EX-20.1 3 w57478ex20-1.txt JANUARY PERFORMANCE SUMMARY CAPITAL ONE MASTER TRUST (RECEIVABLES) MONTHLY PERIOD : JANUARY 2002 Beginning of the Month Principal Receivables : 23,651,007,294.56 ------------------ Beginning of the Month Finance Charge Receivables : 903,218,329.61 ------------------ Beginning of the Month Discounted Receivables : 0.00 ------------------ Beginning of the Month Total Receivables : 24,554,225,624.17 ------------------ Removed Principal Receivables : 0.00 ------------------ Removed Finance Charge Receivables : 0.00 ------------------ Removed Total Receivables : 0.00 ------------------ Additional Principal Receivables : 859,404,684.67 ------------------ Additional Finance Charge Receivables : 24,878,693.28 ------------------ Additional Total Receivables : 884,283,377.95 ------------------ Discounted Receivables Generated this Period 0.00 ------------------ End of the Month Principal Receivables : 23,731,284,952.38 ------------------ End of the Month Finance Charge Receivables : 934,045,923.27 ------------------ End of the Month Discounted Receivables : 0.00 ------------------ End of the Month Total Receivables : 24,665,330,875.65 ------------------ Excess Funding Account Balance 0.00 ------------------ Adjusted Invested Amount of all Master Trust Series 20,165,254,048.68 ------------------ End of the Month Seller Percentage 15.03% ------------------
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) MONTHLY PERIOD : JANUARY 2002 ACCOUNTS RECEIVABLES -------- ----------- End of the Month Delinquencies : 30 - 59 Days Delinquent 568,463.00 465,053,538.61 ----------------- ------------------ 60 - 89 Days Delinquent 307,777.00 289,298,320.72 ----------------- ------------------ 90 + Days Delinquent 570,412.00 582,302,599.23 ----------------- ------------------ Total 30 + Days Delinquent 1,446,652.00 1,336,654,458.56 ----------------- ------------------ Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.42% ------------------ Defaulted Accounts During the Month 178,099.00 106,985,813.88 ----------------- ------------------ Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 5.24% ------------------
* See note on last page of the report Page 7 of 57 CAPITAL ONE MASTER TRUST (COLLECTIONS) MONTHLY PERIOD : JANUARY 2002 COLLECTIONS PERCENTAGES ----------- ----------- Total Collections and Gross Payment Rate 4,056,179,259.79 15.95% ----------------- ------------------ Collections of Principal Receivables and Principal Payment Rate 3,591,903,325.29 14.65% ----------------- ------------------ Prior Month Billed Finance Charge and Fees 362,796,192.28 ----------------- Amortized AMF Income 35,857,839.43 ----------------- Interchange Collected 41,681,599.07 ----------------- Recoveries of Charged Off Accounts 30,322,809.67 ----------------- Collections of Discounted Receivables 0.00 ----------------- Collections of Finance Charge Receivables and Annualized Yield 470,658,440.45 23.04% ----------------- ------------------ CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) MONTHLY PERIOD : JANUARY 2002 Beginning Unamortized AMF Balance 186,835,413.56 ------------------ + AMF Slug for Added Accounts 5,026,149.39 ----------------- + AMF Collections 29,475,333.48 ----------------- - Amortized AMF Income 35,857,839.43 ----------------- Ending Unamortized AMF Balance 185,479,057.00 ------------------
/s/ Tom Feil ---------------------------- Tom Feil Director of Securitization *For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables. Page 8 of 57