8-K 1 fhl0404_8k0503.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): March 25, 2005 First Horizon (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, First Horizon (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: March 25, 2005 First Horizon By: /s/ Paul Galli ------------------------------ Name: Paul Galli Assistant Treasurer The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated March 25, 2005 Payment Date: 03/25/05 ------------------------------------------------------------ First Horizon Mortgage Pass-Through Trust, First Horizon ABS Notes, Series 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 A1 ~~125~~120,~~582~~924,~~700~~869.2089 2.~~680000~~800000% 46,~~002~~439,~~078~~422.6074 ~~348~~256,~~803~~534.5156 46,~~350~~695,~~882~~957.1129 0.00 06,812.0094 A2 58,022,000.00 4.070000% 0.00 ~~196~~191,~~791~~700.2819 ~~196~~191,~~791~~700.2819 0.00 05,091.0009 A3 14,267,000.00 4.685000% 0.00 5554,~~700~~259.7574 5554,~~700~~259.7574 0.00 01,441.0001 A4 16,384,000.00 5.303000% 0.00 7270,~~403~~530.6351 7270,~~403~~530.6351 0.00 01,873.0012 A5 15,000,000.00 4.610000% 0.00 5756,~~625~~134.0021 5756,~~625~~134.0021 0.00 01,490.0079 C 0.00 0.000000% 0.00 ~~584,713~~0.8900 ~~584,713~~0.8900 0.00 0.00 Residual R 0.00 0.000000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~229~~224,~~255~~597,~~700~~869.2089 - 46,~~002~~439,~~078~~422.6074 1629,~~316,038~~159.0620 57,~~318~~068,~~116~~581.6694 - -16,708.95 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior A1 ~~121~~114,~~580~~485,~~621~~447.6015 06,812.0094 A2 58,022,000.00 05,091.0009 A3 14,267,000.00 01,441.0001 A4 16,384,000.00 01,873.0012 A5 15,000,000.00 01,490.0079 C 0.00 0.00 Residual R 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~225~~218,~~253~~158,~~621~~447.6015 -16,708.95 --------------------------------------------------------------------------------

Payment Date: 03/25/05 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, First Horizon ABS Notes, Series 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 A1 ~~125~~120,~~582~~924,~~700~~869.2089 2.~~680000~~800000% 32051GDP7 3048.~~174306~~551049 21.~~629859~~934183 ~~916~~863.~~676380~~181187 A2 58,022,000.00 4.070000% 32051GDQ5 0.000000 3.~~391667~~303922 1,000.000000 A3 14,267,000.00 4.685000% 32051GDR3 0.000000 3.~~904167~~803164 1,000.000000 A4 16,384,000.00 5.303000% 32051GDS1 0.000000 4.~~419167~~304840 1,000.000000 A5 15,000,000.00 4.610000% 32051GDT9 0.000000 3.~~841667~~742281 1,000.000000 C 0.00 0.000000% 0.000000 0.000000 0.000000 Residual R 0.00 0.000000% 32051GDU6 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~229~~224,~~255~~597,~~700~~869.2089 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, First Horizon ABS Notes, Series The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 219,467,754.75 219,467,754.75 Loan count 5829 5829 Avg loan rate 7.834930% 7.83 Prepay amount 5,483,251.23 5,483,251.23 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 93,855.68 93,855.68 Sub servicer fees 1,126.27 1,126.27 Trustee fees 1,126.27 1,126.27 Agg advances N/A N/A Adv this period 13,176.45 13,176.45 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Total ----- Realized losses 0.00 0.00 Cumulative losses 0.00 0.00 Coverage Amounts Total ---------------- ----- Bankruptcy 0.00 0.00 Fraud 4,726,111.06 4,726,111.06 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 224,597,869.89 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 34 1,531,083.65 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 34 1,531,083.65 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 7,068,581.94 7,068,581.94 Principal remittance amount 6,439,422.74 6,439,422.74 Interest remittance amount 629,159.20 629,159.20

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