8-K 1 fh0402_8k0501.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): January 25, 2005 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) 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: January 25, 2005 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett VP The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated January 25, 2005 Payment Date: 01/25/05 ------------------------------------------------------------ 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 18,496,500.00 5.500000% 0.00 84,775.63 84,775.63 0.00 0.00 1A2 4645,~~432~~256,~~523~~979.6681 5.500000% 1793,~~175,543~~349.8547 ~~212~~207,~~815~~427.7382 1,~~388~~000,~~359~~777.5929 0.00 0.00 1A3 4,~~160~~055,~~508~~175.5692 4.500000% ~~105~~71,~~332~~086.6475 15,~~601~~206.91 ~~120~~86,~~934~~293.5566 0.00 0.00 1A4 16,~~642~~220,~~034~~703.2368 5.000000% ~~421~~284,~~330~~347.5600 6967,~~341~~586.8127 ~~490~~351,~~672~~933.3727 0.00 0.00 1A5 15,~~472~~081,~~931~~199.3324 5.250000% ~~391~~264,~~732~~371.0863 6765,~~694~~980.0725 ~~459~~330,~~426~~351.1687 0.00 0.00 1A6 3231,~~699~~871,~~517~~655.0114 6.000000% ~~827~~558,~~861~~706.8832 ~~163~~159,~~497~~358.5928 ~~991~~718,~~359~~064.4660 0.00 0.00 1A7 20,938,000.00 5.500000% 0.00 95,965.83 95,965.83 0.00 0.00 1A8 6,668,000.00 5.500000% 0.00 30,561.67 30,561.67 0.00 0.00 1A9 503,500.00 5.500000% 0.00 2,307.71 2,307.71 0.00 0.00 Residual ARU 0.00 5.500000% 0.00 0.0001 0.0001 0.00 0.00 ARL 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00 2A1 42,~~672~~454,~~841~~702.5875 4.750000% ~~218~~189,~~138~~905.8337 168,~~913~~049.3387 ~~387~~357,~~052~~955.1623 0.00 0.00 3A1 23,~~934~~173,~~481~~096.9050 7.~~053336~~050107% ~~761~~2,~~385~~139,627.4009 ~~140~~134,~~681~~802.6334 ~~902~~2,~~067~~274,429.0343 0.00 01,341.0067 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 3,~~512~~492,~~105~~476.7735 5.~~618431~~618810% 195,~~629~~564.4219 16,~~443~~320.7773 3621,~~073~~884.1992 0.00 032.0024 B2 1,~~404~~396,~~842~~990.3154 5.~~618431~~618810% 72,~~851~~225.7768 6,~~577~~528.5129 148,~~429~~753.2897 0.00 012.0090 B3 ~~702~~698,~~421~~495.1527 5.~~618431~~618810% 31,~~925~~112.8884 3,~~288~~264.7515 74,~~214~~376.6498 0.00 06.0045 B4 ~~562~~558,~~134~~992.5170 5.~~618431~~618810% ~~3,141~~890.8158 2,~~631~~612.9323 53,~~773~~502.7482 0.00 05.0016 B5 ~~421~~419,~~847~~490.8713 5.~~618431~~618810% ~~2,357~~668.7433 1,~~975~~960.1032 42,~~332~~628.8465 0.00 03.0087 B6 ~~281~~279,~~119~~548.8767 5.~~618431~~618810% ~~1,571~~445.2038 1,~~316~~306.2136 21,~~887~~751.4174 0.00 02.0058 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~235~~231,~~505~~565,~~309~~506.7569 - 34,~~939~~312,~~803~~300.0763 1,~~084~~064,~~390~~014.1765 5,~~024~~376,~~193~~315.2428 - -1,404.87 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 18,496,500.00 0.00 1A2 4544,~~256~~463,~~979~~630.8134 0.00 1A3 43,~~055~~984,~~175~~089.9217 0.00 1A4 1615,~~220~~936,~~703~~356.6867 0.00 1A5 1514,~~081~~816,~~199~~827.2462 0.00 1A6 31,~~871~~312,~~655~~948.1482 0.00 1A7 20,938,000.00 0.00 1A8 6,668,000.00 0.00 1A9 503,500.00 0.00 Residual ARU 0.00 0.00 ARL 0.00 0.00 2A1 42,~~454~~264,~~702~~797.7538 0.00 3A1 2321,~~173~~033,~~096~~469.5041 01,341.0067 -------------------------------------------------------------------------------- Subordinate B1 3,~~492~~486,~~476~~912.3516 032.0024 B2 1,~~396~~394,~~990~~764.5486 012.0090 B3 ~~698~~697,~~495~~382.2743 06.0045 B4 558,~~992~~102.7011 05.0016 B5 ~~419~~418,~~490~~821.1380 03.0087 B6 279,~~548~~103.6729 02.0058 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~231~~227,~~565~~253,~~506~~206.6906 -1,404.87 --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ (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 18,496,500.00 5.500000% 32051DW73 0.000000 4.583333 1,000.000000 1A2 4645,~~432~~256,~~523~~979.6681 5.500000% 32051DW81 2114.~~066528~~217350 3.~~813800~~717245 ~~811~~796.~~035184~~817834 1A3 4,~~160~~055,~~508~~175.5692 4.500000% 32051DW99 2114.~~066528~~217350 3.~~120381~~041382 ~~811~~796.~~035184~~817834 1A4 16,~~642~~220,~~034~~703.2368 5.000000% 32051DX23 2114.~~066528~~217350 3.~~467090~~379313 ~~811~~796.~~035184~~817834 1A5 15,~~472~~081,~~931~~199.3324 5.250000% 32051DX31 2114.~~066528~~217350 3.~~640445~~548279 ~~811~~796.~~035184~~817834 1A6 3231,~~699~~871,~~517~~655.0114 6.000000% 32051DX49 2114.~~066528~~217350 4.~~160509~~055176 ~~811~~796.~~035184~~817834 1A7 20,938,000.00 5.500000% 32051DX56 0.000000 4.583333 1,000.000000 1A8 6,668,000.00 5.500000% 32051DX64 0.000000 4.583333 1,000.000000 1A9 503,500.00 5.500000% 32051DY97 0.000000 4.583333 1,000.000000 Residual ARU 0.00 5.500000% 32051DX72 0.000000 0.~~000000~~245481 0.000000 ARL 0.00 5.500000% 32051DX80 0.000000 0.000000 0.000000 2A1 42,~~672~~454,~~841~~702.5875 4.750000% 32051DX98 43.~~517828~~933091 3.~~498329~~480446 ~~879~~875.~~270623~~337532 3A1 23,~~934~~173,~~481~~096.9050 7.~~053336~~050107% 32051DY22 1748.~~359053~~781995 3.~~207442~~073399 ~~528~~479.~~330328~~548332 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 3,~~512~~492,~~105~~476.7735 5.~~618431~~618810% 32051DY30 51.~~521638~~565174 4.~~625533~~590922 ~~982~~980.~~412475~~847302 B2 1,~~404~~396,~~842~~990.3154 5.~~618431~~618810% 32051DY48 51.~~521638~~565174 4.~~625533~~590922 ~~982~~980.~~412475~~847302 B3 ~~702~~698,~~421~~495.1527 5.~~618431~~618810% 32051DY55 51.~~521638~~565174 4.~~625533~~590922 ~~982~~980.~~412475~~847302 B4 ~~562~~558,~~134~~992.5170 5.~~618431~~618810% 32051DY63 51.~~521638~~565174 4.~~625533~~590922 ~~982~~980.~~412475~~847302 B5 ~~421~~419,~~847~~490.8713 5.~~618431~~618810% 32051DY71 51.~~521638~~565174 4.~~625533~~590922 ~~982~~980.~~412475~~847302 B6 ~~281~~279,~~119~~548.8767 5.~~618431~~618810% 32051DY89 51.~~521636~~565174 4.~~625533~~590922 ~~982~~980.~~412600~~847426 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~235~~231,~~505~~565,~~309~~506.7569 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 161,697,850.90 43,431,485.18 22,123,869.94 Loan count 325 91 53 Avg loan rate 5.858818% 5.223958% 7.300107% Prepay amount 1,798,083.09 16,595.13 2,115,877.00 Total ----- Prin balance 227,253,206.02 Loan count 469 Avg loan rate 5.89 Prepay amount 3,930,555.22 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 31,756.58 8,752.81 2,919.85 Sub servicer fees 16,189.84 8,259.88 0.00 Trustee fees 818.37 218.13 121.32 Agg advances N/A N/A N/A Adv this period 6,303.34 0.00 0.00 Total ----- Master serv fees 43,429.24 Sub servicer fees 24,449.72 Trustee fees 1,157.83 Agg advances N/A Adv this period 6,303.34 -------------------------------------------------------------------------------- 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 2,844,137.00 2,844,137.00 2,844,137.00 Special Hazard 2,500,433.87 0.00 0.00 Total ----- Bankruptcy 0.00 Fraud 8,532,411.00 Special Hazard 2,500,433.87 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 97.048175% 100.000000% 224,719,513.03 ----------------------------------------------------------------------------- Junior 2.951825% 0.000000% 6,835,086.66 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 1 364,375.50 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 1 692,531.96 Totals: 2 1,056,907.46 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 5,376,315.28 5,376,315.28 Principal remittance amount 4,312,300.63 4,312,300.63 Interest remittance amount 1,064,014.65 1,064,014.65

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