8-K 1 fh04ar5_8k0502.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): February 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: (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: February 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 February 25, 2005 Payment Date: 02/25/05 ------------------------------------------------------------ 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 33,~~802~~330,~~299~~136.3804 4.~~739518~~737819% ~~472~~816,~~163~~578.34 ~~133~~131,~~505~~593.5245 ~~605~~948,~~668~~171.8679 0.00 0.00 2A1 ~~106~~104,~~535~~485,~~473~~923.4081 5.~~194455~~190681% 2,~~049~~565,~~549~~843.5922 ~~461~~451,~~161~~960.4290 23,~~510~~017,~~711~~804.0112 0.00 0.00 3A1 2725,~~329~~634,~~337~~566.0088 5.~~419605~~417793% 1649,~~694,770~~001.1273 ~~123~~115,~~428~~735.5064 1764,~~818,198~~737.6237 0.00 0.00 4A1 2726,~~612~~144,~~239~~877.2610 5.~~679668~~663466% 1,~~467~~830,~~362~~867.1664 ~~130~~123,~~690~~392.2919 1,~~598~~954,~~052~~259.4583 0.00 0.00 Residual 2AR 0.00 5.~~194455~~190681% 0.00 0.0200 0.0200 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- Subordinate B1 3,~~776~~774,~~143~~347.7524 5.~~216021~~211023% 1,~~796~~809.5124 16,~~413~~390.7017 18,~~210~~199.2141 0.00 0.00 B2 1,~~887~~886,~~572~~674.7876 5.~~216021~~211023% ~~898~~904.0238 8,~~204~~192.6892 9,~~102~~097.7030 0.00 0.00 B3 ~~881~~880,~~399~~980.6634 5.~~216021~~211023% ~~419~~422.3330 3,~~831~~825.1767 4,~~250~~247.4997 0.00 0.00 B4 755,~~628~~268.0353 5.~~216021~~211023% ~~359~~362.4904 3,~~284~~279.4877 3,~~643~~641.9781 0.00 0.00 B5 ~~503~~502,~~086~~847.5621 5.~~216021~~211023% ~~239~~241.3404 2,~~186~~183.7662 2,~~426~~424.1066 0.00 0.00 B6 ~~630~~629,~~172~~873.8100 5.~~216021~~211023% ~~299~~301.8193 2,~~739~~735.1624 3,~~038~~037.9717 0.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- Totals - - ~~203~~198,~~713~~025,~~352~~494.6392 - 5,~~687~~866,~~857~~331.7185 ~~885~~859,~~445~~289.7058 6,~~573~~725,~~303~~621.4143 - - ---------------------------------------------------------------------------------------------------------------------------------- Class Information -------------------------------------------------------------------------------- Ending Cert. Unpaid Type Class Code Name Notional Bal. Interest -------------------------------------------------------------------------------- Senior 1A1 3332,~~330~~513,~~136~~557.0470 0.00 2A1 ~~104~~101,~~485~~920,~~923~~080.8159 0.00 3A1 2524,~~634~~985,~~566~~565.8815 0.00 4A1 2624,~~144~~314,~~877~~009.1046 0.00 Residual 2AR 0.00 0.00 -------------------------------------------------------------------------------- Subordinate B1 3,~~774~~772,~~347~~538.2400 0.00 B2 1,~~886~~885,~~674~~770.7638 0.00 B3 880,~~980~~558.3404 0.00 B4 ~~755~~754,~~268~~906.5349 0.00 B5 502,~~847~~606.2117 0.00 B6 629,~~873~~571.0007 0.00 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Totals - - ~~198~~192,~~025~~159,~~494~~163.9207 - --------------------------------------------------------------------------------

Payment Date: 02/25/05 ------------------------------------------------------------ (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 33,~~802~~330,~~299~~136.3804 4.~~739518~~737819% 32051D6M9 1018.~~619719~~366171 32.~~002756~~959750 ~~749~~731.~~648817~~282645 2A1 ~~106~~104,~~535~~485,~~473~~923.4081 5.~~194455~~190681% 32051D6N7 1519.~~930215~~943130 3.~~584398~~512886 ~~812~~792.~~121468~~178338 3A1 2725,~~329~~634,~~337~~566.0088 5.~~419605~~417793% 32051D6Q0 5019.~~098144~~184774 3.~~648600~~421196 ~~757~~738.~~768982~~584207 4A1 2726,~~612~~144,~~239~~877.2610 5.~~679668~~663466% 32051D6R8 3949.~~853395~~726164 3.~~549534~~351318 ~~710~~660.~~091993~~365829 Residual 2AR 0.00 5.~~194455~~190681% 32051D6P2 0.000000 0.~~201799~~031692 0.000000 ------------------------------------------------------------------------------------------------------------------------ Subordinate B1 3,~~776~~774,~~143~~347.7524 5.~~216021~~211023% 32051D6S6 0.~~474890~~478254 4.~~338806~~332586 997.~~712725~~234471 B2 1,~~887~~886,~~572~~674.7876 5.~~216021~~211023% 32051D6T4 0.~~474890~~478254 4.~~338806~~332586 997.~~712725~~234471 B3 ~~881~~880,~~399~~980.6634 5.~~216021~~211023% 32051D6U1 0.~~474890~~478254 4.~~338806~~332586 997.~~712725~~234471 B4 755,~~628~~268.0353 5.~~216021~~211023% 32051D6V9 0.~~474890~~478254 4.~~338806~~332586 997.~~712725~~234471 B5 ~~503~~502,~~086~~847.5621 5.~~216021~~211023% 32051D6W7 0.~~474890~~478254 4.~~338806~~332586 997.~~712726~~234471 B6 ~~630~~629,~~172~~873.8100 5.~~216021~~211023% 32051D6X5 0.~~474890~~478254 4.~~338806~~332586 997.~~712725~~234471 ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------ Totals - - ~~203~~198,~~713~~025,~~352~~494.6392 - - - - - ------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------ (null) First Horizon Mortgage Pass-Through Trust, Mortgage Pass-Through Certificates, The Bank of New York, as Trustee ------------------------------------------------------------ -------------------------------------------------------------------------------- COLLATERAL INFORMATION -------------------------------------------------------------------------------- Prin balance 34,051,209.76 106,365,267.23 26,154,971.00 Loan count 69 214 47 Avg loan rate 4.993819% 5.442681% 5.675793% Prepay amount 802,715.56 2,509,640.48 636,935.52 Total ----- Prin balance 25,587,715.81 192,159,163.80 Loan count 46 376 Avg loan rate 5.922466% 5.46 Prepay amount 1,821,468.43 5,770,759.99 -------------------------------------------------------------------------------- FEES AND ADVANCES -------------------------------------------------------------------------------- Master serv fees 7,264.26 22,331.37 5,628.95 Sub servicer fees 0.00 0.00 0.00 Trustee fees 174.34 544.67 134.02 Agg advances N/A N/A N/A Adv this period 0.00 0.00 0.00 Total ----- Master serv fees 5,780.85 41,005.42 Sub servicer fees 0.00 0.00 Trustee fees 137.10 990.13 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 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 95.744931% 100.000000% 189,595,503.83 ----------------------------------------------------------------------------- Junior 4.255069% 0.000000% 8,425,950.17 ----------------------------------------------------------------------------- -------------------------------------------------------------------------------- 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 6,725,621.43 6,725,621.43 Principal remittance amount 5,866,331.85 5,866,331.85 Interest remittance amount 859,289.58 859,289.58

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