AFS SENSUB CORP. - FORM 8-K - EX-99.1 - April 5, 2013

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Exhibit 99.1

AmeriCredit Automobile Receivables Trust 2012-3

Final Pool as of the Cutoff Date

4/3/2013

Composition of the Auto Loan Contracts

as of the Cutoff Date

 

     New     Used     Total  

Aggregate Principal Balance (1)

    $ 507,283,751.93      $ 653,674,379.16      $ 1,160,958,131.09   

Number of Automobile Loan Contracts

      23,186        46,422        69,608   

Percent of Aggregate Principal Balance

      43.70 %      56.30 %      100.00 % 

Average Principal Balance

    $ 21,878.88      $ 14,081.13      $ 16,678.52   

Range of Principal Balances

    ($ 370.39 to $70,241.25 )    ($ 250.30 to $63,758.24 )    ($ 250.30 to $70,241.25 ) 

Weighted Average APR (1)

      12.12 %      15.49 %      14.01 % 

Range of APRs

      (3.90% to 25.69 %)      (2.90% to 29.99 %)      (2.90% to 29.99 %) 

Weighted Average Remaining Term

      68        62        64   

Range of Remaining Terms

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

Weighted Average Original Term

      72        69        71   

Range of Original Terms

      (24 to 72 months )      (18 to 72 months )      (18 to 72 months ) 

 

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

Score Distribution of the Automobile Loan Contracts

as of the Cutoff Date

 

     AmeriCredit Score (1)    % of Aggregate
Principal Balance (2)		     Credit Bureau Score  (3)    % of Aggregate
Principal Balance (2)		  
   Less than 215      11.38 %      
   215-224      14.70 %    Less than 540      30.25 % 
   225-244      35.76 %    540-599      47.74 % 
   245-259      21.24 %    600-659      19.94 % 
   260 and greater      16.92 %    660 and greater      2.07 % 
  

 

   

 

 

    

 

   

 

 

  

Weighted Average Score

    240      565   

 

(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 accounts 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 Experian credit reports depending on the location of the obligor. Credit Bureau Scores are unavailable 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.

AmeriCredit Automobile Receivables Trust 2012-3

Final Pool as of the Cutoff Date

4/3/2013

 

Distribution of the Automobile Loan Contracts by APR

as of the Cutoff Date

 

Distribution by APR

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

  1.000% to   1.999%

    $ 0.00         0.00 %      0         0.00 % 

  2.000% to   2.999%

      19,697.59         0.00 %      1         0.00 % 

  3.000% to   3.999%

      156,879.73         0.01 %      7         0.01 % 

  4.000% to   4.999%

      588,314.17         0.05 %      21         0.03 % 

  5.000% to   5.999%

      7,410,126.03         0.64 %      264         0.38 % 

  6.000% to   6.999%

      13,142,516.73         1.13 %      563         0.81 % 

  7.000% to   7.999%

      41,963,056.22         3.61 %      1,501         2.16 % 

  8.000% to   8.999%

      54,264,007.86         4.67 %      2,439         3.50 % 

  9.000% to   9.999%

      101,033,003.87         8.70 %      4,327         6.22 % 

10.000% to 10.999%

      80,593,127.26         6.94 %      3,990         5.73 % 

11.000% to 11.999%

      148,800,934.10         12.82 %      7,154         10.28 % 

12.000% to 12.999%

      86,924,782.79         7.49 %      5,049         7.25 % 

13.000% to 13.999%

      78,764,089.33         6.78 %      4,919         7.07 % 

14.000% to 14.999%

      89,468,521.22         7.71 %      5,718         8.21 % 

15.000% to 15.999%

      83,447,049.30         7.19 %      5,758         8.27 % 

16.000% to 16.999%

      94,308,736.63         8.12 %      6,559         9.42 % 

17.000% to 17.999%

      79,779,768.92         6.87 %      5,798         8.33 % 

18.000% to 18.999%

      85,710,960.98         7.38 %      6,509         9.35 % 

19.000% to 19.999%

      40,664,169.15         3.50 %      3,142         4.51 % 

20.000% to 20.999%

      30,505,330.21         2.63 %      2,372         3.41 % 

21.000% to 21.999%

      22,718,851.70         1.96 %      1,870         2.69 % 

22.000% to 22.999%

      10,654,927.48         0.92 %      829         1.19 % 

23.000% to 23.999%

      6,383,150.95         0.55 %      505         0.73 % 

24.000% to 24.999%

      2,870,825.81         0.25 %      250         0.36 % 

25.000% to 25.999%

      538,792.91         0.05 %      44         0.06 % 

26.000% to 26.999%

      191,053.27         0.02 %      14         0.02 % 

27.000% to 27.999%

      36,458.87         0.00 %      3         0.00 % 

28.000% to 28.999%

      9,981.78         0.00 %      1         0.00 % 

29.000% to 29.999%

      9,016.23         0.00 %      1         0.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,160,958,131.09         100.00 %      69,608         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

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

 

AmeriCredit Automobile Receivables Trust 2012-3

Final Pool as of the Cutoff Date

4/3/2013

 

Distribution of the Automobile Loan Contracts by Geographic Location

of Obligor as of the Cutoff Date

 

Geographic Location

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

Alabama

    $ 19,457,460.33         1.68 %      1,210         1.74 % 

Alaska

      1,956,194.48         0.17 %      106         0.15 % 

Arizona

      24,991,032.85         2.15 %      1,427         2.05 % 

Arkansas

      12,081,508.73         1.04 %      731         1.05 % 

California

      96,766,599.14         8.34 %      5,463         7.85 % 

Colorado

      21,182,446.50         1.82 %      1,235         1.77 % 

Connecticut

      7,630,294.50         0.66 %      475         0.68 % 

Delaware

      4,468,504.83         0.38 %      288         0.41 % 

District of Columbia

      2,248,496.80         0.19 %      117         0.17 % 

Florida

      97,030,203.06         8.36 %      6,035         8.67 % 

Georgia

      46,652,354.94         4.02 %      2,714         3.90 % 

Hawaii

      3,885,901.44         0.33 %      242         0.35 % 

Idaho

      2,315,453.85         0.20 %      145         0.21 % 

Illinois

      41,806,153.29         3.60 %      2,602         3.74 % 

Indiana

      31,894,973.73         2.75 %      2,011         2.89 % 

Iowa

      6,227,197.29         0.54 %      375         0.54 % 

Kansas

      5,605,108.26         0.48 %      328         0.47 % 

Kentucky

      17,149,010.24         1.48 %      1,238         1.78 % 

Louisiana

      29,911,582.97         2.58 %      1,481         2.13 % 

Maine

      4,062,231.66         0.35 %      279         0.40 % 

Maryland

      29,728,415.94         2.56 %      1,627         2.34 % 

Massachusetts

      18,772,058.63         1.62 %      1,215         1.75 % 

Michigan

      29,233,728.23         2.52 %      2,028         2.91 % 

Minnesota

      10,655,210.44         0.92 %      641         0.92 % 

Mississippi

      15,741,671.78         1.36 %      952         1.37 % 

Missouri

      16,405,946.02         1.41 %      994         1.43 % 

Montana

      3,233,383.13         0.28 %      162         0.23 % 

Nebraska

      2,634,881.89         0.23 %      177         0.25 % 

Nevada

      10,279,627.21         0.89 %      606         0.87 % 

New Hampshire

      4,402,585.40         0.38 %      278         0.40 % 

New Jersey

      20,245,977.19         1.74 %      1,349         1.94 % 

New Mexico

      15,003,517.44         1.29 %      765         1.10 % 

New York

      36,293,872.53         3.13 %      2,427         3.49 % 

North Carolina

      36,241,401.13         3.12 %      2,299         3.30 % 

North Dakota

      1,869,396.56         0.16 %      97         0.14 % 

Ohio

      50,884,626.29         4.38 %      3,719         5.34 % 

Oklahoma

      15,719,662.47         1.35 %      840         1.21 % 

Oregon

      6,632,258.79         0.57 %      454         0.65 % 

Pennsylvania

      48,310,827.80         4.16 %      3,292         4.73 % 

Rhode Island

      2,043,927.11         0.18 %      137         0.20 % 

South Carolina

      15,101,131.86         1.30 %      953         1.37 % 

South Dakota

      1,971,638.47         0.17 %      116         0.17 % 

Tennessee

      23,188,650.59         2.00 %      1,500         2.15 % 

Texas

      197,576,197.01         17.02 %      10,169         14.61 % 

Utah

      5,260,886.48         0.45 %      286         0.41 % 

Vermont

      1,510,945.24         0.13 %      95         0.14 % 

Virginia

      22,440,976.69         1.93 %      1,336         1.92 % 

Washington

      13,295,854.31         1.15 %      767         1.10 % 

West Virginia

      12,586,096.18         1.08 %      756         1.09 % 

Wisconsin

      13,082,909.00         1.13 %      890         1.28 % 

Wyoming

      3,091,838.55         0.27 %      147         0.21 % 

Other (3)

      195,321.84         0.02 %      32         0.05 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 1,160,958,131.09         100.00 %      69,608         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

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

 

AmeriCredit Automobile Receivables Trust 2012-3

Final Pool as of the Cutoff Date

4/3/2013

 

Distribution of the Automobile Loan Contracts by Wholesale LTV

as of the Cutoff Date

 

    Wholesale LTV (1)  Range   % of Aggregate
Principal Balance (2)(3)		  
  Less than 100%     25.62 % 
  100-109     23.29 % 
  110-119     23.79 % 
  120-129     17.35 % 
  130-139     8.07 % 
  140-149     1.65 % 
  150 and greater     0.23 % 
 

 

  

 

 

  

Weighted Average Wholesale LTV

   110%  

 

(1) Wholesale LTV is calculated using the total amount financed, which may include taxes, title fees and ancillary products over the wholesale auction value of the financed vehicle at the time the vehicle is financed. The vehicle value at origination is determined by using NADA or “Kelley 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 accounts and these accounts are not included in the table above. Since these accounts are not included in the Wholesale LTV table, the Aggregate Principal Balance may be less than the total pool.
(3) Percentages may not add up to 100% because of rounding.

 

AmeriCredit Automobile Receivables Trust 2012-3

Final Pool as of the Cutoff Date

4/3/2013

 

Distribution of the Automobile Loan Contracts by Vehicle Make

as of the Cutoff Date

 

Vehicle Make

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

BMW

    $ 11,689,421.54         1.01 %      566         0.81 % 

Buick (4)

      15,547,363.95         1.34 %      798         1.15 % 

Cadillac (4)

      15,219,233.78         1.31 %      781         1.12 % 

Chevrolet (4)

      356,309,382.12         30.69 %      18,002         25.86 % 

Chrysler

      36,910,625.70         3.18 %      2,819         4.05 % 

Dodge

      111,265,873.71         9.58 %      6,840         9.83 % 

Ford

      107,408,727.49         9.25 %      7,326         10.52 % 

GMC (4)

      53,981,871.34         4.65 %      2,238         3.22 % 

Honda

      33,582,509.23         2.89 %      2,270         3.26 % 

Hyundai

      38,006,464.57         3.27 %      2,552         3.67 % 

Jeep

      35,896,098.23         3.09 %      2,295         3.30 % 

Kia

      61,269,994.06         5.28 %      4,135         5.94 % 

Mazda

      16,552,385.41         1.43 %      1,158         1.66 % 

Mercedes

      14,817,882.67         1.28 %      681         0.98 % 

Mitsubishi

      14,157,947.41         1.22 %      1,000         1.44 % 

Nissan

      92,797,687.70         7.99 %      5,827         8.37 % 

Toyota

      59,846,754.74         5.15 %      3,747         5.38 % 

Volkswagen

      14,576,075.05         1.26 %      938         1.35 % 

Other (3)

      71,121,832.39         6.13 %      5,635         8.10 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,160,958,131.09         100.00 %      69,608         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% of Total Aggregate Principal Balance per vehicle make.
(4) The total Aggregate Principal Balance of all new GM vehicles is $271,237,916.18, or approximately 23% of the total pool.

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

    $ 5,270,663.42         0.45 %      353         0.51 % 

Full-Size Van/Truck

      175,576,864.34         15.12 %      7,729         11.10 % 

Full-Size SUV

      60,763,447.49         5.23 %      2,959         4.25 % 

Mid-Size Car

      284,222,906.06         24.48 %      18,652         26.80 % 

Mid-Size SUV

      271,131,968.48         23.35 %      15,655         22.49 % 

Economy/Compact Car

      222,772,070.81         19.19 %      15,562         22.36 % 

Compact Van/Truck

      48,327,473.07         4.16 %      3,689         5.30 % 

Sports Car

      88,717,839.38         7.64 %      4,820         6.92 % 

Segment Unavailable (4)

      4,174,898.04         0.36 %      189         0.27 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,160,958,131.09         100.00 %      69,608         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 the pool was selected.

 

AmeriCredit Automobile Receivables Trust 2012-3

Final Pool as of the Cutoff Date

4/3/2013

 

Historical Delinquency Experience of the Automobile Loan Contracts

as of the Cutoff Date

 

Number of Times
Ever 31 to 60 Days
Delinquent

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

0

    $ 1,064,462,637.28         91.69 %      55,678         79.99 % 

1

      9,781,335.93         0.84 %      1,397         2.01 % 

2+

      86,714,157.88         7.47 %      12,533         18.01 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,160,958,131.09         100.00 %      69,608         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

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

0

    $ 1,104,372,266.74         95.13 %      62,017         89.09 % 

1

      14,447,590.19         1.24 %      2,022         2.90 % 

2+

      42,138,274.16         3.63 %      5,569         8.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,160,958,131.09         100.00 %      69,608         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
90 Days Delinquent

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

0

    $ 1,146,467,483.85         98.75 %      67,662         97.20 % 

1

      9,485,771.40         0.82 %      1,300         1.87 % 

2+

      5,004,875.84         0.43 %      646         0.93 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 1,160,958,131.09         100.00 %      69,608         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.