8-K 1 fh04ar2_8k0409.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): September 25, 2004 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 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 2004-AR2 On September 25, 2004, The Bank of New York, as Trustee for FH, First Horizon Mortgage Pass-Through Trust Mortgage Pass-Through Certificates, Series 2004-AR2, made a monthly distribution to Certificate holders of principal and/or interest pursuant to the Pooling and Servicing Agreement, dated as of April 1, 2004, 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 2004-AR2 relating to the distribution date of September 25, 2004 prepared by The Bank of New York, as Trustee under the Pooling and Servicing Agreement dated as of April 1, 2004. 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: September 25, 2004 FH By: /s/ Cirino Emanuele ------------------------------ Name: Cirino Emanuele AT The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated September 25, 2004 Payment Date: 09/25/04 ------------------------------------------------------------ (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 18,~~401~~375,~~249~~078.1497 4.~~034918~~034939% 261,~~170~~262,399.1827 61,~~872~~785.9426 881,~~043~~324,184.1154 0.00 0.00 2A1 118,~~879~~173,~~940~~502.0053 4.~~609952~~611154% ~~706~~1,~~437~~581,380.4760 ~~456~~454,~~692~~096.3281 12,~~163~~035,~~129~~477.7942 0.00 0.00 Residual 2AR 0.00 4.~~609952~~611154% 0.00 0.00 0.00 0.00 0.00 2RL 0.00 4.~~609952~~611154% 0.00 0.00 0.00 0.00 0.00 3A1 32,~~505~~465,~~620~~134.2389 4.~~998836~~998991% 40548,~~485~~719.3411 135,~~408~~244.5409 ~~175~~683,~~893~~963.8921 0.00 0.00 4A1 22,~~846~~833,~~994~~510.9615 5.~~260131~~260185% 1314,~~484~~904.8050 100,~~148~~090.4940 ~~113~~114,~~633~~994.2991 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 2,~~974~~972,~~369~~422.6871 4.~~703130~~703958% 1,~~946~~921.9774 11,~~657~~651.3779 13,~~604~~573.3453 0.00 0.00 B2 1,~~274~~273,~~587~~752.2895 4.~~703130~~703958% ~~834~~823.3251 4,~~995~~993.4607 5,~~829~~816.7858 0.00 0.00 B3 636,~~794~~377.5875 4.~~703130~~703958% ~~416~~411.8343 2,~~495~~494.7758 2,~~912~~906.6101 0.00 0.00 B4 530,~~994~~647.8628 4.~~703130~~703958% ~~347~~343.5808 2,~~081~~080.12 2,~~428~~423.6919 0.00 0.00 B5 319,~~395~~186.4033 4.~~703130~~703958% ~~209~~206.0736 1,251.8020 1,~~460~~457.8756 0.00 0.00 B6 318,~~804~~595.2455 4.~~703130~~703958% ~~208~~205.6898 1,~~249~~248.4888 1,~~458~~454.1786 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~198~~197,~~688~~898,~~750~~209.3712 - ~~790~~3,~~541~~411,315.2559 ~~777~~774,~~853~~936.3022 14,~~568~~186,~~394~~251.5581 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 1817,~~375~~112,~~078~~679.9769 0.00 2A1 ~~118~~116,~~173~~592,~~502~~121.5393 0.00 Residual 2AR 0.00 0.00 2RL 0.00 0.00 3A1 3231,~~465~~916,~~134~~415.8977 0.00 4A1 22,~~833~~818,~~510~~605.1565 0.00 -------------------------------------------------------------------------------- Subordinate B1 2,~~972~~970,~~422~~500.7198 0.00 B2 1,~~273~~272,~~752~~929.9544 0.00 B3 ~~636~~635,~~377~~966.7532 0.00 B4 530,~~647~~304.2820 0.00 B5 ~~319~~318,~~186~~979.3397 0.00 B6 318,~~595~~389.5557 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~197~~194,~~898~~486,~~209~~893.1253 - --------------------------------------------------------------------------------

Payment Date: 09/25/04 ------------------------------------------------------------ (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,~~401~~375,~~249~~078.1497 4.~~034918~~034939% 32051D2G6 164.~~334056~~352310 3.~~154047~~149577 ~~936~~872.~~691592~~339282 2A1 118,~~879~~173,~~940~~502.0053 4.~~609952~~611154% 32051D2H4 512.~~585987~~504393 3.~~611187~~590663 ~~934~~921.~~429037~~924643 Residual 2AR 0.00 4.~~609952~~611154% 32051D2J0 0.000000 0.~~039343~~077926 0.000000 2RL 0.00 4.~~609952~~611154% 32051D2K7 0.000000 0.000000 0.000000 3A1 32,~~505~~465,~~620~~134.2389 4.~~998836~~998991% 32051D2L5 116.~~181881~~018658 3.~~952957~~948156 ~~947~~931.~~748792~~730135 4A1 22,~~846~~833,~~994~~510.9615 5.~~260131~~260185% 32051D2M3 0.~~510170~~563881 3.~~788911~~786713 863.~~858586~~294705 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 2,~~974~~972,~~369~~422.6871 4.~~703130~~703958% 32051D2N1 0.~~653345~~644878 3.~~911870~~909998 ~~997~~996.~~457286~~812408 B2 1,~~274~~273,~~587~~752.2895 4.~~703130~~703958% 32051D2P6 0.~~653345~~644878 3.~~911870~~909998 ~~997~~996.~~457286~~812408 B3 636,~~794~~377.5875 4.~~703130~~703958% 32051D2Q4 0.~~653345~~644878 3.~~911870~~909998 ~~997~~996.~~457286~~812408 B4 530,~~994~~647.8628 4.~~703130~~703958% 32051D2R2 0.~~653345~~644878 3.~~911870~~909998 ~~997~~996.~~457286~~812408 B5 319,~~395~~186.4033 4.~~703130~~703958% 32051D2S0 0.~~653345~~644878 3.~~911870~~909998 ~~997~~996.~~457286~~812408 B6 318,~~804~~595.2455 4.~~703130~~703958% 32051D2T8 0.~~653345~~644878 3.~~911871~~909998 ~~997~~996.~~457305~~812427 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~198~~197,~~688~~898,~~750~~209.3712 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 17,684,200.41 120,292,074.15 32,917,873.04 Loan count 37 222 60 Avg loan rate 4.321939% 4.863154% 5.256991% Prepay amount 1,237,824.09 1,513,733.31 524,798.20 Total ----- Prin balance 23,592,745.92 194,486,893.52 Loan count 40 359 Avg loan rate 5.510185% 4.96 Prepay amount 6,381.88 3,282,737.48 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 3,763.68 24,781.37 6,805.02 Sub servicer fees 584.21 203.13 223.12 Trustee fees 94.74 609.38 167.34 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 4,800.28 40,150.35 Sub servicer fees 0.00 1,010.45 Trustee fees 118.04 989.49 Agg advances N/A N/A Adv this period 0.00 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 0.00 Cumulative losses 0.00 0.00 Coverage Amounts ---------------- Bankruptcy 0.00 0.00 0.00 Fraud 403,848.20 2,603,529.50 705,202.61 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 544,149.85 4,256,730.15 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 96.944293% 100.000000% 191,847,226.54 ----------------------------------------------------------------------------- Junior 3.055707% 0.000000% 6,047,070.48 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 0 0.00 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 0 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 4,186,251.81 4,186,251.81 Principal remittance amount 3,411,315.59 3,411,315.59 Interest remittance amount 774,936.22 774,936.22

Filing Compare · FIRST HORIZON ASSET SEC MORT PAS THR CERTS SER 2004-AR2