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-97
Determination Date 7/8/97
Deposit Date 7/14/97
Distribution Date 7/15/97
Pool Balance on the close of the last day of the preceding
Collection Period 428,547,437.10
Less: Principal Collections 23,526,810.74
Purchase Amount allocable to Principal 0.00
Realized Losses 634,619.17
----------------
Pool Balance on the close of the last day of the Collection
Period 404,386,007.19
----------------
----------------
Original Pool Balance 1,066,816,806.33
Pool Factor 37.90585%
Class A Certificate Balance
Beginning Class A Certificate Balance 415,691,013.99
Class A Principal Distribution to Class A Distribution
Account 23,436,587.01
----------------
Ending Class A Certificate Balance 392,254,426.98
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 37.90585%
Class B Certificate Balance
Beginning Class B Certificate Balance 12,856,423.11
Class B Principal Distribution to Class B Distribution
Account 724,842.90
----------------
Ending Class B Certificate Balance 12,131,580.21
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 37.90585%
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 3,671,036.69
Recoveries 86,540.96
Purchase Amount allocable to Interest 0.00
----------------
Total Interest Collections 3,757,577.65
Advances for the related Distribution Date 650,164.63
Less: Outstanding Advances to be reimbursed 570,917.56
----------------
Total Available Interest 3,836,824.72
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 23,526,810.74
Purchase Amount allocable to Principal 0.00
----------------
Total Available Principal 23,526,810.74
Deposit to Certificate Account
Available Interest 3,836,824.72
Available Principal 23,526,810.74
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 357,122.86
----------------
Net Deposit to Certificate Account 27,006,512.60
Class A Interest Distribution
Class A Monthly Interest 2,026,493.69
Class A Interest Carryover Shortfall 0.00
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Total 2,026,493.69
Class B Interest Distribution
Class B Monthly Interest 64,282.12
Class B Interest Carryover Shortfall 0.00
----------------
Total 64,282.12
Class A Principal Distribution
Class A Monthly Principal 23,436,587.01
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
----------------
Total 23,436,587.01
Class B Principal Distribution
Class B Monthly Principal 724,842.90
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
----------------
Total 724,842.90
Basic Servicing Fee (inc. unpaid amount from prior periods) 357,122.86
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 357,122.86
Class A Interest Distribution to Class A Distribution
Account 2,026,493.69
Class B Interest Distribution to Class B Distribution
Account 64,282.12
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 23,436,587.01
Class B Principal Distribution to Class B Distribution
Account 724,842.90
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 754,306.88
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times
reserve percentage applicable 20,219,300.36
(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 541,308,489.02
Specified Reserve Account Balance 20,219,300.36
Reserve Account
Beginning Balance 21,427,371.86
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 92,410.79
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 42,986.85
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 1,165,084.65
Less: Withdrawal of Investment Earnings by Servicer 92,410.79
----------------
Ending Balance 20,219,300.36
Available Reserve Account Balance 20,219,300.36
Realized Losses 634,619.17
Net Loss Ratio (annualized)
For the current Collection Period 1.58%
For the preceding Collection Period 1.44%
For the second preceding Collection Period 2.15%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.72%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,218
60 to 89 days past due 251
90 or more days past due 237
----------------
Total 1,706
Principal Balance
30 to 59 days past due 10,481,986.06
60 to 89 days past due 2,158,509.76
90 or more days past due 2,253,646.05
----------------
Total 14,894,141.87
Delinquency Ratio
For the current Collection Period 1.09%
For the preceding Collection Period 1.03%
For the second preceding Collection Period 1.08%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.07%
Collateral Repossessed and Held by the Trust
Number 145
Principal Balance 1,417,094.50
Weighted Average Computations
Weighted Average Coupon 10.54750%
Weighted Average Original Term 60.26
Weighted Average Remaining Term 32.04