AFS SENSUB CORP. - FORM 8-K - EX-99.1 - August 12, 2013

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Exhibit 99.1

AmeriCredit Automobile Receivables Trust 2013-4

Final Pool as of the Cutoff Date

8/7/2013

Composition of the Auto Loan Contracts

as of the Cutoff Date

 

    New     Used     Total  

Aggregate Principal Balance (1)

   $ 456,667,439.05      $ 493,222,541.42      $ 949,889,980.47   

Number of Automobile Loan Contracts

     20,188        33,818        54,006   

Percent of Aggregate Principal Balance

     48.08 %      51.92 %      100.00 % 

Average Principal Balance

   $ 22,620.74      $ 14,584.62      $ 17,588.60   

Range of Principal Balances

   ($ 361.01 to $78,636.36)      ($ 250.53 to $67,921.68)      ($ 250.53 to $78,636.36)   

Weighted Average APR (1)

     11.68 %      15.20 %      13.51 % 

Range of APRs

     (1.90% to 26.29 %)      (2.63% to 29.10 %)      (1.90% to 29.10 %) 

Weighted Average Remaining Term

     68        63        66   

Range of Remaining Terms

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

Weighted Average Original Term

     72        70        71   

Range of Original Terms

     (24 to 72 months)        (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 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         12.95 %      
     215-224         14.43 %      Less than 540         30.24 % 
     225-244         35.11 %      540-599         48.42 % 
     245-259         20.27 %      600-659         19.27 % 
     260 and greater         17.24 %      660 and greater         2.07 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Weighted Average Score

      239           564      

 

(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 2013-4

Final Pool as of the Cutoff Date

8/7/2013

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%

    $ 85,733.23         0.01 %      2         0.00 % 

2.000% to 2.999%

      325,124.68         0.03 %      12         0.02 % 

3.000% to 3.999%

      644,739.10         0.07 %      18         0.03 % 

4.000% to 4.999%

      1,103,415.02         0.12 %      45         0.08 % 

5.000% to 5.999%

      2,480,778.68         0.26 %      101         0.19 % 

6.000% to 6.999%

      20,708,885.68         2.18 %      858         1.59 % 

7.000% to 7.999%

      30,931,244.87         3.26 %      1,134         2.10 % 

8.000% to 8.999%

      94,630,324.12         9.96 %      3,913         7.25 % 

9.000% to 9.999%

      79,386,926.26         8.36 %      3,251         6.02 % 

10.000% to 10.999%

      109,455,051.22         11.52 %      5,023         9.30 % 

11.000% to 11.999%

      74,256,751.45         7.82 %      3,823         7.08 % 

12.000% to 12.999%

      68,376,352.13         7.20 %      3,820         7.07 % 

13.000% to 13.999%

      63,514,556.79         6.69 %      3,746         6.94 % 

14.000% to 14.999%

      68,208,286.58         7.18 %      4,196         7.77 % 

15.000% to 15.999%

      62,013,689.75         6.53 %      4,225         7.82 % 

16.000% to 16.999%

      69,144,267.06         7.28 %      4,780         8.85 % 

17.000% to 17.999%

      59,653,589.86         6.28 %      4,360         8.07 % 

18.000% to 18.999%

      63,387,686.98         6.67 %      4,632         8.58 % 

19.000% to 19.999%

      29,479,861.75         3.10 %      2,218         4.11 % 

20.000% to 20.999%

      21,356,401.28         2.25 %      1,563         2.89 % 

21.000% to 21.999%

      15,829,067.75         1.67 %      1,198         2.22 % 

22.000% to 22.999%

      7,283,761.25         0.77 %      527         0.98 % 

23.000% to 23.999%

      4,778,196.37         0.50 %      348         0.64 % 

24.000% to 24.999%

      2,291,991.91         0.24 %      172         0.32 % 

25.000% to 25.999%

      437,832.66         0.05 %      33         0.06 % 

26.000% to 26.999%

      93,476.73         0.01 %      6         0.01 % 

27.000% to 27.999%

      17,514.63         0.00 %      1         0.00 % 

28.000% to 28.999%

      —           0.00 %      0         0.00 % 

29.000% to 29.999%

      14,472.68         0.00 %      1         0.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 949,889,980.47         100.00 %      54,006         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 2013-4

Final Pool as of the Cutoff Date

8/7/2013

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

    $ 15,179,212.42         1.60 %      892         1.65 % 

Alaska

      1,950,871.94         0.21 %      105         0.19 % 

Arizona

      23,808,252.53         2.51 %      1,276         2.36 % 

Arkansas

      9,621,492.44         1.01 %      534         0.99 % 

California

      73,449,190.33         7.73 %      4,089         7.57 % 

Colorado

      18,724,237.48         1.97 %      1,058         1.96 % 

Connecticut

      5,836,763.69         0.61 %      338         0.63 % 

Delaware

      4,105,530.28         0.43 %      276         0.51 % 

District of Columbia

      2,139,081.25         0.23 %      118         0.22 % 

Florida

      66,133,815.31         6.96 %      3,978         7.37 % 

Georgia

      40,348,589.40         4.25 %      2,139         3.96 % 

Hawaii

      3,417,174.38         0.36 %      181         0.34 % 

Idaho

      1,851,195.50         0.19 %      109         0.20 % 

Illinois

      40,166,966.07         4.23 %      2,344         4.34 % 

Indiana

      24,468,057.91         2.58 %      1,582         2.93 % 

Iowa

      5,358,582.34         0.56 %      313         0.58 % 

Kansas

      4,885,238.47         0.51 %      253         0.47 % 

Kentucky

      13,564,469.33         1.43 %      862         1.60 % 

Louisiana

      26,012,415.75         2.74 %      1,198         2.22 % 

Maine

      2,445,518.97         0.26 %      158         0.29 % 

Maryland

      24,882,630.77         2.62 %      1,321         2.45 % 

Massachusetts

      15,103,807.02         1.59 %      902         1.67 % 

Michigan

      24,711,989.29         2.60 %      1,604         2.97 % 

Minnesota

      8,644,310.41         0.91 %      537         0.99 % 

Mississippi

      12,618,644.69         1.33 %      677         1.25 % 

Missouri

      15,853,337.20         1.67 %      903         1.67 % 

Montana

      2,795,607.06         0.29 %      125         0.23 % 

Nebraska

      2,052,747.67         0.22 %      130         0.24 % 

Nevada

      8,760,491.61         0.92 %      520         0.96 % 

New Hampshire

      3,241,930.69         0.34 %      208         0.39 % 

New Jersey

      17,528,812.40         1.85 %      1,166         2.16 % 

New Mexico

      13,613,499.54         1.43 %      642         1.19 % 

New York

      30,034,964.25         3.16 %      1,961         3.63 % 

North Carolina

      33,471,901.23         3.52 %      1,826         3.38 % 

North Dakota

      2,371,096.64         0.25 %      101         0.19 % 

Ohio

      40,680,332.38         4.28 %      2,878         5.33 % 

Oklahoma

      13,369,820.00         1.41 %      656         1.21 % 

Oregon

      6,094,659.78         0.64 %      362         0.67 % 

Pennsylvania

      35,087,219.79         3.69 %      2,347         4.35 % 

Rhode Island

      1,632,220.14         0.17 %      100         0.19 % 

South Carolina

      14,234,792.07         1.50 %      749         1.39 % 

South Dakota

      1,024,762.74         0.11 %      59         0.11 % 

Tennessee

      19,691,824.12         2.07 %      1,126         2.08 % 

Texas

      156,026,986.65         16.43 %      7,715         14.29 % 

Utah

      6,535,331.09         0.69 %      317         0.59 % 

Vermont

      1,527,494.95         0.16 %      80         0.15 % 

Virginia

      19,024,861.73         2.00 %      1,102         2.04 % 

Washington

      11,056,648.46         1.16 %      600         1.11 % 

West Virginia

      10,838,585.73         1.14 %      630         1.17 % 

Wisconsin

      11,550,991.68         1.22 %      738         1.37 % 

Wyoming

      2,286,601.09         0.24 %      108         0.20 % 

Other (3)

      74,421.81         0.01 %      13         0.02 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

TOTAL

    $ 949,889,980.47         100.00 %      54,006         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 2013-4

Final Pool as of the Cutoff Date

8/7/2013

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 %      23.82 % 
     100-109        22.29 % 
     110-119        23.96 % 
     120-129        19.06 % 
     130-139        9.10 % 
     140-149        1.61 % 
     150 and greater        0.16 % 
  

 

 

    

 

 

  

Weighted Average Wholesale LTV

      111 %   

 

(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 2013-4

Final Pool as of the Cutoff Date

8/7/2013

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)		  

Buick (4)

    $ 16,118,653.47         1.70 %      760         1.41 % 

Cadillac (4)

      12,517,601.37         1.32 %      641         1.19 % 

Chevrolet (4)

      325,561,652.45         34.27 %      15,335         28.39 % 

Chrysler

      26,319,746.47         2.77 %      1,973         3.65 % 

Dodge

      73,954,608.65         7.79 %      4,532         8.39 % 

Ford

      86,921,668.07         9.15 %      5,483         10.15 % 

GMC (4)

      43,582,592.60         4.59 %      1,750         3.24 % 

Honda

      30,577,204.56         3.22 %      1,915         3.55 % 

Hyundai

      33,343,413.69         3.51 %      2,193         4.06 % 

Jeep

      24,293,600.38         2.56 %      1,601         2.96 % 

Kia

      47,294,886.82         4.98 %      3,185         5.90 % 

Mazda

      12,191,094.92         1.28 %      871         1.61 % 

Mercedes

      11,462,714.32         1.21 %      542         1.00 % 

Mitsubishi

      9,538,099.73         1.00 %      691         1.28 % 

Nissan

      75,283,216.13         7.93 %      4,533         8.39 % 

Toyota

      49,663,407.40         5.23 %      2,937         5.44 % 

Volkswagen

      12,883,062.68         1.36 %      784         1.45 % 

Other (3)

      58,382,756.76         6.15 %      4,280         7.93 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 949,889,980.47         100.00 %      54,006         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 $265,892,308.26, or approximately 28% 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

    $ 3,895,544.69         0.41 %      259         0.48 % 

Full-Size Van/Truck

      141,301,041.60         14.88 %      5,941         11.00 % 

Full-Size SUV

      43,272,834.48         4.56 %      2,155         3.99 % 

Mid-Size Car

      261,583,307.28         27.54 %      15,479         28.66 % 

Mid-Size SUV

      209,956,707.31         22.10 %      11,827         21.90 % 

Economy/Compact Car

      186,158,192.99         19.60 %      12,208         22.60 % 

Compact Van/Truck

      35,279,206.56         3.71 %      2,624         4.86 % 

Sports Car

      68,066,003.30         7.17 %      3,495         6.47 % 

Segment Unavailable (4)

      377,142.26         0.04 %      18         0.03 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 949,889,980.47         100.00 %      54,006         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 2013-4

Final Pool as of the Cutoff Date

8/7/2013

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

    $ 888,676,792.52         93.56 %      44,695         82.76 % 

1

      7,483,796.68         0.79 %      1,127         2.09 % 

2+

      53,729,391.27         5.66 %      8,184         15.15 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 949,889,980.47         100.00 %      54,006         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

    $ 918,504,364.70         96.70 %      49,601         91.84 % 

1

      8,463,324.23         0.89 %      1,297         2.40 % 

2+

      22,922,291.54         2.41 %      3,108         5.75 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 949,889,980.47         100.00 %      54,006         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

    $ 943,005,059.86         99.28 %      53,045         98.22 % 

1

      4,607,246.17         0.49 %      653         1.21 % 

2+

      2,277,674.44         0.24 %      308         0.57 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

Total

    $ 949,889,980.47         100.00 %      54,006         100.00 % 
  

 

 

     

 

 

    

 

 

     

 

 

  

 

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