EXHIBIT 99.1 | ||||
As the Cutoff Date | ||||
Composition of the Automobile Loans as of the Cutoff Date | ||||
Aggregate Principal Balance | $466,666,666.67 | |||
Number of Automobile Loans | 65,412 | |||
Average Principal Balance | $7,134.27 | |||
Range of Principal Balances | ($500.00 to $25,224.04) | |||
Weighted Average APR | 22.76% | |||
Range of APRs | (17.02% to 29.99%) | |||
Weighted Average Remaining Term | 40.92 months | |||
Range of Remaining Terms | (1 month to 60 months) | |||
Weighted Average Original Term | 51.91 months | |||
Range of Original Terms | (12 months to 60 months) | |||
Percentage of Used Loans | 99.75% | |||
Percentage of New Loans | 0.25% | |||
Percentage of Simple Interest Loans | 95.96% | |||
Percentage of Precomputed Loans | 4.04% | |||
Distribution of the Automobile Loans by APR as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Principal | Aggregate Principal | Automobile | of Automobile | |
APR Range | Balance | Balance | Loans | Loans |
17.001% - 18.000% | $17,528,279.81 | 3.76% | 1,985 | 3.03% |
18.001% - 19.000% | $7,099,041.20 | 1.52% | 826 | 1.26% |
19.001% - 20.000% | $5,033,635.21 | 1.08% | 707 | 1.08% |
20.001% - 21.000% | $125,246,285.01 | 26.84% | 18,130 | 27.72% |
21.001% - 22.000% | $16,697,617.92 | 3.58% | 2,972 | 4.54% |
22.001% - 23.000% | $69,086.94 | 0.01% | 11 | 0.02% |
23.001% - 24.000% | $293,567,320.12 | 62.91% | 40,547 | 61.99% |
24.001% - 25.000% | $1,108,765.01 | 0.24% | 173 | 0.26% |
25.001% - 26.000% | $99,187.90 | 0.02% | 18 | 0.03% |
26.001% - 27.000% | $24,904.39 | 0.01% | 5 | 0.01% |
27.001% - 28.000% | $3,795.11 | 0.00% | 1 | 0.00% |
28.001% - 29.000% | $51,719.80 | 0.01% | 10 | 0.02% |
29.001% - 30.000% | $137,028.25 | 0.03% | 27 | 0.04% |
$466,666,666.67 | 100.00% | 65,412 | 100.00% | |
Distribution of the Automobile Loans by Geographical Location of the Obligor as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Principal | Aggregate Principal | Automobile | of Automobile | |
Geographic Location | Balance | Balance | Loans | Loans |
California | $71,686,453.68 | 15.36% | 11,197 | 17.12% |
Florida | $47,881,177.53 | 10.26% | 6,955 | 10.63% |
Texas | $38,040,353.60 | 8.15% | 4,917 | 7.52% |
Arizona | $25,270,429.48 | 5.42% | 3,580 | 5.47% |
Georgia | $24,193,311.25 | 5.18% | 3,281 | 5.02% |
Ohio | $21,706,357.82 | 4.65% | 2,984 | 4.56% |
North Carolina | $20,923,595.22 | 4.48% | 2,904 | 4.44% |
Illinois | $20,509,771.93 | 4.39% | 2,725 | 4.17% |
Virginia | $19,144,004.70 | 4.10% | 2,603 | 3.98% |
New York | $18,315,367.55 | 3.92% | 2,418 | 3.70% |
Washington | $16,781,442.21 | 3.60% | 2,599 | 3.97% |
Missouri | $15,093,186.50 | 3.23% | 2,190 | 3.35% |
Maryland | $14,607,534.77 | 3.13% | 1,990 | 3.04% |
Indiana | $13,297,028.20 | 2.85% | 1,692 | 2.59% |
Colorado | $12,556,950.91 | 2.69% | 1,746 | 2.67% |
Tennessee | $12,267,615.54 | 2.63% | 1,655 | 2.53% |
Alabama | $12,064,721.59 | 2.59% | 1,572 | 2.40% |
Massachusetts | $10,809,819.54 | 2.32% | 1,422 | 2.17% |
Oregon | $8,902,959.85 | 1.91% | 1,250 | 1.91% |
New Jersey | $8,210,180.73 | 1.76% | 1,093 | 1.67% |
Kentucky | $7,963,689.12 | 1.71% | 1,110 | 1.70% |
Utah | $7,221,156.74 | 1.55% | 975 | 1.49% |
Michigan | $6,600,683.82 | 1.41% | 920 | 1.41% |
Pennsylvania | $4,935,878.27 | 1.06% | 595 | 0.91% |
Kansas | $2,753,472.89 | 0.59% | 394 | 0.60% |
Nevada | $1,690,054.09 | 0.36% | 202 | 0.31% |
New Hampshire | $1,353,217.74 | 0.29% | 169 | 0.26% |
Other (1) | $1,886,251.40 | 0.40% | 274 | 0.42% |
$466,666,666.67 | 100.00% | 65,412 | 100.00% | |
Distribution of the Automobile Loans by Current Principal Balance as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Current | Principal | Aggregate Principal | Automobile | of Automobile |
Principal Balance | Balance | Balance | Loans | Loans |
$0.01 - $1,000.00 | $566,196.35 | 0.12% | 749 | 1.15% |
$1,000.01 - $2,000.00 | $2,928,216.38 | 0.63% | 1,920 | 2.94% |
$2,000.01 - $3,000.00 | $6,814,273.70 | 1.46% | 2,696 | 4.12% |
$3,000.01 - $4,000.00 | $13,464,894.75 | 2.89% | 3,814 | 5.83% |
$4,000.01 - $5,000.00 | $24,453,771.15 | 5.24% | 5,398 | 8.25% |
$5,000.01 - $6,000.00 | $39,053,099.55 | 8.37% | 7,072 | 10.81% |
$6,000.01 - $7,000.00 | $56,851,793.52 | 12.18% | 8,730 | 13.35% |
$7,000.01 - $8,000.00 | $71,899,987.79 | 15.41% | 9,587 | 14.66% |
$8,000.01 - $9,000.00 | $78,400,040.15 | 16.80% | 9,237 | 14.12% |
$9,000.01 - $10,000.00 | $70,371,736.46 | 15.08% | 7,428 | 11.36% |
$10,000.01 - $11,000.00 | $43,682,645.11 | 9.36% | 4,183 | 6.39% |
$11,000.01 - $12,000.00 | $24,328,525.88 | 5.21% | 2,126 | 3.25% |
$12,000.01 - $13,000.00 | $13,763,617.74 | 2.95% | 1,105 | 1.69% |
$13,000.01 - $14,000.00 | $8,065,913.46 | 1.73% | 599 | 0.92% |
$14,000.01 - $15,000.00 | $5,075,797.01 | 1.09% | 351 | 0.54% |
Over $15,000.01 | $6,946,157.67 | 1.49% | 417 | 0.64% |
Total: | $466,666,666.67 | 100.00% | 65,412 | 100.00% |
Distribution of the Automobile Loans by Original Principal Balance as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Original | Principal | Aggregate Principal | Automobile | of Automobile |
Principal Balance | Balance | Balance | Loans | Loans |
$1,000.01 - $2,000.00 | $4,190.02 | 0.00% | 3 | 0.00% |
$2,000.01 - $3,000.00 | $125,248.59 | 0.03% | 69 | 0.11% |
$3,000.01 - $4,000.00 | $1,341,456.32 | 0.29% | 548 | 0.84% |
$4,000.01 - $5,000.00 | $5,589,070.90 | 1.20% | 1,741 | 2.66% |
$5,000.01 - $6,000.00 | $14,276,350.30 | 3.06% | 3,585 | 5.48% |
$6,000.01 - $7,000.00 | $28,799,020.66 | 6.17% | 5,938 | 9.08% |
$7,000.01 - $8,000.00 | $49,438,778.77 | 10.59% | 8,562 | 13.09% |
$8,000.01 - $9,000.00 | $75,938,407.79 | 16.27% | 11,399 | 17.43% |
$9,000.01 - $10,000.00 | $95,020,449.83 | 20.36% | 12,483 | 19.08% |
$10,000.01 - $11,000.00 | $83,810,180.98 | 17.96% | 9,957 | 15.22% |
$11,000.01 - $12,000.00 | $49,452,911.23 | 10.60% | 5,456 | 8.34% |
$12,000.01 - $13,000.00 | $27,322,060.98 | 5.85% | 2,763 | 4.22% |
$13,000.01 - $14,000.00 | $15,209,829.03 | 3.26% | 1,388 | 2.12% |
$14,000.01 - $15,000.00 | $8,401,735.18 | 1.80% | 700 | 1.07% |
Over $15,000.01 | $11,936,976.09 | 2.56% | 820 | 1.25% |
Total: | $466,666,666.67 | 100.00% | 65,412 | 100.00% |
Distribution of the Automobile Loans by Remaining Term as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Principal | Aggregate Principal | Automobile | of Automobile | |
Remaining Term | Balance | Balance | Loans | Loans |
1 - 12 | $8,826,929.78 | 1.89% | 4,490 | 6.86% |
13 - 24 | $42,844,085.47 | 9.18% | 10,026 | 15.33% |
25 - 36 | $107,802,172.71 | 23.10% | 17,012 | 26.01% |
37 - 48 | $167,088,363.09 | 35.80% | 20,226 | 30.92% |
49 - 60 | $140,105,115.62 | 30.02% | 13,658 | 20.88% |
Total: | $466,666,666.67 | 100.00% | 65,412 | 100.00% |
Distribution of the Automobile Loans by Original Term as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Principal | Aggregate Principal | Automobile | of Automobile | |
Original Term | Balance | Balance | Loans | Loans |
1 - 12 | $19,044.10 | 0.00% | 10 | 0.02% |
13 - 24 | $3,401,307.52 | 0.73% | 1,141 | 1.74% |
25 - 36 | $41,271,976.29 | 8.84% | 9,403 | 14.38% |
37 - 48 | $152,039,318.10 | 32.58% | 23,867 | 36.49% |
49 - 60 | $269,935,020.66 | 57.84% | 30,991 | 47.38% |
Total: | $466,666,666.67 | 100.00% | 65,412 | 100.00% |
Distribution of the Automobile Loans by Model Year as of the Cutoff Date | ||||
Percentage of | ||||
Aggregate | Percentage of | Number of | Total Number | |
Principal | Aggregate Principal | Automobile | of Automobile | |
Model Year | Balance | Balance | Loans | Loans |
2005 | $46,257.45 | 0.01% | 3 | 0.00% |
2004 | $3,964,839.77 | 0.85% | 313 | 0.48% |
2003 | $17,104,687.22 | 3.67% | 1,651 | 2.52% |
2002 | $34,803,746.95 | 7.46% | 3,716 | 5.68% |
2001 | $61,051,610.34 | 13.08% | 6,932 | 10.60% |
2000 | $83,514,404.43 | 17.90% | 10,200 | 15.59% |
1999 | $80,845,202.94 | 17.32% | 10,511 | 16.07% |
1998 | $66,236,403.63 | 14.19% | 9,606 | 14.69% |
1997 | $52,087,356.09 | 11.16% | 8,339 | 12.75% |
1996 | $28,922,724.60 | 6.20% | 5,490 | 8.39% |
1995 | $19,302,359.31 | 4.14% | 4,079 | 6.24% |
1994 or prior | $18,787,073.94 | 4.03% | 4,572 | 6.99% |
Total: | $466,666,666.67 | 100.00% | 65,412 | 100.00% |
