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-97
Determination Date 9/8/97
Deposit Date 9/12/97
Distribution Date 9/15/97
Pool Balance on the close of the last day of the
preceding Collection Period 380,047,298.61
Less: Principal Collections 20,123,133.75
Purchase Amount allocable to Principal 0.00
Realized Losses 801,552.58
-----------------
Pool Balance on the close of the last day of the
Collection Period 359,122,612.28
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 33.66301%
Class A Certificate Balance
Beginning Class A Certificate Balance 368,645,879.66
Class A Principal Distribution to Class A
Distribution Account 20,296,945.74
-----------------
Ending Class A Certificate Balance 348,348,933.92
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 33.66301%
Class B Certificate Balance
Beginning Class B Certificate Balance 11,401,418.95
Class B Principal Distribution to Class B
Distribution Account 627,740.59
-----------------
Ending Class B Certificate Balance 10,773,678.36
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 33.66301%
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 3,103,485.37
Recoveries 74,514.83
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 3,178,000.20
Advances for the related Distribution Date 691,198.67
Less: Outstanding Advances to be reimbursed 467,578.15
-----------------
Total Available Interest 3,401,620.72
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 20,123,133.75
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 20,123,133.75
Deposit to Certificate Account
Available Interest 3,401,620.72
Available Principal 20,123,133.75
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 316,706.08
-----------------
Net Deposit to Certificate Account 23,208,048.39
Class A Interest Distribution
Class A Monthly Interest 1,797,148.66
Class A Interest Carryover Shortfall 0.00
-----------------
Total 1,797,148.66
Class B Interest Distribution
Class B Monthly Interest 57,007.09
Class B Interest Carryover Shortfall 0.00
-----------------
Total 57,007.09
Class A Principal Distribution
Class A Monthly Principal 20,296,945.74
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 20,296,945.74
Class B Principal Distribution
Class B Monthly Principal 627,740.59
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 627,740.59
Basic Servicing Fee (inc. unpaid amount from prior
periods) 316,706.08
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 316,706.08
Class A Interest Distribution to Class A
Distribution Account 1,797,148.66
Class B Interest Distribution to Class B
Distribution Account 57,007.09
Distributions of Available Principal, Remaining
Available Interest and Remaining Available Reserve
Amount
Class A Principal Distribution to Class A
Distribution Account 20,296,945.74
Class B Principal Distribution to Class B
Distribution Account 627,740.59
To Reserve Account up to Specified Reserve
Account Balance 429,206.31
Any Remaining Amounts to Sellers 0.00
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period
times reserve percentage applicable 17,956,130.61
(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 476,537,843.84
Specified Reserve Account Balance 17,956,130.61
Reserve Account
Beginning Balance 15,201,891.94
Deposit from Available Interest and Available
Principal 429,206.31
Investment Earnings 72,954.97
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 45,776.14
Less: Withdrawal by Sellers of Excess of Reserve
Account Balance Over Specified Reserve
Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 72,954.97
-----------------
Ending Balance 15,585,322.11
=================
Available Reserve Account Balance 15,201,891.94
Realized Losses 801,552.58
Net Loss Ratio (annualized)
For the current Collection Period 2.36%
For the preceding Collection Period 1.28%
For the second preceding Collection Period 1.58%
Average Net Loss Ratio (Specified Reserve Account
Balance increases if greater than 1.50%) 1.74%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,387
60 to 89 days past due 277
90 or more days past due 216
-----------------
Total 1,880
Principal Balance
30 to 59 days past due 11,550,178.20
60 to 89 days past due 2,368,312.83
90 or more days past due 1,831,047.49
-----------------
Total 15,749,538.52
Delinquency Ratio
For the current Collection Period 1.17%
For the preceding Collection Period 1.13%
For the second preceding Collection Period 1.09%
Average Delinquency Ratio (Specified Reserve Account
Balance increases if greater than 1.25%) 1.13%
Collateral Repossessed and Held by the Trust
Number 140
Principal Balance 1,313,589.13
Weighted Average Computations
Weighted Average Coupon 10.56240%
Weighted Average Original Term 60.48
Weighted Average Remaining Term 30.62