<PAGE>

                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 10-K

              [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 2005

             [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                      THE SECURITIES EXCHANGE ACT OF 1934

                         Commission File No.: 333-74756

                   NATIONAL CITY AUTO RECEIVABLES TRUST 2002-A
             (Exact name of registrant as specified in its charter)

                   DELAWARE                                         N/A
       (State or other jurisdiction                         (I.R.S. Employer
              of incorporation)                             Identification No.)

            NATIONAL CITY CENTER
           1900 EAST NINTH STREET
               CLEVELAND, OHIO                                   44114-3484
 (Address of principal executive offices)                        (ZIP Code)

                                 (216) 222-2000
              (Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as
defined in Rule 405 of the Securities Act. Yes [ ] No [X]

Indicate by check mark if the registrant is not required to file reports
pursuant to Section 13 or Section 15(d) of the Act. Yes [ ] No [X]

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days.

                               Yes [x]    NO [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K (229.405 of this chapter) is not contained herein, and will
not be contained, to the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part III of this Form 10-K
or any amendment to this Form 10-K. [ ]

                                 Not Applicable

Indicate by check mark whether the registrant is a large accelerated filer, an
accelerated filer, or a non-accelerated filer. See definition of "accelerated
filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. (Check
one):

 Large accelerated filer [ ]  Accelerated filer [ ]  Non-accelerated filer [X]

Indicate by check mark whether the registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act). Yes [ ]  No [X]

State the aggregate market value of the voting and non-voting common equity held
by non-affiliates computed by reference to the price at which the common equity
was last sold, or the average bid and asked price of such common equity, as of
the last business day of the registrant's most recently completed second fiscal
quarter.

                                 Not Applicable

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INTRODUCTORY NOTE

         This Annual Report on Form 10-K is filed with respect to National City
         Auto Receivables Trust 2002-A (the "Trust"), a trust formed under the
         laws of the state of Delaware pursuant to an amended and restated Trust
         Agreement, dated as of March 1, 2002, between National City Vehicle
         Receivables, Inc., as depositor, and Wilmington Trust Company, as owner
         trustee. The Trust issued $1,046,735,000 in aggregate principal
         amount of asset-backed notes, Classes A-l, A-2, A-3, and A-4 (the
         "Notes") pursuant to an Indenture, dated as of March 1, 2002, between
         the Trust, as issuer, and the Bank of New York, as indenture trustee.
         Certain information otherwise required to be included in this Annual
         Report has been omitted, in reliance on the letter relief granted by
         the staff of the Securities and Exchange Commission to other companies
         in similar circumstances. Items designated herein as "Not Applicable",
         except for Item 14 for which disclosure is not required for
         asset-backed issuers, have been omitted as a result of this reliance.

                                     PART I

Item 1.  BUSINESS

         Not Applicable

Item 1A. RISK FACTORS

         Not Applicable

Item 1B. UNRESOLVED STAFF COMMENTS

         Not Applicable

Item 2.  PROPERTIES

         Not Applicable

Item 3.  LEGAL PROCEEDINGS

         The registrant is not aware of any material pending legal proceedings
         relating to the Trust to which any of the Trust, the indenture trustee,
         the owner trustee, the servicer or the registrant was a party or which
         any of their respective properties was the subject during the fiscal
         year covered by this report, nor is the registrant aware of any such
         proceedings contemplated by governmental authorities.

Item 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         No vote or consent of the securityholders was solicited for any purpose
         during the year ended December 31, 2005.

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                                    PART II

Item 5.  MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS
         AND ISSUER PURCHASES OF EQUITY SECURITIES

      (a) Item 201 of Regulation S-K:

         i. Market Information. To the registrant's knowledge, there is no
         established public trading market for the Certificates.

         ii. Holders. The records of ADP Financial Information Services, Inc.
         indicate that, at February 15, 2006, there were no participants holding
         a position in the Class A-l Notes, which were paid off in 2002, no
         participants holding a position in the Class A-2 Notes, which were paid
         off in 2003, no participants holding a position in the Class A-3 Notes,
         which were paid off in 2004, and 67 participants holding a position in
         the Class A-4 Notes.

         iii. Dividends. Not applicable. (Information as to distributions to
         Certificate holders is provided in the registrant's monthly fillings on
         Form 8-K.)

         iv. Securities Authorized for Issuance Under Equity Compensation Plans.
         Not applicable.

      (b) Item 701(f) of Regulation S-K. Not applicable.

      (c) Item 703 of Regulation S-K. Not applicable.

Item 6.  SELECTED FINANCIAL DATA

         Not Applicable

Item 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS

         Not Applicable

Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

         Not Applicable

Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Not Applicable

Item 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
         FINANCIAL DISCLOSURE

         None

Item 9A. CONTROLS AND PROCEDURES

         Not Applicable

Item 9B. OTHER INFORMATION

         None
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                                    PART III

Item 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

         Not Applicable

Item 11. EXECUTIVE COMPENSATION

         Not Applicable

Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT
         AND RELATED STOCKHOLDER MATTERS

                 (a) Each class of Certificates is represented by one or more
                     certificates registered in the name of Cede & Co., the
                     nominee of the Depository Trust Company ("DTC") and an
                     investor holding an interest in the Trust is not entitled
                     to receive a Certificate representing such interest except
                     in limited circumstances. Accordingly, Cede & Co. is the
                     sole holder of record of Certificates, which it holds on
                     behalf of other brokers, dealers, banks and other direct
                     participants in the DTC system. Such direct participants
                     may hold Certificates for their own account or for the
                     accounts of their customers. At February 15, 2006, the
                     following direct DTC participants held positions in
                     Certificates representing interest in the Trust equal to or
                     exceeding 5% of the total principal amount of each class
                     outstanding on that date. The address of each of the
                     participants listed below is: C/O The Depository Trust
                     Company, 55 Water Street, 49th Floor, New York, New York
                     10041.

<TABLE>
<CAPTION>
                                                                                        Amount of
                                                                                        Beneficial
Title of Class       Name of Beneficial Owner                                           Ownership       Percent of Class
------------------------------------------------------------------------------------------------------------------------
<S>                <C>                                                            <C>                        <C>
Class A-1            None

Class A-2            None

Class A-3            None

Class A-4            JP Morgan                                                          34,080,000                 74%
                     Mellon                                                              3,726,743                  8%
                     Brown Brothers Harriman & Co.                                       2,587,000                  6%
</TABLE>


                 (b) Not Applicable

                 (c) Not Applicable

Item 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         Not Applicable

Item 14. PRINCIPAL ACCOUNTING FEES AND SERVICES

         Not Applicable
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                                     PART IV

Item 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

     (a) The following documents are filed as part of the report:

         Exhibit 31:   Sarbanes-Oxley Act 302 Certification dated March 31, 2006
                       for National City Auto Receivables Trust 2002-A Annual
                       Report on Form 10-K for the year ended December 31, 2005.

         Exhibit 99.1: Annual Servicer's Certificate

         Exhibit 99.2: Report of Independent Accountants

                       Management's Assertion on Compliance with the Specified
                       Servicing standards over the National City Auto
                       Receivables Trust 2002-A

        (b) Not applicable

        (c) Omitted

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                                   SIGNATURES

         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.

                                           NATIONAL CITY BANK, as
                                           Trust Administrator

                                           By: /s/ Russell A. Cronin, Jr.
                                               --------------------------------
                                               Name: Russell A. Cronin, Jr.
                                               Title: Senior Vice President

Dated: March 31, 2006