8-K 1 fh0403_8k0412.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): December 25, 2004 First Horizon (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) 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: December 25, 2004 First Horizon By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett VP The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated December 25, 2004 Payment Date: 12/25/04 ------------------------------------------------------------ First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, ------------------------------------------------------------

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 ~~151~~146,~~869~~104,~~999~~706.9904 5.250000% 31,~~187~~567,~~887~~481.0984 ~~664~~639,~~431~~208.2509 32,~~852~~206,~~318~~689.3493 0.00 0.00 1A2 15,939,000.00 5.250000% 0.00 69,733.13 69,733.13 0.00 0.00 1A3 16,000,000.00 5.250000% 0.00 70,000.00 70,000.00 0.00 0.00 1A4 21,257,000.00 5.250000% 0.00 92,999.38 92,999.38 0.00 0.00 1A5 63,000.00 5.250000% 0.00 275.63 275.63 0.00 0.00 Residual ARU 0.00 5.250000% 0.00 0.0001 0.0001 0.00 0.00 ARL 0.00 5.250000% 0.00 0.00 0.00 0.00 0.00 2A1 5453,~~993~~127,~~392~~245.9446 4.500000% ~~652~~236,~~117~~829.4150 ~~206~~199,~~225~~227.2217 ~~858~~436,~~342~~056.6367 0.00 0.00 B1 2,~~954~~939,~~750~~922.1558 5.~~092727~~093772% 45,~~896~~020.8696 12,~~539~~479.7841 17,~~436~~500.6437 0.00 0.00 B2 1,~~209~~203,~~122~~055.7107 5.~~092727~~093772% 2,~~003~~054.8664 5,~~131~~106.4474 7,~~135~~161.3038 0.00 0.00 B3 ~~536~~533,~~504~~812.7344 5.~~092727~~093772% ~~889~~911.1467 2,~~276~~265.8993 3,~~166~~177.0361 0.00 0.00 B4 ~~537~~534,~~498~~800.2698 5.~~092727~~093772% ~~890~~913.7936 2,~~281~~270.1113 3,~~171~~183.9049 0.00 0.00 B5 ~~269~~267,~~245~~894.8976 5.~~092727~~093772% ~~446~~457.2253 1,~~142~~137.6616 1,~~588~~594.8869 0.00 0.00 B6 ~~403~~401,~~056~~033.3776 5.~~092727~~093772% ~~667~~684.9891 1,~~710~~702.5531 2,~~378~~387.5322 0.00 0.00 CHK 0.00 0.000000% 0.00 0.00 0.00 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~266~~258,~~032~~371,~~571~~471.0409 - 31,~~849~~814,~~799~~354.3441 1,~~128~~096,~~747~~405.0408 42,~~978~~910,~~546~~759.3849 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 ~~148~~144,~~682~~537,~~112~~224.9021 0.00 1A2 15,939,000.00 0.00 1A3 16,000,000.00 0.00 1A4 21,257,000.00 0.00 1A5 63,000.00 0.00 Residual ARU 0.00 0.00 ARL 0.00 0.00 2A1 5452,~~341~~890,~~275~~415.5396 0.00 B1 2,~~949~~934,~~853~~901.2961 0.00 B2 1,~~207~~201,~~118~~000.8543 0.00 B3 ~~535~~532,~~615~~900.5976 0.00 B4 ~~536~~533,~~607~~887.4762 0.00 B5 ~~268~~267,~~799~~437.6824 0.00 B6 ~~402~~400,~~388~~348.4085 0.00 CHK 0.00 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~262~~256,~~182~~557,~~771~~116.7068 - --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, ------------------------------------------------------------

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 ~~151~~146,~~869~~104,~~999~~706.9904 5.250000% 32051DZ21 2010.~~533233~~096176 4.~~279613~~117150 ~~957~~930.~~663926~~966630 1A2 15,939,000.00 5.250000% 32051DZ39 0.000000 4.375000 1,000.000000 1A3 16,000,000.00 5.250000% 32051DZ47 0.000000 4.375000 1,000.000000 1A4 21,257,000.00 5.250000% 32051DZ54 0.000000 4.375000 1,000.000000 1A5 63,000.00 5.250000% 32051DZ62 0.000000 4.375000 1,000.000000 Residual ARU 0.00 5.250000% 32051DZ70 0.000000 0.~~062210~~169310 0.000000 ARL 0.00 5.250000% 32051DZ88 0.000000 0.000000 0.000000 2A1 5453,~~993~~127,~~392~~245.9446 4.500000% 32051DZ96 114.~~662447~~235451 3.~~688125~~562973 ~~971~~945.~~837677~~890549 B1 2,~~954~~939,~~750~~922.1558 5.~~092727~~093772% 32051D2A9 1.~~646557~~688286 4.~~216469~~196171 ~~991~~986.~~880728~~853267 B2 1,~~209~~203,~~122~~055.7107 5.~~092727~~093772% 32051D2B7 1.~~646557~~688286 4.~~216469~~196171 ~~991~~986.~~880728~~853267 B3 ~~536~~533,~~504~~812.7344 5.~~092727~~093772% 32051D2C5 1.~~646557~~688286 4.~~216469~~196171 ~~991~~986.~~880728~~853267 B4 ~~537~~534,~~498~~800.2698 5.~~092727~~093772% 32051D2D3 1.~~646557~~688286 4.~~216469~~196171 ~~991~~986.~~880728~~853267 B5 ~~269~~267,~~245~~894.8976 5.~~092727~~093772% 32051D2E1 1.~~646557~~688286 4.~~216469~~196171 ~~991~~986.~~880728~~853267 B6 ~~403~~401,~~056~~033.3776 5.~~092727~~093772% 32051D2F8 1.~~646557~~688286 4.~~216469~~196171 ~~991~~986.~~880753~~853318 CHK 0.00 0.000000% 0.000000 0.000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~266~~258,~~032~~371,~~571~~471.0409 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Total ----- Prin balance 202,446,650.83 54,110,465.83 256,557,116.66 Loan count 411 109 520 Avg loan rate 5.713850% 5.024966% 5.57 Prepay amount 1,346,779.14 24,779.07 1,371,558.21 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Total ----- Master serv fees 40,381.50 10,961.17 51,342.67 Sub servicer fees 36,873.33 12,544.63 49,417.95 Trustee fees 1,020.10 271.76 1,291.86 Agg advances N/A N/A N/A Adv this period 15,708.84 0.00 15,708.84 -------------------------------------------------------------------------------- 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 4,264,095.92 1,143,479.72 5,407,575.64 Special Hazard 0.00 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 100.000000% 100.000000% 258,371,471.09 ----------------------------------------------------------------------------- Junior 0.000000% 0.000000% 0.00 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 3 1,686,971.85 60 to 89 days 1 991,506.07 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 4 2,678,477.92 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 2,910,759.49 2,910,759.49 Principal remittance amount 1,814,354.41 1,814,354.41 Interest remittance amount 1,096,405.08 1,096,405.08

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