CMS Energy
CMS
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$21.46 B
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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 June 30, 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 July 31, 1997:

CMS Energy Corporation:
CMS Energy Common Stock, $.01 par value 96,034,916
CMS Energy Class G Common Stock, no par value 8,028,975
Consumers Energy Company, $10 par value, privately 84,108,789
held by CMS Energy
2

CMS Energy Corporation
and
Consumers Energy Company


Quarterly reports on Form 10-Q to the Securities and Exchange Commission
for the Quarter Ended June 30, 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 21
Consolidated Statements of Cash Flows 22
Consolidated Balance Sheets 23
Consolidated Statements of Common Stockholders' Equity 25
Condensed Notes to Consolidated Financial Statements 26
Report of Independent Public Accountants 36
Consumers Energy Company
Management's Discussion and Analysis 37
Consolidated Statements of Income 49
Consolidated Statements of Cash Flows 50
Consolidated Balance Sheets 51
Consolidated Statements of Common Stockholder's Equity 53
Condensed Notes to Consolidated Financial Statements 54
Report of Independent Public Accountants 62
PART II:
Item 1. Legal Proceedings 63
Item 4. Submission of Matters to a Vote
of Security Holders 63
Item 6. Exhibits and Reports on Form 8-K 64
Signatures 66
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
Big Rock. . . . . . . . . . . . . Big Rock Point nuclear power plant,
owned by Consumers
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 . . . . . . . . . . . . . . . Earning 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, $250
million Series A, $125 million Series
B and $150 million Series C
GVK . . . . . . . . . . . . . . . GVK Industries, the owner of an
independent power project in
Jegurupadu, Andhra Pradesh, India in
which CMS Generation owns 25.25%

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
Senior Credit Facilities. . . . . $1.125 billion senior credit
facilities consisting of a $400
million 364-day revolving credit
facility, $600 million three-year
revolving credit facility and a five-
year $125 million term loan facility.
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


(This page intentionally left blank)
6

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; storage, transmission and
processing of natural gas; energy marketing, services and trading; and
international energy distribution.


Consolidated Earnings

In Millions, Except Per Share Amounts
June 30 1997 1996 Change

Three months ended
Consolidated Net Income $ 54 $ 50 $ 4
Net Income Attributable to
Common Stocks: CMS Energy 52 49 3
Class G 2 1 1
Earnings Per Average
Common Share: CMS Energy .55 .54 .01
Class G .16 .16 -

Six months ended
Consolidated Net Income $138 $138 $ -
Net Income Attributable to
Common Stocks: CMS Energy 127 125 2
Class G 11 13 (2)
Earnings Per Average
Common Share: CMS Energy 1.34 1.37 (.03)
Class G 1.34 1.66 (.32)

Twelve months ended
Consolidated Net Income $240 $ 223 $ 17
Net Income Attributable to
Common Stocks: CMS Energy 228 207 21
Class G 12 16 (4)
Earnings Per Average
Common Share: CMS Energy 2.42 2.28 .14
Class G 1.52 2.05 (.53)

(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 June 30, 1996, would be $1.96.

The increase in earnings for the second quarter of 1997 compared to the
same 1996 period reflects Consumers' increased electric sales and gas
deliveries partially offset by Consumers' reduced gas wholesale services
revenues in 1997. The second quarter of 1997 included recognition of an
industry expertise service fee in connection with the Loy Yang A
transaction, compared to the second quarter of 1996 which included a
nonrecurring gain from the buyout of a power purchase agreement.
Consolidated net income for the six months ended June 1997 was the same as
the comparable period in 1996. The favorable impact of Consumers'
electric rate increase received in February 1996, which benefited the
entire first half of 1997, along with improved operating results from the
MCV Facility in which Consumers has a 49 percent interest, were offset by
Consumers' decreased gas deliveries due to warmer temperatures during the
early part of 1997 and Consumers' reduced gas wholesale services revenues
in 1997. Consolidated net income for 1997 included the industry expertise
service fee, while 1996 had included a nonrecurring gain from the buyout
of a power purchase agreement. The increase in earnings for the twelve
months ended June 1997 compared to the same 1996 period reflects the
favorable impact of Consumers' electric rate increase received in February
1996, revenues from gas 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, the industry
expertise fee, and CMS Generation's gain on the sale of a partnership
interest. Partially offsetting the increases for the twelve months ended
period were decreased Consumers' electric revenues because of special
contract discounts negotiated with large industrial customers, decreased
Consumers' gas deliveries due to warmer temperatures during the first
quarter of 1997, and a 1996 nonrecurring gain on the buyout of a power
purchase agreement by a partnership in which CMS Generation owns a 50
percent interest. 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 the second quarter of 1997, Consumers paid a $70
million common dividend to CMS Energy. In July 1997, Consumers declared a
$43 million common dividend to be paid in August 1997. In the first and
second quarters of 1997, Enterprises paid common dividends and other
distributions of $21 million and $93 million, respectively, 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, CMS NOMECO's sale of oil and
natural gas, CMS Gas Transmission's transportation and storage of natural
gas and CMS Generation's independent power production of electricity .
Consolidated cash from operations totaled $381 million and $486 million
for the first six months of 1997 and 1996, respectively. The $105 million
decrease resulted from the timing of cash payments related to routine
operations. 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 $935
million and $430 million for the first six months of 1997 and 1996,
respectively. The increase of $505 million primarily reflects an increase
in capital expenditures and investments in partnerships and unconsolidated
subsidiaries during 1997. CMS Energy's 1997 expenditures for its utility
and international businesses were $165 million and $734 million,
respectively.

Financing Activities: Net cash provided by (used in) financing activities
totaled $549 million and $(52) million for the first six months of 1997
and 1996, respectively. The increase of $601 in net cash resulted from the
issuances of senior unsecured notes , Series C GTNs and convertible
quarterly income preferred securities, and a reduction in the paydown of
notes payable and bank loans for the first six months of 1997 compared to
the first six months of 1996; which was partially offset by the retirement
of bonds and other long term debt in 1997.

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. At June 30, 1997, CMS Energy had $224 million of Series A GTNs,
$125 million of Series B GTNs and $87 million of Series C GTNs issued and
outstanding with weighted-average interest rates of 7.7 percent, 7.9
percent and 8.0 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 repay debt and in part to fund CMS Energy's
equity investment in the 2,000 MW Loy Yang A electric generating plant and
associated mine facilities in the State of Victoria, Australia.

In May 1997, CMS Energy and affiliated business trusts filed a shelf
registration statement with the SEC for the issuance and the sale of up to
$300 million of CMS Energy Common Stock, subordinated debentures, stock
purchase contracts, stock purchase units and preferred securities. In
June 1997, 3,450,000 units of 7.75 percent convertible quarterly income
preferred securities were issued and sold through CMS Energy Trust I, a
business trust wholly owned by CMS Energy. Net proceeds from the sale
totaled $173 million. CMS Energy Trust I was formed for the sole purpose
of issuing quarterly income preferred securities. Its primary asset is
approximately $178 million principal amount of 7.75 percent subordinated
debentures issued by CMS Energy which mature in 2027. The trust preferred
securities are convertible into shares of CMS Energy Common Stock at a
rate equivalent to a conversion price of $40.80 per share. Proceeds of
the subordinated debentures were used by CMS Energy for general corporate
purposes including repayment of debt, capital expenditures, investment in
subsidiaries and working capital. CMS Energy's obligations under the
subordinated debentures, the indenture under which the subordinated
debentures were issued, the declaration of trust and the CMS Energy
guarantee provide, in the aggregate, a full irrevocable and unconditional
guarantee of payments of distributions and other amounts due on the trust
preferred securities.

In February and May 1997, CMS Energy paid $52 million in cash dividends to
holders of CMS Energy Common Stock and $4 million in cash dividends to
holders of Class G Common Stock. In July 1997, the Board of Directors
declared quarterly dividends of $.30 per share on CMS Energy Common Stock
and $.31 per share on Class G Common Stock to be paid in August 1997,
representing an increase in the annualized dividend on CMS Energy Common
Stock to $1.20 per share from the previous amount of $1.08 per share (an
11.1 percent increase), and an increase in the annualized dividend on
Class G Common Stock to $1.24 per share from the previous dividend of
$1.18 per share (a 5.1 percent increase).

Other Investing and Financing Matters: At June 30, 1997, CMS Energy had
available unsecured, lines of credit and letters of credit totaling $155
million and a $450 million unsecured revolving credit facility. At June
30, 1997 and 1996, the total amount utilized under these facilities was
$214 million and $233 million, respectively. In addition, CMS Energy had
an unsecured $125 million term loan. On July 3, 1997 CMS Energy
refinanced the unsecured revolving credit facility and the term loan with
$1.125 billion in Senior Credit Facilities consisting of a $400 million
364-day revolving credit facility, $600 million three-year revolving
credit facility and a five-year $125 million term loan facility. At July
31, 1997 the total amount utilized under the Senior Credit Facilities was
$379 million and the amount utilized under the $155 million lines of
credit and letters of credit was $31 million.

Consumers had 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 June 30, 1997 and 1996, the total amount outstanding under these
facilities was $241 million and $108 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 June 30, 1997 and 1996, receivables sold totaled
$266 million and $200 million, respectively.

In August 1997, Consumers and an affiliated business trust, Consumers
Energy Company Financing II, filed a registration statement with the SEC
for the issuance and sale of up to $120 million of trust originated
preferred securities. Consumers Energy Company Financing II was formed
for the sole purpose of issuing trust originated preferred securities and
investing the proceeds in subordinated notes which will be unsecured
obligations of Consumers. Consumers will use the net proceeds from the
sale of the subordinated notes to redeem, refinance or refund existing
long-term securities, which may include first mortgage bonds, stocks,
preferred securities or notes.

In August 1997, Consumers announced that it will redeem all of the
outstanding shares of its $7.45, $7.68, $7.72 and $7.76 preferred stock.
This $119 million redemption of preferred stock will take place in
September 1997.


At June 30, 1997, the book value per share of CMS Energy Common Stock and
Class G Common Stock was $17.99 and $12.16 respectively.


Consumers' Electric Business Unit Results of Operations

Electric Pretax Operating Income:

In Millions
Three Months Six Months Twelve Months
Ended June 30 Ended June 30 Ended June 30
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996

Sales (including special
contract discounts) $ 7 $ 4 $ (4)
Rate increases and other
regulatory issues 1 11 39
Operations and maintenance 2 (1) (7)
General taxes and depreciation
and other (2) (6) (8)
---- ---- ----

Total change $ 8 $ 8 $ 20

==== ==== ====
Electric Sales: Total electric sales increased for the quarter ended (1.7
percent), six months ended (1.0 percent), and twelve months ended (2.7
percent) June 30, 1997, over the comparable 1996 periods. The table below
reflects electric kWh sales by class of customer for each period:

In Billions of kWh
Three Months Ended Six Months Ended Twelve Months Ended
June 30 1997 1996 Change 1997 1996 Change 1997 1996 Change

Residential 2.5 2.4 0.1 5.3 5.4 (0.1) 10.9 11.0 (0.1)
Commercial 2.5 2.4 0.1 4.9 4.8 0.1 10.1 9.8 0.3
Industrial 3.4 3.2 0.2 6.4 6.1 0.3 13.2 12.5 0.7
Other 0.6 0.9 (0.3) 1.4 1.6 (0.2) 3.0 2.9 0.1
---- ---- ---- ---- ---- ---- ---- ---- ----

Total Sales 9.0 8.9 0.1 18.0 17.9 0.1 37.2 36.2 1.0
==== ==== ==== ==== ==== ==== ==== ==== ====

Power Costs:

In Millions
June 30 1997 1996 Change

Three months ended $ 270 $ 260 $ 10
Six months ended 552 520 32
Twelve months ended 1,119 1,028 91

The cost increases for all periods ended June 30, 1997, reflect greater
power purchases from outside sources to meet the increased 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.

Consumers anticipates it will continue to experience cash underrecoveries
associated with the PPA as shown below. These after-tax cash
underrecoveries were based on the assumption that the MCV Facility would
be available to generate electricity 90 percent of the time. However, for
the first six months of 1997 the MCV Facility has been available 98.9
percent of the time, resulting in after-tax cash underrecoveries of $20
million. The underrecovery shown in the table below for the year 1997 has
been revised to reflect the anticipated availability of the MCV Facility.
For further information, see Note 2.

In Millions
1997 1998 1999 2000 2001

Estimated cash under-
recoveries, net of tax $40 $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 costs associated with the purchase of the
additional 325 MW of MCV Facility capacity and to accelerate recovery of
its nuclear plant investment by increasing prospective annual nuclear
plant depreciation expense by $18 million with a corresponding decrease in
fossil-fueled generating plant depreciation expense. 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 can 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 8.

Big Rock will close permanently on August 29, 1997, because management has
determined that the plant would be uneconomical to operate in an
increasingly competitive environment. The plant was originally scheduled
to close May 31, 2000, at the end of the plant's operating license. Plant
decommissioning will begin in September 1997 and is expected to take five
to ten years to return the site to its original condition. The current
decommissioning fund, together with future collections from customers and
future earnings of the fund, is expected to be adequate to cover the plant
decommissioning expenses.

Electric Environmental Matters: The Clean Air Act contains significant
environmental constraints under which industry will operate in the future.
While certain of the Act's provisions specific to utilities will require
that certain capital expenditures be made to comply with nitrogen oxide
emission limits, Consumers' 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.

The Clean Air Act also contains national air quality standards under which
industry must operate. Currently, Consumers operates within these
standards and meets current ozone and small particle related emission
limits. The Act requires the EPA to periodically review the effectiveness
of these standards in preventing adverse health affects. The EPA recently
revised these standards to increase the restrictions on small particle and
ozone related emissions. CMS Energy and Consumers support the bi-partisan
effort in Congress to delay implementation of the revised standards until
the relationship between the new standards and health improvements is
established.

In addition, the EPA is reviewing recommendations from the Ozone Transport
Assessment Group to reduce ozone transport across state lines. The EPA is
expected to require the State of Michigan to impose additional nitrogen
oxide reductions goals on Consumers' fossil-fueled generating units.

The preliminary estimate of the cost of the changes Consumers may have to
make to its fossil-fueled generating units to reduce ozone related
emissions is approximately $175 million. A potentially equivalent amount
may be needed to comply with the new small particle standards.

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 7.

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 June 30, 1997, 18 separate stray voltage lawsuits were awaiting
trial court action, down from 22 lawsuits as reported 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 Six Months Twelve Months
Change Compared Ended June 30 Ended June 30 Ended June 30
to Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996

Sales $ 3 $(15) $(19)
Recovery of gas costs
and other issues - - (3)
Gas wholesale and retail
services activities (5) (7) 4
Operations and maintenance 5 10 4
General taxes, depreciation
and other (3) (3) (3)
---- ---- ----
Total change $ - $(15) $(17)
==== ==== ====

Gas Deliveries: Total system deliveries, excluding transport to the MCV
Facility and other miscellaneous transportation, increased 5.8 percent for
the quarter ended June 30, 1997, but decreased 4.1 percent and 3.7 percent
for the six months and twelve months ended June 30, 1997, respectively.
The table below indicates total deliveries and the impact of weather.

In bcf
Three Six Twelve
Months Ended Months Ended Months Ended
June 30 1997 1996 Change 1997 1996 Change 1997 1996 Change

Weather-adjusted
deliveries
(variance reflects
growth) 52 52 - 198 198 - 334 332 2
Impact of weather and
leap year 8 5 3 4 13 (9) 9 24 (15)
-- -- -- --- --- --- --- --- ---
System deliveries
transport excluding
to MCV Facility 60 57 3 202 211 (9) 343 356 (13)
Transport to
MCV Facility 14 16 (2) 32 33 (1) 64 60 4
Other Transportation 2 4 (2) 10 18 (8) 18 26 (8)
-- -- -- --- --- --- --- --- ---
Total deliveries 76 77 (1) 244 262 (18) 425 442 (17)
== == == === === === === === ===

Cost of Gas Sold:

In Millions
June 30 1997 1996 Change

Three months ended $118 $107 $ 11
Six months ended 432 453 (21)
Twelve months ended 729 744 (15)

The increase for the three months ended June 30, 1997, reflects increased
gas sales and slightly higher prices for gas during 1997. The decreases
for the six month and twelve month periods ended June 30, 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. If the MPSC adopts the ALJ position, $8 million as of June 30,
1997, would be subject to refund. Consumers has not provided a
contingency reserve for this potential refund and 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 June 30, 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 7.


Oil and Gas Exploration and Production

Pretax Operating Income: Pretax operating income for the three and six
months ended June 30, 1997 increased $2 million over the comparable
periods 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 June 30, 1997
increased $15 million over the twelve months ended June 30, 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 six months ended June
30, 1997 include $13 million in the United States, $21 million in South
America and $29 million in Africa.


Independent Power Production

Pretax Operating Income: Pretax operating income for the three months
ended June 30, 1997 was $2 million less than the same period in 1996,
primarily reflecting increased ongoing earnings and a $13 million industry
expertise service fee in 1997 income, as compared to a $15 million 1996
nonrecurring gain resulting from the buyout of a power purchase agreement
by a partnership in which CMS Generation owns a 50 percent interest .
Pretax operating income for the six months ended June 30, 1997 was $2
million more than the same period in 1996, primarily reflecting increased
operating income resulting from higher electricity sales by the MCV and
the industry expertise service fee income in 1997, as compared to the 1996
nonrecurring gains, including the buyout of the power purchase agreement.
Pretax operating income for the twelve months ended June 30, 1997
increased $17 million from the same period in 1996, primarily reflecting
the industry expertise service fee, improved MCV Partnership earnings and
increases in income from other equity investments as compared to the 1996
nonrecurring gains associated with the buyout of a power purchase
agreement and a favorable litigation settlement.

Capital Expenditures and Other: In the second quarter of 1997,
CMS Generation closed financing of the La Plata Cogeneration Plant, a 128
MW natural gas-fueled, combined-cycle power plant currently under
construction in Buenos Aires Province, Argentina. The $75 million,
limited recourse, financing with the U.S. Overseas Private Investment
Corporation is for a term of 12 years. The plant is being built on the
site of a petroleum refinery owned and operated by YPF S.A., Argentina's
largest oil company, and is scheduled to commence operation during the
third quarter of 1997. 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.

In 1996, CMS Generation 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 additional two
units will begin shortly thereafter.

In 1996, CMS Generation 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.

In the first quarter of 1997, the plant built by GVK began generating
electricity from all three of its combustion turbines. CMS Generation
operates the 235 MW plant under contract to GVK. Synchronization of the
steam turbine generator of the combined-cycle facility was achieved in
June 1997. 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 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 50 percent interest in Private Power Operators Limited, which
operates the plant. Construction on the balance of the plant, including
the 4 MW waste heat steam turbine, will be complete in the last half of
1997.

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

In the first quarter of 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 in July
1997 with Thailand's Amata-EGCO Power Limited, to operate and maintain a
170 MW gas-fired cogeneration plant. The combined-cycle power plant is
now under construction, with completion scheduled in 1998.

In the second quarter of 1997, a consortium comprised of subsidiaries of
CMS Generation and Northern States Power as well as Horizon Energy
Australia Investments acquired the Loy Yang A power plant, Victoria's
largest electric generating plant and Australia's lowest-cost electric
generating facility , in a privatization by the Australian State of
Victoria. The assets include a 2,000 MW, brown coal-fueled plant and an
associated coal mine supplying both the Loy Yang A and B plants. Seventy
seven percent of the consortium's $3.7 billion payment to the government
was financed on a non-recourse basis to CMS Energy and CMS Generation by a
consortium of banks. CMS Generation holds a fifty percent ownership
interest and Northern States Power 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 Northern States Power subsidiaries and their affiliates.


Natural Gas Transmission, Storage and Processing

Pretax Operating Income: Pretax operating income for the three months
ended June 30, 1997 was $8 million, which was the same as in the 1996
period, primarily reflecting income attributable to the Australian
pipeline acquired in 1997 offset by the 1996 gain resulting from the
dissolution of the Moss Bluff and Grand Lacs Partnerships. Pretax
operating income for the six months ended June 30, 1997 increased $3
million from the same period in 1996 reflecting new pipeline, storage and
processing investments (including the Australian pipeline acquisition in
1997), continued growth of existing projects, and a gain on the sale of a
portion of the Ames gas gathering system, partially offset by the 1996
gain resulting from the dissolution of the Moss Bluff and Grand Lacs
Partnerships. Pretax operating income for the twelve months ended June
30, 1997 increased $8 million from the twelve months ended June 30, 1996,
reflecting income attributable to the Australian pipeline acquisition, a
gain on the sale of a portion of the Ames gas gathering system and
continued growth of existing projects, primarily TGN.

Capital Expenditures and Other: CMS Gas Transmission and ENDESA, Chile's
largest electricity generation and transmission company, have undertaken
an integrated $750 million project to construct a 930 kilometer pipeline
and a 720 MW natural gas-fueled, combined cycle generating plant. The
pipeline will transport natural gas across the Andes Mountains from
northern Argentina to markets in northern Chile. The 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
the fourth quarter of 1997, with gas transportation and plant operations
expected in the first quarter of 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 the state of New York and other northeastern
markets. The Millennium Pipeline would provide a new, 400-mile link
through a connection with the TransCanada pipeline system, flowing western
Canadian and U.S. natural 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 the second quarter of 1997, CMS Gas Transmission acquired a 420-
kilometer (260-mile) pipeline near Perth, Australia. Included in the
acquisition were 30 bcf of proven natural gas reserves and an associated
gas storage facility in pre-operational testing. The pipeline is capable
of transporting 120 million cubic feet per day of natural gas to
industrial gas users in Perth.


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 80 bcf and 58 bcf for the second quarter of
1997 and 1996, respectively.


International Energy Distribution

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 electric
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. As of June 30,
1997 year to date sales were 523,111 MW.


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 $3.6 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) $ 275 $ 285 $ 275
Consumers gas operations (a) 115 105 105
Oil and gas exploration and production 135 150 160
Independent power production (b) 750 314 124
Natural gas transmission and storage 108 170 81
International energy distribution 120 125 125
Marketing, services and trading 17 21 25

------ ------ ------
$1,520 $1,170 $ 895
====== ====== ======

(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 Loy Yang A electric
generating plant in Australia.

CMS Energy currently plans to invest $445 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 $1.2 billion 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 $359 million from 1997 to 1999 are planned to continue
development of non-utility natural gas storage, gathering and pipeline
operations both domestically and internationally. CMS Energy plans to
invest $370 million from 1997 to 1999 in its international energy
distribution operations related to international expansion. CMS MST plans
to invest $63 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 percent per year in electric system sales over the next five years,
based on the current industry and regulatory 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 direct access to alternative sources of energy
supply 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 by 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 response to utility filings previously solicited by the MPSC, in June
1997, the MPSC issued an order relating to the restructuring of the
electric power industry in Michigan. The order proposes a phase-in of 150
MW annually of Consumers' retail load for competition beginning January 1,
1998. By January 1, 2002, all customers would be free to choose (that is,
have direct-access to) their electric generation suppliers. The order
would allow utilities to recover prudently incurred transition costs
through a transmission charge applicable through the year 2007 for all
direct-access retail customers. The MPSC requested the utilities to file
proposals for a true-up mechanism to adjust transition charge revenues
depending upon both actual sales and market prices of power to the extent
that they are different from original estimates. Consumers subsequently
filed a modified plan that has a true-up for sales and a true-up for power
purchases only.

The 1997 June order further states that securitization may be another
alternative for recovery of transition costs, but recognizes that state
legislation is required before securitization can be implemented.
Michigan legislative consideration of a securitization process is expected
this fall. Consumers expects the legislation to provide for immediate
recovery of transition costs in exchange for an immediate rate reduction
for all customers, with a securitization charge to be paid by all
customers over a period of 15 years (the expected term of the rate
reduction bonds issued in the securitization), as discussed further below.
Consumers has filed responsive data and proposals to the June order asking
the MPSC to take certain actions designed to implement Consumers' view of
how electric restructuring should occur, including the approval of
specific transition charges, but also seeking a rehearing on several
issues, including whether the MPSC has the statutory authority to mandate
restructuring on a basis which an electric utility would not accept
voluntarily. Other parties filed claims of appeal with the Michigan Court
of Appeals.

The MPSC also decided in a July 1997 order to commence a number of
different contested case proceedings to address certain selected issues on
which it desired still more information. The expedited schedules for
these hearings would have all of them concluded and submitted to the MPSC
for decision by mid-October. Pretrial activity will occur in August,
hearings in September and briefing in late September and early October.

Consumers' March 1997 information estimated for the MPSC that, through
2007, Consumers would recover $1.9 billion (as revised in a June 1997
filing) of transition costs through a transition charge to direct-access
customers. A separate charge to direct-access customers would also
recover implementation costs totaling an additional $200 million.
Alternatively, if Consumers recovers transition costs through
securitization, 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 represents the net present value of: 1)
the $1.9 billion of costs that Consumers would otherwise have recovered in
the transition charge to direct access customers; and 2) the costs that
Consumers would otherwise have recovered from customers on bundled rates
before getting choice of generation suppliers. Consumers' data indicate
that the rates to be paid by all customers under the securitization
alternative result in more than a $200 million annual savings to those
customers when compared to the rates they would pay without securitization
because the assumed 15-year repayment period of the bonds allows the cost
reimbursement by the customers to be spread out over a longer period, and
because securitization allows securitized costs to be financed at a lower
rate.


Consumers currently applies the utility accounting standard, SFAS 71, that
recognizes the economic effects of rate regulation and, accordingly, has
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. 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. CMS Energy is in the process of quantifying the
effect of applying the statement.
21

<TABLE>
CMS Energy Corporation
Consolidated Statements of Income
(Unaudited)
<CAPTION>
Three Months Ended Six Months Ended Twelve Months Ended
June 30 1997 1996 1997 1996 1997 1996
In Millions, Except Per Share Amounts
<S> <C> <C> <C> <C> <C> <C>
Operating Revenue
Electric utility $ 598 $ 581 $1,218 $1,172 $2,492 $2,366
Gas utility 220 209 718 757 1,242 1,273
Oil and gas exploration and production 33 31 68 62 136 114
Independent power production 42 37 71 64 147 114
Natural gas transmission, storage
and processing 27 16 53 28 87 43
Marketing, services and trading 114 61 213 132 339 232
Other 2 3 8 6 18 17
------ ------ ------ ------ ------ ------
1,036 938 2,349 2,221 4,461 4,159
------ ------ ------ ------ ------ ------
Operating Expenses
Operation
Fuel for electric generation 71 70 140 143 293 292
Purchased power - related parties 146 146 297 286 600 532
Purchased and interchange power 53 44 115 91 226 204
Cost of gas sold 235 165 651 576 1,072 957
Other 167 172 336 342 731 709
------ ------ ------ ------ ------ ------
672 597 1,539 1,438 2,922 2,694
Maintenance 42 38 83 78 183 173
Depreciation, depletion and amortization 107 99 238 223 456 433
General taxes 48 45 109 104 207 202
------ ------ ------ ------ ------ ------
869 779 1,969 1,843 3,768 3,502
------ ------ ------ ------ ------ ------
Pretax Operating Income (Loss)
Electric utility 104 96 210 202 419 399
Gas utility 23 23 101 116 143 160
Oil and gas exploration and production 11 9 20 18 41 26
Independent power production 25 27 35 33 70 53
Natural gas transmission, storage
and processing 8 8 17 14 29 21
Marketing, services and trading - - 1 2 1 3
Other (4) (4) (4) (7) (10) (5)
------ ------ ------ ------ ------ ------
167 159 380 378 693 657
------ ------ ------ ------ ------ ------
Other Income (Deductions)
Accretion income 2 2 4 5 9 11
Accretion expense (4) (7) (9) (14) (17) (29)
Other, net 1 1 2 3 - 5
------ ------ ------ ------ ------ ------
(1) (4) (3) (6) (8) (13)
------ ------ ------ ------ ------ ------
Fixed Charges
Interest on long-term debt 66 59 126 116 240 227
Other interest 11 8 22 19 46 43
Capitalized interest (4) (2) (7) (4) (11) (10)
Preferred dividends 7 7 14 14 28 28
Preferred securities distributions 3 2 5 4 9 4
------ ------ ------ ------ ------ ------
83 74 160 149 312 292
------ ------ ------ ------ ------ ------
Income Before Income Taxes 83 81 217 223 373 352

Income Taxes 29 31 79 85 133 129
------ ------ ------ ------ ------ ------
Consolidated Net Income $ 54 $ 50 $ 138 $ 138 $ 240 $ 223
====== ====== ====== ====== ====== ======
Net Income Attributable to Common Stocks
CMS Energy $ 52 $ 49 $ 127 $ 125 $ 228 $ 207
Class G $ 2 $ 1 $ 11 $ 13 $ 12 $ 16
Average Common Shares Outstanding
CMS Energy 95 92 95 92 94 91
Class G 8 8 8 8 8 8
Earnings Per Average Common Share
CMS Energy $ .55 $ .54 $ 1.34 $ 1.37 $ 2.42 $ 2.28
Class G $ .16 $ .16 $ 1.34 $ 1.66 $ 1.52 $ 2.05
Dividends Declared Per Common Share
CMS Energy $ .27 $ .24 $ .54 $ .48 $ 1.05 $ .96
Class G $ .295 $ .28 $ .59 $ .56 $ 1.18 $ 1.12
====== ====== ====== ====== ====== ======
<FN>

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

</TABLE>
22

<TABLE>

CMS Energy Corporation
Consolidated Statements of Cash Flows
(Unaudited)

<CAPTION>

Six Months Ended Twelve Months Ended
June 30 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Cash Flows from Operating Activities
Consolidated net income $ 138 $ 138 $ 240 $ 223
Adjustments to reconcile net income to net cash
provided by operating activities
Depreciation, depletion and amortization (includes nuclear
decommissioning of $24, $24, $49 and $51, respectively) 238 223 456 433
Deferred income taxes and investment tax credit 23 17 52 35
Capital lease and debt discount amortization 22 22 41 48
Accretion expense 9 14 17 29
Accretion income - abandoned Midland project (4) (5) (9) (11)
Power purchases (30) (27) (66) (94)
Undistributed earnings of related parties (23) (41) (45) (69)
Other (4) 8 8 13
Changes in other assets and liabilities 12 137 (138) 156
----- ----- ------- -----
Net cash provided by operating activities 381 486 556 763
----- ----- ------- -----
Cash Flows from Investing Activities
Capital expenditures (excludes assets placed under capital lease) (365) (251) (773) (506)
Investments in partnerships and unconsolidated subsidiaries (534) (133) (564) (355)
Investments in nuclear decommissioning trust funds (24) (24) (49) (51)
Cost to retire property, net (11) (12) (31) (34)
Acquisition of companies, net of cash acquired - (20) - (10)
Deferred demand-side management costs - (5) - (10)
Other (14) - (6) (8)
Proceeds from sale of property 13 15 77 36
----- ----- ------- -----
Net cash used in investing activities (935) (430) (1,346) (938)
----- ----- ------- -----
Cash Flows from Financing Activities
Proceeds from bank loans, notes and bonds 581 385 629 556
Proceeds from preferred securities 173 97 173 97
Issuance of common stock 30 16 109 161
Increase (decrease) in notes payable, net (87) (233) 138 (201)
Payment of common stock dividends (56) (48) (111) (95)
Retirement of bonds and other long-term debt (49) - (86) (31)
Repayment of bank loans (22) (247) (31) (256)
Payment of capital lease obligations (21) (22) (39) (40)
Retirement of common stock - - (1) (1)
----- ----- ------- -----
Net cash provided by (used in) financing activities 549 (52) 781 190
----- ----- ------- -----
Net Increase (Decrease) in Cash and Temporary Cash Investments (5) 4 (9) 15

Cash and Temporary Cash Investments, Beginning of Period 56 56 60 45
----- ----- ------- -----
Cash and Temporary Cash Investments, End of Period $ 51 $ 60 $ 51 $ 60
===== ===== ======= =====

<FN>

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

</TABLE>
23

<TABLE>

CMS Energy Corporation
Consolidated Balance Sheets

<CAPTION>

ASSETS June 30 June 30
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Plant and Property (At Cost)
Electric $6,467 $6,333 $6,177
Gas 2,467 2,337 2,309
Oil and gas properties (full-cost method) 1,195 1,140 1,114
Other 99 94 90
------ ------ ------
10,228 9,904 9,690
Less accumulated depreciation, depletion and amortization 5,120 4,867 4,843
------ ------ ------
5,108 5,037 4,847
Construction work-in-progress 281 243 247
------ ------ ------
5,389 5,280 5,094
------ ------ ------
Investments
Independent power production 846 317 308
First Midland Limited Partnership (Note 2) 237 232 228
Natural gas transmission, storage and processing 234 233 238
Midland Cogeneration Venture Limited Partnership (Note 2) 148 134 110
Other 90 86 88
------ ------ ------
1,555 1,002 972
------ ------ ------
Current Assets
Cash and temporary cash investments at cost, which
approximates market 51 56 60
Accounts receivable and accrued revenue, less allowances
of $9, $10 and $3, respectively (Note 4) 339 374 290
Inventories at average cost
Gas in underground storage 125 186 109
Materials and supplies 92 86 83
Generating plant fuel stock 28 30 23
Deferred income taxes 28 48 21
Prepayments and other 138 235 160
------ ------ ------
801 1,015 746
------ ------ ------
Non-current Assets
Postretirement benefits 419 435 450
Nuclear decommissioning trust funds 443 386 339
Abandoned Midland Project 103 113 122
Other 426 384 428
------ ------ ------
1,391 1,318 1,339
------ ------ ------
Total Assets $9,136 $8,615 $8,151
====== ====== ======

</TABLE>
24

<TABLE>


<CAPTION>



STOCKHOLDERS' INVESTMENT AND LIABILITIES June 30 June 30
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Capitalization
Common stockholders' equity $1,814 $1,702 $1,575
Preferred stock of subsidiary 356 356 356
Company-obligated mandatorily redeemable preferred securities
of Consumers Power Company Financing I (a) 100 100 100
Company-obligated convertible preferred securities of
CMS Energy Trust I (b) 173 - -
Long-term debt 3,077 2,842 3,116
Non-current portion of capital leases 89 103 94
------ ------ ------
5,609 5,103 5,241
------ ------ ------


Current Liabilities
Current portion of long-term debt and capital leases 690 409 131
Notes payable 246 333 108
Accounts payable 286 348 289
Accrued taxes 191 262 204
Accounts payable - related parties 65 63 59
Accrued interest 50 47 51
Power purchases (Note 2) 47 47 90
Accrued refunds 7 8 25
Other 171 206 181
------ ------ ------
1,753 1,723 1,138
------ ------ ------


Non-current Liabilities
Deferred income taxes 691 698 646
Postretirement benefits 524 521 533
Power purchases (Note 2) 157 178 207
Deferred investment tax credit 156 161 166
Regulatory liabilities for income taxes, net 81 66 57
Other 165 165 163
------ ------ ------
1,774 1,789 1,772
------ ------ ------



Commitments and Contingencies (Notes 2, 3, 6, 7 and 8)


Total Stockholders' Investment and Liabilities $9,136 $8,615 $8,151
====== ====== ======

<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.

(b) As described in Note 4 to the Consolidated Financial Statements, the primary asset of CMS Energy Trust I is
$178 million principal amount of 7.75% convertible subordinated debentures due 2027 from CMS Energy.

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

</TABLE>
25

<TABLE>

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

<CAPTION>

Three Months Ended Six Months Ended Twelve Months Ended
June 30 1997 1996 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C> <C> <C>
Common Stock
At beginning and end of period $ 1 $ 1 $ 1 $ 1 $ 1 $ 1
------ ------ ------ ------ ------ ------
Other Paid-in Capital
At beginning of period 2,062 1,959 2,045 1,951 1,967 1,740
Common stock reacquired - - - - (1) (1)
Common stock issued:
CMS Energy 12 7 28 14 104 101
Class G 1 1 2 2 5 126
Common stock reissued - - - - - 1
------ ------ ------ ------ ------ ------
At end of period 2,075 1,967 2,075 1,967 2,075 1,967
------ ------ ------ ------ ------ ------
Revaluation Capital
At beginning of period (6) (8) (6) (8) (8) 1
Change in unrealized investment-gain (loss) - - - - 2 (9)
------ ------ ------ ------ ------ ------
At end of period (6) (8) (6) (8) (6) (8)
------ ------ ------ ------ ------ ------
Retained Earnings (Deficit)
At beginning of period (282) (411) (338) (475) (385) (513)
Consolidated net income 54 50 138 138 240 223
Common stock dividends declared:
CMS Energy (26) (22) (52) (44) (102) (87)
Class G (2) (2) (4) (4) (9) (8)
------ ------ ------ ------ ------ ------
At end of period (256) (385) (256) (385) (256) (385)
------ ------ ------ ------ ------ ------
Total Common Stockholders' Equity $1,814 $1,575 $1,814 $1,575 $1,814 $1,575
====== ====== ====== ====== ====== ======

<FN>

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

</TABLE>
26

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; storage, transmission and
processing of natural gas; energy marketing, services and trading; 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, six and twelve month periods ended June 30, 1997,
undistributed equity earnings were $10 million, $23 million and $46
million, respectively, and $20 million, $41 million and $69 million for
the three, six and twelve months periods ended June 30, 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 Six Months Ended Twelve Months Ended
June 30 1996 1997 1996 1997 1996 1997

Pretax operating income $10 $10 $18 $12 $46 $28
Income taxes and other 3 3 5 3 13 7
--- --- --- --- --- ---

Net income $ 7 $ 7 $13 $ 9 $33 $21
=== === === === === ===

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. At
June 30, 1997 and December 31, 1996, the after-tax present value of the
PPA liability totaled $133 million and $147 million, respectively. The
reduction in the liability since December 31, 1996 reflects after-tax cash
underrecoveries of $20 million partially offset by after-tax accretion
expense of $6 million. The undiscounted after-tax amount associated with
the liability totaled $520 million at June 30, 1997. Consumers
anticipates it will continue to experience cash underrecoveries associated
with the PPA as shown below. These after-tax cash underrecoveries were
based on the assumption that the MCV Facility would be available to
generate electricity 90 percent of the time. However, for the first six
months of 1997 the MCV Facility has been available 98.9 percent of the
time resulting in the $20 million of after-tax cash underrecoveries. The
underrecovery shown in the table below for the year 1997 has been revised
to reflect the anticipated availability of the MCV Facility.

In Millions
1997 1998 1999 2000 2001

Estimated cash underrecoveries, net of tax $40 $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 increasing prospective annual
nuclear plant depreciation expense by $18 million with a corresponding
decrease in fossil-fueled generating plant depreciation expense. It also
established an experimental 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 the MPSC has approved or by direct access
customers. 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. Direct
access for this 100 MW is expected to begin during the third quarter of
1997.

In May 1997, the MPSC authorized Consumers to collect $17 million from
electric customers through a one-time surcharge pertaining to the 1994
PSCR reconciliation.

Electric Restructuring: In response to utility filings previously
solicited by the MPSC, in June 1997, the MPSC issued an order relating to
the restructuring of the electric power industry in Michigan. The order
proposes a phase-in of 150 MW annually of Consumers' retail load for
competition beginning January 1, 1998. By January 1, 2002, all customers
would be free to choose (that is, have direct-access to) their electric
generation suppliers. The order would allow utilities to recover
prudently incurred transition costs through a transmission charge
applicable through the year 2007 for all direct-access retail customers.
The MPSC requested the utilities to file proposals for a true-up mechanism
to adjust transition charge revenues depending upon both actual sales and
market prices of power to the extent that they are different from original
estimates. Consumers subsequently filed a modified plan that has a true-
up for sales and a true-up for power purchases only.

The 1997 June order further states that securitization may be another
alternative for recovery of transition costs, but recognizes that state
legislation is required before securitization can be implemented.
Michigan legislative consideration of a securitization process is expected
this fall. Consumers expects the legislation to provide for immediate
recovery of transition costs in exchange for an immediate rate reduction
for all customers, with a securitization charge to be paid by all
customers over a period of 15 years (the expected term of the rate
reduction bonds issued in the securitization), as discussed further below.
Consumers has filed responsive data and proposals to the June order asking
the MPSC to take certain actions designed to implement Consumers' view of
how electric restructuring should occur, including the approval of
specific transition charges, but also seeking a rehearing on several
issues, including whether the MPSC has the statutory authority to mandate
restructuring on a basis which an electric utility would not accept
voluntarily. Other parties filed claims of appeal with the Michigan
Court of Appeals.

The MPSC also decided in a July 1997 order to commence a number of
different contested case proceedings to address certain selected issues on
which it desired still more information. The expedited schedules for
these hearings would have all of them concluded and submitted to the MPSC
for decision by mid-October. Pretrial activity will occur in
August, hearings in September and briefing in late September and early
October.

Consumers' March 1997 information estimated for the MPSC that, through
2007, Consumers would recover $1.9 billion (as revised in a June 1997
filing) of transition costs through a transition charge to direct-access
customers. A separate charge to direct-access customers would also
recover implementation costs totaling an additional $200 million.
Alternatively, if Consumers recovers transition costs through
securitization, 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 represents the net present value of: 1)
the $1.9 billion of costs that Consumers would otherwise have recovered in
the transition charge to direct access customers; and 2) the costs that
Consumers would otherwise have recovered from customers on bundled rates
before getting choice of generation suppliers. Consumers' data indicate
that the rates to be paid by all customers under the securitization
alternative result in more than a $200 million annual savings to those
customers when compared to the rates they would pay without securitization
because the assumed 15-year repayment period of the bonds allows the cost
reimbursement by the customers to be spread out over a longer period, and
because securitization allows securitized costs to be financed at a lower
rate.

Consumers currently applies the utility accounting standard, SFAS 71, that
recognizes the economic effects of rate regulation and, accordingly, has
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 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. If the MPSC adopts the ALJ position,$8
million as of June 30, 1997, would be subject to refund. Consumers has
not provided a contingency reserve for this potential refund and 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
provides 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, only 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

At June 30, 1997, CMS Energy had available unsecured, lines of credit and
letters of credit totaling $155 million and a $450 million unsecured
revolving credit facility. At June 30, 1997 and 1996, the total amount
utilized under these facilities was $214 million and $233 million,
respectively. In addition, CMS Energy had an unsecured $125 million term
loan. On July 3, 1997 CMS Energy refinanced the unsecured revolving
credit facility and the term loan with $1.125 billion in Senior Credit
Facilities consisting of a $400 million 364-day revolving credit facility,
$600 million three-year revolving credit facility and a five-year $125
million term loan facility. At July 31, 1997 the total amount utilized
under the Senior Credit Facilities was $379 million and the amount
utilized under the $155 million lines of credit and letters of credit was
$31 million.

At June 30, 1997, CMS Energy had $224 million of Series A GTNs, $125
million of Series B GTNs and $87 million of Series C GTNs issued and
outstanding with weighted-average interest rates of 7.7 percent, 7.9
percent and 8.0 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 repay debt and in part to fund CMS Energy's equity investment in
the 2,000 MW Loy Yang A electric generating plant and associated mine
facilities in the State of Victoria, Australia.

In May 1997, CMS Energy and affiliated business trusts filed a shelf
registration statement with the SEC for the issuance and the sale of up to
$300 million of CMS Energy Common Stock, subordinated debentures, stock
purchase contracts, stock purchase units and preferred securities. In
June 1997, 3,450,000 units of 7.75 percent convertible quarterly income
preferred securities were issued and sold through CMS Energy Trust I, a
business trust wholly owned by CMS Energy. Net proceeds from the sale
totaled $173 million. CMS Energy Trust I was formed for the sole purpose
of issuing quarterly income preferred securities. Its primary asset is
approximately $178 million principal amount of 7.75 percent subordinated
debentures issued by CMS Energy which mature in 2027. The trust preferred
securities are convertible into shares of CMS Energy Common Stock at a
rate equivalent to a conversion price of $40.80 per share. Proceeds of
the subordinated debentures were used by CMS Energy for general corporate
purposes including repayment of debt, capital expenditures, investment in
subsidiaries and working capital. CMS Energy's obligations under the
subordinated debentures, the indenture under which the subordinated
debentures were issued, the declaration of trust and the CMS Energy
guarantee provide, in the aggregate, a full irrevocable and unconditional
guarantee of payments of distributions and other amounts due on the trust
preferred securities.

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 June
30, 1997, a total of $241 million was outstanding at a weighted average
interest rate of 6.2 percent, compared with $108 million outstanding at
June 30, 1996, at a weighted average interest rate of 6.1 percent.

Consumers has also in place a $500 million trade receivables purchase and
sale program. At June 30, 1997 and 1996, receivables sold under the
agreement totaled $266 million and $200 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.

In August 1997, Consumers and an affiliated business trust, Consumers
Energy Company Financing II, filed a registration statement with the SEC
for the issuance and sale of up to $120 million of trust originated
preferred securities. Consumers Energy Company Financing II was formed
for the sole purpose of issuing trust originated preferred securities and
investing the proceeds in subordinated notes which will be unsecured
obligations of Consumers. Consumers will use the net proceeds from the
sale of the subordinated notes to redeem, refinance or refund existing
long-term securities, which may include first mortgage bonds, stocks,
preferred securities or notes.

In August 1997, Consumers announced that it will redeem all of the
outstanding shares of its $7.45, $7.68, $7.72 and $7.76 preferred stock.
This $119 million redemption of preferred stock will take place in
September 1997.


5: Earnings Per Share and Dividends

Earnings per share attributable to Common Stock for the three, six and
twelve month periods ended June 30, 1997 and the three and six months
ended June 30, 1996 reflect the performance of the Consumers Gas Group.
Earnings per share attributable to Common Stock for the twelve months
ended June 30, 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 is 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 June
30, 1997 and 1996 are based on 24.30 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 February and May 1997, CMS Energy paid a dividend of $.27 per share on
CMS Energy Common Stock and $.295 per share on Class G Common Stock. In
July 1997, the Board of Directors declared a quarterly dividend of $.30
per share on CMS Energy Common Stock and $.31 per share on Class G Common
Stock to be paid in August 1997.


6: Risk Management Activities and Derivative Transactions

CMS Energy and its subsidiaries use a variety of derivative instruments
(derivatives), including futures contracts, swaps and forward contracts,
to manage exposure to fluctuations in commodity prices, interest rates and
foreign exchange rates. In order for derivatives to initially qualify for
hedge accounting the following criteria must be met: 1) the item to be
hedged exposes the enterprise to price, interest or exchange rate risk;
and 2) the derivative reduces that exposure and is designated as a hedge.

Derivative instruments contain credit risk if the counterparties,
including financial institutions and energy marketers, fail to perform
under the agreements. However, CMS Energy minimizes such risk by
performing financial credit reviews using, among other things, publicly
available credit ratings of such counterparties. The risk of
nonperformance by the counterparties is considered remote.

Commodity Price Hedges:

CMS Energy accounts for its commodity price derivatives as hedges, and as
such, defers any changes in market value and gains and losses resulting
from settlements until the hedged transaction is complete. 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 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 1997 commodity
price contracts on 13.8 bcf of gas 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. During the first six months of 1997, CMS NOMECO has
made net payments of $2.7 million for settlement of 1997 contracts on 8.3
bcf of gas and 1.8 million bbls of oil.

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 through 2006 by
purchasing the economic equivalent of 10,000 MMBtu per day at a fixed
price, escalating at 8 percent per year thereafter, 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 million 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 June 30,
1997, neither party was required to post a letter of credit.

CMS MST uses natural gas futures contracts and swaps (which require a net
cash payment for the difference between a fixed and variable price).

Interest Rates Hedges:

CMS Energy and some of its subsidiaries enter into interest rate swap
agreements to exchange variable rate interest payment obligations to fixed
rate obligations without exchanging the underlying notional amounts.
These agreements convert variable rate debt to fixed rate debt in order to
reduce the impact of interest rate fluctuations. The notional amounts
parallel the underlying debt levels and are used to measure interest to be
paid or received and do not represent the amount of exposure to credit
loss. The notional amount of CMS Energy's and its subsidiaries' interest
rate swaps was $1.0 billion at June 30, 1997. The difference between the
amounts paid and received under the swaps is accrued and recorded as an
adjustment to interest expense over the life of the hedged agreement.

Foreign Exchange Hedges:

Forward exchange contracts are used to hedge certain receivables,
payables, and long term debt relating to foreign investments. The purpose
of the CMS Energy's foreign currency hedging activities is to protect the
company from the risk that US dollar net cash flows resulting from sales
to foreign customers and purchases from foreign suppliers and the
repayment of non-US dollar borrowings may be adversely affected by changes
in exchange rates. These contracts do not subject CMS Energy to risk from
exchange rate movements because gains and losses on such contracts offset
losses and gains, respectively, on assets and liabilities being hedged.
The notional amount of the outstanding foreign exchange contracts was $20
million at June 30, 1997.


7: 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 June
30, 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 June 30, 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-
fueled units to be an additional $45 million by the year 2000. Management
believes that Consumers' annual operating costs will not be materially
affected as a result of these expenditures.

The Clean Air Act also contains national air quality standards under which
industry must operate. Currently, Consumers operates within these
standards and meets current ozone and small particle related emission
limits. The Act requires the EPA to periodically review the effectiveness
of these standards in preventing adverse health affects. The EPA recently
revised these standards to increase the restrictions on small particle and
ozone related emissions. CMS Energy and Consumers support the bi-partisan
effort in Congress to delay implementation of the revised standards until
the relationship between the new standards and health improvements is
established.

In addition, the EPA is reviewing recommendations from the Ozone Transport
Assessment Group to reduce ozone transport across state lines. The EPA is
expected to require the State of Michigan to impose additional nitrogen
oxide reductions goals on Consumers' fossil-fueled generating units.

The preliminary estimate of the cost of the changes Consumers may have to
make to its fossil-fueled generating units to reduce ozone related
emissions is approximately $175 million. A potentially equivalent amount
may be needed to comply with the new small particle standards.

Capital Expenditures: CMS Energy estimates capital expenditures,
including investments in unconsolidated subsidiaries and new lease
commitments, of $1,520 million for 1997, $1,170 million for 1998 and $895
million for 1999. For further information regarding capital expenditures,
see Forward-Looking Information in the MD&A.

Other: As of June 30, 1997, CMS Energy and Enterprises have guaranteed up
to $110 million in contingent obligations of unconsolidated affiliates and
unrelated parties.

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 June 30, 1997, Consumers had 18 separate stray voltage
lawsuits awaiting trial court action, down from 22 lawsuits as reported at
year end 1996.

In addition to the matters disclosed in these notes, Consumers and certain
other subsidiaries of CMS Energy 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.


8: Nuclear Matters

Consumers has loaded 13 dry storage casks with spent nuclear fuel at
Palisades. Consumers plans to load four additional casks at Palisades
later this year pending approval by the NRC. In June 1997, the NRC
approved the process for unloading spent fuel from a cask with minor weld
flaws. Consumers intends to transfer the spent fuel to a new
transportable cask when one is available. The supplier for the design and
fabrication of the transportable cask has been selected and design work is
proceeding.

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
can 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.

Big Rock will close permanently on August 29, 1997, because management has
determined that the plant would be uneconomical to operate in an
increasingly competitive environment. The plant was originally scheduled
to close May 31, 2000, at the end of the plant's operating license. Plant
decommissioning will begin in September 1997 and is expected to take five
to ten years to return the site to its original condition. The current
decommissioning fund, together with future collections from customers and
future earnings of the fund, is expected to be adequate to cover the plant
decommissioning expenses.


9: 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 June 30 were:

In Millions
Six Months Ended Twelve Months Ended
1997 1996 1997 1996

Cash transactions
Interest paid (net of amounts
capitalized) $135 $122 $267 $233
Income taxes paid (net of refunds) 46 45 83 60

Non-cash transactions
Nuclear fuel placed under
capital lease $ 3 $ 1 $ 31 $ 4
Other assets placed
under capital leases 3 1 5 4
Common Stock issued to
acquire companies - - - 66
Assumption of debt - - - 4
Capital leases refinanced - - - 21
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
June 30, 1997 and 1996, the related consolidated statements of income and
common stockholders' equity for the three-month, six-month and twelve-
month periods then ended, and the related consolidated statements of cash
flows for the six-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,
August 11, 1997.
37

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
June 30 1997 1996 Change

Three months ended $ 54 $ 49 $ 5
Six months ended 141 143 (2)
Twelve months ended 258 244 14

The increase in earnings for the second quarter of 1997 compared to the
same 1996 period reflects increased electric sales and gas deliveries
partially offset by reduced gas wholesale services revenues in 1997. The
decrease in earnings for the six months ended 1997 compared to the same
1996 period reflects decreased gas deliveries due to warmer temperatures
during the early part of 1997 and reduced gas wholesale services revenues
in 1997. Partially offsetting these decreases were the favorable impact
of an electric rate increase received in February 1996 which benefited the
entire first half of 1997, along with 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 same 1996
period reflects the favorable impact of an electric rate increase received
in February 1996, revenues from gas 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 the increases for the twelve months ended period 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 $413 million and $453
million for the first six months of 1997 and 1996, respectively. The $40
million decrease resulted from the timing of cash payments related to
routine operations. 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 $205
million and $223 million for the first six months of 1997 and 1996,
respectively. The cash was used primarily for capital expenditures.

Financing Activities: Cash used in financing activities totaled $201
million and $237 million for the first six months of 1997 and 1996,
respectively. The decrease of $36 million in cash used reflects a $141
million reduction in the paydown of notes payable for the first six months
of 1997 compared to 1996; this retirement was partially offset by the 1997
absence of $97 million proceeds from preferred securities that were sold
in 1996.

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 June 30, 1997 and 1996, the
total amount outstanding under these facilities was $241 million and $108
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 June 30, 1997 and 1996, receivables sold totaled $266 million
and $200 million, respectively.

In August 1997, Consumers and an affiliated business trust, Consumers
Energy Company Financing II, filed a registration statement with the SEC
for the issuance and sale of up to $120 million of trust originated
preferred securities. Consumers Energy Company Financing II was formed
for the sole purpose of issuing trust originated preferred securities and
investing the proceeds in subordinated notes which will be unsecured
obligations of Consumers. Consumers will use the net proceeds from the
sale of the subordinated notes to redeem, refinance or refund existing
long-term securities, which may include first mortgage bonds, stocks,
preferred securities or notes.

In August 1997, Consumers announced that it will redeem all of the
outstanding shares of its $7.45, $7.68, $7.72 and $7.76 preferred stock.
This $119 million redemption of preferred stock will take place in
September 1997.


Electric Utility Results of Operations

Electric Pretax Operating Income:


In Millions
June 30 1997 1996 Change

Three months ended $104 $ 96 $ 8
Six months ended 210 202 8
Twelve months ended 419 399 20

Electric pretax operating income for all periods ending June 30, 1997,
benefited from the favorable impact of increased electric sales. Electric
pretax operating income for the first half of 1997 and the twelve months
ended 1997 also benefited from the impact of an electric rate increase
received in February 1996. The first half of 1997 reflects six months of
rate increase compared to five months for the comparable period in 1996.
The twelve months ended 1997 reflects a full twelve months of rate
increase compared with five months for the comparable period in 1996.
These increases in each period were partly offset by decreased revenues
because of special contract discounts negotiated with large industrial
customers. The following table quantifies these impacts on Pretax
Operating Income:

In Millions
Three Months Six Months Twelve Months
Ended June 30 Ended June 30 Ended June 30
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996

Sales (including special $ 7 $ 4 $ (4)
contract discounts)
Rate increases and other 1 11 39
regulatory issues
Operations and maintenance 2 (1) (7)
General taxes and depreciation (2) (6) (8)
and other ---- ---- ----

Total change $ 8 $ 8 $ 20
==== ==== ====

Electric Sales: Total electric sales increased for the quarter ended (1.7
percent), six months ended (1.0 percent), and twelve months ended (2.7
percent) June 30, 1997, over the comparable 1996 periods. The table below
reflects electric kWh sales by class of customer for each period:


<TABLE>
<CAPTION> In Billions of kWh
Three Months Ended Six Months Ended Twelve Months Ended
June 30 1997 1996 Change 1997 1996 Change 1997 1996 Change
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Residential 2.5 2.4 0.1 5.3 5.4 (0.1) 10.9 11.0 (0.1)
Commercial 2.5 2.4 0.1 4.9 4.8 0.1 10.1 9.8 0.3
Industrial 3.4 3.2 0.2 6.4 6.1 0.3 13.2 12.5 0.7
Other 0.6 0.9 (0.3) 1.4 1.6 (0.2) 3.0 2.9 0.1
--- --- ---- ---- ---- ---- ---- ---- ----
Total Sales 9.0 8.9 0.1 18.0 17.9 0.1 37.2 36.2 1.0
=== === === ==== ==== === ==== ==== ====

</TABLE>

Power Costs:

In Millions
June 30 1997 1996 Change

Three months ended $ 270 $ 260 $ 10
Six months ended 552 520 32
Twelve months ended 1,119 1,028 91


The cost increases for all periods ended June 30, 1997, reflect greater
power purchases from outside sources to meet the increased 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.

Consumers anticipates it will continue to experience cash underrecoveries
associated with the PPA as shown below. These after-tax cash
underrecoveries were based on the assumption that the MCV Facility would
be available to generate electricity 90 percent of the time. However, for
the first six months of 1997 the MCV Facility has been available 98.9
percent of the time, resulting in after-tax cash underrecoveries of $20
million. The underrecovery shown in the table below for the year 1997 has
been revised to reflect the anticipated availability of the MCV Facility.
For further information, see Note 2.

In Millions
1997 1998 1999 2000 2001

Estimated cash underrecoveries, $40 $23 $22 $21 $20
net of tax


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 costs associated with the purchase of the
additional 325 MW of MCV Facility capacity and to accelerate recovery of
its nuclear plant investment by increasing prospective annual nuclear
plant depreciation expense by $18 million with a corresponding decrease in
fossil-fueled generating plant depreciation expense. 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 can 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.

Big Rock will close permanently on August 29, 1997, because management has
determined that the plant would be uneconomical to operate in an
increasingly competitive environment. The plant was originally scheduled
to close May 31, 2000, at the end of the plant's operating license. Plant
decommissioning will begin in September 1997 and is expected to take five
to ten years to return the site to its original condition. The current
decommissioning fund, together with future collections from customers and
future earnings of the fund, is expected to be adequate to cover the plant
decommissioning expenses.

Electric Environmental Matters: The Clean Air Act contains significant
environmental constraints under which industry will operate in the future.
While certain of the Act's provisions specific to utilities will require
that certain capital expenditures be made to comply with nitrogen oxide
emission limits, Consumers' 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.

The Clean Air Act also contains national air quality standards under which
industry must operate. Currently, Consumers operates within these
standards and meets current ozone and small particle related emission
limits. The Act requires the EPA to periodically review the effectiveness
of these standards in preventing adverse health affects. The EPA recently
revised these standards to increase the restrictions on small particle and
ozone related emissions. Consumers supports the bi-partisan effort in
Congress to delay implementation of the revised standards until the
relationship between the new standards and health improvements is
established.

In addition, the EPA is reviewing recommendations from the Ozone Transport
Assessment Group to reduce ozone transport across state lines. The EPA is
expected to require the State of Michigan to impose additional nitrogen
oxide reductions goals on Consumers' fossil-fueled generating units.

The preliminary estimate of the cost of the changes Consumers may have to
make to its fossil-fueled generating units to reduce ozone related
emissions is approximately $175 million. A potentially equivalent amount
may be needed to comply with the new small particle standards.

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 June 30, 1997, 18 separate stray voltage lawsuits were awaiting
trial court action, down from 22 lawsuits as reported 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
June 30 1997 1996 Change

Three months ended $ 23 $ 23 $ -
Six months ended 101 116 (15)
Twelve months ended 143 160 (17)


Gas pretax operating income, while flat for the three month period,
decreased in both the six month and twelve month periods ended June 30,
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 half of 1997 also reflects higher depreciation and general
taxes, partially offset by lower operation and maintenance expenses. The
decrease in gas pretax operating income for the twelve months ended June
30, 1997, also reflects higher depreciation and general taxes from
increased investments to serve new customers, partially offset by lower
operations expenses and benefits from gas services activities. The
following table quantifies these impacts on Pretax Operating Income:

In Millions
Three Months Six Months Twelve Months
Ended June 30 Ended June 30 Ended June 30
Change Compared to 1997 vs 1996 1997 vs 1996 1997 vs 1996
Prior Year

Sales $ 3 $(15) $(19)
Recovery of gas costs and - - (3)
other issues
Gas wholesale and retail (5) (7) 4
services activities
Operations and maintenance 5 10 4
General taxes, depreciation and other (3) (3) (3)
----- ---- ----
Total change $ - $(15) $(17)
===== ==== ====


Gas Deliveries: Total system deliveries, excluding transport to the MCV
Facility and other miscellaneous transportation, increased 5.8 percent for
the quarter ended June 30, 1997, but decreased 4.1 percent and 3.7 percent
for the six months and twelve months ended June 30, 1997, respectively.
The table below indicates total deliveries and the impact of weather.

<TABLE>
<CAPTION>
In bcf
Three Months Ended Six Months Ended Twelve Months Ended
June 30 1997 1996 Change 1997 1996 Change 1997 1996 Change
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Weather-adjusted deliveries
(variance reflects growth) 52 52 - 198 198 - 334 332 2
Impact of weather and leap year 8 5 3 4 13 (9) 9 24 (15)
--- --- --- --- --- --- --- --- ---
System deliveries excluding
transport to MCV Facility 60 57 3 202 211 (9) 343 356 (13)
Transport to MCV Facility 14 16 (2) 32 33 (1) 64 60 4
Other Transportation 2 4 (2) 10 18 (8) 18 26 (8)
--- --- --- --- --- --- --- --- ---
Total deliveries 76 77 (1) 244 262 (18) 425 442 (17)
=== === === === === === === === ===

</TABLE>


Cost of Gas Sold:

In Millions
June 30 1997 1996 Change

Three months ended $118 $107 $ 11
Six months ended 432 453 (21)
Twelve months ended 729 744 (15)


The increase for the three months ended June 30, 1997, reflects increased
gas sales and slightly higher prices for gas during 1997. The decreases
for the six month and twelve month periods ended June 30, 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. If the MPSC adopts the ALJ position, $8 million as of June 30,
1997, would be subject to refund. Consumers has not provided a
contingency reserve for this potential refund and 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 June 30, 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 $360 $349 $348
Nuclear fuel lease 14 23 13
Capital leases other than nuclear fuel 13 15 16
Michigan Gas Storage 3 3 3
---- ---- ----
$390 $390 $380
==== ==== ====

Electric utility operations (a) $275 $285 $275
Gas utility operations (a) 115 105 105
---- ---- ----
$390 $390 $380
==== ==== ====

(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 percent
per year in electric system sales over the next five years, based on the
current industry and regulatory 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 direct access to alternative sources of energy supply
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 by 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 response to utility filings previously solicited by the MPSC, in June
1997, the MPSC issued an order relating to the restructuring of the
electric power industry in Michigan. The order proposes a phase-in of 150
MW annually of Consumers' retail load for competition beginning January 1,
1998. By January 1, 2002, all customers would be free to choose (that is,
have direct-access to) their electric generation suppliers. The order
would allow utilities to recover prudently incurred transition costs
through a transmission charge applicable through the year 2007 for all
direct-access retail customers. The MPSC requested the utilities to file
proposals for a true-up mechanism to adjust transition charge revenues
depending upon both actual sales and market prices of power to the extent
that they are different from original estimates. Consumers subsequently
filed a modified plan that has a true-up for sales and a true-up for power
purchases only.

The June 1997 order further states that securitization may be another
alternative for recovery of transition costs, but recognizes that state
legislation is required before securitization can be implemented.
Michigan legislative consideration of a securitization process is expected
this fall. Consumers expects the legislation to provide for immediate
recovery of transition costs in exchange for an immediate rate reduction
for all customers, with a securitization charge to be paid by all
customers over a period of 15 years (the expected term of the rate
reduction bonds issued in the securitization), as discussed further below.
Consumers has filed responsive data and proposals to the June order asking
the MPSC to take certain actions designed to implement Consumers' view of
how electric restructuring should occur, including the approval of
specific transition charges, but also seeking a rehearing on several
issues, including whether the MPSC has the statutory authority to mandate
restructuring on a basis which an electric utility would not accept
voluntarily. Other parties filed claims of appeal with the Michigan Court
of Appeals.

The MPSC also decided in a July 1997 order to commence a number of
different contested case proceedings to address certain selected issues on
which it desired still more information. The expedited schedules for
these hearings would have all of them concluded and submitted to the MPSC
for decision by mid-October. Pretrial activity will occur in August,
hearings in September and briefing in late September and early October.

Consumers' March 1997 information estimated for the MPSC that, through
2007, Consumers would recover $1.9 billion (as revised in a June 1997
filing) of transition costs through a transition charge to direct-access
customers. A separate charge to direct-access customers would also
recover implementation costs totaling an additional $200 million.
Alternatively, if Consumers recovers transition costs through
securitization, 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 represents the net present value of: 1)
the $1.9 billion of costs that Consumers would otherwise have recovered in
the transition charge to direct access customers; and 2) the costs that
Consumers would otherwise have recovered from customers on bundled rates
before getting choice of generation suppliers. Consumers' data indicate
that the rates to be paid by all customers under the securitization
alternative result in more than a $200 million annual savings to those
customers when compared to the rates they would pay without securitization
because the assumed 15-year repayment period of the bonds allows the cost
reimbursement by the customers to be spread out over a longer period, and
because securitization allows securitized costs to be financed at a lower
rate.

Consumers currently applies the utility accounting standard, SFAS 71, that
recognizes the economic effects of rate regulation and, accordingly, has
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. 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. In 1997, the
FASB also issued SFAS 130, Reporting Comprehensive Income and SFAS 131,
Disclosures about Segments of an Enterprise and Related Information, each
of which will require expanded disclosures effective for 1998. Consumers
does not expect the application of these statements to have a material
effect on its financial position, liquidity or results of operations.

(This page intentionally left blank)
<TABLE>
Consumers Energy Company
Consolidated Statements of Income
(Unaudited)
<CAPTION>

Three Six Twelve
Months Ended Months Ended Months Ended
June 30 1997 1996 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C> <C> <C>
Operating Revenue
Electric $ 598 $ 581 $1,218 $1,172 $2,492 $2,366
Gas 220 209 718 757 1,242 1,273
Other 11 9 20 13 50 31
------ ------ ------ ------ ------ ------
829 799 1,956 1,942 3,784 3,670
------ ------ ------ ------ ------ ------
Operating Expenses
Operation
Fuel for electric generation 71 70 140 143 293 292
Purchased power -
related parties 146 146 297 286 600 532
Purchased and interchange
power 53 44 115 91 226 204
Cost of gas sold 118 107 432 453 729 744
Other 131 141 260 273 573 579
------ ----- ------ ------ ------ ------
519 508 1,244 1,246 2,421 2,351
Maintenance 41 37 80 76 178 170
Depreciation, depletion and
amortization 87 82 199 190 379 367
General taxes 45 42 103 99 196 193
------ ------ ------ ------ ------ ------
692 669 1,626 1,611 3,174 3,081
------ ------ ------ ------ ------ ------
Pretax Operating Income
Electric 104 96 210 202 419 399
Gas 23 23 101 116 143 160
Other 10 11 19 13 48 30
------ ------ ------ ------ ------ ------
137 130 330 331 610 589
------ ------ ------ ------ ------ ------
Other Income (Deductions)
Dividends from affiliates 4 4 9 9 17 17
Accretion income 2 2 4 5 9 11
Accretion expense (4) (7) (9) (14) (17) (29)
Other, net - - - - (4) 2
------ ------ ------ ------ ------ ------
2 (1) 4 - 5 1
------ ------ ------ ------ ------ ------
Interest Charges
Interest on long-term debt 35 35 69 69 139 139
Other interest 7 7 16 14 32 35
Capitalized interest - (1) - (1) (1) (3)
------ ------ ------ ------ ------ ------
42 41 85 82 170 171
------ ------ ------ ------ ------ ------

Net Income Before Income Taxes 97 88 249 249 445 419

Income Taxes 34 30 90 88 151 143
------ ------ ------ ------ ------ ------
Net Income 63 58 159 161 294 276

Preferred Stock Dividends 7 7 14 14 28 28

Preferred Securities Distributions 2 2 4 4 8 4
------ ------ ------ ------ ------ ------
Net Income Available to
Common Stockholder $ 54 $ 49 $ 141 $ 143 $ 258 $ 244
====== ====== ====== ====== ====== ======
<FN>
The accompanying condensed notes are an integral part of these statements.

</TABLE>
50

<TABLE>
Consumers Energy Company
Consolidated Statements of Cash Flows
(Unaudited)
<CAPTION>
Six Months Ended Twelve Months Ended
June 30 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>

Cash Flows from Operating Activities
Net income $ 159 $ 161 $ 294 $ 276
Adjustments to reconcile net income to net cash
provided by operating activities
Depreciation, depletion and amortization
(includes nuclear decommissioning of
$24, $24, $49 and $51, respectively) 199 190 379 367
Capital lease and other amortization 21 21 40 40
Deferred income taxes and investment tax credit 16 25 39 40
Accretion expense 9 14 17 29
Accretion income - abandoned Midland project (4) (5) (9) (11)
Undistributed earnings of related parties (20) (12) (50) (30)
Power purchases (30) (27) (66) (94)
Other 3 3 5 5
Changes in other assets and liabilities 60 83 (17) 128
----- ----- ----- -----
Net cash provided by operating activities 413 453 632 750
----- ----- ----- -----
Cash Flows from Investing Activities
Capital expenditures (excludes assets placed
under capital lease) (165) (184) (391) (423)
Investments in nuclear decommissioning trust funds (24) (24) (49) (51)
Cost to retire property, net (11) (12) (31) (34)
Other (5) 2 (6) 2
Deferred demand-side management costs - (5) - (10)
----- ----- ----- -----
Net cash used in investing activities (205) (223) (477) (516)
----- ----- ----- -----
Cash Flows from Financing Activities
Increase (decrease) in notes payable, net (92) (233) 133 (201)
Payment of common stock dividends (70) (75) (195) (75)
Payment of capital lease obligations (21) (21) (39) (38)
Payment of preferred stock dividends (14) (14) (28) (28)
Preferred securities distributions (4) (4) (8) (4)
Proceeds from preferred securities - 97 - 97
Contribution from stockholder - 13 - 13
Retirement of bonds and other long-term debt - - (37) (1)
Proceeds from bank loans - - 23 -
----- ----- ----- -----
Net cash used in financing activities (201) (237) (151) (237)
----- ----- ----- -----
Net Increase (Decrease) in Cash and Temporary Cash Investments 7 (7) 4 (3)

Cash and Temporary Cash Investments, Beginning of Period 4 14 7 10
----- ----- ----- -----
Cash and Temporary Cash Investments, End of Period $ 11 $ 7 $ 11 $ 7
===== ===== ===== =====
<FN>
The accompanying condensed notes are an integral part of these statements.


</TABLE>
<TABLE>
Consumers Energy Company
Consolidated Balance Sheets
<CAPTION>
ASSETS June 30 June 30
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Plant (At original cost)
Electric $6,467 $6,333 $6,177
Gas 2,270 2,203 2,229
Other 25 26 26
------ ------ ------
8,762 8,562 8,432
Less accumulated depreciation,
depletion and amortization 4,490 4,269 4,276
------ ------ ------
4,272 4,293 4,156

Construction work-in-progress 119 158 226
------ ------ ------
4,391 4,451 4,382
------ ------ ------
Investments
Stock of affiliates 302 298 340
First Midland Limited Partnership (Note 2) 237 232 228
Midland Cogeneration Venture Limited
Partnership (Note 2) 148 134 110
Other 10 8 9
------ ------ ------
697 672 687
------ ------ ------
Current Assets
Cash and temporary cash investments at cost,
which approximates market 11 4 7
Accounts receivable and accrued revenue, less allowances
of $8, $10 and $2, respectively (Note 4) 80 148 104
Accounts receivable - related parties 87 63 26
Inventories at average cost
Gas in underground storage 125 186 109
Materials and supplies 75 68 73
Generating plant fuel stock 28 30 23
Postretirement benefits 25 25 25
Deferred income taxes 14 27 22
Prepayments and other 78 183 112
------ ------ ------
523 734 501
------ ------ ------
Non-current Assets
Postretirement benefits 419 435 450
Nuclear decommissioning trust funds 443 386 339
Abandoned Midland Project 103 113 122
Other 240 234 288
------ ------ ------
1,205 1,168 1,199
------ ------ ------
Total Assets $6,816 $7,025 $6,769
====== ====== ======
</TABLE>
<TABLE>

<CAPTION>
STOCKHOLDERS' INVESTMENT AND LIABILITIES June 30 June 30
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 41 37 31
Retained earnings since December 31, 1992 368 297 305
------ ------ ------
1,754 1,679 1,681
Preferred stock 356 356 356
Company-obligated mandatorily redeemable
preferred securities of Consumers Power
Company Financing I (a) 100 100 100
Long-term debt 1,612 1,900 1,925
Non-current portion of capital leases 88 100 92
------ ------ ------
3,910 4,135 4,154
------ ------ ------
Current Liabilities
Current portion of long-term debt and capital leases 390 98 83
Accrued taxes 154 211 151
Accounts payable 149 212 170
Notes payable 241 333 108
Accounts payable - related parties 70 68 65
Power purchases (Note 2) 47 47 90
Accrued interest 32 33 37
Accrued refunds 7 8 25
Other 131 176 165
------ ------ ------
1,221 1,186 894
------ ------ ------
Non-current Liabilities
Deferred income taxes 642 646 620
Postretirement benefits 501 500 514
Power purchases (Note 2) 157 178 207
Deferred investment tax credit 154 159 164
Regulatory liabilities for income taxes, net 81 66 57
Other 150 155 159
------ ------ ------
1,685 1,704 1,721
------ ------ ------

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

Total Stockholders' Investment and Liabilities $6,816 $7,025 $6,769
====== ====== ======
<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>
<TABLE>
Consumers Energy Company
Consolidated Statements of Common Stockholder's Equity
(Unaudited)
<CAPTION>
Three Months Ended Six Months Ended Twelve Months Ended
June 30 1997 1996 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C> <C> <C>
Common Stock
At beginning and end of period $ 841 $ 841 $ 841 $ 841 $ 841 $ 841
------- ------- ------- ------- ------- -------
Other Paid-in Capital
At beginning of period 504 504 504 491 504 491
Stockholder's contribution - - - 13 - 13
------- ------- ------- ------- ------- -------
At end of period 504 504 504 504 504 504
------- ------- ------- ------- ------- -------
Revaluation Capital
At beginning of period 36 29 37 29 31 19
Change in unrealized investment-
gain (loss) 5 2 4 2 10 12
------- ------- ------- ------- ------- -------
At end of period 41 31 41 31 41 31
------- ------- ------- ------- ------- -------
Retained Earnings
At beginning of period 384 331 297 237 305 136
Net income 63 58 159 161 294 276
Common stock dividends declared (70) (75) (70) (75) (195) (75)
Preferred stock dividends declared (7) (7) (14) (14) (28) (28)
Preferred securities distributions (2) (2) (4) (4) (8) (4)
------- ------- ------- ------- ------- -------
At end of period 368 305 368 305 368 305
------- ------- ------- ------- ------- -------
Total Common Stockholder's Equity $ 1,754 $ 1,681 $ 1,754 $ 1,681 $ 1,754 $ 1,681
======= ======= ======= ======= ======= =======
<FN>
The accompanying condensed notes are an integral part of these statements.

</TABLE>
54

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:

<TABLE>
<CAPTION> In Millions
Three Months Ended Six Months Ended Twelve Months Ended
June 30 1996 1997 1996 1997 1996 1997

<S> <C> <C> <C> <C> <C> <C>
Pretax operating income $10 $10 $18 $12 $46 $28
Income taxes and other 3 3 5 3 13 7
--- --- --- --- --- ---
Net income $ 7 $ 7 $13 $ 9 $33 $21
=== === === === === ===
</TABLE>

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. At
June 30, 1997 and December 31, 1996, the after-tax present value of the
PPA liability totaled $133 million and $147 million, respectively. The
reduction in the liability since December 31, 1996 reflects after-tax cash
underrecoveries of $20 million partially offset by after-tax accretion
expense of $6 million. The undiscounted after-tax amount associated with
the liability totaled $520 million at June 30, 1997. Consumers
anticipates it will continue to experience cash underrecoveries associated
with the PPA as shown below. These after-tax cash underrecoveries were
based on the assumption that the MCV Facility would be available to
generate electricity 90 percent of the time. However, for the first six
months of 1997 the MCV Facility has been available 98.9 percent of the
time resulting in the $20 million of after-tax cash underrecoveries. The
underrecovery shown in the table below for the year 1997 has been revised
to reflect the anticipated availability of the MCV Facility.

In Millions
1997 1998 1999 2000 2001

Estimated cash underrecoveries, $40 $23 $22 $21 $20
net of tax

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 increasing prospective annual
nuclear plant depreciation expense by $18 million with a corresponding
decrease in fossil-fueled generating plant depreciation expense. It also
established an experimental 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 the MPSC has approved or by direct access
customers. 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. Direct
access for this 100 MW is expected to begin during the third quarter of
1997.

In May 1997, the MPSC authorized Consumers to collect $17 million from
electric customers through a one-time surcharge pertaining to the 1994
PSCR reconciliation.

Electric Restructuring: In response to utility filings previously
solicited by the MPSC, in June 1997, the MPSC issued an order relating to
the restructuring of the electric power industry in Michigan. The order
proposes a phase-in of 150 MW annually of Consumers' retail load for
competition beginning January 1, 1998. By January 1, 2002, all customers
would be free to choose (that is, have direct-access to) their electric
generation suppliers. The order would allow utilities to recover
prudently incurred transition costs through a transmission charge
applicable through the year 2007 for all direct-access retail customers.
The MPSC requested the utilities to file proposals for a true-up mechanism
to adjust transition charge revenues depending upon both actual sales and
market prices of power to the extent that they are different from original
estimates. Consumers subsequently filed a modified plan that has a true-
up for sales and a true-up for power purchases only.

The June 1997 order further states that securitization may be another
alternative for recovery of transition costs, but recognizes that state
legislation is required before securitization can be implemented.
Michigan legislative consideration of a securitization process is expected
this fall. Consumers expects the legislation to provide for immediate
recovery of transition costs in exchange for an immediate rate reduction
for all customers, with a securitization charge to be paid by all
customers over a period of 15 years (the expected term of the rate
reduction bonds issued in the securitization), as discussed further below.
Consumers has filed responsive data and proposals to the June order asking
the MPSC to take certain actions designed to implement Consumers' view of
how electric restructuring should occur, including the approval of
specific transition charges, but also seeking a rehearing on several
issues, including whether the MPSC has the statutory authority to mandate
restructuring on a basis which an electric utility would not accept
voluntarily. Other parties filed claims of appeal with the Michigan Court
of Appeals.

The MPSC also decided in a July 1997 order to commence a number of
different contested case proceedings to address certain selected issues on
which it desired still more information. The expedited schedules for
these hearings would have all of them concluded and submitted to the MPSC
for decision by mid-October. Pretrial activity will occur in
August, hearings in September and briefing in late September and early
October.

Consumers' March 1997 information estimated for the MPSC that, through
2007, Consumers would recover $1.9 billion (as revised in a June 1997
filing) of transition costs through a transition charge to direct-access
customers. A separate charge to direct-access customers would also
recover implementation costs totaling an additional $200 million.
Alternatively, if Consumers recovers transition costs through
securitization, 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 represents the net present value of: 1)
the $1.9 billion of costs that Consumers would otherwise have recovered in
the transition charge to direct access customers; and 2) the costs that
Consumers would otherwise have recovered from customers on bundled rates
before getting choice of generation suppliers. Consumers' data indicate
that the rates to be paid by all customers under the securitization
alternative result in more than a $200 million annual savings to those
customers when compared to the rates they would pay without securitization
because the assumed 15-year repayment period of the bonds allows the cost
reimbursement by the customers to be spread out over a longer period, and
because securitization allows securitized costs to be financed at a lower
rate.

Consumers currently applies the utility accounting standard, SFAS 71, that
recognizes the economic effects of rate regulation and, accordingly, has
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 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. If the MPSC adopts the ALJ position,$8
million as of June 30, 1997, would be subject to refund. Consumers has
not provided a contingency reserve for this potential refund and 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
provides 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, only 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 June
30, 1997, a total of $241 million was outstanding at a weighted average
interest rate of 6.2 percent, compared with $108 million outstanding at
June 30, 1996, at a weighted average interest rate of 6.1 percent.

Consumers has also in place a $500 million trade receivables purchase and
sale program. At June 30, 1997 and 1996, receivables sold under the
agreement totaled $266 million and $200 million, respectively. Accounts
receivable and accrued revenue in the Consolidated Balance Sheets have
been reduced to reflect receivables sold.

Consumers uses interest rate swaps (derivatives) to manage exposure to
fluctuations in interest rates. In order for derivatives to initially
qualify for hedge accounting the following criteria must be met: 1) the
item to be hedged exposes the enterprise to interest rate risk; and 2) the
derivative reduces that exposure and is designated as a hedge.

Derivative instruments contain credit risk if the counterparties,
including financial institutions, fail to perform under the agreements.
However, Consumers minimizes such risk by performing financial credit
reviews using, among other things, publicly available credit ratings of
such counterparties. The risk of nonperformance by the counterparties is
considered remote.

Consumers enters into interest rate swap agreements to exchange variable
rate interest payment obligations for fixed rate obligations. These
agreements convert variable rate debt to fixed rate debt in order to
reduce the impact of interest rate fluctuations. The hedged amounts are
used to measure interest to be paid or received and do not represent the
amount of exposure to credit loss. The hedged amount of Consumers'
interest rate swaps was $463 million at June 30, 1997. The difference
between the amounts paid and received under the swaps is accrued and
recorded as an adjustment to interest expense over the life of the hedged
agreement.

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.

In August 1997, Consumers and an affiliated business trust, Consumers
Energy Company Financing II, filed a registration statement with the SEC
for the issuance and sale of up to $120 million of trust originated
preferred securities. Consumers Energy Company Financing II was formed
for the sole purpose of issuing trust originated preferred securities and
investing the proceeds in subordinated notes which will be unsecured
obligations of Consumers. Consumers will use the net proceeds from the
sale of the subordinated notes to redeem, refinance or refund existing
long-term securities, which may include first mortgage bonds, stocks,
preferred securities or notes.

In August 1997, Consumers announced that it will redeem all of the
outstanding shares of its $7.45, $7.68, $7.72 and $7.76 preferred stock.
This $119 million redemption of preferred stock will take place in
September 1997.

Under the provisions of its Articles of Incorporation at June 30, 1997,
Consumers had $326 million of unrestricted retained earnings available to
pay common dividends. In July 1997, Consumers declared a $43 million
common dividend to be paid in August 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 June
30, 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 June 30, 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-
fueled units to be an additional $45 million by the year 2000. Management
believes that Consumers' annual operating costs will not be materially
affected as a result of these expenditures.

The Clean Air Act also contains national air quality standards under which
industry must operate. Currently, Consumers operates within these
standards and meets current ozone and small particle related emission
limits. The Act requires the EPA to periodically review the effectiveness
of these standards in preventing adverse health affects. The EPA recently
revised these standards to increase the restrictions on small particle and
ozone related emissions. Consumers supports the bi-partisan effort in
Congress to delay implementation of the revised standards until the
relationship between the new standards and health improvements is
established.

In addition, the EPA is reviewing recommendations from the Ozone Transport
Assessment Group to reduce ozone transport across state lines. The EPA is
expected to require the State of Michigan to impose additional nitrogen
oxide reductions goals on Consumers' fossil-fueled generating units.

The preliminary estimate of the cost of the changes Consumers may have to
make to its fossil-fueled generating units to reduce ozone related
emissions is approximately $175 million. A potentially equivalent amount
may be needed to comply with the new small particle standards.

Capital Expenditures: Consumers estimates capital expenditures, including
new lease commitments, of $390 million for 1997, $390 million for 1998 and
$380 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 June 30, 1997, Consumers had 18
separate stray voltage lawsuits awaiting trial court action, down from 22
lawsuits as reported 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. Consumers plans to load four additional casks at Palisades
later this year pending approval by the NRC. In June 1997, the NRC
approved the process for unloading spent fuel from a cask with minor weld
flaws. Consumers intends to transfer the spent fuel to a new
transportable cask when one is available. The supplier for the design and
fabrication of the transportable cask has been selected and design work is
proceeding.

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
can 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.

Big Rock will close permanently on August 29, 1997, because management has
determined that the plant would be uneconomical to operate in an
increasingly competitive environment. The plant was originally scheduled
to close May 31, 2000, at the end of the plant's operating license. Plant
decommissioning will begin in September 1997 and is expected to take five
to ten years to return the site to its original condition. The current
decommissioning fund, together with future collections from customers and
future earnings of the fund, is expected to be adequate to cover the plant
decommissioning expenses.


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
Six Months Ended Twelve Months Ended
June 30 1997 1996 1997 1996

Cash transactions
Interest paid (net of amounts
capitalized) $ 82 $ 73 $127 $160
Income taxes paid (net of refunds) 82 74 167 71

Non-cash transactions
Nuclear fuel placed under capital lease $ 3 $ 1 $ 31 $ 4
Other assets placed under capital leases 3 1 5 4
Capital leases refinanced - - - 21
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 June 30, 1997 and 1996, the
related consolidated statements of income and common stockholder's equity
for the three-month, six-month and twelve-month periods then ended, and
the related consolidated statements of cash flows for the six-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,
August 11, 1997.
63

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' Form 10-K for the
year ended December 31, 1996, and in their Form 10-Q for the quarter ended
March 31, 1997. 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
cosponsor of the bill, and amended by that Committee in June 1997 with a
recommendation that the bill pass as amended.

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 June 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 the Companies' Annual Meeting of Shareholders held on May 27, 1997, the
shareholders ratified the appointment of Arthur Andersen LLP as
independent auditors of CMS Energy and Consumers for the year ended
December 31, 1997. The vote at CMS Energy was 86,906,827 in favor and
352,140 against, with 465,200 abstaining. The vote at Consumers was
84,866,362 in favor and 4,059 against, with 13,020 abstaining. At the
same meeting for CMS Energy, the shareholders voted against a
shareholder's proposal to adopt a five point program addressing Consumers'
operating as a "Utility of Choice" and under "Utility of Choice"
guidelines. The vote was 3,600,909 in favor and 70,227,954 against, with
2,846,922 abstaining.

At the same meeting, shareholders elected all twelve nominees for the
office of director for both CMS Energy and Consumers. The total number of
votes cast at CMS Energy was 87,724,167. The votes for individual
nominees were as follows:

CMS ENERGY CORPORATION
______________________

Number of Votes: For Withheld Total

William T. McCormick, Jr. 86,817,436 906,731 87,724,167
John M. Deutch 86,888,001 836,166 87,724,167
James J. Duderstadt 86,868,342 855,825 87,724,167
Kathleen R. Flaherty 86,884,359 839,808 87,724,167
Victor J. Fryling 86,870,424 853,743 87,724,167
Earl D. Holton 86,899,200 824,967 87,724,167
Michael G. Morris 86,862,154 862,013 87,724,167
William U. Parfet 86,908,188 815,979 87,724,167
Percy A. Pierre 86,898,422 825,745 87,724,167
Kenneth Whipple 86,896,028 828,139 87,724,167
John B. Yasinsky 86,906,005 818,162 87,724,167


The total number of votes cast at Consumers was 84,883,441. The votes for
individual nominees were as follows:


CONSUMERS ENERGY COMPANY
________________________

Number of Votes For Withheld Total

William T. McCormick, Jr. 84,871,696 11,745 84,883,441
John M. Deutch 84,871,988 11,453 84,883,441
James J. Duderstadt 84,871,658 11,783 84,883,441
Kathleen R. Flaherty 84,872,116 11,325 84,883,441
Victor J. Fryling 84,872,843 10,598 84,883,441
Earl D. Holton 84,871,668 11,773 84,883,441
Michael G. Morris 84,872,743 10,698 84,883,441
William U. Parfet 84,872,149 11,292 84,883,441
Percy A. Pierre 84,872,694 10,747 84,883,441
Kenneth Whipple 84,871,433 12,008 84,883,441
John B. Yasinsky 84,872,803 10,638 84,883,441

ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

(a) List of Exhibits

(4) - CMS Energy: Credit Agreement dated as of July 2, 1997 among
CMS Energy, The Banks, the Administrative Agent,
Collateral Agent, Documentation Agent, Syndication
Agent, Co-Agents and Lead Manager, all as defined
therein, and the Exhibits and Schedules thereto.
(12) - CMS Energy: Statements regarding computation of Ratio of
Earnings to Fixed Charges
(15)(a) - CMS Energy: Letter of Independent Public Accountant
(15)(b) - Consumers: Letter of Independent Public Accountant
(27)(a) - CMS Energy: Financial Data Schedule
(27)(b) - Consumers: Financial Data Schedule
(99) - CMS Energy: Consumers Gas Group Financials

(b) Reports on Form 8-K

Current Reports on Form 8-K dated June 5, 1997 and June 11, 1997 were
filed by each of CMS Energy and Consumers, and a Current Report on Form 8-
K dated July 1, 1997 was filed by CMS Energy, all covering matters
pursuant to "Item 5. Other Events."
66

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



CONSUMERS ENERGY COMPANY
(Registrant)


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