Quarterlytics / Basic Materials / Paper, Lumber & Forest Products / Glatfelter

Glatfelter

glt · NYSE Basic Materials
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Ticker glt
Exchange NYSE
Sector Basic Materials
Industry Paper, Lumber & Forest Products
Employees 1001-5000
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FY2004 Annual Report · Glatfelter
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I N T E R N AT I O N A L  
O P E R AT I N G  
LO C AT I O N S

Gernsbach Facility
Hördner Landstraße 3-7
76593 Gernsbach, Germany
ph: 49-7224-66-0
fax: 49-7224-66-274

Scaër Facility
BP 2
29390 Scaër, France
ph: 33-0-2-98-66-42-00
fax: 33-2-98-59-0998

Lanao del Norte Facility
Bo. Maria Cristina
9217 Balo-I, Lanao del Norte
Philippines
ph: 632-893-7640
fax: 632-893-2819

OT H E R   LO C AT I O N S

China Representative Office 
Century Financial Tower, 8F808
No 1 Suhua Road
Suzhou-SIP, Jiangsu 215021
ph: 86-512-676-25077  
fax: 86-512-676-25070

S A L E S   O F F I C E S

Pennsylvania
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-5400

New Jersey
1085 Morris Avenue, 2nd Floor
Union, NJ 07083
ph: 908-289-6644
ph: 212-752-3560
fax: 908-289-1393

Wisconsin
225 W. Wisconsin Avenue
Neenah, WI 54956
ph: 920-727-2200
fax: 920-727-2305

North Carolina
One King Road
Pisgah Forest, NC 28768
ph: 828-877-2110
fax: 828-877-4086

Gernsbach, Germany
Hördner Landstraße 3-7
76593 Gernsbach, Germany
ph: 49-7224-66-0
fax: 49-7224-66-274

U . S .  O P E R AT I N G  
LO C AT I O N S

Spring Grove Facility
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-6834

Neenah Facility
225 W. Wisconsin Avenue
Neenah, WI 54956
ph: 920-727-2200
fax: 920-727-2600

Glatfelter
Pulp Wood Company
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-2850

2004 ANNUAL REPORT

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3/23/05   9:38:02 AM

©2005 Glatfelter

O U R   B U S I N E S S

Headquartered in York, Pennsylvania, Glatfelter is a global 
manufacturer of specialty papers and engineered products.   
U.S. operations include facilities in Spring Grove, Pennsylvania, 
and Neenah, Wisconsin.  International operations include 
facilities in Germany, France and the Philippines.

Our products are marketed worldwide either through wholesale 
paper merchants, brokers and agents, or direct to customers.  
The company’s common stock is traded on the New York Stock 
Exchange under the symbol GLT.

L o n g   F i b e r   &   O v e r l a y   P a p e r s

Fo o d   a n d   B e v e r a g e

• Tea bag papers
• Coffee pods/pads and filters
• Food casing papers

C o m p o s i t e   L a m i n a t e s

• Laminate counter tops
• Laminate furniture
• Laminate flooring

Te c h n i c a l   S p e c i a l t i e s

• Stencil papers
• Wet wipe tissues
• Adhesive tapes
• Battery pasting papers
• Cryogenics
• Vacuum bags
• Specialty non-wovens

M e t a l l i z e d   P r o d u c t s

• Holographic labels & wrap
• Glue-applied beverage labels
• Gift wrap

S p e c i a l t y   P a p e r s

D i g i t a l   I m a g i n g

• Point of purchase displays
• Photo reproductions
• Posters/Banners
• Boarding passes
• Concert tickets
• Engineered drawings
• Apparel tags

C a s t i n g   a n d   S p e c i a l t y   R e l e a s e

• Reflective signage
• Fleet graphics
• Simulated leather
• Iron-on transfers
• Vinyl films & foams
• Gasketing
• Adhesive tape

P r e s s u r e   S e n s i t i v e

• Postage stamps
• Stamp liners
• Peel & stick labels

I n d u s t r i a l   S p e c i a l t i e s

• Disposable surgical gowns & wipes
• Fluorescent board & tabs
• Playing cards
• Greeting cards

B o o k   P u b l i s h i n g   P r o d u c t s

• Trade books

Best sellers 
Book clubs
Business and professional

• Textbooks

Elementary to high school & college
Computer software instruction books

• Ancillary materials

Student workbooks
Teacher’s guides

C o n v e r t i n g   P a p e r s

• Envelopes
• High-end retail shopping bags
• Drawing & art papers
• China markers

L i g h t w e i g h t   P r i n t i n g   P a p e r s

• Financial publications
• Pharmaceutical inserts
• Legal publications

annual_report_2004_d.indd   6

3/23/05   12:42:16 PM

 
 
 
 
 
 
 
L E T T E R  T O   O U R  
S H A R E H O L D E R S

George H. Glatfelter II
Chairman and  
Chief Executive Officer

D e a r   F e l l o w   S h a r e h o l d e r,

There is one word that best describes our performance in 2004:  
Turnaround.  

As the year commenced, we got off to a slow start as the 
industry was battered by unfavorable market conditions.  
But during the second quarter, we gained momentum that 
accelerated throughout the year.  To be sure, Glatfelter benefited 
from economic conditions that brightened in the second half.  
However, the story of this Company in 2004 had far less to do 
with a cyclical upswing in the paper industry than with the 
resolve of Glatfelter employees to “look through” the cycle and 
address a number of foundational issues that had challenged 
our business for some time.

To understand our commitment to focused strategic change, I 
will reference my closing comments in last year’s Annual Report: 
“I don’t know what 2004 has in store for our company, but I 
can assure you that we will be doing business differently.  Our 
employees and I realize that we cannot simply brush off the 
2003 performance of this company with excuses about our 
business environment.  We need to generate financial results 
that justify the confidence that you have placed in us.  This is 
what we intend to do.”

Good companies do what they say.  It’s called execution.  In the 
paragraphs that follow, I will revisit the pledges we made in 
our 2003 Annual Report and you can judge our performance 
accordingly.  

“ We   i n t e n d   t o   c h a n g e   t h e   w a y    
  t h e   b u s i n e s s   o p e r a t e s   i n   o r d e r   t o    
  a c h i e v e   s u b s t a n t i a l ,  s u s t a i n a b l e    
i m p r o v e m e n t s   i n   p r o f i t a b i l i t y. ”

We recognized the competitive challenges of today’s global 
business environment and we confronted them head on.  We 
condensed the energies of the entire organization into two 
“Focus Points” for 2004-05: (1) the restructuring of our North 
American operations, and (2) revenue growth from our Long 
Fiber and Overlay business.  These two goals mattered most in 
2004; and they will continue to be critical to our performance 
in 2005.

In North America, we took a critical look at the contributions of 
our asset base.  As a result, we initiated a plan to generate $8 
million of financial improvements from our Neenah, Wisconsin, 
facility.  This plan involved the closure of non-core assets and the 
reduction of nearly 50% of the workforce.  

We coupled this effort with a sweeping and innovative 
restructuring project at our Spring Grove, Pennsylvania, facility 
and a focus on growing in our higher-value, niche markets in 
North America.  This was designed to generate $15 million to 
$20 million in annual financial improvements beginning in 
2006.  Using an Interest-Based Bargaining process, local union 
leadership and P.A.C.E.  International worked creatively with 
management to find ways to achieve our targets.  We embraced 
collaboration instead of confrontation, and started with a “clean 
sheet” approach to redesign job responsibilities across the 
facility.  Some positions were eliminated.  Some were combined.  
Jobs that were not critical to operations were outsourced.  
Work rules were redesigned.  And an early retirement plan was 
developed to aid in workforce transition.  The organizational 
redesign effort led to a 20% reduction in the mill’s hourly 
workforce without any decline in production volume or quality.  
The changes were incorporated in a new collective bargaining 
agreement ratified by 85% of the voting membership.  In 
addition, we eliminated approximately 25 salaried positions 
at the facility.  Collectively, the Neenah and Spring Grove 
reductions have reduced our North American workforce by 27% 
since 2003.

We also took a hard look at our overhead (SG&A) in the North 
American-based operations and cut it by $2.0 million in 2004.  
More reductions are expected in 2005.  

These were tough decisions that we executed well.  We are 
serious about cost control.  As 2005 begins, we are ahead of 
schedule in meeting our North American restructuring targets.  
Meaningful financial benefits are beginning to accrue and 
should be fully realized in 2006.

2

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3/23/05   12:42:16 PM

 
In Europe, we combined cost reduction efforts with an 
aggressive plan to grow revenue in the Company’s Long 
Fiber and Overlay Papers markets.  The objective:  leverage 
new technology at our Gernsbach, Germany facility to grow 
volumes of tea and coffee filter paper and overlay papers for 
the decorative laminate industry.  Marketing alliances were 
established to serve high-growth specialty paper opportunities, 
and the opening of a Chinese office expanded our presence in 
the booming Asian market.  

These initiatives are generating results.  In 2004, revenue from 
the Long Fiber and Overlay Business Unit grew by 24%, and we 
remain optimistic about the growth characteristics of these 
markets.

Finally, to more effectively manage our North American business, 
we combined the Printing and Converting and Engineered 
Products business units into a new Specialty Papers Business 
Unit.  This combination allows us to more effectively manage 
the demand planning process, optimize product mix, minimize 
process variability and meet the demands of our customers

“ We   w i l l   c o n c e n t r a t e   a   g r e a t   d e a l  
o f   a t t e n t i o n   o n   o u r   c o r e   P r i n t i n g   a n d  
C o n v e r t i n g   B u s i n e s s ,  s p e c i f i c a l l y   o u r  
b o o k   p u b l i s h i n g   b u s i n e s s . ”

Book Publishing is the largest product line of our Specialty Papers 
Business Unit.   Its performance is critical to the success of the 
Company.  In 2003, commodity producers dragged down the 
market by offering lower quality papers at reduced prices.  We lost 
market share.  We confronted the situation in 2004 by listening 
closely to our customers.  In March, I visited with many of our key 
publishers to learn first hand about their expectations of Glatfelter 
as a top-tier supplier.  We responded quickly.  In June, we launched 
“Performance Plus,” a program designed to streamline product 
offerings, improve product quality, reduce costs, and provide the 
best service in the business.

This initiative enhanced margins by improving operating 
efficiencies and eliminating low-value, commodity grades of 
book paper from our product mix.  Additionally, we have recently 
recouped market share and are reaffirming our position as the 
clear supplier of choice.  We intend to aggressively defend our 
leadership position in this market against all competitors.

“ O u r   V i s i o n   i s   t o   b e c o m e   t h e   g l o b a l  
s u p p l i e r   o f   c h o i c e   i n   S p e c i a l t y   P a p e r s  
a n d   E n g i n e e r e d   P r o d u c t s . ”

Our employees will tell you that I begin each group meeting 
by reviewing our Vision.  Some may find that practice amusing.  
I don’t.  The Vision defines the journey we have chosen to 
differentiate our Company from others, deliver value to 
shareholders, and achieve security for employees.  It is that 
important!

In 2004, we supported our Vision by continuing to challenge 
the organization’s creativity and innovation.  And employees 
responded with results.  Approximately 60% of our sales came 
from products developed in the last five years.

Furthermore, we supported the Vision by adopting new business 
processes that have enhanced the capabilities of the enterprise.  
We instituted an integrated supply chain management approach 
that has reduced our procurement and logistics costs by $1.6 
million, and generated manufacturing efficiencies throughout 
North American operations.

We also introduced a comprehensive Sales and Operations 
Planning Process (S&OP) in North America.  This process, along 
with the establishment of our Specialty Papers business unit, will 
enable more efficient scheduling, stronger inventory control, and 
most importantly, improved demand planning to better forecast 
and manage variations in order volume.  S&OP has supported 
our drive to a higher value product mix and higher margins.  It 
will also leverage our Enterprise Resource Planning System 
investment in SAP™ that was successfully instituted in 2002.  We 
intend to adopt S&OP process improvements in our European 
facilities during 2005.

“ We   a r e   c o m m i t t e d   t o   i n c r e a s i n g  
o u r   i n c o m e   a n d   s h a r e h o l d e r   v a l u e . ”

Last year, I pledged that we would make fundamental changes 
in our business to improve financial results.  We have.  Highlights 
from 2004 include:

•   Operating income, excluding nonrecurring items, increased  
  $1.7 million to $33.1 million. 
•  Earnings, excluding nonrecurring items, grew from $0.25  
  per share to $0.30 per share. 
•  Generated $57.9 million in pre-tax gains from the   
  divestiture of non-strategic timberlands and the 
  Company airplane. 
•  Successfully completed a secondary offering on behalf of  
  our major shareholders that increased our public float by 27%. 
•  Net debt was reduced by $67 million.
•  Net debt-to-capital improved to 28.9% from 39.1%.

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3/23/05   12:42:17 PM

 
 
 
 
These financial results punctuated the strength of our 
turnaround.  They helped support an upward movement in our 
share price and built a stronger balance sheet.  We intend to do 
better in 2005.  And we will.

In summary, Glatfelter’s 2004 performance was characterized by 
strong execution on the part of everyone in the organization.  
That’s a good thing, because the global paper industry remains 
a difficult place these days.  Glatfelter employees recognize 
that simply riding the cycles through good and bad markets 
won’t create sustainable value.  We continually challenge 
ourselves to look through the cycles, eschewing incremental 
advances for bold thinking that generates material, step-change 
improvement.  

F o c u s e d   E x e c u t i o n   D r i v e s   O p t i m i s m  
i n   2 0 0 5 

Looking ahead, we are modestly optimistic about the prospects 
for the coming year.  We continue to track favorably against our 
2004-05 Focus Point objectives.  The improvements made in 
our business processes over the past year have energized and 
empowered our organization.

Yet challenges remain.  Our industry continues to confront 
structural issues that will ultimately define its future.  I am 
particularly concerned about the rapidly rising costs of raw 
materials, energy, and healthcare in the United States.  It also is 
clear we must improve the financial performance of the Neenah 
facility.  This effort will hinge upon the success of a workforce 
redesign project similar to the one implemented at Spring 
Grove in 2004.  

Our European facilities must control rising costs as well.  The 
impact of a historically strong Euro will make products exported 
from Europe less competitive in some international markets.

Our success will continue to result from a clear focus and strong 
execution.  We intend to target the three key issues that matter 
most, execute them well and deploy our resources to generate 
breakthrough improvement.  Pursuing these strategies in 
2005 will further strengthen our Company and drive value to 
shareholders:

First, we must continue to execute our 2004-05 Focus Points.  

That means achieving our revenue growth projections for 
our Long Fiber and Overlay Papers business in Europe and 
improving the profitability of our North American operations.

Second, we must drive revenue growth in high-value, 
defensible niche markets.

Growth is an essential component of our Vision.  Our goal is to 
generate 80% of our revenue from higher-value, niche products 
by 2006.  That’s up from 73% today.  These products will play 
a key role in generating organic growth.  We are continually 
enhancing our product offerings through significant investment 
in product development activities, including product 
customizations developed in collaboration with our customers.  
As a result more and more customers are turning to Glatfelter as 
their supplier of choice.

Finally, improve operating income and free cash flow.

Financial strength is of primary importance to all Glatfelter 
stakeholders.  We have come through a difficult time and 
emerged a much stronger enterprise.  At the end of 2003 
our earnings were declining.  Today they are improving.  Free 
cash flow was negative.  Now, it is positive.  Our net debt had 
increased by $46 million.  We lowered it by $67 million.  Yes, 
we’ve made solid progress in 2004, but plenty of opportunity 
remains.  Our turnaround has generated cost structure and 
business process improvements that will favorably impact 
earnings in the years ahead.

Before I close, I would like to recognize the long and 
distinguished service of M.  A.  “Jake” Johnson II, who is retiring 
from our Board of Directors after 35 years of service.  I am very 
grateful for the wise counsel and positive contributions Jake 
rendered to the Board on behalf of our shareholders.  I have 
known Jake my entire career and can personally attest to the 
significant value he has brought to our Company.

I will close by thanking our shareholders for your continuing 
support and by offering a special welcome to the many 
new shareholders who participated in the 2004 secondary 
offering.  I ask you to reflect upon our Vision and Core Values.  
We own a rich 140-year heritage that gives us strength to face 
the future.  For the past five years we have transformed our 
enterprise from an old-line paper company to a strong global 
competitor uniquely positioned around higher-value, niche 
products.  It has been a tough, yet very rewarding ride.  And we 
are beginning to see the benefits.  This is a result of Glatfelter 
people demonstrating innovative thinking, strong resolve, and 
the ability to focus on the few things that matter most.  We 
have executed a successful turnaround and are committed to 
creating new opportunities to build shareholder value.

George H.  Glatfelter II
Chairman and  
Chief Executive Officer
March 24,  2005

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3/23/05   12:42:15 PM

 
E X E C U T I V E   O F F I C E R S

George H. Glatfelter II
Chairman and
Chief Executive Officer

Dante C. Parrini
Executive Vice President and
Chief Operating Officer

John C. van Roden, Jr.
Executive Vice President and
Chief Financial Officer

John P. Jacunski
Vice President and
Corporate Controller

Werner A. Ruckenbrod
Vice President  
Long Fiber & Overlay Papers

Mark A. Sullivan
Vice President  
Global Supply Chain

D i r e c t o r s

Kathleen A. Dahlberg 
Founder and President/CEO 
Open Vision Partners

Nicholas DeBenedictis
Chairman and Chief Executive Officer
Aqua America Corporation

George H. Glatfelter II
Chairman and Chief Executive Officer

J. Robert Hall
Chief Executive Officer
Ardale Enterprises, LLC

Richard C. Ill
President and Chief Executive Officer
Triumph Group, Inc.

M. Alanson Johnson II
Retired Executive Vice President,
Treasurer and Chief Financial Officer, Glatfelter

Ronald J. Naples
Chairman and Chief Executive Officer
Quaker Chemical Corporation

Richard L. Smoot
Retired Regional Chairman
PNC Bank, NA
Philadelphia/South Jersey Markets

Lee C. Stewart
Investment Banker
Daniel Stewart & Company

I N F O R M AT I O N

World Headquarters
P. H. Glatfelter Company
96 S. George Street
Suite 500
York, PA 17401
ph: 717-225-4711 
fax: 717-846-7208 
www.glatfelter.com

Stock Exchange
New York Stock Exchange

Stock Symbol
GLT

Annual Meeting
The Annual Meeting of
Shareholders will be held on
April 27, 2005, at 10:00 a.m. Eastern 
Time, at the York Expo Center,
334 Carlisle Ave., York, Pa.

Transfer Agent, Dividend
Disbursing Agent and Registrar
Mellon Investor Services, LLC
85 Challenger Road
Ridgefield Park, NJ 07660
800-756-3353

Information Sources:
For the latest quarterly
business results or other
information requests, you
may write or call Investor
Relations at the headquarters
address and phone number,
write to ir@glatfelter.com or
visit the worldwide Web site at
www.glatfelter.com.

O U R   CO R E  VA LU E S

I n t e g r i t y

C u s t o m e r   F o c u s

We are ethical and responsible in all of our business 
endeavors, all the time.

F i n a n c i a l   D i s c i p l i n e

We are responsible for the prudent management of the 
resources entrusted to us and for the generation of financial 
value for all constituents.

R e s p e c t   f o r   C o - w o r k e r s

We treat each other with honesty and respect.  We recognize 
that what we have and what we will achieve is through the 
efforts of our employees.  We will strive to provide them with 
rewarding challenges and opportunities for advancement.

We are dedicated to understanding and anticipating the needs 
of our customers and helping them to achieve their business 
objectives.

E n v i r o n m e n t a l   R e s p o n s i b i l i t y

We recognize that our business impacts the environment.  We
are committed to continuous environmental improvement
and the prevention of pollution. We will be in compliance with
all environmental laws and regulations.

S o c i a l   R e s p o n s i b i l i t y

We recognize our responsibility to contribute to the betterment 
of the communities in which we operate and the world in which 
we live.

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3/23/05   9:38:02 AM

UNITED STATES 
SECURITIES AND EXCHANGE COMMISSION 
WASHINGTON, D.C. 20549 

FORM 10-K/A 
Amendment No. 1 

[X] 

Annual report pursuant to section 13 or 15(d) of the Securities Exchange Act of 1934  

For the fiscal year ended December 31, 2004 
or 

[  ] 

Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934  

For the transition period from                  to  

Commission file number 1-3560 

P. H. Glatfelter Company 

(Exact name of registrant as specified in its charter) 

Pennsylvania 

(State or other jurisdiction of 
incorporation or organization) 

96 South George Street, Suite 500 
York, Pennsylvania 17401 
(Address of principal executive offices) 

23-0628360 
(IRS Employer Identification No.) 

(717) 225-4711 
(Registrant's telephone number, including area code) 

Securities registered pursuant to Section 12(b) of the Act: 

Title of Class 
Common Stock, par value $.01 per share 

Name of Exchange on which registered 
New York Stock Exchange 

Indicate by check mark whether the registrant (1) has 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 registrant 
was required to file such reports) and (2) has been subject to such filing requirements for at least the past 90 days. 
Yes   √   No      . 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained 
herein,  and  will  not  be  contained  to  the  best  of  registrant’s  knowledge,  in  definitive  proxy  of  information 
statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. [   ] 

Indicate by check mark whether the filer is an accelerated filer (as defined in Rule 12b-2 of the Exchange Act). 
Yes   √   No      . 

Based on the closing price as of June 30, 2004, the aggregate market value of Common Stock of the Registrant 
held by non-affiliates was $538.1 million. 

Common Stock outstanding on March 2, 2005 totaled 43,965,207 shares. 

DOCUMENTS INCORPORATED BY REFERENCE 

Portions of the following documents are incorporated by reference in this Annual Report on Form 10-K/A: Proxy 
Statement to be dated on or about March 30, 2005 (Part III). 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P. H. GLATFELTER COMPANY 
ANNUAL REPORT ON FORM 10-K/A  
Amendment No. 1 
for the Year Ended 

DECEMBER 31, 2004 

Table of Contents 

Business 
Properties 
Legal Proceedings 
Submission of Matters to a Vote of Security Holders  
Executive Officers 

Market for the Registrant's Common Stock and 
Related Stockholder Matters and Issuer 
Purchases of Equity Securities 

Selected Financial Data 
Management's Discussion and Analysis of Financial 

Condition and Results of Operations 
Quantitative and Qualitative Disclosures about 

Market Risk 

Financial Statements and Supplementary Data 
Changes in and Disagreements with Accountants on 

Accounting and Financial Disclosure 

Controls and Procedures 
Other Information 

Directors and Executive Officers of the Registrant 
Executive Compensation 
Security Ownership of Certain Beneficial Owners 
and Management and Related Stockholder 
Matters 

Certain Relationships and Related Transactions 
Principal Accountant Fees and Services 

PART I 

Item 1 
Item 2 
Item 3 
Item 4 

PART II 

Item 5 

Item 6 
Item 7 

Item 7A 

Item 8 
Item 9 

Item 9A 
Item 9B 

PART III 

Item 10 
Item 11 
Item 12 

Item 13 
Item 14 

PART IV 

Item 15 

Exhibits, Financial Statement Schedules 

SIGNATURES 

CERTIFICATIONS 

SCHEDULE II 

Page 

1 
6 
6 
7 
7 

8 
8 

9 

19 
20 

47 
47 
47 

47 
47 

47 
47 
47 

48 

51 

52 

54 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Explanatory Note 

This Amendment No. 1 to our Annual Report on Form 10-K/A for the fiscal year ended December 31, 2004 is being filed for the 
purposes of including as exhibits to the Annual Report an employment agreement and related ancillary agreements which were 
not  available  at  the  time  of  filing,  correcting  a  typographical  error  in  “Total  liabilities  and  shareholders’  equity”  on  the 
consolidated balance sheet, and correcting the presentation of amounts set forth in Note 21 – “Quarterly Results (Unaudited)” of 
the Notes to Consolidated Financial Statements to eliminate certain unnecessary information that included a typographical error. 

PART I  

This Amendment No. 1 to our 2004 Annual Report on 
Form  10-K/A  and  documents  incorporated  herein  by 
reference  contain  forward-looking  statements  based  on 
expectations, estimates, and projections as of the date of 
this filing. Actual results may differ materially from those 
expressed in such forward-looking statements. See Item 7. 
— “Management’s Discussion and Analysis of Financial 
Condition and Results of Operations — Forward-Looking 
Statements”. 

ITEM 1. 

BUSINESS 

Overview  Glatfelter began operations in 1864 and 
today  we  believe  we  are  one  of  the  world’s  leading 
manufacturers  of  specialty  papers  and  engineered 
products.  Headquartered  in  York,  Pennsylvania,  we  own 
and  operate  paper  mills 
in  Spring  Grove, 
Pennsylvania,  Neenah,  Wisconsin,  Gernsbach,  Germany 
and  Scaër,  France,  as  well  as  an  abaca  pulp  mill  in  the 
Philippines. Our common stock is listed on the New York 
Stock  Exchange  under  the  symbol  “GLT”.  As  used 
herein, “Glatfelter,” “we,” “our” and similar terms include 
P.  H.  Glatfelter  Company  and  its  subsidiaries  unless  the 
context indicates otherwise. 

located 

We  serve  customers  in  numerous  markets,  including 
book  publishing,  envelope  &  converting,  food  and 
beverage,  pressure-sensitive,  digital  imaging,  composite 
laminates,  and  other  highly  technical  niche  markets. 
Many  of 
in  which  we  operate  are 
characterized  by  higher-value-added  products  and,  in 
some  cases,  by  higher  growth  prospects  and  lower 
cyclicality  than  commodity  paper  markets.  Examples  of 
some of our key product offerings include papers for: 

the  markets 

(cid:127)  Tea bags and coffee filters;  
(cid:127)  Trade book publishing;  
Specialized envelopes; 
(cid:127) 
Playing cards;  
(cid:127) 
(cid:127) 
Pressure-sensitive postage stamps;  
(cid:127)  Metallized labels for beer bottles; and  
(cid:127)  Digital imaging applications.  

We  market  our  products  worldwide  both  through 
wholesale  paper  merchants,  brokers  and  agents  and 
directly to our customers. 

Our Business Units  During  the  year,  we  changed 
the  way  we  manage  our  business  and  transitioned  from 
three  distinct  business  units  to  two:  the  Europe-based 

Long Fiber & Overlay Papers business unit and the North 
America-based Specialty Papers business  unit. While  the 
Long  Fiber  &  Overlay  Papers  business  unit  remains 
unchanged, the formation of the Specialty Papers business 
unit,  which  consists  of  the  former  Engineered  Products 
and  the  Printing  &  Converting  Papers  business  units, 
allows  us  to  more  effectively  manage  the  demand 
planning process, optimize product mix, minimize process 
variability and  meet the demands of our customers.  As a 
result of this transition, all segment data has been restated 
to  give  effect  to  our  new  management  structure.  The 
following table summarizes consolidated net sales and the 
relative  net  sales  contribution  of  each  of  our  business 
units for the past three fiscal years: 

Dollars in thousands 
Net sales 

2004 
$543,524 

2003 
$533,193 

2002 
$540,347 

Business unit composition 
Specialty Papers 
Long Fiber & Overlay Papers 
Tobacco (1) 
Total 
(1)  As  of  July  2004,  we  no  longer  produce  products  for  the 

62.1% 
37.8 
0.1 
100.0% 

67.2% 
31.0 
1.8 
100.0% 

71.2% 
25.1 
3.7 
100.0% 

Tobacco industry. 

Net tons sold by each business  unit  for the past three 

years were as follows: 

Specialty Papers 
Long Fiber & Overlay Papers 
Tobacco  
Total 

2004 
421,504 
48,528 
390 
470,422 

2003  
446,110 
42,993 
6,463 
495,566 

2002  
474,343 
40,751 
13,109 
528,203 

North 

Specialty Papers  Our 

America-based 
Specialty  Papers  business  unit  focuses  on  papers  for  the 
production  of  high-quality  hardbound  books  and  other 
book publishing  needs, envelope & converting industries 
and  highly  technical  customized  products  for  the  digital 
imaging,  casting  and  release,  pressure  sensitive,  and 
several niche technical specialty markets.  

Total  book  publishing  papers  represented  41.8%, 
47.4%,  and  53.6%  of  this  business  unit’s  revenue  in  the 
years  ended  2004,  2003  and  2002,  respectively.  We 
believe  we  are  the  leading  supplier  of  book  publishing 
papers  in  the  United  States.  Specialty  Papers  also 
produces  paper 
into  specialized 
envelopes  in  a  wide  array  of  colors,  finishes  and 
capabilities.  Net  sales  of  envelope  &  converting  papers 
represented  24.2%,  20.6%  and  19.1%  of  this  business 
unit’s  net  sales in the  years ended 2004, 2003 and 2002, 
respectively.  The  book  publishing  and  envelope  & 
converting papers markets are generally more mature and, 

is  converted 

that 

-1 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
therefore, have modest growth characteristics.  

Item  7  –  Management’s  Discussion  and  Analysis  of 
Financial Condition and Results of Operations. 

from  of 

Specialty  Papers’  highly  technical  engineered  paper 
products  include  those  designed  for  multiple  end  uses, 
such  as  papers  for  pressure-sensitive  postage  stamps, 
disposable  medical  garments,  playing  cards  and  digital 
technical 
imaging  applications.  Revenue 
engineered products represented 32.5%, 30.1% and 26.7% 
of  this  business  unit’s  net  sales  in  the  years  ended  2004, 
2003  and  2002,  respectively.  Such  products  comprise  an 
array  of  distinct  business  niches  that  are  in  a  continuous 
state of evolution. These include digital imaging, casting 
and  specialty  release,  pressure-sensitive,  and  industrial 
in 
specialty.  Many  of 
end-user 
demanding, 
applications  and,  therefore,  command  higher  per  ton 
values  and  generally  exhibit  greater  pricing  stability 
relative to commodity grade paper products. Some of our 
products are new and high growth while others are more 
mature  and  further  along  on  the  development  curve. 
Because  many of these products are technically complex 
and  involve  substantial  customer-supplier  development 
collaboration,  product  pricing  has  remained  relatively 
stable.  

these  products  are  utilized 

specialized 

customer 

and 

Long 

Long Fiber & Overlay Papers 

Fiber  & 
Overlay  Papers,  based  in  Gernsbach,  Germany,  focuses 
on  higher-value-added  products,  such  as  paper  for  tea 
bags  and  coffee  pods/pads  and  filters,  decorative 
laminates  used  for  furniture  and  flooring,  and  metallized 
products  used  in  the  labeling  of  beer  bottles.  Long  fiber 
papers,  which  is  the  generic  term  we  use  to  describe 
products  made  from  abaca  pulp  (primarily  tea  bag  and 
coffee filter papers), accounted for approximately 52.3%, 
58.5%  and  56.3%  of  this  business  unit’s  net  sales  in  the 
years  ended  2004,  2003  and  2002,  respectively.  This 
focus on long fiber papers has made us one of the world’s 
largest  producers  of  tea  bag  papers.  The  balance  of  this 
unit’s  sales  are  comprised  of  overlay  and  technical 
specialty  products,  which  include  flooring  and  furniture 
overlay  papers,  metallized  products,  and  papers  for 
adhesive tapes, vacuum bags, holographic labels and gift 
wrap. Many long fiber and overlay papers are technically 
sophisticated.  We  believe  we  are  well  positioned  to 
produce  these  extremely  lightweight  papers  because  we 
understand  their  complexities,  which  require  the  use  of 
highly  specialized 
fiber  and  specifically  designed 
papermaking equipment.  

Our Competitive Strengths  Since 

commencing 
operations over 140 years ago,  we believe that Glatfelter 
has  developed 
leading 
manufacturers  of  specialty  papers  and  engineered 
products.  We  believe  that  the  following  competitive 
strengths have contributed to our success: 

into  one  of 

the  world’s 

(cid:127) 

Leading  market  positions  in  higher-value,  niche 
segments.    We  have  focused  our  resources  to  achieve 
market-leading  positions  in  certain  higher-value,  niche 
segments. Our products include various highly specialized 
paper  products  designed  for  technically  demanding  end 
uses.  Consequently,  many  of  our  products  achieve 
premium  pricing  relative  to  that  of  commodity  paper 
grades.  In  2004,  approximately  73%  of  our  sales  were 
derived  from  these  higher-value,  niche  products.  The 
specialized  nature  of  these  products  generally  provides 
greater  pricing  stability  relative  to  commodity  paper 
products.  

(cid:127) 

Customer-centric  business  focus.    We  offer  a 
unique and diverse product line that can be customized to 
serve  the  individual  needs  of  our  customers.  Our  size 
allows  us  to  develop  close  relationships  with  our  key 
in  our  product 
to  be  adaptable 
customers  and 
development,  manufacturing, 
sales  and  marketing 
practices.  We  believe  that  this  approach  has  led  to  the 
development  of 
relationships, 
defensible  market  positions,  and 
increased  pricing 
to  commodity  paper  producers. 
stability 
Additionally,  our  customer-centric  focus  has  been  a  key 
driver to our success in new product development.  

customer 

excellent 

relative 

(cid:127) 

Significant  investment  in  product  development.  
In  order  to  keep  up  with  our  customers’  ever-changing 
needs,  we  continually  enhance  our  product  offerings 
through significant investment in product development. In 
each of the past three years, we invested approximately $5 
million  in  product  development  activities.  We  derive  a 
significant  portion  of  our 
from  products 
developed,  enhanced  or  improved  as  a  result  of  these 
activities.  Revenue  generated  from  products  developed, 
enhanced or improved within the five previous years as a 
result  of  these  activities  represented  approximately  60%, 
47% and 37% of net sales in the years ended 2004, 2003 
and 2002, respectively.  

revenue 

Other 

In August 2001, we completed the divestiture 
of  our  Ecusta  Division,  a  supplier  of  paper  primarily  to 
the  tobacco  and  financial  printing  industries.  Until  July 
2004, we supplied tobacco papers to fulfill our obligations 
under a supply agreement entered into in connection with 
the divestiture. We no longer manufacture or sell tobacco 
paper products.  

Additional  financial  information  for  each  of  our 
business  units  during  the  past  three  years  is  included  in 

(cid:127) 

Integrated production.  As a  partially integrated 
producer, we are able to mitigate changes in the costs of 
certain raw  materials and energy. Our Spring  Grove  mill 
is a vertically integrated operation producing in excess of 
85% of the annual pulp required for its paper production. 
The  principal  raw  material  used  to  produce  this  pulp  is 
pulpwood,  consisting  of  both  hardwoods  and  softwoods. 
We  own  approximately  84,000  acres  of  timberlands  and 
obtain approximately 25% of our pulpwood requirements 

- 2 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
for  our  Spring  Grove  facility  from  Company-owned 
timberlands,  which  helps  stabilize  our  fiber  costs  in  a 
highly fragmented market. Our Spring Grove facility also 
generates  100%  of  the  steam  and  electricity  required  for 
its  operations.  In  addition,  our  Philippine  mill  processes 
abaca  fiber  to  produce  abaca  pulp,  which  is  a  key  raw 
material used by our Long Fiber & Overlay business unit 
in Gernsbach and Scaër.  

Our Business Strategy  Our  vision  is  to  become 
the  global  supplier  of  choice  in  specialty  papers  and 
engineered products. We are continuously developing and 
refining strategies to strengthen our business and position 
it for the future. Execution of these strategies is intended 
to  capitalize  on  our  strengths  in  customer  relationships, 
technology,  and  people,  as  well  as  our  leadership 
positions in certain markets. In recent years, our industry 
has been challenged by a supply and demand imbalance, 
particularly 
for  commodity-like  products.  To  be 
successful in the current market environment, our strategy 
is focused on aggressively reducing costs and continually 
repositioning  our  product  portfolio  to  increase  our  focus 
on  higher-value,  niche  products  and  to  better  align  our 
product  offerings  with  our  customers’  ever-changing 
needs.  Certain  key  elements  of  our  business  strategy  are 
outlined below: 

returns 

through 

leadership  positions 

Reposition our product portfolio.  By leveraging 
(cid:127) 
our 
in  several  specialty  niche 
markets,  we  plan  to  accelerate  growth,  improve  margins 
and  generate  better 
the 
financial 
optimization  of  our  product  portfolio. 
In  2004, 
approximately  73%  of  our  total  sales  were  derived  from 
what we consider to be higher-value, niche products. Over 
time,  we  plan  to  increase  our  concentration  on  such 
products  by  driving  growth  in  our  sales  of  trade  book 
papers,  uncoated  specialty  products,  long  fiber  and 
overlay  products,  and  other  specialty  products.  We 
believe  that  this  strategy  will  realign  our  business  more 
closely with our customers’ needs and further reduce our 
exposure to the higher level of cyclicality experienced in 
commodity paper grades.  

(cid:127) 

Execute  Long  Fiber  &  Overlay  Papers  growth 
plan.    A  core  component  of  our  long-term  strategy  is  to 
drive  growth  in  our  Long  Fiber  &  Overlay  Papers 
business  unit.  Currently,  we  are  one  of  the  leading 
producers  of  tea  bag  and  coffee  pod/pad  papers  in  the 
world,  and  we  believe  that  this  segment  has  promising 
growth characteristics as certain markets move toward tea 
bags versus loose tea leaves. We believe that we are well 
positioned to capitalize on this growth by leveraging our 
strong customer relationships and market-leading position 
in this segment. In addition, our rebuilt paper machine in 
Gernsbach  will  allow  us  to  penetrate  certain  technical 
specialty  markets, 
the  wall  coverings, 
textile/apparel and industrial markets. 

including 

(cid:127) 

Employ  low  cost  approach  to  specialty  product 
manufacturing.    While  we  are  focused  on  higher-value, 
niche  products,  we  seek  to  employ  a  commodity-like, 
low-cost  approach  to  our  manufacturing  activities.  In 
2004,  we  initiated  the  North  American  Restructuring 
Program that is designed to improve operating results by, 
among  other  factors,  improving  workforce  efficiencies 
and  implementing  improved  supply  chain  management 
processes.  A  major  component  of 
the  workforce 
efficiencies 
from  an  approximately  20% 
workforce  reduction  agreed  to  by  our  union  members  at 
our  Spring  Grove  facility.  The  financial  benefits  from 
these efforts began to phase-in during the third quarter of 
2004, and are expected to approximate $15 million to $20 
million  annually,  beginning  in  2006.  During  2005,  the 
financial  benefits  are  expected  to  increase  throughout 
much  of  the  year  aggregating  an  amount  under  the  low 
end of the range of ultimate benefits. 

resulted 

(cid:127)  Maintain  a  strong  balance  sheet  and  preserve 
financial flexibility.  We are focused on prudent financial 
management  and  the  maintenance  of  a  conservative 
capital  structure.  Concurrent  with  the  announcement  of 
certain  restructuring  initiatives  in  2003,  we  reduced  our 
dividend  in  order  to  conserve  approximately  $15  million 
in  annual  cash  flow  to  retain  financial  flexibility  and 
strengthen  our  balance  sheet.  Furthermore,  we  are 
committed to maintaining a strong balance sheet and our 
flexibility  to  pursue  strategic  opportunities  that  will 
benefit  our 
this 
commitment  in  2004,  during  which  we  reduced  net  debt 
by approximately $67 million.  

shareholders.  We  demonstrated 

Raw Material and Energy  The 

table 
provides an overview of the estimated amount of principal 
raw  materials  (“PRM”)  to  be  used  by  each  of  our 
manufacturing facilities on an annual basis: 

following 

Domestic 
Spring Grove 
Pulpwood 
Wood- and other pulps 

Neenah 

Wood- and other pulps 
Pulp substitutes 

International 
Gernsbach 

Wood- and other pulps 
Abaca pulp 
Synthetic fiber 

Scaër 

Wood pulp 
Abaca pulp 
Synthetic fiber 

Philippines 

Abaca fiber 

Estimated 
Annual 
Quantity 
(short tons)  

Percent of 
PRM 
Purchased 

1,006,000 
37,000 

75% 
100 

70,000 
41,000 

32,900 
8,450 
2,000 

1,450 
2,670 
1,200 

17,980 

100 
100 

100 
– 
100 

100 
– 
100 

100 

- 3 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Our  Spring  Grove  mill  is  a  vertically  integrated 
operation producing in excess of 85% of the annual pulp 
required for paper production. The principal raw material 
used  to  produce  this  pulp  is  pulpwood,  of  which  both 
hardwoods  and  softwoods  are  used.  At  December  31, 
2004,  we  owned  approximately  84,000  acres  of 
woodlands. In addition to this source of pulpwood, we are 
committed,  under  a  Supply  Agreement  expiring  in  2011, 
to buy at market prices a minimum annual amount of pine 
pulpwood  averaging  34,425  tons  per  annum  over  the 
eight-year 
the  agreement.  The  pulpwood 
purchased  under  this  agreement  is  to  be  harvested  from 
land we sold in March 2003. 

term  of 

In  addition  to  these  sources,  hardwoods  are  available 
within  a  relatively  short  distance  of  our  Spring  Grove 
mill.  Softwoods  are  obtained  primarily  from  Maryland, 
Delaware  and  Virginia.  To  protect  our  sources  of 
pulpwood,  we  actively  promote  conservation  and  forest 
management among suppliers and woodland owners. 

Our  Spring  Grove,  Pennsylvania  facility  generates 
100%  of  the  steam  and  electricity  required  for  its 
operations.  Principal  fuel  sources  used  by  the  Spring 
Grove facility are coal, recycled pulping chemicals, bark 
and  wood  waste,  and  oil.  This  facility  also  produces 
excess electricity that is sold to the local power company 
under  a  long-term  co-generation  contract  expiring  in 
2010.  Net  energy  sales  were  $10.0  million  in  both  2004 
and 2003, and $9.8 million in 2002. 

Until 

the  fourth  quarter  of  2003,  our  Neenah, 
Wisconsin  facility  recycled  high-grade  wastepaper  as  its 
primary  raw  material.  Since 
the 
restructuring at the Neenah facility, the pulp requirements 
for this facility are fulfilled with purchased pulp and pulp 
substitutes. 

initiation  of 

the 

The Neenah  facility purchases steam  under a twenty-
year contract, expiring in 2018, from a third party steam 
supplier which processes sludge from the Neenah facility 
and from other mills in the Neenah area. Steam acquired 
under  the  contract  is  based  on  the  cost  of  coal.  The 
Neenah  facility  generates  approximately  15%  of  its 
required electrical power and purchases the remainder. 

Our  Philippine  mill  processes  abaca  fiber  to  produce 
abaca pulp. This abaca pulp production provides a unique 
advantage  by  supplying  a  key  raw  material  used  by  our 
Long  Fiber  &  Overlay  business  unit  in  Gernsbach  and 
Scaër.  Events  may  arise  from  the  relatively  unstable 
political  and  economic  environment 
the 
Philippine  facility  operates  that  could  interrupt  the 
production  of  abaca  pulp.  Management  periodically 
evaluates the supply chain, including the supply of abaca 
pulp to our Gernsbach and Scaër facilities. Any extended 
interruption  of  the  Philippine  operation  could  have  a 
material  impact  on  our  consolidated  financial  position 

in  which 

and/or results of operations. We have approximately three 
months of abaca pulp supply available to us. In addition, 
we  have  established  contingency  plans  for  alternative 
sources  of  abaca  pulp.  However,  the  cost  of  obtaining 
abaca pulp from such alternative sources would likely be 
higher. 

The Gernsbach and Scaër facilities both generate all of 
the  steam  required  for  their  operations.  The  Gernsbach 
facility  generated  approximately  30%  of 
its  2004 
electricity  needs  and  purchased  the  balance.  The  Scaër 
its  2004  electric  power 
facility  purchased  all  of 
to  produce 
requirements.  Natural  gas  was  used 
the 
substantially  all 
in 
Gernsbach’s 
September 2004, the Scaër facility switched from fuel oil 
to natural gas. 

internally  generated  energy  at 
facility  during  2004.  Beginning 

Based  on  information  currently  available,  we  believe 
that  we  will  continue  to  have  ready  access,  for  the 
foreseeable  future,  to  all  principal  raw  materials  used  in 
the  production  of  our  products.  The  cost  of  our  raw 
material is subject to change, including, but not limited to, 
costs of wood and pulp products and energy costs. 

in 

product 

developed 

customizations 

New Product Development 

In  order  to  keep  up 
with  our  customers’  ever-changing  needs,  we  are 
continually  enhancing  our  product  offerings  through 
significant  investment  in  product  development  activities, 
including 
in 
partnership  or  close  collaboration  with  our  customers.  In 
each  of  the  past  three  years,  we  invested  approximately 
$5.2 million on product development. Revenue generated 
from  products  developed,  enhanced  or  improved  within 
the  five  previous  years  as  a  result  of  these  activities 
represented  approximately  60%,  47%  and  37%  of  net 
the  years  ended  2004,  2003  and  2002, 
sales 
respectively.  In  determining  revenue  attributable 
to 
product 
an 
independently developed framework, which we believe to 
be  generally  accepted  in  the  field  of  new  product 
management.  This 
framework  categorizes  products 
developed, enhanced or improved as those that (i) are new 
to  the  world,  (ii)  represent  a  product  line  new  to  our 
Company,  (iii)  are  a  new  product  within  an  existing 
product  line,  (iv)  are  a  significant  improvement  of  an 
existing  product,  (v)  are  repositioned 
into  a  new 
application or market, or (vi) are a lower cost alternative 
to  an  existing  product  of  the  Company  and  seen  by  our 
customers  as  a  new  offering.  Approximately  48%  of  our 
revenue attributable to developed, enhanced or improved 
products come from products that  fit  within category (ii) 
and (iii), above. 

activities,  we 

development 

utilize 

Concentration of Customers 

In  2004,  2003  and 
2002,  no  single  customer  represented  more  than  10%  of 
our consolidated net sales.  

- 4 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
Competition  Our  industry  is  highly  competitive. 
We  compete  on  the  basis  of  the  quality  of  our  products, 
customer  service,  product  development  activities,  price 
and  distribution.  We  offer  our  products  throughout  the 
United States and globally in approximately 80 countries. 
Our  competition  in  the  markets  in  which  we  participate 
comes  from  companies  of  various  sizes,  some  of  which 
have greater financial and other resources than we do. In 
the  engineered  products  markets  of  our  Specialty  Papers 
business  unit  and  in  the  Long  Fiber  &  Overlay  Papers 
business  unit,  competition  is  product  line  specific  as  the 
necessity 
specialized 
manufacturing equipment limits the number of companies 
offering  multiple  product 
lines.  We  compete  with 
specialty  divisions  of  large  companies  such  as,  among 
others,  Ahlstrom,  International  Paper,  MeadWestvaco, 
Sappi and Stora Enso as well as other companies such as J 
R Crompton. Service, product performance, technological 
advances  and  product  pricing  are  important  competitive 
factors  with  respect  to  all  our  products.  We  believe  our 
reputation in these areas continues to be excellent. 

technical  expertise  and 

for 

There are a number of companies in the United States 
that  manufacture  printing  and  converting  papers.  We 
believe  we  are  the  recognized  leader  in  book  publishing 
papers and compete in these markets with, among others, 
Domtar  and  Weyerhaeuser.  In  the  envelope  sector  we 
compete  with,  among  others,  Blue  Ridge,  International 
Paper  and  Weyerhaeuser.  Capacity  in  the  worldwide 
uncoated  free-sheet  industry  has  exceeded  demand  in 
recent years. Although we believe demand increases will 
narrow  this  gap,  the  worldwide  excess  capacity  is  not 
expected to decline significantly for the next few years. 

Demand  for  our  products  in  the  markets  we  serve  is 
primarily  driven  by  consumption  of  the  products  we 
produce,  which  is  often  affected  by  general  economic 
conditions.  In  recent  years,  the  global  paper  industry  in 
which we compete has been adversely impacted by paper 
producing  capacity  exceeding  the  demand  for  products. 
The Specialty Papers business unit, in particular, has been 
negatively  affected  by  such  over  capacity.  Downturns  in 
our  target  markets  could  result  in  decreased  demand  for 
our products. In addition to fluctuations in demand for our 
products  in  the  markets  we  serve,  the  markets  for  our 
paper products are also  significantly affected by changes 
in  industry  capacity  and  output  levels.  There  have  been 
periods  of  supply/demand  imbalance  in  the  pulp  and 
paper  industry  that have caused pulp and paper prices to 
be volatile.  

Our ability to compete in a global market place is also 
influenced by the relative value of the functional currency 
of our operations compared to the currency of the markets 
in  which  we  sell  our  products  and  the  location  of  our 
competitors.  Due  to  the  significant  strengthening  of  the 
Euro relative to the U.S. dollar and other currencies over 
the  last  few  years,  our  Europe-based  facilities  have  seen 
increasing pricing and competitive pressures. 

Environmental Matters  We  are  subject  to  loss 
contingencies  resulting  from  regulation  by  various 
federal,  state,  local  and  foreign  governmental  authorities 
with respect to the environmental impact of our mills. To 
comply with environmental laws and regulations, we have 
incurred substantial capital and operating expenditures in 
past years. We anticipate that environmental regulation of 
our operations will continue to become more burdensome 
and  that  capital  and  operating  expenditures  necessary  to 
comply with environmental regulations will continue, and 
perhaps increase, in the future. In addition, we may incur 
obligations  to  remove  or  mitigate  any  adverse  effects  on 
the  environment  resulting  from  our  operations,  including 
the  restoration  of  natural  resources  and  liability  for 
personal  injury  and  for  damages  to  property  and  natural 
resources.  Because  environmental  regulations  are  not 
consistent worldwide, our ability to compete in the world 
marketplace  may  be  adversely  affected  by  capital  and 
for  environmental 
operating  expenditures 
compliance.    For  a  discussion  of  environmental  matters, 
see  Item  8.  –  Financial  Statements  and  Supplementary 
Data – Note 19. 

required 

Employees  The  following  table  summarizes  our 

workforce as of December 31, 2004:  

Location 

U.S. 

Corporate/Spring Grove 
Neenah  

International 
Gernsbach 
Scaër 
Philippines 

Total 

Employees 
Salaried 

Union 

626 
148 
774 

403 
93 
54 
550 
1,324 

337 
51 
388 

193 
56 
27 
276 
664 

Total 

963 
199 
1,162 

596 
149 
81 
826 
1,988 

Different 

locals  of 

the  Paper,  Allied-Industrial, 
Chemical  and  Energy  Workers  International  Union,  or 
PACE,  represent  the  hourly  employees  at  our  U.S. 
facilities. 

A  five-year  labor  agreement  ending  January  2008 
covering  employees  in  Spring  Grove  was  ratified  in 
November  2002.  Among  other  changes,  the  contract 
provides for wage increases of 3% for years 2005 through 
2007. 
the  North  American 
Restructuring  Plan,  the  agreement  was  amended  in  July 
2004 providing workplace flexibility, certain job changes 
and early retirement incentives.  

In  connection  with 

On  October  22,  2002,  hourly  employees  at  our 
Neenah,  Wisconsin  facility  ratified  a  five-year  labor 
agreement  with  an  expiration  date  of  August  1,  2007. 
Under  this  agreement,  effective  August  1st  of  each  year, 
wages increase 3% for the duration of the agreement. 

- 5 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Various  unions  represent  employees  at  our  Schoeller 
&  Hoesch  facility.  One-year  labor  agreements  covering 
employees at the Gernsbach, Germany and Scaër, France 
facilities were entered into during 2004. The terms of the 
agreements  provide  for  wage  increases  in  2004  of 
approximately  1.5%.  Negotiations 
the 
agreements  began  in  February  2005.  The  terms  and 
conditions  of  the  agreements  will  remain  in  effect  until 
new agreements are reached, although any wage increase 
negotiated  in  the  new  agreements  will  be  retroactive  to 
the respective expiration dates of the old agreements. 

renew 

to 

Employees  at  our  pulpmill  in  the  Philippines  are 
covered  by  a  five-year  labor  agreement,  which  was 
negotiated at the end of 2002. 

We  consider 

the  overall  relationship  with  our 

employees to be satisfactory. 

investor 

accessed 

Available Information   Our 
can 

relations 
website 
at 
be 
www.glatfelter.com/e/investock.asp.  We  make  available 
on  our  site  free  of  charge  our  Annual  Reports  on  Form 
10-K,  Quarterly  Reports  on  Form  10-Q  and  Current 
Reports  on  Form  8-K  and  other  related  information  as 
soon  as  reasonably  practical  after  they  are  filed  with  the 
Securities  and  Exchange  Commission.  In  addition,  our 
website includes a Corporate Governance page consisting 
of, among others, our Governance Principles and Code of 
Business  Conduct,  Board  of  Directors  and  Executive 
Officers,  Nominating,  Audit 
and  Compensation 
Committees of the Board of Directors and their respective 
Charters, Code of Business Ethics for the CEO and Senior 
Financial  Officers  of  Glatfelter,  our  “whistle-blower” 
policy and other related material. We intend to satisfy the 
disclosure  requirement  for  any  future  amendments  to,  or 
waivers  from, our Code of Business Conduct or Code of 
Business  Ethics  for  the  CEO  and  Senior  Financial 
Officers by posting such information on our website. We 
will  provide  a  copy  of  the  Code  of  Business  Conduct  or 
Code  of  Business  Ethics  for  the  CEO  and  Senior 
Financial  Officers,  without  charge,  to  any  person  who 
requests one, by calling (717) 225-2724. 

ITEM 2.  PROPERTIES 

Our  leased  corporate  offices  are  located  in  York, 
Pennsylvania. We own and operate paper mills located in 
Spring  Grove,  Pennsylvania;  Neenah,  Wisconsin; 
Gernsbach, Germany; and Scaër, France. In addition,  we 
the  Philippines. 
own  and  operate  a  pulp  mill 
Substantially  all  of 
in  our 
papermaking and related operations, with the exception of 
some leased vehicles, is also owned. All of our properties, 
other than those that are leased, are free from any material 
liens or encumbrances. We consider all of our buildings to 
be  in  good  structural  condition  and  well  maintained  and 
our  properties  to  be  suitable  and  adequate  for  present 
operations. 

the  equipment  used 

in 

The 

following 

table  summarizes 

the  estimated 

production capacity of each of our facilities: 

Estimated Annual Production Capacity (short tons) 

Spring Grove 

Neenah 
Gernsbach 

Scaër 
Philippines 

310,000  Uncoated 
66,000  Coated 
125,000  Uncoated 

44,200  Lightweight  
11,000  Metallized 
5,300  Lightweight 
11,400  Abaca pulp 

The Spring Grove facility includes five uncoated paper 
machines  that  have  been  rebuilt  and  modernized  from 
time  to  time.  It  has  an  off-line  combi-blade  coater  and  a 
Specialty  Coater  ("S-Coater"),  which  together  yield  a 
potential  annual  production  capacity  for  coated  paper  of 
approximately 66,000 tons. Since uncoated paper is used 
in producing coated paper, this is not additional capacity. 
We view the S-Coater as an important asset that allows us 
to expand our more profitable engineered paper products 
business.  

The Spring Grove facility also includes a pulpmill that 
has  a  production  capacity  of  approximately  650  tons  of 
bleached  pulp  per  day.  We  have  a  precipitated  calcium 
carbonate ("PCC") plant at our Spring Grove facility that 
produces  PCC  at  a  lower  cost  than  could  be  purchased 
from  others  and  lowers  the  need  for  higher-priced  raw 
material  typically  used  for  increasing  the  opacity  and 
brightness of certain papers. 

Our  wholly-owned  subsidiary  Schoeller  &  Hoesch 
GmbH & Co. KG (“S&H”) owns and operates paper mills 
in  Gernsbach,  Germany  and  Scaër,  France.  S&H  also 
owns  a  pulpmill 
that  supplies 
substantially  all  of  the  abaca  pulp  requirements  of  the 
S&H paper mills. 

the  Philippines 

in 

The  Gernsbach  facility  includes  five  uncoated  paper 
machines  with  an  aggregate  annual  lightweight  capacity 
of about 44,200 tons.  In 2003, we rebuilt a paper machine 
with  new  state-of-the-art  inclined  wire  technology  (PM 
#9).  We  believe 
this  machine  provides  us  greater 
flexibility  and  technological  capabilities.  The  Gernsbach 
facility  also  has  the  capacity  to  produce  11,000  tons  of 
metallized  papers  annually,  using  a  lacquering  machine 
and two metallizers. We purchase the base paper used to 
manufacture the metallized paper.  

In 2004, our Philippine facility,  which  supplies abaca 
pulp to S&H, began operation of a new globe digester that 
increased  our  annual  abaca  pulp  production  by 
approximately 8%. 

ITEM 3.  LEGAL PROCEEDINGS 

We  are  involved  in  various  lawsuits  that  we  consider 
to be ordinary and incidental to our business. The ultimate 
outcome  of  these  lawsuits  cannot  be  predicted  with 
certainty;  however,  we  do  not  expect  such  lawsuits 

- 6 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
individually  or  in  the  aggregate,  will  have  a  material 
adverse  effect  on  our  consolidated  financial  position, 
liquidity or results of operations. 

For  a  discussion  of  commitments,  legal  proceedings 
and  related  contingencies,  see  Item  8  –  Financial 
Statements and Supplementary Data – Note 19. 

ITEM 4.  SUBMISSION  OF  MATTERS  TO  A  VOTE 

OF SECURITY HOLDERS. 

Not Applicable – no matters were submitted to a vote 

of security holders during the fourth quarter of 2004. 

EXECUTIVE OFFICERS 

The following table sets forth certain information with 

respect to our executive officers as of March 10, 2005. 

Name 
George H. Glatfelter II 

Age 
53 

Office with the Company 
Chairman and Chief Executive 

Officer 

Dante C. Parrini 

40 

Executive Vice President and Chief 

John C. van Roden, Jr. 

55 

Executive Vice President and Chief 

John P. Jacunski 

39 

Vice President and Corporate 

Financial Officer 

Operating Officer 

Werner A. Ruckenbrod 

47 

Vice President Long Fiber & 

Mark A. Sullivan 

50 

Vice President Global Supply 

Overlay Papers 

Controller 

Chain 

Officers  are  elected  to  serve  at  the  pleasure  of  the 
Board of Directors. Except in the case of officers elected 
to fill a new position or a vacancy occurring at some other 
date,  officers  are  generally  elected  at  the  organizational 
meeting of the Board of Directors held immediately after 
the annual meeting of shareholders. 

George  H.  Glatfelter  II  is  our  Chairman  and  Chief 
Executive  Officer.  From  April  2000  to  February  2001, 
Mr.  Glatfelter  was  Chairman,  President  and  Chief 
Executive Officer. From June 1998 to April 2000, he was 
Chief Executive Officer and President.  

Mr.  Glatfelter  serves  as  a  director  of  Met-Pro 
Corporation; the American Forest and Paper Association; 
the  National  Council  for  Air  and  Stream  Improvements; 
and the Alliance for the Chesapeake Bay.  

Dante  C.  Parrini  became  Executive  Vice  President 
and  Chief  Operating  Officer  in  February  2005.  Prior  to 
this,  Mr.  Parrini  was  Senior  Vice  President  and  General 
Manager,  a  position  he  held  since  January  2003.  From 
December 2000 until January 2003, Mr. Parrini was Vice 
President  -  Sales  and  Marketing.  From  July  2000  to 
December  2000,  he  was  Vice  President  -  Sales  and 
Marketing,  Glatfelter  Division  and  Corporate  Strategic 
Marketing.  

John  C.  van  Roden,  Jr.  was  elected  Executive  Vice 
President  and  Chief  Financial  Officer  in  February  2005. 
Prior  to  that  he  was  Senior  Vice  President  and  Chief 
Financial Officer since  he joined us in  April 2003. From 
September 1998 to September 2002, Mr. van Roden  was 
Senior  Vice  President  and  Chief  Financial  Officer  of 
Conectiv of Wilmington, DE.  

Mr.  van  Roden  is  a  Director  of  HB  Fuller  Company 

and Ascendant Capital Partners, LLC. 

John  P.  Jacunski  joined  us  in  October  2003,  and 
serves  as  Vice  President  &  Corporate  Controller.  Mr. 
Jacunski  was  previously  Vice  President  and  Chief 
Financial  Officer  at  WCI  Steel,  Inc.  from  June  1999  to 
October  2003.  From  May  1995  to  June  1999  he  was 
WCI’s  Corporate  Controller.  Prior  to  joining  WCI,  Mr. 
Jacunski  was  with  KPMG,  an  international  accounting 
and  consulting  firm,  where  he  served 
in  various 
capacities. 

Werner A. Ruckenbrod is Vice President Long Fiber 
& Overlay Papers with responsibilities for the operations 
and  performance  of  this  business  unit.  Mr.  Ruckenbrod 
joined  our  subsidiary,  S&H,  in  1984.  Since  joining  our 
company,  Mr.  Ruckenbrod  has  held  various  production 
related positions. 

Mark  A.  Sullivan  was  appointed  Vice  President 
Global  Supply  Chain  in  February  2005.  Mr.  Sullivan 
in  December  2003,  as  Chief 
joined  our  company 
Procurement  Officer.  His  experience  includes  a  broad 
array  of  operations  and  supply  chain  management 
responsibilities  during  20  years  with 
the  DuPont 
Company.  He  served  with  T-Mobile  USA  as  an 
independent  contractor  during  2003,  and  Concur 
Technologies from 1999 until 2002.  

- 7 - 
GLATFELTER 

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As  of  March  2,  2005,  we  had  2,054  shareholders  of 
record.  A  number  of  the  shareholders  of  record  are 
nominees. 

In  accordance  with  our  non-employee  director 
compensation  policy,  two-thirds  of  the  $18,000  retainer 
that  non-employee  directors  received  in  2004  was  paid  in 
shares  of  our  common  stock.  We  granted  an  aggregate  of 
3,696  shares  of  our  common  stock  to  our  non-employee 
directors  in  May  2004  and  an  aggregate  3,346  shares  of 
common stock to our non-employee directors on November 
2004  in  connection  with  payment  of  the  retainer.  The 
grants were made in reliance upon the exemption from the 
registration  requirements  of  the  Securities  Act  set  forth  in 
Section 4(2) of the Securities Act. 

PART II 

ITEM 5. 

 MARKET  FOR  THE  REGISTRANT'S 
COMMON  STOCK  AND  RELATED 
STOCKHOLDER MATTERS 

Common  Stock  Prices  and  Dividends  Declared 

Information 

The following table shows the high and low prices of 
our  common  stock  traded  on  the  New  York  Stock 
Exchange  under  the  symbol  “GLT”  and  the  dividend 
declared  per  share  for  each  quarter  during  the  past  two 
years. 

Quarter 

High 

Low 

Dividend 

2004 

Fourth 
Third 
Second 
First 

2003 

Fourth 
Third 
Second 
First 

$15.49 
14.23 
14.09 
12.93 

$13.29 
15.45 
15.05 
14.15 

$11.34 
11.50 
10.45 
10.44 

$11.70 
11.67 
10.70 
9.65 

$0.09 
0.09 
0.09 
0.09 

$0.09 
 0.09 
 0.175 
 0.175 

ITEM 6.  SELECTED FINANCIAL DATA 

Summary of Selected Consolidated Financial Data 

As of or for the year ended December 31 
In thousands, except per share 
Net sales 
Energy sales, net 
Total revenue 

2004 
$543,524 
9,953 
553,477 

Restructuring charges and unusual 

2003 
$533,193 
10,040 
543,233 

2002 
$540,347 
9,814 
550,161 

2001 (1) 
$632,602 
9,661 
642,263 

items 

(20,375) 

(24,995) 

(2,241) 

(60,908) 

Gains on dispositions of plant, 
equipment and timberlands 
Gains from insurance recoveries 
Income from continuing 

operations  

Income per share from continuing 

operations 
Basic  
Diluted  
Total assets 
Total debt  
Shareholders’ equity 
Cash dividends declared per 

common share 

58,509 
32,785 

56,102 

1.28 
1.27 
1,052,270 
211,227 
420,370 

32,334 
– 

12,986 

0.30 
0.30 
1,027,019 
254,275 
371,431 

0.36 

0.53 

1,304 
– 

37,637 

0.87 
0.86 
953,202 
220,532 
373,833 

0.70 

2,015 
– 

6,829 

0.16 
0.16 
966,604 
277,755 
353,469 

0.70 

2000  
$721,945 
9,243 
731,188 

(3,336) 

467 
– 

43,367 

1.02 
1.02 
1,023,325 
306,822 
372,703 

0.70 

1.  Our Ecusta Division was sold in August 2001. Ecusta Division net sales totaled $90.8 million. In 2001, we recorded 
a pre-tax loss on the sale, which was recorded as an unusual item, totaling $58.4 million. In 2000, we recorded a pre-
tax restructuring charge of $3.3 million related to workforce reductions at the Ecusta facility. 

2.  The above Summary of Selected Consolidated Financial Data, and the comparability thereof, includes the impact of 
certain charges and gains from asset dispositions. For a discussion of these restructuring charges, unusual items and 
gains from sales of plant, equipment and timberlands that affect the comparability of this information, see Item 8 – 
Financial Statements and Supplemental Data Notes 5 to 7 and Note 9. 

- 8 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 7.  MANAGEMENT'S DISCUSSION AND 

viii. 

ANALYSIS OF FINANCIAL CONDITION 
AND RESULTS OF OPERATIONS 

risks  associated  with  our  international  operations, 
political 
economic 
including 
environments 
currency 
fluctuations 
exchange rates;  

and 
in 

local 

and 

to 

identify 

Forward-Looking Statements This Annual Report on 
Form  10-K  includes  forward-looking  statements  within 
the  meaning  of  the  Private  Securities  Litigation  Reform 
Act  of  1995.  All  statements  other  than  statements  of 
historical  fact,  including  statements  regarding  industry 
prospects  and  future  consolidated  financial  position  or 
results  of  operations,  made  in  this  Report  on  Form  10-K 
are forward looking. We use words such as “anticipates”, 
“believes”,  “expects”,  “future”,  “intends”  and  similar 
expressions 
forward-looking  statements. 
Forward-looking statements reflect management’s current 
expectations  and  are  inherently  uncertain.  Our  actual 
results  may  differ  significantly  from  management’s 
expectations. The following discussion includes forward-
looking  statements  regarding  expectations  of,  among 
others, net sales, costs of products sold, non-cash pension 
income, 
restructuring  charges,  environmental  costs, 
capital  expenditures  and  liquidity,  all  of  which  are 
inherently  difficult  to  predict.  Although  we  make  such 
statements  based  on  assumptions  that  we  believe  to  be 
reasonable,  there  can  be  no  assurance  that  actual  results 
will  not  differ  materially 
from  our  expectations. 
Accordingly, we identify the following important factors, 
among  others,  which  could  cause  our  results  to  differ 
from  any  results  that  might  be  projected,  forecasted  or 
estimated in any such forward-looking statements:  

i.  variations  in  demand  for,  or  pricing  of,  our 

products;  

ii.  changes in the cost or availability of raw materials 
we use, in particular  market  pulp, pulp substitutes, 
and  abaca  fiber,  and  changes  in  energy-related 
costs;  

iv. 

iii.  our  ability  to  develop  new,  high  value-added 
Engineered  Products  and  Long  Fiber  &  Overlay 
Papers;  
the  impact  of  competition,  changes  in  industry 
paper 
the 
construction of new  mills,  the closing of  mills and 
incremental changes due to capital expenditures or 
productivity increases; 

production 

including 

capacity, 

v.  our  ability 

to  execute  our  North  American 
Restructuring  Program,  growth  strategies  and  cost 
reduction initiatives; 

vi.  cost and other effects of environmental compliance, 
cleanup,  damages,  remediation  or  restoration,  or 
personal injury or property damages related thereto, 
such  as  the  costs  of  natural  resource  restoration  or 
damages related to the presence of polychlorinated 
biphenyls  ("PCBs")  in  the  lower  Fox  River  on 
which our Neenah  mill is located; and the costs of 
environmental  matters  at  our 
former  Ecusta 
Division mill;  
the gain or loss of significant customers and/or on-
going viability of such customers;  

vii. 

ix.  geopolitical events, including war and terrorism; 
x.  enactment of adverse state, federal or foreign tax or 
other  legislation  or  changes  in  government  policy 
or regulation;  

xi.  adverse results in litigation; 
xii.  disruptions in production and/or increased costs due 

to labor disputes;  

xiii.  our ability to realize the value of our timberlands;  
xiv. 

the  recovery  of  environmental-related  losses  under 
our insurance policies; and 

xv.  our  ability  to  identify,  finance  and  consummate 

future alliances or acquisitions. 

Introduction  We  manufacture,  both  domestically 
and  internationally,  a  wide  array  of  specialty  papers  and 
engineered  products.  Substantially  all  of  our  revenue  is 
earned  from  the  sale  of  our  products  to  customers  in 
numerous  markets,  including  book  publishing,  food  and 
beverage, decorative laminates for furniture and flooring, 
and other highly technical niche markets. Refer to Item 1 
– Business for additional information. 

Overview   During  the  past  few  years,  our  industry 
has  been  adversely  impacted  by  an  imbalance  between 
supply  and  demand  for  certain  of  our  products.  In  this 
environment during 2003, we experienced declining sales 
volumes and lower average selling prices primarily in the 
more  commodity-like  products  offered  by  our  Specialty 
Papers  business  unit.  Two  significant  developments 
occurred  over  the  course  of  the  latter  part  of  2003  and 
throughout 2004 that improved our financial performance 
in the year over year comparison:  

1)  We  undertook  two  major  restructuring  initiatives  – 
the  North  America  Restructuring  Program  in  2004 
and Neenah Restructuring in  2003 (each of  which is 
discussed  in  more  detail  in  the  following  sections), 
and  

2)  Demand  for  products  improved  and  selling  prices 
strengthened beginning in the second quarter of 2004, 
reversing deteriorating trends experienced in 2003.  

reducing  costs  by  enhancing 

The restructuring initiatives are focused on improving 
the  profitability  of  our  product  mix  by  targeting  higher 
value  niche  markets,  increasing  workforce  productivity, 
supply  chain 
and 
management strategies. Together  with continued strength 
in  our  Europe-based  Long  Fiber  &  Overlay  Papers 
business  unit  and  improved  market  conditions  in  North 
America,  these  actions  contributed  to  a  widening  gross 
margin  and  increased  gross  profit.  Our  operating  results 
also  reflect  increasing  raw  material  prices  particularly 
pulp and energy related costs and affects of a weaker U.S. 
dollar on translated international operations. 

- 9 - 
GLATFELTER 

 
 
 
 
 
 
 
 
In addition, over the past two years we generated gains 
of  approximately  $89.1  million  from  the  sale  of  non-
strategic timberlands and the corporate aircraft. We were 
also  successful  in  collecting  $32.8  million  in  insurance 
recoveries 
to  environmental  claims.  These 
proceeds were primarily used to reduce our debt levels. 

related 

Highlights from 2004 include: 

•  Achieved  60%  of  total  sales  from  new  products 

introduced in the last five years. 

•  Developed  and  executed 
Restructuring Program: 
• 

the  North  American 

improved  product  and 

Introduced 
service 
offerings  for  the  book  publishing  market  and 
increased  market  share  in  the  premium  book 
market. 

•  Developed  a  pipeline  of  products  to  grow 

• 

revenue from uncoated specialty papers. 
reduction 
Implemented  a  20%  workforce 
full  production 
program  while  maintaining 
capability  at 
the  Company’s  Spring  Grove 
facility.  This  program  will  be  completed  by  the 
end of the first quarter of 2005. 
•  Reduced  production  costs  by 

implementing 
supply-chain 

improved 
management strategies in North America. 

expanded 

and 

•  Reduced certain SG&A expenses.  

•  Achieved strong growth in targeted markets led by a 
13% increase in volume in the Long Fiber & Overlay 
Papers business unit. 
Improved pricing in North America which more than 
offset raw material cost increases. 

• 

•  Enhanced financial flexibility by reducing net debt by 
$67 million through improved operating performance 
and monetization of timberland assets. 

RESULTS OF OPERATIONS 

2004 versus 2003 

The  following  table  sets  forth  summarized  results  of 

operations: 

Year Ended December 31 

In thousands 
Net sales 
Gross profit 
Operating income 
Income from continuing operations 
Net loss from discontinued 

operations 

Net income 
Earnings per diluted share from 
continuing operations 
Earnings per diluted share 

2004 
$543,524 
92,414 
103,394 
56,102 

– 
56,102 

1.27 
1.27 

2003
$533,193 
79,546 
34,250 
12,986 

(325) 
12,661 

0.30 
0.29 

The  consolidated  results  of  operations  for  the  years 
ended December 31, 2004 and 2003 include the following 
significant items: 

In thousands, except per share 
2004 

Gains on sale of timberlands 
and corporate aircraft 

Insurance recoveries 
Restructuring charges 

2003 

Gain on sale of timberlands 
Restructuring charges 
Ecusta related reserves 
Asset write downs 

After-tax 
Income (loss) 

Diluted EPS 

$34,151 
21,310 
(12,723) 

$19,965 
(8,582) 
(7,315) 
(2,124) 

$0.78 
0.48 
(0.29) 

$0.46 
(0.20) 
(0.17) 
(0.05) 

The  above  items  increased  earnings  from  continuing 
operations by $42.7 million, or $0.97 per diluted share in 
2004,  and  by  $1.9  million,  or  $0.04 per  diluted  share,  in 
2003.  

Business Units  As  discussed  in  Item  1  -  Business, 
in 2004 we changed the way we manage our business and 
transitioned from three distinct business units to two: the 
Europe-based Long Fiber & Overlay Papers business unit 
and  the  North  America-based  Specialty  Papers  business 
unit.  While  the  Long  Fiber  &  Overlay  business  Unit 
remains  unchanged,  the  combination  of  the  former 
Engineered  Products  and  the  Printing  &  Converting 
Papers  business  units  into  Specialty  Papers  allows  us  to 
more  effectively  manage  the  demand  planning  process, 
optimize  product  mix,  minimize  process  variability  and 
meet  the  demands  of  our  customers.  As  a  result  of  this 
transition, all segment data has been restated to give effect 
to  the  further  refinement  of  our  organizational  structure 
discussed above.  

- 10 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following table sets forth profitability information by business unit and the composition of consolidated income from 

continuing operations before income taxes: 

Year Ended December 31  
In thousands 

Net sales 
Energy sales, net 
Total revenue 
Cost of products sold 
Gross profit (loss) 

SG&A 
Pension income 
Restructuring recorded as component of COS 
Restructuring charges 
Unusual items 
Gains on dispositions of plant, equipment and 

timberlands 

Gain on insurance recoveries 

Total operating income (loss) 

Nonoperating income (expense) 
Income from continuing operations before 

Long Fiber & Overlay 

Other and Unallocated 

Total 

Specialty Papers 
2003 
2004 
$357,989 
$337,436 
10,040 
9,953 
368,029 
347,389 
325,897 
312,136 
42,132 
35,253 
44,494 
38,330 

2004 
$205,232 
– 
205,232 
163,843 
41,389 
23,067 

2003 
$165,389 
– 
165,389 
130,838 
34,551 
16,669 

2004 

$856 
– 
856 
1,021 
(165) 
(53) 
(17,342) 
– 
20,375 
– 

(58,509) 
(32,785) 
88,149 
(12,631) 

2003 
$9,815 
– 
9,815 
15,448 
(5,633) 
125 
(17,149) 
6,511 
6,983 
11,501 

(32,334) 
– 
18,730 
(13,834) 

2004 
$543,524 
9,953 
553,477 
477,000 
76,477 
61,344 
(17,342)
– 
20,375 
– 

(58,509)
(32,785)
103,394 
(12,631)

2003 
$533,193 
10,040 
543,233 
472,183 
71,050 
61,288 
(17,149) 
6,511 
6,983 
11,501 

(32,334) 
– 
34,250 
(13,834) 

(3,077) 
– 

(2,362) 
– 

18,322 
– 

17,882 
– 

income taxes 

$(3,077) 

$(2,362)

$18,322 

$17,882 

$75,518 

$4,896 

$90,763 

$20,416 

Supplementary Data 
Net tons sold 
Depreciation expense 

421,504 
$37,186 

446,110 
$44,216 

48,528 
$14,412 

42,993 
$11,813 

390 
– 

6,463 
– 

470,422 
$51,598 

495,566 
$56,029 

Results  of  individual  business  units  are  presented 
based  on  our  management  accounting  practices  and 
management  structure.  There 
is  no  comprehensive, 
for  management 
authoritative  body  of  guidance 
accounting  equivalent  to  accounting  principles  generally 
accepted  in  the  United  States  of  America;  therefore,  the 
financial  results  of  individual  business  units  are  not 
necessarily  comparable  with  similar  information  for  any 
other company. The management accounting process uses 
assumptions  and  allocations  to  measure  performance  of 
the business units. Methodologies are refined from time to 
time  as  management  accounting  practices  are  enhanced 
and  businesses  change.  Costs  incurred  by  support  areas 
not  directly  aligned  with  the  business  unit  are  allocated 
primarily based on an estimated utilization of support area 
services.  

Management  evaluates  results  of  operations  before 
non-cash  pension  income,  restructuring  related  charges, 
unusual items, effects of asset dispositions and insurance 
recoveries  because  it  believes  this  is  a  more  meaningful 
representation  of  the  operating  performance  of  its  core 
papermaking businesses, the profitability of business units 
and  the  extent  of  cash  flow  generated  from  core 
operations.  This  presentation  is  closely  aligned  with  the 
management  and  operating  structure  of  our  Company. 

It is also on this basis that Company’s performance is 

evaluated internally and by our Board of Directors. 

Sales and Costs of Products Sold 

In thousands 
Net sales 
Energy sales – net  
Total revenues 
Costs of products sold 
Gross profit 
Gross profit as a percent 

of Net sales 

Year Ended December 31 

2004 
$543,524 
9,953 
553,477 
461,063 
$92,414 

2003 
$533,193 
10,040 
543,233 
463,687 
$79,546 

17.0% 

14.9% 

Change 
$10,331 
(87) 
10,244 
(2,624) 
$12,868 

Net sales in the Specialty Papers business unit declined 
$20.6  million,  or  5.7%  in  the  year-to-year  comparison. 
Approximately  $13.9  million  of  this  decline  was  due  to 
lower volume primarily attributable to the shutdown in late 
2003  of  a  paper  machine  at  the  Neenah  facility.  Selling 
prices  in  this  business  unit  declined  during  most  of  2003, 
stabilized  in  the  first  quarter  of  2004  and  subsequently 
the  year. 
strengthened 
Comparing  the  full  year  2004  to  2003,  average  selling 
prices  for  the  Specialty  Papers  business  unit  declined 
slightly.  

the  remainder  of 

throughout 

Long Fiber & Overlay Papers’ net sales increased $39.8 
million, or 24.1%, in the comparison due to an increase in 
volumes  shipped,  particularly  in  the  Food  and  Beverage 
and  Composite  Laminates  sectors,  and  a  $16.0  million 
favorable 
translation 
foreign 
adjustments.  Although  the  weaker  U.S.  dollar  favorably 
impacted translated net sales of international operations, it 

currency 

effect 

of 

- 11 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
adversely affected the price competitiveness of Long Fiber 
& Overlay Papers’ products in certain geographic markets.  

The  following  tables  set  forth  the  contribution  to 

consolidated net sales by each business unit: 

Business Unit 
Special Papers 
Long-Fiber & Overlay Papers 
Tobacco Papers 

Total 

Percent of Total 

2004 

2003 

62.1% 
37.8 
0.1 
100.0% 

67.2% 
31.0 
1.8 
100.0% 

Costs  of  products  sold  declined  $2.6  million  in  the 
comparison  due  to  lower  production  costs  related  to  the 
decline in sales volumes in the Specialty Papers business 
unit,  nonrecurring  restructuring  charges  from  2003  and 
other  cost  reduction  initiatives.  Partially  offsetting  these 
factors  was  the  unfavorable  effect  of  foreign  currency 
translation  adjustments,  costs  associated  with  increased 
sales volume in the Long Fiber & Overlay business unit, 
and higher raw material and energy prices. The following 
table summarizes changes in costs of products sold for the 
year ended December 31, 2004 compared to the 2003. 

In millions 

Foreign currency changes 
Lower sales volume, net  
2003 Neenah restructuring related charges 
Other 

Total 

Year Ended 
December 31, 2004 
(Favorable) 
unfavorable 

$12,322 
(8,262) 
(6,511) 
(173) 
$(2,624) 

Non-Cash Pension Income    Non-cash 

pension 
income  results  from  the  considerably  over-funded  status 
of  our  plans.  The  amount  of  pension  income  recognized 
is  determined  using  various  actuarial 
each  year 
assumptions  and  certain  other  factors,  including  the  fair 
value  of  our  pension  assets  as  of  the  beginning  of  the 
year. The following summarizes non-cash pension income 
for each year: 

In thousands 
Recorded as: 
Costs of products sold 
SG&A expense 

Total  

Year Ended December 31 

2004 

2003 

Change 

$15,937 
1,405 
$17,342 

$15,007 
2,142 
$17,149 

$930 
(737) 
$193 

The 

following 

expenses, 
restructuring  charges,  gains  from  asset  dispositions  and 
other nonrecurring items: 

summarizes  SG&A 

In thousands 
SG&A expenses 
Restructuring charges 
Gains on dispositions of 
plant, equipment and 
timberlands 
Unusual items 
Gains from insurance 

recoveries 

Year Ended December 31 

2004 
$59,939 
20,375 

2003 
$59,146 
6,983 

Change 

$793 
13,392 

(58,509) 
– 

(32,334) 
11,501 

(26,175) 
(11,501) 

$(32,785) 

– 

$(32,785) 

Selling,  General  and  Administrative  (“SG&A”) 
SG&A  expenses  increased  $0.8  million  in  the  year-to-
year  comparison.  The  increase  was  primarily  due  to  a 
$1.6  million  unfavorable  impact  of  foreign  currency 
translation  adjustments,  higher  legal  and  accounting  and 
professional  fees,  mostly  related  to  insurance  recoveries, 
and  costs  associated  with 
the  North 
American  Restructuring  Program.  Lower  variable 
compensation  expenses  and  the  impact  of  cost  reduction 
initiatives substantially offset these costs. 

implementing 

Restructuring  Charges      As  discussed  earlier,  we 
undertook two major restructuring initiatives beginning in 
the 
table 
summarizes  restructuring  charges  incurred  in  connection 
with these initiatives: 

fourth  quarter  of  2003.  The 

following 

In thousands 
Restructuring initiative: 
North American Restructuring 

Program 

Neenah Restructuring 
Recorded as: 

Costs of products sold 
Restructuring charge 
Total Neenah 

Total  

Year Ended December 31 

2004 

2003 

$17,187 

$– 

– 
3,188 
3,188 
$20,375 

6,511 
6,983 
13,494 
$13,494 

North American Restructuring Program   The 
North  American  Restructuring  Program  is  designed  to 
improve  operating  results  by  enhancing  product  and 
service  offerings  in  Specialty  Papers’  book  publishing 
markets, growing revenue from uncoated specialty papers, 
reducing  our  workforce  at  our  Spring  Grove  facility  by 
approximately  20%,  and  implementing  improved  supply 
chain management processes. The financial benefits from 
these efforts began to phase-in during the third quarter of 
2004, and are expected to approximate $15 million to $20 
million  annually,  beginning  in  2006.  During  2005,  the 
financial  benefits  are  expected  to  increase  throughout 
much  of  the  year  aggregating  an  amount  under  the  low 
end of the range of ultimate benefits. 

In  2004,  we  negotiated  a  new  labor  agreement  that 
enabled  us  to  reduce  workforce  levels  at  our  Spring 
Grove, PA facility by approximately 20%. As part of the 
new  labor  agreement,  we  offered  a  voluntary  early 

- 12 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
retirement  benefits  package  to  eligible  employees.  The 
acceptance  of  these  special  termination  benefits  resulted 
in  a  charge  of  $16.5  million  in  2004,  substantially  all  of 
which was for enhanced pension benefits, post-retirement 
medical  benefits  and  other  related  employee  severance 
costs. 

We  also  recorded  restructuring  charges  totaling  $0.7 
million,  for  severance  and  related  pension  and  other  post 
employment  benefits  (“OPEB”)  associated  with 
the 
elimination  of  certain  non-represented  positions.  The 
following  table  sets  forth  activity  in  the  North  American 
Restructuring Program restructuring reserve.  

In thousands 
Beginning balance 
Amounts accrued 
Payments made 
To be paid: 

From pension plan assets 
As OPEB benefits 

Ending balance 

Year Ended 
December 31, 
2004 

$0 
17,187 
(644) 

(11,255) 
(5,228) 
$60 

The  ending  balance  set  forth  above  represents  the 
portion  of  the  North  American  Restructuring  Program 
charges  that  is  expected  to  require  near  term  cash 
payments from us and primarily consists of severance and 
benefits  continuation.  Amounts  representing  enhanced 
pension benefits will be paid from our pension plan assets 
and  are  recorded  as  a  reduction  to  the  carrying  value  of 
our  prepaid  pension  assets.  The  amounts  for  OPEB 
benefits were recorded as “Other long-term liabilities” in 
the Consolidated Balance Sheets. We will pay the OPEB 
benefits  as  they  are  incurred  over  the  course  of  the 
affected employees’ benefit period, which could range up 
to 8 years. 

Neenah Restructuring  

In  September  2003,  we 
announced the decision to permanently shut down a paper 
making machine and the deinking process at our Neenah, 
WI  facility.  The  abandoned  machines  and  processes  had 
been  primarily  supporting  our  book  publishing  products 
of  the  Specialty  Papers  business  unit.  This  initiative 
resulted in the elimination of approximately 190 positions 
and  was  completed  by  March  31,  2004.  The  results  of 
operations  in  2003  include  related  pre-tax  charges  of 
approximately  $13.5  million,  of  which  $6.5  million  are 
reflected 
income  statements  as 
components  of  costs  of  products  sold,  and  $7.0  million 
are reflected as “restructuring charges.”  

the  consolidated 

in 

The results of operations in 2004 include $3.2 million 
of  Neenah  related  restructuring  charges,  of  which  $3.0 
million  represents  a  fee  paid  to  modify  a  steam  supply 
contract  in  connection  with  the  restructuring  initiative  at 
the  Neenah  facility.  The  remaining  amount  represents 
adjustments to estimated benefit continuation costs. 

The following table sets forth information with respect 

to Neenah restructuring charges: 

In thousands 
Contract modification fee 
Depreciation on abandoned 

equipment  

Severance and benefit continuation 
Pension and other retirement 

benefits 

Other 

Total  

Year Ended December 31 

2004 
$3,000 

– 
188 

– 
– 
$3,188 

2003 
$– 

5,974 
1,874 

4,878 
768 
$13,494 

The following table summarizes activity in the Neenah 

Restructuring reserve: 

In thousands 
Beginning balance 
Amounts accrued 
Payments made 

Ending balance 

Year Ended December 31 

2004 
$1,625 
3,188 
(4,065) 
$748 

2003 
$– 
2,105 
(480) 
$1,625 

As of December 31, 2004, the amounts accrued related 
to  the  Neenah  restructuring  represent  only  those  charges 
that are expected to result in cash payments and primarily 
consist  of  severance  payments,  benefits  continuation  and 
medical  retirement  benefits.  The  Neenah  restructuring 
charge  totaled  $16.7  million,  of  which  $6.5  million  was 
non-cash  related,  and  $5.4  million  is  to  be  paid  out  of 
pension plan assets. 

Gain  on  Sales  of  Plant,  Equipment  and 
Timberlands      During  2004  and  2003,  we  completed 
sales  of  timberlands  and,  in  2004,  the  corporate  aircraft. 
The following table summarizes these transactions. 

Dollars in thousands 
2004 
Timberlands 
Corporate Aircraft 
Other 

Total 

2003 
Timberlands 
Other 

Total 

Acres 

Proceeds 

Gain 

4,482 
n/a 
n/a 

25,500 
n/a 

$56,586 
2,861 
724 
$60,171 

$55,355 
2,554 
600 
$58,509 

$37,850 
2,892 
$40,742 

$31,234 
1,100 
$32,334 

All  property  sales  completed  in  2004  were  sold  for 
cash.  As  consideration  for  the  timberlands  sold  in  2003, 
we  received  a  10-year  note  from  a  subsidiary  of  The 
Conservation  Fund  in  the  principal  amount  of  $37.9 
million (the “Note”), which is included in “Other assets” 
in the Consolidated Balance Sheet.  

Insurance  Recoveries  During  2004,  we  reached 
successful  resolution  of  certain  claims  under  insurance 
policies  related  to  the  Fox  River  environmental  matter. 
Insurance recoveries included in the results of operations 
for 2004 totaled $32.8 million and were received in cash. 

- 13 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest  Expense      For  the  year  ended  December  31, 
2004,  interest  expense  declined  $0.9  million  to  $13.4 
million, 
levels.  Average 
outstanding debt declined $25.4 million in the year-to-year 
comparison. 

largely  due 

lower  debt 

to 

Income Taxes   Our provision for income taxes from 
continuing  operations  in  2004  and  2003,  totaled  $34.7 
million  and  $7.4  million,  respectively,  and  the  effective 
tax  rate  in  the  same  periods  was  38.2%  and  36.4%, 
respectively.  The  increase  in  the  effective  tax  rate  was 
primarily  due  to  the  proportion  of  taxable  income 
attributable 
timberland  sales  and  foreign  source 
income, both of which are taxed at higher effective rates.  

to 

Foreign  Currency    We  own  and  operate  paper  and 
pulp  mills  in  Germany,  France  and  the  Philippines.  The 
local currency in Germany and France is the Euro, while 
in  the  Philippines  the  currency  is  the  Peso.  These 
operations  generate  approximately  34%  of  our  sales  and 
33% of operating expenses. The translation of the results 
from  these  international  operations  into  U.S.  dollars  is 
subject to changes in foreign currency exchange rates. 

The  table  below  summarizes  the  effect  from  foreign 
currency  translation  on  reported  results  compared  to 
2003: 

In thousands 

Net sales 
Costs of products sold 
SG&A expenses 
Income taxes and other 
Net income 

Year Ended 
December 31, 2004 
Favorable 
(unfavorable) 
$15,994 
(12,322) 
(1,629) 
(305) 
$1,738 

The  above  table  only  presents  the  financial  reporting 
impact  of  foreign  currency  translations.  It  does  not 
present  the  impact  of  certain  competitive  advantages  or 
disadvantages  of  operating  or  competing 
in  multi-
currency  markets.  The  strengthening  of  the  Euro  relative 
to  certain  other  currencies  in  2004  compared  to  2003, 
adversely  affected  the  price  competitiveness  of  our 
Germany-based  Long  Fiber  &  Overlay  Papers  business 
unit relative to certain competitors. 

Discontinued Operations 

In  July  2003,  we  sold 
our  Wisches,  France  subsidiary  for  approximately  $2.0 
million and the buyer’s assumption of approximately $1.1 
million of debt owed to us by our subsidiary. At closing, 
we  received  $1.7  million  with  the  remaining  amounts  to 
be paid in two annual installments, the first of which was 
received  in  July  2004.  The  financial  results  of  this 
subsidiary are reported as discontinued operations  for all 
periods presented. Prior to the sale, the underlying assets 
were  recorded  at  the  lower  of  carrying  amount  or  fair 

loss 

less  cost 

to  sell.  Accordingly, 

value 
from 
discontinued operations for the year ended December 31, 
2003, includes a charge of $0.5 million, after tax, to write-
down  the  carrying  value  of  the  assets  prior  to  the  sale. 
Revenue 
from 
discontinued  operations  totaled  $2.6  million  and  $3.5 
million  for  2003  and  2002,  respectively.  The  financial 
results  of  this  operation  were  previously  reported  in  the 
Specialty Papers business unit.  

determining 

included 

results 

in 

2003 versus 2002 

The  following  table  sets  forth  summarized  results  of 

operations: 

In thousands  

Net sales 
Gross profit 
Operating income 
Income from continuing operations 
Net loss from discontinued 

operations 

Net income 
Earnings per diluted share from 
continuing operations 
Earnings per diluted share 

Year Ended December 31 

2003 

$533,193 
79,546 
34,250 
12,986 

(325) 
12,661 

0.30 
   0.29 

2002 

$540,347 
126,281 
71,645 
37,637 

(42) 
37,595 

0.86 
0.86 

The  consolidated  results  of  operations  for  the  years 
ended December 31, 2003 and 2002 include the following 
significant items: 

In thousands, except per share 
2003 

Gain on sale of timberlands 
Restructuring related charges 
Ecusta related reserves 
Asset write downs 

After-tax 
Income (loss) 
$19,965 
(8,582) 
(7,315) 
(2,124) 

2002 

Escrow settlement 
Restructuring charges 
Environmental matters 

2,315 
(2,719) 
(1,500) 

EPS 

$0.46 
(0.20) 
(0.17) 
(0.05) 

0.05 
(0.06) 
(0.03) 

The  above  items  increased  earnings  from  continuing 
operations  by  $1.9  million,  or  $0.04  per  diluted  share  in 
2003, and decreased earnings from continuing operations 
in 2002 by $1.9 million, or $0.04 per share. The decline in 
earnings  was  primarily  due  to  lower  sales  volumes  and 
selling  prices  in  the  Specialty  Papers  business  unit  and 
higher costs of products sold, primarily due to lower non-
cash  pension  income,  higher  raw  material  prices,  and 
increased market-related down time. 

- 14 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Business Units 

The  following  table  sets  forth  profitability  information  by  business  unit  and  the  composition  of 

consolidated income from continuing operations before income taxes: 

Year Ended December 31  
In thousands 

Net sales 
Energy sales, net 
Total revenue 
Costs of products sold 
Gross profit 

SG&A 
Pension income 
Restructuring recorded as component of COS 
Restructuring charges 
Unusual items 
Gains on dispositions of plant, equipment and 

timberlands 
Total operating income (loss) 

Nonoperating income (expense) 
Income from continuing operations before 

Long Fiber & Overlay 

Other and Unallocated 

Total 

Specialty Papers 
2002 
2003 
$384,784 
$357,989 
9,814 
10,040 
394,598 
368,029 
329,304 
325,897 
65,294 
42,132 
43,347 
44,494 

2003 
$165,389 
– 
165,389 
130,838 
34,551 
16,669 

2002 
$135,715 

135,715 
102,767 
32,948 
15,193 

2003 
$9,815 
– 
9,815 
15,448 
(5,633) 
125 
(17,149) 
6,511 
6,983 
11,501 

(32,334) 
18,730 
(13,834) 

2002 
$19,848 
– 
19,848 
18,709 
1,139 
907 
(32,648) 
– 
4,249 
(2,008) 

(1,304) 
31,943 
(12,516) 

2003 
$533,193 
10,040 
543,233 
472,183 
71,050 
61,288 
(17,149)
6,511 
6,983 
11,501 

2002 
$540,347 
9,814 
550,161 
450,780 
99,381 
59,447 
(32,648) 
– 
4,249 
(2,008) 

(32,334)
34,250 
(13,834)

(1,304) 
71,645 
(12,516) 

(2,362) 
– 

21,947 
– 

17,882 
– 

17,755 
– 

income taxes 

$(2,362) 

$21,947 

$17,882 

$17,755 

$4,896 

$19,427 

$20,416 

$59,129 

Supplementary Data 
Net tons sold 
Depreciation expense 

446,110 
$44,216 

474,343 
$35,438 

42,993 
$11,813 

40,751 
$9,565 

6,463 
– 

13,109 
– 

495,566 
$56,029 

528,203 
$45,003 

Sales and Costs of Products Sold 

In thousands 
Net sales 
Energy sales – net  
Total revenues 
Costs of products sold 
Gross profit 

Gross profit as a percent 

of Net sales 

Year Ended December 31 

2003 
$533,193 
10,040 
543,233 
463,687 
$79,546 

2002 
$540,347 
9,814 
550,161 
423,880 
$126,281 

Change 
$(7,154) 
226 
(6,928) 
39,807 
$(46,735) 

14.9% 

23.4% 

The decline in  net sales  was  primarily due to a $19.8 
million net sales volume-related decline as lower volumes 
in  Specialty  Papers  and  tobacco  more  than  offset  sales 
volume growth in Long Fiber & Overlay Papers business 
units.  In  addition  each  business  unit  experienced  lower 
average  selling  prices, 
in  constant  currency  rates, 
aggregating  $13.3  million.  The  impact  of  lower  sales 
volumes and selling prices was partially offset by a $27.9 
million  favorable  effect  of  a  weaker  U.S.  dollar  on 
translated international results. 

Costs  of  products  sold  increased  $39.8  million  in  the 

comparison due to the following significant items: 

In millions 

Foreign currency changes 
Lower pension income 
Higher raw material and energy prices 
Restructuring related 
Lower sales volume  
Other 

Total 

Year Ended 
December 31, 2003 
(Favorable) 
unfavorable 

$19.8 
11.9 
10.4 
6.5 
(17.9) 
9.1 
$39.8 

In  the  preceding  table,  “other”  primarily  consisted  of 
depreciation,  market-related  downtime  and  assets  write-
offs. 

Non-Cash Pension Income  Non-cash pension income 
results  from  the  considerably  over-funded  status  of  our 
plans.  The  amount  of  pension  income  recognized  each 
year  is  determined  using  various  actuarial  assumptions 
and  certain  other  factors,  including  the  fair  value  of  our 
pension  assets  as  of  the  beginning  of  the  year.  Because 
the  value  of  our  plan  assets  as  of  January  1,  2003,  was 
lower  than  the  previous  year  and  due  to  changes  in 
actuarial  assumptions,  the  amount  of  non-cash  pension 
income recognized in 2003 was less than 2002.  

The  following  summarizes  non-cash  pension  income 

for each year. 

In thousands 
Recorded as: 
Costs of products sold 
SG&A expense 

Total  

Year Ended December 31 

2003 

2002 

Change 

$15,007 
2,142 
$17,149 

$26,900 
5,748 
$32,648 

$(11,893) 
(3,606) 
$(15,499) 

In thousands 
SG&A expenses 
Restructuring charge 
Unusual items 
Gain on sale of plant, 
equipment and 
timberlands 

Year Ended December 31 

2003 
$59,146 
6,983 
11,501 

2002 
$53,699 
4,249 
(2,008) 

Change 

$5,447 
2,734 
13,509 

(32,334) 

(1,304) 

(31,030) 

- 15 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Selling, general and administrative (“SG&A”) 
SG&A expenses increased $5.4 million during 2003 
compared to 2002. During 2003, a weaker U.S. dollar 
resulted in a $2.6 million increase in translated SG&A 
expenses for our international operations. The remaining 
increase was primarily due to a lower benefit from non-
cash pension income and higher depreciation, primarily 
attributable to an information technology system 
implemented in the latter part of 2002.  

In  2003,  we 

Restructuring  charge 

recorded 
restructuring charges related to the Neenah Restructuring 
initiative.  For  a  complete  discussion  of  this  charge,  refer 
to the analysis of 2004 versus 2003 section of this Item 7. 
In  2002  we  recorded  a  $4.2  million  charge  related  to  a 
workforce  reduction  at  our  corporate  and  Spring  Grove, 
PA locations. 

Unusual Items  Unusual items during 2003 reflect a 
charge  of  $11.5  million  related  to  our  former  Ecusta 
Division,  which  was  sold  in  2001.  Under  the  Ecusta 
Division  acquisition  agreement,  we  are  indemnified  for 
certain  liabilities  that  have  been  assumed  by  the  buyers. 
We  had  previously  accrued  liabilities  related  to  certain 
post-retirement  benefits,  workers  compensation  claims 
and  vendor  payables  and  established  a  corresponding 
receivable  due  from  the  buyers.  We  paid  the  portion  of 
sought 
these 
reimbursement from the buyers, which, to date, they have 
refused. In 2002, we recognized a $3.5 million gain from 
the  settlement  of  an  escrow  account  with  the  previous 
owners  of  our  Schoeller  &  Hoesch  Division.  This  was 
partially  offset  by  a  $1.5  million  charge  for  certain 
environmental matters related to the Pennsylvania DEP. 

liabilities 

became 

that 

due 

and 

Gain  on  Sales  of  Plant,  Equipment  and 
Timberlands    During  2003  we  recognized  a  net  gain 
from  the  sale  of  plant,  equipment  and  timberlands  of 
$32.3  million.  This  primarily  includes  a  $31.2  million 
pre-tax  gain  from  the  March  2003  sale  of  approximately 
“Maryland 
25,500 
Timberlands”) to a subsidiary of The Conservation Fund, 
a  non-profit  land  conservation  fund  (the  “Timberland 
Buyer”). 

timberlands 

acres 

(the 

of 

Foreign  Currency      We  own  and  operate  paper  and 
pulp  mills  in  Germany,  France  and  the  Philippines.  The 
local currency in Germany and France is the Euro, while 
in  the  Philippines  the  currency  is  the  Peso.  These 
operations  generate  approximately  31%  of  our  sales  and 
operating  expenses.  The  translation  of  the  results  from 
these  international  operations  into  U.S.  dollars  is  subject 
to changes in foreign currency exchange rates. 

The  following  table  summarizes  the  effect  from 
foreign currency translation on reported results compared 
to 2002: 

In thousands 

Net sales 
Costs of products sold 
SG&A expenses 
Income taxes and other 
Net income 

Year Ended 
December 31, 2003 
Favorable 
(unfavorable)
$27,869 
(19,776) 
(2,648) 
(1,278) 
$4,167 

The  above  table  only  presents  the  financial  reporting 
impact  of  foreign  currency  translations.  It  does  not 
present  the  impact  of  certain  competitive  advantages  or 
disadvantages  of  operating  or  competing  in  a  global, 
multi-currency environment. In 2003, the strengthening of 
the  Euro  relative  to  certain  other  currencies  adversely 
affecting  average  selling  prices, 
the  functional 
currency, of products sold by S&H. 

in 

LIQUIDITY AND CAPITAL RESOURCES 

is  capital 

Our  business 

intensive  and  requires 
significant  expenditures  for  new  or  enhanced  equipment, 
for environmental compliance matters and to support our 
business  strategy  and  research  and  development  efforts. 
The  following  table  summarizes  cash  flow  information 
for each of the years presented.  

In thousands 
Cash and cash equivalents at 

beginning of period 

Cash provided by (used for) 

Operating activities 
Investing activities 
Financing activities 
Discontinued operations 

Effect of exchange rate changes on 

cash 

Net cash provided (used) 

Cash and cash equivalents at 

end of period 

Year Ended 
December 31 

2004 

2003 

$15,566 

$32,219 

39,584 
42,109 
(59,753) 
– 

2,445 
24,385 

46,996 
(62,367) 
(2,462) 
(304) 

1,484 
(16,653) 

$39,951 

$15,566 

The  decrease  in  cash  generated  from  operations  was 
primarily due to payments for federal income taxes and to 
modify  the steam contract at the Neenah  facility, as  well 
as  changes  in  working  capital.  These  uses  of  cash  were 
partially offset by the $6.3 million net benefit of insurance 
recoveries in excess of cash payments pursuant to the Fox 
River Consent Decree.  

The  changes  in  investing  cash  flows  reflects  cash 
proceeds in 2004 from dispositions of property, equipment 
and  timberlands  and  lower  capital  expenditures,  which 
totaled  $18.6  million  in  2004  and  $66.8  million  in  2003. 
Prior to 2004, we completed certain major capital projects, 
including  a  paper  machine  rebuild  and  environmental 
related  initiatives. The reduction in capital expenditures is 
not  expected  to  have  a  significant  effect  on  our  results  of 

- 16 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
operations,  as  we  will  continue  to  complete  necessary 
repairs  and  maintenance  activities.  We  currently  expect 
capital expenditures in 2005 to approximate $30 million to 
$35 million. 

Excess cash flow from operating and investing activities 
during  2004  were  used  to  reduce  long-term  debt  by 
approximately $42 million and to make dividend payments.  

The following table sets forth our outstanding long-term 

indebtedness:  

In thousands 
Revolving credit facility, due June 2006 
67/8% Notes, due July 2007 
Note payable – SunTrust, due March 2008 
Other notes, various 

Total long-term debt 
Less current portion 

Long-term debt, excluding current portion 

Year Ended  
December 31 

2004 
$23,277 
150,000 
34,000 
446 
207,723 
(446) 
$207,277 

2003 
$64,047 
150,000 
34,000 
1,228 
249,275 
(806) 
$248,469 

The  significant  terms  of  the  debt  obligations  are  set 
and 

Item  8.  –  Financial  Statements 

in 

forth 
Supplementary Data, Note 16.  

During 2004 and 2003, cash dividends paid on common 
stock totaled $15.8 million and $26.9 million, respectively. 
Our Board of Directors determines what, if any, dividends 
will  be  paid  to  our  shareholders.  Dividend  payment 
decisions  are  based  upon 
then-existing  factors  and 
conditions  and,  therefore,  historical  trends  of  dividend 
payments are not necessarily indicative of future payments.  

We  are  subject  to  loss  contingencies  resulting  from 
regulation  by  various  federal,  state,  local  and  foreign 
governmental 
the 
environmental  impact  of  mills  we  operate,  or  have 
operated.  To  comply  with  environmental  laws  and 

authorities  with 

respect 

to 

regulations,  we  have  incurred  substantial  capital  and 
operating  expenditures  in  past  years.  We  anticipate  that 
environmental  regulation  of  our  operations  will  continue 
to  become  more  burdensome  and  that  capital  and 
operating  expenditures  necessary 
to  comply  with 
environmental  regulations  will  continue,  and  perhaps 
increase,  in  the  future.  In  addition,  we  may  incur 
obligations  to  remove  or  mitigate  any  adverse  effects  on 
the  environment  resulting  from  our  operations,  including 
the  restoration  of  natural  resources  and  liability  for 
personal  injury  and  for  damages  to  property  and  natural 
resources.  Because  environmental  regulations  are  not 
consistent worldwide, our ability to compete in the world 
marketplace  may  be  adversely  affected  by  capital  and 
for  environmental 
operating  expenditures 
compliance. See Item 8 – Financial Statements – Note 19 
for a summary of significant environmental matters. 

required 

We  expect  to  meet  all  of  our  near-  and  longer-term 
cash  needs  from  a  combination  of  operating  cash  flow, 
cash  and  cash  equivalents,  our  existing  credit  facility  or 
other  bank  lines  of  credit  and  other  long-term  debt. 
However,  as  discussed  in  Item  8  –  Financial  Statements 
and  Supplementary  Data  –  Note  19,  an  unfavorable 
outcome  of  various  environmental  matters  could  have  a 
material  adverse  impact  on  our  consolidated  financial 
position, liquidity and/or results of operations. 

Off-Balance-Sheet Arrangements   As of December 
31,  2004  and  2003,  we  had  not  entered  into  any  off-
balance-sheet  arrangements.  A 
financial  derivative 
instrument  to  which  we  are  a  party  and  guarantees  of 
indebtedness,  which  solely  consists  of  obligations  of 
subsidiaries  and  a  partnership,  are  reflected  in  the 
consolidated  balance  sheets  included  herein  in  Item  8  – 
Financial Statements and Supplementary Data.  

Contractual Obligations   The following table sets forth contractual obligations as of December 31, 2004. 

In thousands 
Long-term debt (1) 
Operating leases (2) 
Purchase obligations (3)  
Other long term obligations (4) 

Total 

Total 
$207,723 
15,435 
145,913 
92,357 
$461,428 

2005 

$446 
2,289 
43,059 
7,168 
$52,962 

Payments Due During the Year 
Ended December 31,  
2008 to 
2009 
$34,000 
1,428 
15,744 
12,866 
$64,038 

2006 to 
2007 
$173,277 
2,225 
29,317 
43,235 
$248,054 

2010 and 
beyond 
$– 
9,493 
57,793 
29,088 
$96,374 

(1)  Represents principal payments due on long-term debt. We have $150 million of debt maturing in July 2007 and bearing a fixed rate of interest at 
67/8%, payable semiannually, $34 million note maturing in March 2008 and bearing a fixed rate of interest of 3.82%. In addition, at December 
31, 2004, $23 million, bearing a variable interest rate, was outstanding under our revolving credit facility that matures in June 2006. 

(2)  Represents rental agreements for various land, buildings, and computer and office equipment. 
(3)  Represents open purchase order commitments and other obligations, primarily for steam and pulpwood contracts with minimum annual 

purchase obligations. In certain situations, prices are subject to variations based on market prices. In such situations, the information above is 
based on prices in effect at December 31, 2004 or expectations based on historical experience and/or current market conditions. 

(4)  Represents expected benefits to be paid pursuant to medical retirement plans and nonqualified pension plans over the next ten years and $29 

million related to cross currency swap maturing in June 2006. 

- 17 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Critical Accounting Policies and Estimates  The 
preceding  discussion  and  analysis  of  our  consolidated 
financial position and results of operations is based upon 
our  consolidated  financial  statements,  which  have  been 
prepared 
in  accordance  with  accounting  principles 
generally  accepted  in  the  United  States  of  America.  The 
preparation  of  these  consolidated  financial  statements 
requires us to make estimates and assumptions that affect 
the  reported  amounts  of  assets,  liabilities,  revenues  and 
expenses, and related disclosures of contingent assets and 
liabilities.  On  an  on-going  basis,  we  evaluate  our 
estimates,  including  those  related  to  inventories,  long-
lived  assets,  pension  and  post-retirement  obligations, 
environmental  liabilities  and  income  taxes.  We  base  our 
estimates  on  historical  experience  and  on  various  other 
assumptions  that  we  believe  are  reasonable  under  the 
circumstances,  the  results  of  which  form  the  basis  for 
making judgments about the carrying values of assets and 
liabilities that are not readily apparent from other sources. 
Actual results may differ from these estimates.  

We  believe 

the 

following 

represent 

in 
significant  and  subjective  estimates  used 
preparation of our consolidated financial statements.  

the  most 
the 

reserves 

Inventory Reserves  We  maintain 

for 
excess and obsolete inventories to reflect our inventory at 
the lower of its stated cost or market value. Our estimate 
for  excess  and  obsolete  inventory  is  based  upon  our 
assumptions about future demand and market conditions. 
If actual market conditions are more or less favorable than 
those  we  have  projected,  we  may  need  to  increase  or 
decrease our reserves for excess and obsolete inventories, 
which could affect our reported results of operations. 

Long-lived Assets  We evaluate the recoverability of 
our  long-lived  assets,  including  property,  equipment  and 
intangible  assets  periodically  or  whenever  events  or 
changes  in  circumstances  indicate  that  the  carrying 
amounts may not be recoverable. Our evaluations include 
analyses  based  on  the  cash  flows  generated  by  the 
underlying  assets,  profitability  information,  including 
estimated  future  operating  results, 
trends  or  other 
determinants  of  fair  value.  If  the  value  of  an  asset 
determined  by  these  evaluations  is  less  than  its  carrying 
amount,  a  loss  is  recognized  for  the  difference  between 
the  fair  value  and  the  carrying  value  of  the  asset.  Future 
adverse  changes  in  market  conditions  or  poor  operating 
results of the related business may indicate an inability to 
recover the carrying value of the assets, thereby possibly 
requiring an impairment charge in the future.  

Pension  and  Other  Post-Retirement  Obligations 
Accounting  for  defined-benefit  pension  plans,  and  any 
curtailments 
requires  various  assumptions, 
including,  but  not  limited  to,  discount  rates,  expected 
rates  of  return  on  plan  assets  and  future  compensation 

thereof, 

growth  rates.  Accounting  for  our  retiree  medical  plans, 
and  any  curtailments  thereof,  also  requires  various 
assumptions,  which  include,  but  are  not  limited  to, 
discount  rates  and  annual  rates  of  increase  in  the  per 
capita  costs  of  health  care  benefits.  We  evaluate  these 
assumptions  at  least  once  each  year  or  as  facts  and 
circumstances  dictate  and  make  changes  as  conditions 
warrant.  Changes  to  these  assumptions  will  increase  or 
decrease  our  reported  income,  which  will  result  in 
changes to the recorded benefit plan assets and liabilities. 

Environmental Liabilities  We maintain accruals for 
losses associated with environmental obligations when it is 
probable that a  liability  has been incurred and the amount 
of  the  liability  can  be  reasonably  estimated  based  on 
existing  legislation  and  remediation  technologies.  These 
accruals  are  adjusted  periodically  as  assessment  and 
legal  or 
remediation  actions  continue  and/or  further 
technical 
information  develops.  Such  undiscounted 
liabilities  are  exclusive  of  any  insurance  or  other  claims 
against 
third  parties.  Recoveries  of  environmental 
remediation  costs  from  other  parties,  including  insurance 
carriers, are recorded as assets when their receipt is assured 
beyond a reasonable doubt.  

Income Taxes  We  record  the  estimated  future  tax 
effects  of  temporary  differences  between  the  tax  bases  of 
assets  and  liabilities  and  amounts  reported  in  our  balance 
sheets,  as  well  as  operating  loss  and  tax  credit  carry 
forwards.  These  deferred  tax  assets  and  liabilities  are 
measured  using  enacted  tax  rates  and  laws  that  will  be  in 
effect  when  such  amounts  are  expected  to  reverse  or  be 
utilized.  We  regularly  review  our  deferred  tax  assets  for 
recoverability based on historical taxable income, projected 
future taxable income, the expected timing of the reversals 
of  existing 
tax  planning 
temporary  differences  and 
strategies.  If  we  continue  to  operate  at  a  loss  in  certain 
jurisdictions  or  are  unable  to  generate  sufficient  future 
taxable income, or if there is a material change in the actual 
effective  tax  rates  or  time  period  within  which  the 
underlying 
taxable  or 
temporary  differences  become 
deductible,  we could be required to increase the  valuation 
allowance  against  our  deferred  tax  assets  resulting  in  a 
substantial increase in our effective tax rate and a material 
adverse impact on our reported results.  

important 

Other significant accounting policies, not involving the 
same  level  of  uncertainties  as  those  discussed  above,  are 
nevertheless 
the 
Consolidated  Financial  Statements.  Refer  to  Item  8  – 
Financial  Statements  and  Supplementary  Data  –  Notes  to 
additional 
Consolidated  Financial  Statements 
accounting policies. 

to  an  understanding  of 

for 

- 18 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKS 

Dollars in thousands 
Long-term debt 
Average principal outstanding  

At fixed interest rates 
At variable interest rates 
Weighted-average interest rate 
On fixed interest rate debt 
On variable interest rate debt 

Cross-currency swap 

Pay variable – EURIBOR 
Variable rate payable 

Receive variable – US$ LIBOR 
Variable rate receivable 

2005 

Year Ended December 31 
2007 

2008 

2006 

2009 

Carrying Value 

Fair Value 

At December 31, 2004 

$184,225 
23,277 

$184,000 
23,277 

$115,250 
– 

6.31% 
2.96 

6.31% 
3.05 

5.97% 
– 

€72,985 
2.92% 
$70,000 
3.18% 

€34,993 
2.92% 
$33,562 
3.18% 

– 
– 
– 
– 

$8,500 
– 

3.82% 
– 

– 
– 
– 
– 

– 
– 

– 
– 

– 
– 
– 
– 

$184,446 
23,277 

$192,125 
23,277 

$(29,552) 

$(29,552) 

Our  market  risk  exposure  primarily  results  from 
changes in interest rates and currency exchange rates. At 
December 31, 2004, we had long-term debt outstanding of 
$207.7 million, of  which $23.3  million, or 11.2%  was at 
variable interest rates.  

The table above presents average principal outstanding 
and  related  interest  rates  for  the  next  five  years  and  the 
amount  of  a  cross-currency  swap  agreement.  Fair  values 
included  herein  have  been  determined  based  upon  rates 
currently  available  to  us  for  debt  with  similar  terms  and 
remaining maturities.  

Variable-rate  debt  outstanding  represents  borrowings 
under our revolving credit facility that incur interest based 
on the domestic prime rate or a Eurocurrency rate, at our 
option, plus a margin. At December 31, 2004, the interest 
rate  paid  was  2.96%.  A  hypothetical  100  basis  point 
increase  or  decrease  in  the  interest  rate  on  variable  rate 
debt  would  increase  or  decrease  annual  interest  expense 
by $0.2 million.  

At December 31, 2004, we had a cross-currency swap 
agreement outstanding with a termination date of June 24, 
2006.  Under  this  transaction,  we  swapped  $70.0  million 
for  approximately  €73  million,  pay  interest  on  the  Euro 
portion  of  the  swap  at  a  floating  Eurocurrency  Rate 
(EURIBOR), plus applicable margins and receive interest 

on the dollar portion of the swap at a floating U.S. dollar 
LIBOR rate, plus applicable margins. The cross-currency 
swap  is  designed  to  provide  protection  from  the  impact 
that changes in currency rates have on certain U.S. dollar-
denominated  inter-company  obligations  recorded  at  our 
S&H subsidiary in Gernsbach, Germany.  

in 

liabilities.”  Changes 

The  cross  currency  swap  is  recorded  at  fair  value  on 
the Consolidated Balance Sheet under the caption “Other 
long-term 
fair  value  are 
recognized in earnings as “Other income (expense)” in the 
Consolidated Statements of Income. Changes in fair value 
of  the  cross-currency  swap  transaction  are  substantially 
offset by changes in the value of U.S. dollar-denominated 
inter-company  obligations  when  they  are  re-measured  in 
Euros,  the  functional  currency  of  S&H  (see  Item  8  – 
Financial Statements and Supplementary Data – Note 17). 

We are subject to certain risks associated with changes 
in  foreign  currency  exchange  rates  to  the  extent  our 
operations are conducted in currencies other than the U.S. 
Dollar.  During  year  ended  December  31,  2004, 
approximately  67%  of  our  net  sales  were  shipped  from 
the United States, 29% from Germany, and 4% from other 
international locations. 

- 19 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 8.    FINANCIAL STATEMENTS AND 
SUPPLEMENTARY DATA 

that  could  have  a  material  effect  on  our  financial 
statements.  

MANAGEMENT’S  REPORT  ON 

INTERNAL 

CONTROL OVER FINANCIAL REPORTING  

is 

for 

responsible 

establishing 

Management  of  P.  H.  Glatfelter  Company  (the 
“Company”) 
and 
maintaining  adequate  internal  control  over  financial 
reporting.  The  Company’s  internal  control  over  financial 
reporting  is  a  process  designed  under  the  supervision  of 
the chief executive and chief financial officers to provide 
reasonable assurance regarding the reliability of financial 
reporting and the preparation of the Company’s financial 
statements  for  external  reporting  purposes  in  accordance 
with  accounting  principles  generally  accepted  in  the 
United States.  

As of December 31, 2004, management conducted an 
assessment of the effectiveness of the Company’s internal 
control  over  financial  reporting  based  on  the  framework 
established  in  Internal  Control  —  Integrated  Framework 
issued by the Committee of Sponsoring Organizations of 
the  Treadway  Commission  (COSO).  Based  on  this 
assessment,  management  has  determined 
the 
Company’s internal control over financial reporting as of 
December  31,  2004  is  effective  to  provide  reasonable 
assurance  regarding  the  reliability  of  financial  reporting 
and the preparation of the Company’s financial statements 
for  external  reporting  purposes  in  accordance  with 
accounting  principles  generally  accepted  in  the  United 
States. 

that 

Our  internal  control  over  financial  reporting  includes 
policies and procedures that pertain to the maintenance of 
records  that,  in  reasonable  detail,  accurately  and  fairly 
reflect  transactions  and  dispositions  of  assets;  provide 
reasonable  assurances  that  transactions  are  recorded  as 
necessary to permit preparation of financial statements in 
accordance with accounting principles generally accepted 
in  the  United  States,  and  that  receipts  and  expenditures 
are being made only in accordance with authorizations of 
management; and provide reasonable assurance regarding 
prevention  or 
timely  detection  of  unauthorized 
acquisition,  use  or  disposition  of  the  Company’s  assets 

Management’s  assessment  of  the  effectiveness  of  the 
Company’s internal control over financial reporting as of 
December  31,  2004,  has  been  audited  by  Deloitte  & 
Touche LLP, an independent registered public accounting 
firm,  as  stated  in  their  report  appearing  herein,  which 
expresses  unqualified  opinions  on  management’s 
assessment  and  on  the  effectiveness  of  the  Company’s 
internal  control  over  financial  reporting  as  of  December 
31, 2004.  

The  Company’s  management,  including  the  chief 
executive  officer  and  chief  financial  officer,  does  not 
expect  that  our  internal  control  over  financial  reporting 
will  prevent  or  detect  all  errors  and  all  frauds.  A  control 
system,  no  matter  how  well  designed  and  operated,  can 
provide  only  reasonable,  not  absolute,  assurance  that  the 
control  system’s  objectives  will  be  met.  The  design  of  a 
control system must reflect the fact that there are resource 
constraints,  and 
the  benefits  of  controls  must  be 
considered relative to their costs. Further, because of  the 
inherent  limitations  in  all  control  systems,  no  evaluation 
of  controls  can  provide  absolute  assurance 
that 
misstatements due to error or fraud will not occur or that 
all control issues and instances of fraud, if any, within the 
Company  have  been  detected.  These  inherent  limitations 
include  the  realities  that  judgments  in  decision-making 
can  be  faulty  and  that  breakdowns  can  occur  because  of 
simple  error  or  mistake.  Controls  can  also  be 
circumvented  by  the  individual  acts  of  some  persons,  by 
collusion  of  two  or  more  people,  or  by  management 
override  of  the  controls.  The  design  of  any  system  of 
controls is based, in part, on certain assumptions about the 
likelihood of future events, and there can be no assurance 
that any design will succeed in achieving its stated goals 
under  all  potential  future  conditions.  Projections  of  any 
evaluation  of  controls  effectiveness  to  future  periods  are 
subject  to  risks.  Over  time,  controls  may  become 
in  conditions  or 
inadequate  because  of  changes 
deterioration in the degree of compliance with policies or 
procedures. 

- 20 - 
GLATFELTER 

 
 
  
 
 
 
 
 
 
 
 
REPORT OF INDEPENDENT REGISTERED 

PUBLIC ACCOUNTING FIRM 

To the Board of Directors and Shareholders of 

P. H. Glatfelter Company 

We  have  audited  management’s  assessment,  included 
in  the  accompanying  Management  Report  on  Internal 
Control  Over  Financial  Reporting,  that  P.  H.  Glatfelter 
Company  and  subsidiaries  (the  “Company”)  maintained 
effective  internal  control  over  financial  reporting  as  of 
December  31,  2004,  based  on  criteria  established  in 
Internal  Control—Integrated  Framework  issued  by  the 
Committee of Sponsoring Organizations of the Treadway 
Commission. The Company’s management is responsible 
for  maintaining  effective  internal  control  over  financial 
reporting  and  for  its  assessment  of  the  effectiveness  of 
internal 
reporting.  Our 
responsibility  is  to  express  an  opinion  on  management’s 
assessment  and  an  opinion  on  the  effectiveness  of  the 
Company’s internal control over financial reporting based 
on our audit. 

financial 

control 

over 

We  conducted  our  audit  in  accordance  with  the 
standards  of  the  Public  Company  Accounting  Oversight 
Board  (United  States).  Those  standards  require  that  we 
plan and perform the audit to obtain reasonable assurance 
about  whether  effective  internal  control  over  financial 
reporting  was  maintained  in  all  material  respects.  Our 
audit  included  obtaining  an  understanding  of  internal 
control over financial reporting, evaluating management’s 
the  design  and 
assessment, 
operating 
and 
performing  such  other  procedures  as  we  considered 
necessary in the circumstances. We believe that our audit 
provides a reasonable basis for our opinions. 

testing  and  evaluating 

effectiveness  of 

control, 

internal 

A company’s internal control over  financial reporting 
is a process designed by, or under the supervision of, the 
company’s  principal  executive  and  principal  financial 
officers,  or  persons  performing  similar  functions,  and 
effected  by 
the  company’s  board  of  directors, 
management,  and  other  personnel  to  provide  reasonable 
assurance  regarding  the  reliability  of  financial  reporting 
and  the  preparation  of  financial  statements  for  external 
purposes 
in  accordance  with  generally  accepted 
accounting principles. A company’s internal control over 
financial reporting includes those policies and procedures 
that  (1)  pertain  to  the  maintenance  of  records  that,  in 
reasonable  detail,  accurately  and  fairly  reflect 
the 
transactions and dispositions of the assets of the company; 
(2)  provide  reasonable  assurance  that  transactions  are 

recorded  as  necessary  to  permit  preparation  of  financial 
in  accordance  with  generally  accepted 
statements 
accounting  principles,  and  that  receipts  and  expenditures 
of  the  company  are  being  made  only  in  accordance  with 
authorizations  of  management  and  directors  of 
the 
company; and (3) provide reasonable assurance regarding 
timely  detection  of  unauthorized 
prevention  or 
acquisition,  use,  or  disposition  of  the  company’s  assets 
that  could  have  a  material  effect  on  the  financial 
statements. 

Because of the inherent limitations of internal control 
over  financial  reporting,  including  the  possibility  of 
collusion  or  improper  management  override  of  controls, 
material  misstatements  due  to  error  or  fraud  may  not  be 
prevented or detected on a timely basis. Also, projections 
of  any  evaluation  of  the  effectiveness  of  the  internal 
control  over  financial  reporting  to  future  periods  are 
subject  to  the  risk  that  the  controls  may  become 
inadequate  because  of  changes  in  conditions,  or  that  the 
degree of compliance with the policies or procedures may 
deteriorate.  

In  our  opinion,  management’s  assessment  that  the 
Company  maintained  effective  internal  control  over 
financial  reporting  as  of  December  31,  2004,  is  fairly 
stated,  in  all  material  respects,  based  on  the  criteria 
established  in  Internal  Control—Integrated  Framework 
issued by the Committee of Sponsoring Organizations of 
the  Treadway  Commission.  Also  in  our  opinion,  the 
Company  maintained,  in  all  material  respects,  effective 
internal  control  over  financial  reporting  as  of  December 
31,  2004,  based  on  the  criteria  established  in  Internal 
Control—Integrated Framework issued by the Committee 
of  Sponsoring  Organizations 
the  Treadway 
Commission. 

of 

(United  States), 

in  accordance  with 

We  have  also  audited, 

the 
standards  of  the  Public  Company  Accounting  Oversight 
Board 
financial 
statements and financial statement schedule as of and for 
the year ended December 31, 2004, of the Company and 
our 
report  dated  March  15,  2005,  expressed  an 
unqualified  opinion  on  those  financial  statements  and 
financial statement schedule. 

the  consolidated 

Deloitte & Touche LLP 

Philadelphia, Pennsylvania 
March 15, 2005 

- 21 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
REPORT OF INDEPENDENT REGISTERED 
PUBLIC ACCOUNTING FIRM 

To the Board of Directors and Shareholders of  

P. H. Glatfelter Company 

We  have  audited  the  accompanying  consolidated 
balance  sheets  of  P.  H.  Glatfelter  Company  and 
subsidiaries  (the  “Company”)  as  of  December  31,  2004 
and  2003,  and  the  related  consolidated  statements  of 
income,  shareholders’ equity, and cash  flows  for each of 
the  three  years  in  the  period  ended  December  31,  2004. 
Our audits also included the financial statement schedule 
listed in the Index at Item 15. These financial statements 
and financial statement schedule are the responsibility of 
the  Company’s  management.  Our  responsibility  is  to 
express  an  opinion  on  the  financial  statements  and 
financial statement schedule based on our audits. 

We  conducted  our  audits  in  accordance  with  the 
standards  of  the  Public  Company  Accounting  Oversight 
Board  (United  States).  Those  standards  require  that  we 
plan and perform the audit to obtain reasonable assurance 
about whether the financial statements are free of material 
misstatement.  An  audit  includes  examining,  on  a  test 
basis, evidence supporting the amounts and disclosures in 
the financial statements. An audit also includes assessing 
the  accounting  principles  used  and  significant  estimates 
made  by  management,  as  well  as  evaluating  the  overall 
financial  statement  presentation.  We  believe  that  our 
audits provide a reasonable basis for our opinion. 

In our opinion, such consolidated financial statements 
present  fairly,  in  all  material  respects,  the  financial 
position  of  P.  H.  Glatfelter  Company  and  subsidiaries  as 
of  December  31,  2004  and  2003,  and  the  results  of  their 
operations and their cash flows for each of the three years 
in  the  period  ended  December  31,  2004,  in  conformity 
with  accounting  principles  generally  accepted  in  the 
United  States  of  America.  Also,  in  our  opinion,  the 
financial statement schedule, when considered in relation 
to  the  basic  consolidated  financial  statements  taken  as  a 
whole,  presents  fairly,  in  all  material  respects,  the 
information set forth therein. 

in  accordance  with 

We  have  also  audited, 

the 
standards  of  the  Public  Company  Accounting  Oversight 
Board (United States), the effectiveness of the Company’s 
internal  control  over  financial  reporting  as  of  December 
31,  2004,  based  on  the  criteria  established  in  Internal 
Control—Integrated Framework issued by the Committee 
the  Treadway 
of  Sponsoring  Organizations 
Commission  and  our  report  dated  March  15,  2005, 
expressed  an  unqualified  opinion  on  management’s 
assessment of the effectiveness of the Company’s internal 
control  over  financial  reporting  and  an  unqualified 
opinion  on  the  effectiveness  of  the  Company’s  internal 
control over financial reporting. 

of 

Deloitte & Touche LLP 

Philadelphia, Pennsylvania 
March 15, 2005 

- 22 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P. H. GLATFELTER COMPANY and SUBSIDIARIES 
CONSOLIDATED STATEMENTS OF INCOME 

In thousands, except per share amounts 

Net sales 
Energy sales – net 
Total revenues 
Costs of products sold 
Gross profit 

Selling, general and administrative expenses 
Restructuring charges 
Unusual items 
Gains on disposition of plant, equipment and timberlands, net 
Insurance recoveries 

Total  

Operating income  
Other nonoperating income (expense) 

Interest expense  
Interest income  
Other – net 

Total other nonoperating income (expense) 

Income from continuing operations before 

income taxes 
Income tax provision  

Income from continuing operations 

Discontinued operations 

Loss from discontinued operations 
Income tax benefit 

Loss from discontinued operations 

Net income  

Basic earnings per share 

Income from continuing operations 
Loss from discontinued operations 

Net income  

Diluted earnings per share 

Income from continuing operations 
Loss from discontinued operations 

Net income  

Year Ended December 31
2003 

2002

2004

$543,524 
9,953 
553,477 
461,063 
92,414 

$533,193 
10,040 
543,233 
463,687 
79,546 

$540,347 
9,814 
550,161 
423,880 
126,281 

59,939 
20,375 
– 
(58,509) 
(32,785) 
(10,980) 
103,394 

(13,385) 
2,012 
(1,258) 
(12,631) 

90,763 
34,661 
56,102 

– 
– 
– 
$56,102 

$1.28 
– 
$1.28 

$1.27 
– 
$1.27 

59,146 
6,983 
11,501 
(32,334) 
– 
45,296 
34,250 

(14,269) 
1,820 
(1,385) 
(13,834) 

20,416 
7,430 
12,986 

(513) 
(188) 
(325) 
$12,661 

$0.30 
(0.01) 
$0.29 

$0.30 
(0.01) 
$0.29 

53,699 
4,249 
(2,008) 
(1,304) 
– 
54,636 
71,645 

(15,103) 
1,571 
1,016 
(12,516) 

59,129 
21,492 
37,637 

(64) 
(22) 
(42) 
$37,595 

$0.87 
−
$0.87 

$0.86 
−
$0.86 

The accompanying notes are an integral part of the consolidated financial statements. 

- 23 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P. H. GLATFELTER COMPANY and SUBSIDIARIES 
CONSOLIDATED BALANCE SHEETS 

Dollars in thousands, except par values 

Assets 

Current assets 
Cash and cash equivalents 
Accounts receivable (less allowance for doubtful 
accounts:  2004 −−−− $2,364; 2003 −−−− $3,115) 

Inventories 
Prepaid expenses and other current assets 

Total current assets 

Plant, equipment and timberlands – net 

Other assets 

Total assets 

Liabilities and Shareholders' Equity 

Current liabilities 

  Current portion of long-term debt 

Short-term debt 
  Accounts payable 
  Dividends payable 

Environmental liabilities 

  Other current liabilities 

Total current liabilities 

  Long-term debt 

  Deferred income taxes 

  Other long-term liabilities 
Total liabilities 

  Commitments and contingencies 

Shareholders’ equity 

  Common stock, $.01 par value; authorized – 120,000,000 

shares; issued – 54,361,980 shares (including shares in 
treasury: 2004 –10,412,222; 2003 - 10,579,543) 

  Capital in excess of par value 
  Retained earnings 
  Deferred compensation 
  Accumulated other comprehensive income (loss) 

  Less cost of common stock in treasury 
Total shareholders’ equity 

Total liabilities and shareholders’ equity 

December 31 

2004 

2003 

$39,951 

$15,566 

60,900 
78,836 
18,765 
198,452 

59,882 
71,569 
24,685 
171,702 

520,412 

542,960 

333,406 
$1,052,270 

312,357 
$1,027,019 

$446 
3,503 
30,174 
3,955 
7,715 
58,214 
104,007 

$806 
5,000 
31,472 
3,942 
27,000 
44,250 
112,470 

207,277 

248,469 

212,074 

207,834 

108,542 
631,900 

86,815 
655,588 

– 

– 

544 
41,828 
525,056 
(1,275) 
8,768 
574,921 
(154,551) 
420,370 
$1,052,270 

544 
40,469 
484,756 
– 
2,690 
528,459 
(157,028) 
371,431 
$1,027,019 

The accompanying notes are an integral part of the consolidated financial statements. 

- 24 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P.H. GLATFELTER COMPANY and SUBSIDIARIES 
CONSOLIDATED STATEMENTS OF CASH FLOWS 

In thousands 
Operating activities 
Net income 
Loss from discontinued operations 

Income from continuing operations 

Adjustments to reconcile to net cash provided by 

continuing operations: 

Depreciation, depletion and amortization 
Pension income 
Restructuring charges and unusual items 
Deferred income tax provision 
Gains on dispositions of plant, equipment and 

timberlands, net 

Other 

Change in operating assets and liabilities 

Accounts receivable 
Inventories 
Other assets and prepaid expenses 
Other liabilities 

Net cash provided by continuing operations 
Net cash provided (used) by discontinued operations 

Net cash provided by operating activities 

Investing activities 
Purchase of plant, equipment and timberlands 
Proceeds from disposal of plant, equipment and timberlands 
Proceeds from sale of subsidiary, net of cash divested 

Net cash provided (used) by investing activities of 

continuing operations 

Net cash used by investing activities of discontinued operations 

Net cash provided (used) by investing activities  

Financing activities 
Repayment of debt under previous revolving credit agreement 
Net (repayments of) proceeds from revolving credit facility 
Proceeds from borrowing from SunTrust Financial 
Payment of dividends 
Proceeds from stock options exercised 

Net cash used by financing activities 

Effect of exchange rate changes on cash 

Net increase (decrease) in cash and cash equivalents 

Cash and cash equivalents at the beginning of period 
Cash and cash equivalents at the end of period

Supplemental cash flow information 
Cash paid (received) for  
Interest expense 
Income taxes 

Year Ended December 31 
2003 

2004

2002

$56,102 
– 
56,102 

$12,661 
(325) 
12,986 

$37,595 
(42) 
37,637 

51,598 
(17,342) 
16,483 
17,364 

(58,509) 
655 

470 
(4,276) 
(12,721) 
(10,240) 
39,584 
– 
39,584 

(18,587) 
60,171 
525 

42,109 
– 
42,109 

– 
(44,888) 
– 
(15,782) 
917 
(59,753) 

2,445 
24,385 
15,566 
$39,951

56,029 
(17,149) 
17,640 
7,779 

(32,334) 
745 

4,399 
3,060 
(359) 
(5,800) 
46,996 
(244) 
46,752 

(66,758) 
2,892 
1,499 

(62,367) 
(60) 
(62,427) 

 
(10,124) 
34,000 
(26,879) 
541 
(2,462) 

1,484 
(16,653) 
32,219 
$15,566 

45,003 
(32,648) 
(2,008) 
17,913 

(1,304) 
1,235 

5,969 
(2,816) 
(5,201) 
13,926 
77,706 
332 
78,038 

(51,108) 
1,498 
 

(49,610) 
(44) 
(49,654) 

(133,027) 
68,238 
 
(30,307) 
10,491 
(84,605) 

490 
(55,731) 
87,950 
$32,219

$11,713 
3,256 

$13,767 
(1,575) 

$17,074 
(12,419) 

The accompanying notes are an integral part of the Consolidated Financial Statements. 

- 25 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P. H. GLATFELTER COMPANY and SUBSIDIARIES 
CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY 
For the Years Ended December 31, 2004, 2003 and 2002 

In thousands, except shares outstanding 

Common 
Stock 

Capital in 
Excess of 
Par Value 

Retained 
Earnings 

Deferred 
Compen-
sation 

Accumulated 
Other 
Compre-
hensive 
Income 
(Loss) 

Treasury 
Stock 

Total 
Shareholders’ 
Equity 

Balance, January 1, 2002 
Comprehensive income 
  Net income 
  Other comprehensive income 

Foreign currency translation adjustments 
Change in market value of interest rate 

swaps, net of tax of $11 
Other comprehensive income 

Comprehensive income 
Tax effect on employee stock options 

exercised 

Cash dividends declared 
Delivery of treasury shares 
  Performance shares 
  401(k) plans 
  Director compensation 
  Employee stock options exercised – net 
Balance, December 31, 2002 
Comprehensive income 
  Net income 
  Other comprehensive income 

Foreign currency translation adjustments 

Other comprehensive income 

Comprehensive income 
Tax effect on employee stock options 

exercised 

Cash dividends declared 
Delivery of treasury shares 
  Performance shares 
  401(k) plans 
  Director compensation 
  Employee stock options exercised – net 
Balance, December 31, 2003 

Comprehensive income 
  Net income 
  Other comprehensive income 

Foreign currency translation adjustments 

Other comprehensive income 

Comprehensive income 
Tax effect on employee stock options 

exercised 

Cash dividends declared 
Issuance of restricted stock units, net 
Delivery of treasury shares 
  Restricted stock awards 
  401(k) plans 
  Director compensation 
  Employee stock options exercised – net 
Balance at December 31, 2004 

$544 

$40,968 

$488,150 

$(3,849) 

$(172,344) 

$353,469 

37,595 

37,595 

162 

(21) 
141 

(3,708) 

6,398 
6,398 

(30,467) 

495,278 

12,661 

(23,183) 

484,756 

– 

2,690 

56,102 

6,078 
6,078 

(15,802) 

(1,275) 

70 
1,373 
69 
11,753 
(159,079) 

124 
1,188 
97 
642 
(157,028) 

141 
37,736 

1,071 
(30,467) 

73 
1,392 
68 
10,491 
373,833 

12,661 

6,398 
19,059 

13 
(23,183) 

111 
981 
76 
541 
371,431 

56,102 

6,078 
62,180 

38 
(15,802) 
450 

$525,056 

$(1,275) 

$8,768 

275 
1,015 
105 
1,082 
$(154,551) 

218 
845 
93 
917 
$420,370 

1,071 

3 
19 
(1) 
(1,262) 
40,798 

13 

(13) 
(207) 
(21) 
(101) 
40,469 

38 

1,725 

(57) 
(170) 
(12) 
(165) 
$41,828 

544 

544 

$544 

The accompanying notes are an integral part of the Consolidated Financial Statements. 

- 26 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P. H. GLATFELTER COMPANY 
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

1.  ORGANIZATION 

and 

P.  H.  Glatfelter  Company 

subsidiaries 
(“Glatfelter”)  is  a  manufacturer  of  specialty  papers  and 
engineered 
in  York, 
products.  Headquartered 
Pennsylvania,  our  manufacturing  facilities  are  located  in 
Spring  Grove,  Pennsylvania;  Neenah,  Wisconsin; 
Gernsbach,  Germany;  Scaër,  France  and  the  Philippines. 
Our  products  are  marketed  throughout  the  United  States 
and  in  over  80  other  countries,  either  through  wholesale 
paper  merchants,  brokers  and  agents  or  directly  to 
customers.  

2.  ACCOUNTING POLICIES 

Principles  of  Consolidation  The  consolidated 
financial statements include the accounts of Glatfelter and 
its wholly owned subsidiaries. All intercompany balances 
and transactions have been eliminated.  

Accounting Estimates  The preparation of financial 
statements  in  conformity  with  accounting  principles 
generally  accepted  in  the  United  States  of  America 
requires management to make estimates and assumptions 
that  affect  the  reported  amounts  of  assets  and  liabilities 
and  disclosures  of  contingencies  as  of  the  balance  sheet 
date  and  the  reported  amounts  of  revenues  and  expenses 
during  the  reporting  period.  Management  believes  the 
estimates and assumptions used in the preparation of these 
consolidated  financial  statements  are  reasonable,  based 
upon  currently  available  facts  and  known  circumstances, 
but  recognizes  that  actual  results  may  differ  from  those 
estimates and assumptions.  

Reclassifications  Certain 

reclassifications  have 
been  made  to the prior  years’ statement of cash  flows to 
conform to those classifications used in the current year. 

Cash and Cash Equivalents  We classify all highly 
liquid  instruments  with  an  original  maturity  of  three 
months or less at the time of purchase as cash equivalents. 

Inventories 

Inventories  are  stated  at  the  lower  of 
cost or market. Raw materials and in-process and finished 
inventories of our domestic manufacturing operations are 
valued using the last-in, first-out (LIFO) method, and the 
supplies  inventories  are  valued  principally  using  the 
average-cost  method. 
foreign 
operations  are  valued  using  a  method  that  approximates 
average cost. 

Inventories  at  our 

Plant, Equipment and Timberlands  For  financial 
reporting  purposes,  depreciation  is  computed  using  the 
straight-line method over the estimated useful lives of the 
respective assets. For income taxes purposes, depreciation 
is  primarily  calculated  using  accelerated  methods  over 
lives established by statute or U. S. Treasury Department 
procedures.  Provision  is  made  for  deferred  income  taxes 
applicable to this difference.  

The range of estimated service lives used to calculate 
financial  reporting  depreciation  for  principal  items  of 
plant and equipment are as follows: 

Buildings 
Machinery and equipment 
Other 

10 – 45 Years 
7 – 35 Years 
4 – 40 Years 

All  timber  costs  related  to  the  reforestation  process, 
including,  taxes,  site  preparation,  planting,  fertilization, 
herbicide  application  and  thinning,  are  capitalized.  After 
20  years,  the  timber  is  considered  merchantable  and 
depletion is computed on a unit rate of usage by growing 
area  based  on  estimated  quantities  of  recoverable 
material. For purchases of land tracts with existing timber, 
inventoried  merchantable  timber  is  subject  to  immediate 
depletion based upon usage. Costs related to the purchase 
to 
timber 
of 
merchantable timber over a 10-year period, whereupon it 
is eligible for depletion. 

pre-merchantable 

transferred 

are 

Estimated  timber  volume  is  based  upon  its  current 
stage  in  the  growth  cycle.  Growth  and  yield  data  is 
developed through the use of published growth and yield 
studies as well as our own historical experience. This data 
is used to calculate volumes for established timber stands. 
Timber  is  depleted  on  an  actual  usage  basis.  For 
purchased  timber  tracts,  a  systematic  timber  inventory  is 
completed  and  volume  is  estimated  for  merchantable 
timber.  Pre-merchantable  timber  of  purchased  tracts  is 
estimated based upon its current stage in the growth cycle 
using growth and yield data. 

Maintenance  and  repairs  are  charged  to  income  and 
major  renewals  and  betterments  are  capitalized.  At  the 
time  property  is  retired  or  sold,  the  net  carrying  value  is 
eliminated  and  any  resultant  gain  or  loss  is  included  in 
income. 

- 27 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Investment Securities   Investments in debt securities 
are  classified  as  held-to-maturity  and  recorded  at 
amortized  cost  in  the  consolidated  balance  sheets  when 
we  have  the  positive  intent  and  ability  to  hold  until 
maturity. At December 31, 2004 and 2003, investments in 
debt  securities  classified  as  held-to-maturity  totaled  $9.3 
million  and  $9.8  million,  respectively.  The  noncurrent 
portion  is  included  in  “Other  assets”  on  the  consolidated 
balance sheets.  

Valuation  of  Long-lived  Assets    We  evaluate  long-
lived  assets  for  impairment  when  a  specific  event 
indicates  that  the  carrying  value  of  an  asset  may  not  be 
recoverable. Recoverability is assessed based on estimates 
of  future  cash  flows  expected  to  result  from  the  use  and 
eventual  disposition  of  the  asset.  If  the  sum  of  expected 
undiscounted cash flows is less than the carrying value of 
the  asset,  an 
is  recognized.  An 
impairment  loss,  if  any,  is  recognized  for  the  amount  by 
which  the  carrying  value  of  the  asset  exceeds  its  fair 
value. 

impairment 

loss 

Income Taxes   Income taxes are accounted for under 
the liability method. Deferred tax assets and liabilities are 
determined  based  on  differences  between  the  financial 
reporting  and  tax  basis  of  assets  and  liabilities  and  are 
measured using the enacted tax rates and laws that will be 
in  effect  when  the  differences  are  expected  to  reverse  or 
be  utilized.  Valuation  allowances,  if  any,  are  provided 
when  a  portion  or  all  of  a  deferred  tax  asset  may  not  be 
realized.  

for 
Treasury  Stock  Common  stock  purchased 
treasury  is  recorded  at  cost.  At  the  date  of  subsequent 
reissue, the treasury stock account is reduced by the cost 
of such stock on the weighted-average cost basis. 

Foreign  Currency  Translation  Our  subsidiaries 
outside  the  United  States  use  their  local  currency  as  the 
functional  currency.  Accordingly,  translation  gains  and 
losses  and  the  effect  of  exchange  rate  changes  on 
foreign 
transactions  designated  as  hedges  of  net 
investments  are  included  as  a  component  of  other 
comprehensive  income  (loss).  Transaction  gains  and 
losses are included in income in the period in which they 
occur. 

Revenue  Recognition  We  recognize  revenue  on 
product  sales  when  the  customer  takes  title  and  assumes 
the  risks  and  rewards  of  ownership.  We  record  revenue 
net of an allowance for customer returns. 

Revenue from energy sales is recognized when electricity 
is delivered to the customer. Certain costs associated with 
the  production  of  electricity,  such  as  fuel, 
labor, 
depreciation  and  maintenance  are  netted  against  energy 
sales  for  presentation  on  the  Consolidated  Statements  of 
Income.  Costs  netted  against  energy  sales  totaled  $8.3 
million, $7.7 million and $7.1 million for the years ended 
December  31,  2004,  2003  and  2002,  respectively.  Our 
current  contract  to  sell  electricity  generated  in  excess  of 
our own use expires in the year 2010 and requires that the 
customer  purchase  all  of  our  excess  electricity  up  to  a 
certain  level.  The  price  for  the  electricity  is  determined 
pursuant  to  a  formula  and  varies  depending  upon  the 
amount sold in any given year. 

on 

for 

and 

existing 

legislation 

Environmental  Liabilities  Accruals 

losses 
associated  with  environmental  obligations  are  recorded 
when it is probable that a liability has been incurred and 
the  amount  of  the  liability  can  be  reasonably  estimated 
remediation 
based 
technologies.  Costs related to environmental remediation 
are  charged  to  expense.  These  accruals  are  adjusted 
periodically  as  assessment  and  remediation  actions 
continue  and/or  further  legal  or  technical  information 
develops.  Such  undiscounted  liabilities  are  exclusive  of 
any  insurance  or  other  claims  against  third  parties. 
Environmental costs are capitalized if the costs extend the 
life  of  the  asset,  increase  its  capacity  and/or  mitigate  or 
prevent contamination from future operations. Recoveries 
of  environmental  remediation  costs  from  other  parties, 
including insurance carriers, are recorded as assets  when 
their receipt is assured beyond a reasonable doubt.  

for 

Stock-Based 

Stock-based Compensation    We account  for Stock-
based compensation in accordance with APB Opinion No. 
25,  “Accounting  for  Stock  Issued  to  Employees,”  and 
related  interpretations,  as  permitted  by  Statement  of 
Financial  Accounting  Standards  (“SFAS”)  No.  123, 
“Accounting 
Compensation.” 
Compensation  expense  for  restricted  stock  performance 
awards is recognized ratably over the performance period 
based  on  changes  in  quoted  market  prices  of  Glatfelter 
stock  and  the  likelihood  of  achieving  the  performance 
goals. This variable plan accounting recognition is due to 
the  uncertainty  of  achieving  performance  goals  and 
estimating  the  number  of  shares  ultimately  to  be  issued. 
Compensation  expense 
for  awards  of  nonvested 
Restricted Stock Units (“RSUs”) is recognized over their 
graded vesting period based on the grant-date value. The 
grant-date  value  is  determined  based  on  the  grant-date 
closing  price  of  Glatfelter  common  stock.  The  exercise 
price  of  all  employee  stock  options  is  at  least  equal  to 
their  grant-date  market  value.  Accordingly,  no 
compensation  expense  is  recorded  for  stock  options 
granted to employees.  

- 28 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
Pro Forma Information  No  compensation  expense 
has  been  recognized  for  the  issuance  of  non-qualified 
stock options. The weighted-average grant-date fair value 
of  options  granted  during  2004,  2003  and  2002,  was 
$3.31, $2.72 and $2.48, respectively.  

The fair value of each option on the date of grant was 
estimated  using  the  Black-Scholes  option-pricing  model 
using the following weighted-average assumptions: 

Risk-free interest rate 
Expected dividend yield 
Expected volatility 
Expected life 

2004 

4.50% 
3.17 
35.0 
6.5 yrs 

2003 

3.47% 
5.74 
38.9 
6.5 yrs 

2002 

4.13% 
5.15 
27.8 
6.5 yrs 

if  compensation  expense 

The  following  table  sets  forth  pro  forma  information 
as 
stock-based 
compensation  had  been  determined  consistent  with  the 
fair value method of SFAS No. 123. 

for  all 

In thousands, except per share 
Net income as reported 
Add: stock-based compensation 
expense included in reported 
net income, net of tax  

Less: stock-based compensation 
expense determined under fair 
value based method for all 
awards, net of tax 

Pro forma 
Earnings per share 
Reported – basic  
Pro forma – basic  
Reported – diluted 
Pro forma – diluted 

Year Ended December 31 
2003 
2004 
$12,661 
$56,102 

2002 
$37,595 

16 

346 

235 

(339) 
$55,779 

(1,808) 
$11,199 

(1,420)
$36,410 

$1.28 
1.27 
1.27 
1.27 

$0.29 
0.26 
0.29 
0.26 

$0.87 
0.84 
0.86 
0.83 

Earnings Per Share  Basic  earnings  per  share  are 
computed  by  dividing  net  income  by  the  weighted-
average common shares outstanding during the respective 
periods.  Diluted  earnings  per  share  are  computed  by 
dividing  net  income  by  the  weighted-average  common 
shares and common share equivalents outstanding during 
the  period.  The  dilutive  effect  of  common  share 
equivalents is considered in the diluted earnings per share 
computation using the treasury stock method. 

Fair Value of Financial Instruments  The  amounts 
reported on the Consolidated Balance Sheets for cash and 
cash  equivalents,  accounts  receivable,  other  assets,  and 
short-term  debt  approximate 
fair  value.  Financial 
derivatives are recorded at fair value. The following table 
sets  forth  carrying  value  and  fair  value  for  investment 
securities and long-term debt: 

2004 

2003 

Carrying 
Value 
$9,348 
207,723 

Fair 
Value 
$10,714 
215,402 

Carrying 
Value 
$9,838 
249,275 

Fair 
Value 
$11,353 
262,684 

Investment securities
Long-term debt 

3.  RECENT PRONOUNCEMENTS  

SFAS  No.  143,  “Accounting  for  Asset  Retirement 
Obligations,” was issued in June 2001 and applies to legal 
obligations  associated  with  the  retirement  of  long-lived 
assets  that  result  from  the  acquisition,  construction, 
development and/or the  normal operation of a long-lived 
asset. We adopted SFAS No. 143 on January 1, 2003, and 
it  did  not  impact  our  consolidated  financial  position  or 
results of operations.  

SFAS No. 145, “Rescission of SFAS No. 4, 44 and 64, 
Amendment of SFAS No. 13, and Technical Corrections,” 
was  issued  April  2002  and  was  effective  for  fiscal  years 
beginning  after  May  15,  2002.  This  statement,  among 
other things, rescinds the requirement to classify a gain or 
loss upon the extinguishments of debt as an extraordinary 
item  on  the  income  statement.  It  also  requires  lessees  to 
account for certain modifications to lease agreements in a 
manner  consistent  with 
transaction 
accounting.  We  adopted  SFAS  No.  145  on  January  1, 
2003,  and  it  did  not  impact  our  consolidated  financial 
position or results of operations. 

sale-leaseback 

SFAS No. 146, “Accounting for Costs Associated with 
Exit or Disposal Activities,” was issued in June 2002 and 
requires  recognition  of  costs  associated  with  exit  or 
disposal  activities  when  they  are  incurred  rather  than  at 
the date of a commitment to an exit or disposal plan. This 
statement  was  to  be  applied  prospectively  to  exit  or 
disposal activities initiated after December 31, 2002. We 
adopted SFAS No. 146 on January 1, 2003, and it did not 
impact  our  consolidated  financial  position  or  results  of 
operations. 

In  November  of  2002,  the  FASB  issued  Interpretation  
45, “Guarantor’s Accounting and Disclosure Requirements 
for  Guarantees,  Including  Indirect  Guarantees  of  the 
Indebtedness  of  Others”  (“FIN    45”).  FIN  45  requires 
entities 
types  of 
guarantees, and expands financial statement disclosures for 
others.  The  accounting  requirements  of  FIN  45  were 
effective for guarantees issued or modified after December 
31,  2002,  and  the  disclosure  requirements  were  effective 
for financial statements for interim or annual periods ended 

liabilities  for  certain 

to  establish 

- 29 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
after December 15, 2002. The adoption on January 1, 2003, 
of  FIN  45  did  not  have  any  significant  accounting 
implications  for  us  as  all  of  our  commitments  and 
guarantees are on behalf of our subsidiaries.  

discontinued  operations  totaled  $2.6  million  and  $3.5 
million  for  2003  and  2002,  respectively.  This  operation 
was  previously  reported  in  the  Specialty  Papers  business 
unit.  

SFAS  No.  149,  “Amendment  of  Statement  133  on 
Derivative  Instruments  and  Hedging  Activities,”  was 
issued  in  April  2003,  and  it  amends  and  clarifies 
accounting for derivative instruments including derivative 
instruments embedded in other contracts, and for hedging 
activities  under  SFAS  No.  133.  This  standard  was 
effective for contracts entered into or modified after June 
30, 2003, and its adoption did not have an impact on our 
consolidated financial position or results of operations. 

In  May  2003,  the  FASB  issued  SFAS  No.  150, 
“Accounting  for  Certain  Financial  Instruments  with 
Characteristics  of  both  Liabilities  and  Equity.”  This 
Statement  requires  an  issuer  to  classify  a  financial 
instrument  that  is  within  its  scope  as  a  liability  (or  an 
asset  in  some  circumstances).  SFAS  No.  150  was 
effective  for  financial 
into  or 
modified  after  May  31,  2003,  except  for  certain 
provisions that were deferred, and otherwise was effective 
at  the  beginning  of  the  third  quarter  of  2003.  This 
statement  did  not  affect  the  financial  instruments  we 
currently  use,  and  therefore  the  adoption  of  SFAS  No. 
150 did not impact our financial statements. 

instruments  entered 

In  December  2004,  SFAS  No.  123(R),  “Share-Based 
Payment”  was  issued.  This  standard  requires  employee 
stock  options  other  stock-based  compensation  awards  to 
be  accounted  for  under  the  fair  value  method,  and 
eliminates  the  ability  to  account  for  these  instruments 
under  the  intrinsic  value  method  prescribed  by  APB 
Opinion No. 25, and allowed under the original provisions 
of  SFAS  No.  123.  SFAS  No.  123(R)  is  effective  for 
periods beginning after June 15, 2005. We are evaluating 
the transition methods available under this standard but do 
not  expect  its  impact  to  be  material  to  our  results  of 
operations or financial position. 

4.  DISCONTINUED OPERATIONS 

In July 2003, we sold our Wisches, France subsidiary 
for  approximately  $2.0  million  and  the  assumption  of 
approximately  $1.1  million  of  debt  owed  to  us  by  our 
subsidiary.  At  closing,  we  received  $1.7  million  and  the 
remaining  amounts  were  to  be  paid  in  two  annual 
installments, the first of which was received in July 2004. 
This subsidiary is reported as discontinued operations for 
all  periods  presented.  Prior  to  the  sale,  the  underlying 
assets  were  recorded  at  the  lower  of  carrying  amount  or 
fair  value  less  cost  to  sell.  Accordingly,  loss  from 
discontinued operations for the year ended December 31, 
2003, includes a charge of $0.5 million, after tax, to write-
down  the  carrying  value  of  the  assets  prior  to  the  sale. 
from 
Revenue 

determining 

included 

results 

in 

5.  RESTRUCTURING CHARGES 

North American Restructuring Program  The 
North  American  Restructuring  Program,  which  was 
initiated  in  the  second  quarter  of  2004,  is  designed  to 
improve operating results by enhancing product and service 
offerings  in  Specialty  Papers’  book  publishing  markets, 
growing revenue from uncoated specialty papers, reducing 
our  workforce  at  our  Spring  Grove 
facility  by 
approximately  20%,  and  implementing  improved  supply 
chain  management  processes.  In  conjunction  with  this 
initiative,  we  negotiated  a  new  labor  agreement  that 
enables us to achieve targeted workforce reduction levels 
at our Spring Grove, PA facility. As part of the new labor 
agreement,  we  offered  a  voluntary  early  retirement 
benefits  package  to  eligible  employees.  These  special 
termination benefits resulted in a charge of $16.5 million 
in 2004, substantially all of which is for enhanced pension 
benefits,  post-retirement  medical  benefits  and  other 
related  employee  severance  costs.  In  addition,  we 
recorded  restructuring  charges  totaling  $0.7  million,  for 
severance  and  related  pension  and  other  post  employment 
benefits  (“OPEB”)  associated  with  the  elimination  of 
certain non-represented positions. The following table sets 
forth activity in the North American Restructuring Program 
restructuring reserve.  

In thousands 
Beginning balance 
Amounts accrued 
Payments made 
To be paid: 

From pension plan assets 
As OPEB benefits 

Ending balance 

Year Ended 
December 31, 
2004 

$0 
17,187 
(644) 

(11,255) 
(5,228) 
$60 

The  ending  balance  set  forth  above  represents  the 
portion  of  the  North  American  Restructuring  Program 
charges  that  is  expected  to  require  near  term  cash 
payments from us and primarily consist of severance and 
benefits  continuation.  Amounts  representing  enhanced 
pension benefits will be paid from our pension plan assets 
and  are  recorded  as  a  reduction  to  the  carrying  value  of 
our  prepaid  pension  assets.  The  amounts  for  OPEB 
benefits were recorded as “Other long-term liabilities” in 
the  accompanying  condensed  Consolidated  Balance 
Sheets.  We  will  pay  the  OPEB  benefits  as  they  are 
incurred  over  the  course  of  the  affected  employees’ 
benefit period, which could range up to 8 years. 

- 30 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
in 

initiative,  which  resulted 

Neenah  Restructuring  In  September  2003,  we 
announced the decision to permanently shut down a paper 
making machine and the deinking process at our Neenah, 
WI  facility.  This 
the 
elimination  of  approximately  190  positions  and  the 
modification  of  a  long-term  steam  supply  contract,  was 
initiated to allow us to reallocate resources to more fully 
support  opportunities  in  higher  growth,  more  profitable 
specialty  markets.  The  machines 
and  processes 
abandoned  had  supported  our  Specialty  Papers  business 
unit. The results for 2003 include related pre-tax charges 
of $13.5 million, of which $6.5 million are reflected in the 
consolidated  income  statement  as  components  of  cost  of 
products  sold,  and  $7.0  million  are  reflected  as 
“restructuring charges.”  

The results of operations in 2004 include $3.2 million 
of  Neenah  related  restructuring  charges,  of  which  $3.0 
million  represents  a  fee  paid  to  modify  a  steam  supply 
contract  at  the  Neenah  facility  in  connection  with  the 
restructuring  initiative.  The  remaining  amount  represents 
adjustments to estimated benefit continuation costs. 

6.  UNUSUAL ITEMS 

Unusual items in 2003 reflect an $11.5 million charge 
relating to our former Ecusta Division, which was sold in 
2001.  Under  the  Ecusta  Division  acquisition  agreement, 
we  are  indemnified  for  certain  liabilities  that  have  been 
assumed  by  the  buyers.  We  had  previously  accrued 
liabilities  related  to  certain  post-retirement  benefits, 
workers  compensation  claims  and  vendor  payables  and 
established  a  corresponding  receivable  due  from  the 
buyers.  We  paid  the  portion  of  these  liabilities  that 
became  due  and  sought  reimbursement  from  the  buyers, 
which, to date, they have refused.  

Unusual  items  in  2002  included  a  $1.5  million 
contingent liability related to environmental  matters  with 
the  Pennsylvania  Department 
of  Environmental 
Protection (“Pennsylvania DEP”). This charge was offset 
by a $3.5 million gain for the settlement of certain escrow 
claims, including interest and associated liabilities related 
to  the  1998  acquisition  of  our  Schoeller  &  Hoesch 
(“S&H”) subsidiary.  

The following table sets forth information with respect 

to Neenah restructuring charges: 

7.  GAIN ON DISPOSITIONS OF PLANT, 
EQUIPMENT AND TIMBERLANDS 

In thousands 
Contract modification fee 
Depreciation on abandoned 

equipment  

Severance and benefit continuation 
Pension and other retirement 

benefits 

Other 

Total  

Year Ended December 31 

2004 
$3,000 

– 
188 

– 
– 
$3,188 

2003 
$–

5,974 
1,874 

4,878 
768 
$13,494

The following table summarizes activity in the Neenah 

Restructuring reserve: 

In thousands 
Beginning balance 
Amounts accrued 
Payments made 

Ending balance 

Year Ended December 31 

2004 
$1,625 
3,188 
(4,065) 
$748 

2003 
$– 
2,105 
(480) 
$1,625 

As of December 31, 2004, the amounts accrued related 
to  the  Neenah  restructuring  represent  only  those  charges 
that are expected to result in cash payments and primarily 
consist  of  severance  payments,  benefits  continuation  and 
medical  retirement  benefits.  The  Neenah  restructuring 
charge  totaled  $16.7  million,  of  which  $6.5  million  was 
non-cash  related,  and  $5.4  million  is  to  be  paid  out  of 
pension plan assets. 

During  2004  and  2003,  we  completed  sales  of 
timberlands  and,  in  2004,  the  corporate  aircraft.  The 
following table summarizes these transactions. 

Dollars in thousands 
2004 
Timberlands 
Corporate Aircraft 
Other 

Total 

2003 
Timberlands 
Other 

Total 

Acres 

Proceeds  Gain/(loss) 

4,482 
n/a 
n/a 

25,500 
n/a 

$56,586 
2,861 
724 
$60,171 

$55,355 
2,554 
600 
$58,509 

$37,850 
2,892 
$40,742 

$31,234 
1,100 
$32,334 

All property sales completed in 2004 were sold for cash. 
As  consideration  for  the  timberlands  sold  in  2003,  we 
received  a  10-year  note  from  a  subsidiary  of  The 
Conservation Fund in the principal amount of $37.9 million 
(the  “Note”),  which  is  included  in  “Other  assets”  in  the 
Condensed Consolidated Balance Sheet.  

- 31 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
8.  EARNINGS PER SHARE 

10. 

INCOME TAXES 

The following table sets forth the details of basic and 

diluted earnings per share (EPS): 

In thousands, except per share 
Income from continuing operations 
Loss from discontinued operations 

Net income 

2004 
$56,102 
 

$56,102 

2003 
$12,986 
(325) 
$12,661 

2002 
$37,637 
(42) 
$37,595 

Income  taxes  are  recognized  for  the  amount  of  taxes 
payable  or  refundable  for  the  current  year  and  deferred 
tax liabilities and assets for the future tax consequences of 
events  that  have  been  recognized  in  our  consolidated 
financial statements or tax returns. The effects of income 
taxes are measured based on effective tax law and rates. 

Weighted average common shares 
outstanding used in basic EPS 

Common shares issuable upon 

exercise of dilutive stock options, 
restricted stock awards and 
performance awards 

Weighted average common shares 
outstanding and common share 
equivalents used in diluted EPS 

Basic EPS 
Income from continuing operations 
Loss from discontinued operations 

Net income  

Diluted EPS 
Income from continuing operations 
Loss from discontinued operations 

Net income  

43,856 

43,731 

43,396 

operations consisted of the following: 

The  provision  for  income  taxes  from  continuing 

167 

29 

395 

44,023 

43,760 

43,791 

$1.28 
 
$1.28 

$1.27 
 
$1.27 

$0.30 
(0.01)
$0.29 

$0.30 
(0.01)
$0.29 

$0.87 
 
$0.87 

$0.86 
 
$0.86 

In thousands 
Current taxes 
Federal 
State 
Foreign 

Deferred taxes 
Federal 
State 
Foreign 

Year Ended December 31 
2003 

2002 

2004 

$8,982 
5,262 
3,053 
17,297 

14,292 
101 
2,971 
17,364 

$(723) 
27 
347 
(349) 

1,562 
2,950 
3,267 
7,779 

$1,135 
18 
2,426 
3,579 

12,653 
167 
5,093 
17,913 

Total provision for 

income taxes from 
continuing operations 

$34,661 

$7,430 

$21,492 

The following are domestic and foreign components of 

pretax income from continuing operations: 

The  following  table  sets  forth  the  potential  common 
shares  outstanding  for  options  to  purchase  shares  of 
common  stock  that  were  outstanding  but  were  not 
included in the computation of diluted EPS for the period 
indicated, because their effect would be anti-dilutive. 

In thousands 

Potential common shares 

2004 
1,664 

2003 
1,846 

2002 
1,996 

9.  GAIN ON INSURANCE RECOVERIES  

During  2004,  we  reached  successful  resolution  of 
certain  claims  under  insurance  policies  related  to  the  Fox 
River environmental matter. Insurance recoveries included 
in  the  results  of  operations  for  2004  totaled  $32.8  million 
and were received in cash prior to December 31, 2004. 

In thousands 

United States 
Foreign 

Total pretax income  

Year Ended December 31 
2003 

2002 

2004 

$78,627 
12,136 
$90,763 

$16,968 
3,448 
$20,416 

$38,742 
20,387 
$59,129 

A  reconciliation  between  the  income  tax  provision, 
computed  by  applying  the  statutory  federal  income  tax 
rate  of  35%  to  income  before  income  taxes  from 
continuing operations, and the actual income tax: 

In thousands 
Federal income tax provision at 

Year Ended December 31 
2003 

2002 

2004 

statutory rate 

$31,767 

$7,146 

$20,695 

State income taxes, net of federal 

income tax benefit 
Tax effect of bargain sale 
Tax effect of tax credits 
Valuation allowance 
Provision for (resolution of) tax 

matters 

Other 
Total provision for income taxes 
from continuing operations 

3,486 
- 
(3,690) 
3,078 

263 
(243) 

1,935 
(3,991) 
(1,493) 
5,027 

(1,723) 
529 

120 
– 
(300) 
– 

– 
977 

$34,661 

$7,430 

$21,492 

- 32 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The sources of deferred income taxes were as follows: 

In thousands 
Deferred tax assets: 

Reserves 
Compensation 
Post-retirement benefits 
Property 
Pension 
Inventories 
Tax carryforwards 
Other 

Subtotal 

Valuation allowance 

Total deferred tax assets 

Deferred tax liabilities: 

Property 
Pension 
Installment sale 
Other 

Total deferred tax liabilities 
Net deferred tax liabilities 

2004 

2003 

$16,397 
3,344 
12,583 
182 
890 
368 
24,339 
3,023 
61,126 
(20,037) 
41,089 

124,833 
95,741 
12,521 
5,535 
238,630 
$197,541 

$19,362 
4,952 
10,448 
168 
765 
427 
27,917 
11,256 
75,295 
(15,777)
59,518 

127,262 
92,009 
12,679 
6,324 
238,274 
$178,756 

At  December  31,  2004,  the  Company  had  state  and 
foreign  tax  net  operating  loss  (“NOL”)  carryforwards  of 
$60.8 million and $11.7 million, respectively. These NOL 
carryforwards  are  available  to  offset  future  taxable 
income,  if  any.  The  state  NOL  carryforwards  expire 
between  2005  and  2024;  and 
foreign  NOL 
carryforwards do not expire.  

the 

In  addition,  the  Company  had  federal  charitable 
contribution carryforwards of $11.1 million, which expire 
in  2008,  federal  foreign  tax  credit  carryforwards  of  $0.9 
million,  which  expire  between  2013  and  2014,  and 
various  state  tax  credit  carryforwards  totaling  $5.0 
million, which expire between 2005 and 2019.  

The Company has established a valuation allowance of 
$20.0 million against the net deferred tax assets, primarily 
due to the uncertainty regarding the ability to utilize state 
tax  carryforwards,  a  federal  charitable  contribution 
carryforward, and certain deferred foreign tax credits. 

At December 31, 2004 and 2003, unremitted earnings 
of  subsidiaries  outside  the  United  States  deemed  to  be 
permanently  reinvested  totaled  $55.9  million  and  $42.5 
million, respectively. Because the unremitted earnings of 
subsidiaries  are  deemed  to  be  permanently  reinvested  as 
of December 31, 2004, no deferred tax liability has been 
recognized in the Company’s financial statements. 

The  American  Jobs  Creation Act  of  2004  (the  “Act”) 
was signed into law on October 22, 2004. The Act creates 
a  temporary  incentive  for  U.S.  corporations  to  repatriate 
accumulated  income  abroad  by  providing  an  85  percent 
dividends  received  deduction  for  certain  dividends  from 
controlled  foreign  corporations.  As  of  December  31, 
2004, management has not decided whether, and to what 
extent,  the  Company  would  repatriate  foreign  earnings 
under the Act. Neither the amount of repatriation nor the 
related  income  tax  effect  from  such  repatriation  can  be 
reasonably estimated at this time. The income tax effect is 
dependent  upon  a  number  of  factors,  which  are  being 
analyzed, including, among others, the cost of financing, 
the cash requirements of foreign entities and the issuance 
the  U.S.  Treasury 
of  additional  guidance 
Department.  The  Company  will  continue  to  analyze  the 
effect  of  this  provision  and  expects  to  complete  this 
analysis  before  the  end  of  2005,  and  will  recognize  the 
income  tax  effect,  if  any,  in  the  period  when  a  decision 
whether to repatriate is made.  

from 

The net deferred taxes reported on our Consolidated Balance Sheets as of December 31 are as follows: 

In thousands 
Current asset 
Current liability 
Long-term asset 
Long-term liability 

2004 

Federal 
$7,880 

State 

$322 

159,143 

28,234 

Foreign 
$708 
1,010 
6,633 
24,697 

Total 
$8,910 
1,010 
6,633 
212,074 

The components of the net deferred tax balances as of December 31 are as follows: 

In thousands 
Deferred tax assets: 

Current 
Long-term 

Deferred tax liabilities: 

Current 
Long-term 

Federal 

State 

Foreign 

Total 

2004 

$7,880 
21,395 
$29,275 

– 
180,538 
$180,538 

$322 
4,151 
$4,473 

– 
32,385 
$32,385 

- 33 - 
GLATFELTER 

$708 
6,633 
$7,341 

$8,910 
32,179 
$41,089 

$1,010 
24,697 
$25,707 

$1,010 
237,620 
$238,630 

$1,071 
237,203 
$238,274 

2003 
Total 
$22,095 
1,071 
8,054 
207,834 

2003 
Total 

$22,095 
37,423 
$59,518 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
11.  STOCK-BASED COMPENSATION 

On April 23, 1997, the common shareholders amended 
the  1992  Key  Employee  Long-Term  Incentive  Plan 
(“1992  Plan”)  to  authorize,  among  other  things,  the 
issuance of up to 5,000,000 shares of Glatfelter common 
stock to eligible participants. The 1992 Plan provides for 
restricted  stock  awards,  non-qualified  stock  options, 
performance 
stock  options  and 
incentive 
performance units. To date, there have been no grants of 
incentive stock options or performance units. 

shares, 

2004, 

Restricted Stock Units  During 

157,280 
nonvested RSUs,  net of forfeitures,  were awarded, under 
the  1992  Key  Employee  Long-Term  Incentive  Plan,  to 
executive officers and other key employees. Under terms 
of the awards, the RSUs vest based solely on the passage 
of time on a graded scale over a three, four, and five-year 
period.  On  the  grant  date,  the  RSUs,  net  of  forfeitures 
were  valued  at  $1.7  million  and  were  recorded  as 
“Deferred  compensation,”  a  contra-equity  account  in  the 
accompanying  Condensed  Consolidated  Balance  Sheet. 
Stock-based  compensation  expense  with  respect  to  the 
RSUs totaled $0.5 million during the 2004. 

Restricted  Stock  Performance  Awards  The 
following  table  summarizes  shares  of  restricted  common 
stock awarded under the 1992 Plan: 

For the year ended December 31: 

2003 
2002 

Awards 
2,660
29,926 

Awards  issued  in  2003  and  2002  vest  ratably  over  a 
three-year  period.  Awarded  shares  are  subject 
to 
forfeiture, in whole or in part, if the recipient ceases to be 
an employee within a specified time period. Awards made 
in 2003 and 2002 are also subject to forfeiture if targeted 
earnings per share or shareholder returns measures are not 
met.  

The  number  of  shares  otherwise  required  to  be 
delivered may be reduced by an amount that would have a 
fair  market  value  equal  to  the  taxes  we  withhold  on 
delivery.  We  may  also,  at  our  discretion,  elect  to  pay  to 
the recipients in cash an amount equal to the  fair  market 
value of the shares that would otherwise be delivered. The 
following  table  summarizes  stock-based  compensation 
expense  with  respect  to  restricted  stock  performance 
awards for each of the past three years: 

In thousands 

2004 
2003 
2002 

Compensation 
Expense 
$(443)
533 
362 

Non-Qualified Stock Options 

The following table summarizes the activity with respect to non-qualified options 

to purchase shares of common stock granted under the 1992 Plan: 

Outstanding at beginning of year 
Granted 
Exercised 
Canceled 
Outstanding at end of year 

Shares 
2,304,339 
51,250 
(72,850) 
(184,127) 
2,098,612 

2004 

2003 

2002 

Weighted-
Average 
Exercise Price 
$14.71 
11.18 
12.61 
15.51 
14.65 

Shares 
2,828,529 
40,990 
(43,287) 
(521,893) 
2,304,339 

Weighted-
Average 
Exercise Price 
$15.00 
11.75 
12.60 
16.47 
14.71 

Shares 
3,736,182 
309,450 
(790,800) 
(426,303) 
2,828,529 

Weighted-
Average 
Exercise Price 
$14.79 
13.98 
13.26 
15.60 
15.00 

Exercisable at end of year 

1,956,439 

$15.17 

1,410,614 

$15.45 

1,436,681 

$15.94 

- 34 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following table summarizes information about stock options outstanding at December 31, 2004: 

Options Outstanding 
Weighted-
Average 
Remaining 
Contractual Life

4.9 
6.4 
5.9 
2.4 
5.1 

Weighted-
Average 
Exercise Price 

$12.11 
13.28 
15.74 
18.13 

Shares 
434,810 
732,097 
471,275 
460,430 
2,098,612 

Option Exercisable 

Weighted-
Average 
Exercise Price 

$12.25 
13.32 
15.74 
18.13 

Number 
Outstanding 
373,237 
651,497 
471,275 
460,430 
1,956,439 

$10.78 to $12.41 
12.95 to 14.44 
15.44 to 17.16 
17.54 to 18.78 

An  additional  112,720  options  became  exercisable 
January  1,  2005  at  a  weighted-average  exercise  price  of 
$12.42.  

In  December  2003, 

Options granted prior to 2002 become exercisable for 
25% of the grant amount, beginning January 1 of the year 
following  the  date  of  grant,  assuming  six  months  has 
passed.  An  additional  25%  become  exercisable  on 
January  1  of  each  of  the  next  three  years.  Options  not 
exercisable in this format are exercisable in full either six 
months or one year from the date of grant. Stock options 
granted  after  December  31,  2001  vest  ratably  over  three 
years beginning January 1 of the  year  following the date 
of  grant. 
the  Compensation 
Committee  accelerated  the  vesting  of  options  granted 
during  December  2001  and  December  2002,  to  become 
fully  vested  as  of  January  1,  2004.  Vesting  was 
accelerated for an aggregate  of 639,610 shares, of  which 
98,300 were previously vested under their original terms. 
Since  the  options’  exercise  price  was  greater  than  the 
market value of the underlying common stock at the time 
vesting  was  accelerated,  no  compensation  expense  was 
recognized.  All  options  expire  on 
the  earlier  of 
termination  or,  in  some  instances,  a  defined  period 
subsequent  to  termination  of  employment,  or  ten  years 
from the date of grant.  

The  exercise  price  represents  the  average  quoted 
market  price  of  Glatfelter  common  stock  on  the  date  of 
grant,  or  the  average  quoted  market  prices  of  Glatfelter 
common stock on the first day before and after the date of 
grant  for  which  quoted  market  price  information  was 
available if such information was not available on the date 
of grant. 

The  1992  plan,  as  amended,  expires  in  2007.  As  of 
December  31,  2004,  1,205,815  shares  of  common  stock 
were available for future issuance under the 1992 Plan. 

12.  RETIREMENT PLANS AND OTHER POST-

RETIREMENT BENEFITS 

We  have  both  funded  and,  with  respect  to  our 
noncontributory 

international  operations, 

unfunded 

defined-benefit pension plans covering substantially all of 
our  employees.  The  benefits  are  based,  in  the  case  of 
certain plans, on average salary and years of service and, 
in the case of other plans, on a fixed amount for each year 
the 
of  service.  Plan  provisions  and  funding  meet 
requirements  of 
Income 
Security  Act  of  1974.  We  use  a  December  31-
measurement date for all of our defined benefit plans.  

the  Employee  Retirement 

employees.  These 

We also provide certain health care benefits to eligible 
retired 
a 
comprehensive  medical  plan  for  retirees  prior  to  age  65 
and  fixed  supplemental  premium  payments  to  retirees 
over age 65 to help defray the costs of Medicare. The plan 
is not funded and claims are paid as reported. 

benefits 

include 

In millions 
Change in Benefit Obligation 
Balance at beginning of 

Pension Benefits 
2003 
2004 

Other Benefits 
2003 
2004 

year 

Service Cost 
Interest Cost 
Plan amendments 
Actuarial loss 
Benefits paid 
Impact of curtailments 
Impact of special 

termination benefits 
Balance at end of year 

$267.2 
3.9 
16.1 
0.2 
15.9 
(18.4) 
(0.5) 

$249.8 
3.7 
16.3 
4.7 
10.0 
(17.0) 
(0.3) 

10.8 
$295.2 

– 
$267.2 

$39.7 
1.0 
2.4 

2.0 
(3.6) 
5.1 

0.1 
46.7 

$49.4 
1.0 
2.5 
(4.6) 
(4.3) 
(4.0) 
(0.3) 

– 
$39.7 

Change in Plan Assets 
Fair value of plan assts at 
beginning of year 
Actual return on plan 

assets 

Employer contributions 
Benefits paid 
Fair value of plan assets 

at end of year 

Reconciliation of Funded 

Status 
Funded Status 
Unrecognized transition 

assets 

Unrecognized prior 
service cost 

Unrecognized (gain) loss 
Net amount recognized 

$445.7 

$385.9 

$– 

$ 

35.8 
2.5 
(18.4) 

74.5 
2.3 
(17.0) 

– 
3.6 
(3.6) 

 
4.0 
(4.0) 

$465.6 

$445.7 

$ 

$ 

$170.4 

$178.5 

$(46.7) 

$(39.7) 

– 

(0.9) 

– 

– 

21.7 
33.4 
$225.5 

24.3 
15.2 
$217.1 

(6.8) 
21.1 
$(32.4) 

(7.6) 
20.4 
$(26.9) 

- 35 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The net prepaid pension cost for qualified pension plans 
is  primarily  included  in  “Other  assets,”  and  the  accrued 
pension  cost  for  non-qualified  pension  plans  and  accrued 
post-retirement  benefit  costs  are  primarily  included  in 
“Other  long-term  liabilities”  on  the  Consolidated  Balance 
Sheets at December 31, 2004 and 2003. 

Amounts  recognized  in  the  consolidated  balance  sheet 

consist of the following as of December 31: 

In millions 
Prepaid benefit cost 
Accrued benefit liability 
Net amount recognized 

Pension Benefits 
2003 
2004 
$236.3 
$245.4 
(19.2) 
(19.9) 
$217.1 
$225.5 

Other Benefits 
2003 
2004 
$ 
$– 
(26.9) 
(32.4) 
$(26.9) 
$(32.4) 

The  accumulated  benefit  obligation  for  all  defined 
benefit  pension  plans  was  $283.2  million  and  $262.2  at 
December 31, 2004 and 2003, respectively. 

The weighted-average assumptions used in computing 

the benefit obligations above were as follows: 

Discount rate – benefit 

obligation 

Future compensation 

growth rate  

Pension Benefits 
2003 
2004 

Other Benefits 
2003 
2004 

5.75% 

6.25% 

5.75% 

6.25% 

4.0 

4.0 

 

 

Information  for  pension  plans  with  an  accumulated 
benefit obligation in excess of plan assets was as follows: 

In millions 
Projected benefit obligation 
Accumulated benefit obligation 
Fair value of plan assets 

2004 
$23.1 
21.8 
– 

2003 
$29.8 
27.1 
– 

Net  periodic  benefit  (income)  cost  includes  the 

following components: 

In millions 
Pension Benefits 
Service cost 
Interest cost 
Expected return on plan assets 
Amortization of transition asset 
Amortization of prior service cost 
Recognized actuarial (gain) loss 
Net periodic benefit (income) cost 
Special termination benefits 
Curtailment and settlement  
Total net periodic benefit 

(income) cost 

Other Benefits 
Service cost 
Interest cost 
Amortization of prior service cost 
Recognized actuarial (gain) loss 
Net periodic benefit (income) cost 
Special termination benefits 
Plan amendments 
Total net periodic benefit cost 

Year Ended December 31 
2003 
2004 

2002 

$3.9 
16.1 
(39.4) 
(0.8) 
2.4 
0.4 
(17.4) 
– 
11.4 

$3.7  
16.3  
(38.7) 
(1.3) 
2.8  
0.0  
(17.2) 
5.4  
– 

$4.3  
15.5  
(46.7) 
(1.9) 
1.4  
(5.3) 
(32.7) 
1.7 
– 

$(6.0) 

$(11.8) 

$(31.0) 

$1.0 
2.4 
(0.7) 
1.2 
3.9 
5.2 
– 
$9.1 

$1.0 
2.5 
(0.8) 
1.1 
3.8 
(0.5) 
(0.7) 
$2.6 

$1.4 
3.2 
(0.4) 
1.4 
5.6 
– 
– 
$5.6 

The weighted-average assumptions used in computing 
the  net  periodic  benefit  (income)  cost  information  above 
were as follows: 

In millions 
Pension Benefits 
Discount rate – benefit expense 
Future compensation growth rate 
Expected long-term rate of return on 

plan assets 

Other Benefits 
Discount rate – benefit expense 
Future compensation growth rate 
Expected long-term rate of return on 

plan assets 

Year Ended December 31 
2003 
2004 

2002 

6.25% 
4.0 

6.75% 
4.0 

7.0% 
3.5 

8.5 

8.5 

9.0 

6.25% 
– 

6.75% 
– 

7.0% 
– 

– 

– 

– 

To  develop  the  expected  long-term  rate  of  return 
assumption,  we  considered  the  historical  returns  and  the 
future expected returns for each asset class, as well as the 
target  asset  allocation  of  the  pension  portfolio.  This 
resulted  in  the  selection  of  the  8.5%  long-term  rate  of 
return on plan assets assumption for 2004. 

- 36 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Assumed  health  care  cost  trend  rates  at  December  31 

were as follows: 

Health care cost trend rate assumed for 

next year 

Rate to which the cost trend rate is 
assumed to decline (the ultimate 
trend rate) 

Year that the rate reaches the 

ultimate rate 

2004 

2003 

11.5% 

13.0% 

5.0 

2014 

5.0 

2013 

Assumed health care cost trend rates have a significant 
effect  on  the  amounts  reported  for  health  care  plans.  A 
one percentage-point change  in assumed health care cost 
trend rates would have the following effects: 

In thousands 
Nonqualified pension plans 
Other benefit plans 

$1,680
4,983 

Defined  Contribution  Plans    We  maintain  401(k) 
for  certain  hourly  and  salaried  employees. 
plans 
Employees  may  contribute  up  to  15%  of  their  salary  to 
these plans, subject to certain restrictions. We will match 
a  portion  of  the  employee’s  contribution,  subject  to 
certain  limitations,  in  the  form  of  shares  of  Glatfelter 
common  stock.  The  expense  associated  with  our  401(k) 
match was $0.7 million, $0.7 million and $1.2 million in 
2004, 2003 and 2002, respectively. 

In thousands 
Effect on: 

One percentage point 
decrease 
increase 

13. 

INVENTORIES 

Post-retirement benefit obligation 
Total of service and interest cost 

components 

$3,744 

$(3,303) 

376 

(325) 

Plan Assets  Glatfelter’s pension plan weighted-
average allocations at December 31, 2004 and 2003, by 
asset category, are as follows: 

Asset Category 
Equity securities 
Debt securities 
Cash and real estate 

Total 

2004 

2003 

66% 
30 
4 
100% 

74% 
18 
8 
100% 

Our  objective  is  to  achieve  an  above-market  rate  of 
return  on  our  pension  plan  assets.  Based  upon  this 
objective, along  with the timing of benefit payments and 
the  risks  associated  with  various  asset  classes  available 
for  investment,  we  have  established  the  following  asset 
allocation guidelines: 

Equity 
Fixed Income & Other 

Minimum 
60% 
20% 

Target 
70% 
30% 

Maximum 
80% 
40% 

Real  estate  can  be  between  0%  and  5%  of  the  target 
equity allocation. Glatfelter stock can also be between 0% 
and  5%  of  the  target  equity  allocation,  although  there 
were  no  holdings  of  Glatfelter  stock  as  of  December  31, 
2004  or  2003.  Our  investment  policy  prohibits  the 
investment  in  certain  securities  without  the  approval  of 
the  Finance  Committee  of  the  Board  of  Directors. 
Regarding Fixed Income securities, the weighted-average 
credit  quality  will  be  at  least  “AA”  with  a  “BBB” 
minimum credit quality for each issue. 

Cash Flow  We do not expect to make contributions 
to our qualified pension plans in 2005. Contributions and 
benefit payments expected to be made in 2005 under our 
non-qualified  pension  plans  and  other  benefit  plans  are 
summarized below: 

Inventories, net of reserves were as follows: 

In thousands 
Raw materials 
In-process and finished 
Supplies 
Total 

2004 
$14,974 
39,327 
24,535 
$78,836 

2003 
$15,106 
32,145 
24,318 
$71,569 

If we had valued all inventories using the average-cost 
method,  inventories  would  have  been  $12.6  million  and 
$14.4 million higher than reported at December 31, 2004 
and 2003, respectively. During 2003 we liquidated certain 
LIFO  inventories,  the  effect  of  which  did  not  have  a 
significant impact on net income.  

At December 31, 2004 and 2003, the recorded value of 
the above inventories was approximately $0.8 million and 
$1.6  million,  respectively,  lower  than  inventories  for 
income tax purposes. 

14.  PLANT, EQUIPMENT AND TIMBERLANDS 

Plant,  equipment  and  timberlands  at  December  31 

were as follows: 

In thousands 
Land and buildings 
Machinery and equipment 
Other 
Accumulated depreciation  

Construction in progress 
Timberlands, less depletion 
Plant, equipment and timberlands – net 

2004 
$137,668 
902,835 
85,891 
(611,852) 
514,542 
3,219 
2,651 
$520,412 

2003 
$129,130 
880,897 
86,306 
(560,291) 
536,042 
4,454 
2,464 
$542,960 

- 37 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
15.  OTHER CURRENT LIABILITIES 

Other current liabilities is summarized as follows: 

In thousands 
Accrued payroll and benefits 
Other accrued compensation and 

retirement benefits 
Income taxes payable 
Other accrued expenses 

Total 

16.  LONG-TERM DEBT 

December 31 
2003 
$13,791 

2004 
$19,525 

8,838 
15,317 
14,534 
$58,214 

6,929 
1,565 
21,965 
$44,250 

Long-term debt is summarized as follows: 

In thousands 
Revolving credit facility, due June 2006 
67/8% Notes, due July 2007 
Note payable – SunTrust, due March 2008 
Other notes, various 

Total long-term debt 
Less current portion 

Long-term debt, excluding current portion 

December 31 
2003 
$64,047 
150,000 
34,000 
1,228 
249,275 
(806) 
$248,469 

2004 
$23,277 
150,000 
34,000 
446 
207,723 
(446) 
$207,277 

On  June  24,  2002,  we  entered  into  an  unsecured 
$102.5  million  multi-currency  revolving  credit  facility 
(the “Facility”) with a syndicate of three major banks. An 
additional  $22.5  million  was  added  to  the  Facility  on 
September  24,  2002  with  a  fourth  major  bank.  The 
Facility, which replaced an old facility, enables Glatfelter 
or  its  subsidiaries  to  borrow  up  to  the  equivalent  of 
$125.0  million  in  certain  currencies.  Borrowings  can  be 
made for any time period from one day to six months and 
incur  interest  based  on  the  domestic  prime  rate  or  a 
Eurocurrency  rate,  at  our  option,  plus  a  margin  ranging 
from  .525  to  1.05.  The  margin  and  a  facility  fee  on  the 
commitment balance are based on the higher of our debt 
ratings as published by Standard & Poor’s and Moody’s. 
The  Facility  requires  us  to  meet  certain  leverage  and 
interest  coverage  ratios,  both  of  which  we  are  in 
compliance with at December 31, 2004. 

On July 22, 1997, we issued  $150.0 million principal 
amount of 67/8% Notes due July 15, 2007. Interest on the 
Notes is payable semiannually on January 15 and July 15. 
The  Notes  are  redeemable,  in  whole  or  in  part,  at  our 
option  at  any  time  at  a  calculated  redemption  price  plus 
accrued and unpaid interest to the date of redemption, and 
constitute  unsecured  and  unsubordinated  indebtedness. 
The  net  proceeds  from  the  sale  of  the  Notes  were  used 
primarily  to  repay  certain  short-term  unsecured  debt  and 
related interest. 

On  March  21,  2003,  we  sold  approximately  25,500 
acres of timberlands and received as consideration a $37.9 
million  10-year  interest  bearing  note  receivable  from  the 
Timberland  Buyer.  We  pledged  the  Note  as  collateral 
under  a  $34.0  million  promissory  note  payable  to 
SunTrust  Financial  (the  “Note  Payable”).  The  Note 
Payable  bears  interest  at  a  fixed  rate  of  3.82%  for  five 
years at which time we can elect to renew the obligation. 

P. H. Glatfelter  Company guarantees debt obligations 
of all its subsidiaries. All such obligations are recorded in 
these consolidated financial statements. 

At December 31, 2004 and 2003, we had $4.0 million 
and $3.3 million, respectively, of letters of credit issued to 
us  by  a  financial  institution.  The  letters  of  credit  are  for 
the  benefit  of  certain  state  workers  compensation 
insurance agencies in conjunction with our self-insurance 
program.  No  amounts  were  outstanding  under  the  letters 
of  credit.  We  bear  the  credit  risk  on  this  amount  to  the 
extent  that  we  do  not  comply  with  the  provisions  of 
certain agreements. The letters of credit do not reduce the 
amount available under our lines of credit. 

17.  CROSS-CURRENCY SWAP 

In conjunction  with our 2002 refinancing,  we entered 
into  a  cross-currency  swap  transaction  effective  June  24, 
2002.  Under  this  transaction,  we  swapped  $70.0  million 
for  approximately  €73.0  million  and  will  pay  interest  on 
the  Euro  portion  of  the  swap  at  a  floating  Eurocurrency 
Rate, plus applicable margins and will receive interest on 
the  dollar  portion  of  the  swap  at  a  floating  U.S.  Dollar 
LIBOR, plus applicable margins. The contract matures on 
June  24,  2006.  The  cross-currency  swap  is  designed  to 
provide  protection  from  the  impact  that  changes  in 
currency  rates  have  on  certain  U.S.  dollar-denominated 
inter-company  obligations  recorded  at  our  subsidiary  in 
Gernsbach,  Germany.  The  cross-currency  swap 
is 
recorded in the Consolidated Balance Sheets at fair value 
of $(29.6) and $(22.0) million at December 31, 2004 and 
2003,  respectively,  under  the  caption  “Other  long-term 
liabilities.”  Changes  in  fair  value  are  recognized  in 
current  earnings  as  “Other  income  (expenses)”  in  the 
Consolidated  Statements  of  Income.  The  mark-to-market 
adjustment was offset by the related remeasurement of the 
U.S. dollar denominated inter-company obligations. 

The  credit 

risks  associated  with  our 

financial 
derivatives  are  controlled  through  the  evaluation  and 
monitoring  of  creditworthiness  of  the  counterparties. 
Although  counterparties  may  expose  us  to  losses  in  the 
event of nonperformance, we do not expect such losses, if 
any, to be significant.  

- 38 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
18.  SHAREHOLDERS’ EQUITY 

The following table summarizes outstanding shares of 

common stock: 

In thousands 
Shares outstanding at 
beginning of year 

Treasury shares issued for: 

Restricted stock 

performance awards 

401(k) plan 
Director compensation 
Employee stock options 

exercised 

Shares outstanding at end of 

Year Ended December 31, 
2003 

2002 

2004 

43,782 

43,644 

42,750 

19 
69 
7 

73 

8 
80 
7 

43 

5 
92 
6 

791 

year 

43,950 

43,782 

43,644 

19.  COMMITMENTS, CONTINGENCIES AND 

LEGAL PROCEEDINGS 

Contractual Commitments  The 
the  minimum  annual 

following 
table 
rentals  due  on 
summarizes 
noncancelable  operating 
similar 
contractual  obligations  having  initial  or  remaining  terms 
in  excess  of  one  year.    Other  contractual  obligations 
primarily  represent  minimum  purchase  commitments 
under steam, energy and pulp wood supply contracts. 

leases  and  other 

In thousands 
2005  
2006  
2007 
2008 
2009 

Leases 
2,289 
1,166 
1,059 
733 
695 

Other 
21,086 
19,726 
7,872 
7,722 
7,700 

At  December  31,  2004,  required  minimum  annual 
rentals  due  under  operating  leases  and  other  similar 
contractual  obligation  aggregated  $15.4  million  and 
$121.9 million, respectively. 

an 

(the 

Ecusta Division Matters 
acquisition 

In  August  2001,  pursuant 
to 
“Acquisition 
agreement 
Agreement”), we sold the assets of our Ecusta Division to 
four related entities, consisting of Purico (IOM) Limited, 
an  Isle  of  Man  limited  liability  company  (“Purico”),  and 
RF&Son Inc. (“RF”), RFS US Inc. (“RFS US”) and RFS 
Ecusta Inc. (“RFS Ecusta”), each of which is a Delaware 
corporation, (collectively, the “Buyers”).  

In  August  2002, 

the  Buyers  shut  down 

the 
manufacturing  operation  of  the  pulp  and  paper  mill  in 
Pisgah  Forest,  North  Carolina,  which  was  the  most 
significant  operation  of  the  Ecusta  Division.  On  October 
23,  2002,  RFS  Ecusta  and  RFS  US  filed  for  bankruptcy 
under Chapter 7 of the U.S. Bankruptcy Code. During the 
fourth quarter of 2002, in accordance with the provisions 
of the  Acquisition  Agreement,  we notified  the Buyers of 

third party claims (“Third Party Claims”) made against us 
for  which  we  are  seeking  indemnification  from  the 
Buyers. The Third Party Claims primarily relate to certain 
post-retirement  benefits,  workers  compensation  claims 
and vendor payables.  

Effective  August  8,  2003,  the  assets  of  RFS  Ecusta 
and RFS US,  which substantially consist of the pulp and 
paper mill and related real property, were sold to several 
third parties unrelated to the Buyers (the “New Buyers”). 
We  understand  the  New  Buyers’  business  plan  was  to 
continue  certain  mill-related  operations  and  to  convert 
portions of the mill site into a business park.  

(“NCDENR”), 

Beginning  in  April  2003,  governmental  authorities, 
including the North Carolina Department of Environment 
and  Natural  Resources 
initiated 
discussions  with  us  and  the  New  Buyers  regarding, 
among  other  environmental  issues,  certain  potential 
landfill  closure  liabilities  (“Landfill  Closure  Costs”) 
associated  with  the  Ecusta  mill  and  its  properties.  The 
discussions  focused  on  NCDENR’s  desire  to  establish  a 
plan and secure financial resources to close three landfills 
located  at  the  Ecusta  facility  and  to  address  other 
environmental  matters  at  the  facility.  During  the  third 
quarter  of  2003,  the  discussions  ended  with  NCDENR’s 
conclusion  to  hold  us  responsible  for  the  closure  of  the 
landfills. In March 2004, the NCDENR issued us an order 
requiring the closure of one of the three landfills at issue. 
We intend to pursue reimbursement for any such Landfill 
Closure Costs from the Buyers under the indemnification 
provisions of the Acquisition Agreement.  

Based on our analysis of available information and our 
landfill  closure  experience,  we  estimated  the  Landfill 
Closure  Costs  would  total  approximately  $7.6  million. 
During  2003,  we  established  a  reserve  in  this  amount 
through charges to our results of operations. In November 
2004,  in  compliance  with  the  March  2004  NCDENR 
order,  we  completed  the  physical  closure  of  the  subject 
landfill.  As  of  December  31,  2004,  our  reserve  for 
Landfill Closure Costs declined to $6.4 million, reflecting 
costs paid to date. We believe this reserve to be adequate 
based  on  our  assessment  of  remaining  Landfill  Closure 
Costs to be incurred. 

In addition to Landfill Closure Costs, prior to 2003 we 
had recorded liabilities for Third Party  Claims, primarily 
related 
for 
approximately $2.2 million. 

compensation 

to  workers 

claims, 

We continue to believe the Buyers are responsible for 
the  Landfill  Closure  Costs  and  the  Third  Party  Claims 
under  provisions  of  the  Acquisition  Agreement,  and 
to  seek 
believe  we  have  a  strong 
indemnification. We intend to pursue appropriate avenues 
to enforce the provisions of the Acquisition Agreement.  

legal  basis 

- 39 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In October 2004, the bankruptcy trustee  for the estates 
of  RFS  Ecusta  and  RFS  US  filed  a  complaint  in  the  U.S. 
Bankruptcy  Court  for  the  Western  District  of  North 
Carolina  against  certain  of  the  Buyers  and  other  related 
parties  (“Defendant  Buyers”)  and  us.  The  complaint 
alleges,  among  other  things,  that  the  Defendant  Buyers 
engaged  in  fraud  and  fraudulent  transfers  and  breached 
their  fiduciary  duties.  With  respect  to  Glatfelter,  the 
complaint alleges that we aided and abetted the Defendant 
Buyers in their purported actions in the Defendant Buyers’ 
structuring  of  the  acquisition  of  the  Ecusta  Division  and 
asserts a claim against us under the Bankruptcy Code. The 
trustee  seeks damages  from  us in an amount not less  than 
$25.8  million,  plus  interest,  and  other  relief.  We  believe 
these  claims  are  largely  without  merit  and  we  are 
vigorously defending ourselves in this action. Accordingly, 
no  amounts  have  been  recorded  in  the  accompanying 
consolidated financial statements. 

The bankruptcy trustee filed another complaint, also in 
the  U.S.  Bankruptcy  Court  for  the  Western  District  of 
North Carolina, against us, certain banks and other parties, 
seeking, among other things, damages totaling $6.5 million 
for  alleged  breaches  of  the  Acquisition  Agreement  (the 
“Breach  Claims”),  release  of  certain  amounts  held  in 
escrow  totaling  $3.5  million  (the  “Escrow  Claims”)  and 
recoveries of unspecified amounts allegedly payable under 
the Acquisition Agreement and a related agreement. As we 
previously disclosed, we were first notified of the potential 
Breach Claims in July 2002, which are primarily related to 
the physical condition of the Ecusta mill at the time of sale. 
We believe these claims are without merit. With respect to 
the Escrow Claims, the trustee seeks the release of certain 
amounts  held  in  escrow  related  to  the  sale  of  the  Ecusta 
Division,  of  which  $2.0  million  was  escrowed  at  the  time 
of  closing  in  the  event  of  claims  arising  such  as  those 
asserted  in  the  Breach  Claim.  The  Escrow  Claims  also 
include amounts alleged to total $1.5  million arising  from 
sales  by  us  of  certain  properties  at  or  around  the  Ecusta 
mill. We have previously reserved such escrowed amounts 
and  they  are  recorded  in  the  accompanying  Condensed 
Consolidated  Balance  Sheets  as  “Other 
long-term 
liabilities.”  We  are  vigorously  defending  ourselves  in  this 
action. 

Further,  governmental  authorities  are  continuing  to 
monitor  the  environmental  conditions  at  the  Ecusta  mill. 
We  are  uncertain  as  to  what  additional  Ecusta-related 
claims,  including  environmental  matters,  if  any,  may  be 
asserted  against  us.  In  September  2004,  one  of  the  New 
Buyers  entered  into  a  Brownfield  Agreement  with  the 
NCDENR relating to the Ecusta mill. We believe that the 
New  Buyers  continue  to  have  discussions  with  the 
governmental  authorities  concerning  certain  other 
environmental  related  matters  at  the  former  Ecusta 
facility.  The  likelihood  and  extent  of  potential  claims 

against us could be mitigated by the successful execution 
of the New Buyers’ business plan. Should any claims be 
made  against  us,  we  would  seek  indemnification  to  the 
extent  possible  in  accordance  with  the  terms  of  the 
Acquisition  Agreement.  We  cannot  ascertain  at  this  time 
what additional impact, if any, these matters will have on 
our  consolidated  financial  position  and/or  results  of 
operations,  and  no  amounts  with  respect  thereto  have 
been recorded. 

Environmental  Matters  We  are  subject  to  loss 
contingencies  resulting  from  regulation  by  various 
federal,  state,  local  and  foreign  governmental  authorities 
with respect to the environmental impact of our mills. To 
comply with environmental laws and regulations, we have 
incurred substantial capital and operating expenditures in 
past years. We anticipate that environmental regulation of 
our operations will continue to become more burdensome 
and  that  capital  and  operating  expenditures  necessary  to 
comply with environmental regulations will continue, and 
perhaps increase, in the future. In addition, we may incur 
obligations  to  remove  or  mitigate  any  adverse  effects  on 
the  environment  resulting  from  our  operations,  including 
the  restoration  of  natural  resources  and  liability  for 
personal  injury  and  for  damages  to  property  and  natural 
resources.  Because  environmental  regulations  are  not 
consistent worldwide, our ability to compete in the world 
marketplace  may  be  adversely  affected  by  capital  and 
for  environmental 
operating  expenditures 
compliance. 

required 

In 

1999, 

Spring  Grove,  Pennsylvania 

the 
Pennsylvania  Department  of  Environmental  Protection 
(“DEP”)  issued  to  us  a  Notice  of  Violation  (“NOV”) 
alleging violations of air pollution control laws primarily 
for  purportedly 
to  obtain  appropriate  pre-
construction  air  quality  permits  in  conjunction  with  the 
installation  of  a  turbine  generator  at  our  Spring  Grove 
facility. 

failing 

The  Pennsylvania  DEP’s  NOV  pertained 

to  a 
modification  for  which  we  did  not  receive  a  pre-
construction  permit.  In  October  2004,  we  entered  into  a 
Consent  Order  and  Agreement  with  the  Pennsylvania 
DEP  that  requires  us  to  pay  a  $0.1  million  penalty, 
complete certain other corrective actions and install an air 
pollution  control  device  at  the  Spring  Grove  facility,  the 
related capital expenditure requirement does not represent 
a material amount. This agreement did not have a material 
impact  on  our  consolidated  financial  position  or  our 
results of operations. 

Neenah, Wisconsin  We  have  previously  reported 
with respect to potential environmental claims arising out 
of the presence of polychlorinated biphenyls (“PCBs”) in 
sediments in the lower Fox River and in the Bay of Green 
Bay,  downstream  of  our  Neenah,  Wisconsin  facility.  We 

- 40 - 
GLATFELTER 

 
 
 
 
 
 
 
 
acquired  the  Neenah  facility  in  1979  as  part  of  the 
acquisition of the Bergstrom Paper Company. In part, this 
facility  used  wastepaper  as  a  source  of  fiber.  At  no  time 
did the Neenah facility utilize PCBs in the pulp and paper 
making  process,  but  discharges 
facility 
containing  PCBs  from  wastepaper  may  have  occurred 
from  1954  to  the  late  1970s. Any  PCBs  that  the  Neenah 
facility  discharged  into  the  Fox  River  resulted  from  the 
presence  of  NCR®-brand  carbonless  copy  paper  in  the 
wastepaper that was received from others and recycled.  

from 

the 

As  described  below,  various  state  and  federal 
governmental  agencies  have  formally  notified  nine 
potentially responsible parties (“PRPs”), including us, that 
they  are  potentially  responsible  for  response  costs  and 
“natural  resource  damages”  (“NRDs”)  arising  from  PCB 
contamination  in  the  lower  Fox  River  and  in  the  Bay  of 
Green  Bay,  under  the  Comprehensive  Environmental 
Response, Compensation and Liability Act (“CERCLA”) 
and  other  statutes.  The  other  identified  PRPs  are  NCR 
Corporation, Appleton Papers Inc., Georgia Pacific Corp. 
(formerly  Fort  Howard  Corp.  and  Fort  James),  WTM  I 
Co.  (a  subsidiary  of  Chesapeake  Corp.),  Riverside  Paper 
Corporation,  U.S.  Paper  Mills  Corp.  (a  subsidiary  of 
Sonoco  Products  Company),  Sonoco  Products  Company, 
and Menasha Corporation.  

CERCLA establishes a two-part liability structure that 
makes  responsible  parties  liable  for  (1)  “response  costs” 
associated with the remediation of a release of hazardous 
substances  and  (2)  NRDs  related  to  that  release.  Courts 
have  interpreted  CERCLA  to  impose  joint  and  several 
liabilities  on  responsible  parties  for  response  costs, 
subject  to  equitable  allocation  in  certain  instances.  Prior 
to a final settlement by all responsible parties and the final 
cleanup  of  the  contamination,  uncertainty  regarding  the 
application of such liability will persist. 

in  which 

The  areas  of  the  lower  Fox  River  and  in  the  Bay  of 
Green  Bay 
the  contamination  exists  are 
commonly referred to as Operable Unit 1 (“OU1”), which 
consists of Little Lake Butte des Morts, the portion of the 
river that is closest to our Neenah facility, Operable Unit 
2 (“OU2”) which is the portion of the river between dams 
at  Appleton  and  Little  Rapids  and  Operable  Units  3 
through  5  (“OU3–5”),  an  area  approximately  20  miles 
downstream of our Neenah facility.  

The  following  summarizes  the  status  of  our  potential 

exposure: 

Response Actions 
OU1  and  OU2    On  January  7,  2003,  the  Wisconsin 
Department of Natural Resources (the “Wisconsin DNR”) 
and the Environmental Protection Agency (“EPA”) issued 
a  Record  of  Decision  (“ROD”)  for  the  cleanup  of  OU1 
and  OU2.  Subject  to  extenuating  circumstances  and 
alternative solutions arising during the cleanup, the ROD 
requires  the  removal  of  approximately  784,000  cubic 
yards of sediment from OU1 and no active remediation of 
OU2.  The  ROD  also  requires  the  monitoring  of  the  two 
operable units. Wisconsin DNR and EPA estimate that the 
remedy for these two reaches will cost approximately $75 
million but could cost within a range from approximately 
$52 million to $112 million. 

On July 1, 2003, WTM I entered into an Administrative 
Order  on  Consent  (“AOC”)  with  EPA  and  the  Wisconsin 
DNR regarding the implementation of the Remedial Design 
for OU1.  

On  October  1,  2003,  the  U.S.  Department  of  Justice 
lodged a consent decree regarding OU1 (“the OU1 Consent 
Decree”)  with  the  U.S.  District  Court  for  the  Eastern 
District  of  Wisconsin.  In  the  first  quarter  of  2004,  the 
United  States  District  Court  for  the  Eastern  District  of 
Wisconsin entered the OU1 Consent Decree. Under terms 
of the OU1  Consent  Decree, Glatfelter and WTM I each 
agreed to pay approximately $27 million, of which $25.0 
million from each was placed in escrow to fund response 
work  associated  with  remedial  actions  specified  in  the 
ROD. In addition, EPA agreed to take steps to place $10 
million  from  another  source  into  escrow  for  the  OU1 
cleanup.  The  remaining  amount  agreed  to  be  paid  under 
the consent decree is for NRD, NRD assessment and Past 
Costs incurred by the government.  

The response work will be managed and/or performed 
by  Glatfelter  and  WTM  I,  with  governmental  oversight, 
and funded by the amounts placed into escrow. Based on 
information  currently  available  to  us,  we  believe  the 
required  remedial  actions  can  be  completed  with  the 
amount  of  monies  committed  under  the  Consent  Decree. 
If 
to  an 
is 
insufficiency of escrow funds, Glatfelter and WTM I each 
remain  potentially  responsible  for  the  costs  necessary  to 
complete the remedial actions.  

the  Consent  Decree 

terminated  due 

The  terms  of  the  OU1  Consent  Decree  and  the 
underlying escrow agreement restrict the use of the funds to 
qualifying remediation activities or restoration activities at 
the  lower  Fox  River.  In  mid  2004,  together  with  WTM  I, 
we  began  activities  to  remediate  the  area  known  as  OU1. 
These activities included, among others, construction of de-
watering 
and 
water-treatment 
commencement  of  dredging  of  portions  of  the  OU1.  In 
2004  we  completed  dredging,  dewatering  and  disposal 

facilities, 

and 

- 41 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
activities covering of approximately 18,000 cubic yards of 
contaminated sediment from various locations in OU1. 

The  terms  of  the  OU1  Consent  Decree  include 
provisions  to  be  followed  should  the  escrow  account  be 
depleted prior to completion of the response work. In this 
event,  each  company  would  be  notified  and  be  provided 
an  opportunity  to  contribute  additional  funds  to  the 
escrow account and thereby to preserve the OU1 Consent 
Decree.  Should  the  OU1  Consent  Decree  be  terminated 
for this reason, each company  would lose the protections 
contained in the settlement and the governments may turn 
to one or both parties for the completion of OU1 clean up. 
In  such  a  situation,  the  governments  may  also  seek 
response  work  from  a  third  party,  or  perform  the  work 
themselves  and  seek  response  costs  from  any  of  the 
identified PRPs, including Glatfelter. 

At December 31, 2004, our portion of the escrow fund 
totaled  approximately  $20.2  million,  of  which  $7.2 
million  is  recorded  in  the  accompanying  Condensed 
Consolidated  Balance  Sheet  under  the  caption  “Prepaid 
expenses  and  other  current  assets”  and  $13.0  million  is 
the  caption  “Other  assets.”  As  of 
included  under 
December  31,  2004,  our  reserve  for  environmental 
liabilities,  substantially  all  of  which 
is  for  OU1 
remediation activities, totaled $21.1 million.  

OU3  –  5  On  July  28,  2003,  the  EPA  and  the 
Wisconsin  DNR  issued  a  ROD  (the  “Second  ROD”)  for 
the  cleanup  of  OU3  –  5.  The  Second  ROD  calls  for  the 
removal  of  6.5  million  cubic  yards  of  sediment  and 
certain monitoring at an estimated cost of $324.4 million 
but  could,  according  to  the  Second  ROD,  cost  within  a 
range  from  approximately  $227.0  million  to  $486.6 
million. The most significant component of the estimated 
costs  is  attributable  to  large-scale  sediment  removal  by 
dredging. 

During  the  first  quarter  of  2004,  NCR  Corp.  and 
Georgia  Pacific  Corp.  entered  into  an  AOC  with  the 
United  States  EPA  under  which  they  agreed  to  perform 
the Remedial Design for OU3-5, thereby accomplishing a 
first step towards remediation. 

We  do  not  believe  that  we  have  more  than  a  de 
minimis 
share  of  any  equitable  distribution  of 
responsibility  for  OU3–5  after  taking  into  account  the 
location  of  our  Neenah  facility  relative  to  the  site  and 
considering  other  work  or  funds  committed  or  expended 
by us. However, uncertainty regarding responsibilities for 
the  cleanup  of  these  sites  continues  due  to  disagreement 
over a fair allocation or apportionment of responsibility. 

Natural Resource Damages 

The ROD and Second 
ROD  do  not  place  any  value  on  claims  for  NRDs 
associated with this matter. As noted above, NRD claims 
are distinct from costs related to the primary remediation 
of a Superfund site. Calculating the value of NRD claims 
is  difficult,  especially  in  the  absence  of  a  completed 
remedy  for  the  underlying  contamination.  The  State  of 
Wisconsin,  the  United  States  Fish  and  Wildlife  Service 
(“FWS”), 
the  National  Oceanic  and  Atmospheric 
Administration  (“NOAA”),  four  Indian  tribes  and  the 
Michigan  Attorney  General  have  asserted  that  they 
possess  NRD  claims  related  to  the  lower  Fox  River  and 
the Bay of Green Bay.  

In  June  1994,  FWS  notified  the  then  identified  PRPs 
that it considered them potentially responsible for NRDs. 
The federal, tribal and Michigan agencies claiming to be 
NRD  trustees  have  proceeded  with  the  preparation  of  an 
NRD assessment. While the final assessment has yet to be 
completed, the federal trustees released a plan on October 
25,  2000  that  values  their  NRDs  for  injured  natural 
resources  between  $176  million  and  $333  million.  We 
believe  that  the  federal  NRD  assessment  is  technically 
and  procedurally  flawed.  We  also  believe  that  the  NRD 
claims  alleged  by  the  various  alleged  trustees  are  legally 
and factually without merit. 

The OU1 Consent Decree required that Glatfelter and 
WTM I each pay the governments $1.5 million for NRDs 
for the Fox River site, and $150,000 for NRD assessment 
costs.  Each  of  these  payments  was  made  in  return  for 
credit  to  be  applied  toward  each  settling  company’s 
potential  liability  for  NRDs  associated  with  the  entire 
river. 

Other Information  The Wisconsin DNR and FWS 
have published studies, the latter in draft form, estimating 
the amount of PCBs discharged by each identified PRP to 
the  lower  Fox  River  and  the  Bay  of  Green  Bay.  These 
reports  estimate  our  Neenah  facility’s  share  of  the 
volumetric  discharge  to  be  as  high  as  27%.  We  do  not 
believe the volumetric estimates used in these studies are 
accurate because the studies themselves disclose that they 
are not accurate and are based on assumptions for which 
there  exists  no  evidence.  We  believe  that  our  volumetric 
contribution  is  significantly  lower  than  the  estimates. 
Further,  we  do  not  believe  that  a  volumetric  allocation 
would constitute an equitable distribution of the potential 
liability  for the contamination. Other  factors, such as the 
location  of  contamination,  location  of  discharge  and  a 
party’s  role  in  causing  discharge  must  be  considered  in 
order for the allocation to be equitable.  

We have entered into interim cost-sharing agreements 
with four of the other PRPs, pursuant to which such PRPs 
have  agreed  to  share  both  defense  costs  and  costs  for 
scientific  studies  relating  to  PCBs  discharged  into  the 

- 42 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
lower  Fox  River.  These  interim  cost-sharing  agreements 
have no bearing on the final allocation of costs related to 
this matter. Based upon our evaluation of the magnitude, 
nature and location of the  various discharges of PCBs to 
the  river  and  the  relationship  of  those  discharges  to 
identified  contamination,  we  believe  our  share  of  any 
liability among the identified PRPs is much less than our 
per capita share of the cost sharing agreement. 

We  also  believe  that  there  exist  additional  potentially 
responsible  parties  other  than  the  identified  PRPs.  For 
instance,  certain  of  the  identified  PRPs  discharged  their 
wastewater through public wastewater treatment facilities, 
which  we  believe  makes  the  owners  of  such  facilities 
potentially responsible in this matter. We also believe that 
entities providing wastepaper-containing PCBs to each of 
the recycling mills are also potentially responsible for this 
matter. 

While the OU1 Consent Decree clarifies exposure we 
may  have  with  regard  to  the  Fox  River  site,  it  does  not 
completely  resolve  our  potential  liability  related  to  this 
matter. We continue to believe that this matter may result 
in litigation, but cannot predict the timing,  nature, extent 
or  magnitude  of  such  litigation.  We  currently  are  unable 
to predict our ultimate cost related to this matter.  

Reserves for Environmental Liabilities  We  have 
reserves  for  environmental  liabilities  with  contractual 
obligations and for those environmental matters for which 
it is probable that a claim will be made, that an obligation 
may  exist  and  for  which  the  amount  of  the  obligation  is 
reasonably  estimable.  The  following  table  summarizes 
information with respect to such reserves as of December 
31, 2004 and 2003. 

In millions 
Recorded as: 
Environmental liabilities 
Other long-term liabilities 

Total 

December 31,  

2004 

2003 

$7.7 
13.9 
$21.6 

$27.0 
2.4 
$29.4 

The  classification  of  our  environmental  liabilities  is 
based  on  the  development  of  the  underlying  remediation 
plan  and  execution  of  the  related  escrow  agreement  for 
the  funding  thereof.  The  reserve  balance  declined  as  a 
result  of  payments  associated  with  remediation  activities 
under  the  OU1  Consent  Decree  and  items  related  to  the 
Fox River matter. We did not record charges to our results 
of  operations  during  2004  or  2003  related  to  these 
matters.  

Other  than  with  respect  to  the  OU1  Consent  Decree, 
timing  of  future  expenditures  for 
the  amount  and 
environmental  compliance,  cleanup,  remediation  and 
personal  injury,  NRDs  and  property  damage  liabilities 
cannot  be  ascertained  with  any  certainty  due  to,  among 

other  things,  the  unknown  extent  and  nature  of  any 
contamination, the extent and timing of any technological 
advances  for  pollution  abatement,  the  response  actions 
that  may  be  required,  the  availability  of  qualified 
remediation contractors, equipment and landfill space and 
the number and financial resources of any other parties. 

Range  of  Reasonably  Possible  Outcomes  –  Neenah, 
Wisconsin 
Based  on  currently  available  information, 
including  actual  remediation  costs  incurred  to  date,  we 
believe that the remediation of OU1 will be satisfactorily 
completed  for  the  amounts  expected  to  be  committed 
under  the  OU1  Consent  Decree.  Our  assessment  is 
dependent,  in  part,  on  successful  use  of  anticipated 
dredging  techniques  and  the  ultimate  extent  of  such 
dredging, and on the successful negotiation of acceptable 
contracts to complete remediation related activities. 

The  OU1  Consent  Decree  does  not  address  response 
costs  necessary  to  remediate  the  remainder  of  the  Fox 
River  site  and  only  addresses  NRDs  and  claims  for 
reimbursement  of  government  expenses  to  a  limited 
extent. Due to judicial interpretations that  find CERCLA 
imposes  joint  and  several  liability,  uncertainty  persists 
regarding  our  exposure  with  respect  to  the  remainder  of 
the Fox River site.  

Based on our analysis of currently available information 
the  cleanup  of  hazardous 
and  experience  regarding 
substances, we believe that it is reasonably possible that our 
costs  associated  with  the  lower  Fox  River  and  the  Bay  of 
Green Bay may exceed our reserves by amounts that may 
prove  to  be  insignificant  or  that  could  range,  in  the 
aggregate, up to approximately $115 million, over a period 
that  is  undeterminable  but  could  range  beyond  20  years. 
We believe that the likelihood of an outcome in the upper 
end  of  the  monetary  range  is  significantly  less  than  other 
possible outcomes within the range and that the possibility 
of an outcome in excess of the upper end of the monetary 
range is remote.  

In our estimate of the upper end of the range, we have 
considered:  (i)  the  remedial  actions  agreed  to  in  the  OU1 
Consent Decree and our belief that the required actions can 
be  accomplished  with  the  funds  to  be  escrowed  under  the 
OU1  Consent  Decree;  and  (ii)  no  active  remediation  of 
OU2. We have also assumed dredging for the remainder of 
the  River  and  the  Bay  of  Green  Bay,  as  set  forth  in  the 
Second  ROD,  although  at  a  significantly  higher  cost  than 
estimated in the Second ROD. We have also assumed our 
share  of  the  ultimate  liability  to  be  18%,  which  is 
significantly  higher than  we believe  is  appropriate or than 
we  will  incur  and  a  level  of  NRD  claims  and  claims  for 
reimbursement  of  expenses  from  other  parties 
that, 
although reasonably possible, is unlikely.  

- 43 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In 

reserves 

estimating  both  our 

for 
current 
remediation  and  other  environmental 
environmental 
liabilities  and  the  possible  range  of  additional  costs,  we 
have  not  assumed  that  we  will  bear  the  entire  cost  of 
remediation and damages to the exclusion of other known 
PRPs  who  may be jointly and severally  liable. The ability 
of  other  PRPs  to  participate  has  been  taken  into  account, 
generally  based  on  their  financial  condition  and  probable 
contribution.  Our  evaluation  of  the  other  PRPs’  financial 
condition 
the  review  of  publicly  disclosed 
financial  information.  Furthermore,  we  believe  certain  of 
these  PRPs  have  corporate  or  contractual  relationships 
with  additional  entities 
that  may  shift  monetary 
obligations arising  from the lower Fox  River and Bay of 
Green  Bay.  The  relative  probable  contribution  is  based 
upon  our  knowledge  that  at  least  two  PRPs  manufactured 
the  paper  and  arranged  for  the  disposal  of  the  wastepaper 
that included the PCBs and as such, in our opinion, bear a 
higher level of responsibility. 

included 

is  based  upon 

In  addition,  our  assessment 

the 
magnitude,  nature  and  location  of  the  various  discharges 
of  PCBs  to  the  river  and  the  relationship  of  those 
discharges  to  identified  contamination.  We  have  also 
considered  that  over  a  number  of  years,  certain  facilities 
were  under 
large  multinational 
companies  that  appear  to  retain  some  liability  for  this 
matter.  We  continue  to  evaluate  our  exposure  and  the 
level  of  our  reserves,  including,  but  not  limited  to,  our 
potential share of the costs and NRDs, if any, associated 
with the lower Fox River and the Bay of Green Bay.  

the  ownership  of 

Summary  Our current assessment is that we should 
be able to manage these environmental matters without a 
long-term,  material  adverse  impact  on  the  Company. 
These  matters  could,  however,  at  any  particular  time  or 
for  any  particular  year  or  years,  have  a  material  adverse 
effect  on  our  consolidated  financial  position,  liquidity 
and/or  results  of  operations  or  could  result  in  a  default 
under  our  loan  covenants.  Moreover,  there  can  be  no 
assurance that our reserves will be adequate to provide for 
future  obligations  related  to  these  matters,  that  our  share 
of costs and/or damages for these matters will not exceed 
our  available  resources,  or  that  such  obligations  will  not 
have  a 
long-term,  material  adverse  effect  on  our 
consolidated  financial  position,  liquidity  or  results  of 
operations.  With  regard  to  the  lower  Fox  River  and  the 
Bay  of  Green  Bay,  if  we  are  not  successful  in  managing 
the implementation of the OU1 Consent Decree and/or if 
we are ordered to implement the remedy proposed in the 
Second  ROD,  such  developments  could  have  a  material 
adverse  effect  on  our  consolidated  financial  position, 
liquidity  and  results  of  operations  and  may  result  in  a 
default under our loan covenants. 

We  are  also  involved  in  other  lawsuits  that  are 
ordinary  and  incidental  to  our  business.  The  ultimate 
outcome  of  these  lawsuits  cannot  be  predicted  with 
certainty; however, we do not expect that such lawsuits in 
the aggregate or individually will have a material adverse 
effect  on  our  consolidated  financial  position,  liquidity  or 
results of operations. 

We  believe  that  we  are  insured  against  certain  losses 
related to the lower Fox River and the Bay of Green Bay, 
depending  on  the  nature  and  amount  of  the  losses.  On 
July 30, 2003,  we  filed a  Complaint in the  Circuit Court 
for  the  County  of  Milwaukee,  Wisconsin,  against  our 
insurers,  seeking  damages  for  breach  of  contract  and 
declaratory  relief  related  to  such  losses.  One  of  the 
insurers that is a defendant in our Wisconsin litigation has 
filed  a  counter-suit  against  us  in  the  U.S.  District  Court 
for the Middle District of Pennsylvania. The filing of our 
lawsuit  followed  the  issuance  of  a  Wisconsin  Supreme 
Court  opinion  regarding  environmental  coverage  issues 
that  is  favorable  to  policyholders.  In  2004,  we  reached 
successful  resolution  of  certain  claims  under  insurance 
policies  related  to  the  Fox  River  environmental  matter. 
Insurance recoveries included in the results of operations 
for  the  year  ended  2004  totaled  $32.8  million  and  were 
fully received in cash prior to the end of the year.  

- 44 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
20.  SEGMENT AND GEOGRAPHIC INFORMATION 

In connection with the implementation of the North American Restructuring Program and other initiatives, during 2004, we 
changed  the  way  we  manage  our  business  and  transitioned  from  three  distinct  business  units  to  two:  the  Europe-based  Long 
Fiber  &  Overlay  Papers  business  unit  and  the  North  America-based  Specialty  Papers  business  unit.  While  the  Long  Fiber  & 
Overlay  Papers  business  unit  remains  unchanged,  the  formation  of  the  Specialty  Papers  business  unit,  which  consists  of  the 
former  Engineered  Products  and  the  Printing  &  Converting  Papers  business  units,  allows  us  to  more  effectively  manage  the 
demand  planning  process,  optimize  product  mix,  minimize  process  variability  and  meet  the  demands  of  our  customers.  As  a 
result of this transition, all segment data has been restated to give effect to the further refinement of our organizational structure 
discussed  above.  The  following  table  sets  forth  profitability  and  other  information  by  business  unit  for  the  year  ended 
December 31:  

In millions 
Net sales 
Energy sales, net 
Total revenue 
Cost of products sold 
Gross profit 

SG&A 
Pension income 
Restructuring recorded as 
component of COS 

Restructuring charges 
Unusual items 
Gains on dispositions of 
plant, equipment and 
timberlands 

Gain on insurance recoveries 
Total operating income 
(loss) 
Nonoperating income 
(expense) 
Income from continuing 
operations before income 
taxes 

Supplemental Data 
Plant, equipment and 
timberlands, net  
Depreciation expense 

Specialty Papers 
2003 
$358 
10 
368 
326 
42 
44 

2002 
$385 
10 
395 
329 
66 
44 

2004 
$337 
10 
347 
312 
35 
38 

Long Fiber & Overlay 
2003 
$165 
– 
165 
131 
34 
17 

2002 
$135 
– 
135 
103 
32 
14 

2004 
$205 
– 
205 
164 
41 
23 

Other and Unallocated 
2003 
$10 
– 
10 
15 
(5) 
– 
(17) 

2004 
$1 
– 
1 
1 
– 
– 
(17) 

2002 
$20 
– 
20 
19 
1 
1 
(33) 

– 
20 
– 

7 
7 
12 

(58) 
(33) 

(32) 
– 

– 
4 
(2) 

(1) 
– 

2004 
$543 
10 
553 
477 
76 
61 
(17) 

– 
20 
– 

Total 
2003 
$533 
10 
543 
471 
72 
61 
(17) 

7 
7 
12 

(58) 
(33) 

(32) 
– 

(3) 

(2) 

22 

18 

17 

18 

88 

19 

32 

103 

34 

2002 
$540 
10 
550 
451 
99 
59 
(33) 

– 
4 
(2) 

(1) 
– 

72 

$(3) 

$(2) 

$22 

$18 

$17 

$18 

$75 

$5 

$19 

$90 

$20 

$59 

(13) 

(14) 

(13) 

(13) 

(14) 

(13) 

$351 
37 

$377 
44 

$396 
35 

$169 
14 

$166 
12 

$121 
10 

– 
– 

– 
– 

– 
– 

$520 
51 

$543 
56 

$517 
45 

Results  of  individual  business  units  are  presented 
based  on  our  management  accounting  practices  and 
is  no  comprehensive, 
management  structure.  There 
authoritative  body  of  guidance 
for  management 
accounting  equivalent  to  accounting  principles  generally 
accepted  in  the  United  States  of  America;  therefore,  the 
financial  results  of  individual  business  units  are  not 
necessarily  comparable  with  similar  information  for  any 
other company. The management accounting process uses 
assumptions  and  allocations  to  measure  performance  of 
the business units. Methodologies are refined from time to 
time  as  management  accounting  practices  are  enhanced 
and  businesses  change.  The  costs  incurred  by  support 
areas  not  directly  aligned  with  the  business  unit  are 
allocated  primarily  based  on  an  estimated  utilization  of 
support area services 

Management  evaluates  results  of  operations  before 
non-cash  pension  income,  restructuring  related  charges, 
unusual items, effects of asset dispositions and insurance 
recoveries  because  it  believes  this  is  a  more  meaningful 
representation  of  the  operating  performance  of  its  core 
papermaking businesses, the profitability of business units 
and  the  extent  of  cash  flow  generated  from  core 
operations.  This  presentation  is  closely  aligned  with  the 
management and operating structure of our company. It is 
also  on  this  basis  that  Company’s  performance  is 
evaluated  internally  and  by  the  Company’s  Board  of 
Directors. 

We  sell  a  significant  portion  of  our  specialty  papers 
individual 
than  10%  of  our 

through  wholesale  paper  merchants.  No 
customer  accounted 
consolidated net sales in 2004, 2003 or 2002.  

for  more 

- 45 - 
GLATFELTER 

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Our 2004, 2003 and 2002 net sales to external customers and location of net plant, equipment and timberlands as of 

December 31, 2004, 2003 and 2002 are summarized below. Net sales are attributed to countries based upon origin of 
shipment.  

In thousands 
United States 
Germany 
Other   
Total 

2004 

2003 

Plant, 
Equipment and 
Timberlands – Net
$351,086 
149,513 
19,813 
$520,412 

Plant, 
Equipment and 
Timberlands – Net
$377,182 
147,651 
18,127 
$542,960 

Net sales 
$367,903 
138,630 
26,660 
$533,193 

2002 

Plant, 
Equipment and 
Timberlands – Net

$396,160 
104,477 
16,416 
$517,053 

Net sales 
$386,458 
128,574 
25,315 
$540,347 

Net sales 
$353,284 
156,337 
33,903 
$543,524 

21.  QUARTERLY RESULTS (UNAUDITED) 

In thousands, except per share 

Net sales 

Gross Profit 

Net Income 

Diluted 
Earnings Per Share 

First 
Second 
Third 
Fourth 

2004 
$132,078 
129,029 
143,075 
139,342 

2003 
$142,286 
129,620 
131,904 
129,383 

2004 
$20,499 
16,042 
27,042 
28,831 

2003 
$30,307 
18,269 
19,957 
11,013 

2004 
$36,258 
(1,629) 
2,199 
19,274 

2003 
$26,777 
269 
(6,665) 
(7,720) 

2004 
$0.83 
(0.04) 
0.05 
0.44 

2003 
$0.61 
0.01 
(0.15) 
(0.18) 

The information set forth above includes the following, on an after-tax basis: 

In thousands  
First 
Second 
Third 
Fourth 

Restructuring Charges and 
Unusual Items 

Gains on Sales of Plant, 
Equipment and Timberlands, 
and Other Asset Sales 

Insurance Recoveries 

2004 

$– 
(524) 
(10,249) 
(1,950) 

2003 

$– 
– 
(8,639) 
(7,258) 

2004 
$19,559 
– 
947 
13,558 

2003 
$19,311 
– 
(1,691) 
(433) 

2004 
$15,221 
181 
5,908 
– 

2003 

$– 
– 
– 
– 

- 46 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 9.  CHANGES  IN  AND  DISAGREEMENTS 
WITH ACCOUNTANTS ON ACCOUNTING 
AND FINANCIAL DISCLOSURE 

Committee,  the  members  are  audit  committee  financial 
experts as this term is set forth in the applicable regulations 
of the SEC. 

Not applicable. 

ITEM 9A.  CONTROLS AND PROCEDURES 

Disclosure Controls and Procedures   

Our  chief  executive  officer  and  our  chief  financial 
officer, after evaluating the effectiveness of our disclosure 
controls  and  procedures  (as  defined  in  Exchange  Act 
Rules  13a-15(e)  and  15d-15(e)),  as  of  December  31, 
2004, have concluded that, as of the evaluation date, our 
disclosure controls and procedures were effective.  

Management’s  Report  on  Internal  Control  over 
Independent 

and  Report  of 

Financial  Reporting 
Registered Public Accounting Firm. 

Management’s  report  on  the  Company’s  internal 
control  over  financial  reporting  (as  defined  in  Exchange 
Act Rules 13a-15(f) and 15d-15(f)) and the related report 
of  our  independent  registered  public  accounting  firm  are 
included 
Item  8.  –  Financial  Statements  and 
Supplementary Data. 

in 

Changes in Internal Control over Financial Reporting  

There  were  no  significant  changes  in  our  internal 
control  over  financial  reporting  during  the  three  months 
ended December 31, 2004, that has materially affected or 
are  reasonably  likely  to  materially  affect  our  internal 
control  over  financial  reporting.  In 
the  course  of 
internal  control  over 
completing  our  evaluation  of 
financial  reporting  we  implemented  certain  changes  and 
enhancements  to  our  controls.  These  primarily  related  to 
segregation  of  duties  and  documentation  of 
the 
functioning of controls. 

ITEM 9B.  OTHER INFORMATION 

Not applicable. 

PART III 

ITEM 10.  DIRECTORS 

AND 

EXECUTIVE 

OFFICERS OF THE REGISTRANT 

Directors  The  information  with  respect  to  directors 
required under this Item is incorporated herein by reference 
to our Proxy Statement, to be dated on or about March 30, 
2005. Our board of directors has determined that, based on 
the  relevant  experience  of  the  members  of  the  Audit 

Executive  Officers  of  the  Registrant  The  information 
with  respect  to  the  executive  officers  required  under  this 
Item is set forth in Part I of this report. 

rules  of 

We  have  adopted  a  Code  of  Business  Ethics  for  the 
CEO  and  Senior  Financial  Officers  in  compliance  with 
the  Securities  and  Exchange 
applicable 
Commission  that  applies  to  our  chief  executive  officer, 
chief financial officer and our principal accounting officer 
or  controller,  or  persons  performing  similar  functions.  A 
copy of the Code of Ethical Business Conduct is filed as an 
exhibit  to  this  Annual  Report  on  Form  10-K  and  is 
available  on  our  website, 
at 
www.glatfelter.com. 

free  of 

charge, 

ITEM 11.  EXECUTIVE COMPENSATION 

The 

information 

is 
incorporated herein by reference to our Proxy Statement, 
to be dated on or about March 30, 2005. 

required  under 

Item 

this 

ITEM 12.  SECURITY  OWNERSHIP  OF  CERTAIN 
AND 

OWNERS 

BENEFICIAL 
MANAGEMENT 

The 

information 

is 
incorporated herein by reference to our Proxy Statement, 
to be dated on or about March 30, 2005. 

required  under 

Item 

this 

ITEM 13.  CERTAIN 

RELATIONSHIPS 

AND 

RELATED TRANSACTIONS 

The 

information 

is 
incorporated herein by reference to our Proxy Statement, 
to be dated on or about March 30, 2005. 

required  under 

Item 

this 

ITEM 14.  PRINCIPAL  ACCOUNTING  FEES  AND 

SERVICES 

The 

information 

is 
incorporated herein by reference to our Proxy Statement, 
to be dated on or about March 30, 2005. 

required  under 

Item 

this 

- 47 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PART IV 

ITEM 15.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K. 

(a) 

1. 

Our Consolidated Financial Statements as follows are included in Part II, Item 8: 

i.  Consolidated Statements of Income for the Years Ended December 31, 2004, 2003 and 2002 
ii.  Consolidated Balance Sheets as of December 31, 2004 and 2003 
iii.  Consolidated Statements of Cash Flows for the Years Ended December 31, 2004, 2003 and 

2002 

iv.  Consolidated Statements of Shareholders' Equity for the Years Ended December 31, 2004, 

2003 and 2002 

v.  Notes to Consolidated Financial Statements for the Years Ended December 31, 2004, 2003 

and 2002 

2. 

Financial Statement Schedules (Consolidated) are included in Part IV: 

i.  Schedule II -Valuation and Qualifying Accounts - For Each of the Three Years in the Period 

Ended December 31, 2004 

(b) Exhibit Index 

Exhibit Number 

Description of Documents 

(2) 

Amended and Restated Acquisition Agreement dated as of August 9, 2001 
by and among Purico (IOM) Limited, RF & Son Inc., RFS US Inc. and 
RFS Ecusta Inc., as Buyers, and P. H. Glatfelter Company and 
Mollanvick, Inc., as Sellers. 

Exhibit 
2 

Incorporated by 
Reference to 
(Filing) 
August 24, 2001 Form 
8-K 

(3) 

(a) 

Articles of Amendment dated April 27, 1977, including restated Articles of 

3(a) 

1993 Form 10-K 

Incorporation, as amended by: 

i.  Articles of Merger dated January 30, 1979 
ii. 

Statement  of  Reduction  of  Authorized  Shares  dated  May 12, 
1980 
Statement  of  Reduction  of  Authorized  Shares  dated 
September 23, 1981 
Statement  of  Reduction  of  Authorized  Shares  dated  August 2, 
1982 
Statement of Reduction of Authorized Shares dated July 29, 1983 

iii. 

iv. 

v. 
vi.  Articles of Amendment dated April 25, 1984 
vii. 

Statement  of  Reduction  of  Authorized  Shares  dated  October 15, 
1984 
Statement  of  Reduction  of  Authorized  Shares  dated 
December 24, 1985 

viii. 

ix.  Articles of Amendment dated April 23, 1986 

x. 
xi. 

xii. 

xiii. 

Statement of Reduction of Authorized Shares dated July 11, 1986 
Statement  of  Reduction  of  Authorized  Shares  dated  March 25, 
1988 
Statement of Reduction of Authorized Shares dated November 9, 
1988 
Statement  of  Reduction  of  Authorized  Shares  dated  April 24, 
1989 

xiv.  Articles of Amendment dated November 29, 1990 
xv.  Articles of Amendment dated June 26, 1991 
xvi.  Articles of Amendment dated August 7, 1992 
xvii.  Articles of Amendment dated July 30, 1993 
xviii.  Articles of Amendment dated January 26, 1994 
Articles  of  Incorporation,  as  amended  through  January 26,  1994  (restated 

for the purpose of filing on EDGAR) 

By-Laws as amended through March 9, 2005, filed herewith. 

(b) 

(c) 

- 48 - 
GLATFELTER 

3(a) 
3(a) 

3(a) 

3(a) 

3(a) 
3(a) 
3(b) 

3(b) 

(3) 

3(b) 
3(b) 

3(b) 

3(b) 

3(b) 
3(b) 
3(b) 
3(b) 
3(b) 
3(c) 

1993 Form 10-K  
1993 Form 10-K 

1993 Form 10-K 

1993 Form 10-K 

1993 Form 10-K 
1994 Form 10-K 
1984 Form 10-K 

1985 Form 10-K 

March 31, 1986 
Form 10-Q 
1986 Form 10-K 
1987 Form 10-K 

1988 Form 10-K 

1989 Form 10-K 

1990 Form 10-K 
1991 Form 10-K 
1992 Form 10-K 
1993 Form 10-K 
1993 Form 10-K 
1993 Form 10-K 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4 

(a) 

(b) 

10 

(a) 

(b) 

(c) 
(d) 

(e) 

(f) 

(g) 

(h) 

(h) 
(i) 

(j) 

(k) 

(l) 

(m) 

(n) 
(o) 

(p) 

(q) 

(r) 

(s) 

(t) 

Indenture, dated as of July 22, 1997, between P. H. Glatfelter Company and 

4.1 

The Bank of New York, relating to the 6-7/8 Notes due 2007. 

Registration  Rights  Agreement,  dated  as  of  July 22,  1997,  among  P.  H. 
Glatfelter  Company,  Bear,  Stearns  &  Co.  Inc.  and  BT  Securities 
Corporation, relating to the 6-7/8 Notes due 2007. 

P. H.  Glatfelter  Company  Management  Incentive  Plan,  adopted  as  of 
January 1,  1994,  as  amended  and  restated  December  19,  2000  and 
effective January 1, 2001. 

P. H.  Glatfelter  Company  Supplemental  Executive  Retirement  Plan,  as 
amended  and  restated  effective  April  23,  1998  and  further  amended 
December 20, 2000. 

4.3 

Form S-4, Reg. No. 
333-36395 
Form S-4, Reg. No. 
333-36395 

10(a) 

2000 Form 10-K** 

10(c) 

2000 Form 10-K** 

Description of Executive Salary Continuation Plan. 
P. H.  Glatfelter  Company  Supplemental  Management  Pension  Plan, 

10(g) 
10(f) 

1990 Form 10-K** 
1998 Form 10-K** 

effective as of April 23, 1998. 

P. H. Glatfelter Company 1992 Key Employee Long-Term Incentive Plan, 

10(g) 

2000 Form 10-K ** 

as amended December 20, 2000. 

P.  H.  Glatfelter  Company  Deferred  Compensation  Plan  for  Directors, 

10(h) 

1998 Form 10-K** 

10(i) 

2000 Form 10-K ** 

10.1 

June 30, 2003 
Form 10-Q ** 

10(h) 

1996 Form 10-k 

10(i) 

1996 Form 10-K 

10.1 

10.1 

10(s) 

10.3 

10.2 

June 30, 2002 
Form 10-Q 

September 30, 2002 
Form 10Q 
2001 Form 10-K 

2002 Form 10-K 
March 31, 2003 
Form 10-Q** 
January 31, 2005 
Form 8-K 
March 31, 2003 
Form 10-Q 

October 1, 2003 
Form 8-K/A – No. 1 

10(u) 

2003 Form 10-K** 

effective as of April 22, 1998. 

Change in Control Employment Agreement by and between P. H. Glatfelter 
Company and George H. Glatfelter II, dated as of December 31, 2000. 
Form of Change in Control Employment Agreement by and between P. H. 
Glatfelter  Company  and  certain  employees,  dated  as  of  December  31, 
2000. 

(A) 

Schedule of Change in Control Employment Agreements, filed herewith.** 
Loan  Agreement,  dated  February 24,  1997,  between  P. H.  Glatfelter 

Company, as borrower, and GWS Valuch, Inc., as lender. 

Agreement  between  the  State  of  Wisconsin  and  Certain  Companies 
Concerning  the  Fox  River,  dated  as  of  January 31,  1997,  among  P. H. 
Glatfelter  Company,  Fort  Howard  Corporation,  NCR  Corporation, 
Appleton  Papers  Inc.,  Riverside  Paper  Corporation,  U.S.  Paper  Mills, 
Wisconsin Tissue Mills Inc. and the State of Wisconsin. 

Credit  Agreement,  dated  as  of  June  24,  2002,  among  P. H.  Glatfelter 
Company, various subsidiary borrowers, Deutsche Bank AG New York 
Branch,  as  Agent,  and  various  lending  institutions  with  Deutsche  Bank 
Securities Inc., as Lead Arranger and Book Runner. 
Increase in Commitments and Lender Addition Agreement. 

Supply and Service  Agreement dated as of  August 1, 2001 by and among 
Purico  GmbH,  Purico  (IOM)  Limited  and  Papierfabrik  Schoeller  & 
Hoesch GmbH & Co. 

Contract for the Purchase and Bargain Sale of Property (exhibits omitted) 
Employment agreement between the Registrant and John C. van Roden, Jr., 

10(m) 
10.1 

Chief Financial Officer.  

Severance Agreement and General Release between Mr. C. Matthew Smith 

10.1 

and the Registrant dated January 31, 2005. 

Term  Loan  Agreement,  dated  as  of  March 21,  2003,  among  GPW 
Timberlands,  LLC,  (a  wholly  owned  subsidiary  of  the  Registrant)  and 
Suntrust Bank, as Administrative Agent. 

Consent  Decree  for  Remedial  Design  and  Remedial  Action  at  Operable 
Unit  1  of  the  Lower  Fox  River  and  Green  Bay  site  by  and  among  the 
United States of America and the State of Wisconsin v. P. H. Glatfelter 
Company and WTMI Company (f/k/a Wisconsin Tissue Mills, Inc.) 
Employment  agreement  between  the  Registrant  and  John  Jacunski,  Vice 

President and Corporate Controller. 

Compensatory  Arrangements  with  Certain  Executive  Officers,  filed 

herewith.** 

- 49 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(u) 

(v) 

(w) 

(x) 

(y) 

Summary  of  Non-Employee  Director  Compensation,  (effective 

January 1, 2005). 

Contract for the Purchase and Sale of Property, dated September 21, 2004, 
among  Glatfelter  Pulp  Wood  Company,  The  Conservation  Fund  and 
Stewart Title Guaranty Company. 

Manager Service Contract between the Registrant (through a wholly owned 

subsidiary) and Werner Ruckenbrod, filed herewith.** 

Retirement  Pension  Agreement  between  the  Registrant  (through  a  wholly 

owned subsidiary) and Werner Ruckenbrok, filed herewith.** 

Arbitration  Agreement  between  the  Registrant  (through  a  wholly  owned 

subsidiary) and Werner Ruckenbrod, filed herewith.** 

10.1 

10.1 

December 15, 2004 
Form 8-K 
September 21, 2004 
Form 8-K 

Code  of  Business  Ethics  for  the  CEO  and  Senior  Financial  Officers  of 

14 

2003 Form 10-K 

Glatfelter. 

Subsidiaries of the Registrant, filed herewith. 
Consent of Independent Registered Public Accounting Firm, filed herewith. 
Certification  of  George  H.  Glatfelter  II,  Chairman  and  Chief  Executive 
Officer of Glatfelter, pursuant to Section 302 (a) of the Sarbanes-Oxley 
Act Of 2002, filed herewith. 

Certification of John C. van Roden, Jr., Executive Vice President and Chief 
Financial  Officer  of  Glatfelter,  pursuant  to  Section  302  (a)  of  the 
Sarbanes-Oxley Act Of 2002, filed herewith. 

Certification  of  George  H.  Glatfelter  II,  Chairman  and  Chief  Executive 
Officer of Glatfelter, pursuant to Section 906 of the Sarbanes-Oxley Act 
of 2002, 18 U.S.C. Section 1350, filed herewith. 

Certification of John C. van Roden, Jr., Executive Vice President and Chief 
Financial Officer of Glatfelter, pursuant to Section 906 of the Sarbanes-
Oxley Act of 2002, 18 U.S.C. Section 1350, filed herewith. 

**  Management contract or compensatory plan 

14 

21 
23 
31.1 

31.2 

32.1 

32.2 

- 50 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
SIGNATURES 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly 

caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. 

March 24, 2005 

P. H. GLATFELTER COMPANY 
(Registrant) 

By /s/ George H. Glatfelter II  
George H. Glatfelter II 
Chairman and  
Chief Executive Officer 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following 
persons on behalf of the Registrant in the capacities and on the dates indicated: 

Date 

Signature 

Capacity 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

March 24, 2005 

/s/ George H. Glatfelter II 
George H. Glatfelter II 
Chairman and Chief Executive Officer 

/s/ John C. van Roden, Jr. 
John C. van Roden, Jr. 
Executive  Vice  President  and 
Chief Financial Officer 

Principal Executive Officer and Director 

Principal Financial Officer 

/s/ John P. Jacunski 
John P. Jacunski 
Vice President and Corporate Controller 

Controller 

Director 

Director 

Director 

Director 

Director 

Director 

Director 

Director 

/s/ Kathleen A. Dahlberg 
Kathleen A. Dahlberg 

/s/ Nicholas DeBenedictis  
Nicholas DeBenedictis 

/s/ Richard C. Ill 
Richard C. Ill 

/s/ J. Robert Hall 
J. Robert Hall 

/s/ M. A. Johnson II 
M. A. Johnson II 

/s/ Ronald J. Naples 
Ronald J. Naples 

/s/ Richard L. Smoot 
Richard L. Smoot 

/s/ Lee C. Stewart 
Lee C. Stewart 

- 51 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CERTIFICATION PURSUANT TO SECTION 302 (a) OF THE SARBANES-OXLEY ACT OF 2002 

I, George H. Glatfelter II, Chairman and Chief Executive Officer of P. H. Glatfelter Company, certify that: 

1. 

I  have  reviewed  this  Annual  Report  on  Form  10-K  for  the  year  ended  December  31,  2004  of  P.H.  Glatfelter 
Company (“Glatfelter”);  

2.  Based  on  my  knowledge,  this  report  does  not  contain  any  untrue  statement  of  a  material  fact  or  omit  to  state  a 
material fact necessary to make the statements made, in light of the circumstances under which such statements were 
made, not misleading with respect to the period covered by this report;  

3.  Based  on  my  knowledge,  the  financial  statements,  and  other  financial  information  included  in  this  report,  fairly 
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, 
and for, the periods presented in this report. 

4.  Glatfelter’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and 
procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting 
(as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for Glatfelter and have: 

(a)  Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be 
designed  under  our  supervision,  to  ensure  that  material  information  relating  to  Glatfelter,  including  its 
consolidated  subsidiaries,  is  made  known  to  us  by  others  within  those  entities,  particularly  during  the 
period in which this report is being prepared; 

(b)  Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial 
reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of 
financial  reporting  and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with 
generally accepted accounting principles; 

(c)  Evaluated the effectiveness of Glatfelter's disclosure controls and procedures and presented in  this report 
our  conclusions  about  the  effectiveness  of  the  disclosure  controls  and  procedures,  as  of  the  end  of  the 
period covered by this report based on such evaluation; and 

(d)  Disclosed  in  this  report  any  change  in  Glatfelter's  internal  control  over  financial  reporting  that  occurred 
during Glatfelter’s most recent fiscal quarter (the fourth fiscal quarter in the case of an annual report) that 
has  materially  affected,  or  is  reasonably  likely  to  materially  affect,  Glatfelter's  internal  control  over 
financial reporting; and 

5.  Glatfelter’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over 

financial reporting, to Glatfelter’s auditors and the audit committee of the Glatfelter’s board of directors:  

(a)  All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of  internal  control  over 
financial  reporting  which  are  reasonably  likely  to  adversely  affect  Glatfelter’s  ability  to  record,  process, 
summarize and report financial information; and  

(b)  Any fraud, whether or not material, that involves management or other employees who have a significant 

role in Glatfelter’s internal control over financial reporting.  

Date: March 24, 2005 

By:

/s/ George H. Glatfelter II 
George H. Glatfelter II 
Chairman and Chief Executive 

Officer 

- 52 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CERTIFICATION PURSUANT TO SECTION 302 (a) OF THE SARBANES-OXLEY ACT OF 2002 

I, John C. van Roden, Jr., Executive Vice President and Chief Financial Officer of P. H. Glatfelter Company, certify 
that: 

1. 

I  have  reviewed  this  Annual  Report  on  Form  10-K  for  the  year  ended  December  31,  2004  of  P.H.  Glatfelter 
Company (“Glatfelter”);  

2.  Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a 
material fact necessary to make the statements made, in light of the circumstances under which such statements 
were made, not misleading with respect to the period covered by this report;  

3.  Based on my knowledge, the financial statements, and other financial information included in this report, fairly 
present in all material respects the financial condition, results of operations and cash flows of the registrant as 
of, and for, the periods presented in this report;  

4.  Glatfelter’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls 
and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial 
reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for Glatfelter and have: 

(a)  Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be 
designed  under  our  supervision,  to  ensure  that  material  information  relating  to  Glatfelter,  including  its 
consolidated  subsidiaries,  is  made  known  to  us  by  others  within  those  entities,  particularly  during  the 
period in which this report is being prepared; 

(b)  Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial 
reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of 
financial  reporting  and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with 
generally accepted accounting principles; 

(c)  Evaluated the effectiveness of Glatfelter's disclosure controls and procedures and presented in  this report 
our  conclusions  about  the  effectiveness  of  the  disclosure  controls  and  procedures,  as  of  the  end  of  the 
period covered by this report based on such evaluation; and 

(d)  Disclosed  in  this  report  any  change  in  Glatfelter's  internal  control  over  financial  reporting  that  occurred 
during Glatfelter’s most recent fiscal quarter (the fourth fiscal quarter in the case of an annual report) that 
has  materially  affected,  or  is  reasonably  likely  to  materially  affect,  Glatfelter's  internal  control  over 
financial reporting; and 

5.  Glatfelter’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control 
over financial reporting, to Glatfelter’s auditors and the audit committee of the Glatfelter’s board of directors:  

(a)  All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of  internal  control  over 
financial  reporting  which  are  reasonably  likely  to  adversely  affect  Glatfelter’s  ability  to  record,  process, 
summarize and report financial information; and  

(b)  Any fraud, whether or not material, that involves management or other employees who have a significant 

role in Glatfelter’s internal control over financial reporting.  

Date: March 24, 2005 

By:

/s/ John C. van Roden, Jr. 
John C. van Roden, Jr. 
Executive  Vice  President  and 

Chief Financial Officer 

- 53 - 
GLATFELTER 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P. H. GLATFELTER COMPANY AND SUBSIDIARIES 
SUPPLEMENTAL FINANCIAL STATEMENT SCHEDULE 

For Each of the Three Years in the Period Ended December 31, 2004 
Valuation and Qualifying Accounts 

Allowances for 

Schedule II 

Balance, beginning of year 
Other (a) 
Provision 
Write-offs,  recoveries  and   

discounts allowed 
Balance, end of year 

2004 
$3,115 
24 
868 

(1,643) 
$2,364 

Doubtful Accounts 
2003 
$2,211 
168 
1,098 

2002 
$1,551 
157 
732 

Sales Discounts and Deductions 
2003 
$1,662 
266 
1,604 

2002 
$1,624 
199 
12,172 

2004 
$2,038 
162 
3,964 

(362) 
$3,115 

(229) 
$2,211 

(3,947) 
$2,217 

(1,494) 
$2,038 

(12,333) 
$1,662 

The  provision  for  doubtful  accounts  is  included  in  administrative  expense  and  the  provision  for  sales  discounts  and 
deductions is deducted from sales. The related allowances are deducted from accounts receivable. 

(a)  Relates primarily to changes in currency exchange rates 

- 54 - 
GLATFELTER