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Notes Receivable (Tables)
6 Months Ended
Jun. 30, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Schedule Of Current And Non-Current Notes Receivable
Presented in the following table are details of CMS Energy’s and Consumers’ current and non‑current notes receivable:
In Millions
 
 
June 30, 2020
 
December 31, 2019
 
CMS Energy, including Consumers
 
 
 
 
Current
 
 
 
 
EnerBank notes receivable, net of allowance for loan losses
 
$
264

 
$
242

Non‑current
 
 
 
 
EnerBank notes receivable, net of allowance for loan losses
 
2,333

 
2,258

Total notes receivable
 
$
2,597

 
$
2,500

Consumers
 
 
 
 
Current
 
 
 
 
DB SERP note receivable – related party
 
$
7

 
$
7

Non‑current
 
 
 
 
DB SERP note receivable – related party
 
96

 
96

Total notes receivable
 
$
103

 
$
103


Financing Receivable, Allowance for Credit Loss Presented in the following table are the changes in the allowance for loan losses:
In Millions
 
June 30, 2020
Three Months Ended
 
 
Six Months Ended
 
Balance at beginning of period
 
$
99

 
 
$
33

Effects of new accounting standard¹
 

 
 
62

Provisions for loan losses
 
13

 
 
26

Charge-offs
 
(9
)
 
 
(20
)
Recoveries
 
1

 
 
3

Balance at end of period
 
$
104

 
 
$
104

1 
The allowance for loan losses at December 31, 2019 reflected expected credit losses over a 12-month period. On January 1, 2020, in accordance with ASU 2016-13, Measurement of Credit Losses on Financial Instruments, the allowance for loan losses was adjusted to reflect expected credit losses over the life of the loan. Additionally, EnerBank recorded $3 million for expected credit losses related to unfunded loan commitments. For further details, see Note 1, New Accounting Standards.
Consumers Energy Company  
Accounts, Notes, Loans and Financing Receivable [Line Items]  
Schedule Of Current And Non-Current Notes Receivable
Presented in the following table are details of CMS Energy’s and Consumers’ current and non‑current notes receivable:
In Millions
 
 
June 30, 2020
 
December 31, 2019
 
CMS Energy, including Consumers
 
 
 
 
Current
 
 
 
 
EnerBank notes receivable, net of allowance for loan losses
 
$
264

 
$
242

Non‑current
 
 
 
 
EnerBank notes receivable, net of allowance for loan losses
 
2,333

 
2,258

Total notes receivable
 
$
2,597

 
$
2,500

Consumers
 
 
 
 
Current
 
 
 
 
DB SERP note receivable – related party
 
$
7

 
$
7

Non‑current
 
 
 
 
DB SERP note receivable – related party
 
96

 
96

Total notes receivable
 
$
103

 
$
103