EX-99.1 2 copar2022-2exx991xaugust20.htm EX-99.1 Document

Exhibit 99.1

CAPITAL ONE PRIME AUTO RECEIVABLES TRUST 2022-2
Statement to Securityholders
Determination Date: September 10, 2025
Payment Date9/15/2025
Collection Period Start8/1/2025
Collection Period End8/31/2025
Interest Period Start8/15/2025
Interest Period End9/14/2025
Cut-Off Date Net Pool Balance$2,066,663,591.84 
Cut-Off Date Adjusted Pool Balance$1,899,113,714.12 


I. DEAL SUMMARY
Beginning Note
Balance		Principal PaymentEnding Note BalanceNote FactorFinal Scheduled Payment Date
Class A-1 Notes$— $— $— —Aug-23
Class A-2a Notes$— $— $— —Sep-25
Class A-2b Notes$— $— $— —Sep-25
Class A-3 Notes$187,071,409.09 $26,627,317.10 $160,444,091.99 0.253948May-27
Class A-4 Notes$160,110,000.00 $— $160,110,000.00 1.000000Dec-27
Class B Notes$19,000,000.00 $— $19,000,000.00 1.000000Jan-28
Class C Notes$19,000,000.00 $— $19,000,000.00 1.000000Feb-28
Class D Notes$19,000,000.00 $— $19,000,000.00 1.000000Nov-28
Total Notes$404,181,409.09 $26,627,317.10 $377,554,091.99 
Beginning BalanceEnding BalancePool Factor
Net Pool Balance$437,673,328.27 $408,868,313.47 0.197840
YSOC Amount$28,744,134.89 $26,566,437.19 
Adjusted Pool Balance$408,929,193.38 $382,301,876.28 
Overcollateralization Amount (Adjusted Pool Balance - Note Balance)$4,747,784.29 $4,747,784.29 
Reserve Account Balance$4,747,784.29 $4,747,784.29 
Beginning Note
Balance		Interest RateAccrual MethodologyInterest Payment
Class A-1 Notes$— 2.87200%ACT/360$— 
Class A-2a Notes$— 3.74000%30/360$— 
Class A-2b Notes$— 4.99270%ACT/360$— 
Class A-3 Notes$187,071,409.09 3.66000%30/360$570,567.80 
Class A-4 Notes$160,110,000.00 3.69000%30/360$492,338.25 
Class B Notes$19,000,000.00 4.27000%30/360$67,608.33 
Class C Notes$19,000,000.00 4.67000%30/360$73,941.67 
Class D Notes$19,000,000.00 5.40000%30/360$85,500.00 
Total Notes$404,181,409.09 $1,289,956.05 








II. COLLATERAL POOL BALANCE
Beginning of PeriodEnd of Period
Net Pool Balance$437,673,328.27 $408,868,313.47 
Adjusted Pool Balance (Net Pool Balance - YSOC Amount)$408,929,193.38 $382,301,876.28 
Number of Receivables Outstanding46,106 44,804 
Weighted Average Contract Rate3.58 %3.58 %
Weighted Average Remaining Term (months)25.2 24.3 


III. FUNDS AVAILABLE FOR DISTRIBUTION
Available Funds:
a. Collections
Interest Collections$1,312,633.03 
Principal Collections$28,415,475.44 
Liquidation Proceeds$237,082.86 
b. Repurchase Price$— 
c. Optional Purchase Price$— 
d. Reserve Account Excess Amount$— 
Total Available Funds$29,965,191.33 
Reserve Account Draw Amount$— 
Total Funds Available for Distribution$29,965,191.33 


IV. DISTRIBUTION
Calculated AmountAmount PaidShortfallCarryover ShortfallRemaining Available Funds
Servicing Fee$364,727.77 $364,727.77 $— $— $29,600,463.56 
Interest - Class A-1 Notes$— $— $— $— $29,600,463.56 
Interest - Class A-2a Notes$— $— $— $— $29,600,463.56 
Interest - Class A-2b Notes$— $— $— $— $29,600,463.56 
Interest - Class A-3 Notes$570,567.80 $570,567.80 $— $— $29,029,895.76 
Interest - Class A-4 Notes$492,338.25 $492,338.25 $— $— $28,537,557.51 
First Allocation of Principal$— $— $— $— $28,537,557.51 
Interest - Class B Notes$67,608.33 $67,608.33 $— $— $28,469,949.18 
Second Allocation of Principal$— $— $— $— $28,469,949.18 
Interest - Class C Notes$73,941.67 $73,941.67 $— $— $28,396,007.51 
Third Allocation of Principal$2,879,532.81 $2,879,532.81 $— $— $25,516,474.70 
Interest - Class D Notes$85,500.00 $85,500.00 $— $— $25,430,974.70 
Fourth Allocation of Principal$19,000,000.00 $19,000,000.00 $— $— $6,430,974.70 
Reserve Account Deposit Amount$— $— $— $— $6,430,974.70 
Regular Principal Distribution Amount$4,747,784.29 $4,747,784.29 $— $— $1,683,190.41 
Owner Trustee, Indenture Trustee, and ARR Fees & Expenses$— $— $— $— $1,683,190.41 
Remaining Funds to Certificates$1,683,190.41 $1,683,190.41 $— $— $— 
Total$29,965,191.33 $29,965,191.33 $— $— 





V. OVERCOLLATERALIZATION INFORMATION
Yield Supplement Overcollateralization Amount:
Beginning Period YSOC Amount$28,744,134.89 
Increase/(Decrease)$(2,177,697.70)
Ending YSOC Amount$26,566,437.19 
Overcollateralization:Beginning of PeriodEnd of Period
Adjusted Pool Balance$408,929,193.38 $382,301,876.28 
Note Balance$404,181,409.09 $377,554,091.99 
Overcollateralization (Adjusted Pool Balance - Note Balance)$4,747,784.29 $4,747,784.29 
Target Overcollateralization Amount$4,747,784.29 $4,747,784.29 
Overcollateralization Shortfall$— $— 


VI. RESERVE ACCOUNT
Specified Reserve Account Balance$4,747,784.29 
Beginning Reserve Account Balance$4,747,784.29 
Reserve Account Deposit Amount$— 
Reserve Account Draw Amount$— 
Reserve Account Excess Amount$— 
Ending Reserve Account Balance$4,747,784.29 





VII. NET LOSS AND DELINQUENT RECEIVABLES
Net Loss:% of EOP Net Pool Balance# of ReceivablesAmount
Defaulted Receivables during Collection Period (Principal Balance)1
0.10%37$389,539.36 
Liquidation Proceeds of Defaulted Receivables2
0.06%247$237,082.86 
Monthly Net Losses (Liquidation Proceeds)$152,456.50 
Net Losses as % of Average Pool Balance (annualized)
        Third Preceding Collection Period0.09 %
        Second Preceding Collection Period0.03 %
        Preceding Collection Period0.03 %
        Current Collection Period0.43 %
        Four-Month Average Net Loss Ratio0.15 %
Cumulative Net Losses for All Periods$6,136,308.41 
Cumulative Net Loss Ratio0.30 %
1 The # of Receivables reported as Defaulted does not include any Receivables that have been paid off or have matured and were either paid in full or had a remaining balance of $10.00 or less following the final payment.
2 Liquidation Proceeds include all proceeds on a receivable after it has been charged-off.
Delinquent Receivables:% of EOP Net Pool Balance# of ReceivablesPrincipal Balance
30-59 Days Delinquent0.57%182$2,347,598.34 
60-89 Days Delinquent0.19%61$794,637.21 
90-119 Days Delinquent0.05%14$215,507.36 
120+ Days Delinquent0.00%0$— 
Total Delinquent Receivables0.82%257$3,357,742.91 
Repossession Inventory:# of ReceivablesPrincipal Balance
Repossessed in the Current Collection Period18$301,662.02 
Total Repossessed Inventory28$506,659.12 
60+ Delinquency Percentage:# of ReceivablesAmount
60+ Day Delinquent Receivables75$1,010,144.57 
60+ Delinquencies as % of EOP Net Pool Balance
        Third Preceding Collection Period0.29 %
        Second Preceding Collection Period0.30 %
        Preceding Collection Period0.27 %
        Current Collection Period0.25 %
Delinquency Trigger4.50 %
Current Delinquency Percentage Exceeds Delinquency Trigger? (Yes/No)No


VIII. TEMPORARY FORBEARANCE
The table below presents accounts which received a short-term payment extension in the month of August 2025.
Month-End Balance# of Receivables
($MM)(%)(#)(%)
Total Extensions0.710.17%490.11%