Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) * |
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MONTHLY PERIOD : December 2003 |
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Beginning of the Month Principal Receivables : |
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| 31,727,276,794.95 |
Beginning of the Month Finance Charge Receivables : |
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| 964,745,508.83 |
Beginning of the Month Discounted Receivables : |
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| 0.00 |
Beginning of the Month Total Receivables : |
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| 32,692,022,303.78 |
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Removed Principal Receivables : |
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| 0.00 |
Removed Finance Charge Receivables : |
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| 0.00 |
Removed Total Receivables : |
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| 0.00 |
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Additional Principal Receivables : |
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| 596,877,037.58 |
Additional Finance Charge Receivables : |
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| 21,205,255.73 |
Additional Total Receivables : |
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| 618,082,293.31 |
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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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| 32,890,374,707.52 |
End of the Month Finance Charge Receivables : |
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| 985,231,925.50 |
End of the Month Discounted Receivables : |
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| 0.00 |
End of the Month Total Receivables : |
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| 33,875,606,633.02 |
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Excess Funding Account Balance |
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| 0.00 |
Adjusted Invested Amount of all Master Trust Series |
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| 27,750,741,152.15 |
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End of the Month Seller Percentage |
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| 15.63% |
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) |
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MONTHLY PERIOD : December 2003 |
| ACCOUNTS |
| RECEIVABLES |
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End of the Month Delinquencies : |
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30 - 59 Days Delinquent |
| 447,736 |
| 513,831,334.83 |
60 - 89 Days Delinquent |
| 267,719 |
| 348,024,329.45 |
90 + Days Delinquent |
| 550,840 |
| 806,411,381.74 |
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Total 30 + Days Delinquent |
| 1,266,295 |
| 1,668,267,046.02 |
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.92% |
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Defaulted Accounts During the Month |
| 182,112 |
| 177,962,686.92 |
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.61% |
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*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables. |
Page 7 of 52
CAPITAL ONE MASTER TRUST (COLLECTIONS) |
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MONTHLY PERIOD : December 2003 |
| COLLECTIONS |
| PERCENTAGES |
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Total Collections and Gross Payment Rate** |
| 5,342,758,334.29 |
| 16.04% |
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Collections of Principal Receivables and Principal Payment Rate |
| 4,761,405,578.45 |
| 14.73% |
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Prior Month Billed Finance Charge and Fees |
| 413,064,781.60 |
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Amortized AMF Income |
| 39,560,388.29 |
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Interchange Collected |
| 84,241,683.90 |
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Recoveries of Charged Off Accounts |
| 43,917,274.11 |
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Collections of Discounted Receivables |
| 0.00 |
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Collections of Finance Charge Receivables and Annualized Yield |
| 580,784,127.90 |
| 21.56% |
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) |
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MONTHLY PERIOD : December 2003 |
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Beginning Unamortized AMF Balance |
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| 211,259,844.39 |
+AMF Slug |
| 8,031,253.42 |
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+AMF Collections |
| 40,129,016.23 |
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-Amortized AMF Income |
| 39,560,388.29 |
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Ending Unamortized AMF Balance |
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| 219,859,725.75 |
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**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables. |
Page 8 of 52