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 Aug-96
Determination Date 9/9/96
Deposit Date 9/13/96
Distribution Date 9/16/96
Pool Balance on the close of the last day of the
preceding Collection Period 725,146,825.21
Less: Principal Collections 33,889,518.68
Purchase Amount allocable to Principal 0.00
Realized Losses 881,155.59
-------------------
Pool Balance on the close of the last day of the
Collection Period 690,376,150.94
Original Pool Balance 1,066,816,806.33
Pool Factor 64.71366%
Class A Certificate Balance
Beginning Class A Certificate Balance 703,392,420.45
Class A Principal Distribution to Class A
Distribution Account 33,727,554.04
-------------------
Ending Class A Certificate Balance 669,664,866.41
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 64.71366%
Class B Certificate Balance
Beginning Class B Certificate Balance 21,754,404.76
Class B Principal Distribution to Class B
Distribution Account 1,043,120.23
-------------------
Ending Class B Certificate Balance 20,711,284.53
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 64.71366%
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 6,158,181.24
Recoveries 28,830.07
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 6,187,011.31
Advances for the related Distribution Date 1,074,962.54
Less: Outstanding Advances to be reimbursed 911,509.02
-----------------
Total Available Interest 6,350,464.83
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 33,889,518.68
Purchase Amount allocable to Principal 0.00
-------------------
Total Available Principal 33,889,518.68
Deposit to Certificate Account
Available Interest 6,350,464.83
Available Principal 33,889,518.68
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 604,289.02
-------------------
Net Deposit to Certificate Account 39,635,694.49
Class A Interest Distribution
Class A Monthly Interest 3,429,038.05
Class A Interest Carryover Shortfall 0.00
------------------
Total 3,429,038.05
Class B Interest Distribution
Class B Monthly Interest 108,772.02
Class B Interest Carryover Shortfall 0.00
------------------
Total 108,772.02
Class A Principal Distribution
Class A Monthly Principal 33,727,554.04
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-------------------
Total 33,727,554.04
Class B Principal Distribution
Class B Monthly Principal 1,043,120.23
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-------------------
Total 1,043,120.23
Basic Servicing Fee (inc. unpaid amount from prior periods) 604,289.02
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 604,289.02
Class A Interest Distribution to Class A
Distribution Account 3,429,038.05
Class B Interest Distribution to Class B
Distribution Account 108,772.02
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A
Distribution Account 33,727,554.04
Class B Principal Distribution to Class B
Distribution Account 1,043,120.23
To Reserve Account up to Specified Reserve Account
Balance 0.00
Any Remaining Amounts to Sellers 1,327,210.15
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 4.00%
Pool Balance on last day of Collection
Period times reserve percentage applicable 27,615,046.04
(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 963,286,997.58
Specified Reserve Account Balance 27,615,046.04
Reserve Account
Beginning Balance 29,005,873.01
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 121,862.63
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 51,958.73
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 1,338,868.24
Less: Withdrawal of Investment Earnings by Servicer 121,862.63
-----------------
Ending Balance 27,615,046.04
Available Reserve Account Balance 27,615,046.04
Realized Losses 881,155.59
Net Loss Ratio (annualized)
For the current Collection Period 1.45%
For the preceding Collection Period 0.98%
For the second preceding Collection Period 1.19%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.21%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,252
60 to 89 days past due 280
90 or more days past due 242
-----------
Total 1,774
Principal Balance
30 to 59 days past due 13,120,527.86
60 to 89 days past due 2,969,539.39
90 or more days past due 2,807,458.06
-------------------
Total 18,897,525.31
Delinquency Ratio
For the current Collection Period 0.84%
For the preceding Collection Period 0.79%
For the second preceding Collection Period 0.65%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 0.76%
Collateral Repossessed and Held by the Trust
Number 231
Principal Balance 2,543,927.36
Weighted Average Computations
Weighted Average Coupon 10.49820%
Weighted Average Original Term 59.28
Weighted Average Remaining Term 39.28