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 Jul-97
Determination Date 8/8/97
Deposit Date 8/14/97
Distribution Date 8/15/97
Pool Balance on the close of the last day of the preceding
Collection Period 404,386,007.19
Less: Principal Collections 23,805,209.12
Purchase Amount allocable to Principal 0.00
Realized Losses 533,499.46
-----------------
Pool Balance on the close of the last day of the Collection
Period 380,047,298.61
================
Original Pool Balance 1,066,816,806.33
Pool Factor 35.62442%
Class A Certificate Balance
Beginning Class A Certificate Balance 392,254,426.98
Class A Principal Distribution to Class A Distribution
Account 23,608,547.32
----------------
Ending Class A Certificate Balance 368,645,879.66
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 35.62442%
Class B Certificate Balance
Beginning Class B Certificate Balance 12,131,580.21
Class B Principal Distribution to Class B Distribution
Account 730,161.26
----------------
Ending Class B Certificate Balance 11,401,418.95
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 35.62442%
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 3,667,273.32
Recoveries 113,811.93
Purchase Amount allocable to Interest 0.00
----------------
Total Interest Collections 3,781,085.25
Advances for the related Distribution Date 524,163.26
Less: Outstanding Advances to be reimbursed 650,917.34
----------------
Total Available Interest 3,654,331.17
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 23,805,209.12
Purchase Amount allocable to Principal 0.00
----------------
Total Available Principal 23,805,209.12
Deposit to Certificate Account
Available Interest 3,654,331.17
Available Principal 23,805,209.12
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 336,988.34
----------------
Net Deposit to Certificate Account 27,122,551.95
Class A Interest Distribution
Class A Monthly Interest 1,912,240.33
Class A Interest Carryover Shortfall 0.00
----------------
Total 1,912,240.33
Class B Interest Distribution
Class B Monthly Interest 60,657.90
Class B Interest Carryover Shortfall 0.00
----------------
Total 60,657.90
Class A Principal Distribution
Class A Monthly Principal 23,608,547.32
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
----------------
Total 23,608,547.32
Class B Principal Distribution
Class B Monthly Principal 730,161.26
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
----------------
Total 730,161.26
Basic Servicing Fee (inc. unpaid amount from prior periods) 336,988.34
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 336,988.34
Class A Interest Distribution to Class A Distribution
Account 1,912,240.33
Class B Interest Distribution to Class B Distribution
Account 60,657.90
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 23,608,547.32
Class B Principal Distribution to Class B Distribution
Account 730,161.26
To Reserve Account up to Specified Reserve Account
Balance 0.00
Any Remaining Amounts to Sellers 810,945.14
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 4.00%
Pool Balance on last day of Collection Period
times reserve percentage applicable 15,201,891.94
(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 506,516,356.61
Specified Reserve Account Balance 15,201,891.94
Reserve Account
Beginning Balance 20,219,300.36
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 89,504.09
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 31,362.18
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 4,986,046.24
Less: Withdrawal of Investment Earnings by Servicer 89,504.09
----------------
Ending Balance 15,201,891.94
================
Available Reserve Account Balance 15,201,891.94
Realized Losses 533,499.46
Net Loss Ratio (annualized)
For the current Collection Period 1.28%
For the preceding Collection Period 1.58%
For the second preceding Collection Period 1.44%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.43%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,318
60 to 89 days past due 238
90 or more days past due 269
----------------
Total 1,825
Principal Balance
30 to 59 days past due 10,947,488.25
60 to 89 days past due 2,005,410.32
90 or more days past due 2,303,052.88
----------------
Total 15,255,951.45
Delinquency Ratio
For the current Collection Period 1.13%
For the preceding Collection Period 1.09%
For the second preceding Collection Period 1.03%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.08%
Collateral Repossessed and Held by the Trust
Number 163
Principal Balance 1,420,331.79
Weighted Average Computations
Weighted Average Coupon 10.55660%
Weighted Average Original Term 60.38
Weighted Average Remaining Term 31.33