Exhibit 99.2
AmSouth Auto Trust 2000-1
Monthly Servicing Report
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Distribution Date: September 17, 2001 Closing Date October 19, 2000
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Collection Period Begin Date: August 1, 2001 Previous Distribution Date: August 15, 2001
Collection Period End Date: August 31, 2001 Previous Collection Period End Date: July 31, 2001
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A. Initial Bond Characteristics Cutoff Accrual
Balance Coupon Calendar Legal Final Maturity CUSIP
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i. Class A-1 Notes $230,000,000 6.745% Actual/360 11/15/2001 03216TAA8
ii. Class A-2 Notes 240,000,000 6.700% 30/360 02/17/2003 03216TAB6
iii. Class A-3 Notes 315,000,000 6.670% 30/360 07/15/2004 03216TAC4
iv. Class A-4 Notes 103,640,000 6.760% 30/360 02/15/2005 03216TAD2
v. Class B Notes 28,510,000 7.080% 30/360 07/15/2005 03216TAE0
vi. Class C Notes 14,260,000 7.440% 30/360 02/15/2007 03216TAF7
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B. Bond Balances Balance as of % of Original Balance Unpaid Interest Unpaid Interest
08/15/01 09/17/01 08/15/01 09/17/01 08/15/01 09/17/01
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i. Class A-1 Notes $ 0 $ 0 0.00% 0.00% - -
ii. Class A-2 Notes 158,328,934 127,913,584 65.97% 53.30% - -
iii. Class A-3 Notes 315,000,000 315,000,000 100.00% 100.00% - -
iv. Class A-4 Notes 103,640,000 103,640,000 100.00% 100.00% - -
v. Class B Notes 28,510,000 28,510,000 100.00% 100.00% - -
vi. Class C Notes 14,260,000 14,260,000 100.00% 100.00% - -
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C. Reserve Account
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i. Initial Reserve Deposit $7,128,117.29
ii. Beginning of Period Reserve Balance 7,128,117.29
iii. Specified Reserve Account Percent 0.75% of Initial Pool Balance
iv. Specified Reserve Account Floor 7,128,117.29
v. Specified Reserve Account Balance 7,128,117.29
vi. Reserve Account Release -
vii. Reserve Account Draws -
viii. Reserve Account Deposits -
ix. End of Period Reserve Balance 7,128,117.29
x. Specified Credit Enhancement Percent 3.25%
xi. Specified Credit Enhancement Floor 7,128,117.29
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D. Servicing
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I. Servicing Fee Percentage 1.00%
ii. Beginning of Period Servicing Shortfall -
iii. End of Period Servicing Shortfall -
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Page 1 of 4
AmSouth Auto Trust 2000-1
Monthly Servicing Report
Distribution Date: September 17, 2001 Closing Date: October 19, 2000
Collection Period Begin Date: August 1, 2001 Previous Distribution Date: August 15, 2001
Collection Period End Date: August 31, 2001 Previous Collection Period End Date: July 31, 2001
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E. Portfolio Characteristics Initial Balance Balance as of Percent of Original as of
09/30/00 07/31/01 08/31/01 07/31/01 08/31/01
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i. Principal Balance $ 950,415,639 $633,189,475 $601,752,421 66.62% 63.31%
ii. Number of Contracts 73,293 58,356 56,397 79.62% 76.95%
iii. Weighted Average Coupon (WAC) 9.44% 9.46% 9.46%
iv. Weighted Average Original Term 61.40 61.91 61.94
v. Weighted Average Remaining Term 49.40 41.81 41.04
vi. Weighted Average Seasoning 12.00 20.10 20.90
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F. Portfolio Performance # of Contracts % of Number of Contracts Principal Balance % of Principal Balance
07/31/01 08/31/01 07/31/01 08/31/01 07/31/01 08/31/01 07/31/01 08/31/01
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i. 30-59 Days Delinquent 676 707 1.16% 1.25% $7,101,409 $7,385,025 1.12% 1.23%
ii. 60-89 Days Delinquent 153 147 0.26% 0.26% 1,604,083 1,461,910 0.25% 0.24%
iii. 90-119 Days Delinquent 51 45 0.09% 0.08% 615,394 490,549 0.10% 0.08%
iv. 120+ Days Delinquent - - 0.00% 0.00% - - 0.00% 0.00%
v. Repo In Inventory (Charged-off) 19 16 0.03% 0.03% 258,224 199,801 0.04% 0.03%
vi. Repo In Inventory (Not Charged-Off) 30 24 0.05% 0.04% 385,296 388,537 0.06% 0.06%
vii. Gross Charge-Offs in Period 70 61 0.12% 0.11% 576,251 551,314 0.09% 0.09%
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G. Portfolio Charge-Offs $ % of Original Balance
07/31/01 08/31/01 07/31/01 08/31/01
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i. Gross Charge-Offs In Period $ 576,251 $ 551,314 0.061% 0.058%
ii. Cumulative Gross Charge-Offs 4,198,670 4,749,984 0.442% 0.500%
iii. Net Losses In Period 341,320 367,070 0.036% 0.039%
iv. Cumulative Net Losses 3,148,472 3,515,543 0.331% 0.370%
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H. Pool Collections
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i. Borrower Interest Collections $ 4,600,354.11
ii. Borrower Principal Collections 29,774,739.23
iii. Net Liquidation Proceeds 270,369.13
iv. Recoveries 184,243.84
v. Repurchase Amounts (Interest) 7,429.75
vi. Repurchase Amounts (Principal) 840,631.90
vii. Total Interest Collections 4,607,783.86
viii. Total Principal Collections 31,069,984.10
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I. Pool Balance Reconciliation
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i. Beginning Pool Balance $633,189,474.71
ii. Pool Balance Reductions from Principal Collections 30,885,740.26
iii. Gross Charge-Offs In Period 551,313.95
iv. Ending Pool Balance 601,752,420.50
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Page 2 of 4
AmSouth Auto Trust 2000-1
Monthly Servicing Report
Distribution Date September 17, 2001 Closing Date October 19, 2000
Collection Period Begin Date: August 1, 2001 Previous Distribution Date: August 15, 2001
Collection Period End Date: August 31, 2001 Previous Collection Period End Date July 31, 2001
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J. Total Available
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i. Total Pool Collections $35,677,767.96
ii Reinvestment Income from Reserve Account 16,143.91
Reserve Account Balance $ 7,128,117.29
Specified Reserve Account Amount 7,128,117.29
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iii. Reserve Account Release 0.00 0.00
iv. Collected Funds 35,693,911.87
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K. Waterfall
Reserve
Amount Available Reserve Account Amount
Calculation Steps Amount Due for Distribution Balance Draw Paid
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Servicing Fee $ 527,657.90
Previous Servicing Fee Shortfall 0.00
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i. Total Servicing Fee 527,657.90 $ 527,657.90 $35,693,911.87 $7,128,117.29 $0.00 $ 527,657.90
ii. Class A Notes Interest Distribution 3,218,716.88 35,166,253.97 7,128,117.29 0.00 3,218,716.88
Class A Notes Balance 576,968,934.07
Pool Balance 601,752,420.50
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iii. First Priority Principal Distribution 0.00 0.00 31,947,537.09 7,128,117.29 0.00 0.00
iv. Class B Notes Interest Distribution 168,209.00 31,947,537.09 7,128,117.29 0.00 168,209.00
Class A and B Notes Balance 605,478,934.07
Pool Balance 601,752,420.50
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v. Second Priority Principal Distribution 3,726,513.57 3,726,513.57 31,779,328.09 7,128,117.29 0.00 3,726,513.57
vi. Class C Notes Interest Distribution 88,412.00 28,052,814.52 7,128,117.29 0.00 88,412.00
vii. Reserve Fund Deposit 0.00 27,964,402.52 0.00
Outstanding Money Market Securities 0.00
Total Notes Balance 619,738,934.07
Specified Credit Enhancement Amount 19,556,953.67
Specified Reserve Account Amount 7,128,117.29
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Specified Overcollateralization
Amount 12,428,836.38
Target Securities Balance 589,323,584.12
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viii. Regular Principal Distribution 26,688,836.38 26,688,836.38 27,964,402.52 26,688,836.38
ix. Release to Seller 1,275,566.14 1,275,566.14 7,128,117.29 1,275,566.14
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Page 3 of 4
AmSouth Auto Trust 2000-1
Monthly Servicing Report
Distribution Date: September 17, 2001 Closing Date October 19, 2000
Collection Period Begin Date: August 1, 2001 Previous Distribution Date: August 15, 2001
Collection Period End Date: August 31, 2001 Previous Collection Period End Date July 31, 2001
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L. Bond Interest Distributions Accrued
Number of Previous Interest on Total Bond Total Bond
Days in Current Interest Interest Interest Interest Interest
Coupon Period Interest Shortfall Shortfall Due Paid Shortfall
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Total Class A Notes $3,218,716.88 $ - $ - $3,218,716.88 $3,218,716.88 $ -
Class A-1 Notes 6.745% 33 - - - - -
Class A-2 Notes 6.70% 30 884,003.22 - - 884,003.22 884,003.22 -
Class A-3 Notes 6.67% 30 1,750,875.00 - - 1,750,875.00 1,750,875.00 -
Class A-4 Notes 6.76% 30 583,838.67 - - 583,838.67 583,838.67 -
Class B Notes 7.08% 30 168,209.00 - - 168,209.00 168,209.00 -
Class C Notes 7.44% 30 88,412.00 - - 88,412.00 88,412.00 -
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M. Bond Principal Distributions
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First Priority Principal Distribution $ -
Second Priority Principal Distribution 3,726,513.57
Regular Principal Distribution 26,688,836.38
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Total Principal Distribution 30,415,349.95
Class A-1 Notes Principal Distribution -
Class A-2 Notes Principal Distribution 30,415,349.95
Class A-3 Notes Principal Distribution -
Class A-4 Notes Principal Distribution -
Class B Notes Principal Distribution -
Class C Notes Principal Distribution -
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Page 4 of 4