EX-99.1 2 d232796dex991.htm STATISTICAL INFORMATION FOR THE RECEIVABLES AS OF THE CUTOFF DATE Statistical information for the receivables as of the Cutoff Date

Exhibit 99.1

Composition of the Automobile Loan Contracts as of the Cutoff Date

AMCAR 2011-4 Final Cut

9/13/2011    *

 

     New     Used     Total  

Aggregate Principal Balance (1)

    $ 443,230,655.28      $ 511,684,327.59      $ 954,914,982.87   

Number of Receivables in Pool

      18,816        30,489        49,305   

Percent of Pool by Principal Balance

      46.42 %      53.58 %      100.00 % 

Average Principal Balance

    $ 23,556.05      $ 16,782.59      $ 19,367.51   

Range of Principal Balances

    ($ 327.22 to $79,655.06 )    ($ 279.03 to $59,479.40 )   

Weighted Average APR (1)

      12.06 %      16.46 %      14.41 % 

Range of APRs

      (1.70% to 26.99% )      (3.25% to 29.90% )   

Weighted Average Remaining Term

      68        64        66   

Range of Remaining Terms

      (3 to 72 months )      (3 to 72 months )   

Weighted Average Original Term

      72        69        70   

Range of Original Terms

      (24 to 72 months )      (24 to 72 months )   

 

(1) Aggregate Principal Balance includes some portion of accrued interest. As a result, the Weighted Average APR of the Receivables may not be equivalent to the Contracts’ aggregate yield on the Aggregate Principal Balance.

Distribution of the Automobile Loan Contracts by Score as of the Cutoff Date

 

     AmeriCredit Score (1)      Percent of Aggregate
Principal Balance (2)		     Credit Bureau Score (3)      Percent of Aggregate
Principal Balance (2)		  
     <215         8.54 %      
     215-224         12.50 %      <540         26.55 % 
     225-244         34.17 %      540-599         44.61 % 
     245-259         24.69 %      600-659         24.56 % 
     260+         20.10 %      660+         4.28 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Weighted Average Score

      242        573   
  

 

 

    

 

 

  

 

(1) Proprietary credit score developed and utilized by AmeriCredit to support the credit approval and pricing process. The scale of the proprietary score is not comparable to a credit bureau score. An AmeriCredit score may not be available for a small portion of loans originated under discontinued origination platforms and those accounts will not be included in the AmeriCredit score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on the AmeriCredit score may be less than the total pool.
(2) Percentages may not add to 100% because of rounding.
(3) A statistically based score (sometimes referred to as FICO score) generated by credit reporting agencies. AmeriCredit utilizes TransUnion, Equifax or Experien credit reports depending on the location of the obligor. Credit Bureau Scores may not be available for some accounts and those accounts are not included in the Credit Bureau Score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on Credit Bureau Score may be less than the total pool.

Distribution of the Automobile Loan Contracts by APR as of the Cutoff Date

AMCAR 2011-4 Final Cut

9/13/2011    *

 

APR Range

    Aggregate Principal
Balance as of Cutoff
Date (1)		      Percent of Aggregate
Principal Balance (2)		     Number of
Receivables		      Percent of Number of
Receivables (2)		  

    1.000%-1.999%

      515,164.06         0.05 %      17         0.03 % 

    2.000%-2.999%

      2,043,527.04         0.21 %      64         0.13 % 

    3.000%-3.999%

      5,245,525.67         0.55 %      166         0.34 % 

    4.000%-4.999%

      12,556,815.31         1.31 %      403         0.82 % 

    5.000%-5.999%

      7,047,025.72         0.74 %      238         0.48 % 

    6.000%-6.999%

      28,359,300.71         2.97 %      1,182         2.40 % 

    7.000%-7.999%

      20,321,269.28         2.13 %      880         1.78 % 

    8.000%-8.999%

      45,516,007.10         4.77 %      2,156         4.37 % 

    9.000%-9.999%

      50,456,743.70         5.28 %      2,489         5.05 % 

10.000%-10.999%

      52,769,216.01         5.53 %      2,701         5.48 % 

11.000%-11.999%

      85,892,027.17         8.99 %      3,954         8.02 % 

12.000%-12.999%

      63,145,545.99         6.61 %      3,352         6.80 % 

13.000%-13.999%

      72,041,537.45         7.54 %      3,764         7.63 % 

14.000%-14.999%

      82,368,629.02         8.63 %      4,289         8.70 % 

15.000%-15.999%

      69,401,787.41         7.27 %      3,667         7.44 % 

16.000%-16.999%

      75,883,609.59         7.95 %      3,936         7.98 % 

17.000%-17.999%

      62,198,352.01         6.51 %      3,368         6.83 % 

18.000%-18.999%

      79,547,132.81         8.33 %      4,293         8.71 % 

19.000%-19.999%

      34,178,159.98         3.58 %      1,982         4.02 % 

20.000%-20.999%

      37,998,816.99         3.98 %      2,196         4.45 % 

21.000%-21.999%

      27,545,529.73         2.88 %      1,677         3.40 % 

22.000%-22.999%

      15,357,716.95         1.61 %      947         1.92 % 

23.000%-23.999%

      12,648,689.76         1.32 %      804         1.63 % 

24.000%-24.999%

      8,438,914.33         0.88 %      553         1.12 % 

25.000%-25.999%

      2,305,526.16         0.24 %      153         0.31 % 

26.000%-26.999%

      969,055.70         0.10 %      62         0.13 % 

27.000%-27.999%

      82,177.29         0.01 %      6         0.01 % 

28.000%-28.999%

      50,069.26         0.01 %      4         0.01 % 

29.000%-29.999%

      31,110.67         0.00 %      2         0.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

      954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest. Indicated APR’s represent APR’s on Principal Balance net of such accrued interest.
(2) Percentages may not add to 100% because of rounding.

 

* Receivable information is through close of business on date indicated.

Distribution of the Automobile Loan Contracts by Geographic Location of Obligors of the Cutoff Date

AMCAR 2011-4 Final Cut

9/13/2011    *

 

State

    Aggregate Principal
Balance as of Cutoff
Date (1)		      Percent of Aggregate
Principal Balance (2)		     Number of
Receivables		      Percent of Number of
Receivables (2)		  

Alabama

      12,229,271.37         1.28 %      591         1.20 % 

Alaska

      1,316,809.01         0.14 %      65         0.13 % 

Arizona

      25,704,513.44         2.69 %      1,407         2.85 % 

Arkansas

      10,861,968.87         1.14 %      511         1.04 % 

California

      79,810,908.40         8.36 %      4,926         9.99 % 

Colorado

      17,182,628.11         1.80 %      925         1.88 % 

Connecticut

      6,015,193.94         0.63 %      309         0.63 % 

Delaware

      3,893,597.80         0.41 %      215         0.44 % 

District of Columbia

      1,337,548.12         0.14 %      68         0.14 % 

Florida

      92,536,957.65         9.69 %      5,045         10.23 % 

Georgia

      28,773,480.93         3.01 %      1,391         2.82 % 

Hawaii

      3,086,986.29         0.32 %      150         0.30 % 

Idaho

      2,121,374.18         0.22 %      111         0.23 % 

Illinois

      37,550,578.29         3.93 %      1,862         3.78 % 

Indiana

      21,587,881.23         2.26 %      1,099         2.23 % 

Iowa

      6,678,440.45         0.70 %      353         0.72 % 

Kansas

      4,400,920.44         0.46 %      238         0.48 % 

Kentucky

      12,210,434.95         1.28 %      613         1.24 % 

Louisiana

      18,034,076.66         1.89 %      792         1.61 % 

Maine

      2,938,300.77         0.31 %      168         0.34 % 

Maryland

      27,828,748.38         2.91 %      1,334         2.71 % 

Massachusetts

      11,931,413.72         1.25 %      651         1.32 % 

Michigan

      31,169,469.65         3.26 %      1,593         3.23 % 

Minnesota

      10,273,105.56         1.08 %      533         1.08 % 

Mississippi

      9,992,154.65         1.05 %      478         0.97 % 

Missouri

      15,588,525.26         1.63 %      855         1.73 % 

Montana

      1,898,975.87         0.20 %      92         0.19 % 

Nebraska

      3,295,370.97         0.35 %      168         0.34 % 

Nevada

      6,521,913.48         0.68 %      417         0.85 % 

New Hampshire

      3,813,700.08         0.40 %      192         0.39 % 

New Jersey

      23,370,999.07         2.45 %      1,193         2.42 % 

New Mexico

      11,866,521.16         1.24 %      545         1.11 % 

New York

      34,184,611.14         3.58 %      1,786         3.62 % 

North Carolina

      30,016,435.76         3.14 %      1,599         3.24 % 

North Dakota

      1,121,485.34         0.12 %      46         0.09 % 

Ohio

      37,904,734.33         3.97 %      2,030         4.12 % 

Oklahoma

      13,291,863.95         1.39 %      624         1.27 % 

Oregon

      4,971,411.39         0.52 %      272         0.55 % 

Pennsylvania

      47,358,622.29         4.96 %      2,535         5.14 % 

Rhode Island

      1,289,722.66         0.14 %      78         0.16 % 

South Carolina

      13,482,822.83         1.41 %      734         1.49 % 

South Dakota

      1,620,828.54         0.17 %      87         0.18 % 

Tennessee

      15,862,593.06         1.66 %      785         1.59 % 

Texas

      144,232,958.97         15.10 %      6,663         13.51 % 

Utah

      3,895,659.65         0.41 %      181         0.37 % 

Vermont

      1,623,840.36         0.17 %      78         0.16 % 

Virginia

      21,437,303.60         2.24 %      1,060         2.15 % 

Washington

      12,680,828.53         1.33 %      679         1.38 % 

West Virginia

      10,430,677.40         1.09 %      488         0.99 % 

Wisconsin

      11,059,055.66         1.16 %      584         1.18 % 

Wyoming

      2,617,149.60         0.27 %      105         0.21 % 

Other (3)

      9,609.06         0.00 %      1         0.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.
(3) States with aggregate principal balances less than $1,000,000.

 

* Receivable information is through close of business on date indicated.

Historical Delinquency Experience of the Automobile Loan Contract as of the Cutoff Date

 

Number of times

ever 31 to 60 days

delinquent

    Aggregate Principal
Balance(1)		      Percent of Aggregate
Principal Balance(2)		     Number of Automobile Loan
Contracts		      Percent of Number of
Automobile Loan
Contracts(2)		  

0

    $ 910,276,033.96         95.33 %      44,721         90.70 % 

1

      19,462,889.56         2.04 %      1,188         2.41 % 

2+

      25,176,059.35         2.64 %      3,396         6.89 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

(1)    Aggregate Principal Balances include some portion of accrued interest.

(2)    Percentages may not add to 100% because of rounding.

       

       

Number of times

ever 61 to 90 days

delinquent

                           

0

    $ 938,831,760.97         98.32 %      47,170         95.67 % 

1

      3,641,292.56         0.38 %      487         0.99 % 

2+

      12,441,929.34         1.30 %      1,648         3.34 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

(1)    Aggregate Principal Balances include some portion of accrued interest.

(2)    Percentages may not add to 100% because of rounding.

       

       

Number of times

ever greater than 91

days delinquent

                           

0

    $ 949,871,178.60         99.47 %      48,636         98.64 % 

1

      3,090,333.13         0.32 %      424         0.86 % 

2+

      1,953,471.14         0.20 %      245         0.50 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

(1)    Aggregate Principal Balances include some portion of accrued interest.

(2)    Percentages may not add to 100% because of rounding.

       

       

AMCAR 2011-4 Final Cut

Distribution of the Automobile Loan Contracts by Manufacturer as of the Cutoff Date

 

Vehicle Make    Aggregate Principal
Balance as of Cutoff
Date (1)		      Percent of
Aggregate
Principal
Balance (2)		     Number of
Receivables		      Percent of
Number of
Receivables (2)		  

Buick

      12,430,669.72         1.30 %      547         1.11 % 

Cadillac

      19,892,310.95         2.08 %      810         1.64 % 

Chevrolet

      348,257,841.25         36.47 %      15,760         31.96 % 

Chrysler

      28,767,700.97         3.01 %      1,824         3.70 % 

Dodge

      69,582,539.09         7.29 %      3,913         7.94 % 

Ford

      75,454,009.64         7.90 %      4,370         8.86 % 

GMC

      53,411,322.96         5.59 %      2,052         4.16 % 

Honda

      20,574,095.99         2.15 %      1,274         2.58 % 

Hyundai

      25,413,755.45         2.66 %      1,549         3.14 % 

Jeep

      29,896,239.44         3.13 %      1,661         3.37 % 

Kia

      52,947,981.91         5.54 %      2,961         6.01 % 

Mazda

      10,371,705.00         1.09 %      667         1.35 % 

Mercedes

      10,869,956.46         1.14 %      465         0.94 % 

Mitsubishi

      14,575,463.46         1.53 %      786         1.59 % 

Nissan

      51,353,529.15         5.38 %      2,962         6.01 % 

Pontiac

      13,958,849.57         1.46 %      1,075         2.18 % 

Toyota

      40,945,254.45         4.29 %      2,406         4.88 % 

Volkswagen

      10,912,761.09         1.14 %      628         1.27 % 

Other (3)

      65,298,996.32         6.84 %      3,595         7.29 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.
(3) Aggregate Principal Balance of less than 1% per manufacturer.

Distribution of the Automobile Loan Contracts by Vehicle Segment as of the Cutoff Date

 

Vehicle Segment (1)

    Aggregate Principal
Balance (2)		      % of
Aggregate
Principal
Balance (3)		     Number of
Automobile
Loan Contracts		      % of Total
Number of
Automobile
Loan
Contracts (3)		  

Full-Size Car

      4,858,077.23         0.51 %      274         0.56 % 

Full-Size Van/Truck

      153,980,999.72         16.13 %      6,405         12.99 % 

Full-Size SUV

      66,324,279.30         6.95 %      2,759         5.60 % 

Mid-Size Car

      269,764,857.23         28.25 %      14,217         28.83 % 

Mid-Size SUV

      211,008,593.24         22.10 %      10,875         22.06 % 

Economy/Compact Car

      134,334,254.32         14.07 %      8,539         17.32 % 

Compact Van/Truck

      42,817,434.20         4.48 %      2,725         5.53 % 

Sports Car

      71,694,751.32         7.51 %      3,487         7.07 % 

Segment Unavailable (4)

      131,736.31         0.01 %      24         0.05 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 954,914,982.87         100.00 %      49,305         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Categories reflect consolidated categories based on J.D. Power defined segments.
(2) Aggregate Principal Balances include some portion of accrued interest.
(3) Percentages may not add up to 100% because of rounding.
(4) Vehicle segmentation was not available for certain accounts at the time of the statistic

Distribution of the Automobile Loan Contracts

by Wholesale LTV as of the Cutoff Date

 

LTV Distribution(1)

    Pct. Of Total (2)(3)  

<100

      27.08 % 

100-109

      24.83 % 

110-119

      24.91 % 

120-129

      16.06 % 

130-139

      6.16 % 

140-149

      0.89 % 

150+

      0.08 % 
  

 

 

  

Total

      100.00 % 
  

 

 

  

Weighted Average LTV

      109 % 

 

(1) Wholesale LTV is calculated using the total amount financed, which may include taxes, title fees and ancillary products over the value of the vehicle at the time the vehicle is financed. The vehicle value at origination is determined by using NADA or Kelly Blue Book “Trade-In” prices for used vehicles or dealer invoice/dealer wholesale price for new vehicles.
(2) Wholesale LTV was not available or could not be calculated on certain loans and these loans are not included in the table above. Since these loans are not included in the Wholesale LTV table, the Aggregate Principal Balance may be less than the total statistical pool.
(3) Percentages may not add to 100% because of rounding.