AmeriCredit Automobile Receivables Trust 2013-5 - FORM 8-K - EX-99.1

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8-K - 8-K - AmeriCredit Automobile Receivables Trust 2013-5	d625664d8k.htm

Exhibit 99.1

AmeriCredit Automobile Receivables Trust 2013-5

Final Pool as of the Cutoff Date

11/6/2013

Composition of the Auto Loan Contracts

as of the Cutoff Date


	New			Used			Total
Aggregate Principal Balance₍₁₎		$523,495,714.47			$645,349,485.10			$1,168,845,199.57
Number of Automobile Loan Contracts		20,410			35,248			55,658
Percent of Aggregate Principal Balance		44.79	%		55.21	%		100.00	%
Average Principal Balance		$25,648.98			$18,308.83			$21,000.49
Range of Principal Balances		($431.37 to $84,583.41)			($355.36 to $76,530.27)			($355.36 to $84,583.41)
Weighted Average APR₍₁₎		11.77	%		15.20	%		13.66	%
Range of APRs		(1.90% to 24.99%)			(2.70% to 27.45%)			(1.90% to 27.45%)
Weighted Average Remaining Term		71			68			69
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		(36 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


		% of Aggregate				% of Aggregate
	AmeriCredit Score ₍₁₎	Principal Balance₍₂₎			Credit Bureau Score ₍₃₎	Principal Balance ₍₂₎
	Less than 215		13.58	%
	215-224		14.32	%	Less than 540		31.27	%
	225-244		34.39	%	540-599		49.36	%
	245-259		20.59	%	600-659		17.86	%
	260 and greater		17.12	%	660 and greater		1.50	%

Weighted Average Score	239				562

(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 2013-5

Final Pool as of the Cutoff Date

11/6/2013

Distribution of the Automobile Loan Contracts by APR

as of the Cutoff Date


								% of Total Number
	Aggregate Principal		% of Aggregate			Number of Automobile		of Automobile
Distribution by APR	Balance₍₁₎		Principal Balance₍₂₎			Loan Contracts		Loan Contracts ₍₂₎
1.000% to 1.999%	$	91,391.81		0.01	%		2		0.00	%
2.000% to 2.999%		291,015.67		0.02	%		7		0.01	%
3.000% to 3.999%		1,098,516.97		0.09	%		33		0.06	%
4.000% to 4.999%		715,874.22		0.06	%		31		0.06	%
5.000% to 5.999%		3,307,566.34		0.28	%		124		0.22	%
6.000% to 6.999%		31,971,992.17		2.74	%		1,201		2.16	%
7.000% to 7.999%		36,097,090.83		3.09	%		1,349		2.42	%
8.000% to 8.999%		107,506,720.12		9.20	%		4,189		7.53	%
9.000% to 9.999%		85,171,927.96		7.29	%		3,501		6.29	%
10.000% to 10.999%		109,613,004.52		9.38	%		4,688		8.42	%
11.000% to 11.999%		106,305,412.72		9.09	%		4,599		8.26	%
12.000% to 12.999%		94,099,493.53		8.05	%		4,418		7.94	%
13.000% to 13.999%		80,532,422.65		6.89	%		3,875		6.96	%
14.000% to 14.999%		89,427,227.81		7.65	%		4,446		7.99	%
15.000% to 15.999%		75,655,504.80		6.47	%		3,833		6.89	%
16.000% to 16.999%		88,899,669.60		7.61	%		4,645		8.35	%
17.000% to 17.999%		70,821,599.21		6.06	%		3,782		6.80	%
18.000% to 18.999%		75,347,751.94		6.45	%		4,107		7.38	%
19.000% to 19.999%		37,069,066.21		3.17	%		2,181		3.92	%
20.000% to 20.999%		29,194,612.97		2.50	%		1,773		3.19	%
21.000% to 21.999%		21,958,323.27		1.88	%		1,341		2.41	%
22.000% to 22.999%		10,415,605.58		0.89	%		658		1.18	%
23.000% to 23.999%		7,351,975.17		0.63	%		474		0.85	%
24.000% to 24.999%		4,236,279.82		0.36	%		284		0.51	%
25.000% to 25.999%		1,322,963.43		0.11	%		91		0.16	%
26.000% to 26.999%		283,974.93		0.02	%		22		0.04	%
27.000% to 27.999%		58,215.32		0.00	%		4		0.01	%
28.000% to 28.999%		—		0.00	%		0		0.00	%
29.000% to 29.999%		0.00		0.00	%		0		0.00	%

TOTAL	$	1,168,845,199.57		100.00	%		55,658		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 2013-5

Final Pool as of the Cutoff Date

11/6/2013

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	$	18,311,552.58		1.57	%		867		1.56	%
Alaska		2,819,926.87		0.24	%		128		0.23	%
Arizona		29,185,950.28		2.50	%		1,342		2.41	%
Arkansas		12,244,194.95		1.05	%		551		0.99	%
California		97,245,880.22		8.32	%		4,621		8.30	%
Colorado		25,342,611.03		2.17	%		1,219		2.19	%
Connecticut		6,382,215.31		0.55	%		341		0.61	%
Delaware		4,871,419.81		0.42	%		253		0.45	%
District of Columbia		2,524,677.40		0.22	%		120		0.22	%
Florida		88,791,005.36		7.60	%		4,428		7.96	%
Georgia		47,468,015.66		4.06	%		2,164		3.89	%
Hawaii		4,222,646.26		0.36	%		195		0.35	%
Idaho		2,360,700.42		0.20	%		116		0.21	%
Illinois		44,867,536.78		3.84	%		2,171		3.90	%
Indiana		26,716,308.45		2.29	%		1,338		2.40	%
Iowa		6,315,049.89		0.54	%		309		0.56	%
Kansas		5,279,876.10		0.45	%		252		0.45	%
Kentucky		18,472,210.51		1.58	%		936		1.68	%
Louisiana		30,736,532.46		2.63	%		1,271		2.28	%
Maine		3,548,177.59		0.30	%		191		0.34	%
Maryland		30,156,064.95		2.58	%		1,392		2.50	%
Massachusetts		19,756,689.72		1.69	%		1,081		1.94	%
Michigan		29,910,319.57		2.56	%		1,602		2.88	%
Minnesota		9,423,652.99		0.81	%		490		0.88	%
Mississippi		15,563,453.77		1.33	%		700		1.26	%
Missouri		21,366,117.09		1.83	%		1,081		1.94	%
Montana		3,488,297.03		0.30	%		155		0.28	%
Nebraska		2,840,746.19		0.24	%		151		0.27	%
Nevada		11,887,965.99		1.02	%		518		0.93	%
New Hampshire		5,647,206.73		0.48	%		307		0.55	%
New Jersey		20,955,662.19		1.79	%		1,103		1.98	%
New Mexico		18,431,764.79		1.58	%		787		1.41	%
New York		34,172,288.58		2.92	%		1,766		3.17	%
North Carolina		44,335,868.29		3.79	%		2,099		3.77	%
North Dakota		2,186,885.43		0.19	%		91		0.16	%
Ohio		45,497,752.15		3.89	%		2,441		4.39	%
Oklahoma		15,890,325.92		1.36	%		687		1.23	%
Oregon		7,343,699.35		0.63	%		384		0.69	%
Pennsylvania		41,778,789.24		3.57	%		2,176		3.91	%
Rhode Island		2,035,104.78		0.17	%		124		0.22	%
South Carolina		18,415,383.84		1.58	%		901		1.62	%
South Dakota		1,505,982.23		0.13	%		85		0.15	%
Tennessee		24,512,375.54		2.10	%		1,172		2.11	%
Texas		187,459,210.26		16.04	%		7,756		13.94	%
Utah		7,313,340.32		0.63	%		338		0.61	%
Vermont		1,624,588.65		0.14	%		94		0.17	%
Virginia		22,550,267.71		1.93	%		1,101		1.98	%
Washington		14,834,029.94		1.27	%		713		1.28	%
West Virginia		12,364,505.57		1.06	%		590		1.06	%
Wisconsin		14,857,041.26		1.27	%		833		1.50	%
Wyoming		3,020,721.59		0.26	%		126		0.23	%
Other₍₃₎		12,609.98		0.00	%		1		0.00	%

TOTAL	$	1,168,845,199.57		100.00	%		55,658		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 2013-5

Final Pool as of the Cutoff Date

11/6/2013

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%		23.12	%
	100-109		21.53	%
	110-119		24.45	%
	120-129		20.05	%
	130-139		9.12	%
	140-149		1.62	%
	150 and greater		0.11	%

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 2013-5

Final Pool as of the Cutoff Date

11/6/2013

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	$	13,200,162.60		1.13	%		581		1.04	%
Buick ₍₃₎		19,938,362.29		1.71	%		833		1.50	%
Cadillac₍₃₎		18,039,229.65		1.54	%		731		1.31	%
Chevrolet₍₃₎		378,982,256.02		32.42	%		16,221		29.14	%
Chrysler		32,540,133.52		2.78	%		1,739		3.12	%
Dodge		96,634,475.12		8.27	%		4,554		8.18	%
Ford		105,508,969.88		9.03	%		5,255		9.44	%
GMC ₍₃₎		51,712,574.49		4.42	%		1,800		3.23	%
Honda		38,179,887.90		3.27	%		2,120		3.81	%
Hyundai		45,049,756.71		3.85	%		2,498		4.49	%
Jeep		34,704,143.32		2.97	%		1,739		3.12	%
Kia		59,797,858.26		5.12	%		3,110		5.59	%
Mazda		18,225,311.54		1.56	%		1,076		1.93	%
Mercedes		14,074,828.68		1.20	%		544		0.98	%
Nissan		88,106,716.14		7.54	%		4,658		8.37	%
Toyota		64,117,151.09		5.49	%		3,349		6.02	%
Volkswagen		17,418,850.86		1.49	%		967		1.74	%
Other ₍₄₎		72,614,531.50		6.21	%		3,883		6.98	%

Total	$	1,168,845,199.57		100.00	%		55,658		100.00	%

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

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

(3)	The total Aggregate Principal Balance of all new GM vehicles is $293,658,090.74, or approximately 25% of the total pool.

(4)	Aggregate Principal Balance of less than 1% of Total Aggregate Principal Balance per vehicle make.

Distribution of the Automobile Loan Contracts by Vehicle Segment

as of the Cutoff Date


	Aggregate					Number of		% of Total Number
	Principal		% of Aggregate			Automobile		of Automobile
Vehicle Segment ₍₁₎	Balance ₍₂₎		Principal Balance ₍₃₎			Loan Contracts		Loan Contracts ₍₃₎
Full-Size Car	$	4,744,817.14		0.41	%		232		0.42	%
Full-Size Van/Truck		167,590,457.18		14.34	%		5,850		10.51	%
Full-Size SUV		53,755,452.28		4.60	%		2,018		3.63	%
Mid-Size Car		339,877,938.27		29.08	%		16,770		30.13	%
Mid-Size SUV		261,846,365.32		22.40	%		12,321		22.14	%
Economy/Compact Car		218,191,049.86		18.67	%		12,560		22.57	%
Compact Van/Truck		38,261,610.43		3.27	%		2,039		3.66	%
Sports Car		82,166,243.45		7.03	%		3,774		6.78	%
Segment Unavailable ₍₄₎		2,411,265.64		0.21	%		94		0.17	%

Total	$	1,168,845,199.57		100.00	%		55,658		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 2013-5

Final Pool as of the Cutoff Date

11/6/2013

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	$	1,152,821,461.23		98.63	%		54,238		97.45	%
1		8,399,548.48		0.72	%		405		0.73	%
2+		7,624,189.86		0.65	%		1,015		1.82	%

Total	$	1,168,845,199.57		100.00	%		55,658		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	$	1,162,766,169.13		99.48	%		54,827		98.51	%
1		1,072,839.62		0.09	%		126		0.23	%
2+		5,006,190.82		0.43	%		705		1.27	%

Total	$	1,168,845,199.57		100.00	%		55,658		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	$	1,166,994,239.19		99.84	%		55,403		99.54	%
1		1,130,983.89		0.10	%		152		0.27	%
2+		719,976.49		0.06	%		103		0.19	%

Total	$	1,168,845,199.57		100.00	%		55,658		100.00	%

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

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

AmeriCredit Automobile Receivables Trust 2013-5 - FORM 8-K - EX-99.1 - November 12, 2013

Attached files