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Notes Receivable | 12 Months Ended
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Dec. 31, 2011
Notes Receivable [Abstract] |
Notes Receivable | 11: NOTES RECEIVABLE EnerBank provides unsecured consumer installment loans for financing home improvements. These loans totaled $480 million, net of an allowance for loan losses of $5 million, at December 31, 2011, and $386 million, net of an allowance for loan losses of $5 million, at December 31, 2010. At December 31, 2011, $19 million of EnerBank's loans were classified as current notes receivable and $461 million were classified as non-current notes receivable on CMS Energy's consolidated balance sheets. At December 31, 2010, $11 million of EnerBank's loans were classified as current notes receivable and $375 million were classified as non-current notes receivable on CMS Energy's consolidated balance sheets. The allowance for loan losses is a valuation allowance to reflect estimated credit losses. The allowance is increased by the provision for loan losses and decreased by loan charge-offs net of recoveries. Management estimates the allowance balance required by taking into consideration historical loan loss experience, the nature and volume of the portfolio, economic conditions, and other factors. Loan losses are charged against the allowance when the loss is confirmed, but no later than the point at which a loan becomes 120 days past due. Presented in the following table are the changes in the allowance for loan losses: In Millions
Year ended December 31, 2011 |  |  |  |
Balance at beginning of period |  | $ | 5 |
Charge-offs |  |  | (5 | )
Recoveries |  |  | 1 |
Provision for loan losses |  |  | 4 |
Balance at end of period |  | $ | 5 |
Loans that are 30 days or more past due are considered delinquent. Presented in the following table is the delinquency status of EnerBank's consumer loans at December 31, 2011: In Millions
Past Due 30-59 Days |  |  | Past Due 60-89 Days |  |  |  | Past Due Over 90 Days |  |  |  | Total Delinquent |  |  |  | Current |  |  |  | Total Outstanding |
$ 1 |  | $ | - |  |  | $ | 1 |  |  | $ | 2 |  |  | $ | 478 |  |  | $ | 480 |
At December 31, 2011, $1 million of EnerBank's loans had been modified as troubled debt restructurings.

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- Definition The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=6951925&loc=SL6953791-111525 + Details
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