Beruflich Dokumente
Kultur Dokumente
CAPTAO DE RECURSOS
Financiamento
Capital Prprio
2,700,000
5,000,000
ATIVO
CIRCULANTE
Caixa
Depreciao
n.a.
4%
10%
n.a.
20%
NO CIRCULANTE
Terreno
Imvel
Mveis e Utenslios
Software
Ativo Diferido
TOTAL ATIVO
Depreciao mensal
Depreciao mensal
Amortizao mensal
www.financasfacil.com
127,000
127,000
7,573,000
1,900,000
3,560,000
1,800,000
40,000
273,000
7,700,000
11,867
15,000
4,550
PASSIVO
CIRCULANTE
NO CIRCULANTE
Financiamento
2,700,000
2,700,000
PATRIMNIO LQUIDO
Capital Social
5,000,000
5,000,000
TOTAL PASSIVO + PL
7,700,000
Jan-11
RECEITAS S/ VENDAS
Receita Bruta Hospedagem
Receita Bruta Lavanderia
Receita Bruta SPA
Receita Bruta A&B
543,168
456,000
13,680
10,488
63,000
(84,961)
% Rec. Bruta
ICMS
ISS
PIS
COFINS
15.6%
17%
5%
1.65%
7.60%
s/ Rec. de Mercadoria
s/ Rec. de Servios
s/ Receita Bruta Total
s/ Receita Bruta Total
(10,710)
(24,008)
(8,962)
(41,281)
( = ) RECEITA LQUIDA
458,207
( - ) CUSTOS VARIVEIS
(52,613)
% Rec. Lquida
Custo de Hospedagem
Custo de Lavanderia
Custo de SPA
Custo de A&B
11.5%
1%
75%
60%
50%
( = ) MARGEM BRUTA
405,594
% Rec. Lquida
88.5%
(197,209)
% Rec. Lquida
Salrios
13 Salrio
Frias
1/3 s/ Frias
INSS - Empresa
FGTS
Outras Contribuies
Vale Transporte
Vale Alimentao
( - ) UTILIDADES E SERVIOS
% Rec. Lquida
gua
Luz
(4,560)
(10,260)
(6,293)
(31,500)
43.0%
8.33%
8.33%
33.33%
20%
8%
5%
s/ Salrios
s/ Salrios
s/ Frias
s/ Salrios
s/ Salrios
s/ Salrios
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(8,709)
1.9%
(2,365)
(2,987)
Gs
Telefone
( - ) ALUGUEL
% Rec. Lquida
Aluguel do Imvel
( - ) TAXAS/ CONTRIBUIES
% Rec. Lquida
Proviso p/ IPTU
Condomnio
Outras Taxas
( - ) SERVIOS DE TERCEIROS
% Rec. Lquida
Paisagismo
Suporte de Informtica
Contabilidade
Consultoria
( - ) DESPESAS ADMINISTRATIVAS
% Rec. Lquida
Material de Escritrio
Outras Despesas
( - ) MARKETING / VENDAS / RESERVAS
% Rec. Lquida
Feiras e Eventos
Representaes
Comisses
( - ) DEPRECIAO E AMORTIZAO
(270)
(3,087)
0.0%
(50,500)
11.0%
(49,500)
(1,000)
(4,082)
0.9%
(967)
(1,023)
(1,136)
(956)
(1,892)
0.4%
(1,051)
(841)
(6,152)
1.3%
(1,151)
(441)
(4,560)
(31,500)
% Rec. Lquida
6.9%
Depreciao
Amortizao
(26,950)
(4,550)
( - ) DESPESAS FINANCEIRAS
Juros
105,550
23.0%
105,550
(21,054)
% LAIR
Imposto de Renda
Contribuio Social
19.9%
( = ) LUCRO LQUIDO
(11,555)
(9,499)
84,495
% Rec. Lquida
18.4%
84,495
( + ) Depreciao e Amortizao
( - ) Novos Investimentos em Ativo Permanente
( + ) Captao de Emprstimo
( - ) Amortizao da Dvida
(+/-) Investimento em Capital de Giro
31,500
(10,000)
(84,120)
21,875
Jan-11
25
30
Folha de Pagamento
Salrios a Pagar
Gastos com Pessoal
30
20
30
dias
438,039
543,168
dias
30,484
31,500
dias
190,847
197,209
dias
79,966
123,948
dias
113,588
106,016
Check
ATIVO
INICIAL
Jan-11
CIRCULANTE
Caixa
Contas a Receber
Estoque
127,000
127,000
617,398
148,875
438,039
30,484
NO CIRCULANTE
7,573,000
7,551,500
Terreno
Imvel
Mveis e Utenslios
Software
Ativo Diferido
Novos Investimentos
1,900,000
3,560,000
1,800,000
40,000
273,000
1,900,000
3,560,000
1,800,000
40,000
273,000
10,000
0.83%
7,700,000
INICIAL
CIRCULANTE
Salrios a Pagar
Contas a Pagar
Impostos a Recolher
(26,867)
(4,550)
(83)
8,168,898
Jan-11
384,402
190,847
79,966
113,588
NO CIRCULANTE
2,700,000
2,700,000
Financiamento
2,700,000
2,700,000
PATRIMNIO LQUIDO
INICIAL
Jan-11
Capital Social
Lucro Acumulado
5,000,000
5,000,000
84,495
TOTAL PASSIVO + PL
7,700,000
8,168,898
CAPITAL DE GIRO
Ativo Circulante (s/ caixa)
Passivo Circulante
Capital de Giro
Investimento em Capital de Giro
Jan-11
468,523
384,402
84,120
84,120
(5,000,000)
21,875
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
651,802
547,200
16,416
12,586
75,600
521,441
437,760
13,133
10,068
60,480
491,185
415,872
11,820
9,062
54,432
481,361
407,555
11,583
8,880
53,343
471,734
399,403
11,351
8,703
52,276
613,254
519,225
14,757
11,314
67,959
521,266
441,341
12,543
9,617
57,766
495,203
419,274
11,916
9,136
54,877
470,443
398,310
11,320
8,679
52,133
(101,954)
(81,563)
(76,526)
(74,995)
(73,495)
(95,544)
(81,212)
(77,152)
(73,294)
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
(12,852)
(28,810)
(10,755)
(49,537)
(10,282)
(23,048)
(8,604)
(39,630)
(9,253)
(21,838)
(8,105)
(37,330)
(9,068)
(21,401)
(7,942)
(36,583)
(8,887)
(20,973)
(7,784)
(35,852)
(11,553)
(27,265)
(10,119)
(46,607)
(9,820)
(23,175)
(8,601)
(39,616)
(9,329)
(22,016)
(8,171)
(37,635)
(8,863)
(20,915)
(7,762)
(35,754)
549,848
439,878
414,659
406,366
398,239
517,711
440,054
418,051
397,149
(63,135)
(50,508)
(45,676)
(44,763)
(43,868)
(57,028)
(48,474)
(46,050)
(43,747)
11.5%
11.5%
11.0%
11.0%
11.0%
11.0%
11.0%
11.0%
11.0%
(5,472)
(12,312)
(7,551)
(37,800)
(4,378)
(9,850)
(6,041)
(30,240)
(4,159)
(8,865)
(5,437)
(27,216)
(4,076)
(8,687)
(5,328)
(26,672)
(3,994)
(8,514)
(5,222)
(26,138)
(5,192)
(11,068)
(6,788)
(33,980)
(4,413)
(9,408)
(5,770)
(28,883)
(4,193)
(8,937)
(5,481)
(27,439)
(3,983)
(8,490)
(5,207)
(26,067)
486,713
389,370
368,983
361,603
354,371
460,683
391,580
372,001
353,401
88.5%
88.5%
89.0%
89.0%
89.0%
89.0%
89.0%
89.0%
89.0%
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
35.9%
44.8%
47.6%
48.5%
49.5%
38.1%
44.8%
47.2%
49.7%
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(10,451)
(8,361)
(7,876)
(7,718)
(7,564)
(9,833)
(8,358)
(7,940)
(7,543)
1.9%
1.9%
1.9%
1.9%
1.9%
1.9%
1.9%
1.9%
1.9%
(2,838)
(3,584)
(2,270)
(2,868)
(2,139)
(2,701)
(2,096)
(2,647)
(2,054)
(2,594)
(2,670)
(3,372)
(2,270)
(2,867)
(2,156)
(2,723)
(2,048)
(2,587)
(324)
(3,704)
(259)
(2,964)
(244)
(2,792)
(239)
(2,736)
(234)
(2,681)
(305)
(3,485)
(259)
(2,963)
(246)
(2,814)
(234)
(2,674)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
9.2%
11.5%
12.2%
12.4%
12.7%
9.8%
11.5%
12.1%
12.7%
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
0.7%
0.9%
1.0%
1.0%
1.0%
0.8%
0.9%
1.0%
1.0%
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
0.3%
0.4%
0.5%
0.5%
0.5%
0.4%
0.4%
0.5%
0.5%
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(7,064)
(5,970)
(5,751)
(5,668)
(5,586)
(6,784)
(6,005)
(5,785)
(5,575)
1.3%
1.4%
1.4%
1.4%
1.4%
1.3%
1.4%
1.4%
1.4%
(1,151)
(441)
(5,472)
(1,151)
(441)
(4,378)
(1,151)
(441)
(4,159)
(1,151)
(441)
(4,076)
(1,151)
(441)
(3,994)
(1,151)
(441)
(5,192)
(1,151)
(441)
(4,413)
(1,151)
(441)
(4,193)
(1,151)
(441)
(3,983)
(31,583)
(31,667)
(31,750)
(31,833)
(31,917)
(32,000)
(32,083)
(32,167)
(32,250)
5.7%
7.2%
7.7%
7.8%
8.0%
6.2%
7.3%
7.7%
8.1%
(27,033)
(4,550)
(27,117)
(4,550)
(27,200)
(4,550)
(27,283)
(4,550)
(27,367)
(4,550)
(27,450)
(4,550)
(27,533)
(4,550)
(27,617)
(4,550)
(27,700)
(4,550)
183,931
89,690
69,924
62,702
55,622
158,383
91,451
72,427
54,350
33.5%
20.4%
16.9%
15.4%
14.0%
30.6%
20.8%
17.3%
13.7%
(16,200)
(16,200)
(15,975)
(15,975)
(15,748)
(15,748)
(15,521)
(15,521)
(15,291)
(15,291)
(15,061)
(15,061)
(14,829)
(14,829)
(14,596)
(14,596)
(14,361)
(14,361)
167,731
73,715
54,176
47,181
40,331
143,322
76,622
57,832
39,989
(32,869)
(15,006)
(11,293)
(9,964)
(8,663)
(28,231)
(15,558)
(11,988)
(8,598)
19.6%
20.4%
20.8%
21.1%
21.5%
19.7%
20.3%
20.7%
21.5%
(17,773)
(15,096)
(8,372)
(6,634)
(6,418)
(4,876)
(5,718)
(4,246)
(5,033)
(3,630)
(15,332)
(12,899)
(8,662)
(6,896)
(6,783)
(5,205)
(4,999)
(3,599)
134,863
58,709
42,882
37,217
31,668
115,091
61,064
45,844
31,391
24.5%
13.3%
10.3%
9.2%
8.0%
22.2%
13.9%
11.0%
7.9%
134,863
58,709
42,882
37,217
31,668
115,091
61,064
45,844
31,391
31,583
(10,000)
(37,518)
(84,651)
31,667
(10,000)
(37,743)
81,557
31,750
(10,000)
(37,970)
12,890
31,833
(10,000)
(38,198)
7,335
31,917
(10,000)
(38,427)
2,768
32,000
(10,000)
(38,658)
(68,644)
32,083
(10,000)
(38,889)
46,010
32,167
(10,000)
(39,123)
10,596
32,250
(10,000)
(39,358)
14,865
34,276
124,190
39,552
28,187
17,925
29,789
90,268
39,483
29,149
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
581,966
651,802
420,517
521,441
409,321
491,185
388,195
481,361
393,112
471,734
494,560
613,254
420,376
521,266
412,669
495,203
379,389
470,443
40,500
37,800
29,265
30,240
27,216
27,216
25,811
26,672
26,138
26,138
32,884
33,980
27,951
28,883
27,439
27,439
25,226
26,067
211,295
197,209
190,847
197,209
197,209
197,209
190,847
197,209
197,209
197,209
190,847
197,209
190,847
197,209
197,209
197,209
190,847
197,209
97,946
137,124
78,266
121,313
77,184
115,777
73,950
114,622
75,661
113,491
83,948
130,119
76,975
119,311
77,499
116,249
73,122
113,340
144,453
134,823
93,454
96,569
87,819
87,819
82,219
84,960
82,158
82,158
119,782
123,775
93,649
96,770
89,140
89,140
79,250
81,892
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
805,617
183,151
581,966
40,500
757,123
307,341
420,517
29,265
783,430
346,893
409,321
27,216
789,086
375,080
388,195
25,811
812,255
393,005
393,112
26,138
950,238
422,794
494,560
32,884
961,389
513,062
420,376
27,951
992,654
552,546
412,669
27,439
986,310
581,695
379,389
25,226
7,529,917
7,508,250
7,486,500
7,464,667
7,442,750
7,420,750
7,398,667
7,376,500
7,354,250
1,900,000
3,560,000
1,800,000
40,000
273,000
20,000
1,900,000
3,560,000
1,800,000
40,000
273,000
30,000
1,900,000
3,560,000
1,800,000
40,000
273,000
40,000
1,900,000
3,560,000
1,800,000
40,000
273,000
50,000
1,900,000
3,560,000
1,800,000
40,000
273,000
60,000
1,900,000
3,560,000
1,800,000
40,000
273,000
70,000
1,900,000
3,560,000
1,800,000
40,000
273,000
80,000
1,900,000
3,560,000
1,800,000
40,000
273,000
90,000
1,900,000
3,560,000
1,800,000
40,000
273,000
100,000
(53,733)
(9,100)
(250)
(80,600)
(13,650)
(500)
(107,467)
(18,200)
(833)
(134,333)
(22,750)
(1,250)
(161,200)
(27,300)
(1,750)
(188,067)
(31,850)
(2,333)
(214,933)
(36,400)
(3,000)
(241,800)
(40,950)
(3,750)
(268,667)
(45,500)
(4,583)
8,335,533
8,265,373
8,269,930
8,253,753
8,255,005
8,370,988
8,360,056
8,369,154
8,340,560
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
453,694
211,295
97,946
144,453
362,567
190,847
78,266
93,454
362,212
197,209
77,184
87,819
347,016
190,847
73,950
82,219
355,028
197,209
75,661
82,158
394,577
190,847
83,948
119,782
361,471
190,847
76,975
93,649
363,848
197,209
77,499
89,140
343,220
190,847
73,122
79,250
2,662,482
2,624,738
2,586,768
2,548,570
2,510,143
2,471,486
2,432,596
2,393,474
2,354,116
2,662,482
2,624,738
2,586,768
2,548,570
2,510,143
2,471,486
2,432,596
2,393,474
2,354,116
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
5,000,000
219,358
5,000,000
278,067
5,000,000
320,949
5,000,000
358,166
5,000,000
389,834
5,000,000
504,925
5,000,000
565,989
5,000,000
611,832
5,000,000
643,224
8,335,533
8,265,373
8,269,930
8,253,753
8,255,005
8,370,988
8,360,056
8,369,154
8,340,560
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
622,466
453,694
168,772
84,651
449,782
362,567
87,214
(81,557)
436,537
362,212
74,325
(12,890)
414,006
347,016
66,990
(7,335)
419,250
355,028
64,222
(2,768)
527,444
394,577
132,866
68,644
448,327
361,471
86,856
(46,010)
440,108
363,848
76,260
(10,596)
404,615
343,220
61,395
(14,865)
34,276
124,190
39,552
28,187
17,925
29,789
90,268
39,483
29,149
Nov-11
Dec-11
493,965
418,226
11,886
9,113
54,740
533,482
451,684
12,837
9,842
59,119
(76,959)
2011
Jan-12
Feb-12
Mar-12
Apr-12
May-12
6,288,306
5,311,849
153,244
117,487
705,727
564,895
474,240
14,227
10,908
65,520
677,874
569,088
17,073
13,089
78,624
542,299
455,270
13,658
10,471
62,899
510,833
432,507
12,292
9,424
56,609
500,616
423,857
12,046
9,236
55,477
(83,116)
(980,771)
(88,360)
(106,032)
(84,826)
(79,587)
(77,995)
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
(9,306)
(21,961)
(8,150)
(37,541)
(10,050)
(23,718)
(8,802)
(40,545)
(119,974)
(279,129)
(103,757)
(477,911)
(11,138)
(24,969)
(9,321)
(42,932)
(13,366)
(29,962)
(11,185)
(51,518)
(10,693)
(23,970)
(8,948)
(41,215)
(9,624)
(22,711)
(8,429)
(38,823)
(9,431)
(22,257)
(8,260)
(38,047)
417,006
450,367
5,307,535
476,535
571,842
457,473
431,246
422,621
(45,935)
(49,610)
(591,407)
(54,717)
(65,661)
(52,529)
(47,503)
(46,553)
11.0%
11.0%
11.1%
11.5%
11.5%
11.5%
11.0%
11.0%
(4,182)
(8,915)
(5,468)
(27,370)
(4,517)
(9,628)
(5,905)
(29,560)
(53,118)
(114,933)
(70,492)
(352,863)
(4,742)
(10,670)
(6,545)
(32,760)
(5,691)
(12,804)
(7,853)
(39,312)
(4,553)
(10,244)
(6,283)
(31,450)
(4,325)
(9,219)
(5,654)
(28,305)
(4,239)
(9,035)
(5,541)
(27,739)
371,071
400,757
4,716,128
421,818
506,181
404,945
383,742
376,068
89.0%
89.0%
88.9%
88.5%
88.5%
88.5%
89.0%
89.0%
(197,209)
(197,209)
(2,366,507)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
47.3%
43.8%
44.6%
41.4%
34.5%
43.1%
45.7%
46.7%
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(1,248,000)
(104,000)
(104,000)
(34,667)
(249,600)
(99,840)
(104,000)
(253,440)
(168,960)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(7,920)
(8,554)
(100,825)
(8,709)
(10,451)
(8,361)
(7,876)
(7,718)
1.9%
1.9%
1.9%
1.8%
1.8%
1.8%
1.8%
1.8%
(2,151)
(2,716)
(2,323)
(2,934)
(27,380)
(34,581)
(2,365)
(2,987)
(2,838)
(3,584)
(2,270)
(2,868)
(2,139)
(2,701)
(2,096)
(2,647)
(246)
(2,807)
(265)
(3,032)
(3,126)
(35,738)
(270)
(3,087)
(324)
(3,704)
(259)
(2,964)
(244)
(2,792)
(239)
(2,736)
0.0%
0.0%
(50,500)
(50,500)
0.0%
(606,000)
0.0%
0.0%
0.0%
0.0%
0.0%
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
12.1%
11.2%
11.4%
10.6%
8.8%
11.0%
11.7%
11.9%
(49,500)
(1,000)
(49,500)
(1,000)
(594,000)
(12,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(4,082)
(4,082)
(48,984)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
1.0%
0.9%
0.9%
0.9%
0.7%
0.9%
0.9%
1.0%
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(11,604)
(12,276)
(13,632)
(11,472)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(1,892)
(1,892)
(22,704)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
0.5%
0.4%
0.4%
0.4%
0.3%
0.4%
0.4%
0.4%
(1,051)
(841)
(1,051)
(841)
(12,612)
(10,092)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(5,774)
(6,109)
(72,222)
(6,334)
(7,283)
(6,145)
(5,917)
(5,831)
1.4%
1.4%
1.4%
1.3%
1.3%
1.3%
1.4%
1.4%
(1,151)
(441)
(4,182)
(1,151)
(441)
(4,517)
(13,812)
(5,292)
(53,118)
(1,151)
(441)
(4,742)
(1,151)
(441)
(5,691)
(1,151)
(441)
(4,553)
(1,151)
(441)
(4,325)
(1,151)
(441)
(4,239)
(32,333)
(32,417)
(383,500)
(32,583)
(32,750)
(32,917)
(33,083)
(33,250)
7.8%
7.2%
7.2%
6.8%
5.7%
7.2%
7.7%
7.9%
(27,783)
(4,550)
(27,867)
(4,550)
(328,900)
(54,600)
(28,033)
(4,550)
(28,200)
(4,550)
(28,367)
(4,550)
(28,533)
(4,550)
(28,700)
(4,550)
71,361
99,995
1,115,386
120,508
202,014
103,840
83,184
75,586
17.1%
22.2%
21.0%
25.3%
35.3%
22.7%
19.3%
17.9%
(14,125)
(14,125)
(13,887)
(13,887)
(165,593)
(165,593)
(13,648)
(13,648)
(13,408)
(13,408)
(13,166)
(13,166)
(12,923)
(12,923)
(12,678)
(12,678)
57,236
86,108
949,793
106,860
188,607
90,674
70,261
62,908
(11,875)
(17,360)
(192,461)
(21,303)
(36,835)
(18,228)
(14,350)
(12,953)
20.7%
20.2%
20.3%
19.9%
0.195302038
20.1%
20.4%
20.6%
(6,724)
(5,151)
(9,611)
(7,750)
(106,979)
(85,481)
(11,686)
(9,617)
(19,861)
(16,975)
(10,067)
(8,161)
(8,026)
(6,323)
(7,291)
(5,662)
45,361
68,747
757,332
85,556
151,771
72,446
55,911
49,956
10.9%
15.3%
14.3%
18.0%
26.5%
15.8%
13.0%
11.8%
45,361
68,747
757,332
85,556
151,771
72,446
55,911
49,956
32,333
(10,000)
(39,594)
(14,168)
32,417
(10,000)
(39,831)
(17,288)
383,500
(120,000)
(425,309)
(92,851)
32,583
(20,000)
(40,070)
(4,627)
32,750
(20,000)
(40,311)
(85,613)
32,917
(20,000)
(40,553)
85,577
33,083
(20,000)
(40,796)
13,174
33,250
(20,000)
(41,041)
7,845
13,933
34,045
502,673
53,442
38,598
130,387
41,373
30,010
Nov-11
Dec-11
2011
Jan-12
Feb-12
Mar-12
Apr-12
May-12
411,637
493,965
430,228
533,482
430,706
6,288,306
455,560
564,895
605,244
677,874
437,338
542,299
425,694
510,833
403,723
500,616
27,370
27,370
28,606
29,560
29,002
352,863
31,703
32,760
42,120
39,312
30,435
31,450
28,305
28,305
26,844
27,739
197,209
197,209
190,847
197,209
194,507
2,366,507
190,847
197,209
211,295
197,209
190,847
197,209
197,209
197,209
190,847
197,209
77,402
116,103
77,901
120,746
79,021
1,442,142
81,442
126,235
99,906
139,868
79,683
123,508
78,513
117,770
75,210
116,576
88,834
88,834
97,235
100,476
96,430
1,173,231
117,496
109,663
153,072
142,867
99,729
103,054
93,936
93,936
88,014
90,948
Nov-11
Dec-11
2011
Jan-12
Feb-12
Mar-12
Apr-12
May-12
1,034,635
595,628
411,637
27,370
1,088,506
629,673
430,228
28,606
1,088,506
629,673
430,228
28,606
1,170,378
683,115
455,560
31,703
1,369,077
721,713
605,244
42,120
1,319,873
852,100
437,338
30,435
1,347,471
893,473
425,694
28,305
1,354,049
923,483
403,723
26,844
7,331,917
7,309,500
7,309,500
7,296,917
7,284,167
7,271,250
7,258,167
7,244,917
1,900,000
3,560,000
1,800,000
40,000
273,000
110,000
1,900,000
3,560,000
1,800,000
40,000
273,000
120,000
1,900,000
3,560,000
1,800,000
40,000
273,000
120,000
1,900,000
3,560,000
1,800,000
40,000
273,000
140,000
1,900,000
3,560,000
1,800,000
40,000
273,000
160,000
1,900,000
3,560,000
1,800,000
40,000
273,000
180,000
1,900,000
3,560,000
1,800,000
40,000
273,000
200,000
1,900,000
3,560,000
1,800,000
40,000
273,000
220,000
(295,533)
(50,050)
(5,500)
(322,400)
(54,600)
(6,500)
(322,400)
(54,600)
(6,500)
(349,267)
(59,150)
(7,667)
(376,133)
(63,700)
(9,000)
(403,000)
(68,250)
(10,500)
(429,867)
(72,800)
(12,167)
(456,733)
(77,350)
(14,000)
8,366,552
8,398,006
8,398,006
8,467,295
8,653,244
8,591,123
8,605,638
8,598,966
Nov-11
Dec-11
Jan-11
Feb-11
Mar-11
Apr-11
May-11
363,445
197,209
77,402
88,834
365,983
190,847
77,901
97,235
365,983
190,847
77,901
97,235
389,785
190,847
81,442
117,496
464,273
211,295
99,906
153,072
370,259
190,847
79,683
99,729
369,659
197,209
78,513
93,936
354,071
190,847
75,210
88,014
2,314,522
2,274,691
2,274,691
2,234,621
2,194,310
2,153,758
2,112,962
2,071,921
2,314,522
2,274,691
2,274,691
2,234,621
2,194,310
2,153,758
2,112,962
2,071,921
Nov-11
Dec-11
Jan-11
Feb-11
Mar-11
Apr-11
May-11
5,000,000
688,585
5,000,000
757,332
5,000,000
757,332
5,000,000
842,889
5,000,000
994,660
5,000,000
1,067,106
5,000,000
1,123,017
5,000,000
1,172,973
8,366,552
8,398,006
8,398,006
8,467,295
8,653,244
8,591,123
8,605,638
8,598,966
Nov-11
Dec-11
Jan-11
Feb-11
Mar-11
Apr-11
May-11
439,008
363,445
75,563
14,168
458,834
365,983
92,851
17,288
487,263
389,785
97,478
4,627
647,364
464,273
183,091
85,613
467,773
370,259
97,514
(85,577)
453,998
369,659
84,340
(13,174)
430,566
354,071
76,495
(7,845)
2011
2011
2011
458,834
365,983
92,851
92,851
13,933
34,045
53,442
38,598
130,387
41,373
30,010
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
2012
490,604
415,380
11,806
9,051
54,368
637,785
539,993
15,347
11,766
70,678
542,117
458,994
13,045
10,001
60,076
515,011
436,045
12,393
9,501
57,072
489,261
414,243
11,773
9,026
54,219
513,724
434,955
12,362
9,477
56,930
554,821
469,751
13,351
10,236
61,484
6,539,838
5,524,322
159,373
122,186
733,956
(76,435)
(99,366)
(84,461)
(80,238)
(76,226)
(80,037)
(86,440)
(1,020,002)
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
15.6%
(9,242)
(21,812)
(8,095)
(37,286)
(12,015)
(28,355)
(10,523)
(48,472)
(10,213)
(24,102)
(8,945)
(41,201)
(9,702)
(22,897)
(8,498)
(39,141)
(9,217)
(21,752)
(8,073)
(37,184)
(9,678)
(22,840)
(8,476)
(39,043)
(10,452)
(24,667)
(9,155)
(42,166)
(124,772)
(290,294)
(107,907)
(497,028)
414,168
538,419
457,656
434,773
413,035
433,686
468,381
5,519,836
(45,622)
(59,309)
(50,413)
(47,892)
(45,497)
(47,772)
(51,594)
(615,063)
11.0%
11.0%
11.0%
11.0%
11.0%
11.0%
11.0%
11.1%
(4,154)
(8,854)
(5,431)
(27,184)
(5,400)
(11,510)
(7,060)
(35,339)
(4,590)
(9,784)
(6,001)
(30,038)
(4,360)
(9,295)
(5,701)
(28,536)
(4,142)
(8,830)
(5,416)
(27,109)
(4,350)
(9,271)
(5,686)
(28,465)
(4,698)
(10,013)
(6,141)
(30,742)
(55,243)
(119,530)
(73,312)
(366,978)
368,546
479,110
407,244
386,881
367,537
385,914
416,787
4,904,773
89.0%
89.0%
89.0%
89.0%
89.0%
89.0%
89.0%
88.9%
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(197,209)
(2,366,507)
47.6%
36.6%
43.1%
45.4%
47.7%
45.5%
42.1%
42.9%
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(104,000)
(8,667)
(8,667)
(2,889)
(20,800)
(8,320)
(8,667)
(21,120)
(14,080)
(1,248,000)
(104,000)
(104,000)
(34,667)
(249,600)
(99,840)
(104,000)
(253,440)
(168,960)
(7,564)
(9,833)
(8,358)
(7,940)
(7,543)
(7,920)
(8,554)
(100,825)
1.8%
1.8%
1.8%
1.8%
1.8%
1.8%
1.8%
1.8%
(2,054)
(2,594)
(2,670)
(3,372)
(2,270)
(2,867)
(2,156)
(2,723)
(2,048)
(2,587)
(2,151)
(2,716)
(2,323)
(2,934)
(27,380)
(34,581)
(234)
(2,681)
(305)
(3,485)
(259)
(2,963)
(246)
(2,814)
(234)
(2,674)
(246)
(2,807)
(265)
(3,032)
(3,126)
(35,738)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
(50,500)
0.0%
(606,000)
12.2%
9.4%
11.0%
11.6%
12.2%
11.6%
10.8%
11.0%
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(49,500)
(1,000)
(594,000)
(12,000)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(4,082)
(48,984)
1.0%
0.8%
0.9%
0.9%
1.0%
0.9%
0.9%
0.9%
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(967)
(1,023)
(1,136)
(956)
(11,604)
(12,276)
(13,632)
(11,472)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(1,892)
(22,704)
0.5%
0.4%
0.4%
0.4%
0.5%
0.4%
0.4%
0.4%
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(1,051)
(841)
(12,612)
(10,092)
(5,746)
(6,992)
(6,182)
(5,952)
(5,734)
(5,942)
(6,290)
(74,347)
1.4%
1.3%
1.4%
1.4%
1.4%
1.4%
1.3%
1.3%
(1,151)
(441)
(4,154)
(1,151)
(441)
(5,400)
(1,151)
(441)
(4,590)
(1,151)
(441)
(4,360)
(1,151)
(441)
(4,142)
(1,151)
(441)
(4,350)
(1,151)
(441)
(4,698)
(13,812)
(5,292)
(55,243)
(33,417)
(33,583)
(33,750)
(33,917)
(34,083)
(34,250)
(34,417)
(402,000)
8.1%
6.2%
7.4%
7.8%
8.3%
7.9%
7.3%
7.3%
(28,867)
(4,550)
(29,033)
(4,550)
(29,200)
(4,550)
(29,367)
(4,550)
(29,533)
(4,550)
(29,700)
(4,550)
(29,867)
(4,550)
(347,400)
(54,600)
68,137
175,019
105,271
85,389
66,494
84,120
113,845
1,283,407
16.5%
32.5%
23.0%
19.6%
16.1%
19.4%
24.3%
23.3%
(12,432)
(12,432)
(12,184)
(12,184)
(11,935)
(11,935)
(11,684)
(11,684)
(11,432)
(11,432)
(11,178)
(11,178)
(10,923)
(10,923)
(147,588)
(147,588)
55,706
162,835
93,336
73,706
55,062
72,942
102,922
1,135,818
(11,584)
(31,939)
(18,734)
(15,004)
(11,462)
(14,859)
(20,555)
(227,805)
20.8%
19.6%
20.1%
20.4%
20.8%
20.4%
20.0%
20.1%
(6,571)
(5,014)
(17,284)
(14,655)
(10,334)
(8,400)
(8,371)
(6,633)
(6,506)
(4,956)
(8,294)
(6,565)
(11,292)
(9,263)
(125,582)
(102,224)
44,122
130,897
74,602
58,701
43,600
58,083
82,367
908,013
10.7%
24.3%
16.3%
13.5%
10.6%
13.4%
17.6%
16.4%
44,122
130,897
74,602
58,701
43,600
58,083
82,367
908,013
33,417
(20,000)
(41,287)
2,640
33,583
(20,000)
(41,535)
(71,217)
33,750
(20,000)
(41,784)
47,865
33,917
(20,000)
(42,034)
10,785
34,083
(20,000)
(42,287)
15,683
34,250
(20,000)
(42,540)
(14,985)
34,417
(20,000)
(42,796)
(17,774)
402,000
(240,000)
(497,032)
(10,648)
18,891
31,728
94,433
41,369
31,080
14,808
36,214
562,333
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
2012
408,836
490,604
514,342
637,785
437,191
542,117
429,176
515,011
394,565
489,261
428,103
513,724
447,437
554,821
6,539,838
27,184
27,184
34,199
35,339
29,069
30,038
28,536
28,536
26,235
27,109
28,465
28,465
29,750
30,742
366,978
197,209
197,209
190,847
197,209
190,847
197,209
197,209
197,209
190,847
197,209
197,209
197,209
190,847
197,209
2,366,507
76,937
115,406
85,553
132,608
78,340
121,426
78,839
118,258
74,354
115,249
78,739
118,108
79,298
122,911
1,467,923
88,019
88,019
127,069
131,304
99,866
103,195
95,242
95,242
84,859
87,688
94,896
94,896
103,544
106,995
1,247,807
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
2012
1,378,395
942,374
408,836
27,184
1,522,644
974,103
514,342
34,199
1,534,796
1,068,536
437,191
29,069
1,567,617
1,109,905
429,176
28,536
1,561,784
1,140,985
394,565
26,235
1,612,360
1,155,792
428,103
28,465
1,669,193
1,192,006
447,437
29,750
1,669,193
1,192,006
447,437
29,750
7,231,500
7,217,917
7,204,167
7,190,250
7,176,167
7,161,917
7,147,500
7,147,500
1,900,000
3,560,000
1,800,000
40,000
273,000
240,000
1,900,000
3,560,000
1,800,000
40,000
273,000
260,000
1,900,000
3,560,000
1,800,000
40,000
273,000
280,000
1,900,000
3,560,000
1,800,000
40,000
273,000
300,000
1,900,000
3,560,000
1,800,000
40,000
273,000
320,000
1,900,000
3,560,000
1,800,000
40,000
273,000
340,000
1,900,000
3,560,000
1,800,000
40,000
273,000
360,000
1,900,000
3,560,000
1,800,000
40,000
273,000
360,000
(483,600)
(81,900)
(16,000)
(510,467)
(86,450)
(18,167)
(537,333)
(91,000)
(20,500)
(564,200)
(95,550)
(23,000)
(591,067)
(100,100)
(25,667)
(617,933)
(104,650)
(28,500)
(644,800)
(109,200)
(31,500)
(644,800)
(109,200)
(31,500)
8,609,895
8,740,561
8,738,963
8,757,867
8,737,951
8,774,277
8,816,693
8,816,693
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
362,165
197,209
76,937
88,019
403,469
190,847
85,553
127,069
369,053
190,847
78,340
99,866
371,290
197,209
78,839
95,242
350,060
190,847
74,354
84,859
370,844
197,209
78,739
94,896
373,689
190,847
79,298
103,544
373,689
190,847
79,298
103,544
2,030,635
1,989,100
1,947,316
1,905,282
1,862,995
1,820,455
1,777,659
1,777,659
2,030,635
1,989,100
1,947,316
1,905,282
1,862,995
1,820,455
1,777,659
1,777,659
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
5,000,000
1,217,095
5,000,000
1,347,991
5,000,000
1,422,594
5,000,000
1,481,295
5,000,000
1,524,896
5,000,000
1,582,978
5,000,000
1,665,345
5,000,000
1,665,345
8,609,895
8,740,561
8,738,963
8,757,867
8,737,951
8,774,277
8,816,693
8,816,693
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
436,020
362,165
73,855
(2,640)
548,541
403,469
145,072
71,217
466,260
369,053
97,207
(47,865)
457,712
371,290
86,422
(10,785)
420,800
350,060
70,739
(15,683)
456,568
370,844
85,724
14,985
477,187
373,689
103,498
17,774
2011
2011
2011
477,187
373,689
103,498
10,648
18,891
31,728
94,433
41,369
31,080
14,808
36,214
2,700,000
0.60%
Perodo
60
Ms
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
a.m.
meses
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
1,197,379.00
1,150,844.90
1,104,031.59
1,056,937.41
1,009,560.65
961,899.64
913,952.66
865,718.00
817,193.94
768,378.72
719,270.62
669,867.87
620,168.70
570,171.33
519,873.99
469,274.85
418,372.13
367,163.98
315,648.59
263,824.11
211,688.68
159,240.43
106,477.50
53,397.99
0.00
-
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
53,718.38
-
46,256.56
46,534.10
46,813.31
47,094.19
47,376.75
47,661.01
47,946.98
48,234.66
48,524.07
48,815.21
49,108.10
49,402.75
49,699.17
49,997.36
50,297.35
50,599.13
50,902.73
51,208.14
51,515.39
51,824.48
52,135.43
52,448.24
52,762.93
53,079.51
53,397.99
-
7,461.81
7,184.27
6,905.07
6,624.19
6,341.62
6,057.36
5,771.40
5,483.72
5,194.31
4,903.16
4,610.27
4,315.62
4,019.21
3,721.01
3,421.03
3,119.24
2,815.65
2,510.23
2,202.98
1,893.89
1,582.94
1,270.13
955.44
638.86
320.39
-
Ms
Saldo Devedor
Prestao
Amortizao
Juros
0
2,700,000
-
1
2,662,482
53,718
37,518
16,200
2
2,624,738
53,718
37,743
15,975
3
2,586,768
53,718
37,970
15,748
4
2,548,570
53,718
38,198
15,521
5
2,510,143
53,718
38,427
15,291
6
2,471,486
53,718
38,658
15,061
7
2,432,596
53,718
38,889
14,829
8
2,393,474
53,718
39,123
14,596
9
2,354,116
53,718
39,358
14,361
10
2,314,522
53,718
39,594
14,125
11
2,274,691
53,718
39,831
13,887
12
2,234,621
53,718
40,070
13,648
13
2,194,310
53,718
40,311
13,408
14
2,153,758
53,718
40,553
13,166
15
2,112,962
53,718
40,796
12,923
16
2,071,921
53,718
41,041
12,678
17
2,030,635
53,718
41,287
12,432
18
1,989,100
53,718
41,535
12,184
19
1,947,316
53,718
41,784
11,935
20
1,905,282
53,718
42,034
11,684
21
1,862,995
53,718
42,287
11,432
22
1,820,455
53,718
42,540
11,178
23
1,777,659
53,718
42,796
10,923
24
1,734,607
53,718
43,052
10,666
25
1,691,296
53,718
43,311
10,408
26
1,647,725
53,718
43,571
10,148
27
1,603,893
53,718
43,832
9,886
28
1,559,798
53,718
44,095
9,623
29
1,515,439
53,718
44,360
9,359
30
1,470,813
53,718
44,626
9,093
31
1,425,919
53,718
44,893
8,825
32
1,380,757
53,718
45,163
8,556
33
1,335,323
53,718
45,434
8,285
34
1,289,616
53,718
45,706
8,012
35
1,243,636
53,718
45,981
7,738
36
1,197,379
53,718
46,257
7,462
37
1,150,845
53,718
46,534
7,184
38
1,104,032
53,718
46,813
6,905
39
1,056,937
53,718
47,094
6,624
40
1,009,561
53,718
47,377
6,342
41
961,900
53,718
47,661
6,057
42
913,953
53,718
47,947
5,771
43
865,718
53,718
48,235
5,484
44
817,194
53,718
48,524
5,194
45
768,379
53,718
48,815
4,903
46
719,271
53,718
49,108
4,610
47
669,868
53,718
49,403
4,316
48
49
50
51
620,169 570,171 519,874 469,275
53,718
53,718
53,718
53,718
49,699
49,997
50,297
50,599
4,019
3,721
3,421
3,119
52
53
54
55
56
57
58
59
60
418,372 367,164 315,649 263,824 211,689 159,240 106,477 53,398
0
53,718
53,718
53,718
53,718
53,718
53,718
53,718 53,718 53,718
50,903
51,208
51,515
51,824
52,135
52,448
52,763 53,080 53,398
2,816
2,510
2,203
1,894
1,583
1,270
955
639
320
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-