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


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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 September 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 October 31, 1997:
CMS Energy Corporation:

CMS Energy Common Stock, $.01 par value 96,435,348
CMS Energy Class G Common Stock, no par value 8,154,928
Consumers Energy Company, $10 par value, privately
held by CMS Energy 84,108,789
2

CMS Energy Corporation
and
Consumers Energy Company


Quarterly reports on Form 10-Q to the Securities and Exchange Commission
for the Quarter Ended September 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.....................61
PART II:
Item 1. Legal Proceedings.................................62
Item 6. Exhibits and Reports on Form 8-K..................62
Signatures.............................................................64
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
Ames. . . . . . . . . . . . . . . Crescent and Ames gas gathering systems
and processing plant in Oklahoma.

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
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
Grand Lacs Partnership. . . . . . Grand Lacs Limited Partnership, a
marketing center for natural gas.
GTNs. . . . . . . . . . . . . . . CMS Energy General Term Notes
(Registered Trademark), $250
million Series A, $125 million Series
B, $150 million Series C and $200
million Series D.
GVK . . . . . . . . . . . . . . . GVK Industries, the owner of an
independent power project in
Jegurupadu, Andhra Pradesh, India in
which CMS Generation owns 25.25%

Jorf Lasfar . . . . . . . . . . . A 1,320 MW coal-fueled power plant in
Morocco, Africa, jointly owned by
CMS Generation and ABB.

kWh . . . . . . . . . . . . . . . Kilowatt-hour

Ludington . . . . . . . . . . . . Ludington pumped storage plant, jointly
owned by Consumers and Detroit Edison
Loy Yang. . . . . . . . . . . . . A 2,000 MW brown coal fueled Loy Yang A
power plant and an associated coal mine
in Victoria, Australia, in which
CMS Generation holds a fifty percent
ownership interest.

MCV Facility. . . . . . . . . . . A natural gas-fueled, combined-cycle
cogeneration facility operated by the
MCV Partnership
MCV Partnership . . . . . . . . . Midland Cogeneration Venture Limited
Partnership in which Consumers has a 49
percent interest through CMS Midland.
MD&A. . . . . . . . . . . . . . . Management's Discussion and Analysis
Michigan Gas Storage. . . . . . . Michigan Gas Storage Company, a
subsidiary of Consumers
MMBtu . . . . . . . . . . . . . . Million British thermal unit
Moss Bluff. . . . . . . . . . . . Moss Bluff Gas Storage Systems, a
partnership that owns a gas storage
facility
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
Securitization. . . . . . . . . . A financing authorized by statute in
which the statutorily assured flow of
revenues from a portion of the rates
charged by utilities to their customers
is set aside and pledged as security
for the repayment of rate reduction
bonds issued by a special purpose
vehicle affiliated with such utilities.
Senior Credit Facilities. . . . . $1.125 billion senior credit facilities
consisting of a $400 million 364-day
revolving credit facility, a $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
Transition Costs. . . . . . . . . Costs incurred by utilities in order to
serve their customers in a regulated
monopoly environment, but which may not
be recoverable in a competitive
environment because of customers
leaving their systems and ceasing to
pay for their costs. These costs could
include owned and purchased generation,
regulatory assets, and costs incurred
in the transition to competition.
Trust Preferred Securities. . . . Undivided beneficial interest in the
assets of statutory business trusts,
these interests have a preference with
respect to certain trust distributions
over the interests of either CMS Energy
or Consumers, as applicable, as owner
of the common beneficial interests of
the trusts.
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 and other
parts of CMS Energy's 1996 Form 10-K. This MD&A also refers to, and in
some sections specifically incorporates by reference from CMS Energy's
Condensed Notes to Consolidated Financial Statements and should be read
in conjunction with such Statements and Notes. 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 report.
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
September 30 1997 1996 Change

Quarter ended
Consolidated net income $ 66 $ 58 $ 8
Net income (loss) attributable
to common stocks:
CMS Energy 68 61 7
Class G (2) (3) 1
Earnings (loss) per average
common share:
CMS Energy .70 .65 .05
Class G (.21) (.28) .07

Nine months ended
Consolidated net income $204 $196 $ 8
Net income attributable
to common stocks:
CMS Energy 195 186 9
Class G 9 10 (1)
Earnings per average
common share:
CMS Energy 2.04 2.02 .02
Class G 1.13 1.38 (.25)

Twelve months ended
Consolidated net income $248 $234 $ 14
Net income attributable
to common stocks:
CMS Energy 235 220 15
Class G 13 14 (1)
Earnings per average
common share:
CMS Energy 2.47 2.39 .08
Class G 1.57 1.92 (.35)


Consolidated net income for the three months ended September 30, 1997
increased over the comparable period in 1996 as a result of reduced
operating expenses of Consumers, increased independent power production
earnings and higher oil production, partially offset by lower oil and gas
prices and lower gas production in the exploration and production
business. The third quarter of 1997 included recognition of a gain on the
sale of the entire interest in oil and gas properties in Yemen, offset by
the 1996 gain on the sale of a partnership interest.

Consolidated net income for the nine months ended September 30, 1997
increased over the comparable period in 1996 as a result of the favorable
impact of an electric rate increase received by Consumers in February 1996
which benefited all of 1997, increased electric sales of Consumers',
improved operating results from the MCV Facility in which Consumers has a
49 percent interest, increased independent power production operating
income, and higher oil production in the exploration and production
business. Partially offsetting these increases were decreased gas
deliveries of Consumers due to warmer temperatures during the early part
of 1997, reduced gas wholesale services revenues of Consumers in 1997, and
lower gas production and lower oil and gas prices in the exploration and
production business. The nine months ended September 1997 also included
recognition of an industry expertise service fee in connection with the
Loy Yang A acquisition and the gain on the sale of oil and gas properties,
while the comparable 1996 period included a gain on the sale of a power
purchase agreement by a partnership in which CMS Generation owned a 50
percent interest, a gain on the sale of a partnership interest and a
refund received by the MCV Partnership.

Consolidated net income for the twelve months ended September 30, 1997
increased over the comparable period in 1996 reflecting the favorable
impact of an electric rate increase received by Consumers in February
1996, increased electric sales of Consumers, increased revenues related
to Consumers' transmission of electricity for others, improved operating
results from the MCV Facility, increased independent power production
operating income and higher oil production in the exploration and
production business. Partially offsetting the increases for the twelve
months ended period were decreased electric revenues of Consumers because
of special contract discounts negotiated with large industrial customers
and decreased gas deliveries of Consumers due to warmer temperatures
during the first quarter of 1997. The twelve months ended September 1997
also included recognition of the industry expertise service fee and the
gain on the sale of oil and gas properties. 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
subsidiaries. In the second and third quarters of 1997, Consumers paid
$70 million and $43 million in common dividends, respectively, to CMS
Energy. In October 1997, Consumers declared a $57 million common dividend
to be paid in November 1997. In October 1997, Consumers returned $50
million of paid in capital to CMS Energy. During 1997, Enterprises and
its subsidiaries paid common dividends and other distributions of
$143 million to CMS Energy.

Operating Activities: CMS Energy's consolidated operating cash
requirements are met by its operating and financing activities.
CMS Energy's consolidated cash from operations is derived mainly from the
sale and transportation of natural gas by Consumers, the generation,
transmission, and sale of electricity by Consumers; the sale of oil and
natural gas; the transportation and storage of natural gas; and the
independent power production of electricity . Consolidated cash from
operations totaled $363 million and $520 million for the first nine months
of 1997 and 1996, respectively. The $157 million decrease resulted from
timing differences related to cash payments, cash receipts and the
recognition of revenues for routine operations. CMS Energy uses its
operating cash primarily to expand its international businesses, maintain
and expand electric and gas systems of Consumers, retire portions of its
long-term debt and pay dividends.

Investing Activities: Net cash used in investing activities totaled
$1,170 million and $622 million for the first nine months of 1997 and
1996, respectively. The increase of $548 million primarily reflects
increases in capital expenditures and investments in partnerships and
unconsolidated subsidiaries during 1997. CMS Energy's 1997 expenditures
for its utility and international businesses were $260 million and $866
million, respectively.

Financing Activities: Net cash provided by financing activities totaled
$885 million and $101 million for the first nine months of 1997 and 1996,
respectively. The increase of $784 million in net cash from financing
activities resulted from the issuances of senior unsecured notes, Series C
and D GTNs and Trust Preferred Securities; the increase in notes payable,
and the reduction in the repayment of bank loans. This increase was
partially offset by the retirement of preferred stock in 1997.

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
Loy Yang.

In June 1997, 3.45 million units of 7.75 percent Trust Preferred
Securities were issued and sold through CMS Energy Trust I, a wholly owned
business trust which CMS Energy consolidates. These Trust Preferred
Securities are convertible into CMS Energy Common Stock at a rate
equivalent to a conversion price of $40.80 per share of CMS Energy Common
Stock. Net proceeds from the sale totaled $170 million. For additional
information regarding the sale of these securities refer to Note 4 to the
Consolidated Financial Statements of CMS Energy. For additional
information, see footnote (b) to the Consolidated Balance Sheet.

In September 1997, CMS Energy issued $180 million of senior unsecured
notes due November 15, 2004, at an interest rate of 7.625 percent.
Proceeds from the sale together with other funds were used on October 1,
1997 to discharge, at maturity, $172 million of CMS Energy's Series A
senior deferred coupon notes, and to redeem $175 million of CMS Energy's
Series B senior deferred coupon notes at a premium of $3 million.

At September 30, 1997, CMS Energy had $179 million of Series A GTNs, $125
million of Series B GTNs, $150 million of Series C GTNs, and $6 million
of Series D GTNs issued and outstanding with weighted-average interest
rates of 7.8 percent, 7.9 percent, 7.7 percent, and 7.3 percent,
respectively.

In September 1997, 4.8 million shares of 8.20 percent Trust Preferred
Securities were issued and sold through Consumers Energy Company Financing
II, a wholly owned business trust which Consumers consolidates. Net
proceeds from the sale totaled $116 million. For additional information
regarding the sale of these securities refer to Note 4. For additional
information, see footnote (a) to the Consolidated Balance Sheets.


In November 1997, CMS Energy issued $300 million of senior unsecured notes
due November 15, 2000, at an interest rate of 7.375 percent. Proceeds
from the sale were used to repay a significant portion of the outstanding
balance under CMS Energy's Senior Credit Facilities.

During the nine months ended September 30, 1997, CMS Energy paid $80
million in cash dividends to holders of CMS Energy Common Stock and $7
million in cash dividends to holders of Class G Common Stock. In October
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, each to be paid in November 1997.

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 that were 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 September 30, 1997, the book
value per share of CMS Energy Common Stock and Class G Common Stock was
$18.04 and $11.67, respectively.

As of September 30, 1997, CMS Energy was authorized to issue $406 million
in deferred coupon notes, GTNs, CMS Energy Common Stock, subordinated
debentures, stock purchase contracts, stock purchase units and Trust
Preferred Securities under various outstanding shelf registration
statements on file with the SEC. For information regarding the amounts
previously issued, see the short-term and long-term Financings, and
Capitalization in Note 4.

In October 1997, CMS Energy and affiliated business trusts filed a shelf
registration statement with the SEC pursuant to Rule 462 (b) of the
Securities Act, for the issuance and the sale of an additional $26 million
of CMS Energy Common Stock, subordinated debentures, stock purchase
contracts, stock purchase units and Trust Preferred Securities. When
combined with an existing shelf registration, CMS Energy now has an
aggregate $153 million in such securities registered for future issuance
and sale.

In July 1997, CMS Energy refinanced a $450 million unsecured revolving
credit facility and a $125 million term loan with the $1.125 billion
Senior Credit Facilities consisting of a $400 million 364-day revolving
credit facility, a $600 million three year-revolving credit facility and a
five-year $125 million term loan facility . Also, CMS Energy has
available unsecured lines of credit and letters of credit in an aggregate
amount of $155 million. At September 30, 1997, the total amount
utilized under the Senior Credit Facilities and unsecured lines of credit
and letters of credit was $395 million and $15 million, respectively.

Consumers has FERC authorization to: 1) issue or guarantee up to $900
million of short-term securities through 1998; and 2) to issue $380
million of long-term securities with maturities up to 30 years, for
refinancing or refunding purposes, through November 1998.

Consumers has an unsecured $425 million credit facility and unsecured
lines of credit aggregating $120 million that are available to finance
seasonal working capital requirements and pay for capital expenditures
between long-term financings. At September 30, 1997, the total amount
remaining available under these facilities was $156 million.

Consumers also has in place a $500 million trade receivables sale program.
At September 30, 1997, $250 million in receivables remained available for
sale under the program. For further information, see Note 4.


Consumers' Electric Business Unit Results of Operations

Electric Pretax Operating Income:

In Millions
Three Months Nine Months Twelve Months
Ended Sept. 30 Ended Sept. 30 Ended Sept. 30
Change Compared to
Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996
- ------------------------------------------------------------------------
Sales (including
special contract discounts) $ - $ 4 $ 8
Rate increases and
other regulatory issues 2 12 26
Operations and maintenance 9 8 3
General taxes, depreciation
and other (7) (12) (13)
---- ---- ----

Total change $ 4 $ 12 $ 24
==== ==== ====

Electric Sales: Total electric sales remained constant for the three
month periods ended September 30, 1997 and 1996 but increased for the nine
months ended (0.6 percent) and twelve months ended (2.0 percent) September
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 Nine Twelve
Months Ended Months Ended Months Ended
Sept. 30 1997 1996 Change 1997 1996 Change 1997 1996 Change

Residential 2.8 2.8 - 8.1 8.2 (0.1) 10.8 10.8 -
Commercial 2.7 2.7 - 7.6 7.5 0.1 10.1 9.8 0.3
Industrial 3.4 3.4 - 9.8 9.5 0.3 13.2 12.7 0.5
Other 0.9 0.9 - 2.3 2.5 (0.2) 3.1 3.2 (0.1)
---- ---- ---- ---- ---- ---- ---- ---- ----

Total Sales 9.8 9.8 - 27.8 27.7 0.1 37.2 36.5 0.7
==== ==== ==== ==== ==== ==== ==== ==== ====

Power Costs:

In Millions
September 30 1997 1996 Change

Three months ended $ 296 $ 282 $ 14
Nine months ended 847 802 45
Twelve months ended 1,132 1,041 91

The cost increases for all periods ended September 30, 1997 reflect
increased power purchases from outside sources to meet the sales demand
and the accelerated amortization of nuclear fuel costs related to the
early closing of Big Rock.


Consumers Electric business Unit Issues

Power Purchases from the MCV Partnership: 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 over its expected life
to generate electricity 90 percent of the time. However, for the first
nine months of 1997, the MCV Facility was available 98.9 percent of the
time, resulting in after-tax cash underrecoveries of $31 million. The
underrecovery shown in the table below has been revised to reflect the
anticipated availability of the MCV Facility for the year 1997. For
further information, see Power Purchases from the MCV Partnership in Note
2.

In Millions
1997 1998 1999 2000 2001

Estimated cash under-
recoveries, net of tax $40 $23 $22 $21 $20

The amount of estimated underrecoveries of power costs continues to be
based, in part, on an estimate 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, losses will need to be recognized
for the amount of future underrecoveries in excess of 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 MCV
Facility operations.

Electric Rate Proceedings: In 1996, the MPSC issued a final order which
authorized Consumers to recover costs associated with the purchase of an
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. The order also
established an experimental 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 information on these issues,
see Notes 2 and 3 which are incorporated by reference herein.

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. In 1996, Consumers received an
interim Safety Evaluation Report from the NRC indicating that the reactor
vessel can be safely operated through 2003. 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.

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.

Big Rock closed permanently on August 29, 1997 because management
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 began 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. For further information on nuclear matters, see
Note 8 which is incorporated by reference herein.

Electric Environmental Matters: The Clean Air Act contains significant
environmental provisions specific to utilities. Consumers anticipates
that it will have incurred capital expenditures totaling $85 million by
the year 2000 in order to comply with the current nitrogen oxide emission
limits established by the EPA.

The Clean Air Act also contains national air quality standards. Consumers
and certain other subsidiaries of CMS Energy currently operate within
these standards and meet current ozone and small particle related emission
limits. The EPA recently revised these standards to further limit small
particle and ozone related emissions and proposed that the State of
Michigan impose additional nitrogen oxide limits on fossil-fuel emitters,
such as Consumers' generating units. The preliminary estimate of costs to
reduce ozone related emissions for Consumers' fossil-fueled generating
units is approximately $175 million. A potentially equivalent amount may
be needed to comply with the new small particle standards. CMS Energy and
Consumers support the bipartisan effort in Congress to delay
implementation of the revised standards until the relationship between the
new standards and health improvements is established.

Consumers is a so-called potentially responsible party at several
contaminated sites being administered under Superfund. There are many
other creditworthy potentially responsible parties with substantial assets
cooperating with respect to the individual sites. Based on current
information, management believes it is unlikely that Consumers' 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 these and other
environmental matters, see Electric Environmental Matters in Note 7 which
is incorporated by reference herein.

Other: In October 1997, two independent power producers filed a lawsuit
against Consumers and CMS Energy in a federal court. The suit alleges
antitrust violations relating to contracts which Consumers entered into
with some of its customers as well as claims relating to independent power
production projects. The plaintiffs claim damages of $100 million (which
can be trebled in antitrust cases as provided by law). The transactions
of which plaintiffs complain have been regulated by and subject to the
jurisdiction of the MPSC. CMS Energy believes the lawsuit is without
merit and will vigorously defend against it, but cannot predict the
outcome of this matter.

Consumers Gas Group Results of Operations

Gas Pretax Operating Income:

In Millions
Three Nine Twelve
Months Ended Months Ended Months Ended
Sept. 30 Sept. 30 Sept. 30
Change Compared to
Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996

Sales $ - $(15) $(19)
Gas wholesale and retail
services activities (2) (9) (5)
Operations and maintenance 1 11 12
General taxes, depreciation
and other - (3) (4)

---- ---- ----
Total change $(1) $(16) $(16)
==== ==== ====

Gas Deliveries: Total system deliveries, excluding transport to the MCV
Facility and other miscellaneous transportation, decreased 1.1 percent,
3.8 percent and 3.3 percent, for the three months, nine months and twelve
months ended September 30, 1997, respectively. The table below indicates
total deliveries and the impact of weather.


In bcf
Three Nine Twelve
Months Ended Months Ended Months Ended
September 30 1997 1996 Change 1997 1996 Change 1997 1996 Change

Weather-adjusted
deliveries 30 30 - 228 231 (3) 333 333 -
Impact of weather
and leap year - - - 4 10 (6) 9 22 (13)
System deliveries
excluding
transport to MCV
Facility 30 30 - 232 241 (9) 342 355 (13)
Transport to MCV
Facility 17 16 1 49 49 - 65 62 3
Other Transport-
ation 2 6 (4) 12 25 (13) 17 29 (12)
---- ---- ---- ---- ---- ---- ---- ---- ----

Total deliveries 49 52 (3)) 293 315 (22) 424 446 (22)
==== ==== ==== ==== ==== ==== ==== ==== ====

Cost of Gas Sold:

In Millions
September 30 1997 1996 Change
Three months ended $ 39 $ 51 $ (12)
Nine months ended 472 504 (32)
Twelve months ended 718 742 (24)

The decrease in gas costs for the three months ended September 30, 1997
reflects lower gas prices during 1997. The decreases for the nine month
and twelve month periods ended September 30, 1997 were the result of
decreased 1997 sales reflecting warmer temperatures and an extra day for
leap year in 1996.


Consumer Gas Group Issues

Gas Rate Proceedings: Consumers entered into a special natural gas
transportation contract in response to the customer's proposal to bypass
Consumers' system in favor of a competitive alternative. 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 claiming that the MPSC decision denies Consumers the
opportunity to earn its authorized rate of return and is therefore
unconstitutional. In October 1997, the Court of Appeals issued an opinion
affirming the MPSC's order. Consumers has sought rehearing of the Court
of Appeals opinion.

GCR Matters: In 1995, the MPSC issued an order favorable to Consumers'
position in a $44 million pricing dispute (excluding interest) between
Consumers and certain gas producers gas supply contracts. The court of
appeals has upheld the MPSC order and the producers have now appealed to
the Michigan Supreme Court. 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.

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.
Consumers estimates its costs related to investigation and remedial action
at $48 million to $98 million. This estimate is based on undiscounted
1997 costs. Any significant change in assumptions, such as remediation
technique, nature and extent of contamination and regulatory requirements,
could affect the estimate of investigation and 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 nine
months ended September 30, 1997 increased $7 million and $9 million,
respectively, over the comparable periods in 1996, as a result of a gain
on the sale of the entire interest in oil and gas properties in Yemen, and
higher oil production, offset by lower oil and gas prices and gas
production, and higher operating expenses. Pretax operating income for
the twelve months ended September 30, 1997 increased $17 million over the
comparable period in 1996, as a result of a gain on the sale of oil and
gas properties and higher oil production and prices, offset by lower gas
production and higher operating expenses.


Independent Power Production

Pretax Operating Income: Pretax operating income for the three months
ended September 30, 1997 increased $3 million over the same period in
1996, primarily reflecting increased earnings attributed to the Loy Yang
and Jorf Lasfar projects offset by the 1996 sale of a partnership
interest. Pretax operating income for the nine and twelve months ended
September 30, 1997 was $5 million more than the same periods in 1996,
primarily reflecting increased operating income resulting from increased
international earnings, higher electricity sales by the MCV Facility and
the industry expertise service fee income earned in connection with the
Loy Yang transaction in 1997, offset by the 1996 nonrecurring gains,
including the gain on the sale of a power purchase agreement by a
partnership in which CMS Generation owns a 50 percent interest.

Capital Expenditures: In September 1997, a joint venture of CMS
Generation and a unit of ABB, purchased the concession to possess,
operate, maintain and expand the Jorf Lasfar coal-fueled power plant, a
two unit, 660 megawatt facility, in Morocco. This is the first step in
the $1.5 billion transaction for the privatization and expansion of Jorf
Lasfar. CMS Generation and ABB collectively invested approximately $395
million for their equity contribution in the project company. Funds
obtained for the equity investment were provided through equity bridge
loans by a number of private banks. CMS Energy guaranteed CMS
Generation's 50 percent share of the approximately $395 million borrowing
to fund the equity contribution. The initial disbursement of an estimated
additional $920 million of non-recourse debt financing from a consortium
of governmental, multilateral and private financial institutions in
several countries is expected to be drawn later in 1997. Reinvested cash
from operations estimated at $190 million is expected to provide the
balance of the financing needed for the project. Construction has begun
on two new generating units totaling 696 gross megawatts.

In the second quarter of 1997, a consortium comprised of subsidiaries of
CMS Generation and Northern States Power Company as well as Horizon Energy
Australia Investments acquired Loy Yang, Victoria's largest electric
generating plant and Australia's lowest-cost electric generating facility,
in a privatization by the Australian State of Victoria. The associated
coal mine supplies 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 an affiliate of Northern States Power Company and Horizon
Energy Australia Investments each hold twenty-five percent. Certain
operating and management services for Loy Yang will be provided by the
CMS Generation and Northern States Power Company subsidiaries and their
affiliates.


Natural Gas Transmission, Storage and Processing

Pretax Operating Income: Pretax operating income for the three months
ended September 30, 1997 increased $4 million over the comparable 1996
period, primarily reflecting income attributable to the Australian
pipeline acquired in 1997 and expanded domestic operations. Pretax
operating income for the nine and twelve months ended September 30, 1997
increased $7 million and $10 million, respectively, from the same periods
in 1996, reflecting income attributable to domestic and international
operations 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.


Marketing, Services and Trading

Pretax operating income for the three months ended September 30, 1997 was
unchanged from the comparable 1996 period. Pretax operating income for
the nine and twelve months ended September 30, 1997 decreased $1 million
and $2 million, respectively, from the year-earlier periods, reflecting
lower margins caused by unusually high natural gas prices and higher
operating costs due to business expansion. CMS MST provides energy
commodity marketing, risk management and energy management services
throughout the United States and plans to expand operations worldwide.
Gas marketed for end users was 144 bcf and 84 bcf for the nine months
ended 1997 and 1996, respectively.


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 FERC and the MPSC) with respect to
rates, proposed electric industry restructuring, change in industry and
rate structure, operation of a nuclear power facility, 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 other important factors. 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 $4.0 billion over
the next three years. Cash generated by operations is expected to satisfy
a substantial portion of capital expenditures. Nevertheless, CMS Energy
will continue to evaluate capital markets in 1997 as a potential source of
financing its subsidiaries' investing activities. CMS Energy estimates
capital expenditures by business segment over the next three years as
follows:
In Millions
Years Ended December 31 1997 1998 1999

Consumers electric operations (a) $ 270 $ 295 $ 295
Consumers gas operations (a) 120 120 115
Oil and gas exploration and production 135 150 160
Independent power production (b) 740 368 469
Natural gas transmission and storage 115 156 61
International energy distribution 120 125 125
Marketing, services and trading 40 21 25
------ ------ ------

$1,540 $1,235 $ 1,250
====== ====== ======

(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 $1.6 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 $332 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 $86 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

Growth: Consumers expects average annual growth of two and one-half
percent per year in electric system volume 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 another means by which retail service customers can satisfy their power
requirements.

Restructuring: 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 could 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 by regulatory decisions and 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 as
part of its phased introduction to competition.

FERC issued Orders 888 and 889, as amended on rehearing, requiring
utilities to provide open access to the interstate transmission grid for
wholesale transactions. Consumers has complied with several FERC
requirements contained in these orders; however, Consumers and Detroit
Edison disagree on the effect of the orders on the Michigan Electric Power
Coordination Center Pool. Consumers proposes to maintain the benefits of
the pool, while Detroit Edison seeks early termination. FERC is expected
to decide the question in 1998.

As part of ongoing proceedings relating to the restructuring of the
electric utility industry in Michigan, in June 1997 the MPSC issued an
order which proposed that Consumers would have to accept competing power
suppliers using its distribution and transmission facilities to serve
retail customers beginning January 1, 1998. By January 1, 2002, all
customers would be free to choose (that is, have direct access to) their
own power suppliers.

The order would allow utilities to recover prudently incurred Transition
Costs through a charge to all direct-access customers through the end of
the transition period in 2007. Further proceedings, as ordered by the
MPSC, later took place to address other features of the open access
programs being considered, including proposals to "true up" Transition
Cost charges for changes in sales and market prices of power purchase
capacity to the extent that they are different from estimates used for
calculating Transition Costs. The June order is subject to claims of
appeal filed with the Court of Appeals and a rehearing petition filed by
Consumers which questions whether the MPSC has the statutory authority to
mandate restructuring on an involuntary basis.

The June 1997 order further stated that Securitization may be a beneficial
mechanism for recovery of Transition Costs, but recognizes that state
legislation is required for Securitization to occur. Michigan legislative
consideration of the entire subject of electric industry restructuring
including Securitization is expected in early 1998. To be acceptable to
Consumers, the legislation would have to provide for full recovery of
Transition Costs. Rate reductions for customers could also be
accomplished if the legislation allowed a Securitization charge to be paid
by all customers over a period of 15 years (the expected term of the "rate
reduction bonds" to be issued as part of the Securitization process). The
legislature is expected to review all of the policy choices made by the
MPSC during the Restructuring proceedings to assure that they are in
accord with those which the legislature believes should be paramount.

Prior to legislative input, Consumers had estimated that it would recover
$1.9 billion (as revised in a June 1997 filing with the MPSC) of
Transition Costs through charges to direct-access customers. A separate
charge to direct-access customers would also recover costs of implementing
a direct-access program totaling an additional $200 million.

On October 29, 1997, the MPSC issued a series of orders relating to its
electric industry restructuring proceedings. The orders primarily
addressed issues involving the design of retail open access tariffs, the
true-up mechanism in connection with the recovery of stranded costs,
suspension of the power supply cost recovery clauses and freezing of power
supply costs, and performance-based rate-making.

The orders were not completely definitive. A number of matters need to be
clarified or supplemented by further MPSC hearings, orders or in
subsequent legislation before any open access program allowing customers
choice of power suppliers with the scope contained in those orders could
be accepted voluntarily by Consumers. Accordingly, Consumers has filed a
petition for rehearing, reconsideration and clarification raising all of
the issues which must be satisfactorily addressed before it could agree.
For further information on Application of SFAS 71, see below.

Application of SFAS 71: Consumers 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 the generation, transmission and distribution operations of its
business 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 the
generation segment of Consumers' business. 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. In accordance with recently
published Emerging Issues Task Force Issue 97-4, Deregulation of the
Pricing of Electricity - Issues Related to the Application of FASB
Statements No. 71 and 101, Consumers can continue to carry its generation-
related regulatory assets or liabilities as long as there is deregulatory
legislation or an MPSC rate order which allows the collection of regulated
cash flows to recover these specific costs or settle obligations. As a
result, the generation portion of net regulatory assets are to be
maintained by the regulated portion of the business until they are
collected, they are impaired, or until the regulated portion of the
business becomes deregulated. Based on a current evaluation of the
various factors and conditions that are expected to affect future cost
recovery, Consumers believes that even if it was to discontinue
application of SFAS 71 for the generation segment of its business, its
regulatory assets, including those related to generation, are probable of
future recovery from the regulated portion of the business.

Consumers Gas Group Outlook

Growth: 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 further increase load. 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 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.

Gas Orders: 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
distribution facilities. 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 through March 1999; expected customer interest is unknown at
this time.

Application of SFAS 71: 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.


Foreign Currency Translation:

Foreign currency translation adjustments relating to the operation of CMS
Energy's long-term investments in foreign countries are included in common
stockholders' equity. As of September 30, 1997 the foreign currency
translation adjustment was $45 million relating primarily to the U.S. and
Australian Dollar exchange rate fluctuations from the acquisition of Loy
Yang. CMS Energy has presently concluded that the Australian economy is
stable and that currency exchange rate fluctuations over the long term are
not expected to have a material effect on CMS Energy's financial position,
liquidity or results of operations.


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. Also in
1997, the Emerging Issues Task Force published Issue 97-4, Deregulation of
the Pricing of Electricity - Issues Related to the Application of FASB
Statements No. 71 and 101. The consensus reached in this issue allows for
regulatory assets and liabilities to be maintained for a portion of a
business which is being deregulated as long as there is deregulatory
legislation or a commission rate order which allows the collection of
regulated cash flows to recover costs or settle obligations. These
regulatory assets and liabilities are maintained by the regulated portion
of a business until they are collected or settled, they are impaired, or
until the regulated portion of the business becomes deregulated. CMS
Energy does not expect the application of these statements to have a
material effect on its financial position, liquidity or results of
operations.

Computer Modifications for Year 2000: CMS Energy and its subsidiaries
utilize software and related technologies throughout the business which
will be affected by the year 2000 date change. Modifications began in
1995 to computer software systems to process year 2000 date transactions.
Anticipated spending for these modifications will be expensed as incurred,
while the costs for new software will be capitalized and amortized over
the software's useful life. CMS Energy does not expect that the cost of
these modifications will have a material effect on its financial position,
liquidity or results of operations.
21

<TABLE>
CMS Energy Corporation
Consolidated Statements of Income
(Unaudited)
<CAPTION>
Three Months Ended Nine Months Ended Twelve Months Ended
September 30 1997 1996 1997 1996 1997 1996
In Millions, Except Per Share Amounts
<S> <C> <C> <C> <C> <C> <C>
Operating Revenue
Electric utility $ 670 $ 655 $1,888 $1,827 $2,507 $2,381
Gas utility 110 123 828 880 1,230 1,274
Oil and gas exploration and production 42 32 110 94 146 120
Independent power production 45 44 116 108 148 133
Natural gas transmission, storage
and processing 22 12 75 40 97 48
Marketing, services and trading 153 59 366 191 433 246
Other 3 4 11 10 16 17
------ ------ ------ ------ ------ ------
1,045 929 3,394 3,150 4,577 4,219
------ ------ ------ ------ ------ ------
Operating Expenses
Operation
Fuel for electric generation 80 76 220 219 297 294
Purchased power - related parties 151 150 447 436 600 558
Purchased and interchange power 65 56 180 147 235 189
Cost of gas sold 178 106 829 682 1,144 970
Other 189 186 525 528 734 728
------ ------ ------ ------ ------ ------
663 574 2,201 2,012 3,010 2,739
Maintenance 39 42 122 120 180 167
Depreciation, depletion and amortization 110 99 348 322 467 436
General taxes 48 45 158 149 211 202
------ ------ ------ ------ ------ ------
860 760 2,829 2,603 3,868 3,544
------ ------ ------ ------ ------ ------
Pretax Operating Income (Loss)
Electric utility 132 128 342 330 423 399
Gas utility (1) - 100 116 142 158
Oil and gas exploration and production 17 10 37 28 48 31
Independent power production 32 29 67 62 73 68
Natural gas transmission, storage
and processing 9 5 26 19 33 23
Marketing, services and trading - - 1 2 1 3
Other (4) (3) (8) (10) (11) (7)
------ ------ ------ ------ ------ ------
185 169 565 547 709 675
------ ------ ------ ------ ------ ------
Other Income (Deductions)
Accretion income 2 2 6 7 8 10
Accretion expense (4) (7) (13) (21) (14) (28)
Other, net 3 1 5 5 2 6
------ ------ ------ ------ ------ ------
1 (4) (2) (9) (4) (12)
------ ------ ------ ------ ------ ------
Fixed Charges
Interest on long-term debt 72 58 198 174 254 230
Other interest 12 10 34 30 47 43
Capitalized interest (4) (1) (11) (5) (14) (9)
Preferred stock dividends 6 7 20 21 27 28
Trust Preferred Securities distributions 6 2 11 6 13 6
------ ------ ------ ------ ------ ------
92 76 252 226 327 298
------ ------ ------ ------ ------ ------
Income Before Income Taxes 94 89 311 312 378 365
Income Taxes 28 31 107 116 130 131
------ ------ ------ ------ ------ ------
Consolidated Net Income $ 66 $ 58 $ 204 $ 196 $ 248 $ 234
====== ====== ====== ====== ====== ======
Net Income (Loss) Attributable
to Common Stocks
CMS Energy $ 68 $ 61 $ 195 $ 186 $ 235 $ 220
Class G $ (2) $ (3) $ 9 $ 10 $ 13 $ 14
Average Common Shares Outstanding
CMS Energy 96 92 95 92 95 92
Class G 8 8 8 8 8 8
Earnings (Loss) Per Average Common Share
CMS Energy $ .70 $ .65 $ 2.04 $ 2.02 $ 2.47 $ 2.39
Class G $ (.21) $ (.28) $ 1.13 $ 1.38 $ 1.57 $ 1.92
Dividends Declared Per Common Share
CMS Energy $ .30 $ .27 $ .84 $ .75 $ 1.11 $ .99
Class G $ .31 $ .295 $ .90 $ .855 $1.195 $1.135
====== ====== ====== ====== ====== ======
<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>

Nine Months Ended Twelve Months Ended
September 30 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Cash Flows from Operating Activities
Consolidated net income $ 204 $ 196 $ 248 $ 234
Adjustments to reconcile net income to net cash
provided by operating activities
Depreciation, depletion and amortization
(includes nuclear decommissioning of
$37, $37, $49 and $49, respectively) 348 322 467 436
Capital lease and debt discount amortization 36 33 44 44
Deferred income taxes and investment tax credit 20 25 41 35
Accretion expense 13 21 14 28
Accretion income - abandoned Midland project (6) (7) (8) (10)
Power purchases (47) (43) (67) (78)
Undistributed earnings of related parties (44) (54) (53) (60)
Other (11) 11 (3) 6
Changes in other assets and liabilities (150) 16 (179) 178
------- ------ ------- ------
Net cash provided by operating activities 363 520 504 813
------- ------ ------- ------
Cash Flows from Investing Activities
Capital expenditures (excludes assets placed
under capital lease) (538) (430) (767) (585)
Investments in partnerships and
unconsolidated subsidiaries (588) (147) (604) (215)
Investments in nuclear decommissioning trust funds (37) (37) (49) (49)
Other (27) (2) (23) (11)
Cost to retire property, net (26) (20) (37) (34)
Proceeds from sale of property 46 34 91 55
Acquisition of companies, net of cash acquired - (20) - (19)
------- ------ ------- ------
Net cash used in investing activities (1,170) (622) (1,389) (858)
------- ------ ------- ------
Cash Flows from Financing Activities
Proceeds from bank loans, notes and bonds 827 385 875 507
Proceeds from Trust Preferred Securities 286 97 286 97
Increase (decrease) in notes payable, net 61 - 53 (133)
Issuance of Common Stock 60 29 126 41
Retirement of preferred stock (120) - (120) -
Payment of Common Stock dividends (87) (75) (115) (99)
Retirement of bonds and other long-term debt (73) (37) (73) (37)
Payment of capital lease obligations (35) (33) (42) (44)
Repayment of bank loans (32) (264) (24) (268)
Retirement of Common Stock (2) (1) (2) (1)
------- ------ ------- ------
Net cash provided by financing activities 885 101 964 63
------- ------ ------- ------
Net Increase (Decrease) in Cash and
Temporary Cash Investments 78 (1) 79 18

Cash and Temporary Cash Investments, Beginning of Period 56 56 55 37
------- ------ ------- ------
Cash and Temporary Cash Investments, End of Period $ 134 $ 55 $ 134 $ 55
======= ====== ======= ======

<FN>

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

</TABLE>
23

<TABLE>

CMS Energy Corporation
Consolidated Balance Sheets

<CAPTION>

ASSETS September 30 September 30
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Plant and Property (At Cost)
Electric $ 6,447 $ 6,333 $ 6,286
Gas 2,502 2,337 2,362
Oil and gas properties (full-cost method) 1,224 1,140 1,126
Other 99 94 88
------- ------- -------
10,272 9,904 9,862
Less accumulated depreciation, depletion
and amortization 5,189 4,867 4,936
------- ------- -------
5,083 5,037 4,926
Construction work-in-progress 332 243 251
------- ------- -------
5,415 5,280 5,177
------- ------- -------
Investments
Independent power production 819 317 305
Natural gas transmission, storage and processing 249 233 241
First Midland Limited Partnership (Note 2) 239 232 230
Midland Cogeneration Venture Limited
Partnership (Note 2) 163 134 127
Other 112 86 89
------- ------- -------
1,582 1,002 992
------- ------- -------
Current Assets
Cash and temporary cash investments at cost,
which approximates market 134 56 55
Accounts receivable and accrued revenue,
less allowances of $7, $10 and $3,
respectively (Note 4) 384 374 219
Inventories at average cost
Gas in underground storage 253 186 250
Materials and supplies 92 86 82
Generating plant fuel stock 26 30 28
Deferred income taxes 18 48 19
Prepayments and other 113 235 132
------- ------- -------
1,020 1,015 785
------- ------- -------
Non-current Assets
Postretirement benefits 411 435 442
Nuclear decommissioning trust funds 478 386 360
Abandoned Midland Project 98 113 117
Other 496 384 418
------- ------- -------
1,483 1,318 1,337
------- ------- -------
Total Assets $ 9,500 $ 8,615 $ 8,291
======= ======= =======

</TABLE>
24

<TABLE>




<CAPTION>

STOCKHOLDERS' INVESTMENT AND LIABILITIES September 30 September 30
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Capitalization
Common stockholders' equity $ 1,834 $ 1,702 $ 1,619
Preferred stock of subsidiary 238 356 356
Company-obligated mandatorily redeemable
Trust Preferred Securities of:
Consumers Power Company Financing I (a) 100 100 100
Consumers Energy Company Financing II (a) 120 - -
Company-obligated convertible
Trust Preferred Securities of
CMS Energy Trust I (b) 173 - -
Long-term debt 3,060 2,842 2,996
Non-current portion of capital leases 82 103 92
------- ------- -------
5,607 5,103 5,163
------- ------- -------

Current Liabilities
Current portion of long-term debt
and capital leases 911 409 198
Notes payable 394 333 341
Accounts payable 326 348 260
Accrued taxes 146 262 147
Accrued interest 61 47 51
Power purchases (Note 2) 47 47 90
Accounts payable - related parties 70 63 59
Accrued refunds 7 8 23
Other 191 206 196
------- ------- -------
2,153 1,723 1,365
------- ------- -------

Non-current Liabilities
Deferred income taxes 675 698 651
Postretirement benefits 520 521 528
Deferred investment tax credit 154 161 163
Power purchases (Note 2) 144 178 197
Regulatory liabilities for income taxes, net 86 66 61
Other 161 165 163
------- ------- -------
1,740 1,789 1,763
------- ------- -------



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


Total Stockholders' Investment and Liabilities $ 9,500 $ 8,615 $ 8,291
======= ======= =======

<FN>

(a) 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 primary asset of Consumers Energy Company Financing II is
$124 million principal amount of 8.20% subordinated interest notes due 2027 from Consumers. For further discussion,
see Note 4 to the Consolidated Financial Statements.

(b) As described in Note 4, 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 Nine Months Ended Twelve Months Ended
September 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 2,075 1,967 2,045 1,951 1,979 1,935
Common Stock reacquired (2) (1) (2) (1) (2) (1)
Common Stock issued:
CMS Energy 28 12 56 26 120 41
Class G 2 1 4 3 6 4
------ ------ ------ ------ ------ ------
At end of period 2,103 1,979 2,103 1,979 2,103 1,979
------ ------ ------ ------ ------ ------
Revaluation Capital
At beginning of period (6) (8) (6) (8) (7) (8)
Change in unrealized investment-
gain (loss) 2 1 2 1 3 1
------ ------ ------ ------ ------ ------
At end of period (4) (7) (4) (7) (4) (7)
------ ------ ------ ------ ------ ------
Foreign Currency Translation
At beginning of period - - - - - -
Change in foreign currency
translation (45) - (45) - (45) -
------ ------ ------ ------ ------ ------
At end of period (45) - (45) - (45) -
------ ------ ------ ------ ------ ------
Retained Earnings (Deficit)
At beginning of period (256) (385) (338) (475) (354) (489)
Consolidated net income 66 58 204 196 248 234
Common Stock dividends declared:
CMS Energy (28) (25) (80) (69) (105) (91)
Class G (3) (2) (7) (6) (10) (8)
------ ------ ------ ------ ------ ------
At end of period (221) (354) (221) (354) (221) (354)
------ ------ ------ ------ ------ ------
Total Common Stockholders' Equity $1,834 $1,619 $1,834 $1,619 $1,834 $1,619
====== ====== ====== ====== ====== ======

<FN>

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

</TABLE>
26



CMS Energy Corporation
Condensed Notes to
Consolidated Financial Statements



These Consolidated 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 which 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, nine and twelve month periods ended September 30,
1997, undistributed equity earnings were $21 million, $44 million and $53
million, respectively, and $13 million, $54 million and $60 million for
the three, nine and twelve months periods ended September 30, 1996.

Foreign currency translation adjustments relating to the operation of
CMS Energy's long-term investments in foreign countries are included in
common stockholders' equity. As of September 30, 1997 the foreign
currency translation adjustment was $45 million relating primarily to the
U.S. and Australian Dollar exchange rate fluctuations from the acquisition
of the Loy Yang.


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 Nine Twelve
Months Ended Months Ended Months Ended
September 30 1997 1996 1997 1996 1997 1996

Pretax operating income $18 $19 $36 $31 $45 $38
Income taxes and other 6 6 11 9 13 11
--- --- --- --- --- ---

Net income $12 $13 $25 $22 $32 $27
=== === === === === ===

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 incrementally 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 recognized a loss in 1992 for the present value of the estimated
future underrecoveries of power costs under the PPA. At September 30,
1997 and December 31, 1996, the after-tax present value of the PPA
liability totaled $124 million and $147 million, respectively. The
reduction in the liability since December 31, 1996 reflects after-tax cash
underrecoveries of $31 million partially offset by after-tax accretion
expense of $8 million. The undiscounted after-tax amount associated with
the liability totaled $506 million at September 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 over its
expected life to generate electricity 90 percent of the time. However,
for the first nine months of 1997 the MCV Facility was available 98.9
percent of the time, resulting in the $31 million of after-tax cash
underrecoveries. The underrecovery shown in the table below has been
revised to reflect the anticipated availability of the MCV Facility for
the year 1997.

In Millions
1997 1998 1999 2000 2001

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

The amount of estimated underrecoveries of power costs continues to be
based, in part, on an estimate 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, losses will need to be recognized
for the amount of future underrecoveries in excess of 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 MCV
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 decision. The MCV Partnership filed an
application for leave to appeal with the Michigan Supreme Court.


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 load, of which 410 MW have already been
filled by existing contracts. An additional 140 MW of load 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 fourth 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. In September 1997, the MPSC further authorized
Consumers to collect $13 million from electric customers through a one-
time surcharge pertaining to the 1995 PSCR reconciliation.

Electric Restructuring: As part of ongoing proceedings relating to the
restructuring of the electric utility industry in Michigan, in June 1997
the MPSC issued an order which proposed that Consumers would have to
accept competing power suppliers using its distribution and transmission
facilities to serve retail customers beginning January 1, 1998. By
January 1, 2002, all customers would be free to choose (that is, have
direct access to) their own power suppliers.

The order would allow utilities to recover prudently incurred Transition
Costs through a charge to all direct-access customers through the end of
the transition period in 2007. Further proceedings, as ordered by the
MPSC, later took place to address other features of the open access
programs being considered, including proposals to "true up" Transition
Cost charges for changes in sales and market prices of power purchase
capacity to the extent that they are different from estimates used for
calculating Transition Costs. The June order is subject to claims of
appeal filed with the Court of Appeals and a rehearing petition filed by
Consumers which questions whether the MPSC has the statutory authority to
mandate restructuring on an involuntary basis.

The June 1997 order further stated that Securitization may be a beneficial
mechanism for recovery of Transition Costs, but recognizes that state
legislation is required for Securitization to occur. Michigan legislative
consideration of the entire subject of electric industry restructuring
including Securitization is expected in early 1998. To be acceptable to
Consumers, the legislation would have to provide for full recovery of
Transition Costs. Rate reductions for customers could also be
accomplished if the legislation allowed a Securitization charge to be paid
by all customers over a period of 15 years (the expected term of the "rate
reduction bonds" to be issued as part of the Securitization process). The
legislature is expected to review all of the policy choices made by the
MPSC during the Restructuring proceedings to assure that they are in
accord with those which the legislature believes should be paramount.

Prior to legislative input, Consumers had estimated that it would recover
$1.9 billion (as revised in a June 1997 filing with the MPSC) of
Transition Costs through charges to direct-access customers. A separate
charge to direct-access customers would also recover costs of implementing
a direct-access program totaling an additional $200 million.

On October 29, 1997, the MPSC issued a series of orders relating to its
electric industry restructuring proceedings. The orders primarily
addressed issues involving the design of retail open access tariffs, the
true-up mechanism in connection with the recovery of stranded costs,
suspension of the power supply cost recovery clauses and freezing of power
supply costs, and performance-based rate-making.

The orders were not completely definitive. A number of matters need to be
clarified or supplemented by further MPSC hearings, orders or in
subsequent legislation before any open access program allowing customers
choice of power suppliers with the scope contained in those orders could
be accepted voluntarily by Consumers. Accordingly, Consumers has filed a
petition for rehearing, reconsideration and clarification raising all of
the issues which must be satisfactorily addressed before it could agree.
For further information on Application of SFAS 71, see Electric Outlook in
the MD&A.

Gas Proceedings: In the GCR reconciliation proceeding for the period
April 1995 through March 1996, the MPSC staff questioned 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. In
August 1997, the MPSC ruled that the gas loaning program was not the same
as the storage service and, therefore, that gas loaning revenue was not
subject to refund.

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
which began April 1997. Out of the 40,000 eligible customers, only 500
volunteered to participate in the program. For those program
participants, Consumers will retain its role as transporter and
distributor of the customers' gas.

In 1995, the MPSC issued an order regarding a $44 million (excluding
interest) gas supply contract pricing dispute between Consumers and
certain gas 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, and
the Court of Appeals upheld the MPSC order. The producers have appealed
to the Michigan Supreme Court. 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: In July 1997, CMS Energy refinanced a $450 million unsecured
revolving credit facility and a $125 million term loan with the $1.125
billion Senior Credit Facilities consisting of a $400 million 364-day
revolving credit facility, a $600 million three-year revolving credit
facility and a five-year $125 million term loan facility. Also, CMS Energy
has available unsecured lines of credit and letters of credit in an
aggregate amount of $155 million. At September 30, 1997 the total amount
utilized under the Senior Credit Facilities and unsecured lines of credit
and letters of credit was $395 million and $15 million, 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
Loy Yang.

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, 3.45 million units of
7.75 percent Trust Preferred Securities were issued and sold through
CMS Energy Trust I, a wholly owned business trust which CMS Energy
consolidates. Net proceeds from the sale totaled $170 million.
CMS Energy Trust I was formed for the sole purpose of issuing Trust
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. These Trust Preferred Securities are
convertible into CMS Energy Common Stock at a rate equivalent to a
conversion price of $40.80 per share of CMS Energy Common Stock. 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. For additional information, see
footnote (b) to the Consolidated Balance Sheets.

At September 30, 1997, CMS Energy had $179 million of Series A GTNs, $125
million of Series B GTNs, $150 million of Series C GTNs, and $6 million
of Series D GTNs issued and outstanding with weighted-average interest
rates of 7.8 percent, 7.9 percent, 7.7 percent, and 7.3 percent,
respectively.

In September 1997, CMS Energy issued $180 million of senior unsecured
notes due November 15, 2004, at an interest rate of 7.625 percent.
Proceeds from the sale together with other funds were used on October 1,
1997 to discharge, at maturity, $172 million of CMS Energy's Series A
senior deferred coupon notes, and to redeem $175 of CMS Energy's Series B
senior deferred coupon notes at a premium of $3 million.

In November 1997, CMS Energy issued $300 million of senior unsecured notes
due November 15, 2000, at an interest rate of 7.375 percent. Proceeds
from the sale were used to repay a significant portion of the outstanding
balance under the Senior Credit Facilities.

Consumers: Consumers has FERC authorization to: 1) issue or guarantee up
to $900 million of short-term securities through 1998; and 2) to issue
$380 million of long-term securities with maturities up to 30 years, for
refinancing or refunding purposes, through November 1998.

Consumers has an unsecured $425 million credit facility and unsecured
lines of credit aggregating $120 million that are available to finance
seasonal working capital requirements and pay for capital expenditures
between long-term financings. At September 30, 1997, a total of $389
million was outstanding at a weighted average interest rate of 6.2
percent, compared with $340 million outstanding at September 30, 1996, at
a weighted average interest rate of 6.0 percent.

Consumers also has in place a $500 million trade receivables sale program.
At September 30, 1997 and 1996, receivables sold under the program totaled
$250 million and $210 million, respectively. Accounts receivable and
accrued revenue in the Consolidated Balance Sheets have been reduced to
reflect receivables sold.

In 1996, 4 million shares of 8.36 percent Trust Preferred Securities were
issued and sold through Consumers Power Company Financing I, a wholly
owned business trust which Consumers consolidates. Net proceeds from the
sale totaled $97 million. In September 1997, 4.8 million shares of 8.20
percent Trust Preferred Securities were issued and sold through Consumers
Energy Company Financing II, a wholly owned business trust which Consumers
consolidates. Net proceeds from the sale totaled $116 million. Both
trusts were formed for the sole purpose of issuing the Trust Preferred
Securities. Consumers' obligations with respect to the Trust Preferred
Securities under the notes, under the indenture under which the notes have
been issued, under Consumers' guarantee of the Trust Preferred Securities,
and under the declaration by the trust, taken together, constitute a full
and unconditional guarantee by Consumers of the trusts' obligations under
the Trust Preferred Securities. For additional information, see footnote
(a) to the Consolidated Balance Sheets.

In September 1997, Consumers redeemed all outstanding shares of its $7.45,
$7.68, $7.72 and $7.76 preferred stock for $120 million.


5: Earnings Per Share and Dividends

Earnings (loss) per share attributable to Common Stock for the three, nine
and twelve month periods ended September 30, 1997 and September 30, 1996
reflect the performance of Consumers Gas Group. The Class G Common Stock
has participated in earnings and dividends from its original issue date in
July 1995. 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 nine months ended
September 30, 1997 and 1996 are based on 24.65 percent of the income of
Consumers Gas Group and 23.67 percent of the income of the Consumers Gas
Group, respectively.

In February and May 1997, CMS Energy paid dividends of $.27 per share on
CMS Energy Common Stock and $.295 per share on Class G Common Stock. In
August 1997, CMS Energy paid a dividend of $.30 per share on CMS Energy
Common Stock and $.31 per share on Class G Common Stock. In October 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 November 1997.


6: Risk Management Activities and Derivative Transactions

CMS Energy and its subsidiaries use a variety of derivative instruments
(derivatives), including futures contracts, swaps, options 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 nine months of 1997, CMS NOMECO
has made net payments of $4.9 million for settlement of 1997 contracts on
12.0 bcf of gas and 1.8 million barrels of oil. During September 1997,
CMS NOMECO entered into additional 1997 gas price hedging arrangements on
.9 bcf of gas at prices of $3.30 and $3.31 per MMBtu.

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 September
30, 1997, the other party posted a $3.3 million letter of credit in favor
of CMS NOMECO.

CMS MST uses natural gas futures contracts, options 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 September 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 CMS Energy's foreign currency hedging
activities is to protect the company from the risk that U.S. dollar net
cash flows resulting from sales to foreign customers and purchases from
foreign suppliers and the repayment of non-U.S. 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 September 30, 1997.

7: Commitments and Contingencies

Electric Environmental Matters: The Clean Air Act limits emissions of
sulfur dioxide and nitrogen oxides and requires 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. In its effort to comply with the Act,
Consumers has already made 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. Consumers and certain other subsidiaries of
CMS Energy currently operate within these standards and meet 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
further limit small particle and ozone related emissions. CMS Energy and
Consumers support the bipartisan 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 has considered recommendations from the Ozone
Transport Assessment Group and petitions from several Northeastern states
to reduce ozone transport across state lines. On October 10, 1997, the
EPA proposed that the State of Michigan impose additional nitrogen oxide
limits on fossil-fuel emitters, such as Consumers' generating units, so as
to reduce statewide nitrogen oxide emissions by 32 percent, as early as
2002. The State of Michigan will have one year to review and challenge
the proposed recommendations, and one year thereafter to implement final
requirements.

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.

Consumers is a so-called potentially responsible party at several
contaminated sites being administered under Superfund. Superfund
liability is joint and several and, along with Consumers, there are many
other creditworthy 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 Superfund sites will be between $2 million and $9 million.
At September 30, 1997, Consumers has accrued $2 million for its estimated
Superfund liability.

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.

Gas Environmental Matters: 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 September 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.

Capital Expenditures: CMS Energy estimates capital expenditures,
including investments in unconsolidated subsidiaries and new lease
commitments, of $1,540 million for 1997, $1,235 million for 1998 and
$1,250 million for 1999. For further information regarding capital
expenditures, see Forward-Looking Information in the MD&A.

Other: As of September 30, 1997, CMS Energy and Enterprises have
guaranteed up to $315 million in contingent obligations of unconsolidated
affiliates and unrelated parties.

In October 1997, two independent power producers filed a lawsuit against
Consumers and CMS Energy in a federal court. The suit alleges antitrust
violations relating to contracts which Consumers entered into with some of
its customers as well as claims relating to independent power production
projects. The plaintiffs claim damages of $100 million (which can be
trebled in antitrust cases as provided by law). The transactions of which
plaintiffs complain have been regulated by and subject to the jurisdiction
of the MPSC. CMS Energy believes the lawsuit is without merit and will
vigorously defend against it, but cannot predict the outcome of this
matter.

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 adverse impact on CMS Energy's 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 five additional casks at Palisades in
1999 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 closed permanently on August 29, 1997 because management
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 began 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 Consolidated 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 September 30
were:

In Millions
Nine Twelve
Months Ended Months Ended
1997 1996 1997 1996

Cash transactions
Interest paid (net of
amounts capitalized) $ 201 $ 187 $ 267 $ 236
Income taxes paid
(net of refunds) 57 61 78 70
Non-cash transactions
Nuclear fuel placed
under capital lease $ 4 $ 8 $ 24 $ 10
Other assets placed
under capital leases 5 2 6 4
Common Stock issued to
acquire companies - - - 4
Capital leases refinanced - - - 21
36


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
September 30, 1997 and 1996, the related consolidated statements of income
and common stockholders' equity for the three-month, nine-month and
twelve-month periods then ended, and the related consolidated statements
of cash flows for the nine-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,
November 10, 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 and other
parts of Consumers' 1996 Form 10-K. This MD&A also refers to, and in some
sections specifically incorporates by reference from Consumers Condensed
Notes to Consolidated Financial Statements and should be read in
conjunction with such Statements and Notes. 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 report.
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
September 30 1997 1996 Change

Three months ended $ 71 $ 60 $ 11
Nine months ended 212 203 9
Twelve months ended 269 249 20

The increase in earnings for the three months ended September 30, 1997
compared to the same 1996 period reflects reduced operation expenses, and
a one-time recognition of interest income from a related-party property
sale. The increase in earnings for the nine months ended September 30,
1997 compared to the same 1996 period reflects the favorable impact of an
electric rate increase received in February 1996 which benefited all nine
months of 1997, recognized interest income as a result of the related-
party property sale, increased electric sales and improved operating
results from the MCV Facility in which Consumers has a 49 percent
interest. Partially offsetting these increases were decreased gas
deliveries due to warmer temperatures during the early part of 1997 and
reduced gas wholesale services revenues in 1997. The increase in earnings
for the twelve months ended September 30, 1997 compared to the same 1996
period reflects the favorable impact in all of the 1997 period of the
electric rate increase received in February 1996, increased electric
sales, the recognition of interest income from the related-party property
sale, increased revenues from the transmission of electricity for others,
and improved operating results from the MCV Facility. 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 of this
MD&A 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 $458 million for nine months
ended September 30, 1997 and 1996. 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 $277
million and $359 million for nine months ended September 30, 1997 and
1996, respectively. The cash was used primarily for capital expenditures.
In addition, Consumers received $50 million related to a repurchase of two
shares by CMS Enterprises of its preferred stock.

Financing Activities: Cash used in financing activities totaled $176
million and $101 million for nine months ended September 30, 1997 and
1996, respectively. The increase of $75 million in cash used reflects the
redemption of $120 million of preferred stock partially offset by a $57
million increase in notes payable and an additional $19 million of
proceeds from the issuance of Trust Preferred Securities.

Other Investing and Financing Matters: Consumers has FERC authorization
to: 1) issue or guarantee up to $900 million of short-term securities
through 1998; and 2) to issue $380 million of long-term securities with
maturities up to 30 years, for refinancing or refunding purposes, through
November 1998.

Consumers has an unsecured $425 million credit facility and unsecured
lines of credit aggregating $120 million that are available to finance
seasonal working capital requirements and pay for capital expenditures
between long-term financings. At September 30, 1997, the total amount
remaining available under these facilities was $156 million.

Consumers also has in place a $500 million trade receivables sale program.
At September 30, 1997, $250 million in receivables remained available for
sale under the program. For further information, see Note 4.

In October 1997, Consumers returned $50 million of paid in capital to
CMS Energy.


Electric Utility Results of Operations

Electric Pretax Operating Income:

In Millions
September 30 1997 1996 Change

Three months ended $132 $128 $ 4
Nine months ended 342 330 12
Twelve months ended 423 399 24

Electric pretax operating income for the three months ended September 30,
1997 compared to the same period for 1996 benefited from reduced operation
expenses, partially offset by higher depreciation and general taxes
resulting from increased investments in facilities and technology to serve
new customers. Electric pretax operating income for the nine and twelve
month periods ended September 30, 1997 benefited from the favorable impact
of increased electric sales, the entire period impact of an electric rate
increase received in February 1996 and reduced operation and maintenance
costs. The increases in the nine and twelve month periods were partly
offset by decreased revenues due to special contract discounts negotiated
with large industrial customers and higher depreciation and general taxes
expense. The following table quantifies these impacts on Pretax Operating
Income:

In Millions
Three Months Nine Months Twelve Months
Ended Sept. 30 Ended Sept. 30 Ended Sept. 30
Change Compared to Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996

Sales (including special
contract discounts) $ - $ 4 $ 8
Rate increases and other
regulatory issues 2 12 26
Operations and maintenance 9 8 3
General taxes, depreciation
and other (7) (12) (13)
---- ---- ----
Total change $ 4 $ 12 $ 24
==== ==== ====

Electric Sales: Total electric sales remained constant for the three
month periods ended September 30, 1997 and 1996 but increased for the nine
months ended (0.6 percent) and twelve months ended (2.0 percent) September
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 Nine Months Ended Twelve Months Ended
September 30 1997 1996 Change 1997 1996 Change 1997 1996 Change
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Residential 2.8 2.8 - 8.1 8.2 (0.1) 10.8 10.8 -
Commercial 2.7 2.7 - 7.6 7.5 0.1 10.1 9.8 0.3
Industrial 3.4 3.4 - 9.8 9.5 0.3 13.2 12.7 0.5
Other 0.9 0.9 - 2.3 2.5 (0.2) 3.1 3.2 (0.1)
---- ---- ---- ---- ---- ---- ---- ---- ----
Total Sales 9.8 9.8 - 27.8 27.7 0.1 37.2 36.5 0.7
==== ==== ==== ==== ==== ==== ==== ==== ====
</TABLE>

Power Costs:

In Millions
September 30 1997 1996 Change

Three months ended $ 296 $ 282 $ 14
Nine months ended 847 802 45
Twelve months ended 1,132 1,041 91


The cost increases for all periods ended September 30, 1997 reflect
increased power purchases from outside sources to meet the sales demand
and the accelerated amortization of nuclear fuel costs related to the
early closing of Big Rock.


Electric Utility Issues

Power Purchases from the MCV Partnership: 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 over its expected life
to generate electricity 90 percent of the time. However, for the first
nine months of 1997, the MCV Facility was available 98.9 percent of the
time, resulting in after-tax cash underrecoveries of $31 million. The
underrecovery shown in the table below has been revised to reflect the
anticipated availability of the MCV Facility for the year 1997. For
further information, see Power Purchases from the MCV Partnership in Note
2.

In Millions
1997 1998 1999 2000 2001

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

The amount of estimated underrecoveries of power costs continues to be
based, in part, on an estimate 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, losses will need to be recognized
for the amount of future underrecoveries in excess of 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 MCV
Facility operations.

Electric Rate Proceedings: In 1996, the MPSC issued a final order which
authorized Consumers to recover costs associated with the purchase of an
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. The order also
established an experimental 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 information on these issues,
see Notes 2 and 3 which are incorporated by reference herein.

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. In 1996, Consumers received an
interim Safety Evaluation Report from the NRC indicating that the reactor
vessel can be safely operated through 2003. 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.

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.

Big Rock closed permanently on August 29, 1997 because management
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 began 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. For further information on nuclear matters, see
Note 6 which is incorporated by reference herein.

Electric Environmental Matters: The Clean Air Act contains significant
environmental provisions specific to utilities. Consumers anticipates
that it will have incurred capital expenditures totaling $85 million by
the year 2000 in order to comply with the current nitrogen oxide emission
limits established by the EPA.

The Clean Air Act also contains national air quality standards. Consumers
currently operates within these standards and meets current ozone and
small particle related emission limits. The EPA recently revised these
standards to further limit small particle and ozone related emissions and
proposed that the State of Michigan impose additional nitrogen oxide
limits on fossil-fuel emitters, such as Consumers' generating units. The
preliminary estimate of costs to reduce ozone related emissions for
Consumers' fossil-fueled generating units is approximately $175 million.
A potentially equivalent amount may be needed to comply with the new small
particle standards. Consumers supports the bipartisan effort in Congress
to delay implementation of the revised standards until the relationship
between the new standards and health improvements is established.

Consumers is a so-called potentially responsible party at several
contaminated sites being administered under Superfund. There are many
other creditworthy potentially responsible parties with substantial assets
cooperating with respect to the individual sites. Based on current
information, management believes it is unlikely that Consumers' 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 these and other
environmental matters, see Electric Environmental Matters in Note 5 which
is incorporated by reference herein.

Other: In October 1997, two independent power producers filed a lawsuit
against Consumers and CMS Energy in a federal court. The suit alleges
antitrust violations relating to contracts which Consumers entered into
with some of its customers as well as claims relating to independent power
production projects. The plaintiffs claim damages of $100 million (which
can be trebled in antitrust cases as provided by law). The transactions
of which plaintiffs complain have been regulated by and subject to the
jurisdiction of the MPSC. Consumers believes the lawsuit is without merit
and will vigorously defend against it, but cannot predict the outcome of
this matter.


Gas Utility Results of Operations

Gas Pretax Operating Income:

In Millions
September 30 1997 1996 Change

Three months ended $ (1) $ - $ (1)
Nine months ended 100 116 (16)
Twelve months ended 142 158 (16)

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

In Millions
Three Months Nine Months Twelve Months
Change Compared to Ended Sept. 30 Ended Sept. 30 Ended Sept. 30
Prior Year 1997 vs 1996 1997 vs 1996 1997 vs 1996

Sales $ - $(15) $(19)
Gas wholesale and retail
services activities (2) (9) (5)
Operations and maintenance 1 11 12
General taxes, depreciation
and other - (3) (4)
---- ---- ----
Total change $(1) $(16) $(16)
==== ==== ====

Gas Deliveries: Total system deliveries, excluding transport to the MCV
Facility and other miscellaneous transportation, decreased 1.1 percent,
3.8 percent and 3.3 percent, for the three months, nine months and twelve
months ended September 30, 1997, respectively. The table below indicates
total deliveries and the impact of weather.


<TABLE>
<CAPTION>
In bcf
Three Months Ended Nine Months Ended Twelve Months Ended
September 30 1997 1996 Change 1997 1996 Change 1997 1996 Change

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>

Weather-adjusted deliveries 30 30 - 228 231 (3) 333 333 -
Impact of weather and leap year - - - 4 10 (6) 9 22 (13)
--- --- --- --- --- --- --- --- ---

System deliveries excluding
transport to MCV Facility 30 30 - 232 241 (9) 342 355 (13)
Transport to MCV Facility 17 16 1 49 49 - 65 62 3
Other Transportation 2 6 (4) 12 25 (13) 17 29 (12)
--- --- --- --- --- --- --- --- ---
Total deliveries 49 52 (3) 293 315 (22) 424 446 (22)
=== === === === === === === === ===
</TABLE>

Cost of Gas Sold:

In Millions
September 30 1997 1996 Change
Three months ended $ 39 $ 51 $ (12)
Nine months ended 472 504 (32)
Twelve months ended 718 742 (24)

The decrease in gas costs for the three months ended September 30, 1997
reflects lower gas prices during 1997. The decreases for the nine month
and twelve month periods ended September 30, 1997 were the result of
decreased 1997 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 in response to the customer's proposal to bypass
Consumers' system in favor of a competitive alternative. 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 claiming that the MPSC decision denies Consumers the
opportunity to earn its authorized rate of return and is therefore
unconstitutional. In October 1997, the Court of Appeals issued an opinion
affirming the MPSC's order. Consumers has sought rehearing of the Court
of Appeals opinion.

GCR Matters: In 1995, the MPSC issued an order favorable to Consumers'
position in a $44 million pricing dispute (excluding interest) between
Consumers and certain gas producers gas supply contracts. The court of
appeals has upheld the MPSC order and the producers have now appealed to
the Michigan Supreme Court. 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.

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.
Consumers estimates its costs related to investigation and remedial action
at $48 million to $98 million. This estimate is based on undiscounted
1997 costs. Any significant change in assumptions, such as remediation
technique, nature and extent of contamination and regulatory requirements,
could affect the estimate of investigation and 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 FERC and the MPSC) with respect to rates, proposed electric
industry restructuring, change in industry and rate structure, operation
of a nuclear power facility, 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 other
important factors. 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 $359 $370 $358
Nuclear fuel lease 14 28 31
Capital leases other than nuclear fuel 14 14 18
Michigan Gas Storage 3 3 3

$390 $415 $410

Electric utility operations (a) $270 $295 $295
Gas utility operations (a) 120 120 115

$390 $415 $410

(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

Growth: Consumers expects average annual growth of two and one-half
percent per year in electric system volume 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 another means by which retail service customers can satisfy their power
requirements.

Restructuring: 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 could 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 by regulatory decisions and 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 as
part of its phased introduction to competition.

FERC issued Orders 888 and 889, as amended on rehearing, requiring
utilities to provide open access to the interstate transmission grid for
wholesale transactions. Consumers has complied with several FERC
requirements contained in these orders; however, Consumers and Detroit
Edison disagree on the effect of the orders on the Michigan Electric Power
Coordination Center Pool. Consumers proposes to maintain the benefits of
the pool, while Detroit Edison seeks early termination. FERC is expected
to decide the question in 1998.

As part of ongoing proceedings relating to the restructuring of the
electric utility industry in Michigan, in June 1997 the MPSC issued an
order which proposed that Consumers would have to accept competing power
suppliers using its distribution and transmission facilities to serve
retail customers beginning January 1, 1998. By January 1, 2002, all
customers would be free to choose (that is, have direct access to) their
own power suppliers.

The order would allow utilities to recover prudently incurred Transition
Costs through a charge to all direct-access customers through the end of
the transition period in 2007. Further proceedings, as ordered by the
MPSC, later took place to address other features of the open access
programs being considered, including proposals to "true up" Transition
Cost charges for changes in sales and market prices of power purchase
capacity to the extent that they are different from estimates used for
calculating Transition Costs. The June order is subject to claims of
appeal filed with the Court of Appeals and a rehearing petition filed by
Consumers which questions whether the MPSC has the statutory authority to
mandate restructuring on an involuntary basis.

The June 1997 order further stated that Securitization may be a beneficial
mechanism for recovery of Transition Costs, but recognizes that state
legislation is required for Securitization to occur. Michigan legislative
consideration of the entire subject of electric industry restructuring
including Securitization is expected in early 1998. To be acceptable to
Consumers, the legislation would have to provide for full recovery of
Transition Costs. Rate reductions for customers could also be
accomplished if the legislation allowed a Securitization charge to be paid
by all customers over a period of 15 years (the expected term of the "rate
reduction bonds" to be issued as part of the Securitization process). The
legislature is expected to review all of the policy choices made by the
MPSC during the Restructuring proceedings to assure that they are in
accord with those which the legislature believes should be paramount.

Prior to legislative input, Consumers had estimated that it would recover
$1.9 billion (as revised in a June 1997 filing with the MPSC) of
Transition Costs through charges to direct-access customers. A separate
charge to direct-access customers would also recover costs of implementing
a direct-access program totaling an additional $200 million.

On October 29, 1997, the MPSC issued a series of orders relating to its
electric industry restructuring proceedings. The orders primarily
addressed issues involving the design of retail open access tariffs, the
true-up mechanism in connection with the recovery of stranded costs,
suspension of the power supply cost recovery clauses and freezing of power
supply costs, and performance-based rate-making.

The orders were not completely definitive. A number of matters need to be
clarified or supplemented by further MPSC hearings, orders or in
subsequent legislation before any open access program allowing customers
choice of power suppliers with the scope contained in those orders could
be accepted voluntarily by Consumers. Accordingly, Consumers has filed a
petition for rehearing, reconsideration and clarification raising all of
the issues which must be satisfactorily addressed before it could agree.
For further information on Application of SFAS 71, see below.

Application of SFAS 71: Consumers 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 the generation, transmission and distribution operations of its
business 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 the
generation segment of Consumers' business. 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. In accordance with recently
published Emerging Issues Task Force Issue 97-4, Deregulation of the
Pricing of Electricity - Issues Related to the Application of FASB
Statements No. 71 and 101, Consumers can continue to carry its generation-
related regulatory assets or liabilities as long as there is deregulatory
legislation or an MPSC rate order which allows the collection of regulated
cash flows to recover these specific costs or settle obligations. As a
result, the generation portion of net regulatory assets are to be
maintained by the regulated portion of the business until they are
collected, they are impaired, or until the regulated portion of the
business becomes deregulated. Based on a current evaluation of the
various factors and conditions that are expected to affect future cost
recovery, Consumers believes that even if it was to discontinue
application of SFAS 71 for the generation segment of its business, its
regulatory assets, including those related to generation, are probable of
future recovery from the regulated portion of the business.

Gas Outlook

Growth: 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 further increase load. 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 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.

Gas Orders: 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
distribution facilities. 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 through March 1999; expected customer interest is unknown at
this time.

Application of SFAS 71: 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. Also in
1997, the Emerging Issues Task Force published Issue 97-4, Deregulation of
the Pricing of Electricity - Issues Related to the Application of FASB
Statements No. 71 and 101. The consensus reached in this issue allows for
regulatory assets and liabilities to be maintained for a portion of a
business which is being deregulated as long as there is deregulatory
legislation or a commission rate order which allows the collection of
regulated cash flows to recover costs or settle obligations. These
regulatory assets and liabilities are maintained by the regulated portion
of a business until they are collected or settled, they are impaired, or
until the regulated portion of the business becomes deregulated.
Consumers does not expect the application of these statements to have a
material effect on its financial position, liquidity or results of
operations.

Computer Modifications for Year 2000: Consumers utilizes software and
related technologies throughout its business which will be affected by the
year 2000 date change. In 1995, Consumers began to modify its computer
software systems to process year 2000 date transactions. Anticipated
spending for these modifications will be expensed as incurred, while the
costs for new software will be capitalized and amortized over the
software's useful life. Consumers does not expect that the cost of these
modifications will have a material effect on its financial position,
liquidity or results of operations.
(This page intentionally left blank)
49

<TABLE>
Consumers Energy Company
Consolidated Statements of Income
(Unaudited)
<CAPTION>
Three Months Ended Nine Months Ended Twelve Months Ended
September 30 1997 1996 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C> <C> <C>
Operating Revenue
Electric $ 670 $ 655 $1,888 $1,827 $2,507 $2,381
Gas 110 123 828 880 1,230 1,274
Other 19 20 39 33 49 41
------ ------ ------ ------ ------ ------
799 798 2,755 2,740 3,786 3,696
------ ------ ------ ------ ------ ------
Operating Expenses
Operation
Fuel for electric generation 80 76 220 219 297 294
Purchased power - related parties 151 150 447 436 600 558
Purchased and interchange power 65 56 180 147 235 189
Cost of gas sold 39 51 472 504 718 742
Other 144 151 404 424 566 591
------ ------ ------ ------ ------ ------
479 484 1,723 1,730 2,416 2,374
Maintenance 38 41 119 117 176 164
Depreciation, depletion and
amortization 88 83 286 273 384 369
General taxes 45 43 148 141 198 192
------ ------ ------ ------ ------ ------
650 651 2,276 2,261 3,174 3,099
------ ------ ------ ------ ------ ------
Pretax Operating Income (Loss)
Electric 132 128 342 330 423 399
Gas (1) - 100 116 142 158
Other 18 19 37 33 47 40
------ ------ ------ ------ ------ ------
149 147 479 479 612 597
------ ------ ------ ------ ------ ------
Other Income (Deductions)
Interest and dividends from
affiliates 11 4 20 13 24 17
Accretion income 2 2 6 7 8 10
Accretion expense (4) (7) (13) (21) (14) (28)
Other, net 1 - 1 1 (3) 1
------ ------ ------ ------ ------ ------
10 (1) 14 - 15 -
------ ------ ------ ------ ------ ------
Interest Charges
Interest on long-term debt 34 34 103 104 138 139
Other interest 9 8 25 22 33 33
Capitalized interest - -- - (2) - (3)
------ ------ ------ ------ ------ ------
43 42 128 124 171 169
------ ------ ------ ------ ------ ------
Net Income Before Income Taxes 116 104 365 355 456 428

Income Taxes 36 35 126 125 151 145

Net Income 80 69 239 230 305 283

Preferred Stock Dividends 6 7 20 21 27 28

Trust Preferred Securities
Distributions 3 2 7 6 9 6
------ ------ ------ ------ ------ ------
Net Income Available to
Common Stockholder $ 71 $ 60 $ 212 $ 203 $ 269 $ 249
====== ====== ====== ====== ====== ======
<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>
Nine Months Ended Twelve Months Ended
September 30 1997 1996 1997 1996
In Millions
<S> <C> <C> <C> <C>
Cash Flows from Operating Activities
Net income $ 239 $ 230 $ 305 $ 283
Adjustments to reconcile net income to net cash
provided by operating activities
Depreciation, depletion and amortization
(includes nuclear decommissioning of
$37, $37, $49 and $49, respectively) 286 273 384 369
Capital lease and other amortization 35 32 42 44
Deferred income taxes and investment tax credit 11 27 32 32
Accretion expense 13 21 14 28
Accretion income - abandoned Midland project (6) (7) (8) (10)
Undistributed earnings of related parties (35) (30) (45) (39)
Power purchases (47) (43) (67) (78)
Other 4 4 4 5
Changes in other assets and liabilities (42) (49) 9 148
----- ----- ----- -----
Net cash provided by operating activities 458 458 670 782
----- ----- ----- -----
Cash Flows from Investing Activities
Capital expenditures (excludes assets placed
under capital lease) (260) (298) (371) (434)
Investments in nuclear decommissioning trust funds (37) (37) (49) (49)
Cost to retire property, net (26) (20) (37) (34)
Associated company preferred stock redemption 50 - 50 -
Other (4) (4) (4) (6)
----- ----- ----- -----
Net cash used in investing activities (277) (359) (411) (523)
----- ----- ----- -----
Cash Flows from Financing Activities
Retirement of preferred stock (120) - (120) -
Payment of common stock dividends (113) (114) (199) (114)
Retirement of bonds and other long-term debt (51) (37) (51) (37)
Payment of capital lease obligations (34) (32) (42) (43)
Payment of preferred stock dividends (23) (21) (29) (28)
Trust Preferred Securities distributions (7) (6) (9) (6)
Proceeds from Trust Preferred Securities 116 97 116 97
Increase (decrease) in notes payable, net 56 (1) 49 (134)
Contribution from stockholder - 13 - 13
Proceeds from bank loans - - 23 -
----- ----- ----- -----
Net cash used in financing activities (176) (101) (262) (252)
----- ----- ----- -----
Net Increase (Decrease) in Cash and Temporary Cash Investments 5 (2) (3) 7

Cash and Temporary Cash Investments, Beginning of Period 4 14 12 5
----- ----- ----- -----
Cash and Temporary Cash Investments, End of Period $ 9 $ 12 $ 9 $ 12
===== ===== ===== =====
<FN>
The accompanying condensed notes are an integral part of these statements.


</TABLE>
51

<TABLE>
Consumers Energy Company
Consolidated Balance Sheets
<CAPTION>
ASSETS September 30 September 30
1997 December 31 1996
(Unaudited) 1996 (Unaudited)
In Millions
<S> <C> <C> <C>
Plant (At original cost)
Electric $6,447 $6,333 $6,286
Gas 2,292 2,203 2,268
Other 25 26 25
------ ------ ------
8,764 8,562 8,579
Less accumulated depreciation,
depletion and amortization 4,540 4,269 4,354
------ ------ ------
4,224 4,293 4,225
Construction work-in-progress 146 158 194
------ ------ ------
4,370 4,451 4,419
------ ------ ------
Investments
Stock of affiliates 258 298 338
First Midland Limited Partnership (Note 2) 239 232 230
Midland Cogeneration Venture Limited
Partnership (Note 2) 163 134 127
Other 7 8 8
------ ------ ------
667 672 703
------ ------ ------
Current Assets
Cash and temporary cash investments at cost,
which approximates market 9 4 12
Accounts receivable and accrued revenue, less
allowances of $6, $10 and $2, respectively (Note 4) 47 148 64
Accounts receivable - related parties 87 63 27
Inventories at average cost
Gas in underground storage 253 186 250
Materials and supplies 69 68 71
Generating plant fuel stock 26 30 28
Postretirement benefits 25 25 25
Deferred income taxes 9 27 21
Prepayments and other 51 183 81
------ ------ ------
576 734 579
------ ------ ------
Non-current Assets
Nuclear decommissioning trust funds 478 386 360
Postretirement benefits 411 435 442
Abandoned Midland Project 98 113 117
Other 238 234 278
------ ------ ------
1,225 1,168 1,197
------ ------ ------
Total Assets $6,838 $7,025 $6,898
====== ====== ======
</TABLE>
<TABLE>



<CAPTION>
STOCKHOLDERS' INVESTMENT AND LIABILITIES September 30 September 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 502 504 504
Revaluation capital 45 37 30
Retained earnings since December 31, 1992 396 297 326
------ ------ ------
1,784 1,679 1,701
Preferred stock 238 356 356
Company-obligated mandatorily redeemable
Trust Preferred Securities of:
Consumers Power Company Financing I (a) 100 100 100
Consumers Energy Company Financing II (a) 120 - -
Long-term debt 1,462 1,900 1,876
Non-current portion of capital leases 82 100 89
------ ------ ------
3,786 4,135 4,122
------ ------ ------
Current Liabilities
Current portion of long-term debt and
capital leases 483 98 97
Notes payable 389 333 340
Accounts payable 140 212 161
Accounts payable - related parties 75 68 65
Accrued taxes 97 211 96
Power purchases (Note 2) 47 47 90
Accrued interest 25 33 28
Accrued refunds 7 8 23
Other 139 176 173
------ ------ ------
1,402 1,186 1,073
------ ------ ------
Non-current Liabilities
Deferred income taxes 630 646 618
Postretirement benefits 495 500 509
Deferred investment tax credit 152 159 162
Power purchases (Note 2) 144 178 197
Regulatory liabilities for income taxes, net 86 66 61
Other 143 155 156
------ ------ ------
1,650 1,704 1,703
------ ------ ------
Commitments and Contingencies (Notes 2, 3, 5 and 6)

Total Stockholders' Investment and Liabilities $6,838 $7,025 $6,898
====== ====== ======
<FN>
(a) 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 primary asset of Consumers Energy Company Financing II is $124 million
principal amount of 8.20% subordinated interest notes due 2027 from Consumers. For further discussion, see Note 4.
The accompanying condensed notes are an integral part of these statements.

</TABLE>
53

<TABLE>
Consumers Energy Company
Consolidated Statements of Common Stockholder's Equity
(Unaudited)
<CAPTION>
Three Months Ended Nine Months Ended Twelve Months Ended
September 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
Preferred stock reacquired (2) - (2) - (2) -
Stockholder's contribution - - - 13 - 13
------- ------- ------- ------- ------- -------
At end of period 502 504 502 504 502 504
------- ------- ------- ------- ------- -------
Revaluation Capital
At beginning of period 41 31 37 29 30 22
Change in unrealized
investment - gain (loss) 4 (1) 8 1 15 8
------- ------- ------- ------- ------- -------
At end of period 45 30 45 30 45 30
------- ------- ------- ------- ------- -------
Retained Earnings
At beginning of period 368 305 297 237 326 191
Net income 80 69 239 230 305 283
Common stock dividends declared (43) (39) (113) (114) (199) (114)
Preferred stock dividends declared (6) (7) (20) (21) (27) (28)
Trust Preferred Securities
distributions (3) (2) (7) (6) (9) (6)
------- ------- ------- ------- ------- -------
At end of period 396 326 396 326 396 326
------- ------- ------- ------- ------- -------
Total Common Stockholder's Equity $1,784 $1,701 $1,784 $1,701 $1,784 $1,701
======= ======= ======= ======= ======= =======
<FN>
The accompanying condensed notes are an integral part of these statements.

</TABLE>
54


Consumers Energy Company
Condensed Notes to Consolidated Financial Statements


These Consolidated 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 which 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 Nine Months Ended Twelve Months Ended
September 30 1997 1996 1997 1996 1997 1996
<S> <C> <C> <C> <C> <C> <C>
Pretax operating income $18 $19 $36 $31 $45 $38
Income taxes and other 6 6 11 9 13 11
--- --- --- --- --- ---
Net income $12 $13 $25 $22 $32 $27
=== === === === === ===
</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 incrementally 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 recognized a loss in 1992 for the present value of the estimated
future underrecoveries of power costs under the PPA. At September 30,
1997 and December 31, 1996, the after-tax present value of the PPA
liability totaled $124 million and $147 million, respectively. The
reduction in the liability since December 31, 1996 reflects after-tax cash
underrecoveries of $31 million partially offset by after-tax accretion
expense of $8 million. The undiscounted after-tax amount associated with
the liability totaled $506 million at September 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 over its
expected life to generate electricity 90 percent of the time. However,
for the first nine months of 1997 the MCV Facility was available 98.9
percent of the time, resulting in the $31 million of after-tax cash
underrecoveries. The underrecovery shown in the table below has been
revised to reflect the anticipated availability of the MCV Facility for
the year 1997.

In Millions
1997 1998 1999 2000 2001

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

The amount of estimated underrecoveries of power costs continues to be
based, in part, on an estimate 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, losses will need to be recognized
for the amount of future underrecoveries in excess of 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 MCV
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 decision. The MCV Partnership filed an
application for leave to appeal with the Michigan Supreme Court.


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 load, of which 410 MW have already been
filled by existing contracts. An additional 140 MW of load 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 fourth 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. In September 1997, the MPSC further authorized
Consumers to collect $13 million from electric customers through a one-
time surcharge pertaining to the 1995 PSCR reconciliation.

Electric Restructuring: As part of ongoing proceedings relating to the
restructuring of the electric utility industry in Michigan, in June 1997
the MPSC issued an order which proposed that Consumers would have to
accept competing power suppliers using its distribution and transmission
facilities to serve retail customers beginning January 1, 1998. By
January 1, 2002, all customers would be free to choose (that is, have
direct access to) their own power suppliers.

The order would allow utilities to recover prudently incurred Transition
Costs through a charge to all direct-access customers through the end of
the transition period in 2007. Further proceedings, as ordered by the
MPSC, later took place to address other features of the open access
programs being considered, including proposals to "true up" Transition
Cost charges for changes in sales and market prices of power purchase
capacity to the extent that they are different from estimates used for
calculating Transition Costs. The June order is subject to claims of
appeal filed with the Court of Appeals and a rehearing petition filed by
Consumers which questions whether the MPSC has the statutory authority to
mandate restructuring on an involuntary basis.

The June 1997 order further stated that Securitization may be a beneficial
mechanism for recovery of Transition Costs, but recognizes that state
legislation is required for Securitization to occur. Michigan legislative
consideration of the entire subject of electric industry restructuring
including Securitization is expected in early 1998. To be acceptable to
Consumers, the legislation would have to provide for full recovery of
Transition Costs. Rate reductions for customers could also be
accomplished if the legislation allowed a Securitization charge to be paid
by all customers over a period of 15 years (the expected term of the "rate
reduction bonds" to be issued as part of the Securitization process). The
legislature is expected to review all of the policy choices made by the
MPSC during the Restructuring proceedings to assure that they are in
accord with those which the legislature believes should be paramount.

Prior to legislative input, Consumers had estimated that it would recover
$1.9 billion (as revised in a June 1997 filing with the MPSC) of
Transition Costs through charges to direct-access customers. A separate
charge to direct-access customers would also recover costs of implementing
a direct-access program totaling an additional $200 million.

On October 29, 1997, the MPSC issued a series of orders relating to its
electric industry restructuring proceedings. The orders primarily
addressed issues involving the design of retail open access tariffs, the
true-up mechanism in connection with the recovery of stranded costs,
suspension of the power supply cost recovery clauses and freezing of power
supply costs, and performance-based rate-making.

The orders were not completely definitive. A number of matters need to be
clarified or supplemented by further MPSC hearings, orders or in
subsequent legislation before any open access program allowing customers
choice of power suppliers with the scope contained in those orders could
be accepted voluntarily by Consumers. Accordingly, Consumers has filed a
petition for rehearing, reconsideration and clarification raising all of
the issues which must be satisfactorily addressed before it could agree.
For further information on Application of SFAS 71, see Electric Outlook in
the MD&A.

Gas Proceedings: In the GCR reconciliation proceeding for the period
April 1995 through March 1996, the MPSC staff questioned 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. In
August 1997, the MPSC ruled that the gas loaning program was not the same
as the storage service and, therefore, that gas loaning revenue was not
subject to refund.

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
which began April 1997. Out of the 40,000 eligible customers, only 500
volunteered to participate in the program. For those program
participants, Consumers will retain its role as transporter and
distributor of the customers' gas.

In 1995, the MPSC issued an order regarding a $44 million (excluding
interest) gas supply contract pricing dispute between Consumers and
certain gas 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, and
the Court of Appeals upheld the MPSC order. The producers have appealed
to the Michigan Supreme Court. 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: 1) issue or guarantee up to $900
million of short-term securities through 1998; and 2) to issue $380
million of long-term securities with maturities up to 30 years, for
refinancing or refunding purposes, through November 1998.

Consumers has an unsecured $425 million credit facility and unsecured
lines of credit aggregating $120 million that are available to finance
seasonal working capital requirements and pay for capital expenditures
between long-term financings. At September 30, 1997, a total of $389
million was outstanding at a weighted average interest rate of 6.2
percent, compared with $340 million outstanding at September 30, 1996, at
a weighted average interest rate of 6.0 percent.

Consumers also has in place a $500 million trade receivables sale program.
At September 30, 1997 and 1996, receivables sold under the program totaled
$250 million and $210 million, respectively. Accounts receivable and
accrued revenue in the Consolidated Balance Sheets have been reduced to
reflect receivables sold.

Consumers has entered into interest rate swap agreements (derivatives) to
exchange variable rate interest payment obligations for fixed rate
obligations in order to reduce the impact of interest rate fluctuations.
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. The hedged amounts are used to
measure interest to be paid or received and do not represent the amount of
exposure to principal loss. The hedged amount of Consumers' interest rate
swaps was $416 million at September 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.

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.

In 1996, 4 million shares of 8.36 percent Trust Preferred Securities were
issued and sold through Consumers Power Company Financing I, a wholley
owned business trust consolidated with Consumers. Net proceeds from the
sale totaled $97 million. In September 1997, 4.8 million shares of 8.20
percent Trust Preferred Securities were issued and sold through Consumers
Energy Company Financing II, a wholley owned business trust consolidated
with Consumers. Net proceeds from the sale totaled $116 million. Both
trusts were formed for the sole purpose of issuing the Trust Preferred
Securities. Consumers' obligations with respect to the Trust Preferred
Securities under the notes, under the indenture under which the notes have
been issued, under Consumers' guarantee of the Trust Preferred Securities,
and under the declaration by the trust, taken together, constitute a full
and unconditional guarantee by Consumers of the trusts' obligations under
the Trust Preferred Securities. For additional information, see footnote
(a) to the Consolidated Balance Sheets.

In September 1997, Consumers redeemed all outstanding shares of its $7.45,
$7.68, $7.72 and $7.76 preferred stock for $120 million.

Under the provisions of its Articles of Incorporation at September 30,
1997, Consumers had $365 million of unrestricted retained earnings
available to pay common dividends. In October 1997, Consumers declared a
$57 million common dividend to be paid in November 1997.

In October 1997, Consumers returned $50 million of paid in capital to
CMS Energy.


5: Commitments and Contingencies

Electric Environmental Matters: The Clean Air Act limits emissions of
sulfur dioxide and nitrogen oxides and requires 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. In its effort to comply with the Act,
Consumers has already made 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. Consumers currently 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 further limit small particle and ozone related
emissions. Consumers supports the bipartisan 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 has considered recommendations from the Ozone
Transport Assessment Group and petitions from several Northeastern states
to reduce ozone transport across state lines. On October 10, 1997, the
EPA proposed that the State of Michigan impose additional nitrogen oxide
limits on fossil-fuel emitters, such as Consumers' generating units, so as
to reduce statewide nitrogen oxide emissions by 32 percent, as early as
2002. The State of Michigan will have one year to review and challenge
the proposed recommendations, and one year thereafter to implement final
requirements.

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.

Consumers is a so-called potentially responsible party at several
contaminated sites being administered under Superfund. Superfund
liability is joint and several and, along with Consumers, there are many
other creditworthy 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 Superfund sites will be between $2 million and $9 million.
At September 30, 1997, Consumers has accrued $2 million for its estimated
Superfund liability.

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.

Gas Environmental Matters: 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 September 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.

Capital Expenditures: Consumers estimates capital expenditures, including
new lease commitments, of $390 million for 1997, $415 million for 1998 and
$410 million for 1999. For further information, see Capital Expenditures
in Forward-Looking Information in the MD&A.

Other: In October 1997, two independent power producers filed a lawsuit
against Consumers and CMS Energy in a federal court. The suit alleges
antitrust violations relating to contracts which Consumers entered into
with some of its customers as well as claims relating to independent power
production projects. The plaintiffs claim damages of $100 million (which
can be trebled in antitrust cases as provided by law). The transactions
of which plaintiffs complain have been regulated by and subject to the
jurisdiction of the MPSC. Consumers believes the lawsuit is without merit
and will vigorously defend against it, but cannot predict the outcome of
this matter.

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 adverse 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 five additional casks at Palisades in
1999 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 closed permanently on August 29, 1997 because management
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 began 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 Consolidated Statements 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
Nine Months Ended Twelve Months Ended
September 30 1997 1996 1997 1996

Cash transactions
Interest paid
(net of amounts capitalized) $129 $122 $164 $159
Income taxes paid
(net of refunds) 122 105 135 76

Non-cash transactions
Nuclear fuel placed under
capital lease $ 4 $ 8 $ 24 $ 10
Other assets placed under
capital leases 5 2 6 4
Capital leases refinanced - - - 21
61


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 September 30, 1997 and
1996, the related consolidated statements of income and common
stockholder's equity for the three-month, nine-month and twelve-month
periods then ended, and the related consolidated statements of cash flows
for the nine-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,
November 10, 1997.
62

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 Forms 10-Q for the quarters
ended March 31, 1997 and June 30, 1997. Reference is made to the Notes to
the Consolidated Financial Statements included herein for additional
information regarding various pending administrative and judicial
proceedings involving rate, operating and environmental matters.

CONSUMERS STRAY VOLTAGE LITIGATION

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 September 30, 1997,
Consumers had 16 separate stray voltage cases awaiting action at the trial
court level and the number pending has subsequently decreased to 9.
Accordingly, CMS Energy and Consumers believe that the resolution of
remaining lawsuits will not have a material impact on either company.
Absent presently unanticipated further developments, stray voltage
litigation will not be disclosed in future SEC filings.

CMS ENERGY AND CONSUMERS ANTITRUST LITIGATION

In October 1997, Indeck Energy Services, Inc. and Indeck Saginaw Limited
Partnership, independent power producers, filed a lawsuit against
CMS Energy and Consumers in the United States District Court for the
Eastern District of Michigan. The suit alleges antitrust violations
relating to contracts that Consumers entered into with some of its
customers as well as claims relating to independent power production
projects. The plaintiffs claim damages of $100 million (which can be
trebled in antitrust cases as provided by law). The transactions of which
plaintiffs complain have been regulated by and subject to the jurisdiction
of the MPSC. CMS Energy and Consumers presently believe the lawsuit is
entirely without merit and will vigorously defend against it, but cannot
predict the outcome of this matter.


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

(a) List of Exhibits

(4)(a) - Consumers: Second Supplemental Indenture dated as of
September 4, 1997 between Consumers and
The Bank of New York, as Trustee
(4)(b) - CMS Energy: Fifth Supplemental Indenture dated as of
November 4, 1997, between CMS Energy and
NBD Bank, as Trustee
(12) - CMS Energy: Statements regarding computation of Ratio
of Earnings to Fixed Charges
(15) - CMS Energy: Letter of Independent Public Accountant
(27)(a) - CMS Energy: Financial Data Schedule
(27)(b) - Consumers: Financial Data Schedule
(99) - CMS Energy: Consumers Gas Group Financials

(b) Reports on Form 8-K

Current Reports on Form 8-K dated August 21, 1997 were filed by each of
CMS Energy and Consumers covering matters pursuant to "Item 5. Other
Events."
64


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



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


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