~~071.1548 0.00 0.00 B2 1,~~619~~617,~~604~~121.6821 5.~~401257~~401468% 2,~~483~~411.47 7,~~289~~279.9202 9,~~773~~690.3849 0.00 0.00 B3 1,~~215~~213,~~202~~339.7741 5.~~401257~~401468% 1,~~863~~809.3735 5,~~469~~461.6951 7,~~333~~270.0586 0.00 0.00 B4 ~~607~~606,~~102~~171.1221 5.~~401257~~401468% ~~930~~903.9293 2,~~732~~728.6051 3,~~663~~632.5144 0.00 0.00 B5 ~~405~~404,~~400~~778.4380 5.~~401257~~401468% ~~621~~603.6361 1,~~824~~822.7300 2,~~446~~425.3661 0.00 0.00 B6 ~~607~~606,~~538~~606.1859 5.~~401257~~401468% ~~931~~904.5958 2,~~734~~730.5647 3,~~666~~635.1405 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~404~~402,~~457~~783,~~123~~110.2171 - 117,~~756~~231,~~890~~075.6211 1,~~737~~729,~~582~~689.8407 318,~~494~~960,~~473~~764.4618 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 5450,~~384~~995,~~176~~823.2593 0.00 1A2 3937,~~652~~182,~~990~~450.9759 0.00 1A3 1918,~~826~~591,~~495~~225.4929 0.00 1A4 1413,~~922~~874,~~568~~588.9758 0.00 1A5 5451,~~747~~454,~~537~~791.9019 0.00 1A6 4946,~~566~~478,~~238~~063.7223 0.00 1A7 4946,~~566~~478,~~238~~063.7223 0.00 1A8 22,000,000.00 0.00 1A9 109,~~009~~926,~~621~~363.8889 0.00 A10 18,~~165~~248,~~378~~636.1311 0.00 A11 32,500,000.00 0.00 Residual ARU 0.00 0.00 ARL 0.00 0.00 2A1 6563,~~537~~335,~~553~~600.6242 0.00 2A2 1211,~~171~~762,~~167~~236.9184 0.00 2A3 1211,~~171~~762,~~167~~236.9184 0.00 -------------------------------------------------------------------------------- Subordinate B1 4,~~851~~844,~~363~~129.6423 0.00 B2 1,~~617~~614,~~121~~709.2174 0.00 B3 1,~~213~~211,~~339~~530.4106 0.00 B4 ~~606~~605,~~171~~267.2128 0.00 B5 404,~~778~~175.8019 0.00 B6 ~~606~~605,~~606~~702.5901 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~402~~385,~~783~~635,~~110~~293.7158 - --------------------------------------------------------------------------------

Payment Date: 07/25/03 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------

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 1A1 54,~~684~~384,~~145~~176.6725 4.500000% 32051DWL2 561.~~467898~~763510 3.~~737973~~717468 ~~991~~929.~~324774~~561265 1A2 39,~~871~~652,~~706~~990.8897 4.250000% 32051DWM0 561.~~467898~~763510 3.~~530307~~510942 ~~991~~929.~~324774~~561265 1A3 19,~~935~~826,~~853~~495.4449 5.000000% 32051DWN8 561.~~467898~~763510 4.~~153303~~130520 ~~991~~929.~~324774~~561265 1A4 14,~~971~~922,~~372~~568.8897 5.000000% 32051DWP3 369.~~253594~~865360 4.~~158715~~145158 ~~994~~924.~~837932~~972572 1A5 5554,~~083~~747,~~016~~537.7590 5.000000% 32051DWQ1 659.~~068742~~565098 4.~~151834~~126548 ~~990~~930.~~371490~~806392 1A6 49,~~839~~566,~~633~~238.6172 1.~~820000~~535000% 32051DWR9 561.~~467898~~763510 1.~~511802~~268070 ~~991~~929.~~324774~~561265 1A7 49,~~839~~566,~~633~~238.6172 6.~~680000~~965000% 32051DWS7 0.000000 5.~~548813~~753814 ~~991~~929.~~324774~~561265 1A8 22,000,000.00 5.500000% 32051DWT5 0.000000 4.583333 1,000.000000 1A9 10,~~092~~009,~~500~~621.0088 5.500000% 32051DWU2 8.~~145270~~182603 4.~~546171~~508839 ~~983~~975.~~746622~~564019 A10 18,~~082~~165,~~500~~378.0013 5.500000% 32051DWV0 0.000000 0.000000 1,~~009~~013.~~187674~~813117 A11 32,500,000.00 5.500000% 32051DWW8 0.000000 4.583333 1,000.000000 Residual ARU 0.00 5.500000% 32051DWX6 0.000000 5.~~422764~~454960 0.000000 ARL 0.00 5.500000% 32051DWY4 0.000000 0.000000 0.000000 2A1 65,~~852~~537,~~984~~553.2962 4.350000% 32051DWZ1 433.~~770903~~304644 3.~~610607~~593312 ~~991~~957.~~258534~~953890 2A2 12,~~229~~171,~~747~~167.4591 1.~~770000~~485000% 32051DXA5 433.~~770903~~304644 1.~~469143~~226682 ~~991~~957.~~258534~~953890 2A3 12,~~229~~171,~~747~~167.4591 67.~~730000~~015000% 32051DXB3 0.000000 5.~~586065~~794732 ~~991~~957.~~258534~~953890 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 4,~~858~~851,~~814~~363.0464 5.~~401257~~401468% 32051DXC1 1.~~531114~~486727 4.~~494400~~487684 ~~996~~995.~~992117~~505390 B2 1,~~619~~617,~~604~~121.6821 5.~~401257~~401468% 32051DXD9 1.~~531114~~486727 4.~~494400~~487684 ~~996~~995.~~992117~~505390 B3 1,~~215~~213,~~202~~339.7741 5.~~401257~~401468% 32051DXE7 1.~~531114~~486727 4.~~494400~~487684 ~~996~~995.~~992117~~505390 B4 ~~607~~606,~~102~~171.1221 5.~~401257~~401468% 32051DXF4 1.~~531114~~486727 4.~~494400~~487684 ~~996~~995.~~992117~~505390 B5 ~~405~~404,~~400~~778.4380 5.~~401257~~401468% 32051DXG2 1.~~531114~~486727 4.~~494400~~487684 ~~996~~995.~~992117~~505390 B6 ~~607~~606,~~538~~606.1859 5.~~401257~~401468% 32051DXH0 1.~~531116~~486730 4.~~494408~~487691 ~~996~~995.~~993756~~507026 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~404~~402,~~457~~783,~~123~~110.2171 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 308,711,475.88 76,923,816.70 385,635,292.58 Loan count 625 162 787 Avg loan rate 6.008708% 5.469720% 5.90 Prepay amount 14,215,194.77 2,331,548.27 16,546,743.04 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 60,623.68 16,013.42 76,637.10 Sub servicer fees 70,291.84 14,724.01 85,015.84 Trustee fees 1,613.77 397.71 2,011.48 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 6,505,931.96 1,604,796.76 8,110,728.71 Special Hazard 0.00 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.694582% 100.000000% 393,483,729.85 ----------------------------------------------------------------------------- Junior 2.305418% 0.000000% 9,285,513.51 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 6 2,899,599.99 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 6 2,899,599.99 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 18,960,764.18 18,960,764.18 Principal remittance amount 17,231,075.11 17,231,075.11 Interest remittance amount 1,729,689.07 1,729,689.07

Filing Compare · FIRST HORIZON ASSET SEC MORT PASS THR CERTS SER 2003-4