Exhibit 20.1
Capital One Master Trust (RECEIVABLES)*
MONTHLY PERIOD: October 2005
1) |
| Beginning of the Month Principal Receivables: |
| $ | 36,143,288,114.01 |
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2) |
| Beginning of the Month Finance Charge Receivables: |
| $ | 723,322,461.83 |
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3) |
| Beginning of the Month AMF Receivables : |
| $ | 78,121,833.73 |
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4) |
| Beginning of the Month Discounted Receivables: |
| $ | 0.00 |
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5) |
| Beginning of the Month Total Receivables: |
| $ | 36,944,732,409.57 |
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6) |
| Removed Principal Receivables: |
| $ | 0.00 |
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7) |
| Removed Finance Charge Receivables: |
| $ | 0.00 |
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8) |
| Removed AMF Receivables |
| $ | 0.00 |
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9) |
| Removed Total Receivables: |
| $ | 0.00 |
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10) |
| Additional Principal Receivables: |
| $ | 1,039,266,834.02 |
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11) |
| Additional Finance Charge Receivables: |
| $ | 3,047,364.59 |
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12) |
| Additional AMF Receivables |
| $ | 9,551.13 |
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13) |
| Additional Total Receivables: |
| $ | 1,042,323,749.74 |
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14) |
| Discounted Receivables Generated this Period: |
| $ | 0.00 |
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15) |
| End of the Month Principal Receivables: |
| $ | 36,411,849,106.06 |
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16) |
| End of the Month Finance Charge Receivables: |
| $ | 676,337,352.20 |
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17) |
| End of the Month AMF Receivables |
| $ | 77,620,429.71 |
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18) |
| End of the Month Discounted Receivables: |
| $ | 0.00 |
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19) |
| End of the Month Total Receivables: |
| $ | 37,165,806,887.97 |
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20) |
| Excess Funding Account Balance |
| $ | 0.00 |
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21) |
| Adjusted Invested Amount of all Master Trust Series |
| $ | 31,273,567,493.46 |
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22) |
| End of the Month Seller Percentage |
| 14.11 | % |
Capital One Master Trust (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD: October 2005
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| ACCOUNTS |
| RECEIVABLES |
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1) |
| End of the Month Delinquencies: |
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| 2) | 30 - 59 days delinquent |
| 416,857 |
| $ | 463,691,187.50 |
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| 3) | 60 - 89 days delinquent |
| 259,172 |
| $ | 300,644,963.85 |
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| 4) | 90+ days delinquent |
| 545,250 |
| $ | 662,615,900.17 |
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| 5) | Total 30+ days delinquent |
| 1,221,279 |
| $ | 1,426,952,051.52 |
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| 6) | Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 3.84 | % | |
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7) |
| Defaulted Accounts during the Month |
| 284,831 |
| $ | 365,967,971.68 |
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8) |
| Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 11.81 | % |
*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables
Capital One Master Trust (COLLECTIONS)
MONTHLY PERIOD: October 2005
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| COLLECTIONS |
| PERCENTAGES |
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1) |
| Total Collections and Gross Payment Rate** |
| $ | 6,805,826,809.38 |
| 17.92 | % | ||
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2) |
| Collections of Principal Receivables and Principal Payment Rate |
| $ | 6,126,301,335.50 |
| 16.48 | % | ||
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| 3) | Prior Month Billed Finance Charges and Fees |
| $ | 493,843,242.44 |
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| 4) | Amortized AMF Income |
| $ | 42,116,725.75 |
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| 5) | Interchange Collected |
| $ | 94,377,207.98 |
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| 6) | Recoveries of Charged Off Accounts |
| $ | 57,990,787.00 |
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| 7) | Collections of Discounted Receivables |
| $ | 0.00 |
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| 8) | Collections of Finance Charge Receivables and Annualized Yield |
| $ | 688,327,963.17 |
| 22.21 | % | |
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| Capital One Master Trust (AMF COLLECTIONS) |
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| MONTHLY PERIOD: October 2005 |
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1) |
| Beginning Unamortized AMF Balance |
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| $ | 221,523,205.28 |
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| 2) | + AMF Slug |
| $ | 68,699.30 |
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| 3) | + AMF Collections |
| $ | 33,314,236.46 |
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| 4) | - Amortized AMF Income |
| $ | 42,116,725.75 |
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5) |
| Ending Unamortized AMF Balance |
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| $ | 212,789,415.29 |
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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