EX-20.1 2 a05-1319_1ex20d1.htm EX-20.1

Exhibit 20.1

 

Capital One Master Trust (RECEIVABLES)*

MONTHLY PERIOD: December 2004

 

1)

 

Beginning of the Month Principal Receivables:

 

$

35,582,572,070.14

 

2)

 

Beginning of the Month Finance Charge Receivables:

 

$

850,086,078.99

 

3)

 

Beginning of the Month Discounted Receivables:

 

$

0.00

 

4)

 

Beginning of the Month Total Receivables:

 

$

36,432,658,149.13

 

 

 

 

 

 

 

5)

 

Removed Principal Receivables:

 

$

0.00

 

6)

 

Removed Finance Charge Receivables:

 

$

0.00

 

7)

 

Removed Total Receivables:

 

$

0.00

 

 

 

 

 

 

 

8)

 

Additional Principal Receivables:

 

$

0.00

 

9)

 

Additional Finance Charge Receivables:

 

$

0.00

 

10)

 

Additional Total Receivables:

 

$

0.00

 

 

 

 

 

 

 

11)

 

Discounted Receivables Generated this Period:

 

$

0.00

 

 

 

 

 

 

 

12)

 

End of the Month Principal Receivables:

 

$

36,119,374,938.66

 

13)

 

End of the Month Finance Charge Receivables:

 

$

837,958,489.84

 

14)

 

End of the Month Discounted Receivables:

 

$

0.00

 

15)

 

End of the Month Total Receivables:

 

$

36,957,333,428.50

 

 

 

 

 

 

 

16)

 

Excess Funding Account Balance

 

$

0.00

 

17)

 

Adjusted Invested Amount of all Master Trust Series

 

$

31,040,571,259.66

 

 

 

 

 

 

 

18)

 

End of the Month Seller Percentage

 

14.06

%

 

Capital One Master Trust (DELINQUENCIES AND LOSSES)

MONTHLY PERIOD: December 2004

 

 

 

 

 

ACCOUNTS

 

RECEIVABLES

 

 

 

 

 

 

 

 

 

1)

 

End of the Month Delinquencies:

 

 

 

 

 

 

 

2)

30 - 59 days delinquent

 

458,519

 

$

500,336,008.76

 

 

 

3)

60 - 89 days delinquent

 

285,800

 

$

338,985,632.51

 

 

 

4)

90+ days delinquent

 

608,337

 

$

778,952,306.11

 

 

 

 

 

 

 

 

 

 

 

 

5)

Total 30+ days delinquent

 

1,352,656

 

$

1,618,273,947.38

 

 

 

 

 

 

 

 

 

 

 

 

6)

Delinquencies 30 + Days as a Percent of End of the Month Total Receivables

 

 

 

4.38

%

 

 

 

 

 

 

 

 

 

7)

 

Defaulted Accounts during the Month

 

194,867

 

$

186,819,367.39

 

 

 

 

 

 

 

 

 

8)

 

Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables

 

 

 

6.30

%

 

*For calculation purposes, Beginning of Month Principal Receivables includes Additional Principal Receivables

 


 

Capital One Master Trust (COLLECTIONS)

MONTHLY PERIOD: December 2004

 

 

 

 

 

COLLECTIONS

 

PERCENTAGES

 

 

 

 

 

 

 

 

 

1)

 

Total Collections and Gross Payment Rate**

 

$

5,966,080,133.71

 

16.38

%

 

 

 

 

 

 

 

 

2)

 

Collections of Principal Receivables and Principal Payment Rate

 

$

5,353,952,776.49

 

15.05

%

 

 

 

 

 

 

 

 

 

 

3)

Prior Month Billed Finance Charges and Fees

 

$

426,955,477.06

 

 

 

 

 

4)

Amortized AMF Income

 

$

44,654,818.43

 

 

 

 

 

5)

Interchange Collected

 

$

92,837,989.48

 

 

 

 

 

6)

Recoveries of Charged Off Accounts

 

$

54,076,435.65

 

 

 

 

 

7)

Collections of Discounted Receivables

 

$

0.00

 

 

 

 

 

 

 

 

 

 

 

 

 

 

8)

Collections of Finance Charge Receivables and Annualized Yield

 

$

618,524,720.62

 

20.86

%

 

Capital One Master Trust (AMF COLLECTIONS)

MONTHLY PERIOD: December 2004

 

1)

Beginning Unamortized AMF Balance

 

 

 

$

243,224,610.54

 

 

2)

+ AMF Slug

 

$

0.00

 

 

 

 

3)

+ AMF Collections

 

$

38,257,455.03

 

 

 

 

4)

- Amortized AMF Income

 

$

44,654,818.43

 

 

 

5)

Ending Unamortized AMF Balance

 

 

 

$

236,827,247.14

 

 

**Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables