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-99
Determination Date 02/08/1999
Deposit Date 02/12/1999
Distribution Date 02/16/1999
Pool Balance on the close of the last day of the preceding Collection Period 115,611,842.35
Less: Principal Collections 8,957,219.35
Purchase Amount allocable to Principal 0.00
Realized Losses 245,955.40
-----------------
Pool Balance on the close of the last day of the Collection Period 106,408,667.60
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 9.97441%
Class A Certificate Balance
Beginning Class A Certificate Balance 112,143,487.08
Class A Principal Distribution to Class A Distribution Account 8,927,079.51
-----------------
Ending Class A Certificate Balance 103,216,407.57
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 9.97441%
Class B Certificate Balance
Beginning Class B Certificate Balance 3,468,355.26
Class B Principal Distribution to Class B Distribution Account 276,095.24
-----------------
Ending Class B Certificate Balance 3,192,260.02
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 9.97441%
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 1,043,497.24
Recoveries 90,514.19
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 1,134,011.43
Advances for the related Distribution Date 199,315.50
Less: Outstanding Advances to be reimbursed 218,904.49
-----------------
Total Available Interest 1,114,422.44
Available Principal
Collections and Liquidation Proceeds allocable to Principal 8,957,219.35
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 8,957,219.35
Deposit to Certificate Account
Available Interest 1,114,422.44
Available Principal 8,957,219.35
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 96,343.20
-----------------
Net Deposit to Certificate Account 9,975,298.59
Class A Interest Distribution
Class A Monthly Interest 546,699.50
Class A Interest Carryover Shortfall 0.00
-----------------
Total 546,699.50
Class B Interest Distribution
Class B Monthly Interest 17,341.78
Class B Interest Carryover Shortfall 0.00
-----------------
Total 17,341.78
Class A Principal Distribution
Class A Monthly Principal 8,927,079.51
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 8,927,079.51
Class B Principal Distribution
Class B Monthly Principal 276,095.24
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 276,095.24
Basic Servicing Fee (inc. unpaid amount from prior periods) 96,343.20
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 96,343.20
Class A Interest Distribution to Class A Distribution Account 546,699.50
Class B Interest Distribution to Class B Distribution Account 17,341.78
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 8,927,079.51
Class B Principal Distribution to Class B Distribution Account 276,095.24
To Reserve Account up to Specified Reserve Account Balance 9,957.05
Any Remaining Amounts to Sellers 198,125.51
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 5,320,433.38
(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 130,847,833.45
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,335,210.08
Deposit from Available Interest and Available Principal 9,957.05
Investment Earnings 47,840.18
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 9,957.05
Less: Withdrawal by Sellers of Excess of Reserve Account Balance Over
Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 47,840.18
-----------------
Ending Balance 13,335,210.08
=================
Available Reserve Account Balance 13,335,210.08
Realized Losses 245,955.40
Net Loss Ratio (annualized)
For the current Collection Period 1.68%
For the preceding Collection Period 0.03%
For the second preceding Collection Period 4.83%
Average Net Loss Ratio (Specified Reserve Account Balance increases if greater than 1.50%) 2.18%
Delinquency Analysis
Number of Loans
30 to 59 days past due 1,120
60 to 89 days past due 299
90 or more days past due 182
-----------------
Total 1,601
Principal Balance
30 to 59 days past due 6,222,546.43
60 to 89 days past due 1,638,433.53
90 or more days past due 1,096,087.47
-----------------
Total 8,957,067.43
Delinquency Ratio
For the current Collection Period 2.57%
For the preceding Collection Period 2.22%
For the second preceding Collection Period 1.99%
Average Delinquency Ratio (Specified Reserve Account Balance increases if greater
than 1.25%) 2.26%
Collateral Repossessed and Held by the Trust
Number 76
Principal Balance 476,321.25
Weighted Average Computations
Weighted Average Coupon 10.69950%
Weighted Average Original Term 62.97
Weighted Average Remaining Term 18.01