8-K 1 d8k.txt FORM 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K -------- Current Report Pursuant to Section 13 or 15(D) of the Securities Exchange Act of 1934 Date Of Report (Date Of Earliest Event Reported) August 23, 2001 CAPITAL ONE AUTO RECEIVABLES, LLC/CAPITAL ONE FINANCE TRUST 2001-A (Exact Name of Registrant as Specified in its Charter) Delaware (State or Other Jurisdiction of Incorporation) 333-54736-01 (Commission File Number) 31-175007 (Registrant's I.R.S. Employer Identification No.) 2980 Fairview Park Drive, Falls Church, Virginia 22042 (Address of Principal Executive Offices) (Zip Code) (703) 875-1000 (Registrant's Telephone Number, Including Area Code) Not Applicable (Former Name or Former Address, if Changed Since Last Report) Item 5. Other Events. In the Prospectus Supplement dated July 10, 2001, issued under Registration Statement No. 333-54736-01, the Registrant stated that, following the end of the Funding Period, it would file a report on Form 8-K containing information comparable to that contained in the tables set forth therein regarding the characteristics of the Receivables Pool of Capital One Auto Finance Trust 2001-A upon completion of the Funding Period. Following below is such information: CAPITAL ONE AUTO FINANCE Total Portfolio Proforma Pool Cut Total Loans Contributed as of 07/24/2001 and 08/21/2001 Composition of the Receivables Pool

~~----------------------------------------------~~Aggregate ~~--------------------------------------------------------------------------~~Number ~~MONTHLY~~of ~~PERIOD~~Principal ~~BEGINNING:~~Receivables ~~12/1/01~~in ~~ORIGINAL~~Average ~~MONTHLY~~Receivables ~~PERIOD~~Balance ~~ENDING:~~Pool ~~12/31/01~~Balance ~~PURCHASES UNITS CUT~~-~~OFF DATE CLOSING DATE POOL BALANCE~~ -------- --------------- -------------------~~--------------------------------~~ ~~PREV. DISTRIBUTION/CLOSE DATE: 12/17/01 INITIAL PURCHASE 52,772 7/26/01~~ $~~815~~928,~~094~~961,~~313 DISTRIBUTION DATE: 1/15/02 SUB~~357.57 PURCHASE #1 6,974 8/24/01 113,867,436 DAYS OF INTEREST FOR PERIOD: 29 SUB. PURCHASE #2 0 DAYS IN COLLECTION PERIOD: 31 --------------------------------------------------------- MONTHS SEASONED: 5 TOTAL 59,746 $~~928~~15,961,749 ---------------------------------------------- -------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------------------- I548.51 ~~MONTHLY~~Minimum ~~PERIOD~~Remaining ~~RECEIVABLES~~Term ~~PRINCIPAL~~6 ~~BALANCE~~Minimum ~~CALCULATION:~~Original ~~---------------------------------------------------------------------------------------------------------------------------------~~Term ~~{1}~~24 ~~Beginning~~Maximum ofRemaining ~~period~~Term ~~Aggregate~~72 ~~Principal~~Maximum ~~Balance~~Original ~~{1}~~Term ~~$855,458,738.61~~72 ~~-------------------~~Weighted ~~{2}~~Average ~~Purchase of Subsequent Receivables {2} 0~~Rem.00 ~~-------------------~~Term ~~Monthly Principal Amounts {3} Regular Principal Received {3} 9,422,148~~61.1822 ~~------------------~~Weighted ~~{4}~~Average ~~Prepaid~~Original ~~Principal~~Term ~~Received {4} 4,421,412~~64.0674 ~~------------------~~Minimum ~~{5}~~APR ~~Defaulted Receivables Deposit Amount {5} 3,579,789~~8.9225% ~~------------------~~Maximum ~~{6}~~APR ~~Principal Portion of Repurchased Receivables {6} 20,615~~28.4795% ~~------------------~~Minimum ~~{7}~~Loan ~~Cram~~Balance ~~Down Losses and Other Non-Cash Adjustments {7} 5~~$3,~~632~~004.2705 ~~------------------~~Weighted ~~{8}~~Average ~~Total~~APR ~~Monthly Principal Amounts {8}~~ 17~~,449,597~~.9037% ~~-------------------~~Maximum ~~{9}~~Loan ~~End of period Aggregate Receivable~~ Balance ~~{9}~~ $~~838~~39,~~009,140~~980.7107 ~~===================~~Average ~~{10}~~Loan ~~Pool Factor ( {9} / Original Pool~~ Balance) ~~{10} 0~~$15,548.9021 -------------------------------------------------------------------------------------------------------------------------- II. MONTHLY PERIOD NOTE BALANCE CALCULATION: --------------------------------------------------------------------------------------------------------------------------51

Geographic Distribution of the Receivables by State

~~-----------------------------------------------------------------------------------------------~~Number ~~CLASS~~of ~~A-1~~Aggregate ~~CLASS~~Principal ~~A-2~~Percentage ~~CLASS~~of ~~A-3~~State ~~CLASS~~Receivables ~~A-4~~Balance ~~CLASS~~Balance ~~B TOTAL~~ ----- ---- --------- --------- ---------- ------- ------ ~~{11}~~AK ~~Original~~3 ~~Note~~$ ~~Balance~~12,784.09 ~~{11}~~0.00% ~~$126,500,000~~AL ~~$234,500,000~~3444 $~~241~~ 49,~~500~~407,~~000~~410.10 5.32% AR 977 $~~247~~ 15,~~500~~051,~~000~~985.95 1.62% AZ 1318 $60 21,~~382~~152,~~514~~339.22 2.28% CA 4172 $~~910~~ 71,~~382~~512,~~514~~052.47 ~~-----------------------------------------------------------------------------------------------~~7.70% ~~{12}~~CT ~~Beginning~~18 of$ ~~period~~309,930.90 ~~Note~~0.03% ~~Balance~~CO ~~{12}~~889 ~~59,244,746~~$ ~~234~~14,~~500~~166,~~000~~655.14 ~~241,500,000~~1.52% ~~247,500,000~~DC ~~29,941,056~~163 $~~812~~ 2,~~685~~649,~~802~~218.30 ~~-----------------------------------------------------------------------------------------------~~0.29% ~~{13}~~DE ~~Noteholders'~~124 ~~Principal~~$ ~~Distributable Amount {13} 15~~1,~~966~~689,~~382~~779.80 0.18% 0FL 04958 ~~1,134,224~~$ 1778,~~100~~441,~~606~~617.58 ~~{14}~~8.44% ~~Noteholders'~~GA ~~Accelerated~~5148 ~~Principal~~$ ~~Amount~~79,755,752.69 ~~{14}~~8.59% 0HI 06 0$ 080,791.96 0.01% 0IA ~~{15}~~51 ~~Optional~~$ ~~Note~~675,231.70 ~~Redemption~~0.07% ~~Principal~~ID ~~Amount~~42 ~~{15}~~$ 0591,258.62 0.06% 0IL 02060 0$ 032,918,302.27 ~~-----------------------------------------------------------------------------------------------~~3.54% ~~{16}~~IN ~~End~~1064 of$ ~~period~~15,294,535.94 ~~Note~~1.65% ~~Balance~~KS ~~{16}~~250 ~~43,278,364~~$ ~~234~~3,~~500~~814,~~000~~998.23 ~~241,500,000~~0.41% ~~247,500,000~~KY 28533 $ 7,~~806~~390,~~832~~673.17 0.80% LA 180 $~~795~~ 2,~~585~~736,~~196~~470.77 ~~===============================================================================================~~0.29% ~~{17}~~MA ~~Note~~12 ~~Pool~~$ ~~Factors~~160,987.57 (0.02% ~~{16}~~MD /2032 ~~{11}~~$ )33,686,666.69 ~~{17}~~3.63% 0ME 2 $ 30,309.~~3421~~40 010.~~0000~~00% 1MI 1362 $ 21,123,336.~~0000~~52 12.~~0000~~27% 0MN 352 $ 5,136,029.~~4771~~38 0.~~8739 ===============================================================================================~~55%

MO 1021 $ 15,407,449.83 1.66% MS 1825 $ 27,848,638.40 3.00% MT 0 $ - 0.00% NC 3006 $ 46,445,781.22 5.00% ND 6 $ 89,410.07 0.01% NE 35 $ 507,271.40 0.05% NH 4 $ 39,576.44 0.00% NM 702 $ 10,660,932.30 1.15% NV 584 $ 9,355,633.40 1.01% NJ 1674 $ 26,300,528.52 2.83% NY 1534 $ 22,524,761.08 2.42% OH 1869 $ 26,729,332.47 2.88% OK 1498 $ 20,807,455.06 2.24% OR 13 $ 204,060.75 0.02% PA 0 $ - 0.00% RI 4 $ 64,540.99 0.01% SC 1674 $ 24,793,216.91 2.67% SD 19 $ 267,310.51 0.03% TN 2860 $ 41,797,068.55 4.50% TX 8872 $ 146,135,358.71 15.73% UT 422 $ 6,387,534.03 0.69% VA 2240 $ 33,716,433.12 3.63% VT 2 $ 30,764.98 0.00% WA 450 $ 7,158,875.13 0.77% WI 18 $ 239,490.84 0.03% WV 240 $ 3,454,569.99 0.37% WY 11 $ 175,463.47 0.02% MT 3 $ 30,780.94 0.00% Total 59,746 $ 928,961,357.57 100.00%

Distribution of the Receivables by Contract Rate

Percentage of Annual Percentage Number of Aggregate Principal Aggregate Principal Rate Range Receivables Balance Balance ----------------- ----------- ------------------- ------------------- 8.00% - 8.99% 227 $4,002,220.06 0.43% 9.00% - 9.99% 259 $4,825,344.94 0.52% 10.00% - 10.99% 948 $16,422,602.95 1.77% 11.00% - 11.99% 1586 $27,378,682.80 2.95% 12.00% - 12.99% 2214 $39,373,688.74 4.24% 13.00% - 13.99% 2645 $46,641,675.55 5.02% 14.00% -~~----------------------------------------------------------~~ ~~III~~14.99% ~~RECONCILIATION~~2720 OF$45,947,125.58 ~~PRE~~4.95% 15.00% -~~FUNDING~~ ~~ACCOUNT:~~15.99% 3905 $64,513,341.02 6.94% 16.00% -~~----------------------------------------------------------------------------------------------------------------------------------~~ ~~{18}~~16.99% ~~Beginning~~7600 of$127,682,712.33 ~~period~~13.74% ~~Pre~~17.00% -~~Funding~~ ~~Account~~17.99% ~~balance~~16571 {$260,303,957.32 28.02% 18}.00% - 18.99% 7142 $0106,384,315.93 11.45% 19.00% -~~------------------~~ {19}.99% ~~Purchase~~5941 of$82,608,129.51 ~~Subsequent~~8.89% ~~Receivables~~20.00% ~~{19}~~- 020.99% 3664 $50,279,121.10 5.41% 21.00% - 21.99% 1208 $13,756,951.42 1.48% 22.00% -~~----------------~~ ~~{20}~~22.99% ~~Investment~~1840 ~~Earnings~~$24,555,505.73 ~~{20}~~2.64% 023.00% -~~-----------------~~ ~~{21}~~23.99% ~~Investment~~524 ~~Earnings~~$5,739,055.24 ~~Transfer~~0.62% to24.00% ~~Collections~~- ~~Account~~24.99% ~~{21}~~718 $8,222,200.65 0.89% 25.00% -~~-----------------~~ ~~{22}~~25.99% ~~Payment~~32 of$305,174.91 ~~Mandatory~~0.03% ~~Prepayment~~26.00% ~~Amount~~- ~~{22}~~26.99% 0 $0.00 0.00% 27.00% -~~-----------------~~ ~~{23}~~27.99% ~~End~~1 of$10,894.47 ~~period~~0.00% ~~Pre~~28.00% -~~Funding~~ ~~Account~~28.99% ~~balance~~1 ~~{23}~~$8,657.32 0.00% 29.00% - 29.99% 0 $0.00 0.00% 30.00% -~~------------------~~ 30.99% 0 $0.00 0.00% Total 59,746 $928,961,357.57 100.00%

Distribution of Receivables by Model Year

~~--------------------------------------------------------------------------------------------------------------------------~~Model ~~IV.~~Year ~~RECONCILIATION~~of OFNumber ~~COLLECTION~~of ~~ACCOUNT:~~Aggregate ~~--------------------------------------------------------------------------------------------------------------------------~~Percentage ~~AVAILABLE~~of ~~FUNDS:~~Aggregate ~~{24}~~Financed ~~Scheduled~~Vehicles ~~and~~Receivables ~~Prepayment~~ Principal ~~Cash~~Balance ~~Received~~Principal ~~{24}~~Balance ~~13,843,560.24~~ ---------------- ~~{25} Liquidation Proceeds Collected during period {25} 1,246,907.13~~ -~~---------------~~ ~~{26} Receivables Repurchase Amounts {26} 20,615.47~~ -----------~~-----~~ ~~{27} Interest and Fees Collected on Receivables {27} 11,812,749.52~~ ---------------- ~~{28} Recoveries on Previously Defaulted Receivables {28} 54,178.80~~ -~~---------------~~ ~~{29} Advances from the Reserve Fund {29} 0.00~~ ---------------- ~~Investment Earnings on Trust Accounts {30} Collection Account {30} 35,316.32~~ -------~~---------~~ ~~{31}~~1990 ~~Transfer~~0 ~~from Reserve Fund {31} 15,816.30 ---------------- {32} Transfer from Pre-Funding Account {32}~~ $0.00 ~~---------------- {33} Optional Note Redemption Prepayment Amount {33}~~ 0.00% ~~----------------~~1991 ~~{34}~~1 ~~Total Available Funds {34} 27~~$3,~~029,143~~589.7814 ~~-------------- DISTRIBUTIONS: {35} Trustees' Fees {35}~~ 0.00% ~~----------------~~1992 ~~{36}~~7 ~~Servicing Fees {36} 2~~$31,~~022,213~~090.4373 ~~----------------~~0.00% ~~Class~~1993 A44 Noteholders' Note Interest -------------------------------------------------------------------------------------- BEGINNING INTEREST CALCULATED CLASS NOTE BALANCE RATE DAYS DAYS BASIS INTEREST -------------------------------------------------------------------------------------- {37} A-1 $59201,~~244,746~~873.80 30.~~75000~~02% 291994 ~~Actual~~230 ~~days/360~~ $~~178~~1,~~969 {37} 178~~231,~~968~~276.5067 ~~----------------~~0.13% ~~{38}~~1995 ~~A-2~~770 $~~234~~5,~~500~~893,~~000~~754.74 40.~~14000~~63% 301996 ~~30/360~~2344 $~~809~~24,~~025 {38} 809~~435,~~025~~292.0040 ~~---------------- {39} A-3 $241,500,000 4~~2.~~83000~~63% 301997 ~~30/360~~5889 $~~972~~75,~~038 {39} 972~~097,~~037~~654.5051 ~~---------------- {40} A-4 $247,500,000 5~~8.~~40000~~08% 301998 ~~30/360~~11612 $1167,~~113~~229,~~750 {40} 1,113,750~~923.0094 ~~-------------------------------------------------------------------------------------- ---------------- {41} Note Insurer Premiums {41} 195,686~~18.~~19 ---------------- {42} Reimbursement Obligations due Note Insurer {42} 0.~~00% ~~----------------~~1999 ~~Class~~9881 B Noteholders' Primary Note Interest ------------------------------------------------------------------------------------- BEGINNING INTEREST CALCULATED CLASS NOTE BALANCE RATE DAYS DAYS BASIS INTEREST ------------------------------------------------------------------------------------- {43} Class B $29149,~~941~~061,~~056~~644.87 716.~~92000~~05% 302000 ~~30/360~~14842 $~~197~~235,~~611 {43} 197~~567,~~610~~522.9711 ~~------------------------------------------------------------------------------------- ------------- {44} Class A Noteholders' Principal Payment Amount {44} 15,966,382~~25.0836% ~~-------------~~2001 ~~{45}~~13936 ~~Accrued and Unpaid Premium and Reimbursement Obligations~~$266, ~~due Note Insurer {45} 0.00 ------------- {46} Deposit to Reserve Account~~060, ~~to Required Level {46} 0~~131.0036 ~~------------- {47} Class A Noteholder's Accelerated Principal Amount (if in an event of default under the indenture or, under certain circumstances, an insurance agreement event of default {47} 0~~28.0064% ~~-------------~~2002 ~~{48}~~190 ~~Class B Noteholders' Principal Payment Amount {48} 1~~$4,~~134~~147,~~223~~603.8630 ~~------------- {49} Class B Noteholder's Accelerated Principal Amount {49}~~ 0.0045% ~~-------------~~Total {50} Optional Note Redemption Amount {50} 0.00 ------------- {51} Other Amounts Due to the Trustees {51} 0.00 ------------- {52} Servicer Transition Expenses {52} 0.00 ------------- {53} Indenture Trustee Title Expenses {53} 0.00 ------------- {54} Class B Excess Interest {54} 0.00 ------------- {55} Distribution to the equity certificate holder {55} 459,~~439,246.25~~746 ~~------------- {56} Total Distributions {56} 27~~$928,~~029~~961,~~143~~357.7857 ~~===============~~100.00%

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. February 13, 2002 CAPITAL ONE AUTO RECEIVABLES, LLC By: /s/ Jeffery Elswick ------------------------------ Name: Jeffery Elswick Title: President

------------------------------------------------------------------------------------------------------------------------------- V. RECONCILIATION OF RESERVE ACCOUNT: ------------------------------------------------------------------------------------------------------------------------------- {57} BEGINNING OF PERIOD RESERVE ACCOUNT BALANCE {57} $9,103,825.14 ------------------- DEPOSITS TO RESERVE ACCOUNT {58} Investment Earnings {58} 15,816.30 ------------------ {59} Deposits Related to Subsequent Receivables Purchases {59} - ------------------ {60} Total Additions {60} $15,816.30 ------------------- PRIORITY WITHDRAWALS FROM RESERVE ACCOUNT {61} Transfer of Investment Earnings to Collection Account {61} (15,816.30) ------------------ {62} Advances to Collection Account - Priority (1) through (7) {62} - ------------------ {63} Total Priority Withdrawals {63} ($15,816.30) ------------------- {64} RESERVE ACCOUNT SUBTOTAL {64} $9,103,825.14 ------------------- {65} Reserve Account Requirement {65} 9,103,825.14 ------------------ {66} Reserve Account Shortfall / Excess {66} 0.00 ------------------ {67} DEPOSIT TO RESERVE FUND, TO REQUIRED LEVEL {67} $0.00 ------------------- {68} Reserve Account Primary Balance {68} $9,103,825.14 ------------------- SUBORDINATE WITHDRAWALS FROM RESERVE ACCOUNT {69} Advances to Collection Account - Priority (10), (16) and (17) (limited to excess amounts on deposit) {69} - ------------------ {70} Advances to Collection Account - Priority (12) through (15) {70} - ------------------ {71} Return of Excess to Equity Certificate Holder {71} - ------------------ {72} Total Subordinate Withdrawals {72} - ------------------- {73} END OF PERIOD RESERVE ACCOUNT BALANCE {73} 9,103,825.14 ===================

--------------------------------------------------------------------------------------------------------------------------------- VI. CALCULATION OF RESERVE ACCOUNT REQUIREMENT --------------------------------------------------------------------------------------------------------------------------------- IF PRIOR TO ACCELERATED RESERVE FUND EVENT: Lesser of: {74} (1)Ending Aggregate Note Balance {74} 795,585,195.74 -------------- -or-- {75} (2)1.0% of 98% of Original Receivable Balance {75} 9,103,825.14 ------------- {76} REQUIREMENT {76} 9,103,825.14 ------------- CELERATED RESERVE FUND EVENT: Lesser of: {77} (1)Ending Aggregate Note Balance {77} 795,585,195.74 -------------- -or-- (2)Greater of: {78} (a) 3.0% of 98% of Original Receivable Balance {78} 27,311,475.41 ------------- {79} -or-- {79} 45,086,567.79 ------------- {80} (b) 6.0% of 98% of Current Outstanding Class A Note Principal Balance {80} 45,086,567.79 ------------- {81} REQUIREMENT {81} 45,086,567.79 ----------------

----------------------------------------------------------------------------------------------------------------------------------- VII.LATION OF PRINCIPAL PAYMENT AMOUNTS ----------------------------------------------------------------------------------------------------------------------------------- {82} Principal Collections {82} 17,449,597.90 ------------------ {83} End of Period Aggregate Receivables Balance {83} 838,009,140.71 ------------------ {84} Required O/C Margin (as Specified in Trust Indenture) {84} 16,760,182.81 ------------------ {85} Required Maximum Ending Aggregate Class A Principal Balance (line {83} - {84}) {85} 821,248,957.90 ------------------ {86} Class A Aggregate Oustanding Principal Balance (Start of Period) {86} 782,744,745.83 ------------------ Less: {87} Allocable to Class A Notes (line {82} X 91.5%) {87} 15,966,382.08 ------------------ {88} Preliminary Class A Ending Balance {88} 766,778,363.75 ------------------ {89} Payment Amount Necessary to Reduce Class A Balance to Required Level (line {88}-{85} {89} 0.00 ------------------ {90} Class A Principal Payment Amount (line {87} + {89}) {90} 15,966,382.08 ------------------- {91} Class B Principal Payment Amount (line {82} X 6.5%) {91} 1,134,223.86 ------------------- -----------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------ I. MONTHLY PERIOD NOTE BALANCE CALCULATION: CLASS A-1 CLASS A-2 CLASS A-3 CLASS A-4 CLASS B TOTAL --------- --------- --------- --------- ------- ----- {1} Original Note Balance {1} $126,500,000 $234,500,000 $241,500,000 $247,500,000 $60,382,514 $910,382,514 ------------------------------------------------------------------------------------------------------------------------------------ {2} Beginning of period Note Balance {2} $59,244,746 $234,500,000 $241,500,000 $247,500,000 $29,941,056 $812,685,802 {3} End of period Note Balance {3} $43,278,364 $234,500,000 $241,500,000 $247,500,000 $28,806,832 $795,585,196 ================================================================================== {4} Note Pool Factors {3} / {1} {4} 0.342 1.000 1.000 1.000 0.477 0.874 ==================================================================================

-------------------------------------------------------------------------------------------------------------------------------- II. MONTHLY PERIOD AND CUMULATIVE NUMBER OF RECEIVABLES CALCULATION: -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------- CUMULATIVE PERIOD ---------------------------------------- {5} Beginning number of Receivables {5} 0 57,298 {6} Number of Subsequent Receivables Purchased {6} 6,974 0 {7} Number of Receivables Defaulted during period {7} 590 256 {8} Number of Receivables becoming Purchased Receivables during period {8} 707 1 {9} Number of Receivables paid off during period {9} 1,761 353 ---------------------------------------- {10} Ending number of Receivables {10} 56,688 56,688 ----------------------------------------

---------------------------------------------------------------------------------------------------------------------------------- III. STATISTICAL DATA: (CURRENT AND HISTORICAL) ---------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------- ORIGINAL PREV. MONTH CURRENT ---------------------------------------------------------- {11} Weighted Average APR of the Receivables {11} 17.37% 17.38% 17.38% {12} Weighted Average Remaining Term of the Receivables {12} 61.22 57.88 57.03 {13} Weighted Average Original Term of Receivables {13} 64.74 64.74 64.74 {14} Average Receivable Balance {14} $15,549 $14,913 $14,758 ---------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------------- IV. DELINQUENCY: ----------------------------------------------------------------------------------------------------------------------------------

----------------------------------------------------------- Receivables with Scheduled Payment delinquent UNITS DOLLARS PERCENTAGE ----------------------------------------------------------- {15} 31-60 days {15} 3,629 54,366,849 6.36% {16} 61-90 days {16} 1,059 15,800,357 1.85% {17} 91-120 days {17} 243 3,556,975 0.42% ----------------------------------------------------------- {18} Receivables with Scheduled Payment delinquent more than 60 days at end of period {18} 1,302 $19,357,332 2.26% -----------------------------------------------------------

---------------------------------------------------------------------------------------------------------------------------------- V. PERFORMANCE TESTS: ---------------------------------------------------------------------------------------------------------------------------------- DELINQUENCY RATIO {19} Receivables with Scheduled Payment delinquent more than 60 days at end of period ( line {18}) {19} $19,357,332 ------------------ {20} Beginning of period Principal Balance {20} 855,458,739 ------------------ {21} Delinquency Ratio {16} + {17} divided by {20} {21} 2.26% ------------ {22} Previous Monthly Period Delinquency Ratio {22} 1.65% ------------ {23} Second previous Monthly Period Delinquency Ratio {23} 1.10% ------------ {24} Average Delinquency Ratio ({21} + {22} + {23}) / 3 {24} 1.67% ------------

Filing Compare · CAPITAL ONE AUTO FINANCE TRUST 2001-A