Notes Receivable (Tables)

9 Months Ended

Sep. 30, 2012

Schedule Of Current And Non-Current Notes Receivable

In Millions
	September 30, 2012			December 31, 2011
CMS Energy, including Consumers
Current
EnerBank notes receivable, net of allowance for loan losses		$	27		$	19
Other			1			30
Non-current
EnerBank notes receivable, net of allowance for loan losses			486			461
Other			26			1
Total notes receivable		$	540		$	511
Consumers
Current
Other		$	-		$	23
Non-current
Other			26			1
Total notes receivable		$	26		$	24

Schedule Of Allowance For Loan Losses

In Millions
	Three Months Ended						Nine Months Ended
September 30	2012			2011			2012			2011
Balance at beginning of period		$	5		$	5		$	5		$	5
Charge-offs			(2)			(1)			(4)			(4)
Recoveries			1			-			1			1
Provision for loan losses			1			1			3			3
Balance at end of period		$	5		$	5		$	5		$	5

EnerBank USA [Member]

Schedule Of Delinquency Status Of EnerBank's Consumer Loans

In Millions
							Past Due
	Past Due			Past Due			Over			Total						Total
	30-59 Days			60-89 Days			90 Days			Delinquent			Current			Outstanding
September 30, 2012		$	1		$	1		$	1		$	3		$	510		$	513
December 31, 2011			1			-			1			2			478			480

Consumers Energy Company [Member]

Schedule Of Current And Non-Current Notes Receivable

In Millions
	September 30, 2012			December 31, 2011
CMS Energy, including Consumers
Current
EnerBank notes receivable, net of allowance for loan losses		$	27		$	19
Other			1			30
Non-current
EnerBank notes receivable, net of allowance for loan losses			486			461
Other			26			1
Total notes receivable		$	540		$	511
Consumers
Current
Other		$	-		$	23
Non-current
Other			26			1
Total notes receivable		$	26		$	24