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NACCO Industries, Inc.

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FY2003 Annual Report · NACCO Industries, Inc.
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Annual Report
2003

NACCO

I N D U S T R I E S ,

I N C .

Managing for long-term profit growth

NACCO Industries, Inc.
5875 Landerbrook Drive • Mayfield Heights, Ohio 44124
An Equal Opportunity Employer

Printed in U.S.A.

NACCO Industries, Inc.

Managing for Long-term Profit Growth

NACCO Materials Handling Group (“NMHG”)

NMHG Wholesale

• NMHG Wholesale designs, engineers, manufac-

tures, sells and services a comprehensive line of

lift trucks and aftermarket parts marketed globally
under the Hyster® and Yale® brand names

NMHG Retail 

• NMHG Retail operates a small number of wholly

owned dealers selling and leasing Hyster and Yale

lift trucks and aftermarket parts

NACCO Housewares Group

Hamilton Beach(cid:2)Proctor-Silex (“HB/PS”)
• HB/PS is a leading designer, manufacturer, importer

and marketer of small electric kitchen and house-

hold appliances, as well as commercial products

for restaurants, bars and hotels

Kitchen Collection 

• Kitchen Collection is a national specialty retailer

of brand-name kitchenware, small electric appli-

ances and related accessories, operating under
the Kitchen Collection® name in outlet malls and
under the Gadgets & More® name in traditional

enclosed malls

The North American Coal Corporation 

• North American Coal mines and markets lignite

coal primarily as fuel for power generation and

provides selected value-added mining services 

Table of Contents

Selected Financial and Operating Data . . . . . . . 2

Letter to Stockholders . . . . . . . . . . . . . . . . . . . . 4

NACCO Materials Handling Group . . . . . . . . . 10

NACCO Housewares Group. . . . . . . . . . . . . . . 16

The North American Coal Corporation . . . . . . 24

Supplemental Data. . . . . . . . . . . . . . . . . . . . . . 30

Officers and Directors . . . . . . . . . . . . . . . . . . . 31

for other natural resources companies

Form 10-K . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33

In  2002, a  year  with  a  difficult  market  environment, improved  net
income  and  cash  flow  resulted  directly  from  continuing  successful
implementation of long-term profitability and growth programs initiated
in previous years.

In  2003, challenging  markets  continued. Net  income  did  not  reach  the
level  of  our  expectations. Importantly, however, the  Company  demon-
strated  its  continued  commitment  to  profit  improvement  and  growth
programs  by  increasing  investments  in  these  key  change  programs.
The objective of these programs is to drive each subsidiary company to
achieve its long-term financial goals by 2008, or sooner, as programs reach
maturity. Further, the Board of Directors demonstrated its confidence in
these programs by increasing the dividend by approximately 50 percent
in 2003.

NACCO’s long-term perspective is reflected in four guiding principles:

• Ensure highly professional management teams
• Attain industry-leading operational effectiveness and efficiencies
• Build industry-leading market positions
• Create sustainable competitive advantage positions

Total Revenues 

Diluted Earnings Per Share

in billions 

(In billions)

$2.9

$2.6

$2.6

$2.3*

$2.5

$3.0

$2.0

$1.0

$0.0

$8.29

†

$6.51

†

$5.17

$6.44

†
($4.40 )

$10

$5

$0

($5)

1999

2000

2001

2002

2003

1999

2000

2001

2002

2003

* 2002 revenues were restated for the adoption of FIN No. 46 in 2003

retroactive to January 1, 2002. Prior years were not restated. Further
discussion of FIN No. 46 is in the boxes on pages 2 and 25.

† 1999, 2000 and 2001 include goodwill amortization expense. Amortization
of goodwill was discontinued in 2002 with the adoption of SFAS No. 142.

-1-

NACCO Industries, Inc. at a Glance

NACCO Industries, Inc. is an operating holding company with
three principal businesses: lift trucks, housewares and lignite
coal mining. In 2003, total revenues were $2.5 billion and net
income was $52.8 million.

Principal Businesses

NACCO Materials Handling Group (“NMHG”)
Headquarters: Portland, Oregon

NMHG Wholesale designs, engineers, manufactures, sells and services a compre-
hensive line of lift trucks and aftermarket parts marketed globally under the Hyster®
and Yale® brand names. Lift trucks and component parts are manufactured in the
United States, Northern Ireland, Scotland, the Netherlands, China, Italy, Japan,
Mexico, the Philippines and Brazil.

NMHG Retail operates a small number of wholly owned dealers selling and leasing
Hyster and Yale lift trucks and aftermarket parts.

NACCO Housewares Group
Hamilton Beach(cid:2)Proctor-Silex (“HB/PS”)
Headquarters: Richmond, Virginia

HB/PS is a leading designer, manufacturer, importer and marketer of
small electric kitchen and household appliances, as well as commercial 
products for restaurants, bars and hotels.

Kitchen Collection  
Headquarters: Chillicothe, Ohio

Kitchen Collection is a national specialty retailer of brand-name kitchenware,
small electric appliances and related accessories. The company operates stores
under the Kitchen Collection® name in outlet malls and under the Gadgets &
More® name in traditional enclosed malls.

®

2003 
Financial Results

NMHG Wholesale:
Revenues: 

$1.6 billion
Operating profit: 
$55.5 million 

Net income: 

$22.4 million

NMHG Retail:
Revenues: 

$162.6 million
Operating loss: 
$6.7 million

Net loss: 

$6.0 million

NACCO
Housewares
Group:
Revenues: 

$598.7 million
Operating profit: 
$42.0 million

Net income: 

$19.5 million

Market Positions

Competitive Advantages

Financial Targets

Key Business Programs

NACCO Materials Handling Group is a
world leader in the lift truck industry with
an estimated 13 percent market share
worldwide, including a leading 27 percent
market share in the Americas market.

Lift trucks are distributed through a 
worldwide network of independent
Hyster and Yale dealers and a limited
number of wholly owned dealers.

• Leading market share positions
• #1 market position in North America,

#3 worldwide

• Highly recognized Hyster and Yale

brand names

• Large installed population base of lift

trucks; an estimated 700,000 Hyster and
Yale lift trucks in operation worldwide
• Highly diverse customer base with over
600 different end-user applications in 
900 industries

• Comprehensive global product line
• Strong dealer network
• Industry-leading national account 

coverage in the Americas

• Globally integrated operations with 

significant economies of scale

Minimum operating
profit target of 9
percent at average
pre-recession market
levels

• New product development
• Manufacturing restructuring 
and quality improvement

• Global procurement
• Pricing optimization
• National and global accounts

expansion

• Dealer network enhancement
• Aftermarket parts and efficiency
• Wholly owned dealer improve-

ments

Hamilton Beach(cid:2)Proctor-Silex has the 
#1 or #2 market share positions in 
20 of its 38 product categories in the
United States and has the #1 market
share of commercial blenders and 
spindle mixers. HB/PS is the market
share leader in Canada.

HB/PS products are distributed through
mass merchants, national discount
department stores, warehouse clubs 
and other retail sales outlets.

Kitchen Collection is the nation’s leading
specialty retailer of kitchen and related
products in factory outlet malls with
180 stores throughout the United States.

HB/PS:
• Strong heritage brands with leading 

market shares

• Strong relationships with leading retailers
• Highly professional and experienced 

management team

• Successful track record of product line
expansion and new product innovation

• Industry-leading working capital 

management

Kitchen Collection:
• Highly analytical merchandising skills 

and disciplined operating controls

HB/PS:
Minimum operating
profit target of 10
percent

Kitchen Collection:
Minimum operating
profit target of 5 
percent

The North American Coal Corporation
Headquarters: Dallas, Texas

North American Coal mines and markets lignite coal primarily as fuel for power
generation and provides selected value-added mining services for other natural
resources companies.

North American 
Coal Corporation

North American Coal operates six surface lignite coal mines and two dragline
mining operations at limerock quarries. 

North American
Coal:
Revenues: 

$94.1 million
Operating profit:
$27.4 million 

Net income: 

$14.3 million

North American Coal is the nation’s 
largest miner of lignite coal and among
the 10 largest coal producers. Lignite coal
is delivered to power plants adjacent to
mines in North Dakota, Texas, Louisiana
and Mississippi. 

Minimum return
on capital employed
of 13 percent and
delivery of substan-
tial cash flow before
financing activities

• Mines provide steady income and cash

flow before financing activities and
high return on equity

• Contracts structured to minimize exposure

to market fluctuations of coal prices

• 2.4 billion tons of lignite coal reserves, of
which 1.1 billion tons are uncommitted
(including unconsolidated project mines
in both cases)

• Outstanding operational and technological

mining skills

• Highly efficient heavy equipment utilization
• Excellent record of environmental 
protection and employee safety

HB/PS:
• Product development process 
• New product introductions
• Manufacturing cost reduction
• Continuous quality improvement
• Supply chain optimization
• Strategic brand application
• Retailer and channel focus

Kitchen Collection:
• Economic Value Income
• Margin enhancement and
merchandising programs

• Private label programs
• Gadgets & More store expansions

in traditional enclosed malls
• Larger format store testing in

outlet malls

• Internet sales growth

• Employee safety
• Mississippi Lignite Mining

Company efficiency improvements

• San Miguel Lignite Mining
Operations profitability 
improvements

• Innovative mining methods
• Environmental commitment
• Value-added mining services for

other natural resources companies

• Lignite coal reserve development

strategies

• Clean coal power generation

technologies   
• Limerock projects

Selected Financial and Operating Data

NACCO INDUSTRIES, INC. AND SUBSIDIARIES

Operating Statement Data :
Revenues . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Earnings of unconsolidated project 

mining subsidiaries  . . . . . . . . . . . . . . . . . . . . . . . . . . .
Goodwill amortization  . . . . . . . . . . . . . . . . . . . . . . . . . . .
Operating profit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Operating profit excluding goodwill amortization  . . . . .

Income (loss) before extraordinary gain (loss) 

and cumulative effect of accounting changes  . . . . . .
Extraordinary gain (loss), net-of-tax  . . . . . . . . . . . . . . . .
Cumulative effect of accounting changes, net-of-tax  . . .
Net income (loss)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Diluted Earnings Per Share:
Income (loss) before extraordinary gain (loss) 

and cumulative effect of accounting changes  . . . . . .
Extraordinary gain (loss), net-of-tax  . . . . . . . . . . . . . . . .
Cumulative effect of accounting changes, net-of-tax  . . .
Net income (loss)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Per Share and Share Data:

Cash dividends  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Market value at December 31  . . . . . . . . . . . . . . . . . . .
Stockholders’ equity at December 31  . . . . . . . . . . . . .

Actual shares outstanding at December 31  . . . . . . . .
Average shares outstanding  . . . . . . . . . . . . . . . . . . . .

Balance Sheet Data at December 31:
Total assets  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Long-term debt, excluding project 

mining subsidiaries  . . . . . . . . . . . . . . . . . . . . . . . . . . .
Stockholders’ equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

$

$
$
$
$

$

$

$

$

$
$
$

$

$
$

2003

2,472.6

31.7 
-  
117.2 
117.2

49.8 
1.8 
1.2 
52.8 

6.07 
0.22 
0.15 
6.44 

1.260 
89.48 
77.63 

8.206 
8.204 

1,839.8 

363.2 
637.0 

2002(1) (3)

Year Ended December 31
2001(2) 
(In millions, except per share data)

2000(2) 

$

$
$
$
$

$

$

$

$

$
$
$

$

$
$

2,285.0 

30.3 

-   

115.5 
115.5 

49.6 
(7.2)

-   

42.4 

6.05 
(0.88)
-
5.17 

0.970 
43.77 
68.21 

8.201 
8.198 

1,780.8 

416.1 
559.4 

$

$
$
$
$

$

$

$

$

$
$
$

$

$
$

2,637.9 

-   

15.9 
5.7 
21.6 

(34.7)

-   

(1.3)
(36.0)

(4.24)

-   

(0.16)
(4.40)

0.930 
56.79 
64.58 

8.196 
8.190 

2,161.9 

248.1 
529.3 

$

$
$
$
$

$

$

$

$

$
$
$

$

$
$

2,871.3 

-  
15.7 
117.9 
133.6 

37.8 
29.9 
-  
67.7 

4.63 
3.66 
-  
8.29 

0.890 
43.69 
74.21 

8.171 
8.167 

2,193.9 

450.0 
606.4 

1999(2) 

2,635.9 

-   

15.2 
131.3 
146.5 

54.3 

-   

(1.2)
53.1 

6.66 

-   

(0.15)
6.51 

0.850 
55.56 
68.92 

8.157 
8.150 

2,013.0 

326.3 
562.2 

$

$
$
$
$

$

$

$

$

$
$
$

$

$
$

(1) During 2003, the Company adopted Financial Accounting Standards Board Interpretation No. 46, “Consolidation of Variable Interest Entities,” retroactive to January 1, 2002. As a result, financial

results for 2002 have been restated to reflect the adoption of this Interpretation. (The impact of the adoption of FIN No. 46 is further described in the box at the bottom of this page.)

(2) Selected Financial and Operating Data for 2001, 2000 and 1999 have not been restated to reflect the adoption of FIN No. 46.
(3) On January 1, 2002, the Company adopted Statement of Financial Accounting Standards No. 142, “Goodwill and Other Intangible Assets.” The Company discontinued amortization of its goodwill

in accordance with this Statement.

Adoption of FIN No. 46

During the fourth quarter of 2003, NACCO Industries adopted Financial Accounting Standards Board Interpretation No. 46 ("FIN No. 46"), "Consolidation
of Variable Interest Entities," retroactive to January 1, 2002. The adoption of FIN No. 46 significantly changed the presentation of the Company’s financial
statements. As a result of the adoption of FIN No. 46, the Company no longer consolidates the financial statements of three of North American Coal's wholly
owned subsidiaries: The Coteau Properties Company, The Falkirk Mining Company and The Sabine Mining Company (collectively, the "project mines"). The
Company still has a 100 percent equity investment in the project mines; however, the pre-tax earnings are now reported in the 2003 and 2002 Consolidated
Statements of Operations and Comprehensive Income (Loss) as one line item entitled "Earnings of unconsolidated project mining subsidiaries." In addition,
the assets and liabilities of the project mines are no longer consolidated within the Company’s Consolidated Balance Sheets, although the balance sheets
now reflect an investment in the project mines and related income tax obligations. 

Since the adoption of FIN No. 46 was made retroactively to January 1, 2002, only the 2002 financial results shown above have been restated to reflect
this new accounting Interpretation. The effect of adopting FIN No. 46 on the 2002 consolidated financial results was to reduce previously reported revenues
by $263.1 million, reduce previously reported operating profit by $16.3 million and reduce previously reported total assets by $343.1 million. Cash flow data
and EBITDA for 2002 were also affected and, thus, restated.

Cash Flow Data:
Operating Activities

NACCO Materials Handling Group  . . . . . . . . . . . . .
NACCO Housewares Group  . . . . . . . . . . . . . . . . . . .
North American Coal Corporation  . . . . . . . . . . . . . .
NACCO and Other . . . . . . . . . . . . . . . . . . . . . . . . . . .
Provided by operating activities  . . . . . . . . . . . . . . . . .

Investing Activities

NACCO Materials Handling Group  . . . . . . . . . . . . .
NACCO Housewares Group  . . . . . . . . . . . . . . . . . . .
North American Coal Corporation  . . . . . . . . . . . . . .
NACCO and Other  . . . . . . . . . . . . . . . . . . . . . . . . . . .
Used for investing activities  . . . . . . . . . . . . . . . . . . . .

Cash Flow before Financing Activities

NACCO Materials Handling Group  . . . . . . . . . . . . .
NACCO Housewares Group  . . . . . . . . . . . . . . . . . . .
North American Coal Corporation  . . . . . . . . . . . . . .
NACCO and Other  . . . . . . . . . . . . . . . . . . . . . . . . . .
Consolidated Cash Flow before Financing Activities  . . .

Provided by (used for) financing activities  . . . . . . . . .

Other Data:
Adjusted EBITDA (4)  . . . . . . . . . . . . . . . . . . . . . . . . . . . .

$

$

$

$

$

$

$

$

Year Ended December 31

2003

2002(1) (3)

2001(2)

2000(2)

1999(2)

(In millions, except employee data)

50.1 
41.2 
37.3 
(5.3)
123.3 

(11.1)
(5.8)
(26.0)
0.1 
(42.8)

39.0 
35.4 
11.3 
(5.2)
80.5 

(71.9)

181.3

$

$

$

$

$

$

$

$

72.1 
52.0 
36.3 
(11.2)
149.2 

(7.3)
(3.2)
(6.9)
(0.8)
(18.2)

64.8 
48.8 
29.4 
(12.0)
131.0 

(146.8)

179.1

$

$

$

$

$

$

$

$

31.0 
28.5 
69.5 
7.0 
136.0 

(47.2)
(13.4)
(33.8)
(.7)
(95.1)

(16.2)
15.1 
35.7 
6.3
40.9 

(1.6)

78.3 

$

$

$

$

$

$

$

$

62.6 
24.4 
39.4 
6.6 
133.0 

(59.7)
(19.4)
(156.8)
1.7
(234.2)

2.9 
5.0 
(117.4)
8.3
(101.2)

98.3 

165.1 

$

$

$

$

$

$

$

$

79.4 
9.3 
49.6 
(9.2)
129.1 

(116.1)
(16.5)
(28.7)
(.1)
(161.4)

(36.7)
(7.2) 
20.9
(9.3)
(32.3)

35.3 

182.6 

Total employees at December 31 (5)  . . . . . . . . . . . . . . .

11,600

12,200 

13,500 

17,200 

16,000 

(4) Adjusted  EBITDA  is  provided  solely  as  a  supplemental  disclosure  with  respect  to  liquidity  because  management  believes  it  provides  useful  information
regarding a company’s ability to service its indebtedness. Adjusted EBITDA does not represent cash flow from operations, as defined by accounting principles
generally accepted in the United States. You should not consider Adjusted EBITDA as a substitute for net income or net loss, or as an indicator of our operating
performance or whether cash flows will be sufficient to fund our cash needs. We define Adjusted EBITDA as income before income taxes, minority interest (income)
expense, extraordinary gain (loss) and cumulative effect of accounting changes plus net interest expense and depreciation, depletion and amortization expense.
However, interest expense, depreciation, depletion, and amortization attributable to the project mining subsidiaries are not included. Adjusted EBITDA is not a
measurement under accounting principles generally accepted in the United States and is not necessarily comparable with similarly titled measures of other
companies. Net cash flows from operating, investing and financing activities as determined using accounting principles generally accepted in the United States
are presented above. A reconciliation of cash flow from operations to Adjusted EBITDA is presented below.

(5) Includes employees of the project mines.

2003

2002(1) (3)

2001(2)

2000(2)

1999(2)

Year Ended December 31

(In millions)

Reconciliation of Cash Flow 

From Operations to Adjusted EBITDA (4)

Cash flow from operations  . . . . . . . . . . . . . . . . . . . . . . . .
Change in working capital items  . . . . . . . . . . . . . . . . . . .
(Loss) gain on sale of assets  . . . . . . . . . . . . . . . . . . . . . .
Restructuring charges . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Difference between deferred tax expense and

total tax expense/benefit  . . . . . . . . . . . . . . . . . . . . . . .
Other non-cash items  . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Interest expense, net  . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Project mining subsidiaries’ depreciation,

depletion and amortization  . . . . . . . . . . . . . . . . . . . . .
Adjusted EBITDA (4)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Calculation of Adjusted EBITDA (4)
Net income (loss)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cumulative effect of accounting changes, net-of-tax  . . .
Extraordinary (gain) loss, net-of-tax  . . . . . . . . . . . . . . . .
Minority interest (income) expense . . . . . . . . . . . . . . . . .
Income tax provision (benefit)  . . . . . . . . . . . . . . . . . . . . .
Interest expense 

(excluding project mining subsidiaries)  . . . . . . . . . . .
Interest income  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Depreciation, depletion and amortization expense 

$

$

$

$

$

$

123.3 
14.1
(1.5)
1.2

4.9
(8.6)
47.9

-   

181.3 

52.8 
(1.2)
(1.8)
(0.6)
15.8 

51.0 
(3.1)

$

$

$

149.2 
(10.2)
.4
(12.3)

(6.5)
9.4
49.1

-   

179.1 

42.4 

-   

7.2 
(1.2)
11.3 

52.9 
(3.7)

(excluding project mining subsidiaries)  . . . . . . . . . . .
Adjusted EBITDA (4)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

$

68.4 
181.3 

70.2 
179.1 

$

$

136.0 
(25.9)
(10.5)
(21.5)

(4.9)
(1.0)
36.7 

(30.6)
78.3 

(36.0)
1.3 
- 
(0.8)
(9.9)

40.5 
(3.8)

87.0 
78.3 

$

$

$

$

$

$

133.0 
14.0 
(1.4)
(15.6)

34.8 
1.3 
27.7 

(28.7)
165.1 

67.7 

-   

(29.9)
(0.1)
22.3 

30.2 
(2.5)

129.1 
31.4 
(0.4)
(1.2)

28.4 
3.3 
20.8 

(28.8)
182.6 

53.1 
1.2 

-   

0.6 
31.7 

25.7 
(4.9)

77.4 
165.1 

$

75.2 
182.6

$

This Annual Report contains references to non-GAAP financial measures. Presentations of, and quantitative reconciliations to, the most directly comparable
financial measures calculated and presented in accordance with GAAP appear on this page and page 30.

-2-
-2-

-3-

To Our Stockholders

fact, provides a clearer view of North American Coal’s and

achieved slightly improved operating results despite a slower-

NACCO’s  operating  and  financial  structure. The  boxes  on

than-anticipated  recovery  in  lift  truck  markets  and  weak

pages 2 and 25 of this Annual Report further discuss FIN No. 46.

housewares and factory outlet mall markets.

Net income for 2003 and 2002 included a $1.8 million

In 2003, each of NACCO’s subsidiary companies generated

after-tax extraordinary gain and a $7.2 million after-tax extraor-

significant cash flow before financing activities: $39.0 million

Economic and Corporate Overview

Reflecting increased confidence in the future potential of

dinary loss, respectively, recorded by Bellaire Corporation,

at  NMHG; $35.4  million  at  NACCO  Housewares  Group;

In 2003, NACCO Industries had a reasonable year despite

NACCO’s businesses and in their prospects for generating

a wholly  owned  non-operating  subsidiary  which  manages

and $11.3 million at North American Coal. In total, NACCO

a  more  gradual  economic  recovery  than  expected  and  the

cash flow before financing activities, as well as in the context

ongoing  liabilities  related  largely  to  closed  Eastern  U.S.

generated  $80.5  million  in  consolidated  cash  flow  before

impact  of other  unfavorable  external  factors, particularly

of changed dividend taxation laws, the Board of Directors

underground coal mines. These extraordinary items relate to

financing activities in 2003 and $131.0 million in 2002. Both

adverse currency movements. Major change programs put in

approved two dividend increases in 2003 that raised the annual

adjustments  to  Bellaire’s  estimated  obligation  to  the  United

2003 and 2002 were significantly above 2001 levels when the

place at each of the subsidiary companies over the last several

dividend  by  more  than  50  percent. The  first  increase, from

Mine Workers of America Combined Benefit Fund. The 2003

company generated $40.9 million in consolidated cash flow

years continue to affect our view of future prospects positively.

$0.98 to $1.02 per share, was made in May 2003 as part of the

extraordinary gain is due to lower-than-estimated premium

before financing activities.

Overall, we  believe  these  programs  will  continue  to  help

Board of Directors’ regular annual consideration of dividend

drive NACCO’s subsidiary companies toward their long-term

rates. The second dividend increase, of approximately 50 percent

minimum financial goals over the next five years.

from $1.02 to $1.52 per share, was approved in August 2003.

The relatively slow pace of the economic recovery in 2003

The  discussion  that  follows  is  organized  in  a  manner

payments and number of assignees, along with adjustments to

actual mortality rates as compared with previous estimates,

resulting in a decrease in expected future obligations. The 2002

extraordinary loss was primarily the result of an unfavorable

NACCO Maintains a Long-term Perspective

NACCO has consistently maintained a long-term per-

spective with respect to its subsidiary companies, which is

affected  all  of NACCO’s  subsidiary  companies. Lift  truck

similar to the letters included in last year’s Annual Report, and,

U. S. Supreme Court ruling. In addition, net income for 2003

reflected in four guiding principles:

markets continued to improve worldwide, but not to the levels

in fact, some of the discussion itself is the same. This approach

previously expected. Consumer spending in North America
strengthened  in  some  areas, but  both  Hamilton  Beach(cid:2)

reflects the fact that NACCO’s underlying strategies and key

programs for each of its subsidiary companies are long-term

Proctor-Silex (“HB/PS”) and Kitchen Collection experienced

oriented and constant. We believe this strategic consistency is

weak  retail  markets  for  their  products. Further, lignite  coal

one of NACCO’s core strengths.

demand  at  North American  Coal  was  not  as  strong  as  had

been expected.

Likewise, relative  currency  values  negatively  affected

several of NACCO’s subsidiary companies. For example, the

extraordinary strength of the euro and British pound sterling

compared  with  the  U.S. dollar  made  European-  and  U.K.-

produced lift trucks less competitive in the U.S. market.

Nevertheless, in the face of these external forces, NACCO’s

subsidiary  companies  responded  commendably. Efforts  to

control  costs  were  accelerated  and  revenue  enhancement

programs  were  pursued  with  even  greater  urgency. While

financial results in 2003 were not at the level the Company had

anticipated, each of NACCO’s subsidiary companies emerged

from 2003 strong or stronger relative to its competition, and

each is well positioned to take full advantage of the expected

continued global economic recovery in 2004 and beyond.

Discussion of Results

In  2003, NACCO  Industries  reported  net  income  of

$52.8 million, or $6.44 per share, compared with net income of

$42.4 million, or $5.17 per share, in 2002. Revenues for 2003

were  $2.5  billion  compared  with  $2.3  billion  in  2002, an

increase of approximately 9 percent primarily attributable to

increased  revenues  at  NACCO  Materials  Handling  Group

(“NMHG”). Additionally, 2003 and 2002 financial statements

reflect  the  adoption  of Financial  Accounting  Standards

Board Interpretation No. 46 (“FIN No. 46”),“Consolidation of

Variable Interest Entities,” which requires the deconsolidation

of North American Coal’s three project mining subsidiaries.

The effect of deconsolidation is to decrease reported revenues

while  leaving  reported  net  income  unchanged. Further, the

assets and liabilities of these project mining subsidiaries are no

longer consolidated. The  Company  believes  this  change, in

included a net benefit of $1.2 million, or $0.15 per share,

for the cumulative effect of a change in accounting for mine-

• Ensure highly professional management teams;

• Attain  industry-leading  operational  effectiveness  and

closing obligations recognized as a result of the adoption of

efficiencies;

Statement of Financial Accounting Standards (“SFAS”) No. 143,

“Accounting  for  Asset  Retirement  Obligations.” This  net

benefit  consisted  of a  $2.5  million  after-tax  gain  at  Bellaire

and a $1.3 million after-tax charge at North American Coal to

reflect this accounting change.

On  a  year-over-year  comparable  basis, income  before

extraordinary gain (loss) and cumulative effect of accounting

change for 2003 was $49.8 million, or $6.07 per share, compared

with $49.6 million, or $6.05 per share, in 2002. The Company

• Build industry-leading market positions; and

• Create sustainable competitive advantage positions.

To  help  achieve  these  guiding  principles, the  NACCO

parent company, which consists of a small group of experienced

specialists, plays a significant role through two key functions:

oversight  and  consulting. As  part  of its  oversight  role, the

parent  company  works  closely  with  subsidiary  company

CEOs  and  senior  managers  to  reinforce  a  process  of con-

structive change designed to enhance long-term, sustainable

Dividends Paid Per Share

$1.5

$1.0

$0.5

$.467

$.515

$.550

$.575

$.595

$.615

$.635

$.655

$.675

$.710

$.743

$.773

$.810

$.850

$.890

$.930

$.970

$1.26

0

1986

1987

1988

1989

1990

1991

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

2002

2003

-4-

-5-

competitive advantage, to ensure that programs are developed

2003. The main objective of these profitability enhancement

At  NMHG, specific  programs  to  enhance  profitability

• A manufacturing cost reduction program which focuses

to  enable  each  subsidiary  company  to  achieve  mutually

programs  is  to  achieve  minimum  financial  targets  at  each 

include the following:

on  the  company’s  evolution  toward  increased  low-cost,

agreed-upon financial targets, and to monitor the disciplined

subsidiary company by 2007-2008 or before.

• A new product development process which is designed to

high-quality  sourcing  from  China. This  program  will

execution of key programs.

Minimum  operating  profit  targets  defined  in  the  2002

improve  product  flexibility, increase  speed  to  market,

likely  continue  through  2005, with  the  potential  for

Through its consulting capabilities, the NACCO parent

NACCO Annual Report remain the same at NMHG and at

enhance quality and reduce costs. Significant investments

implementation  of an  even  more  aggressive  product

company  provides  its  subsidiary  companies  with  highly

HB/PS. Kitchen Collection’s minimum operating profit target

in this program will continue in 2004, with most of the

sourcing strategy to ensure cost leadership.

analytical, disciplined and dedicated value-added consulting

was adjusted to 5 percent from 5.5 percent to more accurately

resulting new products to be introduced from 2005-2008.

• A continuous quality improvement program encompassing

services. These services include not only business operations

reflect long-term trends in light of what now appears to have

• A  manufacturing  restructuring  and  quality  improve-

design, engineering, manufacturing  and  distribution.

and strategy consulting provided by the Company’s internal

been extraordinary results in 2002. North American Coal’s

ment  program which  is  increasing  quality, optimizing

Significant expenditures in this program have been incurred

consulting group, but also acquisition and divestiture services;

target was changed, due to the deconsolidation of its project

plant capacity and reducing complexity and costs. Though

and the largest expected gains are currently being realized.

financial, tax and accounting advisory services; and focused

mines, from a target based on operating profit to a minimum

elements of this program will continue for several years,

• A  supply  chain  optimization  program which  is  lowering

legal  and  compensation  services. The  parent  company’s

target based on return on capital employed.

the most substantial expenditures should be completed

costs while  increasing  customer  service  to  retailers. This

oversight  and  consulting  roles  are  reinforced  by  a  stringent

corporate governance program, as outlined in the box below.

NACCO Materials Handling Group

NMHG  Wholesale’s  objective  is  to  reach  a  minimum

Key Long-term Programs

operating  profit  target  of 9  percent  at  the  mid-point  of the

Consistent  with  NACCO’s  long-term  perspective,

market  cycle, although  minimum  operating  profit  target

key long-term programs are designed both to increase the

expectations will vary appropriately when markets are higher

profitability  of each  subsidiary  company  to  at  least  that

or  lower. In  that  regard, NMHG  now  believes  that  the

subsidiary’s minimum financial target and to generate growth

mid-point  of the  market  cycle  may  be  reached  by  2007-

in each subsidiary company. Following is a brief overview of

2008, rather than in 2006-2007 as stated in last year’s Annual

the Key Programs to Enhance Profitability and the Key Programs

Report, due to the slow pace of market recovery in 2003.

to Generate Growth for each subsidiary company. Additional

NMHG  continued  the  successful  implementation  of

detail is provided in each subsidiary company’s CEO’s letter in

key programs in 2003, a process which will continue in 2004.

this Annual Report.

Key Programs to Enhance Profitability

Key strategic cost reduction and operational improvement

programs are designed to achieve each subsidiary company’s

long-term minimum financial target. The Company continued

NMHG will incur additional costs in 2004 related to product

development  programs  as  well  as  to  some  restructuring

activities. Key  programs  in  place  are  expected  to  improve

results  increasingly  in  2005-2007 and to reach maturity in

2008 when major programs are expected to be largely complete

and  the  worldwide  lift  truck  market  is  expected  to  have

to  make  progress  in  implementing  these  key  programs  in

returned to average pre-recession levels.

Corporate Governance Program

Parent company oversight and consulting roles are reinforced by a corporate governance structure designed to ensure accountability,

fiscal responsibility and the highest levels of ethical conduct. At NACCO, this corporate governance program has four key elements:

• A strong, independent board of directors to ensure effective board oversight. This oversight is reinforced by our subsidiary company
structures,  in  which  each  subsidiary  company  has  its  own  CEO  and  its  own  strong,  independent  board  of  directors,  each  of  which
includes, as core board members, the parent company directors.

• A strong nominating and governance committee to ensure continued board independence.
• A strong compensation committee, which will be separated from the nominating and governance committee in the near future, to ensure

responsible compensation levels and no management self-dealing.

• A strong, independent audit review committee to ensure accounting integrity.

NACCO further addresses the issue of corporate governance in a publication entitled CEO Perspectives, which is available on the NACCO

Web site at www.nacco.com.

by the end of 2004.

program is being accomplished through staged, moderate

• A global procurement program which will result in higher

investments with resulting benefits on a continual basis.

quality components procured at lower costs and sourced

more  efficiently  from  a  smaller  group  of highly  reliable

Kitchen Collection

suppliers. Many benefits of this program should be realized

with the introduction of new products in 2005-2008.

Kitchen Collection’s objective is to continue to achieve at

least its minimum operating profit target of 5 percent. Specific

• A pricing optimization program which seeks to deliver

programs to enhance profitability include the following:

sound value to customers and more attractive margins to

NMHG and its dealers. This program is largely linked to

the introduction of new products in 2005-2008.

• An aftermarket efficiency program to assist independent

dealers, on  an  ongoing  basis, in  optimizing  service  parts

inventories.

• A NMHG Retail improvement program with an objective

of reaching  at  least  breakeven  results  for  wholly  owned

dealers as quickly as possible.

• An  Economic  Value  Income  analysis  process which  is 

a  highly  analytical  approach  to  achieving  the  greatest

possible return per cubic foot of retail space. The primary

investment  in  this  proprietary  tool  has  already  been

incurred and benefits are expected to continue from the

ongoing application of this process.

• Margin  enhancement  and  merchandising  programs

which  are  designed  to  strengthen  key  drivers  of store

profitability. This is a continuous process which prudently

tests  and  applies  low-risk  approaches  to  improving

Hamilton Beach(cid:2)Proctor-Silex

profitability.

HB/PS’ objective is to achieve a minimum operating profit

• A  private  label  program which  leverages  use  of the

target of 10 percent by 2005-2006, when its key programs are

Hamilton Beach® and Proctor-Silex® brand names on non-

expected to mature.

electric kitchen products. This program requires minimal

At  HB/PS, specific  programs  to  enhance  profitability

incremental investment and has resulted in product lines

include the following:

that are among the company’s most profitable.

• A new product development process which is resulting

in new products brought to market faster with increased

innovation and lower costs. This program, initiated several

years  ago, is  an  ongoing  focus  for  the  company  with

both near-term and long-term benefits expected.

-6-

-7-

North American Coal

$31.6 million, or $3.85 additional earnings per share. (These

• Retailer  and  channel  focus  programs which  employ

Throughout this period, NACCO’s objective is to generate

North American Coal’s financial objectives are to earn

calculations are explained on page 30 of this Annual Report.)

in-depth  assortment  analyses  and  flexible  product

significant  cash  flow  before  financing  activities. NACCO’s

a return on capital employed in excess of 13 percent and to

Clearly, the stakes involved in executing the Company’s profit

and service solutions in order to maximize retail shelf

intention is to use these cash flows to reduce debt levels unless

deliver  substantial  cash  flow  before  financing  activities.

enhancement and growth generation programs remain very

placements  and  consumer  sales. HB/PS  has  developed

other strategic opportunities of greater long-term benefit to

Programs  with  the  objective  of significant  performance

high and continue to have NACCO’s full commitment.

and  improved  this  program  over  several  years  with

the Company and its stockholders arise.

improvements are anticipated to mature in 2006-2007.

Specific  programs  to  enhance  profitability  include  the

Key Programs to Generate Growth

increasing effectiveness.

following:

Programs have also been designed to increase revenues

Kitchen Collection

• Aftermarket  parts  programs building  upon  important

North American Coal

• Employee safety programs, ongoing at North American

and expand market share at each subsidiary company. These

Coal, which improve productivity and employee retention,

programs supplement  profitability  enhancement  programs

and enhance profitability.

aimed at reaching minimum financial targets. While some of

• A  Mississippi  Lignite  Mining  Company  optimization

these programs have specific timeframes for maturity, many

program  which  focuses  on  attaining  full  operating

are  ongoing  programs  in  which  the  subsidiary  companies

efficiency in the context of higher costs due to mining

invest, and from which they gain benefits, on an ongoing basis.

deeper coal seams until 2006.

• A San Miguel Lignite Mining Operations improvement

program  which  is  intended  to  return  this  mine  to

profitability by 2006 through a revised mine plan and an

anticipated new contract that is currently in negotiation.

• Innovative  mining  methods  which  continue  to  drive

increased efficiency and effectiveness on an ongoing basis.

• Environmental  commitment  programs which  utilize

highly  precise  equipment  to  restore  mined  land  to  its

original or improved condition in the most cost-effective

manner.

Summary of Programs to Enhance Profitability

NACCO Materials Handling Group

Specific programs to generate growth include the following:

• New product introductions, including aggressive programs

for all lift truck categories, most of which will be introduced

in 2005-2008.

alliances  made  in  2002  to  increase  parts  and  service

revenues, with benefits realized in 2003 and expected to

increase in the future.

• National  and  global  account  programs, including  fleet

management, which will extend NMHG’s lead in these

areas and contribute to longer-term market share growth.

Overall, the  programs  outlined  above  are  designed  to

• Dealer  network  programs to  enhance  further  the

improve  performance  at  each  subsidiary  company  over

industry’s  most  professional  distribution  network  and

the  next  few  years, with  the  objectives  of achieving  both

contribute to long-term market share growth.

minimum financial targets at each subsidiary company by

2007-2008  or  earlier  and  generating  substantial  cash  flow

Hamilton Beach(cid:2)Proctor-Silex

before financing activities.

NACCO Industries reported net income of $52.8 million,

or $6.44 per share, in 2003. Had each of NACCO’s subsidiary

companies achieved its financial targets in 2003, the Company

would have generated additional net income of $82.9 million,

or  $10.10  additional  earnings  per  share. Further, assuming

increased cash flow could eliminate debt and thereby interest

costs, the Company could have had additional net income of

Specific programs to generate growth include the following:

• A new product introduction process which is an ongoing

process  that aims to increase innovation, improve speed to

market and reduce costs.

• Strategic brand application programs to leverage current

brands and offer creative, new brand options to retailers.

Two  new  brand  concepts  are  being  introduced  for  the

2004/2005 retail season.

Specific programs to generate growth include the following:

• The Gadgets & More® format, focused on the high-margin

gadget business, is expected to continue in test mode in

2004 and, if successful, will lead to more significant growth

in 2005 and beyond.

• A large store format with increased product offerings, a

new concept which is in testing and, which could, in future

years, create another profitable format in the factory outlet

mall market.

• Internet sales programs to accelerate profitable growth in

this channel in 2004 and beyond.

NACCO’s share price ($82.77 at the close of the financial

markets on March 1, 2004) has begun, we believe, to reflect

better the improved results of 2002 and 2003 and the potential

impact  of the  profit  enhancement  and  growth  programs

underway. If each  subsidiary  company  successfully  executes

its programs in place and achieves its long-term objectives, we

are hopeful that the Company will receive a further improved

valuation in the future.

In closing, I would like to thank all NACCO employees

for their continued support, hard work and commitment in

meeting the challenges of 2003 and I look forward to working

together toward a successful 2004.

*   *   *   *

Specific programs to generate growth include the following:

• Reserve development strategies which analyze reserve

potential  and  help  prioritize  development  efforts  for

future growth.

• Clean coal power generation technologies, the adoption

of which could significantly improve reserve develop-

ment potential in future decades.

On a final note, all of us at NACCO are deeply saddened

by the death in 2003 of Frank E. Taplin, Jr., a director from

January  1946  to  February  1997, a  director  emeritus  since

then, and  the  eldest  son  of our  Company’s  founder. The

contributions  he  made  to  the  Company  for  over  half a

century are  immeasurable. His  wise  guidance  and  sound

counsel were instrumental in transforming a  coal  company

• Limerock dragline services projects which continue to

with $18 million of sales in 1946 into a diversified company

provide  niche  contract  mining  opportunities, and

with $2.5 billion of sales in 2003. We are very grateful for his

could result in benefits in both the short and long term.

extraordinary service.

Outlook

In  summary, the  Company  has  comprehensive  profit

enhancement and growth programs in place at each of its

subsidiary  companies. The results of these programs will be

increasingly  visible  in  2005-2006  as  the  Company  moves

toward its ultimate objective of reaching minimum financial

targets at each subsidiary company by 2007-2008 or earlier as

programs  mature. Financial  performance  could  also  benefit

from improved markets as well as the successful implementation

of additional growth programs.

Alfred M. Rankin, Jr.
Chairman, President and
Chief Executive Officer
NACCO Industries, Inc.

-8-

-9-

NMHG’s vision is to be the

leading globally integrated designer,

manufacturer and marketer of a complete

range of high-quality lift trucks. Delivering 

quality products and services, and increasing 

volume growth and market share, are 

the company’s top priorities.

NACCO Materials Handling Group

2003 Results – NMHG Wholesale

2003 Results – NMHG Consolidated

NMHG Wholesale reported net income of $22.4 million

NACCO Materials Handling Group (“NMHG”), including

on revenues of $1.6 billion in 2003 compared with net income

NMHG Wholesale and NMHG Retail, generated consolidated

of $21.5 million on revenues of $1.4 billion in 2002. A slightly

cash  flow  before  financing  activities  of $39.0  million  in

increased  worldwide  lift  truck  market  in  2003  estimated  at

2003 and $64.8 million in 2002. In addition, NMHG reduced

577,000 units led to an increase in shipments to 70,406 compared

consolidated debt  to  $307.7  million  at  December  31, 2003

with a market of 544,000 and shipments of 64,437 in 2002.

compared  with  $324.8  million  at  December  31, 2002. Net

NMHG Wholesale’s 2003 shipments increased approximately

income and consolidated cash flow before financing activities

9 percent over 2002 shipments, exceeding worldwide market

in 2003 were negatively affected by adverse foreign currency

growth  of approximately  6  percent. Backlog  increased  to

movements  and, as  anticipated, by  continued  costs  for  the

19,100  units  at  December  31, 2003  compared  with  18,800

previously announced manufacturing restructuring programs

units at December 31, 2002.

2003 Results – NMHG Retail

and product development activities related to new Hyster® and

Yale® products that will be introduced in 2005 through 2008.

NMHG Retail’s operations (net of eliminations) reported

Vision, Strategy and Core Competencies

a net loss of $6.0 million on revenues of $162.6 million in

NMHG’s vision is to be the leading globally integrated

2003 compared with a net loss of $9.2 million on revenues

designer, manufacturer and marketer of a complete range

of $172.2 million in 2002, demonstrating progress but still 

of high-quality  lift  trucks. Delivering  quality  products  and

a  disappointment. Continued  execution  of NMHG  Retail’s

services, and increasing volume growth and market share, are

global restructuring program, as well as an increased focus on

the company’s top priorities.

sales, rental, parts and service, resulted in further improvements

The company’s strategies for achieving its vision include

to financial performance on lower revenues in 2003. NMHG

developing flexible, reliable, end-user-driven products; attaining

Retail’s global restructuring program included the sale of the

low-cost, high-quality  manufacturing  and  procurement;

only U.S. wholly owned dealer at the beginning of 2003, which

providing  value-added  marketing  support  services; and

contributed to the decline in revenues.

maintaining  and  strengthening  highly  professional  dealer

Counter clockwise from top left: Hyster Challenger 25-40XM internal combustion lift truck designed to operate in the tightest of spaces, up to a
capacity of 4,000 pounds.  • Yale  NTA  narrow  aisle  lift  truck  offers  exceptional  performance,  ergonomic  design  and  operator  comfort  for
increased  productivity  and  reliability.  •  Hyster  36,000-45,000  pound  lift  truck  designed  for  tough  applications  ranging  from  steel  to  logging
yards, quarries and concrete works. • Yale MPE motorized hand truck provides capacity ranges from 6,000 to 8,000 pounds. • Hyster E70-120 XL3
series electric lift truck available for loads up to 12,000 pounds.

Revenues by Geographic Region

Unit Bookings, Shipments & Backlog

(In millions)

$1,932.1

$1,761.4

$1,672.4

$1,588.4

$1,779.6

1999

2000

2001

2002

2003

$2,000

$1,500

$1,000

$500

$0

25,000

20,000

15,000

10,000

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q 2 Q3 Q4
2002

2001

2003

 (cid:3) Americas      (cid:3) Europe, Africa and Middle East      (cid:3) Asia-Pacific

 (cid:3) Bookings      (cid:3) Shipments      (cid:3) Backlog

-11-

Above left to right: Yale MPE motorized hand truck is ergonomically designed for reduced operator fatigue and improved productivity.• Yale MPC motorized
pallet truck with capacity ranges from 6,000 to 8,000 pounds and features for enhanced order-picking productivity and improved operator comfort.

distribution. These  strategies, which  are  supplemented

Manufacturing restructuring and quality improvement.

by high  relative  economies  of scale  and  reinforced  by  the

NMHG’s  manufacturing  strategy  is  guided  by  a  desire  for

company’s large  global  population  of lift  trucks  in  use, are

high-quality, low-cost manufacturing with assembly generally

designed  to  provide  NMHG  with  sustainable  competitive

in  the  market  of sale  to  meet  customer  needs  quickly  and

advantage versus its competition.

efficiently. To  accomplish  these  goals, NMHG  has  been

NMHG’s core competencies supporting these strategies

restructuring its global manufacturing facilities and processes.

include translating end-user needs into globally flexible product

The company is working to optimize capacity among several

designs; adapting operations to changing market conditions;

key plants, including Greenville, North Carolina, and Berea,

managing  the  growing  complexity  of customer  needs; and

Kentucky, in  the  United  States, and  Irvine, Scotland, and

building and sustaining strong dealer partnerships.

Craigavon, Northern Ireland, in Europe. The final phases of

Key Programs to Enhance Profitability

this restructuring are underway and include the closing of

the company’s Lenoir, North Carolina, lift truck component

NMHG is successfully implementing several key programs

facility, which  is  anticipated  to  be  completed  in  the  second

to enhance long-term profitability.

quarter of 2004. The restructuring of the Irvine, Scotland, lift

New product development process. NMHG has com-

truck assembly plant is underway, with completion expected

pletely re-engineered its process for developing new products.

within the next 18 to 24 months.

Complete ranges of products are being developed simultane-

The continued implementation of a lean manufacturing

ously rather than on a traditional series-by-series approach.

strategy called Demand Flow Technology® (DFT) is reducing

Platforms, modules and components have been designed to be

inventory and manufacturing floor space requirements while

used across a full array of lift trucks. This decreases the overall

improving productivity, lead times and quality. NMHG also

number of components required and permits easier and more

continues  to  deliver  cost  reductions  and  product  quality

frequent  future  upgrades. Finally, design, prototyping  and

improvements through its Value Improvement Program (VIP).

testing are guided by a rigorous, staged approval process that

Global procurement. NMHG has a number of procure-

incorporates increasingly reliable engineering while reducing

ment efforts underway to make its supplier base smaller, more

overall cycle time and increasing speed to market. This approach

reliable, faster and lower cost. Non-core components continue

is  expected  to  increase  the  quality  of NMHG’s  products, as

to  be  outsourced  to  low-cost  suppliers  around  the  world,

well as meet end-user requirements more cost effectively.

with increased focus on China and Eastern Europe. NMHG

is  implementing  new  supplier  partnerships  and  quality

programs  and  setting  standards  for  just-in-time  delivery.

These programs, along with global economies of scale, provide

At right: Hyster container handler truck, a solid performer for use at ports and railroad terminals for loading and stacking containers.

-12-

NMHG with leverage to obtain high-quality components at

New product introductions. NMHG continues to move

lower prices and are expected to be an important source of

forward with a significant new product development program

profit improvement in the years ahead.

that  is  expected  to  mature  in  2005-2008. One  program, the

Pricing  optimization. The  goal  of NMHG’s  pricing

most comprehensive new product development project in the

optimization  program  is  to  establish  product  pricing  that

company’s history, will result in a wide range of new internal

delivers both good value to end users and attractive margins

combustion engine lift trucks in 2005-2007. Extensive use of

to  dealers  and  the  company. NMHG  is  pursuing  this  goal

interchangeable components and systems will increase flexi-

through implementation of the company’s new product design

bility to tailor these lift trucks to individual customer application

philosophy, which, by  incorporating  a  modular  approach

requirements. Additional new product programs employing

using fewer overall components, allows products to be more

the same techniques are underway through 2008 for electric

precisely  configured  and, therefore, priced  to  meet  specific

counterbalanced lift trucks. Big truck and warehouse lift truck

customer application needs. Product options will be bundled

product development programs are also underway.

as appropriate to address additional application requirements.

Aftermarket parts. In 2003, NMHG continued to leverage

Aftermarket  efficiency. NMHG  has  several  projects

an important strategic alliance made in 2002 with a leading

underway to increase aftermarket service efficiencies, including

aftermarket parts provider in the Americas, Europe and Asia-

a program to help manage dealer parts inventories and a program

Pacific. This alliance has enhanced the ability of NMHG’s Yale

to improve the management of after-sale contacts with dealers

and Hyster dealers to expand their parts offerings for com-

and customers.

petitor  lift  trucks  and  thereby  receive  an  increasing  market

NMHG  Retail  improvements. NMHG  continues  to

share of their customers’ parts and service business.

implement cost reduction and revenue enhancement programs

National  and  global  accounts. NMHG  has  industry-

to improve the performance of its wholly owned retail dealer-

leading fleet management and national account organizations

ships. NMHG Retail reduced its net loss by 35 percent from

and is enhancing its global account capabilities. The goal of

2002 to 2003. The objective of the programs in place is to reach

these programs is to offer superior value and services to large

at  least  breakeven  results  as  quickly  as  possible, while  still

customers that have centralized purchasing but geographically

strengthening the distribution capability in each area.

dispersed  operations  in  multiple  dealer  territories  around

the world.

Key Programs to Generate Growth

Dealer network. The company’s Anchor Dealer strategy

As  discussed  in  last  year’s  Annual  Report, NMHG’s

continues  to  strengthen  a  worldwide  network  of strong,

programs to  enhance  growth  center  on  introducing  newly

professionally managed, well-capitalized independent dealers.

developed  products, increasing  sales  of aftermarket  parts,

NMHG’s  experience  is  that  these  exclusive Yale  and  Hyster

expanding fleet management and financial services, increasing

Anchor Dealers gain higher market share, attract higher-quality

national  and  global  accounts, and  strengthening  the  dealer

employees and offer more specialized services to their customers.

network.

Left  to  right:  Hyster  360-450  turbo-charged  diesel-powered  lift  truck  designed  with  a  capacity  up  to  36,000  pounds.  •  Hyster  order  picker 
for fast and secure picking operations. • The S 80 Odyssey propane cushion tire lift truck handles loads ranging from 7,000 to 12,000 pounds.

®

-14-

Left to right: Yale order selector fills the needs for all mid-range warehouse applications. • Yale cushion tire lift truck has a 7,000 to 12,000 
pound capacity. • Yale three wheel stand-up rider lift truck for 3,000 to 4,000 pound applications.

To  drive  further  improvement  in  the  Hyster  and  Yale

As a result of this delay in achieving efficiencies available at

dealer networks, NMHG is implementing a Dealer Excellence

higher market volumes, and in light of additional new product

Enhancement  program, which  provides  dealers  with  best-

development  programs, NMHG  Wholesale’s  objective  is  to

practices  manuals  and  performance  assessment  tools  in  the

achieve its long-term operating profit target of 9 percent by

areas of operational and financial management, lift truck sales,

2007-2008, rather  than  in  2006-2007, as  stated  last  year.

parts sales, service, rental and fleet management. NMHG also

NMHG’s  goal  is  to  make  increasing  progress  toward  this

offers customized consulting assistance to help dealers imple-

objective  in  future  years, especially  in  2006, as  programs

ment these programs to drive improved sales and profitability.

begin to mature. During periods of lower or higher industry

Corporate Initiatives

NMHG  is  improving  quality  by  standardizing  global

processes and emphasizing continuous process improvement. In

2003, NMHG achieved ISO 9001-2000 certification. In addition,

NMHG is implementing new tools and systems, which support

parts sales, technicians and knowledge management, in order

to become more responsive and improve service at all points of

dealer and customer contact.

As  previously  stated, the  objective  of NMHG’s  overall

strategy is to build sustainable competitive advantage versus

its  competition  through  strong  market  share, a  large  field

population, which  provides  ongoing  parts  revenue, and 

significant economies of scale.

Outlook for 2004 and Beyond

In 2004, NMHG expects modest strengthening of lift truck

markets in the Americas and Japan, strong growth in the China

lift truck market and relatively flat lift truck markets in Europe

and the rest of Asia-Pacific. Because U.S. and global market

growth in 2003 was more tempered than widely anticipated a

year ago, NMHG now expects global lift truck markets to gradu-

ally return to average pre-recession levels by 2007-2008, rather

than in 2006-2007 as indicated in last year’s Annual Report.

volumes, minimum operating profit target expectations should

be appropriately scaled.

NMHG Retail’s objective for its wholly owned dealerships

is  to  reach  at  least  break-even  financial  performance  while

building market position and to attain that goal in the near term.

We believe NMHG is increasingly offering the right products

at the right costs through the right dealers. As a result, NMHG

believes firmly in its prospects for long-term growth in market

share and profitability in an improving market environment.

Finally, I would like to take this opportunity to recognize

the  excellent  work  of all  NMHG  employees  in  helping  the

company  realize  improved  financial  performance  in  2003

during  a  slow  recovery  period, while  continuing  to  make

progress on initiatives to enhance NMHG’s future prospects.

Reginald R. Eklund
President and Chief Executive Officer
NACCO Materials Handling Group, Inc.

-15-

NACCO Housewares Group

2003 Results

Hamilton Beach(cid:2)Proctor-Silex has a deep understanding

NACCO Housewares Group, which includes Hamilton
Beach(cid:2)Proctor-Silex  and  Kitchen  Collection, reported  net

of consumer preferences and product trends within the small

electric kitchen and household appliance marketplace. Kitchen

income of $19.5 million on revenues of $598.7 million in 2003

Collection understands the logic and criteria used by retailers

compared with net income of $17.8 million on revenues of

in allocating limited shelf space among competing housewares

$610.3 million in 2002. Revenues for 2003 decreased primarily

products, brands and vendors.

due to declines in consumer spending both for small electric

In addition to carrying a broad range of Hamilton Beach

kitchen  and  household  appliances  at  key  retail  customers
for Hamilton Beach(cid:2)Proctor-Silex, and in the factory outlet

and Proctor-Silex® electric  products, Kitchen  Collection

licenses these brand names for non-electric products. Products

channel for Kitchen Collection.

ranging  from  kitchen  gadgets  to  cookware  have  benefited

Net income increased in 2003 due to continued improve-

substantially from the use of these strong heritage brand names,

ment in manufacturing and sourcing efficiencies and profit
improvement programs at Hamilton Beach(cid:2)Proctor-Silex, as

well  as  increased  sales  of innovative  products  such  as  the

Hamilton Beach® BrewStation™ coffeemaker.

In 2003, the Housewares Group generated $35.4 million

making  these  among  Kitchen  Collection’s  most  profitable

product lines.

Finally, Kitchen  Collection  purchases  overstocked 
merchandise from Hamilton Beach(cid:2)Proctor-Silex. This arrange-
ment helps Hamilton Beach(cid:2)Proctor-Silex manage inventory,

in cash flow before financing activities  compared with $48.8

contributing to reductions in inventory and debt levels, and

million in 2002.

helps  Kitchen  Collection  offer  a  steady  stream  of higher-

value products to its customers.

Complementary Operations

While the operations of Hamilton Beach(cid:2)Proctor-Silex

and Kitchen Collection are separate, certain aspects of their

businesses are complementary.

NACCO 

Housewares Group consists of

Hamilton Beach(cid:2)Proctor-Silex, one of

North America’s leading providers of a full

line of small electric kitchen and household

appliances, and Kitchen Collection, America’s

leading outlet mall retailer of specialty

brand-name kitchenware.

®

Net Income (Loss) 

Cash Flow before Financing Activities

(In millions)

(In millions)

$21.2

$17.8

$19.5

$8.8

($12.2)

$30

$20

$10

$0

($10)

($20)

$48.8

$35.4

$50

$40

$30

$20

$10

0

($10)

$15.1

($7.2)

$5.0

1999

2000

2001

2002

2003

1999

2000

2001

2002

2003

-17-

2003 Results

Vision, Strategy and Core Competencies

Hamilton  Beach(cid:2)Proctor-Silex  (“HB/PS”)  had  a  good

HB/PS’ vision  is  to  be  the  leading  North  American

year in 2003, reporting improved net income despite lower

provider of small electric kitchen and household appliances

revenues compared  with  2002. Net  income  benefited  from

that are sold under strong heritage brand names and provide

manufacturing, sourcing and distribution efficiencies, increased

consumers with innovative features and superior value.

sales of higher-margin products and reduced expenses.

The company’s strategies for achieving its vision include

Revenues decreased in 2003, despite an increased number

developing  innovative, high-quality  products; continuously

of HB/PS  product  placements  on  major  retailers’ shelves,

reducing costs; aligning brands with key consumer segments;

due to continued softness in the retail marketplace for small

and sustaining highly professional sales and marketing programs.

electric  kitchen  and  household  appliances  and  consumer

Core  competencies  supporting  these  strategies  include

purchases below expectations. Decreased revenues in several

researching, designing  and  testing  new  product  concepts;

categories were partially offset by increased sales of innovative

driving improvement through detailed value chain analyses;

new  products, such  as  the  Hamilton  Beach® BrewStation™

understanding end-user buying behavior as a foundation for

coffeemaker (shown at left), which eliminates the need for a

building brands; and matching products and services to specific

carafe  by  brewing  coffee  into  a  built-in  thermal  container,

retailer assortment needs.

allowing  coffee  with  fresh-brewed  flavor  to  be  dispensed

cup-by-cup.

Clockwise from top left: Hamilton Beach(cid:2)Proctor-Silex‘s newest products include: Hamilton Beach BrewStation™ coffeemaker, Hamilton Beach
Stay or Go™ blender, Proctor-Silex® 1.5 qt. slow cooker, TrueAir™ odor eliminator, Hamilton Beach 2-slice toaster.

The Building of HB/PS – NACCO’s Long-term Perspective

The history of the formation and development of HB/PS exemplifies NACCO’s long-term perspective. NACCO acquired WearEver/Proctor-
Silex in 1988. In order to create more focused businesses, Kitchen Collection, which had been purchased along with WearEver/Proctor-Silex,
was established as an independent subsidiary company with dedicated management, and the WearEver cookware business was sold to Newell
Co. In 1990, Hamilton Beach, a company that produced primarily motor-driven small kitchen appliances, was acquired and merged with Proctor-
Silex, a company that produced primarily heat-driven small kitchen and garment care appliances. 

In succeeding years, with consulting assistance from NACCO Industries, the company fully integrated the operations of its predecessors,
repositioned the two heritage brands to serve different price-point segments with a broad array of both motor- and heat-driven products, began
producing GE-branded products for Wal-Mart and successfully entered the home health category with the TrueAir™ brand. The company is currently
introducing the Traditions™ by Proctor-Silex and the Hamilton Beach Eclectrics™ lines to serve additional price-point segments.

HB/PS has entered 17 new product categories over the last 14 years, now participates in a total of 38 categories, and has captured a #1
or #2 market share in 20 categories. Today, HB/PS is recognized by retailers for superior products and services and industry-leading category
management capabilities. Other new programs are in development as the company pursues additional product categories, increased market
share and long-term profitable growth.

-19-

A few of the newest products from Hamilton Beach(cid:2)Proctor-Silex also include (from left to right): Hamilton Beach Stay or Go™ coffeemaker, 
General Electric® 2-slice toaster, Proctor-Silex 12 cup coffeemaker, Hamilton Beach Professional iron. 

Key Programs to Enhance Profitability

implemented quality programs from design and engineering

Product development process. HB/PS’ product develop-

through manufacturing and distribution. As a result, HB/PS

ment process, which has evolved over the last several years,

has achieved significant quality improvements as evidenced by

is designed to increase each product’s probability of market

product return rates, which declined significantly again in 2003.

success. Elements of this approach include a rigorous product

Supply  chain  optimization. Intense  focus  on  supply

strategy  process  that  includes  detailed  analysis  of consumer

chain management in 2003 resulted in significant performance

preferences, highly efficient design techniques and collabora-

improvements  both  within  the  company  and  for  HB/PS’

tive  engineering  with  multiple  Chinese  partners  who  often

retailer  customers. Process  and  software  enhancements

contribute meaningfully to product development. The goals

helped  reduce  overall  inventory  while  improving  customer

are to deliver high consumer satisfaction at competitive costs

service. Further  efficiencies  should  be  gained  in  2004  from

on both current and innovative new products, and to enter

implementation of a collaborative planning, forecasting and

new product categories. Because of HB/PS’ up-front attention

replenishment (CPFR) process with some key retailers. HB/PS

to  consumer  preferences  and  retailer  needs, the  company’s

continues to improve distribution performance at its Memphis,

products sell well with lower promotional expenses than many

Tennessee, facility  as  well  as  to  offer  further  efficiencies

competitors’ products require.

through direct-ship programs to retailers’ warehouses.

Manufacturing cost reduction. A number of manufac-

turing  efficiency  programs  are  contributing  to  HB/PS’

successful  record  of continuous  cost  reduction. Programs

include continued consolidation of Mexican manufacturing

plants  and  increased  low-cost, high-quality  sourcing  from

China, where  HB/PS  has  established  a  permanent  office.

HB/PS hopes to have these efforts completed by 2005. Also, at

both company-owned and Chinese suppliers’ plants, HB/PS

implements its ongoing Value Improvement Program (VIP),

which  seeks  to  reduce  process  and  component  costs  while

continuously maintaining high quality.

Continuous quality improvement. Product and service

quality is a top priority at HB/PS. The company is committed

to  continuous  quality  improvement  and  has  successfully

Key Programs to Generate Growth

New product introductions. HB/PS continues to increase

the pace of new product introductions sold under its various

brand names. In-depth consumer research enables the company

to develop products with innovative consumer-preferred features

and high rates of market success. In the company’s consumer

business, the Hamilton Beach BrewStation™ coffeemaker is

an example of a breakthrough new product that has driven

significant growth, with shelf placement in nearly every major

housewares retailer. Sales of home health products continue to

grow under the TrueAir™ brand name, and other new product

areas remain under consideration. In the company’s commercial

business, new  blenders, coffeemakers  and  coffee  urns  were

The  objective  of HB/PS’ overall  strategy  is  to  grow

successfully introduced in 2003, and more new products are

profitably through increased sales of high-margin, innovative

planned for 2004.

new  products  sold  through  a  wide  range  of retailers  and

Strategic brand application. HB/PS has developed and

distribution channels.

utilizes a proprietary consumer “value proposition” segmen-

tation  analysis  that  helps  the  company  and  retailers  apply

Outlook for 2004 and Beyond

brand  names  most  effectively  in  the  marketplace. Proctor-

HB/PS is hopeful that consumer markets will improve in

Silex‚ Hamilton Beach, TrueAir™, and the new Traditions™ by

2004. Since the small electric kitchen and household appliance

Proctor-Silex and Hamilton Beach Eclectrics™ brands will be

market  declined  more  than  expected  in  2003, it  is  possible

deployed  across  multiple  retailers  to  reach  specific  target

that the pace of recovery through 2004 will be slow. In this

markets. Other brands produced by the company are sold

uncertain and competitive environment, continued product

exclusively  at  certain  retailers, such  as  the  well-known

innovations, reduced  costs, strong  brands  and  heightened

General  Electric  brand  at  Wal-Mart. Product  and  service

channel efforts are expected to help HB/PS maintain leading

costs associated with each brand are aligned with the needs

market share positions.

of its target segment through detailed value chain analysis.

The longer-term objective for HB/PS is that the combi-

New brand names and licensing opportunities are constantly

nation  of profit  improvement  programs  and  some  growth

evaluated to generate end-user excitement and fuel growth.

programs move the company to achieve its minimum operating

Retailer and channel focus. HB/PS  helps  each  retailer

profit target of 10 percent in the 2005-2006 time period, as well

develop  an  optimal  product  assortment  strategy, a  process

as to generate significant cash flow before financing activities.

that lies at the heart of HB/PS’ marketing and sales approach.

Additional growth programs are designed to help the company

In-depth  analyses  are  performed  for  each  retailer  to  help

go  beyond  its  minimum  operating  profit  target  and  to  add

determine the combination of products, features and prices

profitable volume to this enhanced profit base.

most  likely  to  succeed. These  detailed  analyses  drive  the

Last year, I extended my gratitude to all Hamilton Beach(cid:2)

product  development  process,

improve  speed-to-market,

Proctor-Silex employees for their contributions in making the

increase retailer acceptance and have resulted in HB/PS being

named category manager at a number of key North American

company successful in a difficult 2002. The market challenges
continued in 2003. Once again, Hamilton Beach(cid:2)Proctor-

accounts. The company applies this approach to strengthen

Silex employees demonstrated creativity, commitment and

current retailer relationships and to pursue new distribution

diligence  in  helping  the  company  again  achieve  financial

opportunities throughout North America and other selected

improvement. I continue to be truly thankful for the quality

international markets.

Corporate Initiatives

In addition to profitability and growth programs in specific

areas, HB/PS  has  two  general  performance  improvement

programs that span all areas of the company. A focused expense

management effort, which helped the company increase net

income despite lower revenue in 2003, will continue in 2004.

The  company  also  utilizes  Economic Value  Income  (EVI)

analyses, a measure of return on invested capital, to identify and

prioritize opportunities for growth and profit improvement.

of our team in this demanding business environment.

Dr. Michael J. Morecroft
President and Chief Executive Officer
Hamilton Beach(cid:4)Proctor-Silex, Inc.

-20-

-21-

concept proves to be adequately profitable, additional larger

a  minimum  operating  profit  of 5  percent  and  to  generate

stores  could  be  added, which  would  contribute  to  Kitchen

substantial  cash  flow  before  financing  activities  by  focusing

Collection’s growth.

on its core programs: optimizing store selling space, enhancing

Internet  sales. Sales  from  the  company’s  Web  site,

store merchandise mix, expanding private label lines, developing

www.kitchencollection.com, although  modest, grew  by

new store formats and aggressively managing costs.

37.5 percent in 2003 compared with 2002, and this channel is

Last  year, the  company  communicated  a  long-term

profitable for the company. As marketing activities increase,

minimum operating profit objective of 5.5 percent, a goal that

such as direct e-mail campaigns and Web partner programs,

was set following what, in retrospect, was an extraordinarily

Internet sales are expected to increase further.

strong 2002 as outlined above. Accordingly, the objective has

Corporate Initiatives

now been reduced to a more appropriate level of 5 percent,

which would still permit well-above-average returns on capital.

Kitchen Collection constantly strives to control costs in

Finally, I want to take this opportunity to thank all of our

every  area  of the  company  in  order  to  improve  store  prof-

Kitchen  Collection  employees  for  helping  the  company

itability. Significant  store  costs, such  as  rent  and  labor, are

achieve  solid  results  in  2003, a  year  in  which  the  company

rigorously analyzed and efforts to reduce further the costs of

faced significant challenges in the retail marketplace.

distributing products to the stores are underway.

The objective of Kitchen Collection’s overall strategy is

to maintain the profitability of the current Kitchen Collection

stores  while  successfully  achieving  growth  by  rolling  out

profitable new store formats.

Outlook for 2004 and Beyond

Kitchen  Collection  expects  moderate  growth  in  2004

from opening new stores and from the continued success of

Internet sales. The company’s objective is to continue earning

Randolph J. Gawelek
President and Chief Executive Officer
The Kitchen Collection, Inc.

Kitchen Collection's Gadgets & More store in the Beachwood Place mall near Cleveland, Ohio, features higher-margin, brand-name kitchen
gadgets, small electric appliances and a variety of other kitchen- and housewares-related products.

2003 Results

company continues to utilize its proprietary Economic Value

Kitchen Collection had a good year in 2003 taking into

Income (EVI) business tool to assist in determining how to

account lower traffic in outlet malls, which led to moderately

achieve  the  greatest  possible  return  per  cubic  foot  of retail

lower sales and lower net income than in 2002. Comparisons

space. Combined with other revenue and margin enhancement

of 2003  to  2002  require  recognition  that  2002  was  an

programs, EVI assists in optimizing the most profitable mix of

extraordinary  year  for  Kitchen  Collection, with  unusually

products, the amount of space allocated to each product and

high sales growth of 13.5 percent above 2001 and high levels

the most appropriate store size.

of profitability partly attributable to its major competitor,

Margin  enhancement  and  merchandising  programs.

Lechter’s, leaving the outlet mall business. Over the longer

Kitchen  Collection  continually  tests  and  implements  new

term, Kitchen Collection should continue to benefit from the

approaches  to  increase  traffic, to  increase  the  percentage  of

closing of the Lechter’s stores in 2001.

individuals  who  make  purchases  after  they  enter  a  store, to

The  modest  sales  decrease  in  2003  was  driven  by  a

encourage customers to purchase higher-margin items and to

reduced number of transactions in comparable stores, offset

increase the average purchase amount of those who buy.

slightly by a small increase in the amount of the average sales

Private label. Kitchen Collection continues to expand its

transaction and sales from new stores. In addition, sales were

lines  of sourced  private  label  merchandise  featuring  the

adversely  affected  by  severe  weather  in  the  first  and  fourth

Hamilton Beach® and Proctor-Silex® brand names, which are

quarters. The number of Kitchen Collection® and Gadgets &

among  Kitchen  Collection’s  most  successful  and  profitable

More® stores increased from 173 in 2002 to 180 in 2003.

product  lines. These  product  lines  now  feature  nearly  400

items, including  gadgets, cutlery, cutting  boards, barbecue

Vision, Strategy and Core Competencies

tools, bakeware and cookware.

Kitchen  Collection’s  vision  is  to  be  a  leading  specialty

retailer of housewares, including cookware, bakeware, kitchen

Key Programs to Generate Growth

gadgets and related items, in outlet and traditional malls for

Gadgets  &  More. The  Gadgets  &  More  store  format,

consumers seeking outstanding value.

which is still in test mode, continues to represent the company’s

The company’s strategy is to maintain a strong position

most promising driver of future growth. Located primarily in

in  the  outlet  mall  channel  and  to  develop  complementary

traditional enclosed malls, Gadgets & More stores sell a broad

store formats that can be profitably expanded to large numbers

range  of higher-margin  kitchen  gadgets  and  other  selected

of stores in traditional malls.

housewares products. The company currently has only eight

Core  competencies  supporting  this  strategy  include

Gadgets & More stores in a potential market of more than 500

analyzing  assortment  performance  to  optimize  store  prof-

traditional enclosed malls. However, Kitchen Collection will be

itability and creating and refining store concepts to ensure

prudent in the pace with which it opens additional stores in

profitable expansion.

order to ensure that sales volumes and profit structure meet

Kitchen Collection’s objectives.

Key Programs to Enhance Profitability

Large  store  format. In  the  outlet  channel, Kitchen

Kitchen Collection has in place several key programs to

Collection  is  currently  testing  a  larger  format  store  that

grow profitably in a highly competitive retail environment:

will  offer  an  expanded  assortment  in  several  key  areas,

Economic  Value  Income. Kitchen  Collection  utilizes

including tabletop, dinnerware and glassware items. If this

disciplined  operating  controls  to  improve  margins. The

-22-

North American Coal’s

vision is to be the leading low-cost miner

of lignite coal used in power generation and

coal gasification plants and to provide

selected value-added mining services 

for other natural resources 

companies.

The North American Coal Corporation

2003 Results

Also contributing to lower net income was the adoption of

North American  Coal  operates  mines, which, in  total,

SFAS No. 143, which requires that future mine closure costs be

delivered 35.5 million tons of lignite coal in 2003 compared

recognized sooner than under North American Coal’s previous

with 34.2 million tons in 2002, maintaining North American

accounting  methodology. The  effect  of this  methodology

Coal’s position as the nation’s largest lignite coal producer and

change was a charge of $1.3 million, net of tax, recognized as

among  the  top  10  coal  producers  nationwide. The  Florida

a cumulative effect of an accounting change. Income before the

dragline operations increased limerock deliveries by approxi-

cumulative effect of an accounting change in 2003 was $15.6

mately  4  percent  in  2003  over  2002. The  Company’s  lignite

million, compared with $19.6 million in 2002.

coal  reserve  position,

including  unconsolidated  project

The adoption of Financial Accounting Standards Board

mines, remains  strong  with  a  total  of 2.4  billion  tons  of

Interpretation No. 46 (“FIN No. 46”) has dramatically changed

which 1.3 billion tons are committed to current customers.

the presentation of North American Coal’s financial statements.

Unconsolidated project mines account for 1.1 billion tons 

For many years, the company has explained the unique financial

of total reserves, all of which are committed to project mine

characteristics  of three  subsidiaries: The  Coteau  Properties

customers.

Company, The  Falkirk  Mining  Company  and  The  Sabine

Although North American Coal delivered more tons of

Mining Company (collectively the “project mines”), in which

lignite  coal  in  2003  than  in  2002, net  income  declined  to

ownership of modest equity investments resulted in the con-

$14.3 million in 2003 compared with $19.6 million in 2002.

solidation of the debt obligations of the project mines which

The  decrease  was  primarily  the  result  of losses  at  North

were  fully  guaranteed  by  its  customers, and  in  fact, non-

American  Coal’s  San  Miguel  Lignite  Mining  Operations

recourse  to  North American  Coal. FIN  No. 46  requires  the

attributable to high operating and maintenance costs of aged

deconsolidation of the project mines from North American

equipment, and receipt in 2002 of the last liquidated damage

Coal’s financial statements. The company believes the resulting

payments related to the delayed start up of the Mississippi

financial statements better reflect the fundamental economics

Lignite Mining Company’s customer’s power plant.

of the project mines. (The adoption of FIN No. 46 is further

described in the boxes at the bottom of this page and page 2.) 

Top  left: The  dragline  at The  Coteau  Properties  Company  in  North  Dakota,  North American  Coal’s  largest  unconsolidated  project  mining
operation. Middle: North American Coal’s limerock mining operation at White Rock Quarry in South Florida. During 2003, the contract for
these mining services was extended to 2010. Bottom: North American Coal is committed to protecting the environment by restoring mined
land to its original or better condition. At The Falkirk Mining Company in North Dakota, one of North American Coal’s unconsolidated project
mines, land once used for surface mining now hosts migrating waterfowl in the fall and spring.

Adoption of FIN No. 46

During the fourth quarter of 2003, North American Coal adopted Financial Accounting Standards Board Interpretation No. 46 (“FIN No.
46”), “Consolidation of Variable Interest Entities,” which the company chose to retroactively apply to January 1, 2002. As a result of the adoption
of FIN No. 46, the company no longer consolidates the financial statements of three of its wholly owned subsidiaries: The Coteau Properties
Company, The Falkirk Mining Company and The Sabine Mining Company (collectively, the “project mines”). These project mines sell lignite coal
at a formula price based on actual costs plus an agreed pre-tax profit per ton. These entities are capitalized primarily with debt financing, which
has been arranged and guaranteed by the project mines’ customers. 

Previously disclosed financial results for 2002 have been restated to reflect the adoption of FIN No. 46. The effect of deconsolidation was to
decrease previously reported 2002 revenues by $263.1 million, but to leave reported net income unchanged. The company still has a 100 percent
equity investment in the project mines; however, the pre-tax earnings are now included in one line on the statement of operations entitled
"Earnings of unconsolidated project mining subsidiaries." In addition, the assets and liabilities of the project mines are no longer consolidated
within the company’s balance sheet, although the balance sheet now reflects an investment in the project mines and related income tax
obligations. The company’s invested capital in the project mines was $4.9 million at December 31, 2003 and 2002. 

-25-

The  adoption  of FIN  No. 46  did  not  change  North

calendar  year  without  incurring  a  single  lost-time  accident.

• Utilizing  Easi-Miners, equipment  resembling  road

Limerock projects. The company is increasingly optimistic

American Coal’s reported net income. However, North American

North American Coal continues to believe that its commitment

Coal’s reported revenues from mining operations were reduced

to safety and strong employee relations improves productivity

significantly. In  2002, previously  reported  revenues  were

and employee retention and thereby enhances profitability.

$349.3  million  before  the  adoption  of FIN  No. 46. After

Mississippi  Lignite  Mining  Company. With  this  new

the  adoption  of FIN  No. 46, restated  2002  revenues  were

mine and its customer’s power plant now fully operational,

$86.2  million. Revenues  in  2003  were  $94.1  million. North

North  American  Coal  is  aggressively  focused  on  achieving

American Coal  generated  $11.3  million  of cash  flow  before

planned profitability through the application of its extensive

financing activities in 2003 and $29.4 million in 2002.

mining  expertise. While  mining  of deeper  coal  seams  will

increase  mining  costs  in  the  near  term, lower  costs  are

Vision, Strategy and Core Competencies

expected  by  2006, with  more  profitable  mining  beginning 

North American Coal’s vision is to be the leading low-cost

in 2007.

miner of lignite coal used in power generation and coal gasifi-

San Miguel Lignite Mining Operations. Over the past

cation  plants  and  to  provide  selected  value-added  mining

several years, North American Coal has mined more lignite coal

services for other natural resources companies.

at this mine than originally anticipated. While higher volume

North American  Coal’s  strategy  is  to  leverage  low-cost

would  normally  be  desirable, this  increased  production  has

mining expertise at existing mines while pursuing new mining

led  to  higher  mining  costs, increased  equipment  needs  and

opportunities.

higher  equipment  maintenance  costs. These  cost  increases,

Core  competencies  supporting  this  strategy  include

which  are  generally  not  covered  by  contractual  coal  price

operating  mines  in  a  safe, low-cost  and  environmentally

increases, resulted  in  a  significant  loss  at  this  operation  for

responsible manner through disciplined, efficient and respon-

2003. North  American  Coal  is  currently  renegotiating  the

sible  processes; fostering  successful, long-term  partnerships

mining contract with the mine’s customer to take into account

with  power  generating  customers; and  analyzing  regional

a revised mine plan. The current proposal for these contract

opportunities, understanding new coal-based power generating

revisions, if implemented, is expected to reduce near-term

technologies  and  identifying  potential  partners  for  future

losses  in  2004  and  2005, lead  to  profitability  in  2006  and

development.

2007, and enhance the long-term working relationship with

the customer.

Key Programs to Enhance Profitability

Innovative mining methods. North American Coal con-

Employee  safety. Employee  safety  is  the  number  one 

tinues to be a leader in developing innovative mining methods,

priority at North American Coal. Each of the mines emphasizes

which  have  improved  mining  efficiency  and  coal  recovery,

safety as part of its daily routine and annually conducts extensive

reduced costs, enhanced safety and lessened the environmental

safety training courses. Red River Mining Company has not had

impact of mining. These methods, also described in last year’s

a lost-time accident since it was opened in 1989. In addition,

Annual Report, include:

five of the company’s seven operations worked the entire 2003

Income Before Taxes 

Lignite Coal Tons Delivered

(In millions)

$34.6

$22.2

$12.5

$21.8

$18.3

$40

$30

$20

$10

$0

40

30

20

10

0

(In millions)

31.3

31.6

31.4

34.2

35.5

1999

2000

2001

2002

2003

1999

2000

2001

2002

2003

(including project mines)

resurfacers, to  extract  thinner  seams  of coal, thereby

that niche growth opportunities to provide high value-added

improving coal recovery and reducing costs.

services for other natural resource mining applications, such

• Designing a unique slurry wall dewatering system at Red

as  limerock  dragline  services, will  continue  to  emerge. The

River Mining Company in Louisiana. This system, derived

contract  with White  Rock  Quarries  (“WRQ”), under  which

from  drainage  systems  used  to  keep  basements  dry  in

North American  Coal  provides  dragline  mining  services  to

wet areas, enables workers to mine lignite coal safely and

WRQ at its limerock mining operation in South Florida, was

efficiently in a flood plain.

automatically  extended  at  the  end  of December  2003  for  a

• Developing  specialized  non-stick  linings  applied  to  the

term that ends in 2010. Discussions are currently ongoing with

inside of truck beds and buckets on earth-moving equip-

WRQ about further expansion of its limerock requirements.

ment to improve efficiencies and lower costs.

The  company  is  optimistic  these  discussions  will  lead  to  a

• Using  special  proprietary  software  to  track  equipment

revised contract in 2004.

utilization and optimize service intervals for lower overall

North  American  Coal  also  began  providing  dragline

maintenance costs.

mining services to the Krome Avenue Quarry owned by Rinker

Environmental  commitment. North American  Coal  is

Materials of Florida, Inc. (“Rinker”) in the fourth quarter of

committed to protecting the environment by restoring mined

2003. The  company  expects  to  deliver  approximately  4.0

land to its original or improved condition. North American

million cubic yards of limerock per year based on the mining

Coal utilizes the latest geological and technological approaches

services  agreement, which  has  a  seven-year  term  ending  in

to mining as well as to reclaiming mined land. For instance, the

2010 and includes three one-year extensions. In January 2004,

Company  pioneered  the  use  of Global  Positioning  Systems

North American Coal and Rinker signed a new agreement for

(GPS)  on  mining  equipment  to  reduce  the  amount  of dirt

the company to provide dragline mining services to Rinker’s

moved, improve efficiencies, lower costs, reduce the environ-

Alico Road Quarry near Ft. Myers, Florida beginning in the

mental impact of mining and improve the precision of land

second quarter of 2004. The company expects to deliver an

reclamation activities.

Key Programs to Generate Growth

additional 3.0  million  cubic  yards  of limerock  annually

through 2011 based on this mining services agreement.

Long-term positioning. North American Coal believes

Reserve development strategies. North American Coal

that, in  the  long  term, development  of additional  coal

owns what it believes is the most extensive bank of geological

reserves in the United States will depend greatly upon the

data on lignite coal reserves in the country, consisting of data on

adoption of new power plant technologies that substantially

its own company-owned lignite coal reserves as well as lignite

lower emissions. One of the most promising new technologies

coal  reserves  owned  or  controlled  by  others. This  wealth  of

involves  gasifying  coal  to  produce  synthetic  natural  gas

data provides a strategic advantage to North American Coal as

(syngas)  for  power  generation. Lignite  coal  is  among  the

it  works  to  identify, prioritize  and  pursue  opportunities  to

best types of coal to be used for gasification. This process can

develop its own reserves or other new mining opportunities.

reduce  overall  emissions, allow  the  complete  capture  of

The foundation for new mining projects is the ongoing,

mercury and carbon dioxide, and create an opportunity to

in-depth analysis of power generation supply and demand in

produce  marketable  by-products  such  as  synthetic  diesel

each of the regions where North American Coal has reserves.

fuel. This coal gasification process can also extract hydrogen,

In  areas  where  future  power  generation  demand  outpaces

which could eventually be used in fuel cells for emission-free

supply, there is potential for the development of new power

power generation or for vehicles. The company continues to

plants, which  could  utilize  lignite  coal  mined  by  North

invest significant effort in understanding and promoting these

American Coal. Based on the results of these analyses, North

new technologies and is a member of a national coalition of

American Coal adjusts both its ownership plans for its own

power and mining companies, called FutureGen, organized to

lignite  coal  reserves  as  well  as  the  direction  of its  efforts  to

help bring to fruition President Bush’s vision of the coal-fired

develop new mining opportunities.

-26-

-27-

power plant of the future. Concurrently, North American Coal

The company has programs with the objective of sig-

has developed its own vision for a clean, economical and flex-

nificant  improvements  in  return  on  capital  employed  by

ible  power  plant, called  FlexGen, which  would  allow  power

2006-2007:

companies to generate power  from  natural  gas, coal-based

• While mine development at Mississippi Lignite Mining

synthetic gas or fuel cells, to produce a variety of by-products,

Company  is  now  complete, higher  levels  of operating

including hydrogen, and to significantly reduce, or even elim-

costs, including depreciation of higher mine development

inate, many harmful emissions. The company’s hope is that

costs attributable to the customer’s power plant startup

adoption of these new technologies will create new opportu-

delay  and  other  depreciation  and  amortization, must

nities for lignite coal mining in the long term.

now be expensed. Mississippi Lignite Mining Company,

Corporate Initiatives

like many mining operations, will have lower returns on

capital employed early in the project’s life. Also, reaching

Central to North American Coal’s successes are its efforts

long-term  potential  operating  efficiency  following

to minimize exposure to the market price of coal. This goal is

start-up will continue to take time, since some higher-

accomplished through carefully structured long-term mining

cost  mining  due  to  deeper  coal  seams  is  still  required

agreements, which  essentially  establish  the  specific  mining

until 2006. More profitable mining is expected beginning

services that North American Coal will perform for its customers

in 2007.

and  the  mechanisms  by  which  it  will  be  compensated  for

• Cost  pressures  will  continue  at  San  Miguel  Lignite

performing those activities. Because North American Coal is

Mining Operations, although contract provisions under

selling  its  services  in  addition  to  its  coal, these  agreements

negotiation, if successful, should  improve  the  mine’s

include various cost escalation procedures and often include

operating  results, with  the  greatest  benefit  occurring  in

performance  incentives. Through  these  mining  agreements,

2006 and 2007.

North American Coal and its customers share a common goal

• The customer at Red River Mining Company is expected

of minimizing costs. By eliminating speculation on the future

to continue, at least in the immediate future, to elect to

price of coal, this approach allows the company to consistently

take only the contractual minimum number of tons. The

earn  sound  margins  for  its  services  and  earn, on  a  regular

company’s  objective  is  to  increase  deliveries  over  the

basis, returns on capital employed substantially in excess of the

longer term, which would add significantly to profitability.

company’s cost of capital.

With implementation of these programs, the company

The objective of North American Coal’s overall strategy is

anticipates improvement in returns on capital employed as

the profitable operation of all current mines coupled with the

well as increased cash flow before financing activities.

development of new mines that utilize the company’s lignite

Finally, on a personal note, I would like to express my

coal reserves or its mining expertise.

gratitude  to  all  North American  Coal  employees  for  their

hard work and dedication in making 2003 another safe and

Outlook for 2004 and Beyond

successful year for the company.

North American Coal’s financial objectives are to earn a

minimum return on capital employed of 13 percent and to

deliver  substantial  cash  flow  before  financing  activities. In

light  of the  company’s  deconsolidation  of its  project  mines

pursuant to FIN No. 46 in 2003, the company has moved from

a financial goal based on operating profit to a financial goal

based on return on capital employed.

Clifford R. Miercort
President and Chief Executive Officer 
The North American Coal Corporation

Left: The  Mississippi  Lignite  Mining  Company  uses  a  variety  of  heavy-duty  equipment  to  mine  lignite  coal,  including  a  Marion® 8200
dragline, Huron® 1224 Easi-Miner and Caterpillar® 785 haul trucks.

-29-

Supplemental Data

Officers & Directors

RECONCILIATION OF FINANCIAL TARGETS TO NET INCOME:

Minimum Operating Profit Target, Minimum Return on Capital Employed Target and Interest Expense as of December 31, 2003

Subsidiaries with Minimum Operating Profit Targets

(U.S. dollars in millions, except per share amounts)
Housewares

NMHG

Total

2003 Revenues, as reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
x Operating profit target percentage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
= Operating profit at target . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

$

$

1,779.6 
9%
160.2 

Less: 2003 Operating profit, as reported for NMHG and Housewares . . . . . . . . . . . . . . . . . . . . . . 
Difference between 2003 operating profit, as reported, and operating profit target. . . . . . . . . . . 
Less: Income tax expense at 38%** . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Net income difference between reported operating profit and operating profit target 

$

(48.8)
111.4 
(42.3)

for NMHG and Housewares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

$

69.1

Subsidiaries with Minimum Return on Capital Employed Targets

2003 Average Equity  (12/31/2002 and at each of 2003's quarter ends) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
2003 Average Debt (12/31/2002 and at each of 2003's quarter ends). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Total 2003 average capital employed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Return on capital employed target percentage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Return on capital employed target = target net income before interest expense, net-of-tax . . . . . . . . . . . . . . . . . . 

2003 Net income, as reported. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Plus: 2003 Interest expense, as reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Less: Income taxes on 2003 interest expense at 38%** . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Actual return on capital employed = actual net income before interest expense, net-of-tax . . . . . . . . . . . . . . . . . . 

Return on capital employed target = target net income before interest expense, net-of-tax . . . . . . . . . . . . . . . . . . 
Actual return on capital employed = actual net income before interest expense, net-of-tax . . . . . . . . . . . . . . . . . . 
Return on capital employed difference between actual and target . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

Return on capital employed target = target net income before interest expense, net-of-tax . . . . . . . . . . . . . . . . . . 
Less: 2003 Interest expense, as reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Plus: Income taxes on 2003 interest expense at 38%** . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Target net income at target return on capital employed. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

Less: 2003 Net income, as reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Net income difference between reported net income and target net income at target return on 

$

$

$

$

$

$

$

$

$

$

$

$

$

598.7 
*
9.2%
55.1 

(42.0)
13.1 
(5.0)

8.1 

$

$

$

$

2,378.3 
N/A
215.3 

(90.8)
124.5 
(47.3)

77.2 

NACoal

65.5 
131.1 
196.6 
13%
25.6 

14.3 
9.1 
(3.5)
19.9 

25.6 
(19.9)
5.7 

25.6 
(9.1)
3.5 
20.0 

(14.3)

capital employed . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

$

5.7 

5.7 

Total of net income differences from subsidiaries with minimum operating profit targets and minimum return on capital 

employed targets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

Earnings per share impact at 8.204 million average shares outstanding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

$

$

82.9 

10.10 

Return on capital employed is provided solely as a supplemental disclosure with respect to income generation because management
believes it provides useful information with respect to earnings in a form that is comparable to the Company's cost of capital employed,
which includes both equity and debt securities.

Interest Expense

2003 Interest expense, as reported . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
Less:  Income tax expense at 38%**. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 
2003 Interest expense, net-of-tax. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

Earnings per share impact at 8.204 million average shares outstanding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 

$

$

$

51.0 
(19.4)
31.6 

3.85

* The weighted average minimum operating profit target for the Housewares segment is 9.2% (HB/PS at 10% and Kitchen Collection at 5%).
** Tax rate of 38% represents the Company's marginal tax rate as compared to 2003's effective tax rate of 24.3%.

Officers and Directors of NACCO
Industries, Inc.
Officers:

Alfred M. Rankin, Jr.
Chairman, President
and Chief Executive Officer
Charles A. Bittenbender
Vice President, General Counsel and Secretary
J.C. Butler, Jr.
Vice President-Corporate Development
and Treasurer
Lauren E. Miller
Vice President-Consulting Services
Kenneth C. Schilling
Vice President and Controller
Dean E. Tsipis
Assistant General Counsel
and Assistant Secretary

Directors:

Owsley Brown II
Chairman and Chief Executive Officer,
Brown-Forman Corporation
Robert M. Gates
President, Texas A&M University
Former Director of Central Intelligence
Leon J. Hendrix, Jr.
Chairman, Remington Arms Company, Inc.
David H. Hoag
Retired Chairman and Chief Executive Officer,
The LTV Corporation
Dennis W. LaBarre
Partner, Jones Day
Richard de J. Osborne
Retired Chairman and Chief Executive Officer,
ASARCO Incorporated
Alfred M. Rankin, Jr.
Chairman, President and Chief Executive
Officer, NACCO Industries, Inc.
Ian M. Ross
President Emeritus, AT&T Bell Laboratories
Michael E. Shannon
President, MEShannon & Associates, Inc.
Retired Chairman, Chief Financial and
Administrative Officer, Ecolab, Inc.
Britton T. Taplin
Principal, Western Skies Group, Inc.
David F. Taplin
Self employed (tree farming)
John F. Turben
Chairman of the Board
Kirtland Capital Corporation

Director Emeritus
Thomas E. Taplin

Officers of Subsidiaries

Americas:

Officers of The North American 
Coal Corporation
Clifford R. Miercort
President and Chief Executive Officer
Charles B. Friley
Senior Vice President and
Chief Financial Officer
Robert L. Benson
Vice President-Eastern & Southern Operations
Thomas A. Koza
Vice President-Law and Administration,
and Secretary
Clark A. Moseley
Vice President-Business Development
and Engineering
Bob D. Carlton
Controller and Director of Tax
K. Donald Grischow
Treasurer

Officers of NACCO Materials Handling
Group, Inc.
Corporate:

Reginald R. Eklund
President and Chief Executive Officer
Frank G. Muller
Executive Vice President,
Chief Operating Officer
Michael Brogan
Senior Vice President, Product Development
and Procurement
Gregory J. Dawe
Vice President, Manufacturing
and Quality Strategy
James P. Gorzalski
Vice President, Procurement and Supply
Ron J. Leptich
Vice President, Engineering and Big Trucks
Geoffrey D. Lewis
Vice President, Corporate Development,
General Counsel and Secretary
James M. Phillips
Vice President, Human Resources
Victoria L. Rickey
Vice President, Chief Strategy Officer
Michael K. Smith
Vice President, Finance and Information
Systems, and Chief Financial Officer
Gopi Somayajula
Vice President, Counterbalanced Engineering
Daniel P. Gerrone
Controller
Jeffrey C. Mattern
Treasurer

Colin Wilson
Vice President, President, Americas
David Clarke
Vice President, Marketing, Americas
Raymond C. Ulmer
Vice President, Finance and Information
Systems, Americas
Donald L. Chance, Jr.
Vice President, President, Yale Materials
Handling Corporation
David O’Dell
Vice President, President, Hyster Company

Europe:

Richard H. Close
Vice President, Managing Director, Europe,
Africa and Middle East
Stephen R. West
Vice President, Finance and Information
Systems, Europe, Africa and Middle East

Asia-Pacific:

Donna M. Baxter
Vice President, Managing Director, Asia-Pacific
Yoshinori Ohno
Managing Director, Sumitomo NACCO
Materials Handling Co., Ltd.

Officers of Hamilton Beach(cid:2)Proctor-
Silex, Inc.

Dr. Michael J. Morecroft
President and Chief Executive Officer
Charles B. Hoyt
Senior Vice President-Finance and Chief
Financial Officer
Paul C. Smith 
Senior Vice President-Sales
Keith B. Burns
Vice President-Engineering and Product
Development
Kathleen L. Diller
Vice President, General Counsel and Secretary
Gregory E. Salyers
Vice President-Operations
W. Lance Servais
Vice President/General Manager-Global
Commercial Products
James H. Taylor
Vice President and Treasurer
Gregory H. Trepp
Vice President-Marketing

Officers of The Kitchen Collection, Inc.

Randolph J. Gawelek
President and Chief Executive Officer
Darlene Denman-Jones
Senior Vice President-General Merchandise
Manager

-30-

-31-

Annual Meeting

Investor Relations Contact

The Annual Meeting of Stockholders of NACCO
Industries, Inc. will be held on May 12, 2004, at 9 a.m.
at the corporate office located at:
5875 Landerbrook Drive 
Mayfield Heights, Ohio.

Form 10-K

Additional copies of the Company’s Form 10-K filed with
the Securities and Exchange Commission are available
through NACCO’s Web site (www.nacco.com) or by
request to Investor Relations, NACCO Industries, Inc.,
5875 Landerbrook Drive, Mayfield Heights, Ohio 44124.

Stock Transfer Agent and Registrar

National City Bank
Corporate Trust Operations
P.O. Box 92301, Dept. 5352
Cleveland, Ohio 44193-0900
1-800-622-6757

Legal Counsel

Jones Day
North Point
901 Lakeside Avenue
Cleveland, Ohio 44114

Independent Auditors

Ernst & Young LLP
1300 Huntington Building
925 Euclid Avenue
Cleveland, Ohio 44115

Investor questions may be addressed to:
Christina Kmetko, Manager-Finance
NACCO Industries, Inc.
5875 Landerbrook Drive
Mayfield Heights, Ohio 44124
(440) 449-9669
E-mail: ir@naccoind.com

Stock Exchange Listing

The New York Stock Exchange
Symbol: NC

Web Sites

The Web sites of NACCO Industries and several Company
subsidiaries and product brands can be found at the 
following locations:

NACCO Industries:
www.nacco.com

North American Coal:
www.nacoal.com

NACCO Materials Handling Group:
www.nmhg.com

Hyster North America:
www.hyster.com

Hyster Europe:
www.hyster.co.uk

Hyster Asia-Pacific:
www.hyster.com.au

Yale North America:
www.yale.com

Yale Europe:
www.yale-europe.com

Yale Asia-Pacific:
www.yale.com.au
Hamilton Beach(cid:4)Proctor-Silex:
www.hamiltonbeach.com
www.proctorsilex.com
www.trueair.com
http://commercial.hamiltonbeach.com

Kitchen Collection:
www.kitchencollection.com

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Annual Report
2003

NACCO

I N D U S T R I E S ,

I N C .

Managing for long-term profit growth

NACCO Industries, Inc.
5875 Landerbrook Drive • Mayfield Heights, Ohio 44124
An Equal Opportunity Employer

Printed in U.S.A.