EX-20.1 3 w83428exv20w1.txt JANUARY PERFORMANCE SUMMARY CAPITAL ONE MASTER TRUST (RECEIVABLES) MONTHLY PERIOD : January 2003 Beginning of the Month Principal Receivables : 28,342,015,324.72 ----------------- Beginning of the Month Finance Charge Receivables : 919,992,068.01 ----------------- Beginning of the Month Discounted Receivables : 0.00 ----------------- Beginning of the Month Total Receivables : 29,262,007,392.73 ----------------- Removed Principal Receivables : 0.00 ----------------- Removed Finance Charge Receivables : 0.00 ----------------- Removed Total Receivables : 0.00 ----------------- Additional Principal Receivables : 454,844,627.08 ----------------- Additional Finance Charge Receivables : 3,674,704.49 ----------------- Additional Total Receivables : 458,519,331.57 ----------------- Discounted Receivables Generated this Period 0.00 ----------------- End of the Month Principal Receivables : 27,758,078,698.35 ----------------- End of the Month Finance Charge Receivables : 918,063,986.95 ----------------- End of the Month Discounted Receivables : 0.00 ----------------- End of the Month Total Receivables : 28,676,142,685.30 ----------------- 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 10.51% ----------------- CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) MONTHLY PERIOD : January 2003 ACCOUNTS RECEIVABLES End of the Month Delinquencies : 30 - 59 Days Delinquent 439,904.00 495,818,232.37 ------------ ---------------- 60 - 89 Days Delinquent 279,331.00 340,462,884.68 ------------ ---------------- 90 + Days Delinquent 593,250.00 771,988,825.28 ------------ ---------------- Total 30 + Days Delinquent 1,312,485.00 1,608,269,942.33 ------------ ---------------- Delinquencies 30 + Days as a Percent of End of the Month Total Receivables 5.61% ---------------- Defaulted Accounts During the Month 202,333.00 166,323,258.77 ------------ ---------------- Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables 6.93% ----------------
* See note on last page of the report Page 7 of 59
CAPITAL ONE MASTER TRUST (COLLECTIONS) MONTHLY PERIOD : January 2003 COLLECTIONS PERCENTAGES Total Collections and Gross Payment Rate 5,079,329,698.38 17.09% ---------------- -------------- Collections of Principal Receivables and Principal Payment Rate 4,605,589,970.34 15.99% ---------------- -------------- Prior Month Billed Finance Charge and Fees 359,433,094.79 ---------------- Amortized AMF Income 26,810,105.68 ---------------- Interchange Collected 52,147,453.19 ---------------- Recoveries of Charged Off Accounts 39,060,020.52 ---------------- Collections of Discounted Receivables 0.00 ---------------- Collections of Finance Charge Receivables and Annualized Yield 477,450,674.18 19.90% ---------------- -------------- CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) MONTHLY PERIOD : January 2003 Beginning Unamortized AMF Balance 147,340,397.77 -------------- + AMF Slug for Added Accounts 480,707.41 ---------------- + AMF Collections 23,099,159.54 ---------------- - Amortized AMF Income 26,810,105.68 ---------------- Ending Unamortized AMF Balance 144,110,159.04 --------------
/s/ Tom Feil -------------------------------- Tom Feil Director, Capital Markets *FOR CALCULATION PURPOSES BEGINNING OF MONTH PRINCIPAL RECEIVABLES INCLUDES ADDITIONAL PRINCIPAL RECEIVABLES. Page 8 of 59