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 Jun-96
Determination Date 7/8/96
Deposit Date 7/12/96
Distribution Date 7/15/96
Pool Balance on the close of the last day of
the preceding Collection Period 797,407,389.25
Less: Principal Collections 33,253,247.52
Purchase Amount allocable to Principal 0.00
Realized Losses 810,696.76
-------------------
Pool Balance on the close of the last day of
the Collection Period 763,343,444.97
===================
Original Pool Balance 1,066,816,806.33
Pool Factor 71.55338%
Class A Certificate Balance
Beginning Class A Certificate Balance 773,485,167.57
Class A Principal Distribution to Class A
Distribution Account 33,042,025.95
-------------------
Ending Class A Certificate Balance 740,443,141.62
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 71.55338%
Class B Certificate Balance
Beginning Class B Certificate Balance 23,922,221.68
Class B Principal Distribution to Class B
Distribution Account 1,021,918.33
-------------------
Ending Class B Certificate Balance 22,900,303.35
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 71.55338%
Class A Pass-Through Rate 5.8500%
Class B Pass-Through Rate 6.0000%
Class A Percentage 97.0000%
Class B Percentage 3.0000%
Available Interest
Collections and Liquidation Proceeds allocable
to interest 6,527,378.94
Recoveries 37,522.69
Purchase Amount allocable to Interest 0.00
-------------------
Total Interest Collections 6,564,901.63
Advances for the related Distribution Date 1,285,866.60
Less: Outstanding Advances to be reimbursed 899,331.99
-------------------
Total Available Interest 6,951,436.24
Available Principal
Collections and Liquidation Proceeds allocable
to Principal 33,253,247.52
Purchase Amount allocable to Principal 0.00
-------------------
Total Available Principal 33,253,247.52
Deposit to Certificate Account
Available Interest 6,951,436.24
Available Principal 33,253,247.52
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 664,506.16
-------------------
Net Deposit to Certificate Account 39,540,177.60
Class A Interest Distribution
Class A Monthly Interest 3,770,740.19
Class A Interest Carryover Shortfall 0.00
-------------------
Total 3,770,740.19
Class B Interest Distribution
Class B Monthly Interest 119,611.11
Class B Interest Carryover Shortfall 0.00
-------------------
Total 119,611.11
Class A Principal Distribution
Class A Monthly Principal 33,042,025.95
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-------------------
Total 33,042,025.95
Class B Principal Distribution
Class B Monthly Principal 1,021,918.33
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-------------------
Total 1,021,918.33
Basic Servicing Fee (inc. unpaid amount from prior periods) 664,506.16
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 664,506.16
Class A Interest Distribution to Class A Distribution
Account 3,770,740.19
Class B Interest Distribution to Class B Distribution
Account 119,611.11
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A
Distribution Account 33,042,025.95
Class B Principal Distribution to Class B
Distribution Account 1,021,918.33
To Reserve Account up to Specified Reserve
Account Balance 0.00
Any Remaining Amounts to Sellers 1,585,882.02
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 4.00%
Pool Balance on last day of Collection Period
times reserve percentage applicable 30,533,737.80
(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 1,074,129,965.83
Specified Reserve Account Balance 30,533,737.80
Reserve Account
Beginning Balance 31,896,295.57
Deposit from Available Interest and Available
Principal 0.00
Investment Earnings 135,765.03
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 49,892.77
Less: Withdrawal by Sellers of Excess of Reserve
Account Balance Over Specified Reserve
Account Balance 1,312,665.00
Less: Withdrawal of Investment Earnings by Servicer 135,765.03
-------------------
Ending Balance 30,533,737.80
===================
Available Reserve Account Balance 30,533,737.80
Realized Losses 810,696.76
Net Loss Ratio (annualized)
For the current Collection Period 1.19%
For the preceding Collection Period 1.14%
For the second preceding Collection Period 1.02%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.12%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,288
60 to 89 days past due 232
90 or more days past due 188
-------------------
Total 1,708
Principal Balance
30 to 59 days past due 13,993,720.48
60 to 89 days past due 2,727,753.95
90 or more days past due 2,244,771.35
-------------------
Total 18,966,245.78
Delinquency Ratio
For the current Collection Period 0.65%
For the preceding Collection Period 0.57%
For the second preceding Collection Period 0.54%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 0.59%
Collateral Repossessed and Held by the Trust
Number 157
Principal Balance 1,884,617.46
Weighted Average Computations
Weighted Average Coupon 10.49260%
Weighted Average Original Term 59.12
Weighted Average Remaining Term 40.8