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 Jan-98
Determination Date 2/9/98
Deposit Date 2/13/98
Distribution Date 2/17/98
Pool Balance on the close of the last day of the preceding
Collection Period 281,684,722.68
Less: Principal Collections 16,543,229.50
Purchase Amount allocable to Principal 25,859.01
Realized Losses 686,788.60
----------------
Pool Balance on the close of the last day of the Collection
Period 264,428,845.57
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 24.78672%
Class A Certificate Balance
Beginning Class A Certificate Balance 273,234,181.01
Class A Principal Distribution to Class A Distribution
Account 16,738,200.80
----------------
Ending Class A Certificate Balance 256,495,980.21
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 24.78672%
Class B Certificate Balance
Beginning Class B Certificate Balance 8,450,541.67
Class B Principal Distribution to Class B Distribution
Account 517,676.31
----------------
Ending Class B Certificate Balance 7,932,865.36
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 24.78672%
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 2,544,712.56
Recoveries 16,036.10
Purchase Amount allocable to Interest 198.01
----------------
Total Interest Collections 2,560,946.67
Advances for the related Distribution Date 420,431.63
Less: Outstanding Advances to be reimbursed 495,600.96
----------------
Total Available Interest 2,485,777.34
Available Principal
Collections and Liquidation Proceeds allocable to Principal 16,543,229.50
Purchase Amount allocable to Principal 25,859.01
----------------
Total Available Principal 16,569,088.51
Deposit to Certificate Account
Available Interest 2,485,777.34
Available Principal 16,569,088.51
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 234,737.27
----------------
Net Deposit to Certificate Account 18,820,128.58
Class A Interest Distribution
Class A Monthly Interest 1,332,016.63
Class A Interest Carryover Shortfall 0.00
-----------------
Total 1,332,016.63
Class B Interest Distribution
Class B Monthly Interest 42,252.71
Class B Interest Carryover Shortfall 0.00
----------------
Total 42,252.71
Class A Principal Distribution
Class A Monthly Principal 16,738,200.80
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
----------------
Total 16,738,200.80
Class B Principal Distribution
Class B Monthly Principal 517,676.31
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
----------------
Total 517,676.31
Basic Servicing Fee (inc. unpaid amount from prior periods) 234,737.27
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 234,737.27
Class A Interest Distribution to Class A Distribution
Account 1,332,016.63
Class B Interest Distribution to Class B Distribution
Account 42,252.71
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 16,738,200.80
Class B Principal Distribution to Class B Distribution
Account 517,676.31
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 189,982.13
Specified Reserve Account Balance
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times
reserve percentage applicable 13,221,442.28
(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 343,236,549.06
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 14,084,236.13
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 61,918.26
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 31,381.71
Less: Withdrawal by Sellers of Excess of Reserve Account
Balance Over Specified Reserve Account Balance 717,644.34
Less: Withdrawal of Investment Earnings by Servicer 61,918.26
----------------
Ending Balance 13,335,210.08
================
Available Reserve Account Balance 13,335,210.08
Realized Losses 686,788.60
Net Loss Ratio (annualized)
For the current Collection Period 2.95%
For the preceding Collection Period 1.74%
For the second preceding Collection Period 2.39%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 2.36%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,201
60 to 89 days past due 260
90 or more days past due 267
----------------
Total 1,728
Principal Balance
30 to 59 days past due 9,070,284.40
60 to 89 days past due 2,013,371.35
90 or more days past due 2,174,986.84
----------------
Total 13,258,642.59
Delinquency Ratio
For the current Collection Period 1.58%
For the preceding Collection Period 1.55%
For the second preceding Collection Period 1.36%
Average Delinquency Ratio (Specified Reserve Account Balance
increases if greater than 1.25%) 1.50%
Collateral Repossessed and Held by the Trust
Number 184
Principal Balance 1,481,085.10
Weighted Average Computations
Weighted Average Coupon 10.59640%
Weighted Average Original Term 61.09
Weighted Average Remaining Term 26.88