Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES)
MONTHLY PERIOD : April 2003
Beginning of the Month Principal Receivables : |
| 27,199,836,938.36 |
|
Beginning of the Month Finance Charge Receivables : |
| 824,425,347.41 |
|
Beginning of the Month Discounted Receivables : |
| 0.00 |
|
Beginning of the Month Total Receivables : |
| 28,024,262,285.77 |
|
|
|
|
|
Removed Principal Receivables : |
| 0.00 |
|
Removed Finance Charge Receivables : |
| 0.00 |
|
Removed Total Receivables : |
| 0.00 |
|
|
|
|
|
Additional Principal Receivables : |
| 511,251,968.53 |
|
Additional Finance Charge Receivables : |
| 12,426,808.35 |
|
Additional Total Receivables : |
| 523,678,776.88 |
|
|
|
|
|
Discounted Receivables Generated this Period |
| 0.00 |
|
|
|
|
|
End of the Month Principal Receivables : |
| 27,356,673,468.68 |
|
End of the Month Finance Charge Receivables : |
| 804,646,794.89 |
|
End of the Month Discounted Receivables : |
| 0.00 |
|
End of the Month Total Receivables : |
| 28,161,320,263.57 |
|
|
|
|
|
Excess Funding Account Balance |
| 0.00 |
|
Adjusted Invested Amount of all Master Trust Series |
| 24,132,464,450.82 |
|
|
|
|
|
End of the Month Seller Percentage |
| 11.79 | % |
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : April 2003 |
| ACCOUNTS |
| RECEIVABLES |
|
|
|
|
|
|
|
End of the Month Delinquencies : |
|
|
|
|
|
30 - 59 Days Delinquent |
| 346,430.00 |
| 429,827,001.68 |
|
60 - 89 Days Delinquent |
| 203,606.00 |
| 284,393,061.90 |
|
90 + Days Delinquent |
| 481,723.00 |
| 688,605,687.99 |
|
|
|
|
|
|
|
Total 30 + Days Delinquent |
| 1,031,759.00 |
| 1,402,825,751.57 |
|
|
|
|
|
|
|
Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
|
|
| 4.98 | % |
|
|
|
|
|
|
Defaulted Accounts During the Month |
| 179,065.00 |
| 167,607,850.34 |
|
|
|
|
|
|
|
Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
|
|
| 7.26 | % |
* See note on last page of the report
Page 7 of 57
CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : April 2003 |
| COLLECTIONS |
| PERCENTAGES |
|
|
|
|
|
|
|
Total Collections and Gross Payment Rate |
| 4,857,387,745.53 |
| 17.01 | % |
|
|
|
|
|
|
Collections of Principal Receivables and Principal Payment Rate |
| 4,405,255,750.94 |
| 15.90 | % |
|
|
|
|
|
|
Prior Month Billed Finance Charge and Fees |
| 331,238,218.49 |
|
|
|
Amortized AMF Income |
| 27,196,495.18 |
|
|
|
Interchange Collected |
| 56,483,181.93 |
|
|
|
Recoveries of Charged Off Accounts |
| 45,481,558.46 |
|
|
|
Collections of Discounted Receivables |
| 0.00 |
|
|
|
|
|
|
|
|
|
Collections of Finance Charge Receivables and Annualized Yield |
| 460,399,454.06 |
| 19.94 | % |
CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : April 2003
Beginning Unamortized AMF Balance |
|
|
| 142,841,569.07 |
|
+ AMF Slug for Added Accounts |
| 2,457,519.67 |
|
|
|
+ AMF Collections |
| 18,929,035.71 |
|
|
|
- Amortized AMF Income |
| 27,196,495.18 |
|
|
|
Ending Unamortized AMF Balance |
|
|
| 137,031,629.27 |
|
| /s/ Stephen Linehan |
| Stephen Linehan |
| Treasurer |
*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables.
Page 8 of 57