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 Oct-97
Determination Date 11/7/97
Deposit Date 11/14/97
Distribution Date 11/17/97
Pool Balance on the close of the last day of the preceding
Collection Period 337,702,921.15
Less: Principal Collections 19,942,964.15
Purchase Amount allocable to Principal 0.00
Realized Losses 707,414.78
-----------------
Pool Balance on the close of the last day of the Collection
Period 317,052,542.22
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 29.71949%
Class A Certificate Balance
Beginning Class A Certificate Balance 327,571,833.52
Class A Principal Distribution to Class A Distribution
Account 20,030,867.56
-----------------
Ending Class A Certificate Balance 307,540,965.96
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 29.71949%
Class B Certificate Balance
Beginning Class B Certificate Balance 10,131,087.63
Class B Principal Distribution to Class B Distribution
Account 619,511.37
-----------------
Ending Class B Certificate Balance 9,511,576.26
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 29.71949%
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 2,919,727.28
Recoveries 144,748.27
Purchase Amount allocable to Interest 0.00
----------------
Total Interest Collections 3,064,475.55
Advances for the related Distribution Date 529,033.93
Less: Outstanding Advances to be reimbursed 488,776.12
-----------------
Total Available Interest 3,104,733.36
Available Principal
Collections and Liquidation Proceeds allocable to Principal 19,942,964.15
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 19,942,964.15
Deposit to Certificate Account
Available Interest 3,104,733.36
Available Principal 19,942,964.15
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 281,419.10
-----------------
Net Deposit to Certificate Account 22,766,278.41
Class A Interest Distribution
Class A Monthly Interest 1,596,912.69
Class A Interest Carryover Shortfall 0.00
-----------------
Total 1,596,912.69
Class B Interest Distribution
Class B Monthly Interest 50,655.44
Class B Interest Carryover Shortfall 0.00
-----------------
Total 50,655.44
Class A Principal Distribution
Class A Monthly Principal 20,030,867.56
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 20,030,867.56
Class B Principal Distribution
Class B Monthly Principal 619,511.37
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 619,511.37
Basic Servicing Fee (inc. unpaid amount from prior periods) 281,419.10
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 281,419.10
Class A Interest Distribution to Class A Distribution
Account 1,596,912.69
Class B Interest Distribution to Class B Distribution
Account 50,655.44
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 20,030,867.56
Class B Principal Distribution to Class B Distribution
Account 619,511.37
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 468,331.35
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times
reserve percentage applicable 15,852,627.11
(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 417,140,509.61
Specified Reserve Account Balance 15,852,627.11
Reserve Account
Beginning Balance 16,013,050.07
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 65,602.95
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 35,335.05
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 125,087.91
Less: Withdrawal of Investment Earnings by Servicer 65,602.95
-----------------
Ending Balance 15,852,627.11
=================
Available Reserve Account Balance 15,852,627.11
Realized Losses 707,414.78
Net Loss Ratio (annualized)
For the current Collection Period 2.06%
For the preceding Collection Period 2.16%
For the second preceding Collection Period 2.36%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 2.19%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,362
60 to 89 days past due 256
90 or more days past due 251
-----------------
Total 1,869
Principal Balance
30 to 59 days past due 10,587,652.42
60 to 89 days past due 1,977,962.72
90 or more days past due 2,102,515.74
-----------------
Total 14,668,130.88
Delinquency Ratio
For the current Collection Period 1.29%
For the preceding Collection Period 1.21%
For the second preceding Collection Period 1.17%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.22%
Collateral Repossessed and Held by the Trust
Number 144
Principal Balance 1,273,022.01
Weighted Average Computations
Weighted Average Coupon 10.57380%
Weighted Average Original Term 60.71
Weighted Average Remaining Term 29.12