8-K 1 fh0304_8k0311.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): November 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 November 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 November 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: November 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 November 25, 2003 Payment Date: 11/25/03 ------------------------------------------------------------ (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 4443,~~300~~673,~~075~~435.2158 4.500000% ~~626~~590,~~639~~378.6345 ~~166~~163,~~125~~775.2838 ~~792~~754,~~764~~153.9183 0.00 0.00 1A2 3231,~~300~~843,~~396~~496.9888 4.250000% ~~456~~430,~~900~~461.1008 ~~114~~112,~~397~~779.2405 ~~571~~543,~~297~~240.3413 0.00 0.00 1A3 1615,~~150~~921,~~198~~748.4944 5.000000% ~~228~~215,~~450~~230.0554 6766,~~292~~340.4962 ~~295~~281,~~742~~571.5416 0.00 0.00 1A4 11,~~250~~000,~~551~~086.2563 5.000000% ~~250~~235,~~464~~971.6121 4645,~~877~~833.3069 ~~297~~281,~~341~~804.9190 0.00 0.00 1A5 4544,~~501~~948,~~084~~778.7517 5.000000% ~~552~~520,~~306~~346.5876 ~~189~~187,~~587~~286.8558 ~~741~~707,~~894~~633.4334 0.00 0.00 1A6 4039,~~375~~804,~~496~~371.2310 1.620000% ~~571~~538,~~125~~076.1335 5453,~~506~~735.9290 ~~625~~591,~~632~~812.0525 0.00 0.00 1A7 4039,~~375~~804,~~496~~371.2310 6.880000% 0.00 ~~231~~228,~~486~~211.1873 ~~231~~228,~~486~~211.1873 0.00 0.00 1A8 22,000,000.00 5.500000% 0.00 100,833.33 100,833.33 0.00 0.00 1A9 9,~~758~~674,~~701~~293.3834 5.500000% 84,~~408~~794.0491 44,~~727~~340.3851 129,135.42 0.00 0.00 A10 18,~~416~~500,~~298~~706.6266 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 0.23 0.23 0.00 0.00 ARL 0.00 5.500000% 0.00 0.00 0.00 0.00 0.00 2A1 5754,~~571~~973,~~400~~918.7789 4.350000% 2232,~~597,481~~790.8883 ~~208~~199,~~696~~280.3346 2432,~~806,178~~071.2129 0.00 0.00 2A2 10,~~691~~209,~~750~~364.7287 1.570000% ~~482~~43,~~385~~232.8426 13,~~988~~357.3725 ~~496~~56,~~374~~589.2251 0.00 0.00 2A3 10,~~691~~209,~~750~~364.7287 6.930000% 0.00 6158,~~744~~959.8608 6158,~~744~~959.8608 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 4,~~829~~822,~~624~~152.2300 5.~~402089~~402297% 7,~~472~~679.2310 21,~~741~~708.7191 29,~~213~~388.9401 0.00 0.00 B2 1,~~609~~607,~~874~~384.7400 5.~~402089~~402297% 2,~~490~~559.7470 7,~~247~~236.2430 9,~~737~~796.9800 0.00 0.00 B3 1,~~207~~206,~~902~~033.3249 5.~~402089~~402297% 1,~~868~~920.8256 5,~~437~~429.6646 7,~~306~~350.4902 0.00 0.00 B4 ~~603~~602,~~454~~521.9025 5.~~402089~~402297% ~~933~~959.6449 2,~~716~~712.6050 3,~~650~~671.2499 0.00 0.00 B5 402,~~964~~341.9549 5.~~402089~~402297% ~~623~~640.4571 1,~~814~~811.0431 2,~~437~~452.5002 0.00 0.00 B6 ~~603~~602,~~888~~954.3302 5.~~402089~~402297% ~~934~~960.3118 2,~~718~~714.5545 3,~~652~~674.8663 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~350~~344,~~073~~293,~~663~~586.8784 - 52,~~864~~906,~~485~~002.0614 1,~~490~~465,~~897~~305.9107 74,~~355~~371,~~382~~307.9721 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 43,~~673~~083,~~435~~057.5813 0.00 1A2 31,~~843~~413,~~496~~035.8880 0.00 1A3 15,~~921~~706,~~748~~517.4490 0.00 1A4 1110,~~000~~764,~~086~~115.6343 0.00 1A5 44,~~948~~428,~~778~~431.1741 0.00 1A6 39,~~804~~266,~~371~~294.1075 0.00 1A7 39,~~804~~266,~~371~~294.1075 0.00 1A8 22,000,000.00 0.00 1A9 9,~~674~~589,~~293~~498.3444 0.00 A10 18,~~500~~585,~~706~~501.6656 0.00 A11 32,500,000.00 0.00 Residual ARU 0.00 0.00 ARL 0.00 0.00 2A1 54,~~973~~741,~~918~~128.8906 0.00 2A2 10,~~209~~166,~~364~~132.8762 0.00 2A3 10,~~209~~166,~~364~~132.8762 0.00 -------------------------------------------------------------------------------- Subordinate B1 4,~~822~~814,~~152~~472.0090 0.00 B2 1,~~607~~604,~~384~~824.0030 0.00 B3 1,~~206~~204,~~033~~112.4993 0.00 B4 ~~602~~601,~~521~~561.2576 0.00 B5 ~~402~~401,~~341~~700.4978 0.00 B6 ~~602~~601,~~954~~993.0284 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~344~~341,~~293~~472,~~586~~379.8461 - --------------------------------------------------------------------------------

Payment Date: 11/25/03 ------------------------------------------------------------ (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 4443,~~300~~673,~~075~~435.2158 4.500000% 32051DWL2 1110.~~422503~~761527 32.~~028162~~985328 ~~796~~785.~~087422~~325895 1A2 3231,~~300~~843,~~396~~496.9888 4.250000% 32051DWM0 1110.~~422503~~761527 2.~~859931~~819476 ~~796~~785.~~087422~~325895 1A3 1615,~~150~~921,~~198~~748.4944 5.000000% 32051DWN8 1110.~~422503~~761527 3.~~364625~~317031 ~~796~~785.~~087422~~325895 1A4 11,~~250~~000,~~551~~086.2563 5.000000% 32051DWP3 1615.~~697641~~731414 3.~~125153~~055580 ~~733~~717.~~339109~~607695 1A5 4544,~~501~~948,~~084~~778.7517 5.000000% 32051DWQ1 9.~~991110~~412964 3.~~429605~~387975 ~~813~~803.~~113980~~701016 1A6 4039,~~375~~804,~~496~~371.2310 1.620000% 32051DWR9 1110.~~422503~~761527 1.~~090138~~074718 ~~796~~785.~~087422~~325895 1A7 4039,~~375~~804,~~496~~371.2310 6.880000% 32051DWS7 0.000000 4.~~629724~~564235 ~~796~~785.~~087422~~325895 1A8 22,000,000.00 5.500000% 32051DWT5 0.000000 4.583333 1,000.000000 1A9 9,~~758~~674,~~701~~293.3834 5.500000% 32051DWU2 8.~~295630~~333652 4.~~395811~~357790 ~~950~~942.~~790501~~456849 A10 18,~~416~~500,~~298~~706.6266 5.500000% 32051DWV0 0.000000 0.000000 1,~~027~~032.~~817036~~527865 A11 32,500,000.00 5.500000% 32051DWW8 0.000000 4.583333 1,000.000000 Residual ARU 0.00 5.500000% 32051DWX6 0.000000 4.~~618758~~521140 0.000000 ARL 0.00 5.500000% 32051DWY4 0.000000 0.000000 0.000000 2A1 5754,~~571~~973,~~400~~918.7789 4.350000% 32051DWZ1 393.~~287034~~520972 3.~~156542~~014126 ~~831~~827.~~483070~~962098 2A2 10,~~691~~209,~~750~~364.7287 1.570000% 32051DXA5 393.~~287034~~520972 1.~~139258~~087857 ~~831~~827.~~483070~~962098 2A3 10,~~691~~209,~~750~~364.7287 6.930000% 32051DXB3 0.000000 54.~~028697~~801815 ~~831~~827.~~483070~~962098 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 4,~~829~~822,~~624~~152.2300 5.~~402089~~402297% 32051DXC1 1.~~535599~~578113 4.~~468088~~461347 ~~990~~989.~~988903~~410789 B2 1,~~609~~607,~~874~~384.7400 5.~~402089~~402297% 32051DXD9 1.~~535599~~578113 4.~~468088~~461347 ~~990~~989.~~988903~~410789 B3 1,~~207~~206,~~902~~033.3249 5.~~402089~~402297% 32051DXE7 1.~~535599~~578113 4.~~468088~~461347 ~~990~~989.~~988903~~410789 B4 ~~603~~602,~~454~~521.9025 5.~~402089~~402297% 32051DXF4 1.~~535599~~578113 4.~~468088~~461347 ~~990~~989.~~988903~~410789 B5 402,~~964~~341.9549 5.~~402089~~402297% 32051DXG2 1.~~535599~~578113 4.~~468088~~461347 ~~990~~989.~~988903~~410789 B6 ~~603~~602,~~888~~954.3302 5.~~402089~~402297% 32051DXH0 1.~~535602~~578116 4.~~468095~~461354 ~~990~~989.~~990531~~412416 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~350~~344,~~073~~293,~~663~~586.8784 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 274,765,903.84 66,706,474.73 341,472,378.57 Loan count 561 144 705 Avg loan rate 5.999000% 5.462463% 5.89 Prepay amount 2,250,195.59 23,551.59 2,273,747.18 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 54,551.20 13,463.66 68,014.86 Sub servicer fees 58,141.52 12,018.22 70,159.74 Trustee fees 1,384.10 334.95 1,719.04 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 97.319421% 100.000000% 335,050,200.59 ----------------------------------------------------------------------------- Junior 2.680579% 0.000000% 9,228,666.51 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 3 1,440,813.13 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 3 1,440,813.13 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 4,371,307.21 4,371,307.21 Principal remittance amount 2,906,002.14 2,906,002.14 Interest remittance amount 1,465,305.07 1,465,305.07

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