Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) * |
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MONTHLY PERIOD : February 2004 |
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Beginning of the Month Principal Receivables : |
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| 33,327,898,723.76 | |
Beginning of the Month Finance Charge Receivables : |
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| 1,025,375,435.29 | |
Beginning of the Month Discounted Receivables : |
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| 0.00 | |
Beginning of the Month Total Receivables : |
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| 34,353,274,159.05 | |
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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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| 693,114,618.68 | |
Additional Finance Charge Receivables : |
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| 985,073.48 | |
Additional Total Receivables : |
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| 694,099,692.16 | |
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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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| 33,298,466,861.51 | |
End of the Month Finance Charge Receivables : |
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| 914,800,526.00 | |
End of the Month Discounted Receivables : |
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| 0.00 | |
End of the Month Total Receivables : |
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| 34,213,267,387.51 | |
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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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| 28,257,708,585.10 | |
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End of the Month Seller Percentage |
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| 15.14% | |
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) |
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MONTHLY PERIOD : February 2004 | ACCOUNTS |
| RECEIVABLES | |
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End of the Month Delinquencies : |
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| 30 - 59 Days Delinquent | 406,953 |
| 482,059,676.95 |
| 60 - 89 Days Delinquent | 262,871 |
| 337,532,005.68 |
| 90 + Days Delinquent | 525,079 |
| 773,649,711.76 |
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| Total 30 + Days Delinquent | 1,194,903 |
| 1,593,241,394.39 |
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| Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 4.66% |
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Defaulted Accounts During the Month | 176,738 |
| 182,637,456.19 | |
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.44% |
*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 : February 2004 | COLLECTIONS |
| PERCENTAGES | ||
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Total Collections and Gross Payment Rate** | 5,334,792,439.12 |
| 15.22% | ||
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Collections of Principal Receivables and Principal Payment Rate | 4,739,625,926.43 |
| 13.93% | ||
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| Prior Month Billed Finance Charge and Fees | 449,209,006.43 |
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| Amortized AMF Income | 41,130,917.22 |
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| Interchange Collected | 58,256,428.30 |
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| Recoveries of Charged Off Accounts | 57,769,074.64 |
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| Collections of Discounted Receivables | 0.00 |
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Collections of Finance Charge Receivables and Annualized Yield | 606,365,426.59 |
| 21.39% | ||
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) |
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MONTHLY PERIOD : February 2004 |
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Beginning Unamortized AMF Balance |
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| 237,631,215.29 | ||
+ | AMF Slug | 41,612.95 |
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+ | AMF Collections | 29,932,003.32 |
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- | Amortized AMF Income | 41,130,917.22 |
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Ending Unamortized AMF Balance |
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| 226,473,914.34 | ||
**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables.
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