CMS Energy
CMS
#1090
Rank
$21.47 B
Marketcap
$70.57
Share price
-1.29%
Change (1 day)
8.59%
Change (1 year)
CMS Energy is an American a public utility company that provides electricity and natural gas to more than 6 million of Michigan's 10 million residents.

CMS Energy - 10-Q quarterly report FY


Text size:
==========================================================================


FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

[X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended March 31, 1997

OR

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from to


Commission Registrant; State of Incorporation; IRS Employer
File Number Address; and Telephone Number Identification No.
- --------------------------------------------------------------------------
1-9513 CMS ENERGY CORPORATION 38-2726431
(A Michigan Corporation)
Fairlane Plaza South, Suite 1100
330 Town Center Drive
Dearborn, Michigan 48126
(313)436-9200

1-5611 CONSUMERS ENERGY COMPANY 38-0442310
(A Michigan Corporation)
212 West Michigan Avenue
Jackson, Michigan 49201
(517)788-0550


Indicate by check mark whether the Registrants (1) have filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act
of 1934 during the preceding 12 months (or for such shorter period that
the Registrants were required to file such reports), and (2) have been
subject to such filing requirements for the past 90 days.
Yes X No
--- ---

Number of shares outstanding of each of the issuer's classes of common
stock at April 30, 1997:
CMS Energy Corporation:
CMS Energy Common Stock, $.01 par value 95,337,648
CMS Energy Class G Common Stock, no par value 7,965,981
Consumers Energy Company, $10 par value, privately held
by CMS Energy 84,108,789

==========================================================================
2

CMS Energy Corporation
and
Consumers Energy Company


Quarterly reports on Form 10-Q to the Securities and Exchange Commission
for the Quarter Ended March 31, 1997



This combined Form 10-Q is separately filed by CMS Energy Corporation and
Consumers Energy Company. Information contained herein relating to each
individual registrant is filed by such registrant on its own behalf.
Accordingly, except for its subsidiaries, Consumers Energy Company makes
no representation as to information relating to any other companies
affiliated with CMS Energy Corporation.



TABLE OF CONTENTS


Page
Glossary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
PART I:
CMS Energy Corporation
Management's Discussion and Analysis . . . . . . . . . . . . . . . . 6
Consolidated Statements of Income. . . . . . . . . . . . . . . . . . 19
Consolidated Statements of Cash Flows. . . . . . . . . . . . . . . . 20
Consolidated Balance Sheets. . . . . . . . . . . . . . . . . . . . . 21
Consolidated Statements of Common Stockholders' Equity . . . . . . . 23
Condensed Notes to Consolidated Financial Statements . . . . . . . . 24
Report of Independent Public Accountants . . . . . . . . . . . . . . 31
Consumers Energy Company
Management's Discussion and Analysis . . . . . . . . . . . . . . . . 32
Consolidated Statements of Income. . . . . . . . . . . . . . . . . . 43
Consolidated Statements of Cash Flows. . . . . . . . . . . . . . . . 44
Consolidated Balance Sheets. . . . . . . . . . . . . . . . . . . . . 45
Consolidated Statements of Common Stockholder's Equity . . . . . . . 47
Condensed Notes to Consolidated Financial Statements . . . . . . . . 48
Report of Independent Public Accountants . . . . . . . . . . . . . . 53
PART II:
Item 1. Legal Proceedings . . . . . . . . . . . . . . . . . . . . . 54
Item 4. Submission of Matters to a Vote of Security Holders . . . . 54
Item 6. Exhibits and Reports on Form 8-K. . . . . . . . . . . . . . 55
Signatures. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56
3

GLOSSARY

Certain terms used in the text and financial statements are defined below.


ABATE . . . . . . . . . . . . Association of Businesses Advocating Tariff
Equity
ABB . . . . . . . . . . . . . ABB Energy Ventures, Inc.
ALJ . . . . . . . . . . . . . Administrative Law Judge

bcf . . . . . . . . . . . . . Billion cubic feet
Board of Directors. . . . . . Board of Directors of CMS Energy
Btu . . . . . . . . . . . . . British thermal unit

Class G Common Stock. . . . . One of two classes of common stock of
CMS Energy, no par value, which reflects the
separate performance of the Consumers Gas
Group
Clean Air Act . . . . . . . . Federal Clean Air Act as amended on November
15, 1990
CMS Electric and Gas. . . . . CMS Electric and Gas Company, a subsidiary of
Enterprises
CMS Energy. . . . . . . . . . CMS Energy Corporation
CMS Energy Common Stock . . . One of two classes of common stock of
CMS Energy, par value $.01 per share
CMS Gas Transmission. . . . . CMS Gas Transmission and Storage Company, a
subsidiary of Enterprises
CMS Generation. . . . . . . . CMS Generation Co., a subsidiary of
Enterprises
CMS Holdings. . . . . . . . . CMS Midland Holdings Company, a subsidiary of
Consumers
CMS Midland . . . . . . . . . CMS Midland Inc., a subsidiary of Consumers
CMS MST . . . . . . . . . . . CMS Marketing, Services and Trading Company,
a subsidiary of Enterprises
CMS NOMECO. . . . . . . . . . CMS NOMECO Oil & Gas Co., a subsidiary of
Enterprises
Common Stock. . . . . . . . . CMS Energy Common Stock and Class G Common
Stock
Consumers . . . . . . . . . . Consumers Energy Company, a subsidiary of
CMS Energy
Consumers Gas Group . . . . . The gas distribution, storage and
transportation businesses currently conducted
by Consumers and Michigan Gas Storage
Court of Appeals. . . . . . . Michigan Court of Appeals
CTM . . . . . . . . . . . . . Centrales Termicas Mendoza, an indirect
subsidiary of CMS Generation

Detroit Edison. . . . . . . . The Detroit Edison Company
Dow . . . . . . . . . . . . . The Dow Chemical Company

EDEER S.A.. . . . . . . . . . Empresa Distribuidora de Electricidad de
Entre Rios S. A., the electric distribution
utility in Entre Rios Province, Argentina
ENDESA. . . . . . . . . . . . Empresa Nacional de Electricidad S.A.,
Chile's largest electric generation and
transmission company
Enterprises . . . . . . . . . CMS Enterprises Company, a subsidiary of
CMS Energy
EPS . . . . . . . . . . . . . Earnings per share

FASB. . . . . . . . . . . . . Financial Accounting Standards Board
FERC. . . . . . . . . . . . . Federal Energy Regulatory Commission
FMLP. . . . . . . . . . . . . First Midland Limited Partnership

GCR . . . . . . . . . . . . . Gas cost recovery
GTNs. . . . . . . . . . . . . CMS Energy General Term Notes(Registered
Trademark), $250 million Series A, $125
million Series B and $150 million Series C
GVK . . . . . . . . . . . . . GVK Industries, the developer of an
independent power project in Jegurupadu,
Andhra Pradesh, India

Kwh . . . . . . . . . . . . . Kilowatt-hour

Ludington . . . . . . . . . . Ludington pumped storage plant, jointly owned
by Consumers and Detroit Edison

MCV Facility. . . . . . . . . A natural gas-fueled, combined-cycle
cogeneration facility operated by the MCV
Partnership
MCV Partnership . . . . . . . Midland Cogeneration Venture Limited
Partnership
MD&A. . . . . . . . . . . . . Management's Discussion and Analysis
Michigan Gas Storage. . . . . Michigan Gas Storage Company, a subsidiary of
Consumers
MMBtu . . . . . . . . . . . . Million British thermal unit
MPSC. . . . . . . . . . . . . Michigan Public Service Commission
MW. . . . . . . . . . . . . . Megawatts

NRC . . . . . . . . . . . . . Nuclear Regulatory Commission

Order 888 and Order 889 . . . FERC final rules issued on April 24, 1996
Outstanding Shares. . . . . . Outstanding shares of Class G Common Stock

Palisades . . . . . . . . . . Palisades nuclear power plant, owned by
Consumers
PPA . . . . . . . . . . . . . The Power Purchase Agreement between
Consumers and the MCV Partnership with a 35-
year term commencing in March 1990
PSCR. . . . . . . . . . . . . Power supply cost recovery
PUHCA . . . . . . . . . . . . Public Utility Holding Company Act of 1935

Retained Interest . . . . . . The interest in the common stockholders'
equity of the Consumers Gas Group that is
retained by CMS Energy
Retained Interest Shares. . . Authorized but unissued shares of Class G
Common Stock not held by holders of the
Outstanding Shares and attributable to the
Retained Interest

SEC . . . . . . . . . . . . . Securities and Exchange Commission
SFAS. . . . . . . . . . . . . Statement of Financial Accounting Standards
Superfund . . . . . . . . . . Comprehensive Environmental Response,
Compensation and Liability Act

Terra . . . . . . . . . . . . Terra Energy Ltd., an oil and gas exploration
and production subsidiary of CMS NOMECO
TGN . . . . . . . . . . . . . Transportadora de Gas del Norte S. A., a
natural gas pipeline located in Argentina
5

CMS Energy Corporation
Management's Discussion and Analysis


The MD&A of this Form 10-Q should be read along with the MD&A in
CMS Energy's 1996 Form 10-K. This report contains forward-looking
statements as defined by the Private Securities Litigation Reform Act of
1995, including (without limitation) discussions as to expectations,
beliefs, plans, objectives and future financial performance, or
assumptions underlying or concerning matters discussed in this document.
These discussions, and any other discussions contained in this Form 10-Q
that are not historical facts, are forward-looking and, accordingly,
involve estimates, assumptions and uncertainties that could cause actual
results or outcomes to differ materially from those expressed in the
forward-looking statements. In addition to certain contingency matters
(and their respective cautionary statements) discussed elsewhere, the
Forward-Looking Information section of this MD&A indicates some important
factors that could cause actual results or outcomes to differ materially
from those addressed in the forward-looking discussions.

CMS Energy is the parent holding company of Consumers and Enterprises.
Consumers, a combination electric and gas utility company serving the
Lower Peninsula of Michigan, is the principal subsidiary of CMS Energy.
Consumers' customer base includes a mix of residential, commercial and
diversified industrial customers, the largest segment of which is the
automotive industry. Enterprises is engaged in several domestic and
international energy-related businesses including: oil and gas
exploration and production; acquisition, development and operation of
independent power production facilities; energy marketing, risk management
and energy management services to large customers; storage, transmission
and processing of natural gas; and international energy distribution.


Consolidated Earnings

In Millions, Except Per Share Amounts
March 31 1997 1996 Change

Three months ended
Consolidated Net Income $ 84 $ 88 $ (4)
Net Income Attributable to
Common Stocks: CMS Energy 75 76 (1)
Class G 9 12 (3)
Earnings Per Average
Common Share: CMS Energy .79 .83 (.04)
Class G 1.18 1.50 (.32)

Twelve months ended
Consolidated Net Income $ 236 $ 206 $ 30
Net Income Attributable to
Common Stocks: CMS Energy 225 191 34
Class G 11 15 (4)
Earnings Per Average
Common Share: CMS Energy 2.41 2.12 .29
Class G 1.53 1.90(a) (.37)

(a) Class G shares were issued on July 21, 1995. Proforma earnings per
share, assuming Class G shares were outstanding during the entire twelve
month period ended March 31, 1996, would be $1.88.

The decrease in consolidated net income for the 1997 first quarter
compared to 1996 reflects decreased Consumers' gas deliveries due to
warmer 1997 first quarter temperatures, decreased Consumers' gas wholesale
services revenues in 1997, and decreased Consumers' electric revenues from
special contract discounts negotiated with large industrial customers.
Partially offsetting these decreases were the favorable impact of
Consumers' electric rate increase received in February 1996 which
benefited the entire first quarter of 1997 and improved operating results
from the MCV Facility in which Consumers has a 49 percent interest. The
increase in consolidated net income for the twelve months ended March 1997
compared to the 1996 period reflects the favorable impact of Consumers'
electric rate increase received in February 1996, revenues from value-
added services and Consumers' wholesale services activities, and improved
operating results from the MCV Facility. In addition, other operating
income increased during the twelve months ended March 1997 due to a FERC-
ordered refund received by the MCV Partnership from a gas pipeline
supplier. Consolidated net income was also affected by increased earnings
from CMS Gas Transmission's 25 percent ownership interest in TGN and
increased equity earnings resulting from the buy-out of a power purchase
agreement from a partnership in which CMS Generation owns a 50 percent
ownership interest. Partially offsetting these increases were decreased
Consumers' electric revenues because of special contract discounts
negotiated with large industrial customers and decreased Consumers' gas
deliveries due to warmer temperatures during the first quarter of 1997.
For further information, see the individual results of operations sections
of this MD&A.


Cash Position, Investing and Financing

CMS Energy's primary ongoing source of operating cash is dividends from
its subsidiaries. In April 1997, Consumers declared a $70 million common
dividend to be paid to CMS Energy in May 1997. Consumers had temporarily
suspended its common dividends from mid-1995 until early 1996 to improve
its capital structure. In the first quarter of 1997, Enterprises paid
common dividends and other distributions of $21 million to CMS Energy.

Operating Activities: CMS Energy's consolidated operating cash
requirements are met by its operating and financing activities.
CMS Energy's consolidated cash from operations is derived mainly from
Consumers' sale and transportation of natural gas, Consumers' generation,
transmission, and sale of electricity and CMS NOMECO's sale of oil and
natural gas. Consolidated cash from operations totaled $379 million and
$349 million for the first three months of 1997 and 1996, respectively.
The $30 million increase resulted from changes in the timing of cash
receipts and payments related to Consumers' operations, offset by reduced
cash from Consumers' gas sales. CMS Energy uses its operating cash
primarily to expand its international businesses, maintain and expand
Consumers' electric and gas systems, retire portions of its long-term debt
and pay dividends.

Investing Activities: Net cash used in investing activities totaled $157
million and $225 million for the first three months of 1997 and 1996,
respectively. The decrease of $68 million primarily reflects a decrease
in investments in partnerships and unconsolidated subsidiaries, partially
offset by an increase in capital expenditures during 1997. CMS Energy's
1997 expenditures for its utility and international businesses were $82
million and $62 million, respectively.

Financing Activities: Net cash used in financing activities totaled $221
million and $138 million for the first three months of 1997 and 1996,
respectively. The increase of $83 million in cash outflows primarily
reflects the issuance of preferred securities in 1996.

In 1996, CMS Energy filed shelf registration statements with the SEC for
the issuance and sale of up to $125 million of Series B GTNs and $150
million Series C GTNs, with net proceeds to be used for general corporate
purposes. During the first quarter of 1997 CMS Energy issued $22 million
of Series B and $11 million of Series C GTNs. At March 31, 1997,
CMS Energy had $250 million of Series A GTNs, $125 million of Series B
GTNs and $11 million of Series C GTNs issued and outstanding with
weighted-average interest rates of 7.7 percent, 7.9 percent and 7.9
percent, respectively.

In 1996, CMS Energy filed a shelf registration statement with the SEC for
the issuance and the sale of up to $500 million of senior and subordinated
debt securities. In May 1997, CMS Energy issued $350 million of senior
unsecured notes due May 15, 2002, at an interest rate of 8.125 percent.
Proceeds were used in part to pay down debt with the remainder to fund
CMS Energy's equity commitment in connection with the acquisition of a 50
percent interest in the 2,000 MW Loy Yang A electric generating plant and
associated mine facilities in the State of Victoria, Australia.

In the first quarter of 1997, CMS Energy declared and paid $26 million in
cash dividends to holders of CMS Energy Common Stock and $2 million in
cash dividends to holders of Class G Common Stock. In April 1997, the
Board of Directors declared quarterly dividends of $.27 per share on
CMS Energy Common Stock and $.295 per share on Class G Common Stock to be
paid in May 1997.

Other Investing and Financing Matters: CMS Energy has available
unsecured, committed lines of credit totaling $155 million and a $450
million unsecured revolving credit facility. At March 31, 1997 and 1996,
the total amount utilized under these facilities was $216 million and $242
million, respectively. In addition, CMS Energy currently has an unsecured
$125 million term loan. CMS Energy is negotiating with a group of banks
to replace the unsecured revolving credit facility and the term loan with
a credit facility or facilities consisting of a combination of unsecured
revolving credit and term loan tranches. CMS Energy expects that the
aggregate borrowing capacity under the new facility or facilities may
range from $725 million to $1.125 billion. CMS Energy expects to enter
into such new credit facility or facilities in the second quarter of 1997.
CMS Energy would also continue to have available the unsecured, committed
lines of credit totaling $155 million. CMS Energy will continue to
evaluate capital markets in 1997 as a source of financing its
subsidiaries' investing activities and required debt retirements.

Consumers has several unsecured, committed lines of credit totaling $120
million and a $425 million working capital facility available to meet
short-term borrowing requirements to finance working capital and gas in
storage, and to pay for capital expenditures between long-term financings.
At March 31, 1997 and 1996, the total outstanding under these facilities
was $88 million and $38 million, respectively. Consumers has FERC
authorization to issue or guarantee up to $900 million of short-term
securities through 1998 and to issue $500 million of long-term securities
through November 1998 for refinancing or refunding purposes. An agreement
is also in place permitting the sales of certain accounts receivable for
up to $500 million. At March 31, 1997 and 1996, receivables sold totaled
$398 million and $280 million, respectively.

At March 31,1997, the book value per share of CMS Energy Common Stock and
Class G Common Stock was $17.62 and $12.06, respectively.


Consumers' Electric Business Unit Results of Operations

Electric Pretax Operating Income:

In Millions
Three Months Twelve Months
Ended March 31 Ended March 31
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996

Sales (including special contract discounts) $(3) $(12)
Rate increases and other regulatory issues 9 51
Operations and maintenance (3) (4)
General taxes and depreciation (3) (11)
---- ----

Total change $ - $ 24
==== ====

Electric Sales: Total electric sales remained unchanged for the first
quarter while showing a 3.4 percent increase for the twelve months ended
March 31, 1997 over the comparable 1996 period. The table below reflects
electric kWh sales by class of customer for both periods:

In Billions of kWh
Three Months Ended Twelve Months Ended
March 31 1997 1996 Change 1997 1996 Change

Residential 2.9 3.0 (0.1) 10.9 10.9 -
Commercial 2.4 2.4 - 10.0 9.8 0.2
Industrial 3.0 2.9 0.1 13.0 12.6 0.4
Other 0.7 0.7 - 3.2 2.6 0.6
---- ---- ---- ---- ---- ----

Total sales 9.0 9.0 - 37.1 35.9 1.2
==== ==== ==== ==== ==== ====

Power Costs:

In Millions
March 31 1997 1996 Change

Three months ended $ 282 $ 260 $ 22
Twelve months ended 1,110 1,003 107

The cost increases for the three month and twelve month periods ended
March 31, 1997 reflect greater power purchases from outside sources to
meet sales demand.


Consumers' Electric Business Unit Issues

Power Purchases from the MCV Partnership: Consumers' annual obligation to
purchase capacity from the MCV Partnership is 1,240 MW through the
termination of the PPA in 2025. The MPSC currently allows Consumers to
recover substantially all payments for 915 MW of capacity purchased from
the MCV Partnership. Beginning January 1, 1996, Consumers was also
permitted to recover an average capacity charge of 2.86 cents per kWh for
the remaining 325 MW of MCV Facility capacity. The approved average
capacity charge increased to 3.62 cents per kWh for 109 MW by January 1,
1997. The recoverable portion of the capacity charge for the last 216 MW
of the 325 MW increases each year until it reaches 3.62 cents per kWh in
2004, and remains at this ceiling rate through the end of the PPA term.
In 1992, Consumers recognized a loss for the present value of the
estimated future underrecoveries of power purchases from the MCV
Partnership and that estimate remains unchanged.

Consumers anticipates it will continue to experience cash underrecoveries
associated with the PPA as shown below. These after-tax cash
underrecoveries totaled $10 million for the first three months of 1997.
For further information, see Note 2.

In Millions
1997 1998 1999 2000 2001

Estimated cash under-
recoveries, net of tax $28 $23 $22 $21 $20

The amount of underrecoveries of power costs continues to be based, in
part, on management's best assessment of the future availability of the
MCV Facility. If the MCV Facility operates at levels above management's
estimate over the remainder of the PPA, future losses will need to be
recognized over and above amounts previously recorded and Consumers would
experience greater amounts of cash underrecoveries than originally
anticipated. Management will continue to evaluate the adequacy of the
accrued liability considering actual facility operations.

Electric Rate Proceedings: In 1996, the MPSC issued a final order which
authorized Consumers to recover the costs associated with the purchase of
the additional 325 MW of MCV Facility capacity and to accelerate recovery
of its nuclear plant investment by charging $18 million of annual steam
production plant depreciation expense to the nuclear production
depreciation reserve. It also established a direct access program.
Rehearing petitions have been ruled upon by the MPSC and resulted in no
material changes to the relief granted Consumers. For further discussion
on these issues, see Notes 2 and 3.

Nuclear Matters: In January 1997, the NRC issued its Systematic
Assessment of Licensee Performance report for Palisades. The report rated
all areas as good, unchanged from the previous assessment.

Consumers is required to make certain calculations and report to the NRC
about the continuing ability of the Palisades reactor vessel to withstand
postulated pressurized thermal shock events during its remaining license
life, in light of the embrittlement of reactor vessel materials over time
due to operation in a radioactive environment. Based on continuing
analysis of data from testing of similar materials, in 1996, Consumers
received an interim Safety Evaluation Report from the NRC indicating that
the reactor vessel can be safely operated through 2003, before reaching
the NRC's screening criteria for reactor embrittlement. Consumers
believes that with a change in fuel management designed to minimize
embrittlement, Palisades might be operated to the end of its license life
in the year 2007 without annealing of the reactor vessel, but will
continue to monitor the matter.

Palisades' on-site storage pool for spent nuclear fuel is at capacity.
Consequently, NRC-approved dry casks, which are steel and concrete vaults,
are being used for temporary on-site storage. For further information,
see Note 7.

Electric Environmental Matters: The Clean Air Act contains significant
environmental constraints under which utilities will operate in the
future. While the Act's provisions will require that certain capital
expenditures be made to comply with nitrogen oxide emission limits,
generating units are currently operating at or near the sulfur dioxide
emission limits that will be effective in the year 2000. Management does
not believe that these expenditures will have a material effect on annual
operating costs.

Under the Michigan Natural Resources and Environmental Protection Act,
Consumers expects that it will ultimately incur investigation and remedial
action costs at a number of sites, and believes that these costs are
properly recoverable in rates under current ratemaking policies.

Consumers is a so-called potentially responsible party at several sites
being administered under Superfund. In addition, there are numerous
credit worthy, potentially responsible parties with substantial assets
cooperating with respect to the individual sites. Based on current
information, management believes it is unlikely that the liability at any
of the known Superfund sites, individually or in total, will have a
material adverse effect on CMS Energy's financial position, liquidity or
results of operations. For further information regarding electric
environmental matters, see Note 6.

Stray Voltage: A number of lawsuits have been filed against Consumers
relating to the effect of so-called stray voltage on certain livestock.
As of April 30, 1997, 18 separate stray voltage lawsuits were awaiting
trial court action, down from 22 lawsuits at year end 1996. CMS Energy
believes that the resolution of the remaining lawsuits will not have a
material impact on its financial position, liquidity or results of
operations.


Consumers Gas Group Results of Operations

Gas Pretax Operating Income:

In Millions
Three Months Twelve Months
Ended March 31 Ended March 31
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996

Sales $ (17) $(19)
Recovery of gas costs and other issues - 4
Gas wholesale services activities (1) 5
Operations and maintenance 4 (3)
General taxes, depreciation and other (1) -
---- ----

Total change $(15) $(13)
==== ====

Gas Deliveries: Total system deliveries, excluding transport to the MCV
Facility and other miscellaneous transportation, decreased 7.8 percent and
4.2 percent for the quarter and twelve months ended March 31, 1997,
respectively. The decreased deliveries for both periods reflect warmer
temperatures during 1997. The table below indicates total deliveries and
the impact of weather.

In bcf
Three Months Ended Twelve Months Ended
March 31 1997 1996 Change 1997 1996 Change

Weather-adjusted deliveries
(variance reflects growth) 146 145 1 335 332 3
Impact of weather and leap year (4) 9 (13) 5 23 (18)
---- ---- ---- ---- ---- ----
System deliveries excluding
transport to MCV Partnership 142 154 (12) 340 355 (15)
Transport to MCV Partnership 17 17 - 66 56 10
Other Transportation 9 14 (5) 24 24 -
---- ---- ---- ---- ---- ----

Total deliveries 168 185 (17) 430 435 (5)
==== ==== ==== ==== ===== ====
Cost of Gas Sold:

In Millions
March 31 1997 1996 Change

Three months ended $314 $346 $(32)
Twelve months ended 718 739 (21)

The decreases for the three month and twelve month periods ended March 31,
1997 were the result of decreased sales reflecting warmer temperatures and
an extra day for leap year in 1996.


Consumers Gas Group Issues

Gas Rate Proceedings: Consumers entered into a special natural gas
transportation contract with one of its transportation customers in
response to the customer's proposal to bypass Consumers' system in favor
of a competitive alternative. The contract provides for discounted gas
transportation rates in an effort to induce the customer to remain on
Consumers' system. In 1995, the MPSC approved the contract but stated
that the revenue shortfall created by the difference between the
contract's discounted rate and the floor price of an MPSC-authorized gas
transportation rate must be borne by Consumers' shareholders. In 1995,
Consumers filed an appeal with the Court of Appeals, which is still
pending, claiming that the MPSC decision denies Consumers the opportunity
to earn its authorized rate of return and is therefore unconstitutional.

GCR Matters: In 1995, the MPSC issued an order regarding a $44 million
(excluding interest) gas supply contract pricing dispute between Consumers
and certain intrastate producers. The order stated that Consumers was not
obligated to seek prior approval of market-based pricing provisions that
were implemented under the contracts in question. The producers
subsequently filed a claim of appeal of the MPSC order with the Court of
Appeals. Consumers believes the MPSC order correctly concludes that the
producers' theories are without merit and will vigorously oppose any
claims they may raise, but cannot predict the outcome of this issue.

In the GCR reconciliation proceeding for the period April 1995 through
March 1996, an issue has arisen questioning whether revenue from gas
loaning (which was a new business activity for Consumers) should, in whole
or in part, be immediately passed through to customers. The ALJ issued a
proposal for decision in January 1997 that agreed with the MPSC staff's
position that the gas loaning program uses storage assets of Consumers and
therefore recommended that 90 percent of the revenue should be refunded to
customers. As of March 31, 1997, $7 million would be subject to refund if
the MPSC adopts the ALJ position. Consumers will continue to oppose this
view before the MPSC.

Gas Environmental Matters: Consumers expects that it will ultimately
incur investigation and remedial action costs at a number of sites,
including some that formerly housed manufactured gas plant facilities.
Data available, and continued internal review of these former manufactured
gas plant sites, have resulted in an estimate for all costs related to
investigation and remedial action of between $48 million and $98 million.
These estimates are based on undiscounted 1997 costs. At March 31, 1997,
Consumers has accrued a liability for $48 million and has established a
regulatory asset for approximately the same amount. Any significant
change in assumptions such as remediation technique, nature and extent of
contamination and regulatory requirements, could affect the estimate of
remedial action costs for the sites. For further information regarding
environmental matters, see Note 6.


Oil and Gas Exploration and Production

Pretax Operating Income: Pretax operating income for the three months
ended March 31, 1997 was the same as the comparable period in 1996, as a
result of higher oil production volumes offset by lower oil and gas prices
and gas volumes, and higher operating expenses. Pretax operating income
for the twelve months ended March 31, 1997 increased $15 million over the
twelve months ended March 31, 1996, primarily due to higher sales volumes
and oil sales prices and income attributable to the acquisition of Terra.

Capital Expenditures: Capital expenditures for the three months ended
March 31, 1997 relate primarily to the development of existing oil and gas
reserves.


Independent Power Production

Pretax Operating Income: Pretax operating income for the three months
ended March 31, 1997 increased $4 million from the same period in 1996,
primarily reflecting higher electricity sales by the Midland Cogeneration
Venture, additional generating capacity and improved equity earnings.
These increases were partially offset because the first quarter 1996
included a gain resulting from a lawsuit settlement. Pretax operating
income for the twelve months ended March 31, 1997 increased $33 million
from the same period in 1996, primarily reflecting a gain on the sale of a
power purchase agreement by a partnership in which CMS Generation owns a
50 percent interest, a gain on the sale of a partnership interest in 1996
and increased operating income resulting from higher electricity sales by
the MCV and a refund received by the MCV Partnership.

Capital Expenditures and Other: In 1996, CMS Generation, through a
subsidiary, commenced construction of the La Plata Cogeneration Plant, a
128 MW natural gas-fueled, combined-cycle power plant in Buenos Aires
Province, Argentina. Construction of the $110 million plant being built
on the site of a petroleum refinery owned and operated by YPF S.A.,
Argentina's largest oil company, is scheduled to be completed by the fall
of 1997. Also in 1996, CMS Generation increased its ownership interest in
the project from 39 percent to 100 percent by purchasing the remaining 61
percent from a consortium of Argentine investors. The Overseas Private
Investment Corporation is expected to provide $75 million in non-recourse
project financing for the facility.

In 1996, CMS Generation, through a subsidiary, and an affiliate of ABB
signed an agreement with Morocco's national utility, Office National de
l'Electricite, for the privatization, expansion and operation of the 1,320
MW Jorf Lasfar coal-fueled power plant located southwest of Casablanca.
The agreement covers the purchase and operation of two existing 330 MW
electric generating units and construction and operation of another two
330 MW electric generating units by CMS Generation and ABB.
CMS Generation and ABB each will hold a 50 percent interest in the plant.
CMS Energy posted a $30 million conditional letter of credit to ensure
closing under the agreement, which is targeted for the third quarter of
1997 and includes over $1 billion in debt financing. Construction of the
second two units will begin shortly thereafter.

In 1996, CMS Generation, through a subsidiary, increased its ownership
interest in CTM to 81 percent. In 1996, CTM began a project to repower
its electric generating plant in Western Argentina's Mendoza Province.
CMS Generation currently plans to invest $185 million to refurbish and
repower the facility resulting in an increase in the plant's available net
output from 243 MW to 506 MW. Capital markets financing of $85 million is
targeted for the first half of 1997.

In the first quarter of 1997, the plant built by GVK began generating
electricity from all three of its combustion turbines. CMS Generation
holds a 25.25 percent interest in GVK and operates the 235 MW plant.
Construction is continuing on the steam turbine of the combined-cycle
facility which has an estimated total cost of $260 million. GVK has
received a Government of India counter-guarantee of performance of certain
obligations under the power purchase agreement by the Andhra Pradesh State
Electricity Board and has completed financing in April 1997.

As of January 1, 1997, Jamaica Private Power Company achieved commercial
operation of the two diesel generators at its 60 MW diesel-fired
independent power project in Kingston, Jamaica. CMS Generation, through a
subsidiary, holds a 44 percent interest in Jamaica Private Power Company
and a 60 percent interest in Private Power Operators Limited, which will
operate the plant. Construction on the balance of the plant, including
the 4 MW waste heat steam turbine, will be complete in the first half of
1997.

In the first quarter of 1997, CMS Generation, through a subsidiary,
acquired a 29.5 percent interest in a 48 MW fossil-fueled plant in
Cavite, on the island of Luzon in the Philippines. CMS Generation also
negotiated the purchase of a further interest which could take its
ultimate interest to 44 percent, and has plans to increase the plant's
generating capacity to 63 MW in 1998.

In March 1997, CMS Generation formed a joint venture with the Thailand-
based EGCO Engineering & Services Company Limited, an affiliate of
Electric Generating Authority of Thailand, the country's national electric
utility, to operate and maintain private power plants in Thailand. The
joint venture, known as CMESCO, signed a contract with Thailand's Amata-
EGCO Power Limited, to operate and maintain a 170 MW gas-fired
cogeneration plant in July 1997. The combined-cycle power plant is now
under construction, with completion scheduled in 1998.

In May 1997, a consortium comprised of subsidiaries of CMS Generation and
NRG Energy, Inc. as well as Horizon Energy Australia Investments acquired
the Loy Yang A power facility in a privatization by the Australian State
of Victoria. Loy Yang A is Victoria's largest electric generating plant
and Australia's lowest-cost electric generating facility. The consortium
purchased the 2,000 MW, brown coal-fueled Loy Yang A plant and an
associated coal mine supplying both the Loy Yang A and B plants at a
purchase price of $3.7 billion. Seventy seven percent of this acquisition
cost was project financed by a consortium of banks with the remaining
twenty three percent of the payment to the government comprised of partner
equity. CMS Generation holds a fifty percent ownership interest and NRG
Energy and Horizon Energy Australia Investments each hold twenty five
percent. Certain operating and management services for Loy Yang A will be
provided by the CMS Generation and NRG Energy subsidiaries and their
affiliates.


Natural Gas Transmission, Storage and Processing

Pretax Operating Income: Pretax operating income for the three months
ended March 31, 1997 increased $3 million from the same period in 1996,
primarily reflecting new pipeline, storage and processing investments,
continued growth of existing projects and a gain on the sale of a portion
of the Ames gas gathering system. Pretax operating income for the twelve
months ended March 31, 1997 increased $13 million from the twelve months
ended March 31, 1996, reflecting new pipeline, storage and processing
investments, primarily TGN, the continued growth of existing projects, and
the exchange of ownership interests in the Moss Bluff and Grands Lacs
partnerships.

Capital Expenditures and Other: In the first quarter of 1997, CMS Gas
Transmission and ENDESA, Chile's largest electricity generation and
transmission company, signed an agreement to develop an integrated $820
million project to construct a 930 kilometer pipeline that will transport
natural gas across the Andes Mountains from northern Argentina to markets
in northern Chile. A 720 MW gas-fueled, combined-cycle generating plant
is planned to be built in two stages at the end of the pipeline in Chile
by a consortium including Enterprises. Construction is scheduled to
begin in 1997, with gas transportation and plant operations expected in
1999.

In the first quarter of 1997, CMS Gas Transmission with Columbia Gas
System, Inc., MCN Energy Group and Westcoast Energy announced a proposed
$600 million pipeline project to carry up to 650 million cubic feet per
day of natural gas to New York and other eastern markets. The Millennium
Pipeline would provide a new, 380-mile link through a connection with the
Great Lakes and TransCanada pipeline systems, flowing western Canadian and
U.S. gas to northeastern markets. Construction is scheduled to begin mid-
1999, and gas deliveries are planned to begin in time for the 1999 winter
heating season.

In May 1997, CMS Gas Transmission announced it will acquire the 420-
kilometer (260-mile) Western Australia Natural Gas (WANG) Pipeline near
Perth, Australia. CMS Gas Transmission agreed to purchase the West
Australian Petroleum-operated assets from Chevron, Texaco, Mobil and
Shell. Included in the acquisition are 30 bcf of proven natural gas
reserves with two gas production licenses and an associated gas storage
facility in pre-operational testing. Terms of the purchase were not
disclosed.


Marketing, Services and Trading

CMS MST was formed as part of CMS Energy's expansion and reorganization of
its energy marketing business. This restructuring is expected to
significantly improve CMS Energy's competitive position in the energy
marketplace throughout the U.S. and abroad. CMS MST will provide gas,
electric, oil and coal marketing, risk management and energy management
services throughout the United States and eventually worldwide. Gas
marketed for end users was 33 bcf and 29 bcf for the first quarter of
1997 and 1996, respectively.


International Energy Distribution

Capital Expenditures: In 1996, a seven-company consortium in which
CMS Electric and Gas holds a 40 percent interest, acquired 90 percent of
the outstanding shares of EDEER S.A. for $160 million. EDEER S.A. serves
over 200,000 customers, primarily residential and commercial, in a 55,000
square kilometer area. In 1996, the Entre Rios Province transferred
ownership and operating management of EDEER S.A. to the consortium.


Forward-Looking Information

Forward-looking information is included throughout this Form 10-Q.
Material contingencies are also described in the Condensed Notes to
Consolidated Financial Statements and should be read accordingly.

Some important factors that could cause actual results or outcomes to
differ materially from those discussed in the forward-looking statements
include prevailing domestic and foreign governmental policies and
regulatory actions (including those of the FERC and the MPSC) with respect
to rates, industry and rate structure, operation of nuclear power
facilities, acquisition and disposal of assets and facilities, operation
and construction of plant facilities, operation and construction of
natural gas pipeline and storage facilities, recovery of the cost of
purchased power or natural gas, decommissioning costs, and present or
prospective wholesale and retail competition, among others. The business
and profitability of CMS Energy are also influenced by economic and
geographic factors, including political and economic risks (particularly
those associated with international development and operations, including
currency fluctuation), changes in environmental laws and policies, weather
conditions, competition for retail and wholesale customers, pricing and
transportation of commodities, market demand for energy, inflation,
capital market conditions, unanticipated development project delays or
changes in project costs, and the ability to secure agreement in pending
negotiations (particularly for projects in development), among other
important factors. All such factors are difficult to predict, contain
uncertainties that may materially affect actual results, and may be beyond
the control of CMS Energy.

Capital Expenditures: CMS Energy estimates the following capital
expenditures, including new lease commitments and investments in
partnerships and unconsolidated subsidiaries, will total $3.2 billion over
the next three years. Cash generated by operations is expected to satisfy
a substantial portion of capital expenditures. Nevertheless, CMS Energy
will continue to evaluate capital markets in 1997 as a potential source of
financing its subsidiaries' investing activities. CMS Energy estimates
capital expenditures by business segment over the next three years as
follows:

In Millions
Years Ended December 31 1997 1998 1999

Consumers electric operations (a) $ 270 $ 277 $ 257
Consumers gas operations (a) 115 103 103
Oil and gas exploration and production 135 150 165
Independent power production (b) 698 173 117
Natural gas transmission and storage 110 100 75
International energy distribution 120 100 100
Marketing, services and trading 17 7 3
------ ------ ------

$1,465 $ 910 $ 820

====== ====== ======

(a) These amounts include an attributed portion of Consumers' anticipated
capital expenditures for plant and equipment common to both the electric
and gas businesses.

(b) The 1997 amount includes approximately $500 million for the
acquisition of a 50 percent ownership interest in the privatization of the
Loy Yang A electric generating plant in Australia.

CMS Energy currently plans to invest $450 million from 1997 to 1999 in its
oil and gas exploration and production operations, primarily in North and
South America, offshore West Africa and North Africa. CMS Energy also
plans to invest $988 million in its independent power production
operations from 1997 to 1999 to pursue acquisitions and development of
electric generating plants in the United States, Latin America, Southern
Asia, Australia, the Pacific Rim region and North Africa. Investments
totaling $285 million from 1997 to 1999, relating to non-utility gas
operations, are planned to continue development of natural gas storage,
gathering and pipeline operations both domestically and internationally.
CMS Energy plans to invest $320 million from 1997 to 1999 in its
international energy distribution operations related to international
expansion. CMS MST plans to invest $27 million from 1997 to 1999 to
provide gas, electric, oil and coal marketing, risk management and energy
management services throughout the United States and eventually worldwide.


These estimates are prepared for planning purposes and are subject to
revision.

Consumers Electric Outlook: Consumers expects average annual growth of
two to three percent per year in electric system sales over the next five
years, based on the current industry configuration in Michigan. Actual
electric sales in future periods may be affected by abnormal weather,
changing economic conditions, or the developing competitive market for
electricity. Consumers continues to work toward retaining its current
retail service customers by offering electric rates that are competitive
with those of other energy providers, and by improving reliability and
customer communications. Consumers is also planning for a future
environment in which open access is the predominant means by which retail
service customers obtain their power requirements.

Consumers' electric retail service is affected by competition in several
areas, including the potential installation of cogeneration or other self-
generation facilities by larger industrial customers; the formation of
municipal utilities that would displace retail service to an entire
community; competition from other utilities that offer flexible rate
arrangements designed to encourage movement of facilities or production to
their service areas; economic development competition between utilities;
MPSC direct access programs and potential electric industry restructuring
caused by regulatory decisions and new state or federal legislation.

In 1996, the MPSC reduced the rate subsidization of residential customers
by large industrial and commercial customers. In addition, in an effort
to meet the challenge of competition, Consumers contracted with some of
its largest industrial customers to serve certain facilities a number of
years into the future. These contracts have been approved or are under
review at the MPSC. FERC issued Orders 888 and 889, as amended on
rehearing, requiring utilities to provide open access to the interstate
transmission grid for wholesale transactions. Several FERC requirements
have been implemented. However, one unresolved issue concerns the
Michigan Electric Power Coordination Center Pool, currently operated
jointly by Consumers and Detroit Edison. Consumers proposes to maintain
the benefits of the pool, while Detroit Edison seeks to terminate the
power pool agreement. The FERC is expected to rule on this issue in 1997.

In 1996, the MPSC staff recommended: 1) a program of direct access to
alternative sources of energy supply by retail electric customers starting
in 1997 and phasing in all customers through 2004; and 2) that Consumers
recover its transition costs through either a transition charge over a
ten-year period ending 2007 only to customers electing direct access or,
if the utility has been enabled to issue rate reduction bonds, through a
securitization charge to all customers over the term of the bonds.
Consumers would continue to provide delivery service to direct access
customers. In March 1997, Consumers filed data with the MPSC which
estimated that the portion of Consumers' transition costs which would be
recovered in the transition charge to direct access customers through 2007
would be $1.8 billion. Direct access implementation costs aggregating an
additional $200 million would also be recovered by a separate charge to
direct access customers. Alternatively, if the securitization approach is
pursued, the resulting securitization charge would be paid by all
Consumers customers to service $4 billion of rate reduction bonds. The $4
billion in rate reduction bonds includes the $1.8 billion of costs that
would otherwise have been recovered in the transition charge to direct
access customers, as well as the costs that would otherwise have been
recovered from customers on bundled rates prior to getting choice.
Consumers' data indicate that the securitization approach results in more
than a $200 million annual savings to customers compared to the rates they
would pay under the MPSC staff program in the absence of securitization
because the assumed 15-year repayment period of the bonds allows the cost
reimbursement by the customer to be spread out over a longer period than
without securitization and because securitization allows securitized costs
to be financed at a lower rate.

Several of the elements of electric utility restructuring will need to be
addressed in legislation, including assurance of full transition cost
recovery, securitization of rate reduction bonds and generation
deregulation. Consumers currently expects that electric utility
restructuring will occur in a manner consistent with the MPSC staff
report, but cannot predict with certainty the timing of actual
implementation, the extent of customer choice, or resultant financial
impacts. Refer to the Consumers 1996 Form 10-K for further details.

Consumers currently applies the utility accounting standard, SFAS 71, that
recognizes the economic effects of rate regulation and, accordingly,
Consumers recorded regulatory assets and liabilities related to its
generation, transmission and distribution operations in its financial
statements. If rate recovery of generation-related costs becomes unlikely
or uncertain, whether due to competition or regulatory action, this
accounting standard may no longer apply to Consumers' generation segment.
Such a change could result in either full recovery of generation-related
regulatory assets (net of related regulatory liabilities) or a loss,
depending on whether Consumers' regulators adopt a transition mechanism
for the recovery of all or a portion of these net regulatory assets.
Based on a current evaluation of the various factors and conditions that
are expected to affect future cost recovery, Consumers believes even if it
was to discontinue application of SFAS 71 for the generation segment of
its business, that its regulatory assets, including those related to
generation, are probable of future recovery.

Consumers Gas Group Outlook: Consumers currently anticipates gas
deliveries (excluding transportation to the MCV Facility and off-system
deliveries) to grow on an average annual basis between one and two percent
over the next five years based primarily on a steadily growing customer
base. Consumers has several strategies to increase load requirements.
These strategies include increased efforts to promote natural gas to both
current and potential customers that are using other fuels for space and
water heating. In addition, as air quality standards continue to become
more stringent, management believes that greater opportunities exist for
converting industrial boiler load and other processes to natural gas.
Consumers also plans additional capital expenditures to construct new gas
mains that are expected to expand Consumers' system. Actual gas
deliveries in future periods may be affected by abnormal weather,
alternative energy prices, changes in competitive conditions, and the
level of natural gas consumption. Consumers is also offering a variety of
energy-related services to its customers focused upon appliance
maintenance, home safety, and home security.

In 1996 the MPSC issued an order requesting Consumers and other local gas
distribution companies, whose rates are regulated by the MPSC, to develop
pilot programs that would allow customers to purchase gas directly from
other suppliers and have the gas transported through local pipelines.
These pilot programs are to last for two years and are intended to help
the MPSC determine whether it is appropriate to extend this option to all
retail customers. In December 1996, the MPSC approved Consumers' pilot
program for 40,000 customers in Bay County. The first customer
solicitation ended in March 1997 and resulted in one percent of the
customers choosing an alternative supplier for the next year. Another
solicitation period will begin in late 1997 for the period April 1998 -
March 1999; expected customer interest is unknown at this time.

Based on a regulated utility accounting standard, SFAS 71, Consumers is
allowed to defer certain costs to the future and record regulatory assets,
based on the recoverability of those costs through the MPSC's approval.
Consumers has evaluated its regulatory assets related to its gas business,
and believes that sufficient regulatory assurance exists to provide for
the recovery of these deferred costs.


Other

New Accounting Standards: In 1997, the FASB issued SFAS 128, Earnings per
Share, which is effective for year end 1997 financial statements. The
Earnings per Share statement requires dual presentation of basic and
diluted EPS on the face of the income statement for all entities with
complex capital structures. Diluted EPS reflects the potential dilution
that could occur if securities or other contracts to issue common stock
were exercised or converted into common stock or resulted in the issuance
of common stock that then shared in the earnings of the entity. Basic EPS
excludes such dilution. The company is in the process of quantifying the
effect of applying the statement.
19

<TABLE>
CMS Energy Corporation
Consolidated Statements of Income
(Unaudited)
<CAPTION>
Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996
In Millions, Except Per Share Amounts
<S> <C> <C> <C> <C>
Operating Revenue
Electric utility $ 620 $ 591 $2,474 $2,328
Gas utility 498 548 1,231 1,261
Oil and gas exploration and production 35 31 134 107
Independent power production 29 27 143 100
Natural gas transmission, storage and processing 26 12 76 32
Marketing, services and trading 99 71 286 209
Other 6 3 19 19
------ ------ ------ ------
1,313 1,283 4,363 4,056
------ ------ ------ ------
Operating Expenses
Operation
Fuel for electric generation 69 73 292 289
Purchased power - related parties 151 140 600 507
Purchased and interchange power 62 47 218 207
Cost of gas sold 416 411 1,002 927
Other 169 170 735 695
------ ------ ------ ------
867 841 2,847 2,625
Maintenance 41 40 179 180
Depreciation, depletion and amortization 131 124 448 426
General taxes 61 59 204 199
------ ------ ------ ------
1,100 1,064 3,678 3,430
------ ------ ------ ------
Pretax Operating Income (Loss)
Electric utility 106 106 412 388
Gas utility 78 93 143 156
Oil and gas exploration and production 9 9 39 24
Independent power production 10 6 72 39
Natural gas transmission, storage and processing 9 6 29 16
Marketing, services and trading 1 2 1 3
Other - (3) (11) -
------ ------ ------ ------
213 219 685 626
------ ------ ------ ------
Other Income (Deductions)
Accretion income 2 3 9 11
Accretion expense (5) (7) (19) (30)
Other, net 1 2 (1) 6
------ ------ ------ ------
(2) (2) (11) (13)
------ ------ ------ ------
Fixed Charges
Interest on long-term debt 60 57 233 225
Other interest 11 12 43 43
Capitalized interest (3) (2) (9) (9)
Preferred dividends 7 7 28 28
Preferred securities distributions 2 1 8 1
------ ------ ------ ------
77 75 303 288
------ ------ ------ ------
Income Before Income Taxes 134 142 371 325

Income Taxes 50 54 135 119
------ ------ ------ ------
Consolidated Net Income $ 84 $ 88 $ 236 $ 206
====== ====== ====== ======
Net Income Attributable to Common Stocks CMS Energy $ 75 $ 76 $ 225 $ 191
Class G $ 9 $ 12 $ 11 $ 15
------ ----- ------ -----
Average Common Shares Outstanding CMS Energy 95 92 93 90
Class G 8 8 8 8
------ ----- ------ -----
Earnings Per Average Common Share CMS Energy $ .79 $ .83 $ 2.41 $ 2.12
Class G $ 1.18 $ 1.50 $ 1.53 $ 1.90
------ ----- ------ -----
Dividends Declared Per Common Share CMS Energy $ .27 $ .24 $ 1.05 $ .93
Class G $ .295 $ .28 $1.165 $ .84
====== ===== ====== =====
<FN>

The accompanying condensed notes are an integral part of these statements.

/TABLE
20

<TABLE>

CMS Energy Corporation
Consolidated Statements of Cash Flows
(Unaudited)

<CAPTION>

Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Cash Flows from Operating Activities
Consolidated net income $ 84 $ 88 $ 236 $ 206
Adjustments to reconcile net income to net cash
provided by operating activities
Depreciation, depletion and amortization (includes
nuclear decommissioning of $13, $13, $48
and $51, respectively) 131 124 448 426
Capital lease and debt discount amortization 8 9 40 52
Deferred income taxes and investment tax credit 3 6 43 52
Accretion expense 5 7 19 30
Accretion income - abandoned Midland project (2) (3) (9) (11)
Power purchases (15) (12) (66) (112)
Undistributed earnings of related parties (13) (21) (56) (62)
Other (6) 7 8 14
Changes in other assets and liabilities 184 144 28 106
------ ------ ------ ------
Net cash provided by operating activities 379 349 691 701
------ ------ ------ ------
Cash Flows from Investing Activities
Capital expenditures (excludes assets placed under
capital lease) (132) (110) (681) (514)
Investments in nuclear decommissioning trust funds (13) (13) (48) (51)
Investments in partnerships and unconsolidated subsidiaries (12) (71) (104) (301)
Cost to retire property, net (4) (6) (28) (39)
Acquisition of companies, net of cash acquired - (20) - (10)
Deferred demand-side management costs - (2) (4) (10)
Other (9) (3) - (12)
Proceeds from sale of property 13 - 92 22
------ ------ ------ ------
Net cash used in investing activities (157) (225) (773) (915)
------ ------ ------ ------
Cash Flows from Financing Activities
Increase (decrease) in notes payable, net (245) (303) 50 (97)
Payment of common stock dividends (28) (24) (107) (90)
Repayment of bank loans (27) (246) (38) (255)
Payment of capital lease obligations (8) (9) (38) (36)
Retirement of bonds and other long-term debt - - (37) (33)
Retirement of common stock - - (1) (1)
Proceeds from bank loans, notes and bonds 70 339 164 464
Issuance of common stock 17 8 104 159
Proceeds from preferred securities - 97 - 97
------ ------ ------ ------
Net cash provided by (used in) financing activities (221) (138) 97 208
------ ------ ------ ------
Net Increase (Decrease) in Cash and Temporary Cash Investments 1 (14) 15 (6)

Cash and Temporary Cash Investments, Beginning of Period 56 56 42 48
------ ------ ------ ------
Cash and Temporary Cash Investments, End of Period $ 57 $ 42 $ 57 $ 42
====== ====== ====== ======

<FN>

The accompanying condensed notes are an integral part of these statements.

</TABLE>
21

<TABLE>

CMS Energy Corporation
Consolidated Balance Sheets

<CAPTION>

ASSETS March 31 March 31
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Plant and Property (At Cost)
Electric $ 6,412 $ 6,333 $ 6,130
Gas 2,374 2,337 2,287
Oil and gas properties (full-cost method) 1,154 1,140 1,096
Other 95 94 86
-------- -------- --------
10,035 9,904 9,599
Less accumulated depreciation, depletion and amortization 4,991 4,867 4,747
-------- -------- --------
5,044 5,037 4,852
Construction work-in-progress 235 243 200
-------- -------- --------
5,279 5,280 5,052
-------- -------- --------
Investments
Independent power production 325 318 297
Natural gas transmission, storage and processing 235 233 235
First Midland Limited Partnership (Note 2) 235 232 226
Midland Cogeneration Venture Limited Partnership (Note 2) 140 134 104
Other 88 86 25
-------- -------- --------
1,023 1,003 887
-------- -------- --------
Current Assets
Cash and temporary cash investments at cost, which approximates market 57 56 42
Accounts receivable and accrued revenue, less allowances
of $9, $10 and $3, respectively (Note 4) 301 373 356
Inventories at average cost
Gas in underground storage 51 186 39
Materials and supplies 89 86 85
Generating plant fuel stock 44 30 16
Deferred income taxes 42 48 22
Prepayments and other 185 235 186
-------- -------- --------
769 1,014 746
-------- -------- --------
Non-current Assets
Postretirement benefits 427 435 458
Nuclear decommissioning trust funds 401 386 323
Abandoned Midland Project 108 113 126
Other 396 384 441
-------- -------- --------
1,332 1,318 1,348
-------- -------- --------
Total Assets $ 8,403 $ 8,615 $ 8,033
======== ======== ========

</TABLE>
22

<TABLE>


<CAPTION>



STOCKHOLDERS' INVESTMENT AND LIABILITIES March 31 March 31
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Capitalization
Common stockholders' equity $ 1,775 $ 1,702 $ 1,541
Preferred stock of subsidiary 356 356 356
Company-obligated mandatorily redeemable preferred securities
of Consumers Power Company Financing I (a) 100 100 100
Long-term debt 2,629 2,842 3,094
Non-current portion of capital leases 99 103 98
-------- -------- --------
4,959 5,103 5,189
-------- -------- --------



Current Liabilities
Current portion of long-term debt and capital leases 668 409 113
Notes payable 88 333 38
Accounts payable 323 348 267
Accrued taxes 228 262 223
Accounts payable - related parties 65 63 60
Accrued interest 49 47 49
Power purchases (Note 2) 47 47 90
Accrued refunds 6 8 28
Other 189 206 187
-------- -------- --------
1,663 1,723 1,055
-------- -------- --------



Non-current Liabilities
Deferred income taxes 689 698 638
Postretirement benefits 529 521 539
Power purchases (Note 2) 167 178 215
Deferred investment tax credit 158 161 168
Regulatory liabilities for income taxes, net 75 66 53
Other 163 165 176
-------- -------- --------
1,781 1,789 1,789
-------- -------- --------


Commitments and Contingencies (Notes 2, 3, 6 and 7)


Total Stockholders' Investment and Liabilities $ 8,403 $ 8,615 $ 8,033
======== ======== ========

<FN>

(a) As described in Note 4 to the Consolidated Financial Statements, the primary asset of Consumers Power Company
Financing I is $103 million principal amount of 8.36% subordinated interest notes due 2015 from Consumers.

The accompanying condensed notes are an integral part of these statements.

</TABLE>
23

<TABLE>

CMS Energy Corporation
Consolidated Statements of Common Stockholders' Equity
(Unaudited)

<CAPTION>

Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Common Stock
At beginning and end of period $ 1 $ 1 $ 1 $ 1
------ ------ ------ ------
Other Paid-in Capital
At beginning of period 2,045 1,951 1,959 1,734
Common stock reacquired - - (1) (1)
Common stock issued:
CMS Energy 16 7 99 100
Class G 1 1 5 125
Common stock reissued - - - 1
------ ------ ------ ------
At end of period 2,062 1,959 2,062 1,959
------ ------ ------ ------
Revaluation Capital
At beginning of period (6) (8) (8) 1
Change in unrealized investment-gain (loss) - - 2 (9)
------ ------ ------ ------
At end of period (6) (8) (6) (8)
------ ------ ------ ------
Retained Earnings (Deficit)
At beginning of period (338) (475) (411) (527)
Consolidated net income 84 88 236 206
Common stock dividends declared:
CMS Energy (26) (22) (98) (84)
Class G (2) (2) (9) (6)
------ ------ ------ ------
At end of period (282) (411) (282) (411)
------ ------ ------ ------
Total Common Stockholders' Equity $1,775 $1,541 $1,775 $1,541
====== ====== ====== ======

<FN>

The accompanying condensed notes are an integral part of these statements.

</TABLE>
24

CMS Energy Corporation
Condensed Notes to Consolidated Financial Statements


These financial statements and their related condensed notes should be
read along with the consolidated financial statements and notes contained
in the 1996 Form 10-K of CMS Energy Corporation that includes the Report
of Independent Public Accountants. Certain prior year amounts have been
reclassified to conform with the presentation in the current year. In the
opinion of management, the unaudited information herein reflects all
adjustments necessary to assure the fair presentation of financial
position, results of operations and cash flows for the periods presented.


1: Corporate Structure and Basis of Presentation

CMS Energy is the parent holding company of Consumers and Enterprises.
Consumers, a combination electric and gas utility company serving the
Lower Peninsula of Michigan, is the principal subsidiary of CMS Energy.
Consumers' customer base includes a mix of residential, commercial and
diversified industrial customers, the largest segment of which is the
automotive industry. Enterprises is engaged in several domestic and
international energy-related businesses including: oil and gas
exploration and production; acquisition, development and operation of
independent power production facilities; energy marketing, risk management
and energy management services to large customers; storage, transmission
and processing of natural gas; and international energy distribution.

CMS Energy uses the equity method of accounting for investments in
companies and partnerships where it has more than a 20 percent but less
than a majority ownership interest and includes these results in operating
income. For the three and twelve month periods ended March 31, 1997,
undistributed equity earnings were $13 million and $56 million,
respectively, and $21 million and $62 million for the three and twelve
months periods ended March 31, 1996.


2: The Midland Cogeneration Venture

The MCV Partnership, which leases and operates the MCV Facility,
contracted to sell electricity to Consumers for a 35-year period beginning
in 1990 and to supply electricity and steam to Dow. Consumers, through
two wholly owned subsidiaries, holds the following assets related to the
MCV Partnership and MCV Facility: 1) CMS Midland owns a 49 percent
general partnership interest in the MCV Partnership; and 2) CMS Holdings
holds, through the FMLP, a 35 percent lessor interest in the MCV Facility.

Summarized Statements of Income for CMS Midland and CMS Holdings:

In Millions
Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996

Pretax operating income $8 $2 $46 $27
Income taxes and other 2 - 14 7
--- --- --- ---

Net income $6 $2 $32 $20
=== === === ===

Power Purchases from the MCV Partnership: Consumers' annual obligation to
purchase capacity from the MCV Partnership is 1,240 MW through the
termination of the PPA in 2025. The PPA provides that Consumers is to pay
the MCV Partnership a minimum levelized average capacity charge of 3.77
cents per kWh, a fixed energy charge, and a variable energy charge based
primarily on Consumers' average cost of coal consumed. Consumers is
recovering capacity charges averaging 3.62 cents per kWh for 915 MW of
capacity, the fixed energy charge, and the prescribed energy charges
associated with the scheduled deliveries within certain hourly
availability limits, whether or not those deliveries are scheduled on an
economic basis. Beginning January 1, 1996, Consumers was also permitted
to recover an average capacity charge of 2.86 cents per kWh for the
remaining 325 MW of MCV Facility capacity. The approved average capacity
charge increased to 3.62 cents per kWh for 109 MW by January 1, 1997. The
recoverable portion of the capacity charge for the last 216 MW of the 325
MW increases each year until it reaches 3.62 cents per kWh in 2004, and
remains at this ceiling rate through the end of the PPA term.

Consumers previously recognized a loss in 1992 for the present value of
the estimated future underrecoveries of power costs under the PPA.
Consumers believes that the original loss recorded remains adequate. At
March 31, 1997 and December 31, 1996, the after-tax present value of the
PPA liability totaled $140 million and $147 million, respectively. The
reduction in the liability since December 31, 1996 reflects after-tax cash
underrecoveries of $10 million partially offset by after-tax accretion
expense of $3 million. The undiscounted after-tax amount associated with
the liability totaled $535 million at March 31, 1997. Consumers
anticipates it will continue to experience cash underrecoveries associated
with the PPA as shown below.

In Millions
1997 1998 1999 2000 2001

Estimated cash under-
recoveries, net of tax $28 $23 $22 $21 $20
=== === === === ===

The amount of underrecoveries of power costs continues to be based, in
part, on management's best assessment of the future availability of the
MCV Facility. If the MCV Facility operates at levels above management's
estimate over the remainder of the PPA, future losses will need to be
recognized over and above amounts previously recorded and Consumers would
experience greater amounts of cash underrecoveries than originally
anticipated. Management will continue to evaluate the adequacy of the
accrued liability considering actual facility operations.

PSCR Matters Related to Power Purchases from the MCV Partnership: As part
of a 1995 decision in the PSCR reconciliation case for 1993, the MPSC
disallowed a portion of the costs related to purchases from the MCV
Partnership, and instead assumed recovery of those costs from wholesale
customers. Consumers believed this was contrary to the terms of an
earlier 1993 settlement order and appealed. The MCV Partnership and ABATE
also filed separate appeals of this order. In November 1996, the Court of
Appeals affirmed the MPSC's 1995 order. Consumers and the MCV Partnership
filed petitions for rehearing of the Court of Appeals opinion, which were
denied in January 1997.


3: Rate Matters

Electric Proceedings: In 1996, the MPSC issued a final order which
authorized Consumers to recover costs associated with the purchase of the
additional 325 MW of MCV Facility capacity (see Note 2) and to accelerate
recovery of its nuclear plant investment by charging $18 million of annual
steam production plant depreciation expense to the nuclear production
depreciation reserve. It also established a direct access program.
Customers having a maximum demand of at least 2 MW are eligible to
purchase generation services directly from any eligible third-party power
supplier. The program is limited to 650 MW of sales, of which 410 MW has
already been filled by existing contracts. An additional 140 MW may be
filled by new special contracts which Consumers has signed and submitted
to the MPSC for approval or direct access customers and the remaining 100
MW must be made available solely to direct access customers for at least
18 months. In April 1997, a lottery was held to select the customers to
purchase 100 MW by direct access.

Gas Proceedings: In the GCR reconciliation proceeding for the period April
1995 through March 1996, an issue has arisen questioning whether revenue
from gas loaning (which was a new business activity for Consumers) should,
in whole or in part, be immediately passed through to customers. The ALJ
issued a proposal for decision in January 1997 that agreed with the MPSC
staff's position that the gas loaning program uses storage assets of
Consumers and therefore recommended that 90 percent of the revenue should
be refunded to customers. As of March 31, 1997, $7 million would be
subject to refund if the MPSC adopts the ALJ position. Consumers will
continue to oppose this view before the MPSC.

In 1996, the MPSC authorized Consumers to implement a pilot gas
transportation program in Bay County, Michigan. The pilot program will
provide residential and small commercial customers the opportunity to
purchase gas from suppliers other than Consumers for a two-year period
beginning April 1997. Out of the 40,000 eligible customers, fewer than
500 volunteered to participate in the program. Consumers will retain its
role as transporter and distributor of this gas.

In 1995, the MPSC issued an order regarding a $44 million (excluding
interest) gas supply contract pricing dispute between Consumers and
certain intrastate producers. The order stated that Consumers was not
obligated to seek prior approval of market-based pricing changes that were
implemented under the contracts in question. The producers subsequently
filed a claim of appeal of the MPSC order with the Court of Appeals.
Consumers believes the MPSC order correctly concludes that the producers'
theories are without merit and will vigorously oppose any claims they may
raise, but cannot predict the outcome of this issue.

Resolution of the issues discussed in this note is not expected to have a
material effect on CMS Energy's financial position or results of
operations.


4: Short-Term and Long-Term Financings, and Capitalization

CMS Energy

CMS Energy has available unsecured, committed lines of credit totaling
$155 million and a $450 million unsecured revolving credit facility. At
March 31, 1997 and 1996, the total amount utilized under these facilities
was $216 million and $242 million, respectively. In addition, CMS Energy
currently has an unsecured $125 million term loan. CMS Energy is
negotiating with a group of banks to replace the unsecured revolving
credit facility and the term loan with a credit facility or facilities
consisting of a combination of unsecured revolving credit and term loan
tranches. CMS Energy expects that the aggregate borrowing capacity under
the new facility or facilities may range from $725 million to $1.125
billion. CMS Energy expects to enter into such new credit facility or
facilities in the second quarter of 1997. CMS Energy would also continue
to have available the unsecured, committed lines of credit totaling $155
million.

During the first quarter of 1997 CMS Energy issued $22 million of Series B
and $11 million of Series C GTNs. At March 31, 1997, CMS Energy had
issued and outstanding $250 million of Series A GTNs, $125 million of
Series B GTNs and $11 million of Series C GTNs with weighted-average
interest rates of 7.7 percent, 7.9 percent and 7.9 percent, respectively.

In May 1997, CMS Energy issued $350 million of senior unsecured notes due
May 15, 2002, at an interest rate of 8.125 percent. Proceeds were used in
part to pay down debt with the remainder to fund CMS Energy's equity
commitment in connection with the acquisition of a 50 percent interest in
the 2,000 MW Loy Yang A electric generating plant and associated mine
facilities in the State of Victoria, Australia..


Consumers

Consumers has FERC authorization to issue or guarantee up to $900 million
of short-term debt through 1998. Consumers has an unsecured $425 million
facility, and unsecured committed lines of credit aggregating $120 million
that are used to finance seasonal working capital requirements. At
March 31, 1997, a total of $88 million was outstanding at a weighted
average interest rate of 6.8 percent, compared with $38 million
outstanding at March 31, 1996, at a weighted average interest rate of 6.2
percent.

Consumers has also in place a $500 million trade receivables purchase and
sale program. At March 31, 1997 and 1996, receivables sold under the
agreement totaled $398 million and $280 million, respectively. Accounts
receivable and accrued revenue in the Consolidated Balance Sheets have
been reduced to reflect receivables sold.

In 1996, four million shares of 8.36 percent Trust Originated Preferred
Securities were issued and sold through Consumers Power Company Financing
I, a business trust wholly owned by Consumers. Net proceeds from the sale
totaled $97 million. Consumers Power Company Financing I was formed for
the sole purpose of issuing the Trust Originated Preferred Securities.
Its primary asset is $103 million principal amount of 8.36 percent
unsecured subordinated deferrable interest notes issued by Consumers which
mature in 2015. Consumers' obligations with respect to the Trust
Originated Preferred Securities under the notes, under the indenture under
which the notes have been issued, under Consumers' guarantee of the Trust
Originated Preferred Securities, and under the declaration by the trust,
taken together, constitute a full and unconditional guarantee by Consumers
of the trust's obligations under the Trust Originated Preferred
Securities.

Under the provisions of its Articles of Incorporation at March 31, 1997,
Consumers had $343 million of unrestricted retained earnings available to
pay common dividends. In April 1997, Consumers declared a $70 million
common dividend to be paid in May 1997.


5: Earnings Per Share and Dividends

In April 1997, Consumers declared a $70 million common dividend to be paid
to CMS Energy in May 1997. In the first quarter of 1997, Enterprises paid
common dividends and other distributions of $21 million to CMS Energy.

Earnings per share attributable to Common Stock, for the three and twelve
month periods ended March 31, 1997 and the three months ended March 31,
1996 reflect the performance of the Consumers Gas Group. Earnings per
share attributable to Common Stock, for the twelve months ended March 31,
1996 reflect the performance of the Consumers Gas Group since initial
issuance of Class G Common Stock during the third quarter of 1995. The
Class G Common Stock has participated in earnings and dividends from its
issue date. The allocation of earnings (loss) attributable to each class
of common stock and the related amounts per share are computed by
considering the weighted average number of shares outstanding.

Earnings (loss) attributable to Outstanding Shares are equal to Consumers
Gas Group net income (loss) multiplied by a fraction; the numerator is the
weighted average number of Outstanding Shares during the period and the
denominator represents the weighted average number of Outstanding Shares
and Retained Interest Shares during the period. The earnings attributable
to Class G Common Stock on a per share basis, for the three months ended
March 31, 1997 and 1996, are based on 24.29 percent of the income of the
Consumers Gas Group and 23.72 percent of the income of the Consumers Gas
Group since the initial issuance, respectively.

In January and April 1997, the Board of Directors declared a quarterly
dividend of $.27 per share on CMS Energy Common Stock and $.295 per share
on Class G Common Stock, payable in February and May 1997, respectively.


6: Commitments and Contingencies

Environmental Matters: Consumers is a so-called potentially responsible
party at several sites being administered under Superfund. Superfund
liability is joint and several and along with Consumers, there are
numerous credit worthy, potentially responsible parties with substantial
assets cooperating with respect to the individual sites. Based upon past
negotiations, Consumers estimates that its share of the total liability
for the known sites will be between $2 million and $9 million. At March
31, 1997, Consumers has accrued $2 million for its estimated losses.

Under the Michigan Natural Resources and Environmental Protection Act,
Consumers expects that it will ultimately incur investigation and remedial
action costs at a number of sites, including some of the 23 sites that
formerly housed manufactured gas plant facilities, even those in which it
has a partial or no current ownership interest. Consumers has prepared
plans for remedial investigation/feasibility studies for several of these
sites. Four of the five plans submitted by Consumers have been approved
by the appropriate environmental regulatory authority in the State of
Michigan. Findings for the two completed remedial investigations indicate
that the expenditures for those two sites are likely to be less than the
amounts projected before the studies were performed. However, these
findings may not be representative of all of the sites. Data available to
Consumers and its continued internal review have resulted in an estimate
for all costs related to investigation and remedial action for all 23
sites of between $48 million and $98 million. These estimates are based
on undiscounted 1997 costs. At March 31, 1997, Consumers has accrued a
liability of $48 million and has established a regulatory asset for
approximately the same amount. Any significant change in assumptions,
such as remediation technique, nature and extent of contamination, and
legal and regulatory requirements, could affect the estimate of remedial
action costs for the sites. In accordance with an MPSC rate order issued
in 1996, environmental clean-up costs above the amount currently being
recovered in rates will be deferred and amortized over ten years. Rate
recognition of amortization expense will not begin until after a prudence
review in a general rate case. The order authorizes current recovery of
$1 million annually. Consumers is continuing discussions with certain
insurance companies regarding coverage for some or all of the costs that
may be incurred for these sites.

The Clean Air Act contains provisions that limit emissions of sulfur
dioxide and nitrogen oxides and require emissions monitoring. Consumers'
coal-fueled electric generating units burn low-sulfur coal and are
currently operating at or near the sulfur dioxide emission limits that
will be effective in the year 2000. The Act's provisions required
Consumers to make capital expenditures totaling $40 million to install
equipment at certain generating units. Consumers estimates capital
expenditures for in-process and proposed modifications at other coal-fired
units to be an additional $35 million by the year 2000. Management
believes that Consumers' annual operating costs will not be materially
affected as a result of these expenditures.

Capital Expenditures: CMS Energy estimates capital expenditures,
including investments in unconsolidated subsidiaries and new lease
commitments, of $1,465 million for 1997, $910 million for 1998 and $820
million for 1999. For further information regarding capital expenditures,
see Forward-Looking Information in the MD&A.

Other: As of March 31, 1997, CMS Energy and Enterprises have guaranteed
up to $102 million in contingent obligations of unconsolidated affiliates
and unrelated parties.

CMS NOMECO periodically enters into oil and gas price hedging arrangements
to mitigate its exposure to price fluctuations on the sale of crude oil
and natural gas. As of December 31, 1996, CMS NOMECO had contracts on
13.8 bcf of gas for the delivery months of January though December 1997 at
prices ranging from $1.92 to $2.80 per MMBtu and on 2.0 million barrels of
oil at prices ranging from $19.50 to $22.90 per barrel. CMS NOMECO had
made net payments of $4.0 million for settlement of January, February, and
March 1997 contracts on 4.0 bcf of gas and 810,000 bbls of oil. As of
March 31, 1997, the fair value of the remaining 1997 gas and oil contracts
reflected a net payment due to CMS NOMECO of $1.6 million. These
arrangements are accounted for as hedges; accordingly, gains or losses are
deferred and recognized at such time as the hedged transaction is
completed. If there was a loss of correlation between the changes in (1)
the market value of the commodity price contracts and (2) the market price
ultimately received for the hedged item, and the impact was material, the
open commodity price contracts would be marked to market and gains and
losses would be recognized in the income statement currently.

CMS NOMECO also has one arrangement which is used to fix the prices that
CMS NOMECO will pay to supply gas for the years 2001 - 2006 by purchasing
the economic equivalent of 10,000 MMBtu per day at a fixed, escalated
price starting at $2.82 per MMBtu in 2001. The settlement periods are
each a one-year period ending December 31, 2001 through 2006 on 3.65
MMBtu. If the floating price, essentially the then current Gulf Coast
spot price, for a period is higher than the fixed price, the seller pays
CMS NOMECO the difference, and vice versa. If a party's exposure at any
time exceeds $5 million, that party is required to obtain a letter of
credit in favor of the other party for the excess over $5 million and up
to $10 million. At March 31, 1997, neither party was required to post a
letter of credit. As of March 31, 1997, the fair value of this contract
reflected [$13] million due to the seller, representing the amount
CMS NOMECO would have to pay to terminate the agreement.

A number of lawsuits have been filed against Consumers relating to the
effect of so-called stray voltage on certain livestock. Claimants contend
that stray voltage results when low-level electrical currents present in
grounded electrical systems are diverted from their intended path.
Consumers maintains a policy of investigating all customer calls regarding
stray voltage and working with customers to address their concerns and has
an ongoing mitigation program to modify the service of all customers with
livestock. As of April 30, 1997, Consumers had 18 separate stray voltage
lawsuits awaiting trial court action, down from 22 lawsuits at year end
1996.

In addition to the matters disclosed in these notes, CMS Energy and
Consumers and certain of their subsidiaries are parties to certain
lawsuits and administrative proceedings before various courts and
governmental agencies arising from the ordinary course of business and
involving personal injury, property damage, contractual matters,
environmental issues, federal and state taxes, rates, licensing and other
matters.

Estimated losses for certain contingencies discussed in this note have
been accrued. Resolution of these contingencies is not expected to have a
material impact on CMS Energy's financial position or results of
operations.


7: Nuclear Matters

Consumers has loaded 13 dry storage casks with spent nuclear fuel at
Palisades. In a review of the cask manufacturer's quality assurance
program, indications of minor flaws in welds in the steel liner of one of
the loaded casks were detected. Radiographic examination of the casks has
found all other welds acceptable. The cask in which the minor flaws were
detected continues to store spent fuel safely and there is no requirement
for its replacement. Nevertheless, Consumers plans to remove the spent
fuel and insert it into a transportable cask. Bids are currently being
taken for the design and fabrication of the transportable cask.

Consumers is required to make certain calculations and report to the NRC
about the continuing ability of the Palisades reactor vessel to withstand
postulated pressurized thermal shock events during its remaining license
life, in light of the embrittlement of reactor vessel materials over time
due to operation in a radioactive environment. Based on continuing
analysis of data from testing of similar materials, in 1996, Consumers
received an interim Safety Evaluation Report from the NRC indicating that
the reactor vessel can be safely operated through 2003 before reaching the
NRC's screening criteria for reactor embrittlement. Consumers believes
that with fuel management designed to minimize embrittlement, Palisades
might be operated to the end of its license life in the year 2007 without
annealing of the reactor vessel, but will continue to monitor the matter.


8: Supplemental Cash Flow Information

For purposes of the Statement of Cash Flows, all highly liquid investments
with an original maturity of three months or less are considered cash
equivalents. Other cash flow activities and non-cash investing and
financing activities for the periods ended March 31 were:

In Millions
Three Months Ended Twelve Months Ended
1997 1996 1997 1996

Cash transactions
Interest paid (net of amounts
capitalized) $ 63 $ 60 $257 $215
Income taxes paid (net of refunds) - 2 80 36

Non-cash transactions
Nuclear fuel placed
under capital lease $ 3 $ - $ 31 $ 20
Other assets placed
under capital leases 2 1 4 4
Common Stock issued to
acquire companies - - - 66
Assumption of debt - - - 4
Capital leases refinanced - - - 21
31

ARTHUR ANDERSEN LLP



Report of Independent Public Accountants
----------------------------------------


To CMS Energy Corporation:

We have reviewed the accompanying consolidated balance sheets of
CMS ENERGY CORPORATION (a Michigan corporation) and subsidiaries as of
March 31, 1997 and 1996, and the related consolidated statements of
income, common stockholders' equity and cash flows for the three-month and
twelve-month periods then ended. These financial statements are the
responsibility of the Company's management.

We conducted our review in accordance with standards established by the
American Institute of Certified Public Accountants. A review of interim
financial information consists principally of applying analytical
procedures to financial data and making inquiries of persons responsible
for financial and accounting matters. It is substantially less in scope
than an audit conducted in accordance with generally accepted auditing
standards, the objective of which is the expression of an opinion
regarding the financial statements taken as a whole. Accordingly, we do
not express such an opinion.


Based on our review, we are not aware of any material modifications that
should be made to the financial statements referred to above for them to
be in conformity with generally accepted accounting principles.

We have previously audited, in accordance with generally accepted auditing
standards, the consolidated balance sheet and consolidated statement of
preferred stock of CMS Energy Corporation and subsidiaries as of December
31, 1996, and the related consolidated statements of income, common
stockholders' equity and cash flows for the year then ended (not presented
herein), and, in our report dated January 24, 1997, we expressed an
unqualified opinion on those statements. In our opinion, the information
set forth in the accompanying consolidated balance sheet as of December
31, 1996, is fairly stated, in all material respects, in relation to the
consolidated balance sheet from which it has been derived.


Arthur Andersen LLP

Detroit, Michigan,
May 9, 1997.
32

Consumers Energy Company
Management's Discussion and Analysis


The MD&A of this Form 10-Q should be read along with the MD&A in
Consumers' 1996 Form 10-K. This report contains forward-looking
statements as defined by the Private Securities Litigation Reform Act of
1995, including (without limitation) discussions as to expectations,
beliefs, plans, objectives and future financial performance, or
assumptions underlying or concerning matters discussed in this document.
These discussions, and any other discussions contained in this Form 10-Q
that are not historical facts, are forward-looking and, accordingly,
involve estimates, assumptions and uncertainties that could cause actual
results or outcomes to differ materially from those expressed in the
forward-looking statements. In addition to certain contingency matters
(and their respective cautionary statements) discussed elsewhere, the
Forward-Looking Information section of this MD&A indicates some important
factors that could cause actual results or outcomes to differ materially
from those addressed in the forward-looking discussions.

Consumers is a combination electric and gas utility company serving the
Lower Peninsula of Michigan, and is the principal subsidiary of
CMS Energy, a holding company. Consumers' customer base includes a mix of
residential, commercial and diversified industrial customers, the largest
segment of which is the automotive industry.


Consolidated Earnings

In Millions
March 31 1997 1996 Change

Three months ended $ 88 $ 94 $ (6)
Twelve months ended 254 234 20

The decrease in earnings for the first quarter of 1997 compared to the
same 1996 period reflects decreased gas deliveries due to warmer 1997
temperatures, decreased gas wholesale services revenues in 1997 and
decreased electric revenues because of special contract discounts
negotiated with large industrial customers. Partially offsetting these
decreases were the favorable impact of an electric rate increase received
in February 1996 which benefited the entire first quarter of 1997 and
improved operating results from the MCV Facility in which Consumers has a
49 percent interest. The increase in earnings for the twelve months ended
1997 compared to the 1996 period reflects the favorable impact of an
electric rate increase received in February 1996, revenues from value-
added services and gas wholesale services activities, and improved
operating results from the MCV Facility. In addition, other operating
income increased during the twelve months ended 1997 due to a FERC-ordered
refund received by the MCV Partnership from a gas pipeline supplier.
Partially offsetting these increases were decreased electric revenues
because of special contract discounts negotiated with large industrial
customers and decreased gas deliveries due to warmer temperatures during
the first quarter of 1997. For further information, see the Electric and
Gas Utility Results of Operations sections and Note 3.


Cash Position, Investing and Financing

Operating Activities: Cash from operations is derived from the sale and
transportation of natural gas and the generation, transmission, and sale
of electricity. Cash from operations totaled $368 million and $308
million for the first three months of 1997 and 1996, respectively. The
$60 million increase resulted from changes in the timing of cash receipts
and payments related to Consumers' operations, offset by reduced cash from
gas sales. Operating cash is used primarily to maintain and expand
electric and gas systems, retire portions of long-term debt, and pay
dividends.

Investing Activities: Cash used in investing activities totaled $98
million and $103 million for the first three months of 1997 and 1996,
respectively. The cash was used primarily for capital expenditures.

Financing Activities: Cash used in financing activities totaled $262
million and $211 million for the first three months of 1997 and 1996,
respectively. The increase of $51 million in cash used reflects the 1997
absence of proceeds from preferred securities sold in 1996 offset by a
reduction in the decrease of notes payable.

Other Investing and Financing Matters: Several unsecured, committed lines
of credit totaling $120 million and a $425 million working capital
facility are available to meet short-term borrowing requirements to
finance working capital and gas in storage, and to pay for capital
expenditures between long-term financings. At March 31, 1997 and 1996,
the total outstanding under these facilities was $88 million and $38
million, respectively. Consumers has FERC authorization to issue or
guarantee up to $900 million of short-term securities through 1998 and to
issue $500 million of long-term securities through November 1998 for
refinancing or refunding purposes. An agreement is also in place
permitting the sales of certain accounts receivable for up to $500
million. At March 31, 1997 and 1996, receivables sold totaled $398
million and $280 million, respectively.


Electric Utility Results of Operations

Electric Pretax Operating Income:

In Millions
March 31 1997 1996 Change

Three months ended $ 106 $ 106 $ -
Twelve months ended 412 388 24

Electric pretax operating income for all periods ending March 31, 1997
benefited from the favorable impact of an electric rate increase received
in February 1996. The first quarter of 1997 reflects three months of rate
increase compared to two months for the comparable quarter in 1996. The
twelve months ended 1997 reflects a full twelve months of rate increase
compared to only two months for the comparable period in 1996. The twelve
months ended 1997 also benefited from increased electric sales and lower
maintenance expenses when compared to the 1996 period. The increases in
both periods were partly offset by decreased revenues because of special
contract discounts negotiated with large industrial customers. The first
quarter of 1997 also reflects higher operating expenses than the
comparable 1996 period. During the twelve months ended 1997 there were
higher operation, depreciation and general tax expenses than in the
comparable prior period. The following table quantifies these impacts on
Pretax Operating Income:

In Millions
Three Months Twelve Months
Ended March 31 Ended March 31
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996

Sales (including special
contract discounts) $(3) $(12)
Rate increases and other
regulatory issues 9 51
Operations and maintenance (3) (4)
General taxes and depreciation (3) (11)
---- ----
Total change $ - $ 24
==== ====
Electric Sales: Total electric sales remained unchanged for the first
quarter while showing a 3.4 percent increase for the twelve months ended
March 31, 1997 over the comparable 1996 period. The table below reflects
electric kWh sales by class of customer for both periods:


In Billions of kWh
Three Months Ended Twelve Months Ended
March 31 1997 1996 Change 1997 1996 Change

Residential 2.9 3.0 (0.1) 10.9 10.9 -
Commercial 2.4 2.4 - 10.0 9.8 0.2
Industrial 3.0 2.9 0.1 13.0 12.6 0.4
Other 0.7 0.7 - 3.2 2.6 0.6
---- ---- ---- ---- ---- ----
Total sales 9.0 9.0 - 37.1 35.9 1.2
==== ==== ==== ==== ==== ====
Power Costs:

In Millions
March 31 1997 1996 Change

Three months ended $ 282 $ 260 $ 22
Twelve months ended 1,110 1,003 107

The cost increases for the three month and twelve month periods ended
March 31, 1997 reflect greater power purchases from outside sources to
meet sales demand.


Electric Utility Issues

Power Purchases from the MCV Partnership: Consumers' annual obligation to
purchase capacity from the MCV Partnership is 1,240 MW through the
termination of the PPA in 2025. The MPSC currently allows Consumers to
recover substantially all payments for 915 MW of capacity purchased from
the MCV Partnership. Beginning January 1, 1996, Consumers was also
permitted to recover an average capacity charge of 2.86 cents per kWh for
the remaining 325 MW of MCV Facility capacity. The approved average
capacity charge increased to 3.62 cents per kWh for 109 MW by January 1,
1997. The recoverable portion of the capacity charge for the last 216 MW
of the 325 MW increases each year until it reaches 3.62 cents per kWh in
2004, and remains at this ceiling rate through the end of the PPA term.
In 1992, Consumers recognized a loss for the present value of the
estimated future underrecoveries of power purchases from the MCV
Partnership and that estimate remains unchanged.

Consumers anticipates it will continue to experience cash underrecoveries
associated with the PPA as shown below. These after-tax cash
underrecoveries totaled $10 million for the first three months of 1997.
For further information, see Note 2.

In Millions
1997 1998 1999 2000 2001

Estimated cash under-
recoveries, net of tax $28 $23 $22 $21 $20

The amount of underrecoveries of power costs continues to be based, in
part, on management's best assessment of the future availability of the
MCV Facility. If the MCV Facility operates at levels above management's
estimate over the remainder of the PPA, future losses will need to be
recognized over and above amounts previously recorded and Consumers would
experience greater amounts of cash underrecoveries than originally
anticipated. Management will continue to evaluate the adequacy of the
accrued liability considering actual facility operations.

Electric Rate Proceedings: In 1996, the MPSC issued a final order which
authorized Consumers to recover the costs associated with the purchase of
the additional 325 MW of MCV Facility capacity and to accelerate recovery
of its nuclear plant investment by charging $18 million of annual steam
production plant depreciation expense to the nuclear production
depreciation reserve. It also established a direct access program.
Rehearing petitions have been ruled upon by the MPSC and resulted in no
material changes to the relief granted Consumers. For further discussion
on these issues, see Notes 2 and 3.

Nuclear Matters: In January 1997, the NRC issued its Systematic
Assessment of Licensee Performance report for Palisades. The report rated
all areas as good, unchanged from the previous assessment.

Consumers is required to make certain calculations and report to the NRC
about the continuing ability of the Palisades reactor vessel to withstand
postulated pressurized thermal shock events during its remaining license
life, in light of the embrittlement of reactor vessel materials over time
due to operation in a radioactive environment. Based on continuing
analysis of data from testing of similar materials, in 1996, Consumers
received an interim Safety Evaluation Report from the NRC indicating that
the reactor vessel can be safely operated through 2003, before reaching
the NRC's screening criteria for reactor embrittlement. Consumers
believes that with a change in fuel management designed to minimize
embrittlement, Palisades might be operated to the end of its license life
in the year 2007 without annealing of the reactor vessel, but will
continue to monitor the matter.

Palisades' on-site storage pool for spent nuclear fuel is at capacity.
Consequently, NRC-approved dry casks, which are steel and concrete vaults,
are being used for temporary on-site storage. For further information,
see Note 6.

Electric Environmental Matters: The Clean Air Act contains significant
environmental constraints under which utilities will operate in the
future. While the Act's provisions will require that certain capital
expenditures be made to comply with nitrogen oxide emission limits,
generating units are currently operating at or near the sulfur dioxide
emission limits that will be effective in the year 2000. Management does
not believe that these expenditures will have a material effect on annual
operating costs.


Under the Michigan Natural Resources and Environmental Protection Act,
Consumers expects that it will ultimately incur investigation and remedial
action costs at a number of sites, and believes that these costs are
properly recoverable in rates under current ratemaking policies.

Consumers is a so-called potentially responsible party at several sites
being administered under Superfund. In addition, there are numerous
credit worthy, potentially responsible parties with substantial assets
cooperating with respect to the individual sites. Based on current
information, management believes it is unlikely that the liability at any
of the known Superfund sites, individually or in total, will have a
material adverse effect on its financial position, liquidity or results of
operations. For further information regarding electric environmental
matters, see Note 5.

Stray Voltage: A number of lawsuits have been filed against Consumers
relating to the effect of so-called stray voltage on certain livestock.
As of April 30, 1997, 18 separate stray voltage lawsuits were awaiting
trial court action, down from 22 lawsuits at year end 1996. Consumers
believes that the resolution of the remaining lawsuits will not have a
material impact on its financial position, liquidity or results of
operations.


Gas Utility Results of Operations

Gas Pretax Operating Income:

In Millions
March 31 1997 1996 Change

Three months ended $ 78 $ 93 $(15)
Twelve months ended 143 156 (13)

Gas pretax operating income decreased in both the three month and twelve
month periods ended March 31, 1997, as a result of decreased gas
deliveries due to warmer temperatures during the first quarter of 1997 and
an extra day for leap year in 1996. The first quarter of 1997 also
reflects higher depreciation and general tax expenses, partially offset by
lower operation and maintenance expenses. The decrease in gas pretax
operating income for the twelve months ended March 31, 1997 also reflects
higher operation, depreciation and general tax expenses, partially offset
by lower maintenance expenses and benefits from gas wholesale services
activities. The following table quantifies these impacts on Pretax
Operating Income:

In Millions
Three Months Twelve Months
Ended March 31 Ended March 31
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996

Sales $(17) $(19)
Recovery of gas costs and other issues - 4
Gas wholesale services activities (1) 5
Operations and maintenance 4 (3)
General taxes, depreciation and other (1) -
---- ----
Total change $(15) $(13)
==== ====

Gas Deliveries: Total system deliveries, excluding transport to the MCV
Facility and other miscellaneous transportation, decreased 7.8 percent and
4.2 percent for the quarter and twelve months ended March 31, 1997,
respectively. The decreased deliveries for both periods reflect warmer
temperatures during 1997. The table below indicates total deliveries and
the impact of weather.

In bcf
Three Months Ended Twelve Months Ended
March 31 1997 1996 Change 1997 1996 Change

Weather-adjusted deliveries
(variance reflects growth) 146 145 1 335 332 3
Impact of weather and leap year (4) 9 (13) 5 23 (18)
--- --- --- --- --- ---
System deliveries excluding
transport to MCV Partnership 142 154 (12) 340 355 (15)
Transport to MCV Partnership 17 17 - 66 56 10
Other Transportation 9 14 (5) 24 24 -
--- --- --- --- --- ---
Total deliveries 168 185 (17) 430 435 (5)
=== === === === === ===
Cost of Gas Sold:

In Millions
March 31 1997 1996 Change

Three months ended $314 $346 $(32)
Twelve months ended 718 739 (21)

The decreases for the three month and twelve month periods ended March 31,
1997 were the result of decreased sales reflecting warmer temperatures and
an extra day for leap year in 1996.


Gas Utility Issues

Gas Rate Proceedings: Consumers entered into a special natural gas
transportation contract with one of its transportation customers in
response to the customer's proposal to bypass Consumers' system in favor
of a competitive alternative. The contract provides for discounted gas
transportation rates in an effort to induce the customer to remain on
Consumers' system. In 1995, the MPSC approved the contract but stated
that the revenue shortfall created by the difference between the
contract's discounted rate and the floor price of an MPSC-authorized gas
transportation rate must be borne by Consumers' shareholders. In 1995,
Consumers filed an appeal with the Court of Appeals, which is still
pending, claiming that the MPSC decision denies Consumers the opportunity
to earn its authorized rate of return and is therefore unconstitutional.

GCR Matters: In 1995, the MPSC issued an order regarding a $44 million
(excluding interest) gas supply contract pricing dispute between Consumers
and certain intrastate producers. The order stated that Consumers was not
obligated to seek prior approval of market-based pricing provisions that
were implemented under the contracts in question. The producers
subsequently filed a claim of appeal of the MPSC order with the Court of
Appeals. Consumers believes the MPSC order correctly concludes that the
producers' theories are without merit and will vigorously oppose any
claims they may raise, but cannot predict the outcome of this issue.

In the GCR reconciliation proceeding for the period April 1995 through
March 1996, an issue has arisen questioning whether revenue from gas
loaning (which was a new business activity for Consumers) should, in whole
or in part, be immediately passed through to customers. The ALJ issued a
proposal for decision in January 1997 that agreed with the MPSC staff's
position that the gas loaning program uses storage assets of Consumers and
therefore recommended that 90 percent of the revenue should be refunded to
customers. As of March 31, 1997, $7 million would be subject to refund if
the MPSC adopts the ALJ position. Consumers will continue to oppose this
view before the MPSC.

Gas Environmental Matters: Consumers expects that it will ultimately
incur investigation and remedial action costs at a number of sites,
including some that formerly housed manufactured gas plant facilities.
Data available, and continued internal review of these former manufactured
gas plant sites, have resulted in an estimate for all costs related to
investigation and remedial action of between $48 million and $98 million.
These estimates are based on undiscounted 1997 costs. At March 31, 1997,
Consumers has accrued a liability for $48 million and has established a
regulatory asset for approximately the same amount. Any significant
change in assumptions such as remediation technique, nature and extent of
contamination and regulatory requirements, could affect the estimate of
remedial action costs for the sites. For further information regarding
environmental matters, see Note 5.


Forward-Looking Information

Forward-looking information is included throughout this report. Material
contingencies are also described in the Notes to Consolidated Financial
Statements and should be read accordingly.

Some important factors that could cause actual results or outcomes to
differ materially from those discussed in the forward-looking statements
include prevailing governmental policies and regulatory actions (including
those of the FERC and the MPSC) with respect to rates, industry and rate
structure, operation of nuclear power facilities, acquisition and disposal
of assets and facilities, operation and construction of plant facilities,
operation and construction of natural gas pipeline and storage facilities,
recovery of the cost of purchased power or natural gas, decommissioning
costs, and present or prospective wholesale and retail competition, among
others. The business and profitability of Consumers are also influenced
by economic and geographic factors, including political and economic
risks, changes in environmental laws and policies, weather conditions,
competition for retail and wholesale customers, pricing and transportation
of commodities, market demand for energy, inflation, capital market
conditions, and the ability to secure agreement in pending negotiations,
among other important factors. All such factors are difficult to predict,
contain uncertainties that may materially affect actual results, and may
be beyond the control of Consumers.

Capital Expenditures: Consumers estimates the following capital
expenditures, including new lease commitments, by company and by business
segment over the next three years. These estimates are prepared for
planning purposes and are subject to revision.

In Millions
Years Ended December 31 1997 1998 1999

Consumers
Construction $356 $334 $330
Nuclear fuel lease 14 27 13
Capital leases other than nuclear fuel 12 16 14
Michigan Gas Storage 3 3 3
---- ---- ----
$385 $380 $360
==== ==== ====
Electric utility operations (a) $270 $277 $257
Gas utility operations (a) 115 103 103
---- ---- ----
$385 $380 $360
==== ==== ====
(a) These amounts include an attributed portion of Consumers' anticipated
capital expenditures for plant and equipment common to both the electric
and gas utility businesses.

Electric Outlook: Consumers expects average annual growth of two to three
percent per year in electric system sales over the next five years, based
on the current industry configuration in Michigan. Actual electric sales
in future periods may be affected by abnormal weather, changing economic
conditions, or the developing competitive market for electricity.
Consumers continues to work toward retaining its current retail service
customers by offering electric rates that are competitive with those of
other energy providers, and by improving reliability and customer
communications. Consumers is also planning for a future environment in
which open access is the predominant means by which retail service
customers obtain their power requirements.

Consumers' electric retail service is affected by competition in several
areas, including the potential installation of cogeneration or other self-
generation facilities by larger industrial customers; the formation of
municipal utilities that would displace retail service to an entire
community; competition from other utilities that offer flexible rate
arrangements designed to encourage movement of facilities or production to
their service areas; economic development competition between utilities;
MPSC direct access programs and potential electric industry restructuring
caused by regulatory decisions and new state or federal legislation.

In 1996, the MPSC reduced the rate subsidization of residential customers
by large industrial and commercial customers. In addition, in an effort
to meet the challenge of competition, Consumers contracted with some of
its largest industrial customers to serve certain facilities a number of
years into the future. These contracts have been approved or are under
review at the MPSC. FERC issued Orders 888 and 889, as amended on
rehearing, requiring utilities to provide open access to the interstate
transmission grid for wholesale transactions. Several FERC requirements
have been implemented. However, one unresolved issue concerns the
Michigan Electric Power Coordination Center Pool, currently operated
jointly by Consumers and Detroit Edison. Consumers proposes to maintain
the benefits of the pool, while Detroit Edison seeks to terminate the
power pool agreement. The FERC is expected to rule on this issue in 1997.

In 1996, the MPSC staff recommended: 1) a program of direct access to
alternative sources of energy supply by retail electric customers starting
in 1997 and phasing in all customers through 2004; and 2) that Consumers
recover its transition costs through either a transition charge over a
ten-year period ending 2007 only to customers electing direct access or,
if the utility has been enabled to issue rate reduction bonds, through a
securitization charge to all customers over the term of the bonds.
Consumers would continue to provide delivery service to direct access
customers. In March 1997, Consumers filed data with the MPSC which
estimated that the portion of Consumers' transition costs which would be
recovered in the transition charge to direct access customers through 2007
would be $1.8 billion. Direct access implementation costs aggregating an
additional $200 million would also be recovered by a separate charge to
direct access customers. Alternatively, if the securitization approach is
pursued, the resulting securitization charge would be paid by all
Consumers customers to service $4 billion of rate reduction bonds. The $4
billion in rate reduction bonds includes the $1.8 billion of costs that
would otherwise have been recovered in the transition charge to direct
access customers, as well as the costs that would otherwise have been
recovered from customers on bundled rates prior to getting choice.
Consumers' data indicate that the securitization approach results in more
than a $200 million annual savings to customers compared to the rates they
would pay under the MPSC staff program in the absence of securitization
because the assumed 15-year repayment period of the bonds allows the cost
reimbursement by the customer to be spread out over a longer period than
without securitization and because securitization allows securitized costs
to be financed at a lower rate.

Several of the elements of electric utility restructuring will need to be
addressed in legislation, including assurance of full transition cost
recovery, securitization of rate reduction bonds and generation
deregulation. Consumers currently expects that electric utility
restructuring will occur in a manner consistent with the MPSC staff
report, but cannot predict with certainty the timing of actual
implementation, the extent of customer choice, or resultant financial
impacts. Refer to the Consumers 1996 Form 10-K for further details.

Consumers currently applies the utility accounting standard, SFAS 71, that
recognizes the economic effects of rate regulation and, accordingly,
Consumers recorded regulatory assets and liabilities related to its
generation, transmission and distribution operations in its financial
statements. If rate recovery of generation-related costs becomes unlikely
or uncertain, whether due to competition or regulatory action, this
accounting standard may no longer apply to Consumers' generation segment.
Such a change could result in either full recovery of generation-related
regulatory assets (net of related regulatory liabilities) or a loss,
depending on whether Consumers' regulators adopt a transition mechanism
for the recovery of all or a portion of these net regulatory assets.
Based on a current evaluation of the various factors and conditions that
are expected to affect future cost recovery, Consumers believes even if it
was to discontinue application of SFAS 71 for the generation segment of
its business, that its regulatory assets, including those related to
generation, are probable of future recovery.

Gas Outlook: Consumers currently anticipates gas deliveries (excluding
transportation to the MCV Facility and off-system deliveries) to grow on
an average annual basis between one and two percent over the next five
years based primarily on a steadily growing customer base. Consumers has
several strategies to increase load requirements. These strategies
include increased efforts to promote natural gas to both current and
potential customers that are using other fuels for space and water
heating. In addition, as air quality standards continue to become more
stringent, management believes that greater opportunities exist for
converting industrial boiler load and other processes to natural gas.
Consumers also plans additional capital expenditures to construct new gas
mains that are expected to expand Consumers' system. Actual gas
deliveries in future periods may be affected by abnormal weather,
alternative energy prices, changes in competitive conditions, and the
level of natural gas consumption. Consumers is also offering a variety of
energy-related services to its customers focused upon appliance
maintenance, home safety, and home security.

In 1996 the MPSC issued an order requesting Consumers and other local gas
distribution companies, whose rates are regulated by the MPSC, to develop
pilot programs that would allow customers to purchase gas directly from
other suppliers and have the gas transported through local pipelines.
These pilot programs are to last for two years and are intended to help
the MPSC determine whether it is appropriate to extend this option to all
retail customers. In December 1996, the MPSC approved Consumers' pilot
program for 40,000 customers in Bay County. The first customer
solicitation ended in March 1997 and resulted in one percent of the
customers choosing an alternative supplier for the next year. Another
solicitation period will begin in late 1997 for the period April 1998 -
March 1999; expected customer interest is unknown at this time.

Based on a regulated utility accounting standard, SFAS 71, Consumers is
allowed to defer certain costs to the future and record regulatory assets,
based on the recoverability of those costs through the MPSC's approval.
Consumers has evaluated its regulatory assets related to its gas business,
and believes that sufficient regulatory assurance exists to provide for
the recovery of these deferred costs.


Other

New Accounting Standards: In 1997, the FASB issued SFAS 128, Earnings per
Share and SFAS 129, Disclosure of Information about Capital Structure,
which are effective for year end 1997 financial statements. Consumers
does not expect the application of these statements to have a material
effect on its financial position, liquidity or results of operations.
42




(This page intentionally left blank)
43

<TABLE>
Consumers Energy Company
Consolidated Statements of Income
(Unaudited)
<CAPTION>
Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Operating Revenue
Electric $ 620 $ 591 $2,474 $2,328
Gas 498 548 1,231 1,261
Other 9 4 49 33
------ ------ ------ ------
1,127 1,143 3,754 3,622
------ ------ ------ ------
Operating Expenses
Operation
Fuel for electric generation 69 73 292 289
Purchased power - related parties 151 140 600 507
Purchased and interchange power 62 47 218 207
Cost of gas sold 314 346 718 739
Other 130 132 583 574
------ ------ ------ ------
726 738 2,411 2,316
Maintenance 40 39 174 178
Depreciation, depletion and amortization 111 108 374 364
General taxes 57 56 192 191
------ ------ ------ ------
934 941 3,151 3,049
------ ------ ------ ------
Pretax Operating Income
Electric 106 106 412 388
Gas 78 93 143 156
Other 9 3 48 29
------ ------ ------ ------
193 202 603 573
------ ------ ------ ------
Other Income (Deductions)
Dividends from affiliates 4 4 17 16
Accretion income 2 3 9 11
Accretion expense (5) (7) (19) (30)
Other, net 1 - (4) 4
------ ------ ------ ------
2 - 3 1
------ ------ ------ ------
Interest Charges
Interest on long-term debt 35 35 138 140
Other interest 8 8 31 37
Capitalized interest - (1) (1) (3)
------ ------ ------ ------
43 42 168 174
------ ------ ------ ------
Net Income Before Income Taxes 152 160 438 400

Income Taxes 55 58 148 137
------ ------ ------ ------
Net Income 97 102 290 263

Preferred Stock Dividends 7 7 28 28

Preferred Securities Distributions 2 1 8 1
------ ------ ------ ------
Net Income Available to Common Stockholder $ 88 $ 94 $ 254 $ 234
====== ====== ====== ======
<FN>
The accompanying condensed notes are an integral part of these statements.

</TABLE>
44

<TABLE>
Consumers Energy Company
Consolidated Statements of Cash Flows
(Unaudited)
<CAPTION>
Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996
In Million
<S> <C> <C> <C> <C>
Cash Flows from Operating Activities
Net income $ 97 $ 102 $ 290 $ 263
Adjustments to reconcile net income to net cash
provided by operating activities
Depreciation, depletion and amortization (includes nuclear
decommissioning of $13, $13, $48 and $51, respectively) 111 108 374 364
Capital lease and other amortization 8 9 39 36
Deferred income taxes and investment tax credit - 3 46 37
Accretion expense 5 7 19 30
Accretion income - abandoned Midland project (2) (3) (9) (11)
Undistributed earnings of related parties (9) (4) (46) (30)
Power purchases (15) (12) (66) (112)
Other 1 3 3 6
Changes in other assets and liabilities 172 95 80 58
----- ----- ----- -----
Net cash provided by operating activities 368 308 730 641
----- ----- ----- -----
Cash Flows from Investing Activities
Capital expenditures (excludes assets placed under capital lease) (77) (83) (404) (422)
Investments in nuclear decommissioning trust funds (13) (13) (48) (51)
Cost to retire property, net (4) (6) (28) (39)
Other (4) 1 (4) 2
Deferred demand-side management costs - (2) (4) (10)
----- ----- ----- -----
Net cash used in investing activities (98) (103) (488) (520)
----- ----- ----- -----
Cash Flows from Financing Activities
Increase (decrease) in notes payable, net (245) (303) 50 (97)
Payment of capital lease obligations (8) (9) (38) (36)
Payment of preferred stock dividends (7) (7) (28) (28)
Preferred securities distributions (2) (1) (8) (1)
Retirement of bonds and other long-term debt - (1) (37) (1)
Proceeds from preferred securities - 97 - 97
Contribution from stockholder - 13 - 13
Payment of common stock dividends - - (200) (70)
Proceeds from bank loans - - 23 -
----- ----- ----- -----
Net cash used in financing activities (262) (211) (238) (123)
----- ----- ----- -----
Net Increase (Decrease) in Cash and Temporary Cash Investments 8 (6) 4 (2)

Cash and Temporary Cash Investments, Beginning of Period 4 14 8 10
----- ----- ----- -----
Cash and Temporary Cash Investments, End of Period $ 12 $ 8 $ 12 $ 8
===== ===== ===== =====
<FN>
The accompanying condensed notes are an integral part of these statements.


</TABLE>
45

<TABLE>
Consumers Energy Company
Consolidated Balance Sheets
<CAPTION>
ASSETS March 31 March 31
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Plant (At original cost)
Electric $6,412 $6,333 $6,130
Gas 2,242 2,203 2,207
Other 26 26 26
------ ------ ------
8,680 8,562 8,363
Less accumulated depreciation, depletion and amortization 4,378 4,269 4,195
------ ------ ------
4,302 4,293 4,168
Construction work-in-progress 114 158 199
------ ------ ------
4,416 4,451 4,367
------ ------ ------
Investments
Stock of affiliates 295 298 336
First Midland Limited Partnership (Note 2) 235 232 226
Midland Cogeneration Venture Limited Partnership (Note 2) 140 134 104
Other 9 8 9
------ ------ ------
679 672 675
------ ------ ------
Current Assets
Cash and temporary cash investments at cost, which approximates market 12 4 8
Accounts receivable and accrued revenue, less allowances
of $8, $10 and $3, respectively (Note 4) 61 148 173
Accounts receivable - related parties 62 63 12
Inventories at average cost
Gas in underground storage 51 186 39
Materials and supplies 72 68 74
Generating plant fuel stock 44 30 16
Postretirement benefits 25 25 25
Deferred income taxes 21 27 23
Prepayments and other 132 183 143
------ ------ ------
480 734 513
------ ------ ------
Non-current Assets
Postretirement benefits 427 435 458
Nuclear decommissioning trust funds 401 386 323
Abandoned Midland Project 108 113 126
Other 239 234 309
------ ------ ------
1,175 1,168 1,216
------ ------ ------
Total Assets $6,750 $7,025 $6,771
====== ====== ======
</TABLE>
46

<TABLE>
<CAPTION>
STOCKHOLDERS' INVESTMENT AND LIABILITIES March 31 March 31
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Capitalization
Common stockholder's equity
Common stock $ 841 $ 841 $ 841
Paid-in-capital 504 504 504
Revaluation capital 36 37 29
Retained earnings since December 31, 1992 385 297 331
------ ------ ------
1,766 1,679 1,705
Preferred stock 356 356 356
Company-obligated mandatorily redeemable preferred securities
of Consumers Power Company Financing I (a) 100 100 100
Long-term debt 1,652 1,900 1,923
Non-current portion of capital leases 97 100 96
------ ------ ------
3,971 4,135 4,180
------ ------ ------
Current Liabilities
Current portion of long-term debt and capital leases 348 98 89
Accrued taxes 190 211 201
Accounts payable 164 212 165
Notes payable 88 333 38
Accounts payable - related parties 70 68 64
Power purchases (Note 2) 47 47 90
Accrued interest 25 33 26
Accrued refunds 6 8 28
Other 147 176 166
------ ------ ------
1,085 1,186 867
------ ------ ------
Non-current Liabilities
Deferred income taxes 633 646 599
Postretirement benefits 508 500 520
Power purchases (Note 2) 167 178 215
Deferred investment tax credit 157 159 166
Regulatory liabilities for income taxes, net 75 66 53
Other 154 155 171
------ ------ ------
1,694 1,704 1,724
------ ------ ------

Commitments and Contingencies (Notes 2, 3, 5 and 6)

Total Stockholders' Investment and Liabilities $6,750 $7,025 $6,771
====== ====== ======
<FN>
(a) As described in Note 4 to the Consolidated Financial Statements, the primary asset of Consumers Power Company
Financing I is $103 million principal amount of 8.36% subordinated interest notes due 2015 from Consumers.
The accompanying condensed notes are an integral part of these statements.

</TABLE>
47

<TABLE>
Consumers Energy Company
Consolidated Statements of Common Stockholder's Equity
(Unaudited)
<CAPTION>
Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Common Stock
At beginning and end of period $ 841 $ 841 $ 841 $ 841
------- ------- ------- -------
Other Paid-in Capital
At beginning of period 504 491 504 491
Stockholder's contribution - 13 - 13
------- ------- ------- -------
At end of period 504 504 504 504
------- ------- ------- -------
Revaluation Capital
At beginning of period 37 29 29 17
Change in unrealized investment-gain (loss) (1) - 7 12
------- ------- ------- -------
At end of period 36 29 36 29
------- ------- ------- -------
Retained Earnings
At beginning of period 297 237 331 167
Net income 97 102 290 263
Common stock dividends declared - - (200) (70)
Preferred stock dividends declared (7) (7) (28) (28)
Preferred securities distributions (2) (1) (8) (1)
------- ------- ------- -------
At end of period 385 331 385 331
------- ------- ------- -------
Total Common Stockholder's Equity $ 1,766 $ 1,705 $ 1,766 $ 1,705
======= ======= ======= =======
<FN>
The accompanying condensed notes are an integral part of these statements.

</TABLE>
48

Consumers Energy Company
Condensed Notes to Consolidated Financial Statements


These financial statements and their related condensed notes should be
read along with the consolidated financial statements and notes contained
in the Consumers 1996 Form 10-K that includes the Report of Independent
Public Accountants. In the opinion of management, the unaudited
information herein reflects all adjustments necessary to assure the fair
presentation of financial position, results of operations and cash flows
for the periods presented.


1: Corporate Structure

Consumers is a combination electric and gas utility company serving the
Lower Peninsula of Michigan, and is the principal subsidiary of
CMS Energy, a holding company. Consumers' customer base includes a mix of
residential, commercial and diversified industrial customers, the largest
segment of which is the automotive industry.


2: The Midland Cogeneration Venture

The MCV Partnership, which leases and operates the MCV Facility,
contracted to sell electricity to Consumers for a 35-year period beginning
in 1990 and to supply electricity and steam to Dow. Consumers, through
two wholly owned subsidiaries, holds the following assets related to the
MCV Partnership and MCV Facility: 1) CMS Midland owns a 49 percent
general partnership interest in the MCV Partnership; and 2) CMS Holdings
holds, through the FMLP, a 35 percent lessor interest in the MCV Facility.

Summarized Statements of Income for CMS Midland and CMS Holdings:

In Millions
Three Months Ended Twelve Months Ended
March 31 1997 1996 1997 1996

Pretax operating income $8 $2 $46 $27
Income taxes and other 2 - 14 7
--- --- --- ---
Net income $6 $2 $32 $20
=== === === ===
Power Purchases from the MCV Partnership: Consumers' annual obligation to
purchase capacity from the MCV Partnership is 1,240 MW through the
termination of the PPA in 2025. The PPA provides that Consumers is to pay
the MCV Partnership a minimum levelized average capacity charge of 3.77
cents per kWh, a fixed energy charge, and a variable energy charge based
primarily on Consumers' average cost of coal consumed. Consumers is
recovering capacity charges averaging 3.62 cents per kWh for 915 MW of
capacity, the fixed energy charge, and the prescribed energy charges
associated with the scheduled deliveries within certain hourly
availability limits, whether or not those deliveries are scheduled on an
economic basis. Beginning January 1, 1996, Consumers was also permitted
to recover an average capacity charge of 2.86 cents per kWh for the
remaining 325 MW of MCV Facility capacity. The approved average capacity
charge increased to 3.62 cents per kWh for 109 MW by January 1, 1997. The
recoverable portion of the capacity charge for the last 216 MW of the 325
MW increases each year until it reaches 3.62 cents per kWh in 2004, and
remains at this ceiling rate through the end of the PPA term.

Consumers previously recognized a loss in 1992 for the present value of
the estimated future underrecoveries of power costs under the PPA.
Consumers believes that the original loss recorded remains adequate. At
March 31, 1997 and December 31, 1996, the after-tax present value of the
PPA liability totaled $140 million and $147 million, respectively. The
reduction in the liability since December 31, 1996 reflects after-tax cash
underrecoveries of $10 million partially offset by after-tax accretion
expense of $3 million. The undiscounted after-tax amount associated with
the liability totaled $535 million at March 31, 1997. Consumers
anticipates it will continue to experience cash underrecoveries associated
with the PPA as shown below.

In Millions
1997 1998 1999 2000 2001

Estimated cash under-
recoveries, net of tax $28 $23 $22 $21 $20

The amount of underrecoveries of power costs continues to be based, in
part, on management's best assessment of the future availability of the
MCV Facility. If the MCV Facility operates at levels above management's
estimate over the remainder of the PPA, future losses will need to be
recognized over and above amounts previously recorded and Consumers would
experience greater amounts of cash underrecoveries than originally
anticipated. Management will continue to evaluate the adequacy of the
accrued liability considering actual facility operations.

PSCR Matters Related to Power Purchases from the MCV Partnership: As part
of a 1995 decision in the PSCR reconciliation case for 1993, the MPSC
disallowed a portion of the costs related to purchases from the MCV
Partnership, and instead assumed recovery of those costs from wholesale
customers. Consumers believed this was contrary to the terms of an
earlier 1993 settlement order and appealed. The MCV Partnership and ABATE
also filed separate appeals of this order. In November 1996, the Court of
Appeals affirmed the MPSC's 1995 order. Consumers and the MCV Partnership
filed petitions for rehearing of the Court of Appeals opinion, which were
denied in January 1997.


3: Rate Matters

Electric Proceedings: In 1996, the MPSC issued a final order which
authorized Consumers to recover costs associated with the purchase of the
additional 325 MW of MCV Facility capacity (see Note 2) and to accelerate
recovery of its nuclear plant investment by charging $18 million of annual
steam production plant depreciation expense to the nuclear production
depreciation reserve. It also established a direct access program.
Customers having a maximum demand of at least 2 MW are eligible to
purchase generation services directly from any eligible third-party power
supplier. The program is limited to 650 MW of sales, of which 410 MW has
already been filled by existing contracts. An additional 140 MW may be
filled by new special contracts which Consumers has signed and submitted
to the MPSC for approval or direct access customers and the remaining 100
MW must be made available solely to direct access customers for at least
18 months. In April 1997, a lottery was held to select the customers to
purchase 100 MW by direct access.

Gas Proceedings: In the GCR reconciliation proceeding for the period April
1995 through March 1996, an issue has arisen questioning whether revenue
from gas loaning (which was a new business activity for Consumers) should,
in whole or in part, be immediately passed through to customers. The ALJ
issued a proposal for decision in January 1997 that agreed with the MPSC
staff's position that the gas loaning program uses storage assets of
Consumers and therefore recommended that 90 percent of the revenue should
be refunded to customers. As of March 31, 1997, $7 million would be
subject to refund if the MPSC adopts the ALJ position. Consumers will
continue to oppose this view before the MPSC.

In 1996, the MPSC authorized Consumers to implement a pilot gas
transportation program in Bay County, Michigan. The pilot program will
provide residential and small commercial customers the opportunity to
purchase gas from suppliers other than Consumers for a two-year period
beginning April 1997. Out of the 40,000 eligible customers, fewer than
500 volunteered to participate in the program. Consumers will retain its
role as transporter and distributor of this gas.

In 1995, the MPSC issued an order regarding a $44 million (excluding
interest) gas supply contract pricing dispute between Consumers and
certain intrastate producers. The order stated that Consumers was not
obligated to seek prior approval of market-based pricing changes that were
implemented under the contracts in question. The producers subsequently
filed a claim of appeal of the MPSC order with the Court of Appeals.
Consumers believes the MPSC order correctly concludes that the producers'
theories are without merit and will vigorously oppose any claims they may
raise, but cannot predict the outcome of this issue.

Resolution of the issues discussed in this note is not expected to have a
material effect on Consumers' financial position or results of operations.


4: Short-Term Financings and Capitalization

Consumers has FERC authorization to issue or guarantee up to $900 million
of short-term debt through 1998. Consumers has an unsecured $425 million
facility, and unsecured committed lines of credit aggregating $120 million
that are used to finance seasonal working capital requirements. At
March 31, 1997, a total of $88 million was outstanding at a weighted
average interest rate of 6.8 percent, compared with $38 million
outstanding at March 31, 1996, at a weighted average interest rate of 6.2
percent.

Consumers has also in place a $500 million trade receivables purchase and
sale program. At March 31, 1997 and 1996, receivables sold under the
agreement totaled $398 million and $280 million, respectively. Accounts
receivable and accrued revenue in the Consolidated Balance Sheets have
been reduced to reflect receivables sold.

In 1996, four million shares of 8.36 percent Trust Originated Preferred
Securities were issued and sold through Consumers Power Company Financing
I, a business trust wholly owned by Consumers. Net proceeds from the sale
totaled $97 million. Consumers Power Company Financing I was formed for
the sole purpose of issuing the Trust Originated Preferred Securities.
Its primary asset is $103 million principal amount of 8.36 percent
unsecured subordinated deferrable interest notes issued by Consumers which
mature in 2015. Consumers' obligations with respect to the Trust
Originated Preferred Securities under the notes, under the indenture under
which the notes have been issued, under Consumers' guarantee of the Trust
Originated Preferred Securities, and under the declaration by the trust,
taken together, constitute a full and unconditional guarantee by Consumers
of the trust's obligations under the Trust Originated Preferred
Securities.

Under the provisions of its Articles of Incorporation at March 31, 1997,
Consumers had $343 million of unrestricted retained earnings available to
pay common dividends. In April 1997, Consumers declared a $70 million
common dividend to be paid in May 1997.


5: Commitments and Contingencies

Environmental Matters: Consumers is a so-called potentially responsible
party at several sites being administered under Superfund. Superfund
liability is joint and several and along with Consumers, there are
numerous credit worthy, potentially responsible parties with substantial
assets cooperating with respect to the individual sites. Based upon past
negotiations, Consumers estimates that its share of the total liability
for the known sites will be between $2 million and $9 million. At March
31, 1997, Consumers has accrued $2 million for its estimated losses.

Under the Michigan Natural Resources and Environmental Protection Act,
Consumers expects that it will ultimately incur investigation and remedial
action costs at a number of sites, including some of the 23 sites that
formerly housed manufactured gas plant facilities, even those in which it
has a partial or no current ownership interest. Consumers has prepared
plans for remedial investigation/feasibility studies for several of these
sites. Four of the five plans submitted by Consumers have been approved
by the appropriate environmental regulatory authority in the State of
Michigan. Findings for the two completed remedial investigations indicate
that the expenditures for those two sites are likely to be less than the
amounts projected before the studies were performed. However, these
findings may not be representative of all of the sites. Data available to
Consumers and its continued internal review have resulted in an estimate
for all costs related to investigation and remedial action for all 23
sites of between $48 million and $98 million. These estimates are based
on undiscounted 1997 costs. At March 31, 1997, Consumers has accrued a
liability of $48 million and has established a regulatory asset for
approximately the same amount. Any significant change in assumptions,
such as remediation technique, nature and extent of contamination, and
legal and regulatory requirements, could affect the estimate of remedial
action costs for the sites. In accordance with an MPSC rate order issued
in 1996, environmental clean-up costs above the amount currently being
recovered in rates will be deferred and amortized over ten years. Rate
recognition of amortization expense will not begin until after a prudence
review in a general rate case. The order authorizes current recovery of
$1 million annually. Consumers is continuing discussions with certain
insurance companies regarding coverage for some or all of the costs that
may be incurred for these sites.

The Clean Air Act contains provisions that limit emissions of sulfur
dioxide and nitrogen oxides and require emissions monitoring. Consumers'
coal-fueled electric generating units burn low-sulfur coal and are
currently operating at or near the sulfur dioxide emission limits that
will be effective in the year 2000. The Act's provisions required
Consumers to make capital expenditures totaling $40 million to install
equipment at certain generating units. Consumers estimates capital
expenditures for in-process and proposed modifications at other coal-fired
units to be an additional $35 million by the year 2000. Management
believes that Consumers' annual operating costs will not be materially
affected as a result of these expenditures.

Capital Expenditures: Consumers estimates capital expenditures, including
new lease commitments, of $385 million for 1997, $380 million for 1998 and
$360 million for 1999. For further information regarding capital
expenditures, see Forward-Looking Information in the MD&A.

Other: A number of lawsuits have been filed against Consumers relating to
the effect of so-called stray voltage on certain livestock. Claimants
contend that stray voltage results when low-level electrical currents
present in grounded electrical systems are diverted from their intended
path. Consumers maintains a policy of investigating all customer calls
regarding stray voltage and working with customers to address their
concerns and has an ongoing mitigation program to modify the service of
all customers with livestock. As of April 30, 1997, Consumers had 18
separate stray voltage lawsuits awaiting trial court action, down from 22
lawsuits at year end 1996.

In addition to the matters disclosed in these notes, Consumers and certain
of its subsidiaries are parties to certain lawsuits and administrative
proceedings before various courts and governmental agencies arising from
the ordinary course of business and involving personal injury, property
damage, contractual matters, environmental issues, federal and state
taxes, rates, licensing and other matters.

Estimated losses for certain contingencies discussed in this note have
been accrued. Resolution of these contingencies is not expected to have a
material impact on Consumers' financial position or results of operations.


6: Nuclear Matters

Consumers has loaded 13 dry storage casks with spent nuclear fuel at
Palisades. In a review of the cask manufacturer's quality assurance
program, indications of minor flaws in welds in the steel liner of one of
the loaded casks were detected. Radiographic examination of the casks has
found all other welds acceptable. The cask in which the minor flaws were
detected continues to store spent fuel safely and there is no requirement
for its replacement. Nevertheless, Consumers plans to remove the spent
fuel and insert it into a transportable cask. Bids are currently being
taken for the design and fabrication of the transportable cask.

Consumers is required to make certain calculations and report to the NRC
about the continuing ability of the Palisades reactor vessel to withstand
postulated pressurized thermal shock events during its remaining license
life, in light of the embrittlement of reactor vessel materials over time
due to operation in a radioactive environment. Based on continuing
analysis of data from testing of similar materials, in 1996, Consumers
received an interim Safety Evaluation Report from the NRC indicating that
the reactor vessel can be safely operated through 2003 before reaching the
NRC's screening criteria for reactor embrittlement. Consumers believes
that with fuel management designed to minimize embrittlement, Palisades
might be operated to the end of its license life in the year 2007 without
annealing of the reactor vessel, but will continue to monitor the matter.


7: Supplemental Cash Flow Information

For purposes of the Statement of Cash Flows, all highly liquid investments
with an original maturity of three months or less are considered cash
equivalents. Other cash flow activities and non-cash investing and
financing activities were:

In Millions
Three Months Twelve Months
Ended Ended
March 31 1997 1996 1997 1996

Cash transactions
Interest paid (net of amounts
capitalized) $ 48 $ 45 $160 $164
Income taxes paid (net of refunds) 1 5 115 48

Non-cash transactions
Nuclear fuel placed under capital lease $ 3 $ - $ 31 $ 20
Other assets placed under capital leases 2 1 4 4
Capital leases refinanced - - - 21
53

ARTHUR ANDERSEN LLP



Report of Independent Public Accountants
----------------------------------------


To Consumers Energy Company:

We have reviewed the accompanying consolidated balance sheets of CONSUMERS
ENERGY COMPANY (a Michigan corporation and wholly owned subsidiary of
CMS Energy Corporation) and subsidiaries as of March 31, 1997 and 1996,
and the related consolidated statements of income, common stockholder's
equity and cash flows for the three-month and twelve-month periods then
ended. These financial statements are the responsibility of the Company's
management.

We conducted our review in accordance with standards established by the
American Institute of Certified Public Accountants. A review of interim
financial information consists principally of applying analytical
procedures to financial data and making inquiries of persons responsible
for financial and accounting matters. It is substantially less in scope
than an audit conducted in accordance with generally accepted auditing
standards, the objective of which is the expression of an opinion
regarding the financial statements taken as a whole. Accordingly, we do
not express such an opinion.

Based on our review, we are not aware of any material modifications that
should be made to the financial statements referred to above for them to
be in conformity with generally accepted accounting principles.

We have previously audited, in accordance with generally accepted auditing
standards, the consolidated balance sheet and consolidated statements of
long-term debt and preferred stock of Consumers Energy Company and
subsidiaries as of December 31, 1996, and the related consolidated
statements of income, common stockholder's equity and cash flows for the
year then ended (not presented herein), and, in our report dated January
24, 1997, we expressed an unqualified opinion on those statements. In our
opinion, the information set forth in the accompanying consolidated
balance sheet as of December 31, 1996, is fairly stated, in all material
respects, in relation to the consolidated balance sheet from which it has
been derived.

Arthur Andersen LLP


Detroit, Michigan,
May 9, 1997.
54

PART II. OTHER INFORMATION


ITEM 1. LEGAL PROCEEDINGS

The discussion below is limited to an update of developments that have
occurred in various judicial and administrative proceedings, many of which
are more fully described in CMS Energy's and Consumers' Forms 10-K for the
year ended December 31, 1996. Reference is made to the Condensed Notes to
the Consolidated Financial Statements included herein for additional
information regarding various pending administrative and judicial
proceedings involving rate, operating and environmental matters.


CMS ENERGY EXEMPTION UNDER PUHCA

CMS Energy is exempt from registration under PUHCA. In addition to a
specific challenge to CMS Energy's exemption, there have been various
generic administrative and legislative proposals to repeal or revise PUHCA
in recent years. In April 1997, a bill was introduced in the United
States Senate which would repeal PUHCA without at the same time
deregulating the electric industry. The bill was referred to the Senate
Banking, Housing and Urban Affairs Committee, the chairman of which is a
co-sponsor of the bill.


CONSUMERS STRAY VOLTAGE LAWSUITS

Consumers has a number of lawsuits relating to so-called stray voltage,
which results when small electrical currents present in grounded electric
systems are diverted from their intended path. At April 30, 1997,
Consumers had 18 separate stray voltage cases awaiting action at the trial
court level.


ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

At Consumers' Special Meeting of Shareholders held on March 10, 1997, the
shareholders approved an amendment to Consumers' Articles of Incorporation
changing the name from Consumers Power Company to Consumers Energy
Company. The vote was 84,108,789 shares in favor of the amendment, with
no shares voted against or abstaining.


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

(a) List of Exhibits

(4) - CMS Energy: Third Supplemental Indenture dated as of May
6, 1997 between CMS Energy and NBD Bank, as
Trustee
(12) - CMS Energy: Statements regarding computation of Ratio of
Earnings to Fixed Charges
(15) - CMS Energy: Letter of Independent Public Accountant
(27)(a) - CMS Energy: Financial Data Schedule
(27)(b) - CMS Energy: Restated 1996 Financial Data Schedules
(27)(c) - CMS Energy: Restated 1995 Financial Data Schedules
(27)(d) - CMS Energy: Restated 1994 Financial Data Schedules
(27)(e) - Consumers: Financial Data Schedule
(27)(f) - Consumers: Restated 1996 Financial Data Schedules
(27)(g) - Consumers: Restated 1995 Financial Data Schedules
(27)(h) - Consumers: Restated 1994 Financial Data Schedules
(99) - CMS Energy: Consumers Gas Group Financials

(b) Reports on Form 8-K

A Current Report on Form 8-K dated March 7, 1997 was filed by each of
CMS Energy and Consumers covering matters pursuant to "Item 5. Other
Events."
56

SIGNATURES


Pursuant to the requirements of the Securities Exchange Act of 1934, each
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized. The signature for each undersigned
company shall be deemed to relate only to matters having reference to such
company or its subsidiary.



CMS ENERGY CORPORATION
------------------------------------
(Registrant)


Dated: May 14, 1997 By A. M. Wright
------------------------------------
Alan M. Wright
Senior Vice President,
Chief Financial Officer and Treasurer



CONSUMERS ENERGY COMPANY
------------------------------------
(Registrant)


Dated: May 14, 1997 By A. M. Wright
-----------------------------------
Alan M. Wright
Senior Vice President and
Chief Financial Officer