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 Nov-97
Determination Date 12/8/97
Deposit Date 12/12/97
Distribution Date 12/15/97
Pool Balance on the close of the last day of the preceding
Collection Period 317,052,542.22
Less: Principal Collections 16,381,771.46
Purchase Amount allocable to Principal 0.00
Realized Losses 721,087.57
-----------------
Pool Balance on the close of the last day of the
Collection Period 299,949,683.19
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 28.11633%
Class A Certificate Balance
Beginning Class A Certificate Balance 307,540,965.96
Class A Principal Distribution to Class A Distribution
Account 16,589,773.26
-----------------
Ending Class A Certificate Balance 290,951,192.70
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 28.11633%
Class B Certificate Balance
Beginning Class B Certificate Balance 9,511,576.26
Class B Principal Distribution to Class B Distribution
Account 513,085.77
-----------------
Ending Class B Certificate Balance 8,998,490.49
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 28.11633%
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 2,568,311.01
Recoveries 107,262.61
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 2,675,573.62
Advances for the related Distribution Date 584,540.88
Less: Outstanding Advances to be reimbursed 372,549.16
-----------------
Total Available Interest 2,887,565.34
Available Principal
Collections and Liquidation Proceeds allocable to
Principal 16,381,771.46
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 16,381,771.46
Deposit to Certificate Account
Available Interest 2,887,565.34
Available Principal 16,381,771.46
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from
Collections 264,210.45
-----------------
Net Deposit to Certificate Account 19,005,126.35
Class A Interest Distribution
Class A Monthly Interest 1,499,262.21
Class A Interest Carryover Shortfall 0.00
-----------------
Total 1,499,262.21
Class B Interest Distribution
Class B Monthly Interest 47,557.88
Class B Interest Carryover Shortfall 0.00
-----------------
Total 47,557.88
Class A Principal Distribution
Class A Monthly Principal 16,589,773.26
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 16,589,773.26
Class B Principal Distribution
Class B Monthly Principal 513,085.77
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 513,085.77
Basic Servicing Fee (inc. unpaid amount from prior periods) 264,210.45
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 264,210.45
Class A Interest Distribution to Class A Distribution
Account 1,499,262.21
Class B Interest Distribution to Class B Distribution
Account 47,557.88
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 16,589,773.26
Class B Principal Distribution to Class B Distribution
Account 513,085.77
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 355447.23
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times
reserve percentage applicable 14,997,484.16
(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 392,892,379.65
Specified Reserve Account Balance 14,997,484.16
Reserve Account
Beginning Balance 15,852,627.11
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 67,071.38
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 34,686.75
Less: Withdrawal by Sellers of Excess of Reserve
Account Balance Over Specified Reserve Account
Balance 820,456.20
Less: Withdrawal of Investment Earnings by Servicer 67,071.38
-----------------
Ending Balance 14,997,484.16
=================
Available Reserve Account Balance 14,997,484.16
Realized Losses 721,087.57
Net Loss Ratio (annualized)
For the current Collection Period 2.39%
For the preceding Collection Period 2.06%
For the second preceding Collection Period 2.16%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 2.20%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,276
60 to 89 days past due 247
90 or more days past due 247
-----------------
Total 1,770
Principal Balance
30 to 59 days past due 9,929,627.72
60 to 89 days past due 1,978,983.88
90 or more days past due 2,094,576.52
-----------------
Total 14,003,188.12
Delinquency Ratio
For the current Collection Period 1.36%
For the preceding Collection Period 1.29%
For the second preceding Collection Period 1.21%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.29%
Collateral Repossessed and Held by the Trust
Number 149
Principal Balance 1,366,893.65
Weighted Average Computations
Weighted Average Coupon 10.57690%
Weighted Average Original Term 60.83
Weighted Average Remaining Term 28.40