EX-20.1 2 a04-9257_1ex20d1.htm EX-20.1

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