Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) * |
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MONTHLY PERIOD : January 2004 |
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Beginning of the Month Principal Receivables : |
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| 32,890,374,707.52 |
Beginning of the Month Finance Charge Receivables : |
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| 985,231,925.50 |
Beginning of the Month Discounted Receivables : |
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| 0.00 |
Beginning of the Month Total Receivables : |
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| 33,875,606,633.02 |
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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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| 1,179,156,797.64 |
Additional Finance Charge Receivables : |
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| 45,059,334.95 |
Additional Total Receivables : |
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| 1,224,216,132.59 |
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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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| 33,327,898,723.76 |
End of the Month Finance Charge Receivables : |
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| 1,025,375,435.29 |
End of the Month Discounted Receivables : |
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| 0.00 |
End of the Month Total Receivables : |
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| 34,353,274,159.05 |
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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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| 27,777,594,204.72 |
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End of the Month Seller Percentage |
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| 16.65% |
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) |
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MONTHLY PERIOD : January 2004 |
| ACCOUNTS |
| RECEIVABLES |
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End of the Month Delinquencies : |
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30 - 59 Days Delinquent |
| 462,982 |
| 521,370,357.28 |
60 - 89 Days Delinquent |
| 270,557 |
| 352,231,239.90 |
90 + Days Delinquent |
| 550,775 |
| 812,232,708.78 |
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Total 30 + Days Delinquent |
| 1,284,314 |
| 1,685,834,305.96 |
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.91% |
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Defaulted Accounts During the Month |
| 181,051 |
| 178,122,177.09 |
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.27% |
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*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables. |
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CAPITAL ONE MASTER TRUST (COLLECTIONS) |
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MONTHLY PERIOD : January 2004 |
| COLLECTIONS |
| PERCENTAGES |
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Total Collections and Gross Payment Rate** |
| 5,702,998,558.52 |
| 16.25% |
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Collections of Principal Receivables and Principal Payment Rate |
| 5,112,674,201.66 |
| 15.01% |
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Prior Month Billed Finance Charge and Fees |
| 433,952,309.29 |
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Amortized AMF Income |
| 41,967,348.51 |
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Interchange Collected |
| 62,140,640.66 |
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Recoveries of Charged Off Accounts |
| 50,975,888.38 |
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Collections of Discounted Receivables |
| 0.00 |
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Collections of Finance Charge Receivables and Annualized Yield |
| 589,036,186.84 |
| 20.75% |
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) |
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MONTHLY PERIOD : January 2004 |
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Beginning Unamortized AMF Balance |
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| 219,859,725.75 |
+ AMF Slug |
| 16,483,319.52 |
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+ AMF Collections |
| 43,255,518.53 |
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- Amortized AMF Income |
| 41,967,348.51 |
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Ending Unamortized AMF Balance |
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| 237,631,215.29 |
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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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