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 Sep-97
Determination Date 10/7/97
Deposit Date 10/14/97
Distribution Date 10/15/97
Pool Balance on the close of the last day of the preceding
Collection Period 359,122,612.28
Less: Principal Collections 20,680,689.98
Purchase Amount allocable to Principal 0.00
Realized Losses 739,001.15
-----------------
Pool Balance on the close of the last day of the Collection
Period 337,702,921.15
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 31.65519%
Class A Certificate Balance
Beginning Class A Certificate Balance 348,348,933.92
Class A Principal Distribution to Class A Distribution
Account 20,777,100.40
-----------------
Ending Class A Certificate Balance 327,571,833.52
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 31.65519%
Class B Certificate Balance
Beginning Class B Certificate Balance 10,773,678.36
Class B Principal Distribution to Class B Distribution
Account 642,590.73
-----------------
Ending Class B Certificate Balance 10,131,087.63
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 31.65519%
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 3,385,313.86
Recoveries 111,528.40
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 3,496,842.26
Advances for the related Distribution Date 444,561.32
Less: Outstanding Advances to be reimbursed 686,840.83
-----------------
Total Available Interest 3,254,562.75
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 20,680,689.98
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 20,680,689.98
Deposit to Certificate Account
Available Interest 3,254,562.75
Available Principal 20,680,689.98
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 299,268.84
-----------------
Net Deposit to Certificate Account 23,635,983.89
Class A Interest Distribution
Class A Monthly Interest 1,698,201.05
Class A Interest Carryover Shortfall 0.00
-----------------
Total 1,698,201.05
Class B Interest Distribution
Class B Monthly Interest 53,868.39
Class B Interest Carryover Shortfall 0.00
-----------------
Total 53,868.39
Class A Principal Distribution
Class A Monthly Principal 20,777,100.40
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 20,777,100.40
Class B Principal Distribution
Class B Monthly Principal 642,590.73
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 642,590.73
Basic Servicing Fee (inc. unpaid amount from prior periods) 299,268.84
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 299,268.84
Class A Interest Distribution to Class A Distribution
Account 1,698,201.05
Class B Interest Distribution to Class B Distribution
Account 53,868.39
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 20,777,100.40
Class B Principal Distribution to Class B Distribution
Account 642,590.73
To Reserve Account up to Specified Reserve Account
Balance 464,223.32
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 16,885,146.06
(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 446,275,835.13
Specified Reserve Account Balance 16,885,146.06
Reserve Account
Beginning Balance 15,585,322.11
Deposit from Available Interest and Available Principal 464,223.32
Investment Earnings 60,820.59
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 36,495.36
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 60,820.59
-----------------
Ending Balance 16,013,050.07
=================
Available Reserve Account Balance 15,585,322.11
Realized Losses 739,001.15
Net Loss Ratio (annualized)
For the current Collection Period 2.16%
For the preceding Collection Period 2.36%
For the second preceding Collection Period 1.28%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 1.93%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,289
60 to 89 days past due 265
90 or more days past due 238
-----------------
Total 1,792
Principal Balance
30 to 59 days past due 10,410,000.67
60 to 89 days past due 2,065,748.67
90 or more days past due 2,019,227.61
-----------------
Total 14,494,976.95
Delinquency Ratio
For the current Collection Period 1.21%
For the preceding Collection Period 1.17%
For the second preceding Collection Period 1.13%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.17%
Collateral Repossessed and Held by the Trust
Number 146
Principal Balance 1,276,475.80
Weighted Average Computations
Weighted Average Coupon 10.56830%
Weighted Average Original Term 60.60
Weighted Average Remaining Term 29.88