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 Feb-99
Determination Date 03/08/1999
Deposit Date 03/12/1999
Distribution Date 03/15/1999
Pool Balance on the close of the last day of the preceding Collection Period 106,408,667.60
Less: Principal Collections 8,699,562.50
Purchase Amount allocable to Principal 0.00
Realized Losses 274,484.82
-----------------
Pool Balance on the close of the last day of the Collection Period 97,434,620.28
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 9.13321%
Class A Certificate Balance
Beginning Class A Certificate Balance 103,216,407.57
Class A Principal Distribution to Class A Distribution Account 8,704,825.90
-----------------
Ending Class A Certificate Balance 94,511,581.67
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 9.13321%
Class B Certificate Balance
Beginning Class B Certificate Balance 3,192,260.02
Class B Principal Distribution to Class B Distribution Account 269,221.42
-----------------
Ending Class B Certificate Balance 2,923,038.60
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 9.13321%
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 890,445.12
Recoveries 99,895.93
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 990,341.05
Advances for the related Distribution Date 210,654.59
Less: Outstanding Advances to be reimbursed 158,951.74
-----------------
Total Available Interest 1,042,043.90
Available Principal
Collections and Liquidation Proceeds allocable to Principal 8,699,562.50
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 8,699,562.50
Deposit to Certificate Account
Available Interest 1,042,043.90
Available Principal 8,699,562.50
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 88,673.89
-----------------
Net Deposit to Certificate Account 9,652,932.51
Class A Interest Distribution
Class A Monthly Interest 503,179.99
Class A Interest Carryover Shortfall 0.00
-----------------
Total 503,179.99
Class B Interest Distribution
Class B Monthly Interest 15,961.30
Class B Interest Carryover Shortfall 0.00
-----------------
Total 15,961.30
Class A Principal Distribution
Class A Monthly Principal 8,704,825.90
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 8,704,825.90
Class B Principal Distribution
Class B Monthly Principal 269,221.42
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 269,221.42
Basic Servicing Fee (inc. unpaid amount from prior periods) 88,673.89
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 88,673.89
Class A Interest Distribution to Class A Distribution Account 503,179.99
Class B Interest Distribution to Class B Distribution Account 15,961.30
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 8,704,825.90
Class B Principal Distribution to Class B Distribution Account 269,221.42
To Reserve Account up to Specified Reserve Account Balance 11,584.02
Any Remaining Amounts to Sellers 148,159.88
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 4,871,731.01
(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 119,300,357.20
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,335,210.08
Deposit from Available Interest and Available Principal 11,584.02
Investment Earnings 42,821.37
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 11,584.02
Less: Withdrawal by Sellers of Excess of Reserve Account Balance Over
Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 42,821.37
-----------------
Ending Balance 13,335,210.08
=================
Available Reserve Account Balance 13,335,210.08
Realized Losses 274,484.82
Net Loss Ratio (annualized)
For the current Collection Period 2.06%
For the preceding Collection Period 1.68%
For the second preceding Collection Period 0.03%
Average Net Loss Ratio (Specified Reserve Account Balance increases if greater than 1.50%) 1.26%
Delinquency Analysis
Number of Loans
30 to 59 days past due 932
60 to 89 days past due 278
90 or more days past due 174
-----------------
Total 1,384
Principal Balance
30 to 59 days past due 5,040,998.30
60 to 89 days past due 1,451,874.26
90 or more days past due 972,687.05
-----------------
Total 7,465,559.61
Delinquency Ratio
For the current Collection Period 2.49%
For the preceding Collection Period 2.57%
For the second preceding Collection Period 2.22%
Average Delinquency Ratio (Specified Reserve Account Balance increases if greater
than 1.25%) 2.43%
Collateral Repossessed and Held by the Trust
Number 74
Principal Balance 436,835.11
Weighted Average Computations
Weighted Average Coupon 10.70710%
Weighted Average Original Term 63.13
Weighted Average Remaining Term 17.30
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