8-K 1 fh02ar1_8k0312.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): December 25, 2003 FH (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (Exact name of registrant as specified in charter) Texas 333-73524-01 03-0495202 (State or other (Commission File No.) (I.R.S. Employer jurisdiction of Identification No.) organization) 4000 Horizon Way, Irving, TX 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 2002-AR1 On December 25, 2003, The Bank of New York, as Trustee for FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-AR1, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of September 1, 2002, 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 2002-AR1 relating to the distribution date of December 25, 2003 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of September 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: December 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 December 25, 2003 Payment Date: 12/25/03 ------------------------------------------------------------ (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 1311,~~244~~204,~~013~~817.5729 5.~~170510~~195704% 2520,~~039,196~~306.2822 5648,~~909~~514.6710 2568,~~096,105~~820.9532 0.00 ~~155~~0.5800 2A1 3837,~~723~~120,~~938~~789.6593 5.~~445316~~441448% 12,~~603~~673,~~148~~267.7253 ~~175~~168,~~720~~325.0771 12,~~778~~841,~~868~~593.7924 0.00 0.00 Residual 2AR 0.00 5.~~445316~~441448% 0.00 0.0100 0.0100 0.00 0.00 3A1 9,~~348~~275,~~214~~350.5469 5.~~446686~~446449% 72571,~~863~~679.8681 42,~~430~~098.6610 ~~115~~613,~~294~~777.5192 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 2,~~607~~535,~~505~~084.7636 5.~~396431~~400414% 7281,~~421~~557.4002 11,~~720~~408.2975 8492,~~141~~965.7078 0.00 50.7300 B2 ~~899~~874,~~314~~337.7904 5.~~396431~~400414% 2428,~~977~~128.7558 43,~~042~~934.2782 2932,~~020~~063.0240 0.00 10.9800 B3 ~~719~~699,~~282~~305.7928 5.~~396431~~400414% 1922,~~977~~497.5158 3,~~233~~147.0511 2325,~~210~~644.5669 0.00 10.5800 B4 ~~269~~262,~~625~~136.3976 5.~~396431~~400414% 78,~~488~~433.6329 1,~~211~~179.9271 89,~~700~~612.5599 0.00 0.5900 B5 ~~360~~350,~~064~~063.0051 5.~~396431~~400414% 1011,~~000~~262.4901 1,~~618~~575.4341 1112,~~618~~837.9241 0.00 0.7900 B6 ~~270~~262,~~198~~693.4590 5.~~396431~~400414% 78,~~504~~451.5520 1,~~214~~182.5021 89,~~719~~633.0442 0.00 0.5900 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - 6662,~~442~~584,~~157~~578.9677 - 3,~~857~~925,~~579~~583.1924 ~~298~~281,~~100~~365.8692 4,~~155~~206,~~680~~949.0617 - ~~166.84~~- ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 1110,~~204~~684,~~817~~511.2907 ~~155~~0.5800 2A1 3734,~~120~~447,~~789~~522.9341 0.00 Residual 2AR 0.00 0.00 3A1 98,~~275~~703,~~350~~670.6987 0.00 -------------------------------------------------------------------------------- Subordinate B1 2,~~535~~453,~~084~~527.3634 50.7300 B2 ~~874~~846,~~337~~208.0446 10.9800 B3 ~~699~~676,~~305~~807.2870 10.5800 B4 ~~262~~253,~~136~~703.7647 0.5900 B5 ~~350~~338,~~063~~801.51 0.7900 B6 ~~262~~254,~~693~~242.9070 0.5900 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - 6258,~~584~~658,~~578~~995.7752 ~~166.84~~- --------------------------------------------------------------------------------

Payment Date: 12/25/03 ------------------------------------------------------------ (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 1311,~~244~~204,~~013~~817.5729 5.~~170510~~195704% 32051DPY2 5915.~~937578~~293229 1.~~672731~~425962 ~~329~~314.~~340347~~047119 2A1 3837,~~723~~120,~~938~~789.6593 5.~~445316~~441448% 32051DPZ9 1118.~~017826~~372341 1.~~207657~~156838 ~~255~~236.~~116937~~744596 Residual 2AR 0.00 5.~~445316~~441448% 32051DQB1 0.000000 0.~~062297~~000000 0.000000 3A1 9,~~348~~275,~~214~~350.5469 5.~~446686~~446449% 32051DQA3 221.~~680296~~029237 1.~~560811~~548578 ~~341~~320.~~193698~~164461 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 2,~~607~~535,~~505~~084.7636 5.~~396431~~400414% 32051DQC9 2326.~~475334~~436637 3.~~799123~~698137 ~~821~~795.~~745335~~308699 B2 ~~899~~874,~~314~~337.7904 5.~~396431~~400414% 32051DQD7 2326.~~475334~~436637 3.~~799123~~698137 ~~821~~795.~~745335~~308699 B3 ~~719~~699,~~282~~305.7928 5.~~396431~~400414% 32051DQE5 2326.~~475334~~436637 3.~~799123~~698137 ~~821~~795.~~745335~~308699 B4 ~~269~~262,~~625~~136.3976 5.~~396431~~400414% 32051DPV8 2326.~~475334~~436637 3.~~799123~~698137 ~~821~~795.~~745335~~308699 B5 ~~360~~350,~~064~~063.0051 5.~~396431~~400414% 32051DPW6 2326.~~475334~~436637 3.~~799123~~698137 ~~821~~795.~~745335~~308699 B6 ~~270~~262,~~198~~693.4590 5.~~396431~~400414% 32051DPX4 2326.~~475337~~436617 3.~~799124~~698138 ~~821~~795.~~745459~~308842 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - 6662,~~442~~584,~~157~~578.9677 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 11,511,901.92 37,743,472.24 9,403,621.34 Loan count 26 79 23 Avg loan rate 5.469704% 5.672448% 5.697449% Prepay amount 525,623.49 2,760,102.60 580,573.14 Total ----- Prin balance 58,658,995.50 Loan count 128 Avg loan rate 5.64 Prepay amount 3,866,299.23 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 2,254.41 5,401.64 2,041.10 Sub servicer fees 0.00 0.00 0.00 Trustee fees 60.26 202.68 49.99 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 9,697.15 Sub servicer fees 0.00 Trustee fees 312.92 Agg advances N/A Adv this period 0.00 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 0.00 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 92.273369% 96.486578% 57,600,957.91 ----------------------------------------------------------------------------- Junior 7.726631% 3.513422% 4,823,291.17 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 3 1,080,708.03 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 3 1,080,708.03 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 4,206,949.17 4,206,949.17 Principal remittance amount 3,925,583.24 3,925,583.24 Interest remittance amount 281,365.92 281,365.92

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