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-97
Determination Date 6/9/97
Deposit Date 6/13/97
Distribution Date 6/16/97
Pool Balance on the close of the last day of the preceding
Collection Period 454,007,828.09
Less: Principal Collections 24,795,450.99
Purchase Amount allocable to Principal 0.00
Realized Losses 664,940.00
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Pool Balance on the close of the last day of the Collection
Period 428,547,437.10
===============
Original Pool Balance 1,066,816,806.33
Pool Factor 40.17067%
Class A Certificate Balance
Beginning Class A Certificate Balance 440,387,593.25
Class A Principal Distribution to Class A
Distribution Account 24,696,579.26
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Ending Class A Certificate Balance 415,691,013.99
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 40.17067%
Class B Certificate Balance
Beginning Class B Certificate Balance 13,620,234.84
Class B Principal Distribution to Class B
Distribution Account 763,811.73
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Ending Class B Certificate Balance 12,856,423.11
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 40.17067%
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 3,953,638.92
Recoveries 134,607.83
Purchase Amount allocable to Interest 0.00
------------
Total Interest Collections 4,088,246.75
Advances for the related Distribution Date 643,449.37
Less: Outstanding Advances to be reimbursed 628,011.39
------------
Total Available Interest 4,103,684.73
Available Principal
Collections and Liquidation Proceeds allocable to Principal 24,795,450.99
Purchase Amount allocable to Principal 0.00
-------------
Total Available Principal 24,795,450.99
Deposit to Certificate Account
Available Interest 4,103,684.73
Available Principal 24,795,450.99
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 378,339.86
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Net Deposit to Certificate Account 28,520,795.86
Class A Interest Distribution
Class A Monthly Interest 2,146,889.52
Class A Interest Carryover Shortfall 0.00
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Total 2,146,889.52
Class B Interest Distribution
Class B Monthly Interest 68,101.17
Class B Interest Carryover Shortfall 0.00
-------------
Total 68,101.17
Class A Principal Distribution
Class A Monthly Principal 24,696,579.26
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-------------
Total 24,696,579.26
Class B Principal Distribution
Class B Monthly Principal 763,811.73
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-------------
Total 763,811.73
Basic Servicing Fee (inc. unpaid amount from prior periods) 378,339.86
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 378,339.86
Class A Interest Distribution to Class A Distribution Account 2,146,889.52
Class B Interest Distribution to Class B Distribution Account 68,101.17
Distributions of Available Principal, Remaining Available Interest and
Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 24,696,579.26
Class B Principal Distribution to Class B Distribution Account 763,811.73
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 845,414.18
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times reserve
percentage applicable 21,427,371.86
(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 575,984,709.50
Specified Reserve Account Balance 21,427,371.86
Reserve Account
Beginning Balance 22,700,391.40
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 100,873.98
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 36,550.47
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 1,236,469.07
Less: Withdrawal of Investment Earnings by Servicer 100,873.98
-------------
Ending Balance 21,427,371.86
=============
Available Reserve Account Balance 21,427,371.86
Realized Losses 664,940.00
Net Loss Ratio (annualized)
For the current Collection Period 1.44%
For the preceding Collection Period 2.15%
For the second preceding Collection Period 1.39%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.66%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,253
60 to 89 days past due 261
90 or more days past due 240
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Total 1,754
Principal Balance
30 to 59 days past due 10,925,677.26
60 to 89 days past due 2,194,698.07
90 or more days past due 2,234,739.58
-------------
Total 15,355,114.91
Delinquency Ratio
For the current Collection Period 1.03%
For the preceding Collection Period 1.08%
For the second preceding Collection Period 1.01%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.04%
Collateral Repossessed and Held by the Trust
Number 162
Principal Balance 1,511,852.75
Weighted Average Computations
Weighted Average Coupon 10.54110%
Weighted Average Original Term 60.17
Weighted Average Remaining Term 32.77