Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) *
MONTHLY PERIOD : October 2003
Beginning of the Month Principal Receivables : |
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| 31,000,432,707.06 |
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Beginning of the Month Finance Charge Receivables : |
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| 915,437,295.16 |
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Beginning of the Month Discounted Receivables : |
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| 0.00 |
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Beginning of the Month Total Receivables : |
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| 31,915,870,002.22 |
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Removed Principal Receivables : |
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| 0.00 |
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Removed Finance Charge Receivables : |
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| 0.00 |
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Removed Total Receivables : |
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| 0.00 |
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Additional Principal Receivables : |
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| 988,734,609.22 |
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Additional Finance Charge Receivables : |
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| 49,683,964.03 |
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Additional Total Receivables : |
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| 1,038,418,573.25 |
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Discounted Receivables Generated this Period |
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| 0.00 |
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End of the Month Principal Receivables : |
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| 31,197,931,691.72 |
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End of the Month Finance Charge Receivables : |
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| 945,021,998.38 |
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End of the Month Discounted Receivables : |
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| 0.00 |
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End of the Month Total Receivables : |
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| 32,142,953,690.10 |
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Excess Funding Account Balance |
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| 0.00 |
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Adjusted Invested Amount of all Master Trust Series |
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| 27,180,943,627.63 |
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End of the Month Seller Percentage |
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| 12.88% |
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) |
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MONTHLY PERIOD : October 2003 |
| ACCOUNTS |
| RECEIVABLES |
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End of the Month Delinquencies : |
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30 - 59 Days Delinquent |
| 404,147 |
| 482,318,202.03 |
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60 - 89 Days Delinquent |
| 252,147 |
| 340,050,261.22 |
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90 + Days Delinquent |
| 549,410 |
| 788,270,372.05 |
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Total 30 + Days Delinquent |
| 1,205,704 |
| 1,610,638,835.30 |
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 5.01% |
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Defaulted Accounts During the Month |
| 178,979 |
| 174,639,057.61 |
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.55% |
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*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables. |
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Page 7 of 54
CAPITAL ONE MASTER TRUST (COLLECTIONS) |
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MONTHLY PERIOD : October 2003 |
| COLLECTIONS |
| PERCENTAGES |
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Total Collections and Gross Payment Rate** |
| 5,464,855,215.03 |
| 16.58% |
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Collections of Principal Receivables and Principal Payment Rate |
| 4,908,458,956.56 |
| 15.34% |
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Prior Month Billed Finance Charge and Fees |
| 413,502,723.78 |
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Amortized AMF Income |
| 35,999,411.13 |
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Interchange Collected |
| 64,177,685.06 |
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Recoveries of Charged Off Accounts |
| 50,110,664.82 |
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Collections of Discounted Receivables |
| 0.00 |
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Collections of Finance Charge Receivables and Annualized Yield |
| 563,790,484.79 |
| 21.15% |
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) |
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MONTHLY PERIOD : October 2003 |
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Beginning Unamortized AMF Balance |
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| 185,597,482.08 |
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+ AMF Slug for Added Accounts |
| 18,682,951.31 |
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+ AMF Collections |
| 28,605,184.81 |
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- Amortized AMF Income |
| 35,999,411.13 |
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Ending Unamortized AMF Balance |
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| 196,886,207.07 |
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**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes |
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Additional Total Receivables. |
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Page 8 of 54