EX-20.1 3 w82387exv20w1.txt DECEMBER PERFORMANCE SUMMARY
CAPITAL ONE MASTER TRUST (RECEIVABLES) MONTHLY PERIOD : December 2002 Beginning of the Month Principal Receivables : 27,754,578,131.38 ----------------------------- Beginning of the Month Finance Charge Receivables : 925,751,201.24 ----------------------------- Beginning of the Month Discounted Receivables : 0.00 ----------------------------- Beginning of the Month Total Receivables : 28,680,329,332.62 ----------------------------- Removed Principal Receivables : 0.00 ----------------------------- Removed Finance Charge Receivables : 0.00 ----------------------------- Removed Total Receivables : 0.00 ----------------------------- Additional Principal Receivables : 0.00 ----------------------------- Additional Finance Charge Receivables : 0.00 ----------------------------- Additional Total Receivables : ----------------------------- Discounted Receivables Generated this Period 0.00 ----------------------------- End of the Month Principal Receivables : 28,342,015,324.72 ----------------------------- End of the Month Finance Charge Receivables : 919,992,068.01 ----------------------------- End of the Month Discounted Receivables : 0.00 ----------------------------- End of the Month Total Receivables : 29,262,007,392.73 ----------------------------- Excess Funding Account Balance 0.00 ----------------------------- Adjusted Invested Amount of all Master Trust Series 24,840,092,833.75 ----------------------------- End of the Month Seller Percentage 12.36% ----------------------------- CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) MONTHLY PERIOD : December 2002 ACCOUNTS RECEIVABLES End of the Month Delinquencies : 30 - 59 Days Delinquent 449,942.00 502,655,004.55 -------------------------- ----------------------------- 60 - 89 Days Delinquent 289,860.00 346,070,313.81 -------------------------- ----------------------------- 90 + Days Delinquent 623,947.00 789,423,508.72 -------------------------- ----------------------------- Total 30 + Days Delinquent 1,363,749.00 1,638,148,827.08 -------------------------- ----------------------------- Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.60% ----------------------------- Defaulted Accounts During the Month 205,449.00 163,119,646.73 -------------------------- ----------------------------- Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 7.05% -----------------------------
* See note on last page of the report Page 7 of 59
CAPITAL ONE MASTER TRUST (COLLECTIONS) MONTHLY PERIOD : December 2002 COLLECTIONS PERCENTAGES Total Collections and Gross Payment Rate 4,656,133,758.06 16.23% -------------------------- ----------------------------- Collections of Principal Receivables and Principal Payment Rate 4,155,232,785.05 14.97% -------------------------- ----------------------------- Prior Month Billed Finance Charge and Fees 367,674,240.17 -------------------------- Amortized AMF Income 27,397,183.41 -------------------------- Interchange Collected 70,034,949.74 -------------------------- Recoveries of Charged Off Accounts 33,782,152.81 -------------------------- Collections of Discounted Receivables 0.00 -------------------------- Collections of Finance Charge Receivables and Annualized Yield 498,888,526.13 21.57% -------------------------- ----------------------------- CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) MONTHLY PERIOD : December 2002 Beginning Unamortized AMF Balance 145,327,950.89 ----------------------------- + AMF Slug for Added Accounts 0.00 -------------------------- + AMF Collections 29,409,630.29 -------------------------- - Amortized AMF Income 27,397,183.41 -------------------------- Ending Unamortized AMF Balance 147,340,397.77 ----------------------------- /s/ Tom Feil -------------------------------- Tom Feil Director, Capital Markets
* FOR CALCULATION PURPOSES BEGINNING OF MONTH PRINCIPAL RECEIVABLES INCLUDES ADDITIONAL PRINCIPAL RECEIVABLES. Page 8 of 59