Page 1
Chase Manhattan Auto Owner Trust 1997-A
Statement to Certificateholders
October 16 2000
DISTRIBUTION IN DOLLARS
ORIGINAL PRIOR CURRENT
FACE PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS VALUE BALANCE PRINCIPAL INTEREST TOTAL LOSES INTEREST BALANCE
A1 250,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A2 365,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A3 270,000,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
A4 165,000,000.00 12,406,235.18 11,005,909.73 66,166.59 11,072,076.32 0.00 0.00 1,400,325.45
A5 85,500,000.00 85,500,000.00 0.00 463,125.00 463,125.00 0.00 0.00 85,500,000.00
B1 35,153,718.13 35,153,718.13 0.00 194,810.19 194,810.19 0.00 0.00 35,153,718.13
TOTALS 1,170,653,718.13 133,059,953.31 11,005,909.73 724,101.78 11,730,011.51 0.00 0.00 122,054,043.58
FACTOR INFORMATION PER $1000 OF ORIGINAL FACE PASS-THROUGH RATES
PRIOR CURRENT CURRENT
PRINCIPAL PRINCIPAL CLASS PASS THRU
CLASS FACTOR PRINCIPAL INTEREST TOTAL FACTOR RATE
A1 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A1 5.545000%
A2 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A2 5.950000%
A3 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A3 6.250000%
A4 75.18930412 66.70248321 0.40100964 67.10349285 8.48682091 A4 6.400000%
A5 1,000.00000000 0.00000000 5.41666667 5.41666667 1,000.00000000 A5 6.500000%
B1 1,000.00000000 0.00000000 5.54166672 5.54166672 1,000.00000000 B1 6.650000%
TOTALS 113.66294853 9.40150752 0.61854481 10.02005232 104.26144101
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 2
Chase Manhattan Auto Owner Trust 1997-A
Statement to Certificateholders
October 16 2000
IF THERE, ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT PLEASE CONTACT THE
ADMINISTRATOR LISTED BELOW:
Kimberly Costa
The Chase Manhattan Bank - Structured Finance Services
450 W. 33rd Street, 14th Floor,
New York, New York 10001
Tel: (212) 946-3247
Email: kimberly.k.costa@chase.com
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 3
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
STATEMENT TO CERTIFICATEHOLDERS
Due Period 43
Due Period Beginning Date 09/01/00
Due Period End Date 09/30/00
Determination Date 10/10/00
Section 5.8(iii) Servicing Fee 110,883.29
SectFion 5.8(iii) Servicing Fee per $1000 0.09471912
Section 5.8(iv) Administration Fee 1,000.00
Section 5.8(iv) Administration Fee per $1000 0.00085422
Section 5.8(vi) Pool Balance at the end of the Collection Period 122,054,043.58
Section 5.8(vii) Repurchase Amounts for Repurchased Receivable
By Seller 0.00
By Servicer 114,224.53
TOTAL 114,224.53
Section 5.8(viii) Realized Net Losses for Collection Period 66,616.02
Section 5.8(ix) Reserve Account Balance after Disbursement 8,779,902.89
Section 5.8(x) Specified Reserve Account Balance 8,779,902.89
Section 5.8(xi) Total Distribution Amount 11,957,356.74
Servicing Fee 110,883.29
Administration Fee 1,000.00
Noteholders Distribution Amount 11,535,201.32
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 4
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
Certficateholders Distribution Amount 194,810.19
Deposit to Reserve Account 115,461.94
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 5
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
I. Avaliable Amount in the Collection Accont
A.Credits
1. Payments from Obligors Applied to Collection Period
a. Principal Payments 10,769,152.76
b. Other Interest Payments 1,016,820.12
c. Total 11,785,972.88
2. Proceeds from Repurchased Receivables
a. Principal Before Cutoff Date 0.00
b. Interest Before Cutoff Date 0.00
c. Principal Payments 114,224.53
d. Recovery of Advance 0.00
e. Other Interest Payments 0.00
f. Total 114,224.53
3. Reversal from Defaulted Contracts 0.00
4. Recovery of Defaulted Receivables 57,159.33
5. Advance Recoveries Before Cutoff Date
a. Principal 0.00
b. Interest 0.00
c. Total 0.00
6. Net Adjustments 0.00
7. Reserve Fund Transfer Amount 0.00
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 6
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
8. Overpayment From Obligors 0.00
9. Total Credits 11,957,356.74
B. Debits
1. Overpayments From Obligors 0.00
2. Advance Recovery Amount Before Cutoff Data to Seller
a. Principal 0.00
b. Interest. 0.00
c. Total 0.00
3. Reversal of Defaulted Contracts 0.00
4. Total Debits 0.00
C. Total Available Amount (Lines A-B) 11,957,356.74
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 7
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
Liquidation Proceeds on Defaulted Receivables for the Collection Period
A. Principal 122,532.44
B. Interest 10,037.38
C. Total 132,569.82
III. Disbursements from Collection Account
A. Avalaible Distribution Amount
1. Available Distribution Amount 11,957,356.74
2. Reserve Account Transfer Amount 0.00
3. Total Distribution Amount 11,957,356.74
B. Monthly Servicing Fee 110,883.29
C. Monthly Administration Fee 1,000.00
D. Noteholders Interest Distributable Amount 529,291.59
E. Certificateholders Interest Distributable Amount 194,810.19
F. Noteholders Principal Distributable Amount 11,005,909.73
G. Certificateholders Principal Distributable Amount 0.00
H. Deposit to Reserve Account 115,461.94
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 8
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
IV. Monthly Disbursements
A. Pool Servicing Fee
a. Monthly Servicing Fee 110,883.29
b. Unpaid Monthly Servicing Fee 0.00
c. Total 110,883.29
B. Administrative Fee
a. Monthly Administration Fee 1,000.00
b. Unpaid Monthly Administration Fee 0.00
c. Total 1,000.00
C. Noteholders' Interest Distributable Amount
Class A-1 Monthly Interest 0.00
Class A-1 Carryover Shortfall 0.00
Class A-1 Total 0.00
Class A-2 Monthly Interest 0.00
Class A-2 Carryover Shortfall 0.00
Class A-2 Total 0.00
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 9
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
Class A-3 Monthly Interest 0.00
Class A-3 Carryover Shortfall 0.00
Class A-3 Total 0.00
Class A-4 Monthly Interest 66,166.59
Class A-4 Carryover Shortfall 0.00
Class A-4 Total 66,166.59
Class A-5 Monthly Interest 463,125.00
Class A-5 Carryover Shortfall 0.00
Class A-5 Total 463,125.00
Total for Notes Monthly Interest 529,291.59
Total for Notes Carryover Shortfall 0.00
Total for Notes Total 529,291.59
D. Certificateholders' Interest Distributable Amount
Class B-1 Monthly Interest 194,810.19
Class B-1 Carryover Shortfall 0.00
Class B-1 Total 194,810.19
Total for Certificates Monthly Interest 194,810.19
Total for Certificates Carryover Shortfall 0.00
Total for Certificates Total 194,810.19
E. Noteholders' Principal Distributable Amount
Class A-1 Monthly Principal 0.00
Class A-1 Carryover Shortfall 0.00
Class A-1 Total 0.00
Class A-2 Monthly Principal 0.00
Class A-2 Carryover Shortfall 0.00
Class A-2 Total 0.00
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 10
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
Class A-3 Monthly Principal 0.00
Class A-3 Carryover Shortfall 0.00
Class A-3 Total 0.00
Class A-4 Monthly Principal 11,005,909.73
Class A-4 Carryover Shortfall 0.00
Class A-4 Total 11,005,909.73
Class A-5 Monthly Principal 0.00
Class A-5 Carryover Shortfall 0.00
Class A-5 Total 0.00
Total for Notes Monthly Principal 11,005,909.73
Total for Notes Carryover Shortfall 0.00
Total for Notes Total 11,005,909.73
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 11
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
F. Certificateholders' Principal Distributable Amout
Class B-1 Monthly Principal 0.00
Class B-1 Carryover Shortfall 0.00
Class B-1 Total 0.00
Total for Certificates Monthly Principal 0.00
Total for Certificates Carryover Shortfall 0.00
Total for Certificates Total 0.00
Total Disbursements 11,841,894.80
V. Payment Deficiency Amount
A. Scheduled Monthly Disbursements 11,841,894.80
B. Available Distribution Amount 11,957,356.74
C. Payment Deficiency Amount 0.00
VI. Reserve Account Transfer Amount
A. Available Reserve Amount 8,779,902.89
B. Payment Deficiency Amount 0.00
C. Withdrawal for Write-Off 0.00
D. Reserve Account Withdrawal (MIN: Lines A and (B+C)) 0.00
VII. Pool Balance Reduction Allocation for Collection Period
A. Beginning Pool Balance 133,059,953.31
B. Pool Balance Reduction
1. Avalaible Principal
a. Principal Payments 10,769,152.76
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 12
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
b. From Repurchased Receivables 114,224.53
c. Total 10,883,377.29
2. From Defaulted Receivables 122,532.44
3. Total Pool Balance Reduction 11,005,909.73
C. Ending Pool Balance 122,054,043.58
2. Monthly Principal Allocation
a. Notes 11,005,909.73
b. Certificates 0.00
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 13
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
VIII. Delinquency and Defaults
Group 1
Principal Delinquency Principal
Period Number Amount Balance
30-59 days 785 570,077.45 4,180,315.62
60-89 days 131 135,686.45 680,971.63
90-119 days 68 81,927.14 263,868.83
120-149 days 26 40,664.58 112,913.16
150-179 days 21 36,796.09 86,062.80
180-209 days 6 8,932.26 27,054.80
210-239 days 7 7,036.54 7,723.74
240+ days Delinquent 0 0.00 0.00
Total 1,044 881,120.51 5,358,910.58
B. Principal amount of loans in defaulted receivables 122,532.44
C. Delinquency Percentage
1. Outstanding principal balance for deliquency >= 60 days 1,178,594.96
2. Pool Principal Ending Balance 122,054,043.58
3. Delinquency Percentage 0.96563369%
IX. Pool Delinquency Percentages
A. Delinquency Percentage for 2nd previous period 0.88708407%
B. Delinquency Percentage for previous period 0.98226051%
C. Delinquency Percentage for current period 0.96563369%
D. Average Deliquency Percentage 0.94499275%
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 14
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
X. Portfolio Loss Ratios
A. Net Loss Ratio for 2nd previous period 0.82705667%
B. Net Loss Ratio for previous period 0.68650179%
1. Principal Balance of Defaulted Receivables 122,532.44
2. Principal Recoveries on Defaulted Receivables 55,916.42
3. Average Pool Balance for Collection Period 127,556,998.44
4. Net Loss Ratio for Current Period(12*(1-2)/3) 0.62669414%
D. Average Net Loss Ratio ((A+B+C) / 3) 0.71341753%
XI. Specified Reserve Account Balance
A. Calculation for Reserve Account Floor Amount
1. Guaranteed Floor Amount 8,779,902.89
2. Possible Floor Amount
a. Principal Balance at the Beginning of Next Collection Period 122,054,043.58
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 15
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
b. Cumulative Monthly Interest through Final Distribution Data
Class A-1 Balance
Class A-1 Interest Rate
Class A-1 Service Rate
Class A-1 Term
Class A-1 Interest
Class A-1 Service Fee
Class A-1 Total
Class A-2 Balance
Class A-2 Interest Rate
Class A-2 Service Rate
Class A-2 Term
Class A-2 Interest
Class A-2 Service Fee
Class A-2 Total
Class A-3 Balance
Class A-3 Interest Rate
Class A-3 Service Rate
Class A-3 Term
Class A-3 Interest
Class A-3 Service Fee
Class A-3 Total
Class A-4 Balance
Class A-4 Interest Rate
Class A-4 Service Rate
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 16
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
Class A-4 Term
Class A-4 Interest
Class A-4 Service Fee
Class A-4 Total
Class A-5 Balance
Class A-5 Interest Rate
Class A-5 Service Rate
Class A-5 Term
Class A-5 Interest
Class A-5 Service Fee
Class A-5 Total
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 17
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
MONTHLY SERVICER REPORT
Class B-1 Balance
Class B-1 Interest Rate
Class B-1 Service Rate
Class B-1 Term
Class B-1 Interest
Class B-1 Service Fee
Class B-1 Total
c. Possible Floor Amount equals Pool Balance + Interest + Service Fee 138,223,800.29
(Lines a+b)
3. Reserve Account Floor (Minimum Lines 1 and 2) 8,779,902.89
B. Possible Reserve Account Amount
1. Reserve Account Trigger Percentages
a. Average Delinquency Percentage 0.94499275%
b. Average Delinquency Percentage Trigger 1.25000000%
c. Average Loss Ratio 0.71341753%
d. Average Loss Ratio Trigger 1.25000000%
e. Maximum Reserve Account Percentage Specified 6.00000000%
f. Minimum Reserve Account Percentage specified 3.00000000%
g. Reserve Account Percentage Applied 3.00000000%
2. Pool Principal Balance 122,054,043.58
3. Possible Reserve Account Amount 3,661,621.31
C. Specified Reserve Account Balance (Max: Lines A and B) 8,779,902.89
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION
Page 18
Chase Manhattan Auto Owner Trust 1997-A
October 16 2000
XII. Reserve Account
A. Reserve Account Balance After Disbursement from Previous Period
1. Reserve Account Balance After Disbursement from Previous Period 8,779,902.89
2. Reserve Account Transfer Amount 0.00
3. Investment Earnings 46,534.66
4. Deposit to Reserve Account After Disbursement 115,461.94
5. Amount After Deposit 8,941,899.49
B. Specified Reserve Account Balance 8,779,902.89
C. Available Reserve Account Amount (Min: Lines A and B) 8,779,902.89
1. Excess in Reserve Acct: Max(LinesA.5 - B and 0) 161,996.60
D. Excess Amount to Seller 161,996.60
XIII. Weighted Average Coupon as of Current Period
XIV. Weighted Average Maturity as of Current Period
(C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION