8-K 1 fh04ar1_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, , 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) 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 18,~~646~~204,~~488~~337.4832 4.~~270908~~277517% ~~442~~1,~~151~~000,357.1752 6664,~~364~~891.5314 ~~508~~1,~~515~~065,248.6966 0.00 0.00 2A1 6160,~~877~~955,~~039~~648.9264 4.~~914265~~910636% ~~921~~4,~~391~~983,767.2856 ~~253~~249,~~400~~442.1752 15,~~174~~233,~~791~~210.4507 0.00 0.00 Residual 2AR 0.00 4.~~914265~~910636% 0.00 0.0001 0.0001 0.00 0.00 2RL 0.00 4.~~914265~~910636% 0.00 0.00 0.00 0.00 0.00 3A1 2625,~~074~~318,~~185~~222.7928 5.~~122389~~122178% ~~755~~402,~~963~~441.5165 ~~111~~108,~~301~~070.7737 ~~867~~510,~~265~~512.2803 0.00 0.00 3A2 1,~~372~~333,~~819~~017.3346 5.~~122389~~122178% 3921,~~801~~188.8776 5,~~860~~689.1096 4526,~~661~~878.9672 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 2,~~545~~543,~~372~~297.4504 4.~~869330~~868174% 2,~~075~~062.4132 10,~~328~~317.5568 12,~~403~~379.9699 0.00 0.00 B2 1,~~141~~140,~~200~~269.1263 4.~~869330~~868174% ~~930~~924.4963 4,~~630~~625.7386 5,~~561~~550.2348 0.00 0.00 B3 ~~615~~614,~~255~~754.7206 4.~~869330~~868174% ~~501~~498.6649 2,~~496~~493.5794 2,~~998~~992.2344 0.00 0.00 B4 ~~614~~613,~~263~~762.3752 4.~~869330~~868174% ~~500~~497.8569 2,~~492~~489.5492 2,~~993~~987.3961 0.00 0.00 B5 439,~~610~~251.1369 4.~~869330~~868174% ~~358~~356.4418 1,~~783~~781.8496 2,~~142~~138.2814 0.00 0.00 B6 263,~~477~~262.5774 4.~~869330~~868174% ~~214~~213.8348 1,~~069~~068.1301 1,~~283~~281.9648 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~113~~111,~~589~~425,~~712~~823.9039 - 26,~~163~~412,~~889~~308.5128 ~~459~~450,~~727~~871.9236 26,~~623~~863,~~617~~179.4364 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 1817,~~204~~203,~~337~~979.3280 0.00 2A1 6055,~~955~~971,~~648~~881.6409 0.00 Residual 2AR 0.00 0.00 2RL 0.00 0.00 3A1 2524,~~318~~915,~~222~~780.2862 0.00 3A2 1,~~333~~311,~~017~~828.4670 0.00 -------------------------------------------------------------------------------- Subordinate B1 2,~~543~~541,~~297~~234.0472 0.00 B2 1,~~140~~139,~~269~~345.6300 0.00 B3 614,~~754~~255.0657 0.00 B4 613,~~762~~264.5283 0.00 B5 ~~439~~438,~~251~~895.6951 0.00 B6 263,~~262~~049.7427 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~111~~105,~~425~~013,~~823~~515.3911 - --------------------------------------------------------------------------------

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 18,~~646~~204,~~488~~337.4832 4.~~270908~~277517% 32051DV33 1638.~~836157~~091445 2.~~527017~~470914 ~~693~~655.~~181681~~090237 2A1 6160,~~877~~955,~~039~~648.9264 4.~~914265~~910636% 32051DV41 949.~~110238~~276904 2.~~505489~~466358 ~~602~~553.~~697786~~420881 Residual 2AR 0.00 4.~~914265~~910636% 32051DV58 0.000000 0.~~000000~~101312 0.000000 2RL 0.00 4.~~914265~~910636% 32051DV66 0.000000 0.000000 0.000000 3A1 2625,~~074~~318,~~185~~222.7928 5.~~122389~~122178% 32051DV74 189.~~132970~~653194 2.~~669747~~592237 ~~607~~597.~~297248~~644054 3A2 1,~~372~~333,~~819~~017.3346 5.~~122389~~122178% 32051DV82 189.~~132970~~653194 2.~~669747~~592237 ~~607~~597.~~297248~~644054 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 2,~~545~~543,~~372~~297.4504 4.~~869330~~868174% 32051DV90 0.~~809126~~804023 4.~~026725~~022486 ~~991~~990.~~538808~~734785 B2 1,~~141~~140,~~200~~269.1263 4.~~869330~~868174% 32051DW24 0.~~809126~~804023 4.~~026725~~022486 ~~991~~990.~~538808~~734785 B3 ~~615~~614,~~255~~754.7206 4.~~869330~~868174% 32051DW32 0.~~809126~~804023 4.~~026725~~022486 ~~991~~990.~~538808~~734785 B4 ~~614~~613,~~263~~762.3752 4.~~869330~~868174% 32051DW40 0.~~809126~~804023 4.~~026725~~022486 ~~991~~990.~~538808~~734785 B5 439,~~610~~251.1369 4.~~869330~~868174% 32051DW57 0.~~809126~~804023 4.~~026725~~022486 ~~991~~990.~~538808~~734785 B6 263,~~477~~262.5774 4.~~869330~~868174% 32051DW65 0.~~809125~~804023 4.~~026725~~022486 ~~991~~990.~~538914~~734891 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~113~~111,~~589~~425,~~712~~823.9039 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 18,058,626.65 59,294,628.76 27,660,259.67 Loan count 36 117 55 Avg loan rate 4.558517% 5.172636% 5.377178% Prepay amount 976,252.73 4,950,001.24 394,308.04 Total ----- Prin balance 105,013,515.08 Loan count 208 Avg loan rate 5.12 Prepay amount 6,320,562.01 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 2,873.58 8,326.01 5,531.96 Sub servicer fees 492.39 642.80 117.02 Trustee fees 95.30 321.40 140.43 Agg advances N/A N/A N/A Adv this period 3,341.91 2,275.00 0.00 Total ----- Master serv fees 16,731.55 Sub servicer fees 1,252.21 Trustee fees 557.13 Agg advances N/A Adv this period 5,616.91 -------------------------------------------------------------------------------- LOSSES & INSURANCE COVERAGES -------------------------------------------------------------------------------- Realized losses 0.00 0.00 0.00 Cumulative losses 0.00 0.00 0.00 Total ----- Realized losses 0.00 Cumulative losses 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 Fraud 0.00 Special Hazard 0.00 Aggregate Certificate Information ----------------------------------------------------------------------------- Class Aggregate Aggregate Aggregate Type Percentage Prepay Pct. End Cert. Bal. ----------------------------------------------------------------------------- Senior 94.965014% 100.000000% 105,811,225.70 ----------------------------------------------------------------------------- Junior 5.034986% 0.000000% 5,610,044.90 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- DELINQUENCY INFORMATION -------------------------------------------------------------------------------- Period Loan Count Ending Stated Balance ------ ---------- --------------------- 30 to 59 days 3 1,157,988.14 60 to 89 days 0 0.00 90 or more 0 0.00 Foreclosure 0 0.00 Totals: 3 1,157,988.14 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 6,863,179.64 6,863,179.64 Principal remittance amount 6,412,308.28 6,412,308.28 Interest remittance amount 450,871.36 450,871.36

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