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 Apr-98
Determination Date 5/8/98
Deposit Date 5/14/98
Distribution Date 5/15/98
Pool Balance on the close of the last day of the
preceding Collection Period 230,715,183.32
Less: Principal Collections 15,760,284.38
Purchase Amount allocable to Principal 25,126.28
Realized Losses 602,288.42
-----------------
Pool Balance on the close of the last day of the
Collection Period 214,327,484.24
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 20.09037%
Class A Certificate Balance
Beginning Class A Certificate Balance 223,793,727.82
Class A Principal Distribution to Class A Distribution
Account 15,896,068.11
-----------------
Ending Class A Certificate Balance 207,897,659.71
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 20.09037%
Class B Certificate Balance
Beginning Class B Certificate Balance 6,921,455.50
Class B Principal Distribution to Class B Distribution
Account 491,630.97
-----------------
Ending Class B Certificate Balance 6,429,824.53
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 20.09037%
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 1,980,601.66
Recoveries 102,068.68
Purchase Amount allocable to Interest 95.00
----------------
Total Interest Collections 2,082,765.34
Advances for the related Distribution Date 341,366.49
Less: Outstanding Advances to be reimbursed 295,382.76
-----------------
Total Available Interest 2,128,749.07
Available Principal
Collections and Liquidation Proceeds allocable
to Principal 15,760,284.38
Purchase Amount allocable to Principal 25,126.28
----------------
Total Available Principal 15,785,410.66
Deposit to Certificate Account
Available Interest 2,128,749.07
Available Principal 15,785,410.66
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 192,262.65
-----------------
Net Deposit to Certificate Account 17,721,897.08
Class A Interest Distribution
Class A Monthly Interest 1,090,994.42
Class A Interest Carryover Shortfall 0.00
-----------------
Total 1,090,994.42
Class B Interest Distribution
Class B Monthly Interest 34,607.28
Class B Interest Carryover Shortfall 0.00
-----------------
Total 34,607.28
Class A Principal Distribution
Class A Monthly Principal 15,896,068.11
Class A Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 15,896,068.11
Class B Principal Distribution
Class B Monthly Principal 491,630.97
Class B Principal Carryover Shortfall from the
preceding Distribution Date 0.00
-----------------
Total 491,630.97
Basic Servicing Fee (inc. unpaid amount from prior
periods) 192,262.65
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 192,262.65
Class A Interest Distribution to Class A Distribution
Account 1,090,994.42
Class B Interest Distribution to Class B Distribution
Account 34,607.28
Distributions of Available Principal, Remaining Available
Interest and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution
Account 15,896,068.11
Class B Principal Distribution to Class B Distribution
Account 491,630.97
To Reserve Account up to Specified Reserve Account Balance 32,788.23
Any Remaining Amounts to Sellers 175,808.07
Specified Reserve Account Balance 13,335,210.08
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period
times reserve percentage applicable 10,716,374.21
(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 274,661,525.43
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,335,210.08
Deposit from Available Interest and Available Principal 32,788.23
Investment Earnings 55,437.94
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 32,788.23
Less: Withdrawal by Sellers of Excess of Reserve
Account Balance Over Specified Reserve
Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 55,437.94
-----------------
Ending Balance 13,335,210.08
=================
Available Reserve Account Balance 13,335,210.08
Realized Losses 602,288.42
Net Loss Ratio (annualized)
For the current Collection Period 2.70%
For the preceding Collection Period 2.29%
For the second preceding Collection Period 2.01%
Average Net Loss Ratio (Specified Reserve Account Balance
increases if greater than 1.50%) 2.33%
Delinquency Analysis
Number of Loans
30 to 59 days past due 864
60 to 89 days past due 171
90 or more days past due 166
-----------------
Total 1,201
Principal Balance
30 to 59 days past due 6,164,746.43
60 to 89 days past due 1,314,993.43
90 or more days past due 1,410,294.31
----------------
Total 8,890,034.17
Delinquency Ratio
For the current Collection Period 1.27%
For the preceding Collection Period 1.31%
For the second preceding Collection Period 1.47%
Average Delinquency Ratio (Specified Reserve Account
Balance increases if greater than 1.25%) 1.35%
Collateral Repossessed and Held by the Trust
Number 86
Principal Balance 722,787.29
Weighted Average Computations
Weighted Average Coupon 10.61150%
Weighted Average Original Term 61.51
Weighted Average Remaining Term 24.59