8-K 1 fh0201_8k0310.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): October 25, 2003 FH (Depositor) (Issuer in respect of First Horizon Mortgage Pass-Through Trust, Mortgage (Exact name of registrant as specified in charter) Texas 333-74467 13-4150878 (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 2002-1 On October 25, 2003, The Bank of New York, as Trustee for FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2002-1, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of January 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 2002-1 relating to the distribution date of October 25, 2003 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of January 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: October 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 October 25, 2003 Payment Date: 10/25/03 ------------------------------------------------------------ (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 IA1 50,000,000.00 6.250000% 0.00 ~~260~~259,~~117~~561.0887 ~~260~~259,~~117~~561.0887 0.00 ~~299~~854.5980 IA2 0.00 6.250000% 0.00 0.00 0.00 0.00 0.00 IA3 ~~10,649,567~~0.5100 6.250000% ~~10,649,567~~0.5100 ~~55,402~~0.6900 ~~10,704,970~~0.2000 0.00 630.8100 IA4 3430,~~237~~084,~~000~~921.0069 6.250000% 48,~~152~~687,~~078~~927.3145 ~~178~~156,~~112~~177.5797 48,~~330~~844,~~190~~105.8742 0.00 ~~205~~514.1433 Residual IAR 0.00 6.250000% 0.00 0.00 0.00 0.00 0.00 IIA1 1716,~~160~~311,~~514~~854.0090 6.000000% ~~848~~759,~~659~~074.1025 8581,~~802~~559.5727 ~~934~~840,~~461~~633.6752 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 7,~~832~~823,~~716~~847.8266 6.~~228199~~228259% 89,~~869~~267.1661 40,~~610~~485.2633 49,~~479~~752.4295 0.00 42122.8412 B2 3,~~181~~177,~~245~~643.9070 6.~~228199~~228259% 3,~~602~~764.1903 16,~~493~~443.7906 20,~~095~~207.9908 0.00 1749.4060 B3 2,~~153~~151,~~458~~020.7635 6.~~228199~~228259% 2,~~438~~547.4196 11,~~165~~130.0368 13,~~603~~678.4464 0.00 1133.7858 B4 1,~~076~~075,~~729~~510.3818 6.~~228199~~228259% 1,~~219~~273.2098 5,~~582~~565.5234 6,~~801~~839.7232 0.00 516.8979 B5 1,~~076~~075,~~729~~510.3818 6.~~228199~~228259% 1,~~219~~273.2098 5,~~582~~565.5234 6,~~801~~839.7232 0.00 516.8979 B6 ~~809~~808,~~547~~630.1650 6.~~228199~~228259% ~~916~~957.6685 4,~~197~~184.2634 5,~~113~~142.9219 0.00 412.4362 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~128~~112,~~177,~~508,939.9117 - 159,~~668~~466,~~569~~087.7410 ~~663~~580,~~066~~673.2822 1610,~~331~~046,~~636~~760.0232 - ~~656~~1,620.7662 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior IA1 50,000,000.00 ~~299~~854.5980 IA2 0.00 0.00 IA3 0.00 630.8100 IA4 3021,~~084~~396,~~921~~994.6925 ~~205~~514.1433 Residual IAR 0.00 0.00 IIA1 1615,~~311~~552,~~854~~780.9065 0.00 -------------------------------------------------------------------------------- Subordinate B1 7,~~823~~814,~~847~~580.6605 42122.8412 B2 3,~~177~~173,~~643~~879.7068 1749.4060 B3 2,~~151~~148,~~020~~472.3540 1133.7858 B4 1,~~075~~074,~~510~~236.1820 516.8979 B5 1,~~075~~074,~~510~~236.1820 516.8979 B6 ~~808~~807,~~630~~672.5065 412.4362 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~112~~103,~~508~~042,~~939~~852.1707 ~~656~~1,620.7662 --------------------------------------------------------------------------------

Payment Date: 10/25/03 ------------------------------------------------------------ (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 IA1 50,000,000.00 6.250000% 32051DKA9 0.000000 5.~~202342~~191237 1,000.000000 IA2 0.00 6.250000% 32051DKB7 0.000000 0.000000 0.000000 IA3 ~~10,649,567~~0.5100 6.250000% 32051DKC5 ~~238~~0.~~833091~~000000 10.~~242491~~000000 0.000000 IA4 3430,~~237~~084,~~000~~921.0069 6.250000% 32051DKD3 ~~121~~253.~~274595~~758432 54.~~202342~~561672 ~~878~~624.~~725405~~966973 Residual IAR 0.00 6.250000% 32051DKE1 0.000000 0.~~000000~~025645 0.000000 IIA1 1716,~~160~~311,~~514~~854.0090 6.000000% 32051DKJ0 87.~~611894~~702818 0.~~870694~~827635 ~~165~~157.~~526966~~824148 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 7,~~832~~823,~~716~~847.8266 6.~~228199~~228259% 32051DKK7 1.~~108368~~158162 5.~~075014~~059402 ~~977~~976.~~736524~~578362 B2 3,~~181~~177,~~245~~643.9070 6.~~228199~~228259% 32051DKL5 1.~~108368~~158162 5.~~075014~~059402 ~~977~~976.~~736524~~578362 B3 2,~~153~~151,~~458~~020.7635 6.~~228199~~228259% 32051DKM3 1.~~108368~~158162 5.~~075014~~059402 ~~977~~976.~~736524~~578362 B4 1,~~076~~075,~~729~~510.3818 6.~~228199~~228259% 32051DKF8 1.~~108368~~158162 5.~~075014~~059402 ~~977~~976.~~736524~~578362 B5 1,~~076~~075,~~729~~510.3818 6.~~228199~~228259% 32051DKG6 1.~~108368~~158162 5.~~075014~~059402 ~~977~~976.~~736524~~578362 B6 ~~809~~808,~~547~~630.1650 6.~~228199~~228259% 32051DKH4 1.~~077424~~125835 4.~~933358~~918181 ~~950~~949.~~445540~~319705 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~128~~112,~~177,~~508,939.9117 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 86,094,341.33 16,948,510.68 103,042,852.01 Loan count 201 42 243 Avg loan rate 6.764995% 6.498065% 6.72 Prepay amount 8,613,847.20 695,309.56 9,309,156.76 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 10,894.69 2,629.67 13,524.36 Sub servicer fees 21,611.98 3,781.06 25,393.04 Trustee fees 308.13 59.04 367.17 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 23,342.61 0.00 23,342.61 Coverage Amounts Total ---------------- ----- Bankruptcy 134,844.00 0.00 134,844.00 Fraud 947,958.77 177,130.62 1,125,089.39 Special Hazard 1,959,792.72 0.00 1,959,792.72 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 85.693752% 100.000000% 96,396,776.59 ----------------------------------------------------------------------------- Junior 14.306248% 0.000000% 16,093,077.17 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 2 904,011.25 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 2 904,011.25 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 10,046,760.32 10,046,760.32 Principal remittance amount 9,466,087.10 9,466,087.10 Interest remittance amount 580,673.22 580,673.22

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