Exhibit 99
MONTHLY SERVICERS CERTIFICATE
SERVICER: NATIONSBANK, N.A.
NATIONSBANK AUTO TRUST 1995-A
Pursuant to the Pooling and Servicing Agreement, dated as of December 6, 1995
(as amended and supplemented, the "Pooling and Servicing Agreement") between
NationsBank, N.A., NationsBank of Georgia,N.A.
NationsBank of Florida, N.A., and NationsBank of Texas, N.A. (as "Sellers");
NationsBank N.A.(as "Servicer"); and Chemical Bank (as "Trustee"), the Servicer
is required to prepare certain information each month regarding distributions to
Certificateholders' and the performance of the Trust. The information with
respect to the applicable Distribution Date and Due Period is set forth below.
Collection Period May-96
Determination Date 6/10/96
Deposit Date 6/14/96
Distribution Date 6/17/96
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Pool Balance on the close of the last day of the preceding
Collection Period 836,845,980.99
Less: Principal Collections 38,594,459.60
Purchase Amount allocable to Principal 0.00
Realized Losses 844,132.14
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Pool Balance on the close of the last day of the Collection
Period 797,407,389.25
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Original Pool Balance 1,066,816,806.33
Pool Factor 74.74642%
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Class A Certificate Balance
Beginning Class A Certificate Balance 811,740,601.56
Class A Principal Distribution to Class A Distribution
Account 38,255,433.99
----------------
Ending Class A Certificate Balance 773,485,167.57
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 74.74642%
Class B Certificate Balance
Beginning Class B Certificate Balance 25,105,379.43
Class B Principal Distribution to Class B Distribution
Account 1,183,157.75
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Ending Class B Certificate Balance 23,922,221.68
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 74.74642%
Class A Pass-Through Rate 5.8500%
Class B Pass-Through Rate 6.0000%
Class A Percentage 97.0000%
Class B Percentage 3.0000%
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Available Interest
Collections and Liquidation Proceeds allocable to
interest 7,350,383.63
Recoveries 69,245.34
Purchase Amount allocable to Interest 0.00
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Total Interest Collections 7,419,628.97
Advances for the related Distribution Date 1,052,403.10
Less: Outstanding Advances to be reimbursed 1,104,664.19
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Total Available Interest 7,367,367.88
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 38,594,459.60
Purchase Amount allocable to Principal 0.00
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Total Available Principal 38,594,459.60
Deposit to Certificate Account
Available Interest 7,367,367.88
Available Principal 38,594,459.60
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 697,371.65
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Net Deposit to Certificate Account 45,264,455.83
Class A Interest Distribution
Class A Monthly Interest 3,957,235.43
Class A Interest Carryover Shortfall 0.00
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Total 3,957,235.43
Class B Interest Distribution
Class B Monthly Interest 125,526.90
Class B Interest Carryover Shortfall 0.00
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Total 125,526.90
Class A Principal Distribution
Class A Monthly Principal 38,255,433.99
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
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Total 38,255,433.99
Class B Principal Distribution
Class B Monthly Principal 1,183,157.75
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
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Total 1,183,157.75
Basic Servicing Fee (inc. unpaid amount from prior periods) 697,371.65
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Distributions to the extent of Available Interest and Available
Reserve Amount (and Class B Percentage of Available Principal
with respect to Class A Interest Distribution)
Unpaid Basic Servicing Fee to Servicer 697,371.65
Class A Interest Distribution to Class A Distribution
Account 3,957,235.43
Class B Interest Distribution to Class B Distribution
Account 125,526.90
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 38,255,433.99
Class B Principal Distribution to Class B Distribution
Account 1,183,157.75
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 1,743,101.76
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 4.00%
Pool Balance on last day of Collection Period times
reserve percentage applicable 31,896,295.57
(b) Lesser of: Deposit from Available Interest and Available
Principal
(i) floor amount stated or 13,335,210.08
(ii) Pool Balance on last day of Collection
Period plus interest through
Scheduled Distribution Date 1,126,255,618.66
Specified Reserve Account Balance 31,896,295.57
Reserve Account
Beginning Balance 33,473,839.24
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 140,290.53
Less: Withdrawal from Reserve Account and deposit to
Certificate Account to cover:
Accrued and unpaid Basic Servicing Fees 0.00
Amounts to be distributed to
Certificateholders' 0.00
Reimb. to Servicer for Outstanding Advances
associated with Defaulted Accounts 56,379.73
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 1,521,163.94
Less: Withdrawal of Investment Earnings by Servicer 140,290.53
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Ending Balance 31,896,295.57
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Available Reserve Account Balance 31,896,295.57
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Realized Losses 844,132.14
Net Loss Ratio (annualized)
For the current Collection Period 1.14%
For the preceding Collection Period 1.02%
For the second preceding Collection Period 0.98%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.05%
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Delinquency Analysis
Number of Loans
30 to 59 days past due 1,203
60 to 89 days past due 215
90 or more days past due 171
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Total 1,589
Principal Balance
30 to 59 days past due 13,413,265.75
60 to 89 days past due 2,491,060.70
90 or more days past due 2,019,321.65
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Total 17,923,648.10
Delinquency Ratio
For the current Collection Period 0.57%
For the preceding Collection Period 0.54%
For the second preceding Collection Period 0.55%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 0.55%
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Collateral Repossessed and Held by the Trust
Number 159
Principal Balance 1,800,828.22
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Weighted Average Computations
Weighted Average Coupon 10.48960%
Weighted Average Original Term 59.06
Weighted Average Remaining Term 41.55