Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) *
MONTHLY PERIOD : April 2004
Beginning of the Month Principal Receivables : |
| 33,583,761,657.27 |
|
Beginning of the Month Finance Charge Receivables : |
| 845,604,471.21 |
|
Beginning of the Month Discounted Receivables : |
| 0.00 |
|
Beginning of the Month Total Receivables : |
| 34,429,366,128.48 |
|
|
|
|
|
Removed Principal Receivables : |
| 0.00 |
|
Removed Finance Charge Receivables : |
| 0.00 |
|
Removed Total Receivables : |
| 0.00 |
|
|
|
|
|
Additional Principal Receivables : |
| 779,605,757.84 |
|
Additional Finance Charge Receivables : |
| 1,680,054.67 |
|
Additional Total Receivables : |
| 781,285,812.51 |
|
|
|
|
|
Discounted Receivables Generated this Period |
| 0.00 |
|
|
|
|
|
End of the Month Principal Receivables : |
| 33,861,940,788.54 |
|
End of the Month Finance Charge Receivables : |
| 814,406,755.62 |
|
End of the Month Discounted Receivables : |
| 0.00 |
|
End of the Month Total Receivables : |
| 34,676,347,544.16 |
|
|
|
|
|
Excess Funding Account Balance |
| 0.00 |
|
Adjusted Invested Amount of all Master Trust Series |
| 29,484,244,659.36 |
|
|
|
|
|
End of the Month Seller Percentage |
| 12.93 | % |
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : April 2004
|
| ACCOUNTS |
| RECEIVABLES |
|
|
|
|
|
|
|
End of the Month Delinquencies : |
|
|
|
|
|
30 - 59 Days Delinquent |
| 358,129 |
| 424,842,761.07 |
|
60 - 89 Days Delinquent |
| 203,664 |
| 280,187,573.14 |
|
90 + Days Delinquent |
| 468,745 |
| 680,742,660.45 |
|
|
|
|
|
|
|
Total 30 + Days Delinquent |
| 1,030,538 |
| 1,385,772,994.66 |
|
|
|
|
|
|
|
Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
|
|
| 4.00 | % |
|
|
|
|
|
|
Defaulted Accounts During the Month |
| 172,951 |
| 184,991,543.42 |
|
|
|
|
|
|
|
Annualized Default Rate as a Percent of Adjusted Beginning of the Month Principal Receivables |
|
|
| 6.46 | % |
*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables.
1
CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : April 2004
|
| COLLECTIONS |
| PERCENTAGES |
|
|
|
|
|
|
|
Total Collections and Gross Payment Rate** |
| 5,644,077,419.07 |
| 16.03 | % |
|
|
|
|
|
|
Collections of Principal Receivables and Principal Payment Rate |
| 5,118,953,860.71 |
| 14.90 | % |
|
|
|
|
|
|
Prior Month Billed Finance Charge and Fees |
| 368,354,426.26 |
|
|
|
Amortized AMF Income |
| 41,058,488.59 |
|
|
|
Interchange Collected |
| 69,773,392.71 |
|
|
|
Recoveries of Charged Off Accounts |
| 60,371,001.47 |
|
|
|
Collections of Discounted Receivables |
| 0.00 |
|
|
|
|
|
|
|
|
|
Collections of Finance Charge Receivables and Annualized Yield |
| 539,557,309.03 |
| 18.84 | % |
CAPITAL ONE MASTER TRUST (AMF COLLECTIONS)
MONTHLY PERIOD : April 2004
Beginning Unamortized AMF Balance |
|
|
| 217,952,545.44 |
|
+ AMF Slug |
| 55.47 |
|
|
|
+ AMF Collections |
| 26,624,737.92 |
|
|
|
- Amortized AMF Income |
| 41,058,488.59 |
|
|
|
Ending Unamortized AMF Balance |
|
|
| 203,518,850.24 |
|
**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables.
2