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 Dec-98
Determination Date 01/08/1999
Deposit Date 01/14/1999
Distribution Date 01/15/1999
Pool Balance on the close of the last day of the preceding Collection Period 125,459,219.30
Less: Principal Collections 9,676,548.41
Purchase Amount allocable to Principal 0.00
Realized Losses 170,828.54
-----------------
Pool Balance on the close of the last day of the Collection Period 115,611,842.35
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 10.83708%
Class A Certificate Balance
Beginning Class A Certificate Balance 121,695,442.72
Class A Principal Distribution to Class A Distribution Account 9,551,955.64
-----------------
Ending Class A Certificate Balance 112,143,487.08
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 10.83708%
Class B Certificate Balance
Beginning Class B Certificate Balance 3,763,776.57
Class B Principal Distribution to Class B Distribution Account 295,421.31
-----------------
Ending Class B Certificate Balance 3,468,355.26
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 10.83708%
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 1,095,728.23
Recoveries 168,114.60
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 1,263,842.83
Advances for the related Distribution Date 225,498.92
Less: Outstanding Advances to be reimbursed 209,558.73
-----------------
Total Available Interest 1,279,783.02
Available Principal
Collections and Liquidation Proceeds allocable to Principal 9,676,548.41
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 9,676,548.41
Deposit to Certificate Account
Available Interest 1,279,783.02
Available Principal 9,676,548.41
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 104,549.35
-----------------
Net Deposit to Certificate Account 10,851,782.08
Class A Interest Distribution
Class A Monthly Interest 593,265.28
Class A Interest Carryover Shortfall 0.00
-----------------
Total 593,265.28
Class B Interest Distribution
Class B Monthly Interest 18,818.88
Class B Interest Carryover Shortfall 0.00
-----------------
Total 18,818.88
Class A Principal Distribution
Class A Monthly Principal 9,551,955.64
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 9,551,955.64
Class B Principal Distribution
Class B Monthly Principal 295,421.31
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 295,421.31
Basic Servicing Fee (inc. unpaid amount from prior periods) 104,549.35
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 104,549.35
Class A Interest Distribution to Class A Distribution Account 593,265.28
Class B Interest Distribution to Class B Distribution Account 18,818.88
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 9,551,955.64
Class B Principal Distribution to Class B Distribution Account 295,421.31
To Reserve Account up to Specified Reserve Account Balance 108,109.76
Any Remaining Amounts to Sellers 284,211.21
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 5,780,592.12
(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 142,837,775.56
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,232,749.85
Deposit from Available Interest and Available Principal 108,109.76
Investment Earnings 52,855.41
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 5,649.53
Less: Withdrawal by Sellers of Excess of Reserve Account Balance Over
Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 52,855.41
-----------------
Ending Balance 13,335,210.08
=================
Available Reserve Account Balance 13,232,749.85
Realized Losses 170,828.54
Net Loss Ratio (annualized)
For the current Collection Period 0.03%
For the preceding Collection Period 4.83%
For the second preceding Collection Period 4.33%
Average Net Loss Ratio (Specified Reserve Account Balance increases if greater than 1.50%) 3.06%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,140
60 to 89 days past due 287
90 or more days past due 170
-----------------
Total 1,597
Principal Balance
30 to 59 days past due 6,524,004.24
60 to 89 days past due 1,558,472.60
90 or more days past due 1,008,765.22
-----------------
Total 9,091,242.06
Delinquency Ratio
For the current Collection Period 2.22%
For the preceding Collection Period 1.99%
For the second preceding Collection Period 1.88%
Average Delinquency Ratio (Specified Reserve Account Balance increases if greater
than 1.25%) 2.03%
Collateral Repossessed and Held by the Trust
Number 71
Principal Balance 448,216.31
Weighted Average Computations
Weighted Average Coupon 10.68380%
Weighted Average Original Term 62.78
Weighted Average Remaining Term 18.67