Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: July 2004
1) | Beginning of the Month Principal Receivables: |
| $ | 33,803,083,920.80 |
|
2) | Beginning of the Month Finance Charge Receivables: |
| $ | 801,049,867.87 |
|
3) | Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
|
4) | Beginning of the Month Total Receivables: |
| $ | 34,604,133,788.67 |
|
|
|
|
|
| |
5) | Removed Principal Receivables: |
| $ | 0.00 |
|
6) | Removed Finance Charge Receivables: |
| $ | 0.00 |
|
7) | Removed Total Receivables: |
| $ | 0.00 |
|
|
|
|
|
| |
8) | Additional Principal Receivables: |
| $ | 997,452,762.88 |
|
9) | Additional Finance Charge Receivables: |
| $ | 49,094,064.92 |
|
10) | Additional Total Receivables: |
| $ | 1,046,546,827.80 |
|
|
|
|
|
| |
11) | Discounted Receivables Generated this Period: |
| $ | 0.00 |
|
|
|
|
|
| |
12) | End of the Month Principal Receivables: |
| $ | 34,670,795,968.96 |
|
13) | End of the Month Finance Charge Receivables: |
| $ | 842,526,970.56 |
|
14) | End of the Month Discounted Receivables: |
| $ | 0.00 |
|
15) | End of the Month Total Receivables: |
| $ | 35,513,322,939.52 |
|
|
|
|
|
| |
16) | Excess Funding Account Balance |
| $ | 0.00 |
|
17) | Adjusted Invested Amount of all Master Trust Series |
| $ | 29,965,844,676.39 |
|
|
|
|
|
| |
18) | End of the Month Seller Percentage |
| 13.57 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: July 2004
|
|
| ACCOUNTS |
| RECEIVABLES |
| ||
1) | End of the Month Delinquencies: |
|
|
|
|
| ||
| 2) | 30 - 59 days delinquent |
| 448,977 |
| $ | 494,168,475.82 |
|
| 3) | 60 - 89 days delinquent |
| 275,973 |
| $ | 326,115,836.68 |
|
| 4) | 90+ days delinquent |
| 505,733 |
| $ | 672,642,552.55 |
|
|
|
|
|
|
|
|
| |
| 5) | Total 30+ days delinquent |
| 1,230,683 |
| $ | 1,492,926,865.05 |
|
|
|
|
|
|
|
|
| |
| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
|
|
| 4.20 | % | |
|
|
|
|
|
|
| ||
7) | Defaulted Accounts during the Month |
| 159,123 |
| $ | 170,091,364.35 |
| |
|
|
|
|
|
|
| ||
8) | Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
|
|
| 5.87 | % |
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
| Capital One Master Trust (COLLECTIONS) |
|
| MONTHLY PERIOD: July 2004 |
|
|
|
|
| COLLECTIONS |
| PERCENTAGES |
| ||
|
|
|
|
|
|
|
| ||
1) | Total Collections and Gross Payment Rate** |
| $ | 5,912,246,902.48 |
| 16.58 | % | ||
|
|
|
|
|
|
|
| ||
2) | Collections of Principal Receivables and Principal Payment Rate |
| $ | 5,309,321,272.43 |
| 15.26 | % | ||
|
|
|
|
|
|
|
| ||
| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 429,932,609.47 |
|
|
| |
| 4) | Amortized AMF Income |
| $ | 45,312,929.86 |
|
|
| |
| 5) | Interchange Collected |
| $ | 74,999,677.46 |
|
|
| |
| 6) | Recoveries of Charged Off Accounts |
| $ | 57,165,803.60 |
|
|
| |
| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
|
|
| |
|
|
|
|
|
|
|
| ||
| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 607,411,020.39 |
| 20.94 | % | |
|
|
|
|
|
|
|
| ||
| Capital One Master Trust (AMF COLLECTIONS) |
| |||||||
| MONTHLY PERIOD: July 2004 |
| |||||||
|
|
|
|
|
|
|
| ||
1) | Beginning Unamortized AMF Balance |
|
|
| $ | 223,732,708.81 |
| ||
| 2) | + AMF Slug |
| $ | 26,909,468.20 |
|
|
| |
| 3) | + AMF Collections |
| $ | 40,827,539.52 |
|
|
| |
| 4) | - Amortized AMF Income |
| $ | 45,312,929.86 |
|
|
| |
5) | Ending Unamortized AMF Balance |
|
|
| $ | 246,156,786.67 |
|
**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables