8-K 1 fh04ar5_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 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: (818)-304-4428 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 FH 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, 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 4436,~~461~~890,~~000~~287.0003 4.~~769612~~761238% 13,~~548~~087,~~713~~987.5165 ~~176~~145,~~718~~344.0898 13,~~725~~233,~~431~~332.5963 0.00 01,024.0056 2A1 ~~128~~116,~~658~~052,~~000~~328.0070 5.~~230346~~208265% 19,~~203~~516,~~427~~855.4432 ~~560~~503,~~771~~692.5176 110,~~764~~020,~~198~~548.9409 0.00 0.00 3A1 3328,~~829~~321,~~000~~691.0028 5.~~470454~~426095% ~~524~~992,~~341~~354.2928 ~~154~~128,~~216~~063.6648 ~~678~~1,~~557~~120,417.9577 0.00 0.00 4A1 3632,~~819~~029,~~000~~210.0056 5.~~710056~~697135% 284,~~982~~416,971.3230 ~~175~~150,~~198~~412.7854 ~~204~~4,~~181~~567,383.1085 0.00 01,649.0073 Residual 2AR ~~100~~0.00 5.~~230346~~208265% ~~100~~0.00 0.4400 ~~100~~0.4400 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 3,~~783~~777,~~000~~844.0038 5.~~252089~~230808% 1,~~761~~700.3263 16,~~557~~419.2110 18,~~318~~119.5373 0.00 048.0055 B2 1,~~891~~888,~~000~~422.0087 5.~~252089~~230808% ~~880~~850.4309 8,~~276~~207.4238 9,~~156~~057.8447 0.00 024.0027 B3 ~~883~~881,~~000~~796.0061 5.~~252089~~230808% ~~411~~396.1195 3,~~864~~832.6643 4,~~275~~229.7837 0.00 011.0033 B4 ~~757~~755,~~000~~968.0033 5.~~252089~~230808% ~~352~~340.4531 3,~~313~~285.1956 3,~~665~~625.6486 0.00 09.0071 B5 ~~504~~503,~~000~~313.0013 5.~~252089~~230808% ~~234~~226.6657 2,~~205~~187.8848 2,~~440~~414.5305 0.00 06.0047 B6 ~~631~~630,~~317~~456.0062 5.~~252089~~230808% ~~293~~283.9381 2,~~763~~740.1106 3,~~057~~023.0487 0.00 08.0010 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~252~~221,~~216~~731,~~417~~319.0050 - 318,~~309~~017,~~498~~966.4590 1964,~~103,885~~185.9478 418,~~413~~982,~~384~~152.3968 - -2,782.72 ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 4233,~~912~~802,~~286~~299.4938 ~~153~~1,~~155~~024.6756 2A1 ~~127~~106,~~454~~535,~~572~~473.5640 ~~486,001~~0.9700 3A1 3327,~~304~~329,~~658~~337.7100 ~~133,654~~0.4400 4A1 3627,~~790~~612,~~017~~239.6826 ~~151~~1,~~838~~649.9473 Residual 2AR 0.00 0.3700 -------------------------------------------------------------------------------- Subordinate B1 3,~~781~~776,~~238~~143.6875 ~~14,349~~48.5855 B2 1,~~890~~887,~~119~~572.5778 ~~7,172~~24.8927 B3 ~~882~~881,~~588~~399.8966 ~~3,349~~11.3733 B4 ~~756~~755,~~647~~628.5503 ~~2,871~~9.4371 B5 503,~~765~~086.3456 ~~1,911~~6.7647 B6 ~~631~~630,~~023~~172.0781 ~~2,394~~8.7010 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~248~~203,~~906~~713,~~918~~352.5563 ~~956~~2,~~701~~782.1472 --------------------------------------------------------------------------------

Payment Date: 12/25/04 ------------------------------------------------------------ (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 4436,~~461~~890,~~000~~287.0003 4.~~769612~~761238% 32051D6M9 3469.~~833079~~453851 3.~~974676~~269044 ~~965~~760.~~166921~~268536 2A1 ~~128~~116,~~658~~052,~~000~~328.0070 5.~~230346~~208265% 32051D6N7 973.~~353693~~970179 43.~~358621~~914974 ~~990~~828.~~646307~~051683 3A1 3328,~~829~~321,~~000~~691.0028 5.~~470454~~426095% 32051D6Q0 1529.~~499757~~334426 43.~~558712~~785612 ~~984~~807.~~500243~~867126 4A1 3632,~~819~~029,~~000~~210.0056 5.~~710056~~697135% 32051D6R8 0119.~~787157~~964456 4.~~758380~~085188 ~~999~~749.~~212843~~945389 Residual 2AR ~~100~~0.00 5.~~230346~~208265% 32051D6P2 ~~1,000~~0.000000 40.~~390572~~000000 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 3,~~783~~777,~~000~~844.0038 5.~~252089~~230808% 32051D6S6 0.~~465588~~449544 4.~~376741~~340233 ~~999~~998.~~534412~~187616 B2 1,~~891~~888,~~000~~422.0087 5.~~252089~~230808% 32051D6T4 0.~~465588~~449544 4.~~376741~~340233 ~~999~~998.~~534412~~187616 B3 ~~883~~881,~~000~~796.0061 5.~~252089~~230808% 32051D6U1 0.~~465588~~449544 4.~~376741~~340233 ~~999~~998.~~534412~~187616 B4 ~~757~~755,~~000~~968.0033 5.~~252089~~230808% 32051D6V9 0.~~465588~~449544 4.~~376741~~340233 ~~999~~998.~~534412~~187616 B5 ~~504~~503,~~000~~313.0013 5.~~252089~~230808% 32051D6W7 0.~~465588~~449544 4.~~376741~~340233 ~~999~~998.~~534412~~187616 B6 ~~631~~630,~~317~~456.0062 5.~~252089~~230808% 32051D6X5 0.~~465588~~449544 4.~~376741~~340233 ~~999~~998.~~534412~~187616 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~252~~221,~~216~~731,~~417~~319.0050 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 35,341,219.96 110,985,455.44 28,499,809.13 Loan count 72 222 51 Avg loan rate 5.017238% 5.460265% 5.684095% Prepay amount 3,074,189.23 9,457,727.28 978,991.92 Total ----- Prin balance 28,886,868.83 203,713,353.36 Loan count 51 396 Avg loan rate 5.956135% 5.49 Prepay amount 4,406,882.56 17,917,790.99 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 4,816.53 18,235.42 5,622.38 Sub servicer fees 0.00 0.00 0.00 Trustee fees 192.15 602.52 147.46 Agg advances N/A N/A N/A Adv this period 0.00 2,327.50 0.00 Total ----- Master serv fees 4,257.39 32,931.72 Sub servicer fees 0.00 0.00 Trustee fees 166.52 1,108.66 Agg advances N/A N/A Adv this period 2,367.62 4,695.12 -------------------------------------------------------------------------------- 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 0.00 0.00 0.00 Special Hazard 0.00 0.00 0.00 Total ----- Bankruptcy 0.00 0.00 Fraud 0.00 0.00 Special Hazard 0.00 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 96.196231% 100.000000% 213,293,517.57 ----------------------------------------------------------------------------- Junior 3.803769% 0.000000% 8,434,003.59 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 2 1,015,600.00 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 2 1,015,600.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 18,982,152.68 18,982,152.68 Principal remittance amount 18,017,966.90 18,017,966.90 Interest remittance amount 964,185.78 964,185.78

Filing Compare · First Horizon Asset Sec Mort Pas Thr Certs Ser 2004-AR5