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Previous: AETNA INC, DEF 14A, 1997-03-21 |
Next: BOYKIN LODGING CO, 8-K, 1997-03-21 |
<PAGE> 1
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
March 17, 1997
Banc One Auto Grantor Trust 1996 - B
(Issuer with respect to the Certificates)
Banc One ABS Corporation
(Exact name of registrant as specified in its charter)
Ohio
(State or other jurisdiction of organization)
333-3457 31-1467431
(Commission File Number) (IRS Employer Identification Number)
c/o Bank One, Arizona, N.A., as Servicer, 201 North Central Avenue,
Attn: Tom Lewis, Phoenix, Arizona 85004
(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code:
(602) 221-3704
<PAGE> 2
ITEM 5. OTHER EVENTS
On March 17, 1997, the Banc One Auto Grantor Trust 1996-B (the
"Trust") made a regular monthly distribution of principal
and/or interest to holders of the Trust's Class A 6.55% Asset
Backed Certificates and Class B 6.70% Asset Backed
Certificates. Exhibit 99.1 of this Form 8-K, the Monthly
Statement and certain additional information, was distributed
to the Certificateholders of record.
This report on Form 8-K is being filed in accordance with a
no-action letter dated August 16, 1995 issued by the staff of
the Division of Corporation Finance of the Securities and
Exchange Commission to Bank One,Texas, N.A., as originator and
servicer of Bank One Auto Trust 1995-A. Consistent with such
no-action letter, the Trust is hereby filing the Monthly
Statement and certain additional information reflecting the
Trust's activities for the Interest Period from February 18,
1997 through March 14, 1997 and for the Collection Period from
February 1, 1997 through February 28, 1997.
ITEM 7. EXHIBITS
See page 4 for Exhibit Index
<PAGE> 3
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BANC ONE AUTO GRANTOR TRUST 1996-B
By: Bank One, Arizona, N.A., as Servicer on
behalf of the Trust
Date: March 13, 1997 By: / s/ Tom Lewis
------------------- --------------------------------------
Name: Tom Lewis
Title: Vice President
<PAGE> 4
EXHIBIT INDEX
Exhibit Description Page
- ------- ----------- ----
99.1 Monthly Statements and Additional Information........... 5-13
<PAGE> 1
SERVICER'S CERTIFICATE
(PURSUANT TO SECTION 3.9
OF THE POOLING AND SERVICING
AGREEMENT, DATED JUNE 1, 1996)
BANC ONE AUTO TRUST 1996-B
Interest Period February 18, 1997 through March 14, 1997
Collection Period February 1, 1997 through February 28, 1997
The undersigned officer of Bank One, Arizona, N.A., pursuant to the Pooling and
Servicing Agreement, as Servicer, does hereby certify to the best of his
knowledge and belief that the attached information is true and correct.
Signed by: Tom Lewis Attested: Heather Smith
Tom Lewis Accounting Specialist
Vice President Bank One, Arizona,
N.A.
Bank One, Arizona, N.A.
<PAGE> 2
PAGE 1
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
A. ORIGINAL DEAL PARAMETER INPUTS
- ---------------------------------
<S> <C>
(A) Total Receivable Balance $305,686,731.00
(B) Total Certificate Balance $305,686,731.00
(C) Class A Certificates
(i) Class A Percentage 96.00%
(ii) Original Class A Principal Balance $293,459,000.00
(iii) Class A Pass-Through Rate 6.55%
(D) Class B Certificates
(i) Class B Percentage 4.00%
(ii) Original Class B Principal Balance $ 12,227,731.00
(iii) Class B Pass-Through Rate 6.70%
(E) Servicing Fee Rate (per annum) 1.00%
(F) Weighted Average Coupon (WAC) 12.15%
(G) Weighted Average Original Maturity (WAOM) 60.12 months
(H) Weighted Average Remaining Maturity (WAM) 45.97 months
(I) Number of Receivables 31,595
(J) Reserve Fund
(i) Reserve Fund Initial Deposit Percentage (of initial Certificate Balance) 1.50%
(ii) Reserve Fund Initial Deposit $ 4,585,300.97
(iii) Specified Reserve Balance:
(a) On any Distribution Date: The greater of J(iii)(b or c) if 1.75% charge-off
and delinquency triggers not hit - otherwise J(iii)(d)
(b) Percent of Initial Certificate Balance 1.00%
(c) Percent of Remaining Certificate Balance 3.25%
(d) Trigger Percent of Remaining Certificate Balance 8.00%
</TABLE>
<PAGE> 3
PAGE 2
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
B. INPUTS FROM PREVIOUS MONTHLY SERVICER REPORTS
- ------------------------------------------------
<S> <C>
(A) Total Receivable Balance $205,865,221.70
(B) Total Certificate Balance $205,865,221.70
(C) Total Certificate Pool Factor 0.6734516
(D) Class A Certificates
(i) Class A Certificate Balance $197,630,436.61
(ii) Class A Certificate Pool Factor 0.6734516
(E) Class B Certificates
(i) Class B Certificate Balance $ 8,234,785.09
(ii) Class B Certificate Pool Factor 0.6734516
(F) Reserve Fund Balance 6,690,619.71
(G) Cumulative Net Losses for All Prior Periods 3,154,511.41
(H) Charge-off Rate for Second Preceding Period 1.37%
(I) Charge-off Rate for Preceding Period 0.87%
(J) Delinquency Percentage for Second Preceding Period 0.43%
(K) Delinquency Percentage for Preceding Period 0.50%
(L) Weighted Average Coupon (WAC) 11.530%
(M) Weighted Average Remaining Maturity (WAM) 38.37 months
(N) Number of Receivables 25,081
C. INPUTS FROM THE MAINFRAME
- ----------------------------
<S> <C>
(A) Simple Interest Receivables Principal
(i) Principal Collections 9,275,136.88
(ii) Prepayments in Full 0.00
(iii) Repurchased Loan Proceeds Related to Principal 0.00
(iv) Other Refunds Related to Principal 0.00
(B) Simple Interest Receivables Interest
(i) Interest Collections 1,975,814.26
(ii) Repurchased Loan Proceeds Related to Interest 0.00
(C) Weighted Average Coupon (WAC) 11.55%
(D) Weighted Average Remaining Maturity (WAM) 37.80 months
(E) Remaining Number of Receivables 24,371
</TABLE>
<TABLE>
<CAPTION>
(F) Delinquent Receivables Dollar Amount # Units
-------------- --------
<S> <C> <C> <C>
(i) 30-59 Days Delinquent 2,953,499 1.43% 345
(ii) 60-89 Days Delinquent 631,817 0.31% 67
(iii) 90 Days or More Delinquent 282,912 0.14% 25
</TABLE>
<TABLE>
<CAPTION>
D. INPUTS DERIVED FROM OTHER SOURCES
- ------------------------------------
<S> <C>
(A) Reserve Fund Investment Income 23,499.00
(B) Collection Account Investment Income 0.00
(C) Realized Losses for Collection Period:
(i) Charge-offs for current Collection Period - Principal 406,852.28
(ii) Realized Losses for Collection Period (B)(i)-(C)(i) 277,686.09
(D) Net Loss and Liquidated Receivables Information
(i) Liquidation Proceeds Related to Principal 129,166.19
(ii) Liquidation Proceeds Related to Interest 0.00
(iii) Recoveries from Prior Month Charge Offs 126,872.74
</TABLE>
<PAGE> 4
PAGE 3
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
E. COLLECTIONS
- --------------
Interest Collections:
<S> <C>
(A) Interest Payments Received 1,975,814.26
(B) Liquidation Proceeds Related to Interest 0.00
(C) Repurchased Loan Proceeds 0.00
(D) Recoveries from Prior Month Charge Offs 126,872.74
----------------------
(E) Interest Collections 2,102,687.00
Principal Collections:
(F) Principal Payments Received $ 9,275,136.88
(G) Liquidation Proceeds Related to Principal 129,166.19
(H) Repurchased Loan Proceeds 0.00
----------------------
(I) Principal Collections 9,404,303.07
(J) Total Collections $11,506,990.07
F. DISTRIBUTABLE AMOUNTS
- ------------------------
(A) Servicing Fee :
(i) Servicing Fee $ 171,554.35
(ii) Prior Collection Period unpaid Servicing Fees 0.00
----------------------
(iii) Total Servicing Fee $ 171,554.35
Interest:
(B) Class A Certificates
(i) Class A Monthly Interest $ 1,078,732.80
(ii) Class A prior period Interest Carryover Shortfall 0.00
----------------------
(iii) Class A Interest Distribution $ 1,078,732.80
(C) Class B Certificates
(i) Class B Monthly Interest $ 45,977.55
(ii) Class B prior period Interest Carryover Shortfall 0.00
----------------------
(iii) Class B Interest Distribution $ 45,977.55
(D) Total Certificate Interest Distribution $ 1,124,710.35
(E) Total Certificate Interest Distribution plus Total Servicing Fee $ 1,296,264.70
F. DISTRIBUTABLE AMOUNTS
- ------------------------
Principal:
(F) Principal Collections $ 9,404,303.07
(G) Realized Losses 277,686.09
----------------------
(H) Total Monthly Principal $ 9,681,989.16
(I) Class A Certificates
(i) Class A Monthly Principal 9,294,701.30
(ii) Class A prior period Principal Carryover Shortfall 0.00
----------------------
(iii) Class A Principal Distribution 9,294,701.30
(J) Class B Certificates
(i) Class B Monthly Principal 387,287.86
(ii) Class B prior period Principal Carryover Shortfall 0.00
----------------------
(iii) Class B Principal Distribution 387,287.86
(K) Total Principal Distribution 9,681,989.16
(L) Total Interest and Principal Distribution Amounts 10,978,253.86
plus Servicing Fee
</TABLE>
<PAGE> 5
PAGE 4
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
G. DISTRIBUTIONS
- ----------------
<S> <C>
(A) Total Interest Collections available to be distributed 2,102,687.00
(B) Class B Percentage of Principal Collections 376,180.18
(C) Servicing Fee :
(i) Total Servicing Fee 171,554.35
(ii) Servicing Fee paid 171,554.35
----------------------
(iii) Unpaid Servicing Fee 0.00
(D) Total Interest Collections available to be distributed after Servicing Fee paid 1,931,132.65
Interest:
(E) Class A Certificates
(i) Class A Interest Distribution 1,078,732.80
(ii) Class A Interest Distribution paid from Interest Collections after Servicing Fee 1,078,732.80
(iii) Total Interest Collections available after Class A Interest Distribution paid 852,399.85
(iv) Class A Interest Distribution remaining to be paid 0.00
(v) Class A Interest Distribution paid from Class B Percentage of Principal Collections 0.00
(vi) Class A Interest Distribution remaining to be paid 0.00
(vii) Class A Interest Distribution paid from Reserve Fund 0.00
(viii) Class A Interest Carryover Shortfall 0.00
(ix) Class A Interest Distribution paid 1,078,732.80
(F) Class B Certificates
(i) Class B Interest Distribution 45,977.55
(ii) Class B Interest Distribution paid from Interest Collections after Class
A Interest Distribution 45,977.55
(iii) Total Interest Collections available after Class B Interest Distribution paid 806,422.30
(iv) Class B Interest Distribution remaining to be paid 0.00
(v) Class B Interest Distribution paid from Reserve Fund 0.00
(vi) Class B Interest Carryover Shortfall 0.00
(vii) Class B Interest Distribution paid 45,977.55
(G) Total Interest Paid 1,124,710.35
(H) Total Interest and Servicing Fee Paid 1,296,264.70
(I) Total Interest Collections available after Servicing Fee and Class A and
Class B Interest Distribution paid 806,422.30
Total Collections available to be distributed:
(J) Total Principal Collections 9,404,303.07
(K) Excess Interest 806,422.30
(L) Less: Class B Percentage of Principal Collections used to pay Class A Interest Distribution 0.00
(M) Total Collections available to be distributed as principal 10,210,725.37
Principal:
(N) Class A Certificates
(i) Class A Principal Distribution 9,294,701.30
(ii) Class A Principal Distribution paid from total Collections available to be distributed 9,294,701.30
(iii) Total Collections available after Class A Principal Distribution paid 916,024.07
(iv) Class A Principal Distribution remaining to be paid 0.00
(v) Class A Principal Distribution paid from Reserve Fund 0.00
(vi) Class A Principal Carryover Shortfall 0.00
(vii) Total Class A Principal Distribution paid 9,294,701.30
(O) Class B Certificates
(i) Class B Principal Distribution 387,287.86
(ii) Class B Principal Distribution paid from total Collections available to be distributed 387,287.86
(iii) Total Collections available after Class B Principal Distribution paid 528,736.21
(iv) Class B Principal Distribution remaining to be paid 0.00
(v) Class B Principal Distribution paid from Reserve Fund 0.00
(vi) Class B Principal Carryover Shortfall 0.00
(vii) Total Class B Principal Distribution paid 387,287.86
(P) Total Excess Cash to the Reserve Fund 528,736.21
</TABLE>
<PAGE> 6
PAGE 5
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
H. POOL BALANCE AND PORTFOLIO INFORMATION
- -----------------------------------------
Beginning End
of Period of Period
------------------------ --------------------------
<S> <C> <C>
(A) Balances and Pool Factors
(i) Aggregate Balance of Certificates $205,865,221.70 $196,183,232.54
(ii) Aggregate Certificate Pool Factor 0.6734516 0.6417787
(iii) Class A Principal Balance 197,630,436.61 188,335,735.31
(iv) Class A Pool Factor 0.6734516 0.6417787
(v) Class B Principal Balance 8,234,785.09 7,847,497.23
(vi) Class B Pool Factor 0.6734516 0.6417787
(B) Pool Information
(i) Weighted Average Coupon (WAC) 11.53% 11.55%
(ii) Weighted Average Remaining Maturity (WAM) 38.37 months 37.80 months
(iii) Remaining Number of Receivables 25,081 24,371
(iv) Pool Balance $205,865,221.70 $196,183,232.54
</TABLE>
<TABLE>
<CAPTION>
I. RECONCILIATION OF RESERVE ACCOUNT
- ------------------------------------
<S> <C>
(A) Beginning Reserve Account Balance 6,690,619.71
(B) Less: Draw to pay Class A Interest Distribution 0.00
(C) Reserve Account Balance after draw 6,690,619.71
(D) Less: Draw to pay Class B Interest Distribution 0.00
(E) Reserve Account Balance after draw 6,690,619.71
(F) Less: Draw to pay Class A Principal Distribution 0.00
(G) Reserve Account Balance after draw 6,690,619.71
(H) Less: Draw to pay Class B Principal Distribution 0.00
(I) Reserve Account Balance after draw 6,690,619.71
(J) Total excess Collections deposited in the Reserve Fund 528,736.21
--------------------
(K) Reserve Fund Balance 7,219,355.92
(L) Specified Reserve Account Balance 6,375,955.06
(M) Reserve Account Release to Seller 843,400.86
--------------------
(N) Ending Reserve Account Balance 6,375,955.06
====================
</TABLE>
<TABLE>
<CAPTION>
J. NET LOSS AND DELINQUENCY ACCOUNT ACTIVITY
- --------------------------------------------
<S> <C>
(A) Liquidated Contracts
(i) Liquidation Proceeds Related to Principal $ 129,166.19
(ii) Liquidation Proceeds Related to Interest 0.00
(iii) Recoveries on Previously Liquidated Contracts 126,872.74
(B) Realized Losses for Collection Period 277,686.09
(C) Charge-off Rate for Collection Period (annualized) 0.90%
(D) Cumulative Aggregate Net Losses for all Periods 3,603,414.54
(i) Adjustment for Charge Offs 171,217.04
(E) Delinquent Receivables
</TABLE>
<TABLE>
<CAPTION>
Dollar Amount # Units
------------- - -----
<S> <C> <C> <C>
(i) 30-59 Days Delinquent 2,953,499 1.43% 345
(ii) 60-89 Days Delinquent 631,817 0.31% 67
(iii) 90 Days or More Delinquent 282,912 0.14% 25
</TABLE>
<PAGE> 7
PAGE 6
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
K. TESTS FOR INCREASE IN SPECIFIED RESERVE ACCOUNT BALANCE
- ----------------------------------------------------------
<S> <C>
(A) Charge-off Rate
(i) Second Preceding Collection Period 1.37%
(ii) Preceding Collection Period 0.87%
(iii) Current Collection Period 0.90%
(iv) Three Month Average (Avg(i,ii,iii)) 1.05%
(B) Delinquency Percentages
(i) Second Preceding Collection Period 0.43%
(ii) Preceding Collection Period 0.50%
(iii) Current Collection Period 0.45%
(iv) Three Month Average (Avg(i,ii,iii)) 0.46%
(C) Loss and Delinquency Trigger Indicator Trigger was not hit
</TABLE>
<PAGE> 8
PAGE 7
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
L. STATEMENT TO CERTIFICATEHOLDERS
- -----------------------------------
Per $1,000 of
Original Principal
Dollars ($) Balance
(A) Amount of distribution allocable to principal: -------------------------- --------------------
<S> <C> <C>
(i) Class A Certificates 9,294,701.30 31.6729128
(ii) Class B Certificates 387,287.86 31.6729128
Per $1,000 of
Original Principal
(B) Amount of distribution allocable to interest: Dollars ($) Balance
-------------------------- --------------------
(i) Class A Certificates 1,078,732.80 3.6759234
(ii) Class B Certificates 45,977.55 3.7601048
(C) Pool Balance as of the close of business on the last
day of the Collection Period $196,183,232.54
--------------------------
Per $1,000 of
(D) Amount of the Servicing Fee paid to the Servicer with Original Principal
respect to the related Collection Period Dollars ($) Balance
-------------------------- ---------------------
(i) Total Servicing Fee 171,554.35
(ii) Class A Percentage of the Servicing Fee 164,692.03 0.5612097
(ii) Class B Percentage of the Servicing Fee 6,862.32 0.5612097
Per $1,000 of
Original Principal
Dollars ($) Balance
-------------------------- ---------------------
(E) (i) Class A Interest Carryover Shortfall 0.00 0.0000000
(ii) Class A Principal Carryover Shortfall 0.00 0.0000000
(iii) Class B Interest Carryover Shortfall 0.00 0.0000000
(iv) Class B Principal Carryover Shortfall 0.00 0.0000000
Change with respect to immediately preceding Distribution Date:
(v) Class A Interest Carryover Shortfall 0.00 0.0000000
(vi) Class A Principal Carryover Shortfall 0.00 0.0000000
(vii) Class B Interest Carryover Shortfall 0.00 0.0000000
(viii) Class B Principal Carryover Shortfall 0.00 0.0000000
(F) Pool factors for each class of certificates, after giving effect
to all payments allocated to principal Pool Factor
----------------------
(i) Class A Pool Factor 0.6417787
(ii) Class B Pool Factor 0.6417787
(G) Amount of the aggregate Realized Losses, if any, for such
Collection Period ($) $ 277,686.09
-----------------------
(H) Aggregate principal balance of all Receivables which were more than 60 days
delinquent as of the close of business on the last day of the
preceding Collection Period $ 914,728.76
(I) Amount on deposit in the Reserve Fund on such Distribution Date, after
giving effect to distributions made on such Distribution Date $6,375,955.06
-----------------------
(J) Aggregate outstanding principal balances for each class of certificates,
after giving effect to all payments allocated to principal Principal Balance
----------------------
(i) Class A Principal Balance 188,335,735.31
(ii) Class B Principal Balance 7,847,497.23
(K) Amount otherwise distributable to the Class B Certificateholders
that is being distributed to the Class A Certificateholders
on such Distribution Date $ 0.00
(L) Aggregate Purchase Amount of Receivables repurchased by the Seller
or purchased by the Servicer with respect to the Related Collection
Period ($) $ 0.00
-----------------------
</TABLE>
<PAGE> 9
PAGE 8
BANC ONE AUTO GRANTOR
TRUST 1996-B
DETERMINATION DATE STATEMENT
COLLECTION PERIOD FEBRUARY 1, 1997 THROUGH FEBRUARY 28, 1997
DISTRIBUTION DATE MARCH 17, 1997
<TABLE>
<CAPTION>
M. INSTRUCTIONS TO THE TRUSTEE
- ------------------------------
On the Distribution Date, make the following deposits and distributions:
<S> <C> <C> <C>
(A) Withdraw from the Collection Account and distribute to the Servicer:
(i) Servicing Fee $ 171,554.35
(ii) Servicing Fees retained by the Seller 171,554.35
--------------------
(iii) Servicing Fees to be distributed to the Seller on the
Distribution Date (i-ii) $ 0.00
-----------------------
(B) Withdraw from the Collection Account and deposit in the
Class A Distribution Account:
(i) for the Class A Interest Distribution $1,078,732.80
(ii) for the Class A Principal Distribution 9,294,701.30
-------------------
(iii) Total (i+ii) $10,373,434.10
-----------------------
(C) Withdraw from the Collection Account and deposit in
the Class B Distribution Account:
(i) for the Class B Interest Distribution $ 45,977.55
(ii) for the Class B Principal Distribution 387,287.86
-------------------
(iii) Total (i+ii) $ 433,265.41
-----------------------
(D) Withdraw excess Collections from the Collection Account and
deposit in the Reserve Fund $ 528,736.21
----------------------
(E) Withdraw from the Reserve Fund and deposit in the Class A Distribution
Account:
(i) Amount equal to the excess of the Class A Interest Distribution
over the sum of Interest Collections and the Class B
Percentage of Principal Collections $ 0.00
(ii) Amount equal to the excess of the Class A Principal Distribution
over the portion of Principal Collections and Interest Collections
remaining after the distribution of the Class A Interest
Distribution and the Class
B Interest Distribution 0.00
---------------------
(iii) Total $0.00
--------
(F) Withdraw from the Reserve Fund and deposit in the Class B Distribution
Account:
(i) Amount equal to the excess of the Class B Interest Distribution
over the portion of Interest Collections remaining after the
distribution of the Class A Interest Distribution $ 0.00
(ii) Amount equal to the excess of the Class B Principal Distribution
over the portion of Principal Collections and Interest Collections
remaining after the distribution of the Class A Interest
Distribution, the Class B Interest Distribution, and the
Class A Principal Distribution 0.00
---------------------
(iii) Total $0.00
-----------
</TABLE>
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