8-K 1 fh04ar2_8k0501.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): January 25, 2005 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) 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: January 25, 2005 FH By: /s/ Diane Pickett ------------------------------ Name: Diane Pickett VP The Bank of New York, as Trustee EXHIBIT INDEX Exhibit 99 Monthly Remittance Statement dated January 25, 2005 Payment Date: 01/25/05 ------------------------------------------------------------ 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 1514,~~359~~944,~~975~~080.7565 4.~~039771~~044887% ~~415~~24,~~895~~405.1064 5150,~~708~~372.9859 ~~467~~74,~~604~~778.0823 0.00 0.00 2A1 ~~110~~109,~~833~~116,~~932~~629.0030 4.~~603788~~601002% 13,~~717~~391,~~302~~276.7434 ~~425~~418,~~213~~371.2956 23,~~142~~809,~~516~~647.0290 0.00 0.00 Residual 2AR 0.00 4.~~603788~~601002% 0.00 0.0001 0.0001 0.00 0.00 2RL 0.00 4.~~603788~~601002% 0.00 0.00 0.00 0.00 0.00 3A1 3130,~~096~~679,~~060~~088.7879 4.~~999294~~998058% ~~416~~29,~~971~~274.9987 ~~129~~127,~~548~~779.6189 ~~546~~157,~~520~~054.6077 0.00 0.00 4A1 2221,~~396~~464,~~868~~020.7049 5.~~258474~~258893% ~~932~~86,~~848~~747.2140 9894,~~059~~064.6316 1180,~~030,907~~811.8556 0.00 840.8300 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 2,~~966~~964,~~527~~491.8363 4.~~699917~~698612% 2,~~036~~066.2049 11,~~617~~607.2650 13,~~653~~673.4599 0.00 10.4400 B2 1,~~271~~270,~~226~~354.8630 4.~~699917~~698612% ~~872~~885.5654 4,~~978~~974.2709 5,~~850~~859.8363 0.00 0.6200 B3 ~~635~~634,~~115~~679.6975 4.~~699917~~698612% ~~435~~442.9442 2,~~487~~485.1810 2,~~923~~927.1252 0.00 0.3100 B4 529,~~594~~231.9039 4.~~699917~~698612% ~~363~~368.5192 2,~~073~~072.9521 2,~~437~~441.4613 0.00 0.2600 B5 318,~~553~~334.3267 4.~~699917~~698612% ~~218~~221.6591 1,~~247~~246.4944 1,~~466~~468.1435 0.00 0.1500 B6 317,~~963~~745.7247 4.~~699917~~698612% ~~218~~221.2549 1,~~245~~244.1814 1,~~463~~465.4363 0.00 0.1500 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~185~~182,~~725~~238,~~819~~656.5645 - 3,~~487~~535,~~163~~911.1402 ~~728~~714,~~179~~217.8568 4,~~215~~250,~~342~~128.9870 - ~~87.76~~- ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 14,~~944~~919,~~080~~675.6501 0.00 2A1 ~~109~~105,~~116~~725,~~629~~352.3096 0.00 Residual 2AR 0.00 0.00 2RL 0.00 0.00 3A1 30,~~679~~649,~~088~~813.7992 0.00 4A1 21,~~464~~377,~~020~~273.4909 840.8300 -------------------------------------------------------------------------------- Subordinate B1 2,~~964~~962,~~491~~425.6314 10.4400 B2 1,~~270~~269,~~354~~468.3076 0.6200 B3 634,~~679~~237.7533 0.3100 B4 ~~529~~528,~~231~~862.3947 0.2600 B5 318,~~334~~112.6777 0.1500 B6 317,~~745~~523.4798 0.1500 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~182~~178,~~238~~702,~~656~~745.4543 ~~87.76~~- --------------------------------------------------------------------------------

Payment Date: 01/25/05 ------------------------------------------------------------ (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 1514,~~359~~944,~~975~~080.7565 4.~~039771~~044887% 32051D2G6 211.~~200749~~244107 2.~~635927~~567803 ~~761~~760.~~792356~~548249 2A1 ~~110~~109,~~833~~116,~~932~~629.0030 4.~~603788~~601002% 32051D2H4 1326.~~579165~~815716 3.~~362274~~308174 ~~862~~835.~~813952~~998236 Residual 2AR 0.00 4.~~603788~~601002% 32051D2J0 0.000000 0.~~000000~~131276 0.000000 2RL 0.00 4.~~603788~~601002% 32051D2K7 0.000000 0.000000 0.000000 3A1 3130,~~096~~679,~~060~~088.7879 4.~~999294~~998058% 32051D2L5 120.~~172588~~854616 3.~~781889~~730255 ~~895~~894.~~609073~~754457 4A1 2221,~~396~~464,~~868~~020.7049 5.~~258474~~258893% 32051D2M3 353.~~292381~~281908 3.~~709883~~558723 ~~812~~808.~~046780~~764872 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 2,~~966~~964,~~527~~491.8363 4.~~699917~~698612% 32051D2N1 0.~~683288~~693453 3.~~898408~~895133 994.~~795849~~102396 B2 1,~~271~~270,~~226~~354.8630 4.~~699917~~698612% 32051D2P6 0.~~683288~~693453 3.~~898408~~895133 994.~~795850~~102396 B3 ~~635~~634,~~115~~679.6975 4.~~699917~~698612% 32051D2Q4 0.~~683288~~693453 3.~~898408~~895133 994.~~795849~~102396 B4 529,~~594~~231.9039 4.~~699917~~698612% 32051D2R2 0.~~683288~~693453 3.~~898408~~895133 994.~~795849~~102396 B5 318,~~553~~334.3267 4.~~699917~~698612% 32051D2S0 0.~~683288~~693453 3.~~898408~~895133 994.~~795849~~102396 B6 317,~~963~~745.7247 4.~~699917~~698612% 32051D2T8 0.~~683288~~693453 3.~~898408~~895134 994.~~795881~~102427 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~185~~182,~~725~~238,~~819~~656.5645 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 15,487,766.00 109,416,424.12 31,648,272.88 Loan count 33 203 58 Avg loan rate 4.331887% 4.853002% 5.256058% Prepay amount 961.68 3,323,838.08 6,114.61 Total ----- Prin balance 22,150,282.39 178,702,745.39 Loan count 38 332 Avg loan rate 5.508893% 4.96 Prepay amount 79,053.15 3,409,967.52 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 3,154.32 21,717.84 6,441.25 Sub servicer fees 478.32 188.02 211.19 Trustee fees 77.57 564.05 158.39 Agg advances N/A N/A N/A Adv this period 1,898.54 0.00 0.00 Total ----- Master serv fees 4,521.59 35,835.00 Sub servicer fees 0.00 877.52 Trustee fees 111.19 911.19 Agg advances N/A N/A Adv this period 0.00 1,898.54 -------------------------------------------------------------------------------- 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 96.690730% 100.000000% 176,203,819.23 ----------------------------------------------------------------------------- Junior 3.309270% 0.000000% 6,030,630.45 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 1 358,812.16 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 1 358,812.16 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 4,250,128.70 4,250,128.70 Principal remittance amount 3,535,911.02 3,535,911.02 Interest remittance amount 714,217.68 714,217.68

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