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Northwest Natural Company

nwn · NYSE Utilities
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Employees 1001-5000
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FY2014 Annual Report · Northwest Natural Company
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lead. Innovate. grow.

 
 
 
 
 
 
 
 
corporate profile

nW natural (nYse: nWn) is a 

156-year-old natural gas local dis-

tribution company headquartered in 

portland, oregon. nW natural serves 

more than 700,000 utility customers in 

oregon and southwest Washington 

FINANCIAL OVERVIEW 

earnings

financial facts ($000):

operating revenues 

Utility margin 

net income 

and provides gas storage to customers 

financial ratios (%): 

on the West coast. in keeping with its 

return on average common equity 

steady growth strategy, the company 

has increased dividends paid to share-

holders for 59 consecutive years.

capital structure at year-end: 

  long-term debt 

  common stock equity 

2014 

2013 

percent
increase
(decrease )

 754,037 

 366,088 

 58,692 

 758,518 

  353,884 

  60,538 

7.7 

44.8 

55.2 

8.2 

47.6 

52.4 

service territory
and storage facilities
WASHINGTON

ASTORIA

MIST STORAGE

VANCOUVER

GASCO LNG

WASHINGTON

LINCOLN CITY

PORTLAND

THE DALLES

TRAINING 
CENTER

ASTORIA

MIST STORAGE

SALEM

ALBANY

NEWPORT LNG

VANCOUVER

GASCO LNG

PORTLAND

THE DALLES

EUGENE

OREGON
LINCOLN CITY

TRAINING 
CENTER

COOS BAY

NEWPORT LNG

SALEM

ALBANY

COOS BAY

EUGENE

OREGON

KEY

NW NATURAL SERVICE TERRITORY
TRAINING CENTER
REGIONAL RESOURCE CENTER
LNG PLANT
UNDERGROUND STORAGE

HEADQUARTERS

common stock 
shareholder data (000): 

average shares outstanding – diluted 

Year-end shares outstanding 

 27,223 

 27,284 

 27,027    

 27,075 

per share data ($): 

diluted earnings 

dividends paid 

Book value at year-end 

Market value at year-end 

operating highlights

 2.16 

1.85 

28.12 

49.90 

2.24 

1.83 

27.77 

42.82 

gas sales and transportation deliveries (000 therms) 

 1,092,990 

 1,146,431 

degree days 

customers at year-end 

employees at year-end 

 3,792 

 704,644 

1,084 

4,379 

 694,873   

1,081 

dividends paid on common stock (per share)
paYMent date

february 15 

May 15    

august 15 

november 15 

$ 0.460  

 $ 0.455  

0.460  

0.460  

0.465 

 0.455 

 0.455  

0.460 

total dividends paid 

$ 1.845 

$ 1.825 

(1 )

3 

(3 ) 

(6 )

(6 ) 

5 

 1

1

(4 ) 

1

1 

17 

(5 )

(13 )

 1

- 

NEVADA

diluted earnings per share
(in dollars)

dividends paid per share
(in dollars)

$2.00

$1.90

$1.80

$1.70

$1.60

$1.50

$1.40

NEVADA

2010

2011

2012

2013

2014

diluted earnings per share were $2.16 in 2014.

SAN FRANCISCO

GILL RANCH
STORAGE

FRESNO

CALIFORNIA

$3.00

$2.50

$2.00

$1.50

$1.00

$0.50

$0.00

SAN FRANCISCO

LOS ANGELES

GILL RANCH
STORAGE

FRESNO

CALIFORNIA

2010

2011

2012

2013

2014

Annual dividends paid per share in 2014 
increased for the 59th consecutive year. 
The current indicated annual dividend is 
$1.86 per share.

LOS ANGELES

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Kruse Village in Lake Oswego, Oregon  
shown behind NW Natural President and  
CEO Gregg Kantor, is an example of new  
commercial development spurred by the  
Northwest’s rebounding economy.

letter to shareholders

3

For NW Natural, 2014 was a year of 
both opportunity and challenge, a year 
marked by important milestones and 
continued innovation.  

In the midst of these varying forces, NW Natural de-

livered earnings of $2.16 per share, while providing a 

total shareholder return of approximately 22 percent.

In 2014, our utility delivered on its most fundamental 

mission: we operated safely, reliably and with great 

customer service. We continued to grow, adding our 

700,000th customer. And we continued to innovate, 

advancing initiatives that hold great promise for the 

company’s future, such as the potential expansion of 

our Mist gas storage facility and the development of a 

new Carbon Solutions Program.

But the company also faced challenges. Weak storage 

values hurt the financial performance of our Gill ranch 

storage business in California. Higher natural gas prices  

increased our utility’s cost of gas – producing a loss from 

our regulatory incentive sharing mechanism. And a recent  

2014 highlights

•  reported net income of $59 million or $2.16 per share,  

compared to $61 million or $2.24 per share in 2013.

•  earned the highest customer satisfaction score among  

large utilities in the West in the 2014 J.D. Power Gas Utility 

residential Customer Satisfaction Study.

•  Increased our investment in gas reserves, bringing the total 

amount invested since 2011 to $188 million.

•  received insurance settlements totaling $103 million in 2014, 

which brought cumulative recoveries for environmental costs 

to approximately $150 million.

•  Increased our annual customer growth rate to 1.4 percent, 

adding our 700,000th customer.

•  leveraged our new online customer portal, converting to 

natural gas 25 percent of those consumers that inquired 

decision by the Public Utility Commission of oregon 

about gas availability through the online tool. 

(oPUC) required a write-down of $15 million in 2015 

for the disallowance of environmental cost deferrals. 

While this write-down was disappointing, going forward 

the company now has approval to fully recover in rates 

prudently incurred environmental costs through our 

Site remediation and recovery Mechanism.

•  launched enhancements to the portal, providing new self-

service features for builders and contractors, and automating 

new construction and conversion work orders.

•  Increased common dividends paid for the 59th consecutive 

year, one of the longest dividend increase records of any  

company on the NYSe.

4

letter to shareholders

With the environmental deci-

sion behind us and our core 

utility business on solid footing, 

we look ahead with optimism 

and a laser focus on advanc-

ing our growth initiatives and 

operational priorities.

Operations milestones

We started the year proving 

our system’s reliability. We 

set a new gas sendout record 

when an east wind made 

a bitter cold day feel even 

colder. on Feb. 6, 2014,  

the company delivered  

more than 9 million therms  

to customers in 24 hours. 

that’s almost double the  

bare steel and cast iron replacement

L
E
E
T
S
E
R
A
B
F
O
S
E
L
M

I

1,250

1,000

750

500

250

0

1986

1991

1996

2001

2006

2014

BARE STEEL

CAST IRON

250

200

150

100

50

0

N
O
R

I

T
S
A
C
F
O
S
E
L
M

I

reinforcement project near  

Monmouth, oregon. the 

project included a six-

mile, coated steel pipeline 

that replaced old bare 

steel pipe. We expect to 

replace the remaining bare 

steel in our system during 

2015, ensuring we have 

one of the most modern 

pipeline systems  

in the nation.

But our dedication to 

safety doesn’t stop 

with distribution system 

The company has less than three miles of bare steel main left in our system. All cast 
iron pipe has been removed. The company’s System Integrity Program has been 
key to helping us modernize our pipeline system.

improvements. last year, 

we applied a remarkable 

normal sendout for a typical winter day. our  

pipeline system and gas storage facilities were 

fully prepared to meet the substantial increase  

in demand.

We credit our ability to serve customers reliably 

and safely, as we did during the February cold 

technology tool, Visual 

Fusion,® to emergency response. By integrating a variety of data into one 

easy-to-view interface, our resource Management team receives a full picture 

of emergency situations – instantly. Staff can quickly determine critical factors 

such as the closest available emergency resource and estimated drive time. 

As a result, our first responders can reach the scene faster and be more 

prepared for the situation when they arrive.

snap, to careful planning and implementation of 

As part of our ongoing efforts to improve facilities and reduce our buildings’ 

system improvements. As an example, we recently 

environmental footprint, we completed the remodel of our Salem resource 

invested in a 2.2 mile, high-pressure pipeline  

center. this facility contains a satellite call center, as well as field operations 

extension in Vancouver, Washington, and this  

and technical support services for the Mid-Willamette Valley.

addition is helping us meet demand in the fastest-

growing county in our service territory. 

the remodel touched nearly every inch of the 1966 building. Major improve-

ments ranged from more energy-efficient natural lighting and a high-efficiency 

Another example of our commitment to improving 

heating and cooling system to seismic upgrades and more effective use of 

reliability and service was in the Willamette Valley, 

space. the site will also serve a dual purpose as the backup business  

where we completed the second phase of a major 

continuity site for the company’s primary call center in Portland.

Sophisticated mapping and communication technology help employees across the company plan, mobilize and respond to meet the needs 
of our customers.

 
 
 
 
 
 
letter to shareholders

5

And at our new Sherwood facility, located about 15 miles from NW Natural’s 

With these new features, we have the capability to 

Portland headquarters, we are now equipped for backup emergency man-

automate roughly 85 percent of our work orders. 

agement operations covering gas control, resource planning, dispatch and 

Most importantly, our trade partners see the portal 

incident command center functions.

our outstanding record of reliability, service and innovation has made a positive 

impression on our customers. For the fifth time in eight years, we ranked first 

in the West in the annual J.D. Power Gas Utility residential Customer Satisfac-

tion Study. this also marks the seventh time in eight years that NW Natural was 

among the two highest-scoring gas utilities in the nation.

New tools for a recovering market

the Northwest’s economy made positive gains in 2014, with oregon’s employ-

ment rebounding to pre-recession levels and unemployment rates continuing 

to fall. the housing sector was on an upward trend as well, with Portland home 

sales up nearly 4 percent and the average sale price up 7 percent compared 

to 2013. Clark County, Washington, home sales increased 8 percent, with the 

average sale price increasing 10 percent. these improvements helped drive an 

increase in our customer growth rate to 1.4 percent last year. 

With our customers paying less for natural gas today than they did 10 years 

ago and a substantial price advantage over electricity and oil – the company is 

as key to helping them manage projects more  

efficiently and close sales faster.

“The online tool is great.  

I have used it several times with 

success. Once I was able to 

order a new service on a Friday 

evening while sitting at a  

customer’s dining room table.”

- Andrew Scheidt,  
Central Air, Heating & Air Conditioning, Inc.

well positioned competitively.

the regulatory arena

to take full advantage of the preference for natural gas in the housing market, 

we leveraged our new Customer Connections Portal. this industry-leading 

online tool allows prospective customers to learn if gas is available in their area, 

run cost comparisons, evaluate equipment offers and sign up for a contractor 

visit – all from any convenient location with a computer or mobile device. 

Since its release, more than 12,000 prospective customers have used the portal 

to inquire about gas service, providing us with important website analytics that 

we are using in our marketing efforts. 

In August of 2014, we launched the portal’s second phase, designed specifically  

for contractors and home builders. Using a secure site, our trade allies can sign  

up for gas service by job type, manage multiple projects with us and check the 

status of their orders throughout a job’s life cycle. 

utility customers at year-end

720,000

700,000

680,000

660,000

640,000

620,000

600,000

580,000

560,000

540,000

2010

2011

2012

2013

2014

INDUSTRIAL

COMMERCIAL

RESIDENTIAL

last year a major regulatory milestone was submis-

sion of an Integrated resource Plan (IrP) to oregon 

and Washington regulators. the document encom-

passes a wide array of issues associated with our 

ability to meet customer needs, key among them 

were the following findings: 

•  Fast-growing Clark County, Washington will 

require several gas infrastructure investments  

to serve new homes and businesses. 

•  the company will need to invest up to  

$25 million to modernize the Newport liquefied 

Natural Gas (lNG) plant, originally built in 1977. 

•  the regional supply scenario holds some  

uncertainties as regulators and investors consider 

a variety of proposals including new pipelines, 

export facilities and large industrial expansions. 

Given what we know today, the least-cost  

option for NW Natural’s customers is a new 

pipeline from Madras to Molalla – if no lNG  

export terminal is built in oregon. 

on February 24, 2015, we received acknowledg-

ment of the IrP from the oregon commission, and 

we expect to receive notification from the Washington 

commission by this summer.

In 2014, we also amended our 2011 agreement 

with encana to develop gas reserves that provide 

price stability for a portion of the gas we serve to 

We added 9,771 new customers in 2014, ending the year with 704,644 customers.

oregon utility customers. the amendment was in  

6

letter to shareholders

response to encana’s sale of its Jonah Field  

interests to Jonah energy, llC. While it ended  

the original drilling program, it also increased our 

working interests in the Jonah Field, and going 

forward, allows us to further invest in the field  

on a well-by-well basis. 

Under this new arrangement, we participated in  

the drilling of seven wells in 2014, and we have 

filed with the oPUC to recover those costs as part 

of our oregon utility hedge portfolio.  

last year, we continued to work through the three 

remaining dockets from our 2012 oregon rate case. 

on February 20, 2015, the oregon commission 

issued its decision on one of those dockets – how 

our Site remediation and recovery Mechanism 

(SrrM) will be implemented. 

oregon & washington residential rates
(in dollars per therm)

$1.60

$1.40

$1.20

$1.00

$0.80

$0.60

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

OREGON RESIDENTIAL RATES

WASHINGTON RESIDENTIAL RATES

Today’s residential rates are lower than they were 10 years ago.

the application of an earnings test and other factors. this disallowance was 

As part of NW Natural’s last rate case, the  

equivalent to a $9.1 million after-tax loss that will be recognized as a charge  

oPUC approved the SrrM, which allows recovery 

to net income in the first quarter of 2015. 

of costs the company has prudently incurred and 

will continue to incur for environmental remedia-

tion at sites historically used to manufacture gas  

the oPUC order also specified that insurance settlements, which resulted in 

the collection of approximately $150 million, were entered into prudently. 

for customers. the oPUC ordered a separate 

Going forward, the order allows $10 million to be applied to environmental 

docket to determine the prudence of deferred 

expenditures each year, with $5 million collected in rates and $5 million from 

environmental costs, the allocation of insurance 

insurance proceeds. In a year where environmental costs are less than $10 

proceeds and how an earnings test would be  

million, the balance remaining for that year will roll forward to offset the next 

applied to recover past and future deferred  

year’s costs. In a year where environmental costs exceed $10 million and the 

costs from utility customers.

company earns above its allowed return on equity, an earnings test will be ap-

In its final order, the oPUC found that all but 

plied and the company will contribute to offset that year’s environmental costs. 

$33,400 of the $114 million of environmental re-

While we were disappointed by the write-down, we view our ability to fully  

mediation expenses and associated carrying costs 

recover future environmental clean-up costs as the key issue in a very complex 

incurred by NW Natural through March 2014 were 

docket. We are pleased the environmental spend and insurance settlements 

prudently incurred. However, the oPUC disallowed 

were approved, and overall, we believe this order provides us with a reason-

recovery of expenses totaling $15 million due to 

able path forward.    

In 2014, NW Natural upgraded Miller Station, the 24/7 operations center for the Mist Underground Storage Field.

letter to shareholders

7

We have two remaining issues carried over from our 2012 rate case. As part 

conversion program that would encourage resi-

of our interstate storage sharing docket, the oPUC recently directed the par-

dents to convert from inefficient oil furnaces to 

ties engaged in the proceeding to select a third-party to conduct an evaluation 

efficient natural gas units; and a solicitation to large 

and cost allocation study this year. Also in 2015, the commission is expected 

commercial and industrial customers to propose 

to rule on the pension cost recovery docket that involves all oregon utilities.  

combined heat and power or distributed generation 

storage operations

last year, operations at our underground storage facility near Mist, oregon 

performed well, providing critical support for our utility customers as well as 

profitably serving storage customers across the Pacific Northwest. 

In 2014, we received approval from a local electric company, Portland General  

electric (PGe), to move forward with the permitting and land acquisition work 

required for a potential expansion project at Mist. the project would be designed 

to provide no-notice underground gas storage services to PGe’s natural gas-fired 

generating plants at Port Westward, oregon. 

projects that use natural gas to increase energy 

efficiency.

With implementation rules approved by the oPUC 

in December, our plan for 2015 is to refine concepts 

and file a number of projects for consideration. 

the Carbon Solutions Program offers an excellent 

opportunity to demonstrate our spirit of innovation, 

and showcase the important role natural gas can play 

in helping our region meet its environmental goals 

while adding to the company’s bottom line. 

the potential North Mist expansion Project would include a new reservoir  

providing up to 2.5 billion cubic feet of available storage, an additional com-

looking ahead

pressor station with design capacity of 120,000 dekatherms of gas per day 

over the years, we’ve developed a reputation 

and a 13-mile pipeline to connect to PGe’s gas plants at Port Westward. 

among our peers for introducing successful new 

In 2015, NW Natural will be working to obtain the required permits and certain 

property rights. Assuming successful completion of those necessary elements, 

the current estimated cost of the expansion is approximately $125 million, with 

a potential in-service date in the 2018/2019 winter season, depending on the 

permitting process and construction schedule.

Mist’s unique location and relative competitive position in the Northwest has 

helped shield it from low storage values found in other geographic areas. that 

has not been the case for our Gill ranch storage facility in California where 

low, stable gas prices have continued to affect storage values. 

ideas – from decoupling our rates to investing in 

physical gas reserves. In 2014, we demonstrated 

once again that we can continue to bring innova-

tion to the business of natural gas distribution. 

In 2015, we intend to further our 156-year legacy 

of operating a safe, reliable natural gas system and 

providing exceptional customer service. We will 

stay focused on those fundamentals, but also strive 

for innovation in business development, regulation 

and technology. Bringing these attributes together, 

In the last year, however, Gill ranch has added several high-value customers, 

we are confident in the value that our company 

and we continue to seek new avenues for leveraging this asset. As the West 

and product can bring to the region’s economy and 

Coast increases renewable power generation that requires more natural gas 

environmental goals, as well as to our customers 

backup, we believe storage values will rebound. 

and shareholders.

reducing greenhouse gases, adding opportunities

As a result of Senate Bill 844 passed by the oregon legislature, the oPUC 

can now incent gas utilities financially to undertake projects that will reduce 

greenhouse gas emissions. We see this legislation as opening new paths 

to serve customers and communities while encouraging positive action on 

climate change issues.

As always, we are grateful for your continued 

support. NW Natural’s officers, managers and 

employees look forward to working on your behalf 

in the year ahead. 

our Carbon Solutions Program team has been assessing a number of pos-

sible projects spanning several areas. examples of potential projects involve 

reducing methane emissions during pipeline maintenance and repair; an oil  

Gregg S. Kantor

President and Ceo

8 CorPorAte officers

Front
margaret d. kirkpatrick
Senior Vice President and 
General Counsel

lea anne doolittle
Senior Vice President and 
Chief Administrative officer

david h. anderson
executive Vice President 
and Chief operating officer

gregg s. kantor
President and Chief 
executive officer

stephen p. feltz
Senior Vice President and 
Chief Financial officer

Back
grant m. yoshihara
Vice President  
Utility operations

tom imeson
Vice President  
Public Affairs

c. alex miller
Vice President 
regulation and 
treasurer

david r. williams
Vice President
Utility Services

j. keith white
Vice President Business 
Development and  
energy Supply and 
Chief Strategic officer

mardilyn saathoff
Vice President legal, 
risk and Compliance  
and Corporate  
Secretary

brody j. wilson
Controller and 
Chief Accounting 
officer

BoArD oF directors

timothy p. boyle
Chief executive officer
Columbia Sportswear 
Company

martha l.  
“stormy” byorum
Chief executive officer, 
Cori Investment  
Advisors, llC

john d. carter
Chairman  
of the Board 
Schnitzer Steel  
Industries, Inc.

mark s. dodson
Former Chief  
executive officer 
NW Natural

c. scott gibson
President 
Gibson enterprises

tod r. hamachek
Chairman of the Board
NW Natural

gregg s. kantor
President and Chief 
executive officer 
NW Natural

jane l. peverett
Former President and 
Chief executive officer 
British Columbia trans-
mission Corporation

kenneth thrasher
Chairman  
of the Board 
Compli Corporation

malia wasson
Former executive 
Vice President of 
Commercial Banking, 
U.S. Bank

SHAreHolDer iNformatioN

9

Notice of annual meeting

the 2015 Annual Meeting will be held at 2 p.m., thursday, May 28, at the company’s headquarters, one Pacific Square, 220 NW 2nd Ave., 

4th floor, Portland, oregon 97209. A meeting notice and proxy statement will be sent to all shareholders in April. If you plan to attend the 

annual meeting, you will need to detach and retain the admission ticket attached to your proxy card mailed to you with the notice of the 

annual meeting and the proxy statement. As space is limited, you may bring only one guest to the meeting. If you hold your stock through 

a broker, bank or other nominee, please bring a legal proxy or other evidence to the meeting showing that you owned NW Natural 

Common Stock as of the record date, April 9, 2015, and we will provide you with an admission ticket. A form of government-issued 

photograph identification will be required for both you and your guest to enter the meeting.

dividend reinvestment and  
direct stock purchase plan 

contact the NW Natural Board

request for publications

Concerns may be directed to the non-

the following publications may be 

Participants may make an initial invest-

management directors by writing to  

obtained without charge by contacting 

ment in company stock and common 

NW Natural Board of Directors,  

the Corporate Secretary at NW Natural’s 

shareholders of record may reinvest all  

c/o Corporate Secretary.  

address: Annual report; Form 10-K; Form 

or part of their dividends in additional 

10-Q; Corporate Governance Standards; 

shares under the company’s plan. Cash 

forward-looking statements

Director Independence Standards; Code 

purchases may also be made. Participants 

in the plan bear the cost of brokerage fees 

and commissions for shares purchased  

on the open market to fulfill purchases 

under the plan. A prospectus will be  

sent upon request. 

scheduled dividend payment dates 

February 13, 2015

May 15, 2015

August 14, 2015

November 13, 2015

certifications 

the Chief executive officer certified  

to the NYSe on June 17, 2014, that,  

as of that date, he was not aware of  

any violation by the company of NYSe’s 

corporate governance listing standards, 

and the company had filed with the  

Securities and exchange Commission 

(SeC), as exhibits 31.1 and 31.2 to its 

Annual report on Form 10-K for the year 

ended December 31, 2013, the certifi-

cates of the Chief executive officer and 

the Chief Financial officer of the company 

certifying the quality of the company’s 

public disclosure. For the year ended 

December 31, 2014, the certificates of 

the Chief executive officer and Chief 

Financial officer are attached as exhibits 

31.1 and 31.2 to the Form 10-K included 

in this Annual report.

the statements made in this Annual 

report that are not purely historical, 

including statements regarding strat-

egy, growth and growth initiatives, 

dividends, earnings, future demand for 

gas, commodity costs and competitive-

ness, revenues, customer growth, gas 

supplies and reserves, hedge efficacy, 

capital expenditures, investments and 

returns, business development, potential 

projects, costs and project timelines, 

pipeline replacement and safety and first 

responder programs, system reliability, 

storage performance values, recovery 

and expansion, governmental policy 

and legislation, regulatory cost recovery 

mechanisms, including, but not limited 

to, the SrrM, regulatory prudence 

reviews, regulatory proceedings and ac-

tions, economic recovery factors, market 

trends and the competitive environment 

of ethics; and Board Committee Charters. 

these publications, as well as other filings 

made with the SeC, are also available  

on our website at nwnatural.com. our 

SeC filings are also available by request 

through the SeC by mail at U.S. Securi-

ties and exchange Commission, office  

of FoIA/PA operations, 100 F Street, 

N.e., Washington, D.C. 20549, or online 

at sec.gov. You can obtain information 

about access to the Public reference 

room and how to access or request 

records by calling the SeC at  

(202) 551-8090.

comparison of five-year  
cumulative total return
(Based on $100 invested on 12/31/2009)

$250

$200

are forward-looking statements within the 

$150

“safe harbor” provisions of the Private 

Securities litigation reform Act of 1995. 

$100

NW Natural’s actual results could differ 

materially from those anticipated in these 

$50

forward-looking statements as a result  

of risks and uncertainties, including those 

$0

described in the attached report on  

Form 10-K.

2009

2010

2011

2012

2013

2014

NWN

S&P UTILITIES INDEX

S&P 500 INDEX

For a more complete description of these 

risks and uncertainties, please refer to 

our filings with the SeC on Forms 10-K 

and 10-Q.

Total shareholder return (annualized) over the five 
years ending December 31, 2014 for NW Natural 
was 6.1%, compared to Standard & Poor’s (S&P) 
Utilities Index return of 13.3%, and the S&P 500 
Index return of 15.5%.

10 lIVING oUr missioN & values

our missioN
We provide safe, reliable 
and affordable energy in an 
environmentally responsible 
way to better the lives of 
the public we serve.

our core values
Integrity
Safety
Service ethic
Caring
environmental Stewardship

Produced by NW Natural’s Corporate Communications
photo credits
Cover - Customer service representative, NW Natural trucks: Corky Miller.

Page 3 - Gregg Kantor, Kruse Village: Jeff Lee.

Page 4 - Customer service and gas control: Corky Miller.

Page 6 - Mist Storage: Corky Miller; Gas pipe: Robbie McClaran.

Page 8 - Corporate Officers: Jeff Lee; Board of Directors: Robbie McClaran.

Inside back cover - Robert Hess and Chu Lee: Robbie McClaran.

printing

RR Donnelley

Form 10-K
Annual Report

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K

(Mark One)
[X]       ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2014
OR

[  ]       TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ___________ to____________
Commission file number 1-15973

NORTHWEST NATURAL GAS COMPANY
(Exact name of registrant as specified in its charter) 

 Oregon 

(State or other jurisdiction of    

incorporation or organization)  

93-0256722

(I.R.S. Employer

Identification No.)

220 N.W. Second Avenue, Portland, Oregon 97209
(Address of principal executive offices)  (Zip Code)
Registrant’s telephone number, including area code:  (503) 226-4211

Securities registered pursuant to Section 12(b) of the Act:
Title of each class                                                                                   Name of each exchange on which registered
Common Stock                                                                                       New York Stock Exchange
Securities registered pursuant to Section 12(g) of the Act:  None.

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Yes  [ X ]    No  [    ]

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes  [   ]    No  [ X ]

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the 
Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to 
file such reports), and (2) has been subject to such filing requirements for the past 90 days. 
Yes  [ X ]    No  [    ]

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every 

Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) 
during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). 
Yes [ X ]     No  [   ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405) is not contained 
herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated 
by reference in Part III of this Form 10-K or any amendment to this Form 10-K. 

[   ]
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a 
smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in 
Rule 12b-2 of the Exchange Act. (Check one):

Large Accelerated Filer [ X ]                                                                      Accelerated Filer [    ]
Non-accelerated Filer [    ]                                                                         Smaller Reporting Company [    ]
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes  [   ]    No  [ X ]

As of June 30, 2014, the registrant had 27,171,581 shares of its Common Stock outstanding, of which 26,805,283 shares 
were held by non-affiliates. The aggregate market value of the shares of Common Stock (based upon the closing price of these 
shares on the New York Stock Exchange on that date) held by non-affiliates was $1,263,869,093.

At February 20, 2015, 27,304,169 shares of the registrant’s Common Stock (the only class of Common Stock) were 

outstanding.

Portions of the Proxy Statement of the registrant, to be filed in connection with the 2015 Annual Meeting of Shareholders, are 
incorporated by reference in Part III.

DOCUMENTS INCORPORATED BY REFERENCE

NORTHWEST NATURAL GAS COMPANY
Annual Report to Securities and Exchange Commission on Form 10-K
For the Fiscal Year Ended December 31, 2014

TABLE OF CONTENTS

PART I

Glossary of Terms and Abbreviations

Forward-Looking Statements

Item 1.

Business

Overview

Business Model

Local Gas Distribution

Gas Storage

Other

Environmental Issues

Employees

Additions to Infrastructure

Executive Officers of the Registrant

Available Information

Item 1A. Risk Factors

Item 1B. Unresolved Staff Comments

Properties

Legal Proceedings

Mine Safety Disclosures

Item 2.

Item 3.

Item 4.

PART II

Item 5.

Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer

Item 6.

Item 7.

Purchases of Equity Securities

Selected Financial Data

Management’s Discussion and Analysis of Financial Condition and Results of Operations

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

Item 8.
Item 9.

Financial Statements and Supplementary Data

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

Item 9A. Controls and Procedures

Item 9B. Other Information

PART III

Item 10. Directors, Executive Officers and Corporate Governance

Item 11. Executive Compensation
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Item 13. Certain Relationships and Related Transactions, and Director Independence

Item 14. Principal Accountant Fees and Services

PART IV  

Item 15. Exhibits and Financial Statement Schedules

SIGNATURES

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GLOSSARY OF TERMS AND ABBREVIATIONS

AFUDC

AM Best

Allowance for Funds Used During Construction

A.M. Best Co. is a global independent credit rating agency

AOCI / AOCL

Accumulated Other Comprehensive Income (Loss)

ARO

ASC

ASU

Asset Retirement Obligation

Accounting Standards Codification

Accounting Standards Update as issued by the FASB

Average Weather

The 25-year average heating degree days based on temperatures established in our last
Oregon general rate case.

Bcf

Btu

CAP

CNG

CO2

Billion cubic feet, a volumetric measure of natural gas, where one Bcf is roughly equal to
10 million therms.

British thermal unit, a basic unit of thermal energy measurement. One Btu equals the
energy required to raise one pound of water one degree Fahrenheit at an atmospheric
pressure of one and 60 degrees Fahrenheit. One hundred thousand Btus equal one
therm.
Compliance Assurance Process with the Internal Revenue Service

Compressed Natural Gas

Carbon Dioxide

Core Utility Customers

Residential, commercial and industrial customers receiving firm service from the utility.

Cost of Gas

CPUC

Decoupling

Demand Cost

Dth

EBITDA

EE/CA

Encana

The delivered cost of natural gas sold to customers, including the cost of gas purchased
or withdrawn/produced from storage inventory or reserves, gains and losses from gas
commodity hedges, pipeline demand costs, seasonal demand cost balancing
adjustments, regulatory gas cost deferrals and company gas use.

California Public Utilities Commission. The entity that regulates our California gas storage
business at our Gill Ranch facility with respect to rates and terms of service, among other
matters.

A billing rate mechanism, also referred to as our conservation tariff, which is designed to
break the link between utility earnings and the quantity of natural gas sold to customers.
The design is intended to allow the utility to encourage industrial and small commercial
customers to conserve energy while not adversely affecting its earnings due to
reductions in sales volumes.

A component in core utility customer rates representing the cost of securing firm pipeline
capacity, whether the capacity is used or not.
Dekatherm (also decatherm) is equal to 10 therms or one million British thermal units
(Btu).

Earnings before interest, taxes, depreciation and amortization, a non-GAAP
measurement.

Engineering Evaluation / Cost Analysis

Encana Oil & Gas Inc.

Energy Corp

Northwest Energy Corporation, a wholly-owned subsidiary of NW Natural

EPA

EPS

FASB

FERC

Firm Service

FMB

GAAP

Environmental Protection Agency

Earnings per share

Financial Accounting Standards Board

Federal Energy Regulatory Commission. The entity regulating interstate storage services
offered by our Mist gas storage facility as part of our gas storage segment.

Natural gas service offered to customers under contracts or rate schedules that will not
be disrupted to meet the needs of other customers.

First Mortgage Bonds

Accounting principles generally accepted in the United States of America

General Rate Case

A periodic filing with state or federal regulators to establish billing rates for utility
customers.

GHG

Gill Ranch

Greenhouse gases

Gill Ranch Storage, LLC, a wholly-owned subsidiary of NWN Gas Storage

1

Gill Ranch Facility

GTN

Heating Degree Days

Underground natural gas storage facility near Fresno, California, with 75% owned by Gill
Ranch and 25% owned by PG&E.

Gas Transmission Northwest, which owns a transmission pipeline serving California and
the Pacific Northwest.

Units of measure reflecting temperature-sensitive consumption of natural gas, calculated
by subtracting the average of a day’s high and low temperatures from 65 degrees
Fahrenheit.

HATFA

Highway and Transportation Funding Act of 2014

Interruptible Service

Natural gas service offered to customers (usually large commercial or industrial users)
under contracts or rate schedules that allow for interruptions when necessary to meet the
needs of firm service customers.

IRP

IRS

KB

LIBOR

LNG

LWG

MAP-21

Moody's

NAV

Integrated Resource Plan

United States Internal Revenue Service

Kelso-Beaver Pipeline, of which 10% is owned by K-B Pipeline Company, a subsidiary of
NNG Financial

London Interbank Offered Rate

Liquefied Natural Gas. The cryogenic liquid form of natural gas. To reach a liquid form at
atmospheric pressure, natural gas must be cooled to approximately negative 260
degrees Fahrenheit.

Lower Willamette Group

A federal pension plan funding law called the Moving Ahead for Progress in the 21st
Century Act, July 2012.

Moody's Investors Service, Inc. is a credit rating agency.

Net Asset Value

NNG Financial

NNG Financial Corporation, a wholly-owned subsidiary of NW Natural

NOL

Net Operating Loss

NWN Energy

NW Natural Energy, LLC, a wholly-owned subsidiary of NW Natural

NWN Gas Reserves

NW Natural Gas Reserves, LLC, a wholly-owned subsidiary of Northwest Energy
Corporation

NWN Gas Storage

NW Natural Gas Storage, LLC, a wholly-owned subsidiary of NWN Energy

OPEIU

OPUC

PBGC

PG&E

PGA

PGE

PHMSA

RI/FS

ROE

ROR

S&P

Office and Professional Employees International Union Local No. 11, AFL-CIO, which is
also referred to as the Union representing NW Natural's bargaining unit employees.

Public Utility Commission of Oregon. The entity that regulates our Oregon utility business
with respect to rates and terms of service, among other matters. The OPUC also
regulates our Mist gas storage facility's intrastate storage services.

Pension Benefit Guaranty Corporation

Pacific Gas & Electric Company is a 25% owner of the Gill Ranch Facility.

Purchased Gas Adjustment. A regulatory mechanism which adjusts customer rates to
reflect changes in the forecasted cost of gas and differences between forecasted and
actual gas costs from the prior year.

Portland General Electric

U.S. Department of Transportation's Pipeline and Hazardous Materials Safety
Administration

Portland Harbor Remedial Investigation / Feasibility Study

Return on Equity. A measure of corporate profitability, calculated as net income divided
by average common stock equity. Authorized ROE refers to the equity rate approved by a
regulatory agency for use in determining utility revenue requirements.

Rate of Return

Standard & Poor's, a division of The McGraw-Hill Companies, Inc., is a credit rating
agency.

Sales Service

Service provided whereby a customer purchases both natural gas commodity supply and
transportation from the utility.

SEC

U.S. Securities and Exchange Commission

2

SIP

SRRM

TAIL

Therm

TWH

TWP

System Integrity Program. An Oregon billing rate mechanism that provides cost recovery
of pipeline system integrity programs, which are required under various safety standards
prescribed by both state and federal regulators.
Site Remediation and Recovery Mechanism. An Oregon billing rate mechanism for
recovering prudently incurred environmental site remediation costs through customer
billings, subject to an earnings test.

TransCanada American Investments, Ltd., a 50% owner of TWH

The basic unit of natural gas measurement, equal to one hundred thousand Btu’s.

Trail West Holdings, LLC (formerly Palomar Gas Holdings, LLC), which is 50% owned by
NWN Energy

Trail West Pipeline, LLC, a subsidiary of TWH (formerly Palomar Gas Transmissions,
LLC)

TransCanada

TransCanada Pipelines Limited, owner of TAIL and GTN

Transportation Service

Service provided whereby a customer purchases natural gas commodity directly from a
supplier but pays the utility to transport the gas over its distribution system to the
customer’s facility.

Utility Margin

A financial measure consisting of utility operating revenues less the associated cost of
gas and franchise tax.

VIE

Variable Interest Entity

Weather Normalization

WUTC

An Oregon billing rate mechanism applied to residential and commercial customers to
adjust for temperature variances from average weather. Rates decrease when the
weather is colder than average, and rates increase when the weather is warmer than
average. The mechanism is applied to customer bills from December through May of
each heating season.

Washington Utilities and Transportation Commission. The entity that regulates our
Washington utility business with respect to rates and terms of service, among other
matters.

3

FORWARD-LOOKING STATEMENTS

This report contains forward-looking statements within the 
meaning of the U.S. Private Securities Litigation Reform Act 
of 1995. Forward-looking statements can be identified by 
words such as anticipates, intends, plans, seeks, believes, 
estimates, expects, and similar references to future periods. 
Examples of forward-looking statements include, but are not 
limited to statements regarding the following:
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
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• 
• 

plans;
objectives;
goals;
strategies;
assumptions and estimates;
future events or performance;
trends;
risks;
timing and cyclicality;
earnings and dividends;
capital structure;
growth;
customer rates;
commodity costs;
gas reserves;
operational performance and costs;
energy policy and preferences;
efficacy of derivatives and hedges;
liquidity and financial positions;
project and program development, expansion, or 
investment;
competition;
procurement and development of gas supplies;
estimated expenditures;
costs of compliance;
credit exposures;
potential efficiencies;
rate or regulatory recovery or refunds;
impacts of laws, rules and regulations;
tax liabilities or refunds;
levels and pricing of gas storage contracts;
outcomes and effects of potential claims, litigation, 
regulatory actions, and other administrative matters;
projected obligations under retirement plans;
availability, adequacy, and shift in mix, of gas supplies;
approval and adequacy of regulatory deferrals;
effects of regulatory mechanisms; and
environmental, regulatory, litigation and insurance costs 
and recoveries, and timing thereof.

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

• 
• 
• 
• 
• 

Forward-looking statements are based on our current 
expectations and assumptions regarding our business, the 
economy and other future conditions. Because forward-
looking statements relate to the future, they are subject to 
inherent uncertainties, risks and changes in circumstances 
that are difficult to predict. Our actual results may differ 
materially from those contemplated by the forward-looking 
statements. We therefore caution you against relying on any 
of these forward-looking statements. They are neither 
statements of historical fact nor guarantees or assurances 
of future performance. Important factors that could cause 
actual results to differ materially from those in the forward-
looking statements are discussed at Item 1A., "Risk 
Factors" of Part I and Item 7. and Item 7A., "Management’s 
Discussion and Analysis of Financial Condition and Results 
of Operations" and "Quantitative and Qualitative Disclosures 
About Market Risk", respectively, of Part II of this report.

Any forward-looking statement made by us in this report 
speaks only as of the date on which it is made. Factors or 
events that could cause our actual results to differ may 
emerge from time to time, and it is not possible for us to 
predict all of them. We undertake no obligation to publicly 
update any forward-looking statement, whether as a result 
of new information, future developments or otherwise, 
except as may be required by law.

4

 
NORTHWEST NATURAL GAS 
COMPANY
PART I

ITEM 1. BUSINESS

OVERVIEW

Northwest Natural Gas Company (NW Natural or the 
Company) was incorporated under the laws of Oregon in 
1910. However, our company and its predecessors have 
supplied gas service to the public since 1859, and we have 
been doing business as NW Natural since 1997. We 
maintain operations in Oregon, Washington, and California 
and conduct business through NW Natural and its 
subsidiaries. References in this discussion to "Notes" are 
the Notes to the Consolidated Financial Statements in Item 
8 of this report.

We have two core businesses: our regulated local gas 
distribution business, referred to as the utility segment, 
which serves residential, commercial, and industrial 
customers in Oregon and southwest Washington; and our 
gas storage businesses, referred to as the gas storage 
segment, which provides storage services for utilities, gas 
marketers, electric generators, and large industrial users 
from storage facilities located in Oregon and California. In 
addition, we have investments and other non-utility activities 
that we aggregate and report as other. 

The utility business is our largest segment, while our gas 
storage businesses account for the majority of our 
remaining net income. The following table reflects the 
percentage allocation between segments and other as of 
December 31, 2014:

Non-Utility(1)

Utility

Gas 
Storage(2)

Other

Total

Assets

90.5%

9.0 %

0.5%

100.0%

Net Income
(1) 

99.8%

(0.6)%

100.0%
 We refer to our gas storage segment and other as non-utility 
as they are not included in our regulated gas distribution 
business; however, certain aspects of the gas storage 
segment and other may be regulated by the OPUC, WUTC, 
CPUC, or FERC. 

0.8%

(2)   Gas Storage segment includes asset management services 
for both the utility and non-utility portion of our Mist gas 
storage facility. 

LOCAL GAS DISTRIBUTION "UTILITY"

The utility is principally engaged in the regulated distribution 
of natural gas in Oregon and southwest Washington to over 
700,000 customers with approximately 89% of our 
customers located in Oregon and 11% located in 
Washington. In total, we provide natural gas service to over 
100 cities in 18 counties with an estimated population of 3.5 
million in our service territory.

We have been allocated an exclusive service territory by the 
OPUC and WUTC, which includes a major portion of 
western Oregon, including the Portland metropolitan area, 

5

most of the Willamette Valley, the Coastal area from Astoria 
to Coos Bay, and portions of Washington along the 
Columbia River. Portland serves as one of the largest 
international ports on the West Coast and is a key 
distribution center due to its comprehensive transportation 
system of ocean and river shipping, transcontinental 
railways and highways, and an international airport. Major 
businesses in the retail, manufacturing, and high-technology 
industries are located in our service territory. 

Customers
We serve residential, commercial and industrial customers 
with no individual customer or industry accounting for more 
than 10% of our utility revenues. On an annual basis, 
residential and commercial customers typically account for 
around 60% of our utility’s total volumes delivered and 90% 
of our utility’s margin. Industrial customers largely account 
for the remaining volumes and utility margin. The following 
table presents summary customer information as of 
December 31, 2014:

Residential

Commercial

Industrial

Total

Number of
Customers

% of
Volumes

% of Utility 
Margin (1)

637,411

66,304

929

704,644

35%

22%

43%

100%

64%

28%

8%

100%

(1)   Utility margin is also derived from other items, including 

miscellaneous services, gains or losses from our incentive gas 
cost sharing mechanism, and other service fees. 

Generally residential and commercial customers purchase 
both their natural gas commodity (gas sales) and natural 
gas delivery services (transportation services) from the 
utility. Industrial customers also purchase transportation 
services from the utility, but may buy the gas commodity 
either from the utility or directly from a third-party gas 
marketer or supplier. Our gas commodity cost is primarily a 
pass-through cost to customers; therefore, our profit 
margins are not materially affected by an industrial 
customer's decision to purchase gas from us or from third 
parties. Industrial and large commercial customers may also 
select between firm and interruptible service levels, with firm 
services generally providing higher profit margins compared 
to interruptible services.

To help manage gas supplies, our industrial tariffs are 
designed to provide some certainty regarding industrial 
customers' volumes by requiring an annual service election, 
special charges for changes between elections, and in 
some cases, a minimum or maximum volume requirement 
before changing options. 

Customer growth rates for natural gas utilities in the Pacific 
Northwest historically have been among the highest in the 

  
  
nation due to lower market saturation as natural gas 
became widely available as a residential heating source 
after other fuel options. We estimate natural gas is in less 
than 60% of residential single-family dwellings in our service 
territory. Therefore, growth in the region comes from both 
new single and multi-family housing construction and 
existing homes converting to natural gas. Prior to the most 
recent recession, our customer growth rate averaged over 
3% for many years. From 2009 to 2012, growth dipped 
below 1%, but in 2013 and 2014, the 12-month growth rate 
increased to 1.3% and 1.4%, respectively. Natural gas is a 
preferred energy resource in our service territory, as it is a 
low-cost, reliable, clean energy choice, and as such, we 
believe there is potential for continued growth. See Note 4 
for information on the utility's assets and results of 
operations.

Competitive Conditions
In our service areas, we have no direct competition from 
other natural gas distributors, but we compete with other 
forms of energy supply in each customer class. This 
competition among energy suppliers is based on price, 
efficiency, reliability, performance, market conditions, 
technology, federal and state energy policy, and 
environmental impacts. 

For residential and small to mid-size commercial customers, 
we compete primarily with electricity, fuel oil, propane, and 
renewable energy providers. 

In the industrial and large commercial markets, we compete 
with all forms of energy, including competition from 
wholesale natural gas marketers. In addition, large industrial 
customers could bypass our local gas distribution system by 
installing their own direct pipeline connection to the 
interstate pipeline system. We have designed custom 
transportation service agreements with several of our 
largest industrial customers to provide transportation service 
rates that are competitive with the customer’s costs of 
installing their own pipeline; these agreements generally 
prohibit bypass. Due to the cost pressures confronting a 
number of our largest customers competing in global 
markets, bypass continues to be a competitive 
threat. Although we do not expect a significant number of 
our large customers to bypass our system in the 
foreseeable future, we could experience deterioration of 
margin if customers bypass or switch over to custom 
contracts with lower profit margins.

Seasonality of Business
Our utility business is seasonal in nature due to higher gas 
usage by residential and commercial customers during the 
cold winter heating months.

Regulation and Rates
The utility is subject to regulation by the OPUC, WUTC, and 
FERC. These regulatory agencies authorize rates and allow 
recovery mechanisms to provide our utility the opportunity to 
recover prudently incurred capital and operating costs from 
customers, while also earning a reasonable return on 
investment for investors. In addition, the OPUC and WUTC 
also regulate the system of accounts and issuance of 
securities by our utility.

6

We file general rate cases and rate tariff requests 
periodically with the commissions to establish approved 
rates, an authorized ROE, an overall rate of return on rate 
base (ROR), an authorized utility capital structure, and other 
revenue/cost deferral and recovery mechanisms.

In addition, under our Mist interstate storage certificate with 
FERC, the utility is required to file either a petition for rate 
approval or a cost and revenue study every five years to 
change or justify maintaining the existing rates for the 
interstate storage service. We filed a rate petition in 2013 
and received approval in 2014 for new maximum cost-
based rates effective January 1, 2014. 

The utility's most recent general rate case in Oregon was 
effective November 1, 2012, and the latest Washington rate 
case was effective January 1, 2009. Our current approved 
rates and recovery mechanisms for each service area 
include:

Authorized Rate Structure:

ROE

ROR

Oregon

Washington(1)

9.5%

7.8%

10.1%

8.4%

Debt/Equity Ratio

50%/50%

49%/51%

Key Regulatory Mechanisms:

PGA

Incentive Sharing

Weather Normalization Tariff

Decoupling

SIP

Pension Balancing

Environmental Cost Deferral

SRRM

X

X

X

X

X

X

X

X

X

X

(1) Although we do not have the same specific regulatory 
mechanisms in Washington, we do have approved regulatory 
deferral orders that allow us to defer certain costs for future 
recovery through the PGA or future general rate cases, such as our 
environmental cost deferral order. 

In general, these rates and regulatory mechanisms do not 
allow the utility to earn a profit or incur a loss on our gas 
commodity purchases. This means gas commodity 
purchase costs are primarily a pass-through cost in 
customer rates, with the exception of our original gas 
reserves investment and incentive cost sharing mechanism 
in Oregon. Under this mechanism, we can either increase or 
decrease margin revenues based on higher or lower actual 
gas purchase costs compared to gas purchase costs 
embedded in the PGA. Except for as described below, we 
can earn an authorized return on the equivalent rate base 
investment on our gas reserves.

For a complete discussion of regulatory matters, open 
dockets, current regulatory activities, and additional details 
on each rate mechanism, see Part II, Item 7, "Results of 
Operations—Regulatory Matters" and "Gas Storage" below.

Gas Supply
The utility strives to secure sufficient, reliable supplies of 
natural gas to meet the needs of customers at the lowest 
reasonable cost, while maintaining price stability and 
managing gas purchase costs prudently. This is 
accomplished through a comprehensive strategy focused on 
the following items:
•  Diverse Supply - providing diversity of supply sources;
•  Diverse Contracts - maintaining a variety of contract 

durations and types; and 

•  Cost Management - employing prudent gas cost 

management strategies. 

Diversity of Supply Sources 
We purchase our gas supplies primarily from the Alberta 
and British Columbia areas of Canada and multiple receipt 
points in the U.S. Rocky Mountains to protect against 
regional supply disruptions and to optimize price 
differentials. For 2014, 66% of our gas supply came from 
Canada, with the balance primarily coming from the U.S. 
Rocky Mountain region. We believe gas supplies available 
in the western United States and Canada are adequate to 
serve our core utility requirements for the foreseeable 
future. We continue to evaluate the long-term supply mix 
based on projections of gas production and pricing in the 
U.S. Rocky Mountain region as well as other regions in 
North America; however, we believe the cost of natural gas 
coming from western Canada and the U.S. Rocky Mountain 
region will continue to track with broader U.S. market 
pricing. Additionally, the extraction of shale gas has 
increased the availability of gas supplies throughout North 
America for the foreseeable future.

We supplement our firm gas supply purchases with gas 
withdrawals from gas storage facilities, including 
underground reservoirs and LNG storage facilities. Storage 
facilities are generally injected with natural gas during off-
peak months during the spring and summer and the gas is 
withdrawn for use during peak demand months in the winter. 

The following table presents the storage facilities available 
for our utility supply:

Gas Storage Facilities:

Owned Facility:
Mist, Oregon(1)

Contracted Facilities:

Jackson Prairie, Washington(2)
Alberta, Canada(3)

LNG Facilities:

Owned Facilities:

Newport, Oregon

Portland, Oregon

Total

Maximum 
Daily 
Deliverability 
(therms in 
millions)

Capacity 
(Bcf)

2.7

0.5

0.5

0.6

1.2

5.5

10.0

1.1

4.0

0.9

0.6

16.6

(1) The Mist gas storage facility has a total maximum daily 
deliverability of 5.2 million therms and a total working gas capacity 
of about 16 Bcf, of which 2.7 million therms of daily deliverability 
and 10 Bcf of storage capacity are reserved for core utility 
customers. 
(2) The storage facility is located near Chehalis, Washington and is 
contracted from Northwest Pipeline, a subsidiary of The Williams 
Companies. A portion of the related pipeline transportation service 
from this facility is subject to curtailment and considered secondary 
firm capacity. As a result, NW Natural is evaluating the reliability of 
the capacity as part of the IRP process.
(3) This resource does not add to our total peak day capacity, but 
helps to manage price risks as it displaces equivalent volumes of 
heating season spot purchases. 

The Mist facility is used for both utility and non-utility 
purposes. Under our regulatory agreements with the OPUC 
and WUTC, non-utility gas storage at Mist can be developed 
in advance of core utility customer needs but is subject to 
recall by the utility when needed to serve utility customers 
as their demand increases. In May 2015, the utility plans to 
recall 0.3 million therms per day of deliverability and 0.7 Bcf 
of associated storage capacity from the non-utility business 
to serve core utility customer needs.  

In addition, we have the ability to recall pipeline capacity 
and supply resources from certain customers if needed.

7

Diverse Contract Durations and Types
We have a diverse portfolio of short-, medium-, and long-
term firm gas supply contracts and a variety of contract 
types including firm and interruptible supplies plus 
supplemental supplies from gas storage facilities. 

Our portfolio of firm gas supply contracts typically includes 
the following gas purchase contracts: year-round and 
winter-only baseload supplies; seasonal supply with an 
option to call on additional daily supplies during the winter 
heating season; and daily or monthly spot purchases.

During 2014, we purchased a total of 761 million therms 
under contracts with durations outlined in the chart below:

Contract Duration (primary term)

Long-term (one year or longer)

Short-term (more than one month, less than one
year)

Spot (one month or less)

Total

Percent of
Purchases

30%

25

45

100%

We renew or replace gas supply contracts as they expire. 
Aside from the gas supplies provided by an independent 
energy marketing company as part of asset management 
services, no individual supplier provided over 10% of our 
gas supply requirements in 2014. 

Gas Cost Management Strategy 
The cost of gas sold to utility customers primarily consists of 
the following items, which are included in annual PGA rates: 
purchase price paid to suppliers; charges paid to pipeline 
companies to store and transport gas to our distribution 
system; our gas reserves contract; and gains or losses 
related to gas commodity derivative contracts.

We employ a number of strategies to mitigate the cost of 
gas sold to utility customers. Our primary strategies for 
managing gas commodity price risk include:
• 
• 

negotiating fixed prices directly with gas suppliers;
negotiating financial derivative contracts that: (1) 
effectively convert floating index prices in physical gas 
supply contracts to fixed prices (referred to as 
commodity price swaps); or (2) effectively set a ceiling 
or floor price, or both, on floating index priced physical 
supply contracts (referred to as commodity price 
options such as calls, puts, and collars) See Part II, 
Item 7A, "Quantitative and Qualitative Disclosures 
About Market Risk—Credit Risk—Credit Exposure to 
Financial Derivative Counterparties";
buying physical gas supplies at a set price and injecting 
the gas into storage for price stability and to minimize 
pipeline capacity demand costs; and
investing in gas reserves for longer term price stability. 
See Note 11.

• 

• 

We also contract with an independent energy marketing 
company to capture opportunities regarding our unused 
storage and pipeline capacity when those assets are not 
serving the needs of our core utility customers. Our asset 
management activities provide cost savings that reduce our 
utility customer's cost of gas and opportunities to generate 
incremental revenues for NW Natural's shareholders from a 

8

regulatory incentive-sharing mechanism, which are included 
in our gas storage segment.

Transportation of Gas Supplies
Our local gas distribution system is reliant on a single, bi-
directional interstate transmission pipeline to bring gas 
supplies into our distribution system. Although we are 
dependent on a single pipeline, the pipeline’s gas flows into 
the Portland metropolitan market from two directions: (1) the 
north, which brings supplies from the British Columbia and 
Alberta supply basins; and (2) the east, which brings 
supplies from Alberta as well as the U.S. Rocky Mountain 
supply basins. 

We incur monthly demand charges related to our firm 
pipeline transportation contracts. Our largest pipeline 
agreements are with Northwest Pipeline. These contracts 
are multi-year contracts with expirations ranging from 2016 
to 2044. We actively work with Northwest Pipeline and 
others to renew contracts in advance of expiration and 
ensure gas transportation capacity is sufficient to meet our 
utility needs. 

Rates for interstate pipeline transportation services are 
established by FERC within the U.S. and by Canadian 
authorities for services on Canadian pipelines.

As mentioned above, NW Natural's service territory is 
dependent on a single pipeline for its natural gas supply. 
Although supply has not been disrupted in the recent past, 
pipeline replacement projects and long-term projected 
natural gas demand in our region underscore the need for 
pipeline transportation diversity. In addition, there are 
several potential industrial projects in the region, which 
could increase the demand for natural gas and the need for 
additional pipeline capacity and pipeline diversity. 

Several interstate pipeline projects currently proposed could 
meet the region's and NW Natural's projected demand. 
Though only one of these projects will likely be completed 
with the pipeline location dependent on the location of the 
successful project. NW Natural will evaluate and closely 
monitor the currently prospected projects to determine the 
best option for ratepayers. The Company also has an equity 
investment in Trail West Holdings, LLC (TWH) that is 
developing plans to build the Trail West pipeline, formerly 
known as Palomar or the cross-Cascades pipeline project. 
This pipeline would connect TransCanada Pipelines 
Limited’s (TransCanada) Gas Transmission Northwest 
(GTN) interstate transmission line to our local gas 
distribution system. If constructed, this pipeline would 
provide another transportation path for gas purchases from 
Alberta and the U.S. Rocky Mountains in addition to the one 
that currently moves gas through the Northwest Pipeline 
system. See Part II, Item 7, "2015 Outlook".

Gas Distribution
The goals of our gas distribution operations are:
•  Safety - Building and maintaining a safe pipeline 

distribution system;

•  Reliability - Ensuring gas resource portfolios are 
sufficient to satisfy customer requirements under 
extreme cold weather conditions;

• 

• 

Lowest Reasonable Cost - Acquiring gas supplies at 
the lowest reasonable cost for utility customers;
Price Stability - Managing commodity price volatility by 
making the best use of physical assets and financial 
instruments; and

•  Cost Recovery - Managing gas purchase costs 

prudently to minimize risks associated with regulatory 
reviews and cost recovery.

These goals are discussed more fully in the following 
sections.

Safety 
Safety and the protection of our employees, our customers 
and the public at large are, and will remain, our top 
priorities. We monitor and maintain our pipeline distribution 
system and storage operations with the goal of ensuring 
natural gas is stored and delivered safely, reliably and 
efficiently. Since 2004, we have partnered with the OPUC 
and WUTC on various efforts to improve the safety and 
reliability of our distribution system. In Oregon, we have a 
cost recovery program that integrated the Company’s 
programs for bare steel replacement, transmission pipeline 
integrity management, and distribution pipeline integrity 
management into a single program. Currently, we are 
seeking renewal of the System Integrity Program (SIP); 
however, our bare steel replacement program continues in 
2015. See Part II, Item 7, "Results of Operations—
Regulatory Matters—System Integrity Program". 

Natural gas distribution businesses are likely to be subject 
to even greater federal and state regulation in the future due 
to recent pipeline incidents involving other companies. Most 
recently, additional regulations from the U.S. Department of 
Transportation’s Pipeline and Hazardous Materials Safety 
Administration (PHMSA) were drafted in 2013 with final 
regulations expected in 2015 and an effective date in 
2016. We will continue to work diligently with industry 
associations as well as federal and state regulators to 
ensure the safety of our system and compliance with new 
laws and regulations. We expect the costs associated with 
compliance to federal, state, and local rules would be 
recoverable in rates.

Reliability
The effectiveness of our gas distribution system ultimately 
rests on whether we provide reliable service to our core 
utility customers. To ensure our effectiveness, we develop a 
composite design year, including a seven day design peak 
event based on the most severe cold weather experienced 
during the last 30 years in our service territory. 

Our projected maximum design day firm utility customer 
sendout totals approximately 9.3 million therms. Of this 
total, we are currently capable of meeting over 50% of our 
maximum design day requirements with gas from storage 
located within or adjacent to our service territory, while the 
remaining supply requirements would be met by gas 
purchases under firm gas purchase contracts and recall 
agreements. 

On February 6, 2014, we experienced our current record 
customer sendout of 9.0 million therms, which included 7.4 
million firm therms. This record day was approximately 9 
degrees Fahrenheit warmer than the design day 
temperature.

To supplement near-term natural gas supplies, the 
Company planned to segment transportation capacity 
during the 2014-2015 heating season for approximately 0.4 
million therms per day if needed. Pipeline segmentation is a 
natural gas transportation mechanism under which a 
shipper can leverage its firm pipeline transportation capacity 
by separating it into multiple segments with alternate 
delivery routes. The reliability of service on these alternate 
routes will vary depending on the constraints of the pipeline 
system. For those segments with acceptable reliability, 
segmentation provides a shipper with increased flexibility 
and potential cost savings compared to traditional pipeline 
service.

Specifically, the Company could segment pipeline capacity 
that flows from Stanfield, Oregon with additional gas 
expected from the Sumas, Washington trading hub. This 
segmented capacity is considered reliable as the pipeline 
has not experienced constraints from Sumas in recent 
years. 

We believe our gas supplies would be sufficient to meet 
existing firm customer demand if we were to experience 
maximum design day weather conditions. We will continue 
to evaluate and update our forecasted requirements and 
incorporate changes in our integrated resource plan (IRP) 
process.  

The following table shows the sources of supply projected to 
be used to satisfy the design day sendout for the 2014-2015 
winter heating season:

 Therms in millions

Sources of utility supply:

Firm supply purchases

Mist underground storage (utility only)

Company-owned LNG storage
Off-system storage contract(1)

Pipeline segmentation capacity

Recall agreements
Peak day citygate deliveries(2)

Therms

Percent

3.3

2.7

1.8

0.5

0.4

0.4

0.2

36%

29

20

5

4

4

2

9.3

Total

100%
(1) A portion of the related pipeline transportation service from this 
facility is subject to curtailment and considered secondary firm 
capacity. As a result, NW Natural is evaluating the reliability of the 
capacity as part of the IRP process.
(2) These citygate deliveries are contracted from December 2014 to 
February 2015 with this resource being evaluated for future heating 
seasons after the current winter. 

The OPUC and WUTC have IRP processes in which utilities 
define different growth scenarios and corresponding 
resource acquisition strategies in an effort to evaluate 
supply and demand resource requirements, consider 
uncertainties in the planning process and the need for 
flexibility to respond to changes, and establish a plan for 
providing reliable service at the least cost.

In general, the IRP is filed biannually with both the OPUC 
and the WUTC. An update is filed in Oregon in the off 
year. The OPUC acknowledges receipt of the IRP; whereas 
the WUTC provides notice our IRP met the requirements of 
the Washington Administrative Code. OPUC 
acknowledgment of the IRP does not constitute ratemaking 

9

approval of any specific resource acquisition strategy or 
expenditure. However, the Commissioners generally 
indicate they would give considerable weight in prudence 
reviews to utility actions consistent with acknowledged 
plans. The WUTC has indicated the IRP process is one 
factor it will consider in a prudence review. We filed our 
2014 IRP in both Oregon and Washington in August 2014 
and received acknowledgment from the OPUC in February 
2014. We are currently awaiting notice from the WUTC. 

Lowest Reasonable Cost
We apply cost management strategies, including fixed-price 
contracts, financial derivative instruments, storage supplies, 
acquisition of gas reserves, and asset management to 
acquire gas supplies at the lowest reasonable cost for utility 
customers. See "Gas Supply—Gas Cost Management 
Strategy" above.

Price Stability
We use physical assets and financial instruments to 
manage commodity price volatility. We purchase gas for our 
storage facilities generally during the summer months when 
demand and gas prices are typically lower. In addition, our 
gas reserves provide long-term gas price stability for our 
utility customers. We also mitigate year-to-year commodity 
price volatility through financial hedge contracts such as 
commodity price swaps and options. 

Cost Recovery
Mechanisms for gas cost recovery are designed to be fair 
and reasonable, with an appropriate balance between the 
interests of our customers and shareholders. In general, 
utility rates are designed to recover the costs, but not to 
earn a return on, the gas commodity sold. We minimize 
risks associated with gas cost recovery by resetting 
customer rates annually through the PGA and aligning 
customer and shareholder interests through the use of 
sharing, weather normalization, and conservation 
mechanisms in Oregon. See Part II, Item 7, "Results of 
Operations—Regulatory Matters—Rate Mechanisms" and 
"Results of Operations—Business Segments—Local Gas 
Distribution Utility Operations—Cost of Gas."

GAS STORAGE

The gas storage segment includes the following:
• 

the non-utility portion of the Mist gas storage facility 
near Mist, Oregon;
our 75% share of the Gill Ranch gas storage facility 
near Fresno, California; and
asset management services provided by an 
independent energy marketing company. 

• 

• 

In general, the supply of natural gas remains relatively 
stable over the course of a year, while the demand for 
natural gas typically fluctuates seasonally. Storage facilities 
allow customers to purchase and inject natural gas supplies 
during periods of low demand and withdraw these supplies 
for use or resale during periods of higher demand. These 
facilities allow us to capitalize on the imbalance of supply 
and demand and price volatility for natural gas. 

In recent years, as a result of the abundant supply of natural 
gas in North America, we have seen lower, more stable 
natural gas prices, which have created a challenging gas 

10

storage environment particularly in California. The spot price 
and front end of the forward curve for natural gas 
temporarily increased in late 2013 and early 2014 due to 
extreme cold weather. The effect during 2014 was a 
significant decline in storage levels, which resulted in spring 
and summer natural gas prices equal to projected gas 
prices for the winter of 2014-15. Thus, the purchase of 
spring and summer gas for injection into storage was less 
desirable and storage values decreased. While we are 
seeing some improvement in storage values coming out of 
this year's warmer than normal winter, overall prices remain 
lower than our long-term contracts that expired during the 
2013-14 gas storage year. Despite current market 
conditions, we continue to believe in the long-term need for 
gas storage, particularly in California, due to various 
regulations including renewable portfolio standards and 
signs of economic recovery and industrial growth in the 
region. Increased demand for natural gas and/or decreased 
drilling activity could change the current supply/demand 
imbalance and result in higher gas prices or increased 
market volatility, which could position this segment for 
growth.

See Note 4 for more information on gas storage assets and 
results of operations and "Financial Condition—Liquidity 
and Capital Resources".

Gas Storage Facilities
The following table provides information concerning the 
Company’s non-utility gas storage facilities:

Maximum

Designed 
Storage
Capacity 
(Bcf)

Deliverability
(Therms in 
millions/day)
(3)

Injection
(Therms in 
millions/day)
(3)

Mist Storage(1)

6

2.4

Gill Ranch Storage(2)
(1)   Approximately 6 Bcf of a total 16 Bcf at Mist is currently 

4.9

15

1.0

2.4

available to our gas storage segment. The remaining 10 Bcf is 
used to provide gas storage for our local distribution business 
and its utility customers. All storage capacity and daily 
deliverability currently developed for the gas storage segment 
at Mist is available for recall by the utility. In May 2015, the 
utility plans to recall approximately 0.3 million therms per day 
of deliverability or 0.7 Bcf of capacity for core utility customer 
use. 

(2)   Our share of the Gill Ranch facility is currently 15 Bcf out of a 

total capacity of 20 Bcf.

(3)   Our share of the expected daily maximum injection and 

deliverability rates.

Mist Storage Facility
The Mist storage facility began operations in 1989 and 
currently consists of seven depleted natural gas reservoirs, 
22 injection and withdrawal wells, a compressor station, 
dehydration and control equipment, gathering lines and 
other related facilities.

SERVICES. Mist provides multi-cycle gas storage services to 
customers in the interstate and intrastate markets from the 
facility located in Columbia County, Oregon, near the town 
of Mist. The Mist field was converted to storage operations 
for our utility customers. Since 2001, gas storage capacity 
at Mist has also been made available to interstate 
customers by developing new incremental capacity in 

 
advance of core utility customer requirements to meet the 
demands for interstate storage service. These interstate 
storage services are offered under a limited jurisdiction 
blanket certificate issued by FERC. In addition, since 2005 
we have offered intrastate firm storage services in Oregon 
under an OPUC-approved rate schedule as an optional 
service to eligible non-residential utility customers. 

CUSTOMERS. For Mist interstate storage services, firm 
service agreements with customers are entered into with 
terms typically ranging from 1 to 10 years. Currently, our 
gas storage revenues from Mist are derived primarily from 
firm service customers who provide energy related services, 
including natural gas production or distribution, electric 
generation, and energy marketing. Three storage customers 
currently account for over 90% of our existing non-utility gas 
storage capacity at Mist, with the largest customer 
accounting for about half of the total capacity. These three 
customers have contracts that expire at various dates 
through 2018.

COMPETITIVE CONDITIONS. Our Mist gas storage facility 
benefits from limited competition from other Pacific 
Northwest storage facilities primarily because of its 
geographic location. However, competition from other 
storage providers in Washington and Canada, as well as 
competition for interstate pipeline capacity, does exist. In the 
future, we could face increased competition from new or 
expanded gas storage facilities as well as from new natural 
gas pipelines, marketers, and alternative energy sources.

SEASONALITY. Mist gas storage revenues generally do not 
follow seasonal patterns similar to those experienced by the 
utility because most of the storage capacity is contracted 
with customers for firm service, which are primarily in the 
form of fixed monthly reservation charges and are not 
affected by customer usage. However, there is seasonal 
variation with Mist storage capacity related to utility 
customers' lower demand during the spring and summer 
months. This surplus storage capacity and related 
transportation capacity can be optimized under regulatory 
sharing agreements with the OPUC and WUTC. See "Asset 
Management" below.

REGULATION. Our Mist facility is subject to regulation by the 
OPUC and WUTC. In addition, FERC has approved 
maximum cost-based rates under our Mist interstate storage 
certificate. We are required to file either a petition for rate 
approval or a cost and revenue study with FERC at least 
every five years to change or justify maintaining the existing 
rates for the interstate storage service. See Part II, Item 7, 
"Results of Operations—Regulatory Matters".

EXPANSION OPPORTUNITIES. The need for new, flexible 
gas-fired generation has been identified in the Pacific 
Northwest region to integrate intermittent wind resources 
into the power system, thereby increasing the associated 
need for gas storage. To address this need, we are planning 
a potential expansion of our Mist storage facility. If 
completed, this expansion would be supported by a contract 
with Portland General Electric (PGE) to serve gas-fired 
electric power generation facilities at Port Westward, 
Oregon, which is located approximately 15 miles from Mist. 

11

The project would include a new reservoir providing up to 
2.5 Bcf of available storage, an additional compressor 
station with design capacity of 120,000 dekatherms of gas 
per day, and a 13-mile pipeline to connect to PGE’s gas 
plants at Port Westward. The current estimated cost of the 
expansion is approximately $125 million with a potential in-
service date in 2018 or 2019, depending on the permitting 
process and construction schedule.

In early 2015, we received authorization from PGE to begin 
permitting and land acquisition work, and in October 2014 a 
new rate schedule was approved under which we will 
provide no-notice gas storage service associated with the 
expansion. This expansion project is subject to PGE's final 
approval of project costs and a notice to proceed, as well as 
the receipt of permits, certain land rights, and other 
conditions. 

Gill Ranch Facility
Gill Ranch Storage, LLC (Gill Ranch), our subsidiary, has a 
joint project agreement with Pacific Gas and Electric 
Company (PG&E) to develop and own the Gill Ranch 
underground natural gas storage facility near Fresno, 
California. Currently, Gill Ranch is the sole operator of the 
facility. The facility began operations in 2010 and consists of 
three depleted natural gas reservoirs, 12 injection and 
withdrawal wells, a compressor station, dehydration and 
control equipment, gathering lines, an electric substation, a 
natural gas transmission pipeline extending 27 miles from 
the storage field to an interconnection with the PG&E 
transmission system, and other related facilities. Gill Ranch 
owns the rights to 75% of the available storage capacity at 
the facility. Gill Ranch’s share of the facility currently 
provides 15 Bcf of working gas capacity.

California has been impacted by challenging market 
conditions for gas storage, with contract prices in the region 
at historic lows for the past two years and a greater number 
of competitors in the area compared to the Pacific 
Northwest region. More recently, we have seen 
improvement in pricing for the upcoming 2015-2016 gas 
storage year, however prices are still lower than our long-
term contracts that expired during the 2013-2014 gas 
storage year. We are committed to using a variety of 
contracting tools to maximize the value of the Gill Ranch 
facility. In the longer term, we anticipate a rebound in gas 
storage values driven by a variety of factors including 
changes in energy generation triggered by California's 
renewable portfolio standards and carbon reduction targets, 
recovery of the California economy, and other favorable 
market conditions in and around California. We believe 
these factors could increase demand for natural gas storage 
and increase price volatility. 

SERVICES. Gill Ranch provides intrastate, multi-cycle 
storage services in California at market-based rates under a 
CPUC-approved tariff that includes firm storage service, 
interruptible storage service, and park and loan storage 
services. Our Gill Ranch facility is not currently authorized to 
provide interstate gas storage services.

 
CUSTOMERS. Customer contracts for firm storage capacity 
at Gill Ranch are as long as 28 years in duration; however, 
the majority of the contracted capacity is shorter term in 
nature due to market conditions. In the near-term, we 
expect Gill Ranch to contract for terms mostly ranging from 
one to five years. For the 2014-15 gas storage year, Gill 
Ranch has several storage customers, with the largest 
single contract accounting for approximately 13% of our 
storage capacity. In the near term, we continue to expect 
shorter contract lengths reflecting current market prices and 
trends. 

Asset Management
We contract with an independent energy marketing 
company to provide asset management services, primarily 
through the use of commodity and pipeline capacity release 
transactions. The results are included in the gas storage 
segment, except for amounts allocated to our utility 
pursuant to regulatory sharing agreements involving the use 
of utility assets. Utility pre-tax income from third-party asset 
management services is subject to revenue sharing with 
core utility customers. See Part II, Item 7, "Results of 
Operations—Business Segments—Gas Storage".

OTHER 

We have non-utility investments and other business 
activities which are aggregated and reported as other. Other 
primarily consists of: 
• 

an equity method investment in a joint venture to build 
and operate a gas transmission pipeline in Oregon.  
Trail West Holdings, LLC (TWH) is owned 50% by 
NWN Energy, a wholly-owned subsidiary of NW 
Natural, and 50% by TransCanada American 
Investments Ltd., an indirect wholly-owned subsidiary 
of TransCanada Corporation. See Part II, Item 7, "2015 
Outlook";
a minority interest in Kelso-Beaver Pipeline held by our 
wholly-owned subsidiary NNG Financial Corporation 
(NNG Financial); and 
other operating and non-operating income and 
expenses of the parent company that are not included 
in utility or gas storage operations. 

• 

• 

The pipelines referred to above are regulated by FERC. 
Less than 1% of our consolidated assets and consolidated 
net income are related to activities in other. See Note 4 for 
summary information for these assets and results of 
operations.

The California market served by Gill Ranch is larger, and 
has a greater diversity of prospective customers, than the 
Pacific Northwest market served by Mist. Therefore, we 
expect less sensitivity to any single customer or group of 
customers at Gill Ranch. Current Gill Ranch customers 
provide energy related services, including natural gas 
production, marketing, and electric generation.

COMPETITIVE CONDITIONS. The Gill Ranch storage facility 
competes with a number of other storage providers, 
including local integrated gas companies and other 
independent storage operators in the northern California 
market. As storage markets recover, there could also be 
expansions and proposed new construction of storage 
capacity in northern California that may create increased 
competition.

SEASONALITY. Although we expect much of the storage 
revenue at Gill Ranch to be in the form of fixed monthly 
demand charges, cash flows can fluctuate due to timing of 
asset management and other revenues. In addition, a 
significant portion of operating costs at Gill Ranch are 
subject to seasonality based on periods when storage 
customers elect to inject or withdraw.

REGULATION. Gill Ranch has a tariff on file with the CPUC 
authorizing it to charge market-based rates for the storage 
services offered. See Part II, Item 7, "Results of 
Operations–Regulatory Matters".

EXPANSION OPPORTUNITIES. Subject to market demand, 
project execution, available financing, receipt of future 
permits, and other rights, the Gill Ranch storage facility can 
be expanded beyond the current combined permitted 
capacity of 20 Bcf without further expansion of the takeaway 
pipeline system. Taking these considerations into account 
and with certain infrastructure modifications, we currently 
estimate the Gill Ranch storage facility could support an 
additional 25 Bcf of storage capacity, bringing the total 
storage capacity to approximately 45 Bcf, of which our 
current rights would give us up to an additional 7.5 Bcf or 
ownership of a total of approximately 22.5 Bcf.

12

Current federal rules require the reporting of greenhouse 
gas emissions. In September 2009, the EPA issued a final 
rule requiring the annual reporting of greenhouse gas 
emissions from certain industries, specified large 
greenhouse gas emission sources, and facilities that emit 
25,000 metric tons or more of CO2 equivalents per year. We 
began reporting emission information in 2011. Under this 
reporting rule, local gas distribution companies like NW 
Natural are required to report system throughput to the EPA 
on an annual basis. The EPA also issued additional 
greenhouse gas reporting regulations requiring the annual 
reporting of fugitive emissions from our operations. 

The outcome of federal and state policy development in the 
area of climate change cannot be determined at this time, 
but these initiatives could produce a number of results 
including new regulations, legal actions, additional charges 
to fund energy efficiency activities, or other regulatory 
actions. The adoption and implementation of any 
regulations limiting emissions of greenhouse gas from our 
operations could require us to incur costs to reduce 
emissions of greenhouse gases associated with our 
operations, which could result in an increase in the prices 
we charge our customers or a decline in the demand for 
natural gas. On the other hand, because natural gas is a 
fossil fuel with relatively low carbon content, it is also 
possible future carbon constraints could create additional 
demand for natural gas for electric generation, direct use of 
natural gas in homes and businesses, and as a reliable and 
relatively low-emission back-up fuel source for alternative 
energy sources. Requirements to reduce greenhouse gas 
emissions from the transportation sector, such as those in 
Oregon’s clean fuel standard, could also result in additional 
demand for natural gas for use in vehicles.

We continue to take steps to address future greenhouse 
gas emission issues, including actively participating in policy 
development through participation on various Oregon 
taskforces and, at the federal level, within the American Gas 
Association. We engage in policy development and in 
identifying ways to reduce greenhouse gas emissions 
associated with our operations and our customers’ gas use, 
including offering the Smart Energy program, which allows 
customers to voluntarily contribute funds to projects such as 
biodigesters on dairy farms that offset the greenhouse 
gases produced from their natural gas use.

ENVIRONMENTAL ISSUES 

Properties and Facilities  
We own, or previously owned, properties and facilities that 
are currently being investigated that may require 
environmental remediation and are subject to federal, state 
and local laws and regulations related to environmental 
matters. These laws and regulations may require 
expenditures over a long timeframe to address certain 
environmental impacts. Estimates of liabilities for 
environmental costs are difficult to determine with precision 
because of the various factors that can affect their ultimate 
disposition. 

These factors include, but are not limited to, the following:
• 
• 

the complexity of the site;
changes in environmental laws and regulations at the 
federal, state and local levels;
the number of regulatory agencies or other parties 
involved;
new technology that renders previous technology 
obsolete, or experience with existing technology that 
proves ineffective;
the ultimate selection of a particular technology;
the level of remediation required; and
variations between the estimated and actual period of 
time that must be dedicated to respond to an 
environmentally-contaminated site.

• 

• 

• 
• 
• 

We seek recovery of environmental costs through insurance 
and customer rates, and we believe recovery of these costs 
is probable. At December 31, 2014, we had an open 
proceeding with the OPUC to address implementation 
issues for the SRRM, which allows for regulatory cost 
recovery of our environmental expenditures. In February 
2015, the OPUC issued an order addressing outstanding 
items related to the SRRM, including prudence of past 
costs, an earnings test, and a regulatory disallowance of 
$15 million pre-tax to be recorded in the first quarter of 2015 
in accordance with accounting guidance and our regulatory 
accounting policy. See "Results of Operations—Rate 
Matters—Rate Mechanisms—Environmental Costs" below, 
Note 2, Note 15, and Note 16.

Greenhouse Gas Issues
We recognize our businesses are likely to be impacted by 
future requirements to address greenhouse gas emissions. 
Future federal and/or state requirements may seek to limit 
future emissions of greenhouse gases, including both 
carbon dioxide (CO2) and methane. These future laws and 
regulations may require certain activities to reduce 
emissions and/or increase the price paid for energy based 
on its carbon content. 

13

 
EMPLOYEES 

EXECUTIVE OFFICERS OF THE REGISTRANT

At December 31, 2014, the utility workforce consisted of 612 
members of the Office and Professional Employees 
International Union (OPEIU) Local No. 11, AFL-CIO, and 
472 non-union employees. Our labor agreement with 
members of OPEIU covers wages, benefits and working 
conditions. On May 22, 2014, our union employees ratified a 
new labor agreement (Joint Accord) that extends to 
November 30, 2019, and thereafter from year to year unless 
either party serves notice of its intent to negotiate 
modifications to the collective bargaining agreement. 

At December 31, 2014, our subsidiaries had a combined 
workforce of 19 non-union employees. Our subsidiaries 
receive certain services from centralized operations at the 
utility, and the utility is reimbursed for those services 
pursuant to a Shared Services Agreement.

ADDITIONS TO INFRASTRUCTURE

We make capital expenditures in order to maintain and 
enhance the safety and integrity of our pipelines, gate 
stations, storage facilities and related assets, to expand the 
reach or capacity of those assets, or improve the efficiency 
of our operations. We expect to make a significant level of 
capital expenditures for additions to utility and gas storage 
infrastructure over the next five years, reflecting continued 
investments in customer growth, technology, and 
distribution system improvements. For the five-year period 
ending in 2019, capital expenditures for the utility are 
estimated to be between $850 and $950 million, including 
the Company's proposed investment in an expansion of our 
Mist gas storage facility. 

In 2015, utility capital expenditures are estimated to be 
between $140 and $150 million, and non-utility capital 
investments are estimated to be less than $10 million. 
Additional spend for gas storage and other investments 
during and after 2015 will depend largely on future decisions 
about potential expansion opportunities in gas storage 
projects. 

For information concerning our executive officers, see Part 
III, Item 10.

AVAILABLE INFORMATION

We file annual, quarterly and special reports and other 
information with the Securities and Exchange Commission 
(SEC). Reports, proxy statements and other information 
filed by us can be read and requested through the SEC by 
mail at U.S. Securities and Exchange Commission, Office of 
FOIA/PA Operations, 100 F Street, N.E., Washington, D.C. 
20549, by facsimile at (202) 772-9337, or online at its 
website (http://www.sec.gov). You can obtain information 
about access to the Public Reference Room and how to 
access or request records by calling the SEC at (202) 
551-8090. The SEC website contains reports, proxy and 
information statements and other information we file 
electronically. In addition, we make available on our website 
(http://www.nwnatural.com), our annual report on Form 10-
K, quarterly reports on Form 10-Q, current reports on Form 
8-K, and amendments to those reports filed or furnished 
pursuant to Section 13(a) or 15(d) and proxy materials filed 
under Section 14 of the Securities Exchange Act of 1934, as 
amended (Exchange Act), as soon as reasonably 
practicable after we electronically file such material with, or 
furnish it to, the SEC. 

We have adopted a Code of Ethics for all employees and 
officers that is available on our website. We intend to 
disclose amendments to, and any waivers from the Code of 
Ethics on our website. Our Corporate Governance 
Standards, Director Independence Standards, charters of 
each of the committees of the Board of Directors and 
additional information about the Company are also available 
at the website. Copies of these documents may be 
requested, at no cost, by writing or calling Shareholder 
Services, NW Natural, One Pacific Square, 220 N.W. 
Second Avenue, Portland, Oregon 97209, telephone 
503-226-4211 ext. 2402.

14

ITEM 1A. RISK FACTORS 

Our business and financial results are subject to a number 
of risks and uncertainties, many of which are not within our 
control. When considering any investment in our securities, 
investors should carefully consider the following information, 
as well as information contained in the caption "Forward-
Looking Statements", Item 7A, and other documents we file 
with the SEC. This list is not exhaustive and the order of 
presentation does not reflect management’s determination 
of priority or likelihood. Additionally, our listing of risk factors 
that primarily affects one of our business segments does not 
indicate that such risk factor is inapplicable to our other 
business segments.

Risks Related to our Business Generally
REGULATORY RISK. Regulation of our businesses, including 
changes in the regulatory environment, failure of regulatory 
authorities to approve rates which provide for timely 
recovery of our costs and an adequate return on invested 
capital, or an unfavorable outcome in regulatory 
proceedings may adversely impact our financial condition 
and results of operations.

The OPUC and WUTC have general regulatory authority 
over our utility business in Oregon and Washington, 
respectively, including the rates charged to customers, 
authorized rates of return on rate base, including ROE, the 
amounts and types of securities we may issue, services we 
provide and the manner in which we provide them, the 
nature of investments we make, actions investors may take 
with respect to our company, and deferral and recovery of 
various expenses, including, but not limited to, pipeline 
replacement, environmental remediation costs, pension 
expense, transactions with affiliated interests, and other 
matters. Similarly, in our gas storage businesses FERC has 
regulatory authority over interstate storage services, the 
CPUC has regulatory authority over our Gill Ranch storage 
operations, and the WUTC and OPUC have regulatory over 
our Mist storage operations.

The prices the OPUC and WUTC allow us to charge for 
retail service, and the maximum FERC-approved rates 
FERC authorizes us to charge for interstate storage and 
related transportation services, are the most significant 
factors affecting our financial position, results of operations 
and liquidity. The OPUC and WUTC have the authority to 
disallow recovery of costs they find imprudently incurred or 
otherwise disallow. For example, in the most recent OPUC 
order issued to the Company regarding implementation of 
our SRRM, the OPUC disallowed from rate recovery 
approximately $15 million of approximately $95 million of 
our total environmental expenditures made from 2003 to 
2012, due to the OPUC's application of a recently 
formulated earnings test. Additionally, the rates allowed by 
the FERC may be insufficient for recovery of costs incurred. 
We expect to continue to make expenditures to expand, 
improve and operate our utility distribution and gas storage 
systems. Regulators can find such expansions or 
improvements of expenditures were not prudently incurred, 
and deny recovery. Additionally, while the OPUC and WUTC 
have established an authorized rate of return for our utility 
through the ratemaking process, the regulatory process 
does not provide assurance that we will be able to achieve 
the earnings level authorized.

15

Moreover, in the normal course of business we may place 
assets in service or incur higher than expected levels of 
operating expense before rate cases can be filed to recover 
those costs—this is commonly referred to as regulatory lag. 
The failure of any regulatory commission to approve 
requested rate increases on a timely basis to recover 
increased costs or to allow an adequate return could 
adversely impact our financial condition and results of 
operations.

In our latest general rate case with the OPUC, various items 
were deferred for future resolution in separate proceedings, 
including recovery of prepaid pension costs, and our 
revenue-sharing arrangement on the utility's interstate 
storage activities. The regulatory proceedings in which 
these issues will be resolved typically involve multiple 
parties, including governmental agencies, consumer 
advocacy groups, and other third parties. Each party has 
differing concerns, but all generally have the common 
objective of limiting amounts included in rates. We cannot 
predict the timing or outcome of these deferred proceedings 
or the effects of those outcomes on our results of operations 
and financial condition.

ENVIRONMENTAL LIABILITY RISK. Certain of our properties 
and facilities may pose environmental risks requiring 
remediation, the costs of which are difficult to estimate and 
which could adversely affect our financial condition, results 
of operations, and cash flows.

We own, or previously owned, properties that require 
environmental remediation or other action. We accrue all 
material loss contingencies relating to these properties. A 
regulatory asset at the utility has already been recorded for 
estimated costs pursuant to a deferral order from the OPUC 
and WUTC. In addition to maintaining regulatory deferrals, 
we settled with most of our historical liability insurers for 
only a portion of the costs we have incurred to date and 
expect to incur in the future. To the extent amounts we 
recovered from insurance are inadequate or we are unable 
to recover these deferred costs in utility customer rates, we 
would be required to reduce our regulatory asset which 
would result in a charge to current year earnings. In 
addition, in our most recent Oregon general rate case, the 
OPUC approved the SRRM, which limits recovery of our 
deferred amounts to those amounts which satisfy an annual 
prudence review and a recently adopted earnings test that 
requires the Company to contribute additional amounts 
toward environmental remediation costs above 
approximately $10 million in years in which the Company 
earns above its authorized Return on Equity (ROE). To the 
extent the Company earns more than its authorized ROE in 
a year, the Company would be required to cover 
environmental expenses greater than the $10 million with 
those earnings that exceed its authorized ROE. These 
ongoing prudence reviews and the earnings test could 
reduce the amounts we are allowed to recover, and could 
adversely affect our financial condition, results of operations 
and cash flows.

In addition, we may have disputes with regulators and other 
parties as to the severity of particular environmental matters 
and what remediation efforts are appropriate. We cannot 
predict with certainty the amount or timing of future 

expenditures related to environmental investigation, 
remediation or other action, or disputes or litigation arising 
in relation thereto. Our liability estimates are based on 
current remediation technology, industry experience gained 
at similar sites, an assessment of the probable level of 
involvement, and financial condition of other potentially 
responsible parties. However, it is difficult to estimate such 
costs due to uncertainties surrounding the course of 
environmental remediation, the preliminary nature of certain 
of our site investigations, and the application of 
environmental laws that impose joint and several liabilities 
on all potentially responsible parties. These uncertainties 
and disputes arising therefrom could lead to further 
adversarial administrative proceedings or litigation, with 
associated costs and uncertain outcomes, all of which could 
adversely affect our financial condition, results of operations 
and cash flows. 

ENVIRONMENTAL REGULATION COMPLIANCE RISK. We are 
subject to environmental regulations for our ongoing 
operations, compliance with which could adversely affect 
our operations or financial results.

We are subject to laws, regulations and other legal 
requirements enacted or adopted by federal, state and local 
governmental authorities relating to protection of the 
environment, including those legal requirements that govern 
discharges of substances into the air and water, the 
management and disposal of hazardous substances and 
waste, groundwater quality and availability, plant and wildlife 
protection, and other aspects of environmental regulation. 
Current and additional environmental regulations could 
result in increased compliance costs or additional operating 
restrictions and could have an adverse effect on our 
financial condition and results of operations, particularly if 
those costs are not fully recoverable from insurance or 
through utility customer rates.

GLOBAL CLIMATE CHANGE RISK. Future legislation to 
address global climate change may expose us to regulatory 
and financial risk. Additionally, our business may be subject 
to physical risks associated with climate change, all of which 
could adversely affect our financial condition, results of 
operations and cash flows.

There are a number of international, federal and state 
legislative and regulatory initiatives being proposed and 
adopted in an attempt to measure, control or limit the effects 
of global warming and overall climate change, including 
greenhouse gas emissions such as carbon dioxide and 
methane. Such current or future legislation or regulation 
could impose on us operational requirements, additional 
charges to fund energy efficiency initiatives, or levy a tax 
based on carbon content. Such initiatives could result in us 
incurring additional costs to comply with the imposed 
restrictions, provide a cost advantage to energy sources 
other than natural gas, reduce demand for natural gas, 
impose costs or restrictions on end users of natural gas, 
impact the prices we charge our customers, impose 
increased costs on us associated with the adoption of new 
infrastructure and technology to respond to such 
requirements, and may impact cultural perception of our 
service or products negatively, diminishing the value of our 
brand, all of which could adversely affect our business 
practices, financial condition and results of operations.

16

Climate change may cause physical risks, including an 
increase in sea level, intensified storms, water scarcity and 
changes in weather conditions, such as changes in 
precipitation, average temperatures and extreme wind or 
other climate conditions. A significant portion of the nation’s 
gas infrastructure is located in areas susceptible to storm 
damage that could be aggravated by wetland and barrier 
island erosion, which could give rise to gas supply 
interruptions and price spikes.

These and other physical changes could result in 
disruptions to natural gas production and transportation 
systems potentially increasing the cost of gas beyond that 
assumed in our PGA and affecting our ability to procure gas 
to meet our customer demand. These changes could also 
affect our distribution systems resulting in increased 
maintenance and capital costs, disruption of service, 
regulatory actions and lower customer satisfaction. 
Additionally, to the extent that climate change adversely 
impacts the economic health or weather conditions of our 
service territory directly, it could adversely impact customer 
demand or our customers' ability to pay. Such physical risks 
could have an adverse effect on our financial condition, 
results of operations, and cash flows.

BUSINESS DEVELOPMENT RISK. Our business development 
projects may encounter unanticipated obstacles, costs, 
changes or delays that could result in a project becoming 
impaired, which could negatively impact our financial 
condition, results of operations and cash flows.

Business development projects involve many risks. We are 
currently engaged in several business development 
projects, including, but not limited to, the early planning and 
development stages for a regional pipeline in Oregon, and a 
potential expansion of our gas storage facility at Mist. We 
may also engage in other business development projects 
such as investment in additional long-term gas reserves or 
CNG refueling stations. These projects may not be 
successful. Additionally, we may not be able to obtain 
required governmental permits and approvals to complete 
our projects in a cost-efficient or timely manner potentially 
resulting in delays or abandonment of the projects. We 
could also experience startup and construction delays, 
construction cost overruns, inability to negotiate acceptable 
agreements such as rights-of-way, easements, construction, 
gas supply or other material contracts, changes in customer 
demand or commitment, public opposition to projects, 
changes in market prices, and operating cost increases. 
Additionally, we may be unable to finance our business 
development projects at acceptable interest rates or within a 
scheduled time frame necessary for completing the project. 
One or more of these events could result in the project 
becoming impaired, and such impairment could have an 
adverse effect on our financial condition and results of 
operations.

JOINT PARTNER RISK. Investing in business development 
projects through partnerships, joint ventures or other 
business arrangements affects our ability to manage certain 
risks and could adversely impact our financial condition, 
results of operations and cash flows.

We use joint ventures and other business arrangements to 
manage and diversify the risks of certain utility and non-

 
utility development projects, including our Trail West 
pipeline, Gill Ranch storage and our gas reserves 
agreements. We may acquire or develop part-ownership 
interests in other similar projects in the future. Under these 
arrangements, we may not be able to fully direct the 
management and policies of the business relationships, and 
other participants in those relationships may take action 
contrary to our interests including making operational 
decisions that could affect our costs and liabilities. In 
addition, other participants may withdraw from the project, 
divest important assets, become financially distressed or 
bankrupt, or have economic or other business interests or 
goals that are inconsistent with ours. 

For example, our gas reserves arrangements, which 
operate as a hedge backed by physical gas supplies, 
involve a number of risks. These risks include gas 
production that is significantly less than the expected 
volumes, or no gas volumes; operating costs that are higher 
than expected; changes in our consolidated tax position or 
tax law that could affect our ability to take, or timing of, 
certain tax benefits that impact the financial outcome of this 
transaction; inherent risks of gas production, including 
disruption to operations or complete shut-in of the field; and 
a participant in one of these business arrangements acting 
contrary to our interests. In addition, while the cost of the 
original gas reserves venture is currently included in 
customer rates, the occurrence of one or more of these 
risks, could affect our ability to recover this hedge in rates.  
Further, our amended gas reserves arrangement has not 
been approved for inclusion in rates, and our regulators may 
ultimately determine to not include all or a portion of that 
transaction in rates. The realization of any of these 
situations could adversely impact the project as well as our 
financial condition, results of operations and cash flows. 

OPERATING RISK. Transporting and storing natural gas 
involves numerous risks that may result in accidents and 
other operating risks and costs, some or all of which may 
not be fully covered by insurance, and which could 
adversely affect our financial condition, results of operations 
and cash flows.

Our operations are subject to all of the risks and hazards 
inherent in the businesses of local gas distribution and 
storage, including:
• 

earthquakes, floods, storms, landslides and other 
adverse weather conditions and hazards;
leaks or other losses of natural gas or other 
hydrocarbons as a result of the malfunction of 
equipment or facilities;
damages from third parties, including construction, farm 
and utility equipment or other surface users;
operator errors;
negative performance by our storage reservoirs that 
could cause us to fail to meet expected or forecasted 
operational levels or contractual commitments to our 
customers;
problems maintaining, or the malfunction of, pipelines, 
wellbores and related equipment and facilities that form 
a part of the infrastructure that is critical to the 
operation of our gas distribution and storage facilities;
collapse of underground storage caverns;

• 

• 

• 
• 

• 

• 

• 

•  migration of natural gas through faults in the rock or to 
some area of the reservoir where existing wells cannot 
drain the gas effectively resulting in loss of the gas;
blowouts (uncontrolled escapes of gas from a pipeline 
or well) or other accidents, fires and explosions; and
risks and hazards inherent in the drilling operations 
associated with the development of the gas storage 
facilities and/or wells.

• 

These risks could result in personal injury or loss of human 
life, damage to and destruction of property and equipment, 
pollution or other environmental damage, breaches of our 
contractual commitments, and may result in curtailment or 
suspension of our operations, which in turn could lead to 
significant costs and lost revenues. Further, because our 
pipeline, storage and distribution facilities are in or near 
populated areas, including residential areas, commercial 
business centers, and industrial sites, any loss of human life 
or adverse financial outcome resulting from such events 
could be significant. Additionally, we may not be able to 
obtain the level or types of insurance we desire, and the 
insurance coverage we do obtain may contain large 
deductibles or fail to cover certain hazards or cover all 
potential losses. The occurrence of any operating risks not 
covered by insurance could adversely affect our financial 
condition, results of operations and cash flows.

BUSINESS CONTINUITY RISK. We may be adversely 
impacted by local or national disasters, pandemic illness, 
terrorist activities, including cyber attacks, and other 
extreme events to which we may not able to promptly 
respond.

Local or national disasters, pandemic illness, terrorist 
activities, including cyber attacks, and other extreme events 
are a threat to our assets and operations. Companies in our 
industry may face a heightened risk due to exposure to acts 
of terrorism, including physical and security breaches of our 
information technology infrastructure in the form of cyber 
attacks. These attacks could target or impact our technology 
or mechanical systems that operate our natural gas 
distribution, transmission or storage facilities and result in a 
disruption in our operations, damage to our system and 
inability to meet customer requirements. In addition, the 
threat of terrorist activities could lead to increased economic 
instability and volatility in the price of natural gas that could 
affect our operations. Threatened or actual national 
disasters or terrorist activities may also disrupt capital 
markets and our ability to raise capital, or impact our 
suppliers or our customers directly. Local disaster or 
pandemic illness could result in part of our workforce being 
unable to operate or maintain our infrastructure or perform 
other tasks necessary to conduct our business. A slow or 
inadequate response to events may have an adverse 
impact on operations and earnings. We may not be able to 
obtain sufficient insurance to cover all risks associated with 
local and national disasters, pandemic illness, terrorist 
activities and other events. Additionally, large scale natural 
disasters or terrorist attacks could destabilize the insurance 
industry making insurance we do have unavailable, which 
could increase the risk that an event could adversely affect 
our operations or financial results.

17

EMPLOYEE BENEFIT RISK. The cost of providing pension 
and postretirement healthcare benefits is subject to changes 
in pension assets and liabilities, changing employee 
demographics and changing actuarial assumptions, which 
may have an adverse effect on our financial condition, 
results of operations and cash flows.

Until we closed the plans to new hires, which for non-union 
employees was in 2006 and for union employees was in 
2009, we provided pension plans and postretirement 
healthcare benefits to eligible full-time utility employees and 
retirees. Most of our current utility employees were hired 
prior to these dates, and therefore remain eligible for these 
plans. Our cost of providing such benefits is subject to 
changes in the market value of our pension assets, changes 
in employee demographics including longer life 
expectancies, increases in healthcare costs, current and 
future legislative changes, and various actuarial calculations 
and assumptions. The actuarial assumptions used to 
calculate our future pension and postretirement healthcare 
expense may differ materially from actual results due to 
significant market fluctuations and changing withdrawal 
rates, wage rates, interest rates and other factors. These 
differences may result in an adverse impact on the amount 
of pension contributions, pension expense or other 
postretirement benefit costs recorded in future periods. 
Sustained declines in equity markets and reductions in bond 
rates may have a material adverse effect on the value of our 
pension fund assets and liabilities. In these circumstances, 
we may be required to recognize increased contributions 
and pension expense earlier than we had planned to the 
extent that the value of pension assets is less than the total 
anticipated liability under the plans, which could have a 
negative impact on financial condition, results of operations 
and cash flows.

WORKFORCE RISK. Our business is heavily dependent on 
being able to attract and retain qualified employees and 
maintain a competitive cost structure with market-based 
salaries and employee benefits, and workforce disruptions 
could adversely affect our operations and results.

Our ability to implement our business strategy and serve our 
customers is dependent upon our continuing ability to attract 
and retain talented professionals and a technically skilled 
workforce, and being able to transfer the knowledge and 
expertise of our workforce to new employees as our largely 
older workforce retires. We expect that a significant portion 
of our workforce will retire within the current decade, which 
will required that we attract, train and retain skilled workers 
to prevent loss of institutional knowledge or skills gap.  
Without an appropriately skilled workforce, our ability to 
provide quality service and meet our regulatory 
requirements will be challenged and this could negatively 
impact our earnings. Additionally, within our utility segment a 
majority of our workers are represented by the OPEIU Local 
No.11 AFL-CIO (the Union), and are covered by a collective 
bargaining agreement that extends to November 30, 2019. 
Disputes with the Union over terms and conditions of the 
agreement could result in instability in our labor relationship 
and work stoppages that could impact the timely delivery of 
gas and other services from our utility and Mist gas storage, 
which could strain relationships with customers and state 
regulators and cause a loss of revenues. Our collective 
bargaining agreement may also limit our flexibility in dealing 

18

with our workforce, and our ability to change work rules and 
practices and implement other efficiency-related 
improvements to successfully compete in today’s 
challenging marketplace, which may negatively affect our 
financial condition and results of operations.

LEGISLATIVE, COMPLIANCE AND TAXING AUTHORITY RISK. 
We are subject to governmental regulation, and compliance 
with local, state and federal requirements, including taxing 
requirements, and unforeseen changes in or interpretations 
of such requirements could affect our financial condition and 
results of operations.

We are subject to regulation by federal, state and local 
governmental authorities. We are required to comply with a 
variety of laws and regulations and to obtain authorizations, 
permits, approvals and certificates from governmental 
agencies in various aspects of our business. We cannot 
predict with certainty the impact of any future revisions or 
changes in interpretations of existing regulations or the 
adoption of new laws and regulations applicable to them. 
Additionally, any failure to comply with existing or new laws 
and regulations could result in fines, penalties or injunctive 
measures that could affect operating assets. For example, 
under the Energy Policy Act of 2005, the FERC has civil 
authority under the Natural Gas Act to impose penalties for 
current violations of up to $1 million per day for each 
violation. In addition, as the regulatory environment for our 
industry increases in complexity, the risk of inadvertent 
noncompliance may also increase. Changes in regulations, 
the imposition of additional regulations, and the failure to 
comply with laws and regulations could negatively influence 
our operating environment and results of operations. 

Additionally, changes in federal, state or local tax laws and 
their related regulations, or differing interpretation or 
enforcement of applicable law by a federal, state or local 
taxing authority, could result in substantial cost to us and 
negatively affect our results of operations. Tax law and its 
related regulations and case law are inherently complex and 
dynamic. Disputes over interpretations of tax laws may be 
settled with the taxing authority in examination, upon appeal 
or through litigation. Our judgments may include reserves 
for potential adverse outcomes regarding tax positions that 
have been taken that may be subject to challenge by taxing 
authorities. Changes in laws, regulations or adverse 
judgments may negatively affect our financial condition and 
results of operations.

SAFETY REGULATION RISK. We may experience increased 
federal, state and local regulation of the safety of our 
systems and operations, which could adversely affect our 
operating costs and financial results.

The safety and protection of the public, our customers and 
our employees is and will remain our top priority. We are 
committed to consistently monitoring and maintaining our 
distribution system and storage operations to ensure that 
natural gas is acquired, stored and delivered safely, reliably 
and efficiently. Given recent high-profile natural gas 
explosions and accidents in other parts of the country, we 
anticipate that the natural gas industry may be the subject of 
even greater federal, state and local regulatory oversight. 
We intend to work diligently with industry associations and 
federal and state regulators to ensure compliance with the 

new laws. We expect there to be increased costs 
associated with compliance, and those costs could be 
significant. If these costs are not recoverable in our 
customer rates, they could have a negative impact on our 
operating costs and financial results.

HEDGING RISK. Our risk management policies and hedging 
activities cannot eliminate the risk of commodity price 
movements and other financial market risks, and our 
hedging activities may expose us to additional liabilities for 
which rate recovery may be disallowed, which could result 
in an adverse impact on our operating revenues, costs, 
derivative assets and liabilities and operating cash flows.

Our gas purchasing requirements expose us to risks of 
commodity price movements, while our use of debt and 
equity financing exposes us to interest rate, liquidity and 
other financial market risks. In our Utility segment, we 
attempt to manage these exposures with both financial and 
physical hedging mechanisms, including our gas reserves 
transactions which are hedges backed by physical gas 
supplies. While we have risk management procedures for 
hedging in place, they may not always work as planned and 
cannot entirely eliminate the risks associated with hedging. 
Additionally, our hedging activities may cause us to incur 
additional expenses to obtain the hedge. We do not hedge 
our entire interest rate or commodity cost exposure, and the 
unhedged exposure will vary over time. Gains or losses 
experienced through hedging activities, including carrying 
costs, generally flow through the PGA mechanism or are 
recovered in future general rate cases. However, the hedge 
transactions we enter into for the utility are subject to a 
prudence review by the OPUC and WUTC, and, if found 
imprudent, those expenses may be, and have been 
previously, disallowed, which could have an adverse effect 
on our financial condition and results of operations. 

In addition, our actual business requirements and available 
resources may vary from forecasts, which are used as the 
basis for our hedging decisions, and could cause our 
exposure to be more or less than we anticipated. Moreover, 
if our derivative instruments and hedging transactions do 
not qualify for hedge accounting under generally accepted 
accounting standards, our hedges may not be effective and 
our results of operations and financial condition could be 
adversely affected.

We also have credit-related exposure to derivative 
counterparties. In general, we require our counterparties to 
have an investment-grade credit rating at the time the 
derivative instrument is entered into, and we specify limits 
on the contract amount and duration based on each 
counterparty’s credit rating. Nevertheless, counterparties 
owing us money or physical natural gas commodities could 
breach their obligations. Should the counterparties to these 
arrangements fail to perform, we may be forced to enter into 
alternative arrangements to meet our normal business 
requirements. In that event, our financial results could be 
adversely affected. Additionally, under most of our hedging 
arrangements, any downgrade of our senior unsecured 
long-term debt credit rating could allow our counterparties to 
require us to post cash, a letter of credit or other form of 
collateral, which would expose us to additional costs and 
may trigger significant increases in borrowing from our 
credit facilities if the credit rating downgrade is below 

19

investment grade. Further, based on current interpretations, 
we are not considered a "swap dealer" or "major swap 
participant" in 2014, so we are exempt from certain 
requirements under the Dodd-Frank Act. If we are unable to 
claim this exemption, we could be subject to higher costs for 
our derivatives activities. 

INABILITY TO ACCESS CAPITAL MARKET RISK. Our inability 
to access capital, or significant increases in the cost of 
capital, could adversely affect our financial condition and 
results of operations.

Our ability to obtain adequate and cost effective short-term 
and long-term financing depends on maintaining investment 
grade credit ratings as well as the existence of liquid and 
stable financial markets. Our businesses rely on access to 
capital markets, including commercial paper, bond and 
equity markets, to finance our operations, construction 
expenditures and other business requirements, and to 
refund maturing debt that cannot be funded entirely by 
internal cash flows. Disruptions in capital markets could 
adversely affect our ability to access short-term and long-
term financing. Our access to funds under committed short-
term credit facilities, which are currently provided by a 
number of banks, is dependent on the ability of the 
participating banks to meet their funding commitments. 
Those banks may not be able to meet their funding 
commitments if they experience shortages of capital and 
liquidity. Disruptions in the bank or capital financing markets 
as a result of economic uncertainty, changing or increased 
regulation of the financial sector, or failure of major financial 
institutions could adversely affect our access to capital and 
negatively impact our ability to run our business and make 
strategic investments.

A negative change in our current credit ratings, particularly 
below investment grade, could adversely affect our cost of 
borrowing and access to sources of liquidity and capital. 
Such a downgrade could further limit our access to 
borrowing under available credit lines. Additionally, 
downgrades in our current credit ratings below investment 
grade could cause additional delays in accessing the capital 
markets by the utility while we seek supplemental state 
regulatory approval, which could hamper our ability to 
access credit markets on a timely basis. A credit downgrade 
could also require additional support in the form of letters of 
credit, cash or other forms of collateral and otherwise 
adversely affect our financial condition and results of 
operations.

Risks Related Primarily to Our Local Utility Business
GAS PRICE RISK. Higher natural gas commodity prices and 
volatility in the price of gas may adversely affect our results 
of operations and cash flows.

The cost of natural gas is affected by a variety of factors, 
including weather, changes in demand, the level of 
production and availability of natural gas supplies, 
transportation constraints, availability and cost of pipeline 
capacity, federal and state energy and environmental 
regulation and legislation, natural disasters and other 
catastrophic events, national and worldwide economic and 
political conditions, and the price and availability of 
alternative fuels. In our utility segment, the cost we pay for 
natural gas is generally passed through to our customers 

 
through an annual PGA rate adjustment. If gas prices were 
to increase significantly, it would raise the cost of energy to 
our utility customers, potentially causing those customers to 
conserve or switch to alternate sources of energy. 
Significant price increases could also cause new home 
builders and commercial developers to select alternative 
fuel sources. Decreases in the volume of gas we sell could 
reduce our earnings, and a decline in customers could slow 
growth in our future earnings. Additionally, because a 
portion of any 10% or 20% difference between the 
estimated average PGA gas cost in rates and the actual 
average gas cost incurred is recognized as current income 
or expense, higher average gas costs than those assumed 
in setting rates can adversely affect our operating cash 
flows, liquidity and results of operations. Additionally, 
notwithstanding our current rate structure, higher gas costs 
could result in increased pressure on the OPUC or the 
WUTC to seek other means to reduce rates, which also 
could adversely affect our results of operations and cash 
flows.

Higher gas prices may also cause us to experience an 
increase in short-term debt and temporarily reduce liquidity 
because we pay suppliers for gas when it is purchased, 
which can be in advance of when these costs are recovered 
through rates. Significant increases in the price of gas can 
also slow our collection efforts as customers experience 
increased difficulty in paying their higher energy bills, 
leading to higher than normal delinquent accounts 
receivable resulting in greater expense associated with 
collection efforts and increased bad debt expense.

CUSTOMER GROWTH RISK. Our utility margin, earnings and 
cash flow may be negatively affected if we are unable to 
sustain customer growth rates in our local gas distribution 
segment.

Our utility margins and earnings growth have largely 
depended upon the sustained growth of our residential and 
commercial customer base due, in part, to the new 
construction housing market, conversions of customers to 
natural gas from other fuel sources and growing commercial 
use of natural gas. Insufficient growth in these markets, for 
economic, political or other reasons could result in an 
adverse long-term impact on our utility margin, earnings and 
cash flows.

RISK OF COMPETITION. Our gas distribution business is 
subject to increased competition which could negatively 
affect our results of operations.

In the residential and commercial markets, our gas 
distribution business competes primarily with suppliers of 
electricity, fuel oil, propane, and renewable energy. In the 
industrial market, we compete with suppliers of all forms of 
energy. Competition among these forms of energy is based 
on price, efficiency, reliability, performance, market 
conditions, technology, environmental impacts and public 
perception.

Technological improvements in other energy sources such 
as heat pumps could also erode our competitive advantage. 
If natural gas prices rise relative to other energy sources, or 
if the cost, environmental impact or public perception of 
such other energy sources improves relative to natural gas, 

20

it may negatively affect our ability to attract new customers 
or retain our existing residential, commercial and industrial 
customers, which could have a negative impact on our 
customer growth rate and results of operations.

RELIANCE ON THIRD PARTIES TO SUPPLY NATURAL GAS 
RISK. We rely on third parties to supply the natural gas in 
our distribution segment, and limitations on our ability to 
obtain supplies, or failure to receive expected supplies for 
which we have contracted, could have an adverse impact 
on our financial results.

Our ability to secure natural gas for current and future sales 
depends upon our ability to purchase and receive delivery of 
supplies of natural gas from third parties. We, and in some 
cases, our suppliers of natural gas do not have control over 
the availability of natural gas supplies, competition for those 
supplies, disruptions in those supplies, priority allocations 
on transmission pipelines, or pricing of those supplies. 
Additionally, third parties on whom we rely may fail to deliver 
gas for which we have contracted. If we are unable to 
obtain, or are limited in our ability to obtain, natural gas from 
our current suppliers or new sources, we may not be able to 
meet our customers' gas requirements and would likely 
incur costs associated with actions necessary to mitigate 
services disruptions, both of which could significantly and 
negatively impact our results of operations.

SINGLE TRANSPORTATION PIPELINE RISK. We rely on a 
single pipeline company for the transportation of gas to our 
service territory, a disruption of which could adversely 
impact our ability to meet our customers’ gas requirements.

Our distribution system is directly connected to a single 
interstate pipeline, which is owned and operated by 
Northwest Pipeline. The pipeline’s gas flows are bi-
directional, transporting gas into the Portland metropolitan 
market from two directions: (1) the north, which brings 
supplies from the British Columbia and Alberta supply 
basins; and (2) the east, which brings supplies from the 
Alberta and the U.S. Rocky Mountain supply basins. If there 
is a rupture or inadequate capacity in the pipeline, we may 
not be able to meet our customers’ gas requirements and 
we would likely incur costs associated with actions 
necessary to mitigate service disruptions, both of which 
could significantly and negatively impact our results of 
operations.

WEATHER RISK. Warmer than average weather may have a 
negative impact on our revenues and results of operations.

We are exposed to weather risk primarily in our utility 
segment. A majority of our volume is driven by gas sales to 
space heating residential and commercial customers during 
the winter heating season. Current utility rates are based on 
an assumption of average weather. Warmer than average 
weather typically results in lower gas sales. Colder weather 
typically results in higher gas sales. Although the effects of 
warmer or colder weather on utility margin in Oregon are 
expected to be mitigated through the operation of our 
weather normalization mechanism, weather variations from 
normal could adversely affect utility margin because we may 
be required to purchase more or less gas at spot rates, 
which may be higher or lower than the rates assumed in our 
PGA. Also, a portion of our Oregon residential and 

commercial customers (usually less than 10%) have opted 
out of the weather normalization mechanism, and 11% of 
our customers are located in Washington where we do not 
have a weather normalization mechanism. These effects 
could have an adverse effect on our financial condition, 
results of operations and cash flows.

CUSTOMER CONSERVATION RISK. Customers’ conservation 
efforts may have a negative impact on our revenues.

An increasing national focus on energy conservation, 
including improved building practices and appliance 
efficiencies may result in increased energy conservation by 
customers. This can decrease our sales of natural gas and 
adversely affect our results of operations because revenues 
are collected mostly through volumetric rates, based on the 
amount of gas sold. In Oregon, we have a conservation 
tariff which is designed to recover lost utility margin due to 
declines in residential and small commercial customers’ 
consumption. However, we do not have a conservation tariff 
in Washington that provides us this margin protection on 
sales to customers in that state.

RELIANCE ON TECHNOLOGY RISK. Our efforts to integrate, 
consolidate and streamline our operations have resulted in 
increased reliance on technology, the failure or security 
breach of which could adversely affect our financial 
condition and results of operations.

Over the last several years we have undertaken a variety of 
initiatives to integrate, standardize, centralize and 
streamline our operations. These efforts have resulted in 
greater reliance on technological tools such as: an 
enterprise resource planning system, an automated 
dispatch system, an automated meter reading system, a 
customer information system, a web-based ordering and 
tracking system, and other similar technological tools and 
initiatives. The failure of any of these or other similarly 
important technologies, or our inability to have these 
technologies supported, updated, expanded or integrated 
into other technologies, could adversely impact our 
operations. We take precautions to protect our systems, but 
there is no guarantee that the procedures we have 
implemented to protect against unauthorized access to 
secured data and systems are adequate to safeguard 
against all security breaches. Our utility could experience 
breaches of security pertaining to sensitive customer, 
employee and vendor information maintained by the utility in 
the normal course of business which could adversely affect 
the utility’s reputation, diminish customer confidence, disrupt 
operations, materially increase the costs we incur to protect 
against these risks, and subject us to possible financial 
liability or increased regulation or litigation, any of which 
could adversely affect our financial condition and results of 
operations.

Furthermore, we rely on information technology systems in 
our operations of our distribution and storage operations. 
There are various risks associated with these systems, 
including, hardware and software failure, communications 
failure, data distortion or destruction, unauthorized access 
to data, misuse of proprietary or confidential data, 
unauthorized control through electronic means, 
programming mistakes and other inadvertent errors or 
deliberate human acts. In particular, cyber security attacks, 

21

terrorism or other malicious acts could damage, destroy or 
disrupt all of our business systems. Any failure of 
information technology systems could result in a loss of 
operating revenues, an increase in operating expenses and 
costs to repair or replace damaged assets. As these 
potential cyber security attacks become more common and 
sophisticated, we could be required to incur costs to 
strengthen our systems or obtain specific insurance 
coverage against potential losses.

Risks Related Primarily to Our Gas Storage 
Businesses
LONG-TERM LOW OR STABILIZATION OF GAS PRICE RISK. 
Any significant stabilization of natural gas prices or long-
term low gas prices could have a negative impact on the 
demand for our natural gas storage services, which could 
adversely affect our financial results.

Storage businesses benefit from price volatility, which 
impacts the level of demand for services and the rates that 
can be charged for storage services. On a system-wide 
basis, natural gas is typically injected into storage between 
April and October when natural gas prices are generally 
lower and withdrawn during the winter months of November 
through March when natural gas prices are typically higher. 
Largely due to the abundant supply of natural gas made 
available by hydraulic fracturing techniques, natural gas 
prices have dropped significantly to levels that are near 
historic lows. If prices and volatility remain low or decline 
further, then the demand for storage services, and the 
prices that we will be able to charge for those services, may 
decline or be depressed for a prolonged period of time. 
Prices below the costs to operate the storage facility could 
result in a decision to shut in all or a portion of the facility. A 
sustained decline in these prices or a shut-in of all or a 
portion of the facility could have an adverse impact on our 
financial condition, results of operations and cash flows.

NATURAL GAS STORAGE COMPETITION RISK. Increasing 
competition in the natural gas storage business could 
reduce the demand for our storage services and drive prices 
down for storage, which could adversely affect our financial 
condition, results of operation and cash flows.

Our natural gas storage segment competes primarily with 
other storage facilities and pipelines. Natural gas storage is 
an increasingly competitive business, with the ability to 
expand or build new storage capacity in California, the U.S. 
Rocky Mountains and elsewhere in the United States and 
Canada. Increased competition in the natural gas storage 
business could reduce the demand for our natural gas 
storage services, drive prices down for our storage 
business, and adversely affect our ability to renew or 
replace existing contracts at rates sufficient to maintain 
current revenues and cash flows, which could adversely 
affect our financial condition, results of operations and cash 
flows.

THIRD-PARTY PIPELINE RISK. Our gas storage businesses 
depend on third-party pipelines that connect our storage 
facilities to interstate pipelines, the failure or unavailability of 
which could adversely affect our financial condition, results 
of operations and cash flows.

Our gas storage facilities are reliant on the continued 
operation of a third-party pipeline and other facilities that 
provide delivery options to and from our storage facilities. 
Because we do not own all of these pipelines, their 
operation is not within our control. If the third-party pipeline 
to which we are connected were to become unavailable for 
current or future withdrawals or injections of natural gas due 
to repairs, damage to the infrastructure, lack of capacity or 
other reason, our ability to operate efficiently and satisfy our 
customers’ needs could be compromised, thereby 
potentially could have an adverse impact on our financial 
condition, results of operations and cash flows.

OPERATIONS AT STORAGE FACILITY RISK. Operations at our 
Mist and Gill Ranch storage facilities involve numerous 
operational risks that may result in a failure to meet 
expectations or contractual obligations, additional or 
unexpected costs and other business risks that could 
adversely impact our financial condition, results of 
operations and cash flows.

Operations at a storage facility involve many risks. If we fail 
to inject or withdraw natural gas at the levels we expect or 
at contracted rates, or cannot deliver natural gas consistent 
with our expectations or contractual specifications, or 
otherwise operate as expected, or if operating costs are 
substantially higher than we expect or if we fail to control 
those costs, we may not be able to contract for storage at 
the levels and on the terms we expect, and we could incur 
higher than expected costs to satisfy our contractual 
obligations under contracts we obtain, and this could 
adversely impact our financial condition, results of 
operations and cash flows. 

ITEM 1B. UNRESOLVED STAFF COMMENTS

We have no unresolved comments.

ITEM 2. PROPERTIES

Utility Properties
Our natural gas pipeline system consists of approximately 
14,000 miles of distribution and transmission mains located 
in our service territory in Oregon and Washington. In 
addition, the pipeline system includes service pipelines, 
meters and regulators, and gas regulating and metering 
stations. Pipeline mains are located in municipal streets or 
alleys pursuant to franchise or occupation ordinances, in 
county roads or state highways pursuant to agreements or 
permits granted pursuant to statute, or on lands of others 
pursuant to easements obtained from the owners of such 
lands. We also hold permits for the crossing of numerous 
navigable waterways and smaller tributaries throughout our 
entire service territory.

We own service building facilities in Portland, as well as 
various satellite service centers, garages, warehouses, and 
other buildings necessary and useful in the conduct of our 
business. We also lease office space in Portland for our 
corporate headquarters, which expires on May 31, 2020. 
Resource centers are maintained on owned or leased 
premises at convenient points in the distribution system to 
provide service within our utility service territory. We also 
own LNG storage facilities in Portland and near Newport, 
Oregon.

In order to reduce risks associated with gas leakage in older 
parts of our system, we undertook accelerated pipe 
replacement programs under which we removed and 
replaced 100% of our cast iron mains by the end of 2000, 
and under which we expect to eliminate all remaining bare 
steel mains and services by the end of 2015.

Gas Storage Properties 
We hold leases and other property interests in 
approximately 12,000 net acres of underground natural gas 
storage in Oregon and approximately 5,000 net acres of 
underground natural gas storage in California, and 
easements and other property interests related to pipelines 
associated with those facilities. We own rights to depleted 
gas reservoirs near Mist, Oregon, that are continuing to be 
developed and operated as underground gas storage 
facilities. We also hold an option to purchase future storage 
rights in certain other areas of the Mist gas field in Oregon, 
as well as in California related to the Gill Ranch storage 
project.

We consider all of our properties currently used in our 
operations, both owned and leased, to be well maintained, 
in good operating condition, and, along with planned 
additions, adequate for our present and foreseeable future 
needs.

Our Mortgage and Deed of Trust (Mortgage) is a first 
mortgage lien on substantially all of the property constituting 
our utility plant.

ITEM 3. LEGAL PROCEEDINGS 

Other than the proceedings disclosed in Note 15, we have 
only nonmaterial litigation in the ordinary course of 
business.

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

22

 
  
  
 
 
  
PART II

ITEM 5. MARKET FOR THE REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS 
AND ISSUER PURCHASES OF EQUITY SECURITIES

Our common stock is listed and trades on the New York Stock Exchange under the symbol NWN.

The high and low trades for our common stock during the past two years were as follows:

Quarter Ended

March 31

June 30

September 30

December 31

2014

2013

High

Low

High

Low

$

44.09

$

40.05

$

46.55

$

47.32

47.50

52.57

43.06

41.81

42.29

45.89

45.15

44.35

43.40

41.17

39.96

40.75

The closing price for our common stock on December 31, 2014 and 2013 were $49.90 and $42.82, respectively. 

As of February 20, 2015, there were 5,929 holders of record of our common stock.

We have paid quarterly dividends on our common stock in each year since the stock first was issued to the public in 1951. 
Annual common dividend payments per share, adjusted for stock splits, have increased each year since 1956. Dividends per 
share paid during the past two years were as follows:

Payment Date

February 15

May 15

August 15

November 15

Total per share

2014

2013

$

$

0.460

$

0.460

0.460

0.465

1.845

$

0.455

0.455

0.455

0.460

1.825

The declaration and amount of future dividends depend upon our earnings, cash flows, financial condition, and other factors. 
The amount and timing of dividends payable on our common stock are within the sole discretion of our Board of Directors. 
Subject to Board approval, we expect to continue paying cash dividends on our common stock on a quarterly basis. 

The following table provides information about purchases of our equity securities that are registered pursuant to Section 12 of 
the Securities Exchange Act of 1934 during the quarter ended December 31, 2014:

Period

Balance forward

10/01/14-10/31/14

11/01/14-11/30/14

12/01/14-12/31/14

Issuer Purchases of Equity Securities

Total Number
of Shares Purchased(1)

Average
Price Paid per Share

Total Number of Shares
Purchased as Part of
Publicly Announced 
Plans or Programs(2)

Maximum Dollar Value of
Shares that May Yet Be
Purchased Under the 
Plans or Programs(2)

2,124,528

$

16,732,648

— $

4,233

211

—

46.22

47.32

—

—

—

—

—

—

Total
(1)  During the quarter ended December 31, 2014, 4,444 shares of our common stock were purchased on the open market to meet the 

2,124,528

46.28

4,444

$

$

16,732,648

requirements of our share-based programs. During the quarter ended December 31, 2014, no shares of our common stock were accepted 
as payment for stock option exercises pursuant to our Restated Stock Option Plan.

(2)  We have a common stock share repurchase program under which we purchase shares on the open market or through privately negotiated 
transactions. We currently have Board authorization through May 31, 2015 to repurchase up to an aggregate of 2.8 million shares or up to 
an aggregate of $100 million. During the quarter ended December 31, 2014, no shares of our common stock were repurchased pursuant to 
this program. Since the program’s inception in 2000, we have repurchased approximately 2.1 million shares of common stock at a total cost 
of approximately $83.3 million.

23

 
  
 
 
 
ITEM 6. SELECTED FINANCIAL DATA

In thousands, except share data

2014

2013

2012

2011

2010

Operating revenues

Net income

$

754,037

$

758,518

$

730,607

$

828,055

$

792,115

58,692

60,538

58,779

63,044

72,013

For the year ended December 31,

Earnings per share of common stock:

Basic

Diluted

Dividends paid per share of common stock

$

2.16

$

2.24

$

2.19

$

2.36

$

2.16

1.85

2.24

1.83

2.18

1.79

2.36

1.75

2.71

2.70

1.68

Total assets, end of period

$

3,064,945

$

2,970,911

$

2,813,120

$

2,742,718

$

2,614,172

Total equity

Long-term debt

767,321

621,700

751,872

681,700

729,627

691,700

712,158

641,700

691,625

591,700

24

 
 
 
 
 
EXECUTIVE SUMMARY

Our 2014 performance reflects the execution of our long-
term business strategy and advancement of our initiatives. 
Highlights for the year include:
• 

increased the annual customer growth rate in core 
utility for the third year in a row from 0.8% to 1.4% at 
December 31, 2014; 
invested $120.1 million in our system and facilities 
including $30.4 million on SIP, allowing us to approach 
the completion of our bare steel replacement, and 
announced a proposed gas storage expansion at Mist;
received proceeds from environmental insurance 
settlements, bringing total insurance recoveries to $103 
million in 2014 and over $150 million cumulatively;
launched a new online tool for customers and trade 
allies that enables online ordering of services, tracking 
progress of orders, and managing multiple projects;
ranked first in residential customer satisfaction for large 
gas utilities in the West in the 2014 J.D. Power and 
Associates Study, making 2014 the 13th consecutive 
year of top three rankings; and
increased the dividend, marking the 59th consecutive 
year of increases.

• 

• 

• 

• 

• 

We manage our business and strategic initiatives with a 
long-term view on providing natural gas service safely and 
reliably to customers, working with regulators on key policy 
initiatives, and remaining focused on growing our business. 
See "2015 Outlook" below for more information. 

Key financial highlights include:

In millions, except per
share data
Consolidated net income

Consolidated EPS

Utility margin

2014

2013

2012

$

58.7

$

60.5

$

2.16

366.1

2.24

353.9

58.8

2.18

344.5

Net income and EPS for 2014 reflected the following:
• 

utility net income increased $3.7 million on utility margin 
growth of $12.2 million primarily due to customer 
growth and rate-base returns on gas reserves and 
other investments; and
gas storage net income declined $5.9 million primarily 
due to lower operating revenues from re-contracting 
certain expiring capacity at lower prices for the 2014-15 
gas storage year.

• 

See "Consolidated Earnings and Dividends" below for 
additional detail.

ITEM 7. MANAGEMENT'S DISCUSSION AND 
ANALYSIS OF FINANCIAL CONDITION AND 
RESULTS OF OPERATIONS

The following is management’s assessment of Northwest 
Natural Gas Company’s (NW Natural or the Company) 
financial condition, including the principal factors that affect 
results of operations. The discussion refers to our 
consolidated results for the years ended December 31, 
2014, 2013, and 2012. References in this discussion to 
"Notes" are the Notes to Consolidated Financial Statements 
in Item 8 of this report.

The consolidated financial statements include NW Natural 
and its direct and indirect wholly-owned subsidiaries 
including: 
•  NW Natural Energy, LLC (NWN Energy), 
•  NW Natural Gas Storage, LLC (NWN Gas Storage),
•  Gill Ranch Storage, LLC (Gill Ranch), 
•  NNG Financial Corporation (NNG Financial),
•  Northwest Energy Corporation (Energy Corp), and
•  NW Natural Gas Reserves, LLC (NWN Gas Reserves).

We operate in two primary reportable business segments: 
local gas distribution and gas storage. We also have other 
investments and business activities not specifically related 
to one of these two reporting segments, which we 
aggregate and report as other. We refer to our local gas 
distribution business as the utility, and our gas storage 
segment and other as non-utility. Our utility segment 
includes our NW Natural local gas distribution business, 
NWN Gas Reserves, which is a wholly-owned subsidiary of 
Energy Corp, and the utility portion of our Mist underground 
storage facility in Oregon (Mist). Our gas storage segment 
includes NWN Gas Storage, which is a wholly-owned 
subsidiary of NWN Energy, Gill Ranch, which is a wholly-
owned subsidiary of NWN Gas Storage, the non-utility 
portion of Mist, and asset management services. Other 
includes NWN Energy's equity investment in Trail West 
Holding, LLC (TWH), which is pursuing the development of 
a proposed natural gas pipeline through its wholly-owned 
subsidiary, Trail West Pipeline, LLC (TWP), and NNG 
Financial's equity investment in Kelso-Beaver Pipeline (KB 
Pipeline). For a further discussion of our business segments 
and other, see Note 4.

In addition to presenting results of operations and earnings 
amounts in total, certain financial measures are expressed 
in cents per share, which are non-GAAP financial 
measures. These amounts reflect factors that directly 
impact earnings, including income taxes. All references in 
this section to earnings per share (EPS) are on the basis of 
diluted shares. We use such non-GAAP measures in 
analyzing our financial performance because we believe 
they provide useful information to our investors and 
creditors in evaluating our financial condition and results of 
operations.

25

 
  
2015 OUTLOOK

Our near-term outlook and long-term strategic goals for the business are aligned with delivering gas safely and reliably to our 
customers, investing for profitable growth in our core gas distribution and gas storage businesses, and creating new ideas to 
drive growth opportunities. Our 2015 strategy leverages our resources and our history of innovative solutions to continue 
meeting the needs of customers, regulators, and shareholders. We consider the following goals critical in achieving these long-
term goals:   

Deliver Gas

Ensure Safety and Reliability

Grow Our Businesses

Grow Utility Customers

Advance Regulatory Policies and Initiatives

Pursue Strategic Utility Investments

Promote Sustainable Energy Policies

Develop Non-utility Growth Initiatives

SAFETY AND RELIABILITY. Delivering natural gas safely and 
reliably to customers and providing employees with a safe 
work environment are our top priorities. During 2015, we will 
continue to ensure our pipeline system and facilities are well 
maintained, new facility improvements are planned and well 
executed, and business continuity requirements are met. In 
addition, the removal of all bare steel pipe from our system 
is set to be achieved by the end of 2015. 

In 2014 we filed our IRP with the OPUC and WUTC, 
identifying investments needed to ensure our system will 
continue meeting customer demands. In February 2015, the 
OPUC acknowledged the IRP. We will continue working on 
key infrastructure investments for high-growth areas of our 
service territory and plan for necessary maintenance of our 
utility and storage facilities. 

REGULATION. Constructive regulation supports customers 
receiving quality service at a reasonable cost and the 
company receiving timely cost recovery and earning a 
reasonable return on shareholder investments. During 2015, 
we will implement our new Site Remediation and Recovery 
Mechanism (SRRM). This mechanism reflects the deep, 
shared commitment of the Company and its customers to 
the environment. In addition, we continue to work with 
regulators on environmental sustainability projects such as 
new carbon solution incentive rate mechanisms. 

ENERGY POLICIES. The Pacific Northwest is committed to 
energy conservation, environmental sustainability, and 
reducing carbon emissions. Natural gas is an important 
clean energy resource for our region and the country. 
Natural gas can play an important role in supporting the 
integration of intermittent renewable resources into the 
electric power system, and therefore, complements wind 
and solar renewable energy options. In 2015, we will 
continue to play an active role in shaping energy policies 
and programs, which reflect the interests of our customers. 
We will continue to work with state legislators to build a 
strong energy plan for the region, and we will remain 
committed to working with environmental agencies to make 
significant progress towards remediation of our legacy 
environmental sites. 

UTILITY CUSTOMERS. Natural gas is a preferred energy 
resource in our service territory as it is a low-cost, reliable, 
and clean energy choice. We intend to capitalize on this 
preference and on improvements in the residential housing 
and commercial markets to grow our customer base. 

KEY UTILITY INVESTMENTS. We believe investing in new 
infrastructure, operating efficiencies, and marketing 
opportunities positions our core business for growth now 
and well into the future. During 2015, we will continue 
working on a number of carbon solution programs with the 
OPUC, such as residential oil conversions, commercial 
combined heat and power, and other carbon emission 
reduction programs. 

Our recent IRP filing indicates an increase in the demand 
for natural gas in our region and the need for additional 
infrastructure investments. Our utility and gas storage 
operations in Oregon and SW Washington currently depend 
on a single bi-directional interstate transmission pipeline to 
transport gas supplies to customers. We will continue to 
work with regulators, customers, and utilities in the Pacific 
Northwest to advance a new, integrated, regional cross-
Cascades pipeline to create supply diversity and reliability 
for our system. The need for gas supply flexibility increases 
as additional large electric generation and industrial projects 
are sited in the region.

A growth investment for our storage business is the planned 
expansion at Mist to support a gas-fired plant built by 
Portland General Electric (PGE) at their nearby Port 
Westward facility. In early 2015, we were authorized by 
PGE to begin permitting and land acquisition work for this 
project. Before construction can begin, the project is subject 
to several conditions, including, but not limited to, PGE's 
final approval of estimated costs and receipt of a notice to 
proceed. 

NON-UTILITY INITIATIVES. Energy policies in the Pacific 
Northwest and California are likely to increase the value of 
the Company's gas storage in the long-term. In the short-
term, we remain focused on maximizing the value of our 
storage assets by managing costs, optimizing revenue 
opportunities, and seeking new potential markets and 
customers, while recognizing the unique challenges low, 
stable natural gas prices bring to the storage market. 

26

Issues and Challenges
ECONOMY. The local, national, and global economies 
showed signs of improvement during 2014. We saw 
increased utility customer growth and business demand for 
natural gas. Our utility’s customer growth rate was 1.4% in 
2014, compared to 1.3% in 2013 and 0.9% in 2012. NW 
Natural ended 2014 with 704,644 customers. The local 
Oregon and southwest Washington economies are showing 
signs of recovery as unemployment rates in the Portland 
and Vancouver area dropped from approximately 7% in 
2013 to approximately 6% at the end of 2014. We believe 
our utility is well positioned for continued customer additions 
and increasing industrial demand because of low, stable 
natural gas prices, our relatively low market penetration, 
and our ongoing focus of converting homes and businesses 
to natural gas. Additional growth may also come with 
increased industrial load from new projects in the region and 
proposed legislation that favors lower carbon emissions and 
lower cost energy alternatives, such as natural gas. Our gas 
storage business is also impacted by the employment 
trends throughout the West Coast, as California, which was 
among the hardest hit areas during the recession, is 
reporting lower unemployment levels in 2014.

GAS PRICES AND SUPPLIES. Our gas acquisition strategy is 
to secure sufficient supplies of natural gas to meet the 
needs of our utility customers and to hedge gas prices so 
we can effectively manage costs, reduce price volatility, and 
maintain a competitive price advantage. With developments 
in drilling technologies and the abundance of shale 
development around the U.S. and in Canada, the current 
outlook for North American natural gas supply is strong and 
is projected to remain this way into the future. This 
projection is dependent upon a combination of supply 
outlook and demand factors as well as a regulatory 
environment that continues to support hydraulic fracturing 
and other drilling technologies.

Our utility's annual PGA mechanisms in Oregon and 
Washington, combined with our gas price hedging 
strategies, enable us to reduce earnings exposure for the 
Company and secure lower gas costs for our customers. 
Each year, we typically hedge gas prices on approximately 
75% of our utility's annual sales requirement based on 
normal weather, including both physical and financial 
hedges. We entered the 2014-15 gas year (November 1, 
2014 - October 31, 2015) hedged at 75% of our forecasted 
sales volumes, including 41% in financial swap and option 
contracts and 34% in physical gas supplies. For further 
discussion see "Regulatory Matters—Rate Mechanisms—
Purchased Gas Adjustment" below.

In addition to the amount hedged for the current gas 
contract year, we are also hedged in future years at 
approximately 18% for the 2015-16 gas year as of 
December 31, 2014 and between 1% and 9% for annual 
requirements over the following five gas years. Our hedge 
levels are subject to change based on actual load volumes, 
which depend to a certain extent on weather, economic 
conditions, and estimated gas reserve production. Also, our 
storage inventory levels may increase or decrease based on 
storage expansion, changes in storage contracts with third 
parties, and/or storage recall by the utility. 

While low and stable gas prices provide opportunities to 
lower costs for our utility customers, they also present 
challenges for our gas storage businesses by lowering the 
price of, and reducing the demand for, storage services. 
Earlier this year we re-contracted certain expiring storage 
customer capacity at our Gill Ranch facility for the 2014-15 
gas storage year at historically low prices due to the flat 
natural gas price curve and generally weak market 
conditions, which negatively impacted our financial results. 
However, increases in demand for natural gas or decreases 
in supplies can put upward pressure on gas prices and gas 
price volatility, which could improve the market value for gas 
storage. Similarly, decreases in demand and increases in 
supplies can cause downward pressure on gas prices and 
gas price volatility. We are seeing slightly higher contract 
prices for the upcoming storage year, but overall prices are 
lower than our long-term contracts that expired during the 
2013-14 gas storage year. As such, we continue to expect 
shorter contract lengths and prices reflecting current market 
trends and remain focused on lowering operating costs, 
finding opportunities in the market to increase revenues 
through enhanced services for storage customers, and 
capitalizing on market opportunities that fit our business-risk 
profile. 

ENVIRONMENTAL COSTS. We accrue all material 
environmental loss contingencies related to environmental 
sites for which we are responsible. Due to numerous 
uncertainties surrounding the nature of environmental 
investigations and the approval of proposed remediation 
solutions by regulatory agencies, actual costs could vary 
significantly from our loss estimates. As a regulated utility, 
we have been allowed to defer certain costs pursuant to 
regulatory orders. In our 2012 general rate case, the OPUC 
approved our recovery of environmental costs from 
investigation and site remediation subject to certain 
conditions including a site remediation and recovery 
mechanism. In February 2015, the OPUC issued an order 
regarding the mechanism as noted in "Results of 
Operations—Regulatory Matters—Rate Mechanisms" below 
and Note 16. 

We have received approximately $150 million cumulatively 
from environmental insurance policy litigation settlements to 
apply toward environmental costs, and will only seek 
recovery from customers for amounts in excess of 
insurance proceeds. Ultimate recovery of environmental 
costs from regulated utility rates depends on our ability to 
effectively manage these costs and demonstrate costs were 
prudently incurred, and the application of an annual 
earnings test in Oregon. Environmental cost recovery and 
carrying charges on amounts charged to Washington 
customers will be determined in a future proceeding. See 
"Results of Operations—Regulatory Matters—Rate 
Mechanisms" below and Note 16. 

CLIMATE CHANGE. We recognize our business will likely be 
impacted by future carbon constraints. To address these 
possible constraints, we are seeking clean energy growth 
opportunities that position us for long-term success in a 
lower carbon energy economy and to advance our 
customers’ interests in energy conservation, efficiency and 
environmental stewardship. A variety of federal, state, local, 
and international climate change initiatives, including new 
regulations, are underway, but we cannot determine the 

27

 
impact of these initiatives at this time. For example, an array 
of Environmental Protection Agency (EPA) rules impacting 
coal plants has driven some coal plants to shut down early 
although the EPA is not mandating coal plant closures. Coal 
plant shut downs could increase the demand for natural gas 
as a lower carbon emission fuel and create opportunities for 
us. Similarly, because natural gas has a relatively low 
carbon content, it is also possible future carbon constraints 
could create additional demand for natural gas for base load 
electric generation, direct use in homes and businesses, 
backing up intermittent renewable resources, and as a 
transportation fuel to displace gasoline and diesel fuels. 

As required under EPA greenhouse gas regulations, we 
annually report our system throughput and unintended 
greenhouse gas releases. While our carbon dioxide 
equivalent emission levels are relatively small, the adoption 
and implementation of any regulations imposing reporting 
obligations, or limiting emissions of greenhouse gases 
associated with our operations, could result in an increase 
in the prices we charge our customers or a decline in the 
demand for natural gas.

CONSOLIDATED EARNINGS AND DIVIDENDS

Consolidated Earnings
Consolidated highlights include:

In millions, except EPS
data

Net income

EPS

ROE

2014

2013

2012

$

58.7

2.16

$

60.5

2.24

$

58.8

2.18

7.7%

8.2%

8.2%

2014 COMPARED TO 2013. Overall, consolidated net income 
decreased $1.8 million. Our net income is most significantly 
impacted by our utility business which had favorable results 
during the year, but increases at the utility were more than 
offset by declines from our gas storage segment. 

The primary factors were: 
• 

a $12.2 million increase in utility margin primarily due to 
customer growth and the rate-base return on our gas 
reserves and other investments; 
a $8.9 million decrease in gas storage operating 
revenues as storage was negatively impacted by re-
contracting certain expiring firm storage capacity at 
lower prices;
a $3.3 million increase in depreciation and amortization 
expenses due to additional utility capital expenditures; 
and
a $2.7 million decrease in other income and expense, 
net due to lower interest income on net deferred 
regulatory balances. 

• 

• 

• 

2013 COMPARED TO 2012. The most significant factors 
contributing to the $1.8 million increase in consolidated net 
income were:
• 

a $9.4 million increase in utility margin primarily due to 
customer growth and the rate-base return on our gas 
reserves and other investments; and
a $2.7 million after-tax charge taken in 2012 from an 
Oregon general rate case disallowance. 

• 

Partially offsetting the above factors were:
• 

a $7.1 million increase in operations and maintenance 
expense primarily due to increased utility payroll and 
system maintenance and safety program costs; and
a $2.9 million increase in depreciation and amortization 
expenses primarily due to additional utility 
expenditures. 

• 

Dividends
Dividend highlights include:  

Per common share

Dividends paid

2014

2013

2012

$

1.85

$

1.83

$

1.79

The Board of Directors declared a quarterly dividend on our 
common stock of $0.465 cents per share, payable on 
February 13, 2015, to shareholders of record on January 
30, 2015, reflecting an indicated annual dividend rate of 
$1.86 per share.

28

RESULTS OF OPERATIONS

Regulatory Matters

Regulation and Rates 
UTILITY. Our utility business is subject to regulation by the 
OPUC, WUTC, and FERC with respect to, among other 
matters, rates and terms of service. The OPUC and WUTC 
also regulate the system of accounts and issuance of 
securities by our utility. In 2014, approximately 89% of our 
utility gas volumes and revenues were derived from Oregon 
customers, with the remaining 11% from Washington 
customers. Earnings and cash flows from utility operations 
are largely determined by rates set in general rate cases 
and other proceedings in Oregon and Washington, but are 
also affected by the local economies in Oregon and 
Washington, the pace of customer growth in the residential, 
commercial, and industrial markets, and our ability to remain 
price competitive, control expenses, and obtain reasonable 
and timely regulatory recovery of our utility-related costs, 
including operating expenses and investment costs in utility 
plant and other regulatory assets. See "Most Recent 
General Rate Cases" below.

GAS STORAGE. Our gas storage business is subject to 
regulation by the OPUC, WUTC, CPUC, and FERC with 
respect to, among other matters, rates and terms of service. 
The OPUC and CPUC also regulate the issuance of 
securities and system of accounts. The OPUC and CPUC 
regulate intrastate storage services, and the FERC 
regulates interstate storage services. The OPUC and FERC 
use a maximum cost of service model which allows for gas 
storage prices to be set at or below the cost of service as 
approved by each agency in the last regulatory filing. The 
CPUC regulates Gill Ranch under a market-based rate 
model which allows for the price of storage services to be 
set by the marketplace. In 2014, approximately 69% of our 
storage revenues were derived from FERC, Oregon, and 
Washington regulated operations and approximately 31% 
from California operations.

Most Recent General Rate Cases  
OREGON. Effective November 1, 2012, the OPUC 
authorized rates to customers based on an ROE of 9.5%, 
an overall rate of return of 7.78%, and a capital structure of 
50% common equity and 50% long-term debt. 

WASHINGTON. Effective January 1, 2009, the WUTC 
authorized rates to customers based on an ROE of 10.1% 
and an overall rate of return of 8.4% with a capital structure 
of 51% common equity, 5% short-term debt, and 44% long-
term debt.

FERC. We are required under our Mist interstate storage 
certificate authority and rate approval orders to file every 
five years either a petition for rate approval or a cost and 
revenue study to change or justify maintaining the existing 
rates for our interstate storage services. In December 2013 
we filed a rate petition, which was approved in 2014 and 
allows for the maximum cost-based rates for our interstate 
gas storage services. These rates were effective January 1, 
2014, with the rate changes having no significant impact on 
our revenues.

Open Regulatory Proceedings
The following provides a list of our significant open 
regulatory items:
• 

Interstate Storage Sharing - A docket has been
opened to review the current revenue sharing 
arrangement that allocates a portion of the net 
revenues generated from non-utility Mist storage 
services and third-party asset management services to 
utility customers. We anticipate resolution of this docket 
in 2015.
Prepaid Pension Asset - A schedule was established 
to resolve this docket in 2015. See "Rate Mechanisms
—Pension Cost Deferral and Prepaid Pension Assets" 
below.

• 

• 

•  Gas Reserves - We filed with the OPUC in February 
2015 seeking cost recovery on additional investments 
in gas reserves. See "Rate Mechanisms—Gas 
Reserves" below. 
Integrated Resource Plan (IRP) - We filed our 2014 
Oregon and Washington IRPs on August 29, 2014 and 
received acknowledgment from the OPUC on February 
24, 2015. We expect notice from the WUTC during 
2015. The IRPs included analysis of different market 
scenarios and corresponding resource acquisition 
strategies. This analysis is needed to develop supply 
and demand resource requirements, consider 
uncertainties in the planning process, and to establish a 
plan for providing reliable and low cost natural gas 
service.
System Integrity Program (SIP) - We filed a request 
to extend the SIP program in the fourth quarter of 2014. 
See "Rate Mechanisms—System Integrity Program 
(SIP)" below.

• 

Completed Regulatory Activities 
The following provides a list of our completed regulatory 
activities in 2014:
• 

Flexible Gas Storage - We received approval from the 
OPUC in 2014 for two new rate schedules. One of 
these schedules is intended to allow us to provide no-
notice gas storage service from Mist and specifically 
supports services associated with the proposed Mist 
gas storage facility expansion. The expansion would be 
supported by a contract with PGE to serve their gas-
fired electric power generation facilities at Port 
Westward, which is located approximately 15 miles 
from Mist. In early 2015, we received authorization from 
PGE to begin permitting and land acquisition work. This 
project is subject to PGE's final approval of estimated 
projected costs and a notice to proceed, as well as the 
receipt of permits and certain land rights, among other 
conditions.
Senate Bill (SB) 844 - Final rules for gas utilities in 
Oregon governing the incentive rate-making 
mechanisms aimed at reducing greenhouse gas 
emissions were issued in 2014. We anticipate 
submitting programs developed under these rules to 
the OPUC in 2015. These programs include oil 
conversions, commercial combined heat and power, 
and other carbon emission reduction programs.

• 

29

 
•  GASCO Water Treatment Station - The OPUC 

approved placing $19.0 million of capital costs 
associated with a water treatment station at our Gasco 
environmental site into rates effective November 1, 
2013. During 2014, the OPUC deemed Gasco 
construction costs prudent and approved the 
application of $2.5 million of insurance proceeds plus 
interest to reduce the capital costs included in rates 
effective November 1, 2014.

•  CNG Service Approved - In 2014, we received 

approval from the OPUC to offer business customers a 
new service to install, own, and maintain gas 
compression equipment that enables them to fuel their 
vehicle fleets with CNG. NW Natural filed the tariff in 
June 2013 after receiving requests from businesses 
interested in switching or increasing the number of their 
fleet vehicles fueled by CNG. Costs associated with 
providing this service will be directly paid by business 
customers using the service. The OPUC will review the 
tariff after two years to assess the market for CNG at 
that time. 

Rate Mechanisms
PURCHASED GAS ADJUSTMENT. Rate changes are 
established for the utility each year under PGA mechanisms 
in Oregon and Washington to reflect changes in the 
expected cost of natural gas commodity purchases. This 
includes gas prices under spot purchases as well as 
contract supplies, gas prices hedged with financial 
derivatives, gas prices from the withdrawal of storage 
inventories, the production of gas reserves, interstate 
pipeline demand costs, a permanent rate adjustment for our 
SIP program, temporary rate adjustments, which amortize 
balances of deferred regulatory accounts, and the removal 
of temporary rate adjustments effective for the previous 
year.

Under the current PGA mechanism in Oregon, there is an 
incentive sharing provision whereby we are required to 
select each year either an 80% deferral or a 90% deferral of 
higher or lower actual gas costs compared to estimated 
PGA prices, such that the impact on current earnings from 
the incentive sharing is either 20% or 10% of the difference 
between actual and estimated gas costs, respectively. 
Under the Washington PGA mechanism, we defer 100% of 
the higher or lower actual gas costs, and those gas cost 
differences are normally passed on to customers through 
the annual PGA rate adjustment. 

We filed our PGA in September 2014 and received OPUC 
and WUTC approval in October 2014. PGA rate changes 
were effective November 1, 2014, with the rate changes 
increasing the average monthly bills of residential 
customers by 1.7% and 6.0% in Oregon and Washington, 
respectively. The increase in Oregon reflected customers' 
portion of adjustments for changes in natural gas 
commodity costs, offset by credits related to the decoupling 
mechanism and other annual adjustments previously 
agreed to with the OPUC. Washington rates reflected the 
full effect of changes in natural gas commodity costs and 
some additional annual adjustments based on ongoing 
agreements with the WUTC. 

Commodity cost increases were primarily related to the 
colder weather experienced by many parts of the United 
States for an extended period in late 2013 and early 2014. 
The extreme cold weather nationally resulted in a significant 
withdrawal of gas from storage and higher gas prices 
compared to the 2012-13 winter. In addition, our service 
territory experienced a cold weather event in February 
2014, increasing gas volumes purchased for that period. 
These past and current price and volume increases resulted 
in the rate changes for the 2014-15 PGA period.

EARNINGS TEST REVIEW. We are subject to an annual 
earnings review in Oregon to determine if the utility is 
earning above its authorized ROE threshold. If utility 
earnings exceed a specific ROE level, then 33% of the 
amount above that level is required to be deferred for refund 
to customers. Under this provision, if we select the 80% 
deferral gas cost option, then we retain all of our earnings 
up to 150 basis points above the currently authorized ROE. 
If we select the 90% deferral option, then we retain all of our 
earnings up to 100 basis points above the currently 
authorized ROE. We selected the 90% deferral option for 
the 2012-13, 2013-14 and 2014-15 PGA years. The ROE 
threshold is subject to adjustment annually based on 
movements in long-term interest rates. For calendar years 
2012, 2013, and 2014, the ROE threshold was 10.92%, 
10.58%, and 10.66%, respectively. There were no refunds 
required for 2012 and 2013. We do not expect a refund for 
2014 based on our results and anticipate filing the 2014 test 
in May 2015. 

GAS RESERVES. In 2011 the OPUC approved the Encana 
gas reserve transaction to provide long-term gas price 
protection for our utility customers and determined the 
Company's costs under the agreement will be recovered, 
plus a rate base return on our investment, on an ongoing 
basis through our annual PGA mechanism, including the 
regulatory deferral and incentive sharing process for the 
commodity cost of gas. Gas produced from our interests is 
sold by Encana at then prevailing market prices with 
revenues from such sales, net of associated operating and 
production costs, credited to our cost of gas. Annually, a 
forecast is established for the amounts related to revenues, 
costs, and production volumes expected, and any variances 
between forecasted and actual results are subject to our 
PGA incentive sharing in Oregon.

On March 28, 2014, we amended the original gas reserve 
agreement in order to facilitate Encana's proposed sale of 
its interest in the Jonah field to Jonah Energy, LLC. Under 
the amendment, we ended the drilling program with Encana, 
but increased our assigned ownership interests in certain 
sections of the Jonah field and retained the right to invest in 
additional wells with the new owner.

In 2014 we elected to participate in some of the additional 
wells drilled in the Jonah field under our amended gas 
reserves agreement with Jonah Energy, LLC and may have 
the opportunity to participate in more wells in the future. We 
filed an application requesting regulatory deferral in Oregon 
for these additional investments. We filed in February 2015 
seeking cost recovery for the additional wells drilled in 2014 
and expect a decision on the prudence of these wells in 
2015. 

30

DECOUPLING. Decoupling is intended to break the link 
between utility earnings and the quantity of gas consumed 
by customers, removing any financial incentive by the utility 
to discourage customers’ efforts to conserve energy.
The Oregon decoupling mechanism was reauthorized in the 
2012 Oregon general rate case with the baseline 
determined in our 2012 general rate case being used in 
base rates. This mechanism employs a use-per-customer 
decoupling calculation, which adjusts margin revenues to 
account for the difference between actual and expected 
customer volumes. The margin adjustment resulting from 
differences between actual and expected volumes under the 
decoupling component is recorded to a deferral account, 
which is included in the annual PGA filing. Baseline 
consumption reflects forecasted customer consumption data 
used in the Oregon general rate case. In Washington, 
customer use is not covered by such a tariff. See "Business 
Segments—Local Gas Distribution Utility Operations" below.

WEATHER NORMALIZATION TARIFF. In Oregon, we have an 
approved weather normalization mechanism, which is 
applied to residential and commercial customer bills. This 
mechanism is designed to help stabilize the collection of 
fixed costs by adjusting residential and commercial 
customer billings based on temperature variances from 
average weather, with rate decreases when the weather is 
colder than average and rate increases when the weather is 
warmer than average. The mechanism is applied to bills 
from December through May of each heating season. The 
mechanism adjusts the margin component of customers’ 
rates to reflect average weather, which uses the 25-year 
average temperature for each day of the billing period. Daily 
average temperatures and 25-year average temperatures 
are based on a set point temperature of 59 degrees 
Fahrenheit for residential customers and 58 degrees 
Fahrenheit for commercial customers. This weather 
normalization mechanism was reauthorized in the 2012 
Oregon general rate case without an expiration date. 
Residential and commercial customers in Oregon are 
allowed to opt out of the weather normalization mechanism, 
and as of December 31, 2014, 7% of total customers had 
opted out. We do not have a weather normalization 
mechanism approved for residential and commercial 
Washington customers, which account for about 11% of 
total customers. See "Business Segments—Local Gas 
Distribution Utility Operations" below.

INDUSTRIAL TARIFFS. The OPUC and WUTC have 
approved tariffs covering utility service to our major 
industrial customers, including terms, which are intended to 
give us certainty in the level of gas supplies we need to 
acquire to serve this customer group. The terms include, 
among other things, an annual election period, special 
pricing provisions for out-of-cycle changes, and a 
requirement that industrial customers complete the term of 
their service election under our annual PGA tariff.

SYSTEM INTEGRITY PROGRAM (SIP). Since 2002, various 
laws requiring minimum standards for integrity management 
programs and SIPs for natural gas transmission and 
distribution pipelines have been enacted. In January 2012 
the Pipeline Safety, Regulatory Certainty, and Job Creation 
Act of 2011 was signed into law and requires increased civil 
penalties for pipeline safety violations, improvements in 
prevention programs for pipelines, and additional review 

and analysis of various aspects of gas transmission lines. 
We work diligently with industry associations and federal 
and state regulators to ensure our compliance with the 
provisions of new laws. 

The OPUC approved specific accounting treatment and cost 
recovery for our transmission pipeline integrity management 
program, our SIP, and for related pipeline safety rules 
adopted by the U.S. Department of Transportation’s 
PHMSA. In addition, the OPUC provided a two-year 
extension to November 2014 of our capital expenditure 
tracking mechanism to recover capital costs related to SIP. 
We recorded the costs related to the integrity management 
program as either capital expenditures or regulatory assets, 
accumulated the costs over each 12-month period, and 
recovered the revenue requirement associated with these 
costs, subject to audit, through rate changes effective with 
the Oregon annual PGA. Our SIP costs were tracked into 
rates annually, with rate base recovery after the first $4 
million of capital costs. An annual cap for expenditures was 
set at $12 million, but extraordinary costs above the cap 
could have been approved with written consent of the 
OPUC staff and other interested parties and approval of the 
OPUC. During 2013, the Commission approved a temporary 
increase to the annual cap, authorizing an additional $13.7 
million of expenditures above the cap over the following two 
years to be tracked into rates. With the increased cap, we 
plan to complete our bare steel replacement by the end of 
2015, and as a result of this stipulation we are precluded 
from tracking additional bare steel replacement costs into 
rates after 2015. We do not have any special accounting or 
rate treatment for SIP costs incurred in the state of 
Washington.

We filed a request to extend the SIP program in the fourth 
quarter of 2014, with slightly modified program parameters. 
Specifically, we are seeking to track $8 million of SIP capital 
costs into rates annually, after having the first $1 million of 
SIP capital spend subject to regulatory lag. We expect to 
resolve this request during 2015.  

ENVIRONMENTAL COST DEFERRAL AND SRRM. The OPUC 
has authorized the deferral of environmental costs 
associated with certain named sites and the accrual of 
carrying costs on amounts deferred, subject to an annual 
demonstration that we have maximized our insurance 
recovery or made substantial progress in securing 
insurance recovery for unrecovered environmental 
expenses. Through a series of extensions, the OPUC has 
authorized us to defer environmental costs and accrued 
carrying costs through January 2015, and the Company has 
filed a docket requesting authorization to defer costs 
through January 2016. 

On February 20, 2015, the OPUC issued an order regarding 
the Site Remediation and Recovery Mechanism (SRRM) for 
recovering prudently incurred environmental site 
remediation costs through customer billings, subject to an 
earnings test. The OPUC order addressed a number of key 
issues including: (1) prudence of all but $33 thousand of 
costs incurred through March 31, 2014; (2) insurance 
settlement proceeds of approximately $150 million were 
deemed prudent with one-third of the proceeds applied to 
costs prior to December 31, 2012 and two-thirds to offset 
future environmental expenses; (3) in the order, the OPUC 

31

 
  
A prepaid pension asset docket was opened in 2013 to 
evaluate pension cost recovery for all utilities in Oregon. 
The utilities have requested recovery of the financing costs 
incurred as a result of timing differences between cash 
contributions made to their pension plans and the 
recognition of expense. A schedule was established to 
resolve this docket in 2015. As noted above, the Company 
currently recovers a portion of pension expense in rates and 
has requested continued recovery of these expenses in the 
docket. 

CUSTOMER CREDITS FOR GAS STORAGE SHARING. On an 
annual basis, we credit amounts to Oregon and Washington 
customers as part of our regulatory incentive sharing 
mechanism related to net revenues from gas storage and 
asset management of pipeline capacity and gas storage at 
Mist. Generally amounts are credited to Oregon customers 
in June, while credits are given to customers in Washington 
through reductions in rates in the annual PGA filing in 
November. The following table presents the credits to 
customers: 

In millions

Oregon utility
customer credit

Washington utility
customer credit

2014

2013

2012

$

11.4

$

8.8

$

0.8

0.5

9.2

0.8

disallowed recovery of expenses totaling approximately $15 
million for costs related to 2003 to 2012. 

With respect to remediation expenses deferred after 2012, 
an aggregate of two-thirds of the environmental insurance 
receipts, plus interest will be applied ratably over 20 years 
and the remainder will be collected through the SRRM, and 
subject to an earnings test as follows: (1) The Company will 
recover the first $5 million of annual expense through a tariff 
rider from customers; (2) the Company will apply $5 million 
of insurance (plus interest accrued on insurance proceeds) 
to environmental expenses each year; and (3) any 
expenditures above the $10 million (plus interest) described 
above would be fully recoverable through the SRRM, to the 
extent the Company earns at or below its authorized Return 
on Equity (ROE). See Note 16 for additional detail regarding 
the earnings test and additional conditions related to these 
amounts. 

The Company continues to evaluate the effects of the order 
and is required to file a compliance report with the OPUC 
within 30 days of the order demonstrating how it will be 
implemented. See Note 15 and Note 16 for additional detail.

The WUTC also authorized the deferral of environmental 
costs, if any, that are appropriately allocated to Washington 
customers. This order was effective January 26, 2011 with 
cost recovery and a carrying charge to be determined in a 
future proceeding. 

PENSION COST DEFERRAL AND PREPAID PENSION ASSETS. 
Effective January 1, 2011, the OPUC approved our request 
to defer annual pension expenses above the amount set in 
rates, with recovery of these deferred amounts through the 
implementation of a balancing account, which includes the 
expectation of higher and lower pension expenses in future 
years. Our recovery of these deferred balances includes 
accrued interest on the account balance at the utility’s 
authorized rate of return, which is currently 7.78%. Future 
years’ deferrals will depend on changes in plan assets and 
projected benefit liabilities based on a number of key 
assumptions, and our pension contributions. Pension 
expense deferrals were $4.6 million and $9.1 million in 2014 
and 2013, respectively. See "Application of Critical 
Accounting Policies and Estimates" below. As noted above, 
the Company continues to seek rate treatment for amounts 
invested in prepaid pension assets.

32

 
Business Segments - Local Gas Distribution Utility 
Operations

Our utility margin results are largely affected by customer 
growth and, to a certain extent, by changes in volume due 
to weather and customers’ gas usage patterns. In Oregon, 
we have a conservation tariff and a weather normalization 
tariff; both mechanisms are designed to reduce the volatility 
of our utility’s earnings and customer charges. See 
"Regulatory Matters—Rate Mechanisms" above. 

Utility segment highlights include:  

Dollars and therms in
millions, except EPS data

2014

2013

2012

Utility net income

$

58.6

$

54.9

$

EPS - utility segment

2.15

2.03

54.0

2.01

Gas sold and delivered
(in therms)
Utility margin(1)
344.5
(1) See Utility Margin Table below for a reconciliation and additional 
detail. 

1,093

1,112

366.1

353.9

1,146

$

$

$

2014 COMPARED TO 2013. The primary factors contributing 
to the $3.7 million or $0.12 per share increase in net income 
were as follows:
• 

a $12.2 million net increase in utility margin primarily 
due to:

a $16.6 million increase from customer growth in 
residential and commercial customers, industrial 
margins, and added rate-base returns on certain 
investments, including gas reserves; partially offset 
by
$2.1 million increase in loss from gas cost 
incentive sharing mainly resulting from higher gas 
prices and volumes than those estimated in the 
PGA; and
the remaining decrease was primarily due to 
warmer weather as measured by heating degree 
days, in Washington, which does not have a 
weather normalization mechanism in place, and 
the effect of warmer weather on margin for Oregon 
customers that opt out of weather normalization.

• 

• 

• 

a $3.2 million increase in depreciation expense due to 
additional capital expenditures;
a $1.5 million decrease in operations and maintenance 
expense; and
a $2.1 million decrease in other income and expense, 
net primarily due to lower interest income on regulatory 
deferred account balances. 

Total utility volumes sold and delivered in 2014 decreased 
5% over 2013 primarily due to the impact of warmer 
weather on residential and commercial use. 

2013 COMPARED TO 2012. The primary factors contributing 
to the $0.9 million or $0.02 per share increase in net income 
were as follows:
• 

a $9.4 million net increase in utility margin primarily due 
to:

a $10.8 million increase related to customer growth 
and the rate-base return on our gas reserves and 
other investments, such as our pipeline integrity 
tracker; and
a $3.9 million increase related to the timing 
impacts of changes in fixed monthly charges and 
decoupling baselines in the 2012 Oregon general 
rate case. As a result of changes to the decoupling 
baseline for average use per customer included in 
the 2012 rate case, the decoupling mechanism's 
results in 2013 were not comparable to 2012, 
although the overall impact on revenues was 
generally the same on an annualized basis.

These increases in margin were partially offset by:
a $3.9 million decrease in gains from gas cost 
incentive sharing due to actual gas prices that 
were roughly equivalent to estimated PGA prices 
for 2013 as compared to actual gas prices that 
were lower than estimated PGA prices for 2012; 
and
a $1.4 million decrease primarily related to the 
lower Oregon Authorized ROE of 9.5% from the 
2012 general rate case.

• 

• 

a $1.5 million increase in other income and expense, 
net primarily due to interest on higher average 
regulatory account balances; and
a $2.7 million tax charge taken in 2012 from an Oregon 
general rate case disallowance. See "Application of 
Critical Accounting Policies and Estimates—Regulatory 
Accounting" below. 

These factors were partially offset by:
• 

a $7.4 million increase in operations and maintenance 
expense primarily due to increased utility payroll and 
system maintenance and safety program costs; 
a $2.9 million increase in depreciation and amortization 
expense primarily due to a higher level of investment in 
utility property, plant, and equipment; and
a $2.4 million increase in interest expense primarily due 
to increases in long-term debt outstanding.

• 

• 

Total utility volumes sold and delivered in 2013 increased 
3% over 2012 primarily due to the impact of colder 
weather on residential and commercial use. 

33

UTILITY MARGIN TABLE. The following table summarizes the composition of utility gas volumes, revenues, and cost of sales: 

In thousands, except degree day and customer data

2014

2013

2012

Favorable/(Unfavorable)

2014 vs.
2013

2013 vs.
2012

Utility volumes (therms):

Residential and commercial sales

Industrial sales and transportation

620,903

472,087

671,906

474,525

637,885

473,884

(51,003)

(2,438)

34,021

641

Total utility volumes sold and delivered

1,092,990

1,146,431

1,111,769

(53,441)

34,662

Utility operating revenues:

Residential and commercial sales

Industrial sales and transportation

Other revenues

Less: Revenue taxes

Total utility operating revenues

Less: Cost of gas

Utility margin

Utility margin:(1)

Residential and commercial sales

Industrial sales and transportation

Miscellaneous revenues

Gain (loss) from gas cost incentive sharing

Other margin adjustments

Utility margin

Degree Days
Average(2)

Actual
Percent colder (warmer) than average weather(2)

Customers - end of period:

Residential customers

Commercial customers

Industrial customers

$ 672,440

$

673,250

$ 642,337

$

(810)

$ 30,913

73,992

3,983

18,837

731,578

365,490

$ 366,088

$ 334,247

$

$

29,982

4,329

(2,135)

(335)

68,880

4,054

19,002

727,182

373,298

70,020

5,935

18,430

699,862

355,335

5,112

(71)

(165)

4,396

(7,808)

(1,140)

(1,881)

572

27,320

17,963

353,884

$ 344,527

$ 12,204

$

9,357

321,608

$ 306,382

$ 12,639

$ 15,226

28,335

4,308

(41)

(326)

28,586

4,452

3,811

1,296

1,647

21

(2,094)

(9)

(251)

(144)

(3,852)

(1,622)

$ 366,088

$

353,884

$ 344,527

$ 12,204

$

9,357

4,240

3,792

4,240

4,379

4,279

4,152

—

(13)%

(39)

5%

(11)%

3%

(3)%

637,411

66,304

929

628,634

621,399

8,777

65,321

918

63,619

923

983

11

7,235

1,702

(5)

8,932

Total number of customers

704,644

694,873

685,941

9,771

(1)  Amounts reported as margin for each category of customers are operating revenues, which are net of revenue taxes, less cost of gas.
(2)  Average weather represents the 25-year average degree days, as determined in our Oregon general rate case. For 2014 and 2013, 

average weather represents the 25-year average degree days as set in our 2012 Oregon general rate case. For 2012, average weather 
represents degree days based on the 25-year average set in our 2003 Oregon general rate for the months of January through October, plus 
the 25-year average set in the 2012 Oregon general rate case for the months of November and December. 

34

Residential and Commercial Sales
The primary factors that impact results of operations in the 
residential and commercial markets are customer growth, 
seasonal weather patterns, energy prices, competition from 
other energy sources, and economic conditions in our 
service areas. The impact of weather on margin is 
significantly reduced through our weather normalization 
mechanism in Oregon; approximately 83% of our total 
customers are covered under this mechanism. The 
remaining customers either opt out of the mechanism or are 
located in Washington, which does not have a similar 
mechanism in place. For more information on our weather 
mechanism, see "Regulatory Matters—Rate Mechanisms—
Weather Normalization Tariff" above.

Residential and commercial sales highlights include:

In millions

Volumes (therms):

Residential sales

Commercial sales

Total volumes

Operating revenues:

2014

2013

2012

381.5

239.4

620.9

418.6

253.3

671.9

395.5

242.4

637.9

Residential sales

$

441.5

$

447.4

$

428.5

Commercial sales

230.9

225.9

213.8

Total operating
revenues

Utility margin:

Residential:

Sales

Weather normalization

Decoupling

Total residential utility
margin

Commercial:

Sales

Weather normalization

Decoupling

Total commercial utility
margin

$

672.4

$

673.3

$

642.3

$

223.6

$

234.1

$

211.6

5.1

4.0

(9.0)

2.6

(0.1)

8.6

232.7

227.7

220.1

91.6

2.2

7.7

92.1

(4.0)

5.8

101.5

93.9

84.0

0.2

2.1

86.3

Total utility margin

$

334.2

$

321.6

$

306.4

2014 COMPARED TO 2013. The primary factors contributing 
to changes in the residential and commercial markets were 
as follows:
• 

sales volumes decreased 51.0 million therms, or 8%, 
primarily reflecting 13% warmer weather, which was 
partially offset by customer growth and a record 
February cold weather event;
operating revenues decreased $0.8 million, due to the 
8% decrease in sales volumes, which was partially 
offset by a 4% increase in average gas rates over last 
year; and
utility margin increased $12.6 million, or 4%, primarily 
related to customer growth, added loads under higher 
commercial rate schedules, and added rate-base 
returns from our gas reserves and other investments, 
partially offset by the effect of warmer weather on our 
Washington customers and Oregon customers that 
opted out of the weather normalization mechanism. 

• 

• 

2013 COMPARED TO 2012. The primary factors contributing 
to changes in the residential and commercial markets were 
as follows:
• 

sales volumes increased 34.0 million therms, or 5%, 
primarily reflecting 5% colder weather and customer 
growth;
operating revenues increased $30.9 million, or 5%, due 
to a 5% increase in sales volumes and $36.2 million of 
credits from gas cost savings which were applied to 
customer billings in 2012, partially offset by a 9% 
decrease in average gas prices, which flowed through 
the Company's PGA rates; and
utility margin increased $15.2 million, or 5%, primarily 
reflecting the following:

• 

• 

a $10.8 million increase related to customer growth 
and the rate-base return on our gas reserves and 
other investments; and
a $3.9 million increase related to the timing 
impacts of changes in fixed monthly charges and 
decoupling baselines in the 2012 Oregon general 
rate case.
Partially offsetting these increases was a $1.4 
million decrease primarily related to the lower 
Oregon Authorized ROE of 9.5% from the 2012 
general rate case.

Industrial Sales and Transportation
Industrial customers have the option of purchasing sales or 
transportation services from the utility. Under the sales 
service, the customer buys the gas commodity from the 
utility. Under the transportation service, the customer buys 
the gas commodity directly from a third-party gas marketer 
or supplier. Our gas commodity cost is primarily a pass-
through cost to customers; therefore, our profit margins are 
not materially affected by an industrial customer's decision 
to purchase gas from us or from third parties. Industrial and 
large commercial customers may also select between firm 
and interruptible service options, with firm services generally 
providing higher profit margins compared to interruptible 
services. To help manage gas supplies, our industrial tariffs 
are designed to provide some certainty regarding industrial 
customers' volumes by requiring an annual service election, 
special charges for changes between elections, and in 
some cases, a minimum or maximum volume requirement 
before changing options. 

Industrial sales and transportation highlights include:

In millions

Volumes (therms):

2014

2013

2012

Industrial - firm sales

34.0

34.3

34.9

Industrial - firm
transportation

Industrial - interruptible
sales

Industrial - interruptible
transportation

Total volumes

Utility margin:

Industrial - sales and
transportation

153.6

144.5

131.2

76.4

59.5

59.6

208.1

472.1

236.2

474.5

248.2

473.9

$

30.0

$

28.3

$

28.6

35

2014 COMPARED TO 2013. The primary factors contributing 
to changes in the industrial sales and transportation markets 
were as follows:
• 

sales and transportation volumes decreased by 2.4 
million therms due to lower usage by large volume 
interruptible transportation customers on lower margin 
rate schedules;
utility margin increased $1.6 million, or 6% primarily 
due to volume growth under higher margin rate 
schedules and other customer charges stemming from 
the extreme cold weather event in February 2014.

• 

2013 COMPARED TO 2012. The primary factors contributing 
to changes in the industrial sales and transportation markets 
were as follows:
• 

sales volumes remained relatively flat for 2013 
compared to 2012; and
utility margin decreased 1%, primarily due to lower 
demand from customers in the pulp and paper 
segment. These decreases were partially offset by 
contributions from new customers and added load from 
existing customers.

• 

Other Revenues
Other revenues include miscellaneous fee income as well 
as regulatory revenue adjustments, which reflect current 
period deferrals to and prior year amortizations from 
regulatory asset and liability accounts, except for gas cost 
deferrals which flow through cost of gas. Decoupling 
amortizations and other regulatory amortizations from prior 
year deferrals are included in revenues from residential, 
commercial and industrial firm customers.

Other revenue highlights include:

In millions

2014

2013

2012

Other revenues

$

4.0

$

4.1

$

5.9

2014 COMPARED TO 2013. Other revenues remained 
relatively flat year over year.

2013 COMPARED TO 2012. The primary factors contributing 
to changes in other revenues were as follows:
• 

other revenues decreased $1.9 million primarily due to 
a positive 2012 regulatory adjustment which did not 
reoccur in 2013.

Cost of Gas
Cost of gas as reported by the utility includes gas 
purchases, gas withdrawn from storage inventory, gains and 
losses from commodity hedges, pipeline demand costs, 
seasonal demand cost balancing adjustments, regulatory 
gas cost deferrals, gas reserve costs, and company gas 
use. The OPUC and WUTC generally require natural gas 
commodity costs to be billed to customers at the actual cost 
incurred, or expected to be incurred, by the utility. Customer 
rates are set each year so that if cost estimates were met 
we would not earn a profit or incur a loss on gas commodity 
purchases; however, in Oregon we have an incentive 
sharing mechanism whereby we either increase or decrease 
margin results based on a percentage of actual gas costs as 
compared to embedded gas costs in the PGA. Under this 
provision, our net income can be affected by differences 
between actual and expected gas costs, which occur 

36

primarily because of market fluctuations and volatility 
affecting unhedged gas purchases in the PGA. In addition, 
we have a regulatory agreement where we earn a rate-base 
return on our investment in gas reserves, which is reflected 
in utility margin. See "Regulatory Matters—Rate 
Mechanisms—Purchased Gas Adjustment and Gas 
Reserves" above. 

We use natural gas commodity hedge contracts (derivative 
instruments), primarily fixed-price commodity swaps, 
consistent with our financial derivatives policies to help 
manage gas price stability. Gains and losses from these 
financial hedge contracts are generally included in our PGA 
and normally do not impact net income because the hedged 
prices are reflected in our annual PGA rates, subject to a 
regulatory prudence review. However, hedge contracts 
entered into after the annual PGA rates are set for Oregon 
customers can impact net income because we would be 
required to share in any gains or losses as compared to the 
corresponding commodity prices built into rates in the PGA. 
In Washington, 100% of the actual gas costs, including 
hedge gains and losses allocated to Washington gas sales, 
are passed through in customer rates. See "Application of 
Critical Accounting Policies and Estimates—Accounting for 
Derivative Instruments and Hedging Activities" below, 
"Regulatory Matters—Rate Mechanisms—Purchased Gas 
Adjustment" above, and Note 13.

Cost of gas highlights include:

Dollars and therms in
millions

2014

2013

2012

Cost of gas

$

365.5

$

373.3

$

355.3

Volumes sold (therms)

716

766

732

Average cost of gas
(cents per therm)

Gain (loss) from gas cost
incentive sharing

$

0.51

$

0.49

$

0.54

(2.1)

—

3.8

2014 COMPARED TO 2013. The primary factors contributing 
to changes in cost of gas were as follows:
• 

cost of gas decreased $7.8 million, or 2% primarily due 
to a 7% decrease in sales volume reflecting warmer 
weather during the year, partially offset by a 4% 
increase in average cost of gas collected through rates. 

2013 COMPARED TO 2012. The primary factors contributing 
to changes in cost of gas were as follows:
• 

cost of gas increased $18.0 million, or 5%, including the 
$37.7 million of credits applied to customer billings in 
2012 related to the refund of gas cost savings. 
Excluding the customer credits, total cost of gas 
decreased $19.7 million, or 5%, primarily due to a 5% 
increase in volumes offset by a 9% decrease in 
average cost of gas collected through rates, reflecting 
lower market prices for natural gas.

During the first quarter of 2014, many parts of the United 
States experienced record cold weather for an extended 
period, while the Pacific Northwest temperatures were 
closer to normal averages. The extreme cold weather in 
early 2014 resulted in significant withdrawals of gas from 
storage and higher gas prices compared to 2013. In early 
February 2014, the Pacific Northwest had extreme cold 
weather for a few days that resulted in a record sendout for 

our utility. Consequently, higher volumes of gas purchases 
and higher gas prices during this period resulted in a margin 
loss of $2.1 million for 2014 under our gas cost incentive 
sharing mechanism. The effect on net income from our gas 
cost incentive sharing mechanism for 2013 was a pre-tax 
gain in margin of less than $0.1 million, compared to a pre-
tax gain of $3.8 million for 2012. For a discussion of our gas 
cost incentive sharing mechanism, see “Regulatory Matters
—Rate Mechanisms—Purchased Gas Adjustment” above.

Business Segments - Gas Storage
Our gas storage segment primarily consists of the non-utility 
portion of our Mist underground storage facility in Oregon 
and our 75% ownership interest in the Gill Ranch 
underground storage facility in California. 

At Mist, we provide gas storage services to customers in the 
interstate and intrastate markets primarily using storage 
capacity that has been developed in advance of core utility 
customers’ requirements. We also contract with an 
independent energy marketing company to provide asset 
management services using our utility and non-utility 
storage and transportation capacity, the results of which are 
included in the gas storage businesses segment. Pre-tax 
income from gas storage at Mist and asset management 
services using our utility's storage and transportation 
capacity is subject to revenue sharing with core utility 
customers. Under this regulatory incentive sharing 
mechanism, we retain 80% of pre-tax income from Mist gas 
storage services and asset management services when the 
underlying costs of the capacity being used are not included 
in our utility rates, and 33% of pre-tax income from such 
storage and asset management services when the capacity 
being used is included in utility rates. The remaining 20% 
and 67%, respectively, are credited to a deferred regulatory 
account for credit to our core utility customers. See 
"Regulatory Matters—Open Regulatory Proceedings" above 
for information regarding an open docket related to this 
incentive sharing mechanism.

Our 75% undivided ownership interest in the Gill Ranch 
facility is held by our wholly-owned subsidiary Gill Ranch, 
LLC, which is also the operator of the facility. Our portion of 
the facility is 15 Bcf of gas storage capacity. Gill Ranch 
commenced operations at the end of 2010, with the first full 
storage injection season beginning on April 1, 2011. We 
also contract with an independent energy marketing 
company to provide asset management services at Gill 
Ranch. See Note 4.

Gas storage segment highlights include:

In millions, except EPS
data

2014

2013

2012

Gas storage net income

$

(0.4) $

5.6

$

4.5

EPS - gas storage
segment
Operating revenue

Operating expense

(0.01)

22.2

18.2

0.21

31.1

16.4

0.17

30.5

17.3

2014 COMPARED TO 2013. Our gas storage segment net 
income decreased $5.9 million primarily due to the following 
factors:
• 

an $8.9 million decrease in operating revenues, 
primarily reflecting recontracting expiring storage 
capacity at lower prices as the gas storage market 
prices remain at historic lows; and 
a $1.8 million increase in operating expenses primarily 
due to higher repair and power costs at our Gill Ranch 
facility. See additional information regarding these 
expense trends below. 

• 

2013 COMPARED TO 2012. Our gas storage segment net 
income increased $1.0 million primarily due to higher 
revenues from asset management services and lower 
operating costs.

Over the past few years, market prices for natural gas 
storage, particularly in California, were negatively affected 
by the abundant supply of natural gas, low volatility of 
natural gas prices, and surplus gas storage capacity. In 
addition, storage prices were further affected by extreme 
cold weather this past winter, which resulted in a significant 
decline in storage levels, a rise in spot gas prices, and lower 
storage values due to a flatter forward price curve for the 
2014-15 gas storage year. We re-contracted certain expiring 
storage capacity for the 2014-15 gas storage year with 
shorter-term contracts at substantially lower market prices 
than in previous years. These trends accounted for most of 
the decline in gas storage operating revenues. 

We incurred an additional $2.4 million of repair and power 
costs at Gill Ranch during 2014 compared to 2013. The 
increase in power costs is primarily due to higher injections 
into storage during 2014 to replenish low storage levels 
following higher withdrawals during the 2013-14 winter. The 
additional repair costs were for maintenance work at the Gill 
Ranch facility, which has now been in operation for three 
annual cycles. We are continuing to evaluate potential 
capital improvements that may be needed to enhance the 
operations of the facility. See "Financial Condition—Liquidity 
and Capital Resources" and "Financial Condition—Cash 
Flows—Investing Activities" for more information below.

Our gas storage segment financial results have been 
negatively impacted in the short term by the decline in 
market conditions and higher than normal repair costs 
incurred this year. Despite these conditions, we continue to 
believe in the long-term need for gas storage in California 
and have recently seen a slight increase in contracting 
prices. In the future, we anticipate a rebound in gas storage 
values and an increase in the demand for natural gas driven 
by a number of factors, including changes in electric 
generation triggered by California's renewable portfolio 
standards, increase in use of alternative fuels to meet 
carbon reduction targets, recovery of the California 
economy, growth of domestic industrial manufacturing, 
potential exports of liquefied natural gas from the West 
Coast, and other favorable market conditions in and around 
California. These factors would likely result in higher 
summer/winter natural gas price spreads, gas price 
volatility, and gas storage values. Refer to Note 2 for more 
information regarding our accounting for impairment of long-
lived assets.

37

Other
Other primarily consists of NNG Financial's equity 
investment in KB Pipeline, an equity investment in TWH, 
which in turn has invested in the Trail West pipeline project, 
and other miscellaneous non-utility investments and 
business activities. See Note 4 and Note 12 for further 
details on other activities and our investment in TWH.

Other highlights include:

In millions, except EPS
data

2014

2013

2012

Other net income

$

0.5

$

— $

EPS - other

0.02

—

0.2

—

2014 COMPARED TO 2013. Other net income increased $0.5 
million primarily due to increased merchandise sales from 
our natural gas appliance store. 

2013 COMPARED TO 2012. Other net income remained 
relatively flat, as anticipated.

Consolidated Operations

Operations and Maintenance
Operations and maintenance highlights include:

In millions

2014

2013

2012

Operations and maintenance

$ 137.0

$ 136.6

$ 129.5

2014 COMPARED TO 2013. Operations and maintenance 
expense increased $0.4 million, primarily due to the 
following factors:
• 

a $2.4 million increase from additional repair and power 
costs at our Gill Ranch storage facility;
a $1.5 million increase in professional service costs 
related to our ongoing growth initiatives;
a $0.4 million increase in bad debt expense at the utility 
due to lower comparable amounts in 2013 driven by a 
decrease in our allowance for uncollectible accounts in 
the first quarter of 2013; and
Partially offsetting the above factors was a $3.9 million 
decrease in utility payroll and other costs.

• 

• 

• 

2013 COMPARED TO 2012. Operations and maintenance 
expense increased $7.1 million, or 6%, primarily due to the 
following factors:
• 

a $5.9 million increase in utility payroll expense 
primarily related to additional customer service 
positions for new programs and higher incentive 
compensation; and
a $2.7 million increase in utility expenses related to 
system maintenance and safety program costs.

• 

Partially offsetting the above factors were: 
• 

a $0.9 million decrease in utility bad debt expense. See 
further discussion below.

Delinquent customer receivable balances have remained 
low for several years despite challenging economic 
conditions during the recession. This sustained, favorable 
trend resulted in a decrease to our allowance for 
uncollectible accounts in the first quarter of 2013, and bad 
debt expense continues to remain at historically low levels 

for the Company. The utility's bad debt expense as a 
percent of revenues was 0.1% for 2014 and has remained 
well below 0.5% of revenues every year since 2007. 

In addition to fluctuations in operation and maintenance 
expense reported above, we have OPUC approval to defer 
certain utility pension costs in excess of what is currently 
recovered in customer rates. This pension cost deferral is 
recorded to a regulatory balancing account, which stabilizes 
the amount of operations and maintenance expense each 
year. For the year ended December 31, 2014 and 2013 we 
deferred pension expenses totaling $4.6 million and $9.1 
million, respectively. As a result, increased pension costs 
had a minimal effect on operations and maintenance 
expense in 2014 and 2013, with the increase principally 
related to the costs allocated to our Washington operations, 
which are not covered by the pension balancing account. 
For further explanation of the pension balancing account, 
see Note 8 and “Regulatory Matters—Rate Mechanisms—
Pension Cost Deferral and Prepaid Pension Assets,” above 
for further explanation of the pension balancing account.

Depreciation and Amortization
Depreciation and amortization highlights include:

In millions

2014

2013

2012

Depreciation and amortization

$

79.2

$

75.9

$

73.0

2014 COMPARED TO 2013. Depreciation and amortization 
expense increased by $3.3 million due to an increase in 
utility depreciation expense from system investments, 
resource center improvements, and gas storage facilities 
enhancements.  

2013 COMPARED TO 2012. Depreciation and amortization 
expense for 2013 increased by $2.9 million compared to 
2012 due to an increase in utility depreciation expense on 
investments in utility plant for system improvements and 
training facilities. 

Other Income and Expense, Net
Other income and expense, net highlights include:

In millions

2014

2013

2012

Gains from company-
owned life insurance

$

Interest income

Loss on sale of
investments

Loss from equity
investments

Net interest on deferred
regulatory accounts

Other non-operating

Total other income and
expense, net

$

2.0

0.1

—

(0.2)

2.4

(2.4)

$

2.5

0.1

—

(0.1)

4.5

(2.3)

2.3

0.2

(0.2)

—

3.0

(2.1)

$

1.9

$

4.7

$

3.2

2014 COMPARED TO 2013. Other income and expense, net 
decreased $2.7 million primarily due to lower interest 
income on net deferred regulatory balances as a result of 
insurance proceeds credited to regulatory balances for 
environmental costs. Our regulatory environmental deferred 
cost account subject to interest accruals changed from a net 
regulatory asset balance of $56 million at December 31, 

38

2013 to a net regulatory liability balance of approximately 
$30 million at December 31, 2014 due to insurance 
proceeds received in 2014 exceeding amounts spent.

2013 COMPARED TO 2012. Other income and expense, net 
increased $1.5 million primarily due to interest on higher 
average regulatory account balances. 

Interest Expense, Net 
Interest expense, net highlights include:

In millions

2014

2013

2012

Interest expense, net

$

44.6

$

45.2

$

43.2

2014 COMPARED TO 2013. Interest expense, net of amounts 
capitalized, decreased $0.6 million primarily due to the 
redemptions of debt in 2014 of $50 million of utility FMBs in 
July 2014 and $10 million in September 2014, and the 
retirement of $20 million of debt pursuant to Gill Ranch's 
amended loan agreement in June 2014.

2013 COMPARED TO 2012. Interest expense, net of amounts 
capitalized, increased $2.0 million primarily due to an 
increase of $2.3 million at the utility from the issuance of 
long-term debt. The utility issued $50 million of debt with a 
coupon rate of 3.542% in August 2013 and $50 million of 
debt with a coupon rate of 4.00% in October 2012. This 
increase was partially offset by a $0.7 million reduction in 
2013 interest expense at the utility from the retirement of 
$40 million of long-term debt with a coupon rate of 7.13% in 
2012. See Note 7 for further detail.

Income Tax Expense
Income tax expense highlights include:

In millions

2014

2013

2012

Income tax expense

$ 41.6

$ 41.7

$ 43.4

Effective tax rate

41.5%

40.8%

42.5%

2014 COMPARED TO 2013. The increase in the effective 
income tax rate was primarily the result of a $0.6 million 
income tax charge in 2014 related to a higher statutory tax 
rate in Oregon, which required the revaluation of deferred 
tax balances. 

2013 COMPARED TO 2012. The decrease in income tax 
expense of $1.7 million or 4% was primarily due to a $2.7 
million tax charge taken in 2012 from an Oregon general 
rate case disallowance.

FINANCIAL CONDITION

Capital Structure
One of our long-term goals is to maintain a strong 
consolidated capital structure, generally consisting of 45% 
to 50% common stock equity and 50% to 55% long-term 
and short-term debt, and with a target utility capital structure 
of 50% common stock and 50% long-term debt. When 
additional capital is required, debt or equity securities are 
issued depending on both the target capital structure and 
market conditions. These sources of capital are also used to 
fund long-term debt retirements and short-term commercial 

39

paper maturities. See "Liquidity and Capital Resources" 
below and Note 7. 

Achieving the target capital structure and maintaining 
sufficient liquidity to meet operating requirements are 
necessary to maintain attractive credit ratings and provide 
access to capital markets at reasonable costs. Our 
consolidated capital structure was as follows:

Common stock equity

Long-term debt

Short-term debt, including current
maturities of long-term debt

Total

December 31,

2014

2013

46.1%

44.7%

37.4

16.5

40.5

14.8

100.0%

100.0%

Liquidity and Capital Resources 
At both December 31, 2014 and 2013 we had $9.5 million of 
cash and cash equivalents. We also had $3.0 million and 
$4.0 million in restricted cash at Gill Ranch as of December 
31, 2014 and 2013, respectively. This restricted cash is 
being held as collateral for the long-term debt outstanding. 
In order to maintain sufficient liquidity during periods when 
capital markets are volatile, we may elect to maintain higher 
cash balances and add short-term borrowing capacity. In 
addition, we may also pre-fund utility capital expenditures 
when long-term fixed rate environments are attractive. As a 
regulated entity, our issuance of equity securities and most 
forms of debt securities are subject to approval by the 
OPUC and WUTC. Our use of retained earnings is not 
subject to those same restrictions.

For the utility segment, the short-term borrowing 
requirements typically peak during colder winter months 
when the utility borrows money to cover the lag between 
natural gas purchases and bill collections from customers. 
Our short-term liquidity for the utility is primarily provided by 
cash balances, internal cash flow from operations, proceeds 
from the sale of commercial paper notes, as well as 
available cash from multi-year credit facilities, company-
owned life insurance policies, and the sale of long-term 
debt. Utility long-term debt proceeds are primarily used to 
finance utility capital expenditures, refinance maturing debt 
of the utility, and provide temporary funding for other 
general corporate purposes of the utility. 

Based on our current debt ratings (see "Credit Ratings" 
below), we have been able to issue commercial paper and 
long-term debt at attractive rates and have not needed to 
borrow or issue letters of credit from our back-up credit 
facility. In the event we are not able to issue new debt due 
to adverse market conditions or other reasons, we expect 
our near term liquidity needs can be met using internal cash 
flows or, for the utility segment, drawing upon our committed 
credit facility. We also have a universal shelf registration 
filed with the SEC for the issuance of secured and 
unsecured debt or equity securities, subject to market 
conditions and certain regulatory approvals. As of 
December 31, 2014, we have Board authorization to issue 
up to $325 million of additional FMB's. We also have OPUC 
approval to issue up to $325 million of additional long-term 
debt for approved purposes.

 
  
  
In the event our senior unsecured long-term debt ratings are 
downgraded, or our outstanding derivative position exceeds 
a certain credit threshold, our counterparties under 
derivative contracts could require us to post cash, a letter of 
credit, or other forms of collateral, which could expose us to 
additional cash requirements and may trigger increases in 
short-term borrowings while we were in a net loss position. 
We were not near the threshold for posting collateral at 
December 31, 2014. However, if the credit risk-related 
contingent features underlying these contracts were 
triggered on December 31, 2014, assuming our long-term 
debt ratings dropped to non-investment grade levels, we 
could have been required to post $27.1 million of collateral 
to our counterparties. See "Credit Ratings" below and 
Note 13. 

Other recent developments that may have a significant 
impact on our liquidity and capital resources include pension 
contribution requirements, income tax benefits from bonus 
depreciation, environmental expenditures and insurance 
recoveries. 

With respect to pensions, we expect to make significant 
contributions to our company-sponsored defined benefit 
plan, which is closed to new employees, over the next 
several years until we are fully funded under the Pension 
Protection Act rules, including the new rules issued under 
the Moving Ahead for Progress in the 21st Century Act 
(MAP-21) and the Highway and Transportation Funding Act 
of 2014 (HATFA). See "Application of Critical Accounting 
Policies—Accounting for Pensions and Postretirement 
Benefits" below. 

Regarding income tax, 50 percent bonus depreciation was 
available for a large portion of our capital expenditures in 
2012, 2013, and 2014 for both federal and Oregon. This 
generated income tax net operating losses (NOLs) in 2012 
and 2013, and reduced taxable income in 2014. This 
provided cash flow benefits and is expected to provide cash 
flow benefits in subsequent years while NOLs from these 
periods are utilized. The Company estimates that it has 
income tax NOL carryforwards of $28.8 million for federal 
and $49.4 million for Oregon at December 31, 2014. 

Concerning environmental expenditures, we expect to 
continue using cash resources to fund our environmental 
liabilities. In 2014, we received insurance settlements in 
excess of amounts spent and will begin recovering amounts 
through utility rates under the SRRM in 2015. These 
expenditures are uncertain as to the amount and timing. 
See Note 15, Note 16, and "Results of Operations—
Regulatory Matters—Environmental Costs".

Short-term liquidity for the gas storage segment is 
supported by cash balances, internal cash flow from 
operations, external financing, and funds from its parent 
company. The abundant supply of natural gas, low volatility 
of natural gas prices, and available gas storage capacity, 
particularly in California, have recently resulted in lower 
storage market prices than we have seen in previous years. 

The amount and timing of our Gill Ranch facility's cash flows 
from year to year are uncertain, as the majority of these 
storage contracts are currently short term. We contracted 
for the 2014-15 gas year at lower prices than the prior year 
and have realized higher repairs and power costs in 2014. 
Both factors contributed to negative cash flows from 
operations for 2014. We expect continuing challenges for 
Gill Ranch in 2015, however, we have seen improvement in 
pricing for the upcoming 2015-16 gas storage year. Though 
prices are still lower than our long-term contracts that 
expired during the 2013-14 gas storage year. We do not 
anticipate material changes in our ability to access sources 
of cash for short-term liquidity.

In November 2011, Gill Ranch issued $40 million of senior 
secured debt, with a fixed interest rate of 7.75% on $20 
million and a variable interest rate on the remaining $20 
million, with an original maturity date of November 30, 2016. 
Under the debt agreement, Gill Ranch is subject to certain 
covenants and restrictions. We amended the original 
agreement in April 2014 to retire the $20 million variable-
rate outstanding debt during the second quarter of 2014 and 
suspend the EBITDA covenant requirement through March 
31, 2015 with lower EBITDA hurdles thereafter. The 
amendment fixed the debt service reserve at $3 million. Gill 
Ranch retired $20 million of debt on June 6, 2014 using 
available cash and cash flows from operations, including 
cash from intercompany receivables. The remaining $20 
million of outstanding debt is secured by all of the 
membership interests in Gill Ranch and is nonrecourse to 
NW Natural and other entities of the consolidated group. We 
do not anticipate meeting the adjusted covenant 
requirements in 2015 and are working with our lender to 
negotiate an extension of the covenants or early redemption 
of the debt.

Based on several factors, including our current credit 
ratings, our commercial paper program, current cash 
reserves, committed credit facilities, and our expected ability 
to issue long-term debt in the capital markets, we believe 
the Company's liquidity is sufficient to meet anticipated 
near-term cash requirements, including all contractual 
obligations, investing, and financing activities discussed 
below.

Dividend Policy 
We have paid quarterly dividends on our common stock 
each year since stock was first issued to the public in 1951. 
Annual common stock dividend payments per share, 
adjusted for stock splits, have increased each year since 
1956. The declarations and amount of future dividends will 
depend upon our earnings, cash flows, financial condition 
and other factors. The amount and timing of dividends 
payable on our common stock is at the sole discretion of our 
Board of Directors.

Off-Balance Sheet Arrangements  
Except for certain lease and purchase commitments, we 
have no material off-balance sheet financing arrangements. 
See "Contractual Obligations" below.

40

 
Contractual Obligations
The following table shows our contractual obligations at December 31, 2014 by maturity and type of obligation:

In millions

Commercial paper

Long-term debt maturities

Interest on long-term debt
Postretirement benefit payments(1)

Capital leases

Operating leases
Gas purchases(2)

Gas pipeline capacity commitments
Other purchase commitments(3)
Other long-term liabilities(4)

Payments Due in Years Ending December 31,

2015

2016

2017

2018

2019

Thereafter

Total

$

234.7

$

— $

— $

— $

— $

— $

40.0

36.9

22.7

0.7

5.5

132.4

84.3

0.1

16.2

45.0

35.7

23.5

0.6

5.5

—

79.2

—

—

40.0

32.1

24.3

0.1

5.4

—

58.8

—

—

22.0

29.2

25.4

—

5.3

—

50.8

—

—

30.0

28.6

26.8

—

5.2

—

26.7

—

—

484.7

201.9

156.4

—

29.8

—

205.3

13.6

—

234.7

661.7

364.4

279.1

1.4

56.7

132.4

505.1

13.7

16.2

Total

2,265.4
$
(1)  Postretirement benefit payments primarily consists of two items: (1) estimated qualified defined benefit pension plan payments, which are 
funded by plan assets and future cash contributions, and (2) required payments to the Western States multiemployer pension plan due to 
the Company withdrawing from the plan in December 2013. See Note 8.

1,091.7

573.5

117.3

189.5

160.7

132.7

$

$

$

$

$

$

(2)  Gas purchases include contracts which use price formulas tied to monthly index prices, plus hedged derivative liabilities. Commitment 
amounts are based on futures prices as of December 31, 2014. For a summary of derivatives, see Note 13. For a summary of gas 
purchase and gas pipeline capacity commitments, see Note 14.

(3)  Other purchase commitments primarily consist of base gas requirements and remaining balances under existing purchase orders. 
(4)  Other long-term liabilities includes accrued vacation liabilities for management employees and deferred compensation plan liabilities for 
executives and directors. The timing of these payments are uncertain; however, these payments are unlikely to all occur in the next 12 
months.

In addition to known contractual obligations listed in the 
above table, we have also recognized liabilities for future 
environmental remediation or action. The exact timing of 
payments beyond 12 months with respect to those liabilities 
cannot be reasonably estimated due to numerous 
uncertainties surrounding the course of environmental 
remediation and the preliminary nature of site investigations. 
See Note 15 for a further discussion of environmental 
remediation cost liabilities.

At December 31, 2014, 612 of our utility employees were 
members of the Office and Professional Employees 
International Union (OPEIU) Local No. 11. On May 22, 
2014, our union employees ratified a new labor agreement 
(Joint Accord) that expires on November 30, 2019. The Joint 
Accord includes the following items: an average annualized 
compensation increase of 4% effective June 1, 2014, which 
includes a 7.9% wage increase to better reflect current 
market competitive wages, offset by a reduction in bonus 
pay opportunities for union employees; and a scheduled 3% 
wage increase effective December 1 each year thereafter, 
beginning in 2015 with the potential for up to an additional 
3% per year based on wage inflation at or above 4%. The 
Joint Accord also maintains competitive health benefits, 
including a 15% to 20% premium cost sharing by 
employees, job flexibility, and other flexibility provisions for 
the Company. 

Short-Term Debt
Our primary source of utility short-term liquidity is from 
internal cash flows and the sale of commercial paper. In 
addition to issuing commercial paper to meet working 
capital requirements, including seasonal requirements to 
finance gas purchases and accounts receivable, short-term 
debt may also be used to temporarily fund utility capital 
requirements. Commercial paper is periodically refinanced 
through the sale of long-term debt or equity securities. Our 
outstanding commercial paper, which is sold through two 
commercial banks under an issuing and paying agency 
agreement, is supported by one or more unsecured 
revolving credit facilities. See “Credit Agreements” below. At 
December 31, 2014 and 2013, our utility had commercial 
paper outstanding of $234.7 million and $188.2 million, 
respectively. The effective interest rate on the utility’s 
commercial paper outstanding at December 31, 2014 and 
2013 was 0.4% and 0.3%, respectively. 

Credit Agreements
On December 20, 2012, NW Natural entered into a five-year 
$300 million credit agreement, with a feature that allows the 
Company to request increases in the total commitment 
amount, up to a maximum of $450 million. The credit 
agreement also permits an extension of the commitments 
for two additional one-year periods, subject to lender 
approval. The Company exercised the first of these 
extensions in December 2013, and the second in December 
2014 with a final maturity date of December 20, 2019. 

41

 
 
 
 
Credit Ratings
Our credit ratings are a factor of our liquidity, potentially 
affecting our access to the capital markets including the 
commercial paper market. Our credit ratings also have an 
impact on the cost of funds and the need to post collateral 
under derivative contracts. The following table summarizes 
our current debt ratings from S&P and Moody’s:

Commercial paper (short-term debt)

Senior secured (long-term debt)

Senior unsecured (long-term debt)

Corporate credit rating

Ratings outlook

S&P

Moody's

A-1

AA-

n/a

A+

P-2

A1

A3

n/a

Stable

Stable

The above credit ratings are dependent upon a number of 
factors, both qualitative and quantitative, and are subject to 
change at any time. The disclosure of or reference to these 
credit ratings is not a recommendation to buy, sell or hold 
NW Natural securities. Each rating should be evaluated 
independently of any other rating.

Maturity and Redemption of Long-Term Debt
The following debentures were retired:

In millions

Utility First Mortgage Bonds

7.13% Series B due 2012

3.95% Series B due 2014

8.26% Series B due 2014

Subsidiary Debt

Variable-rate

Years Ended December 31,

2014

2013

2012

$

— $

— $

50

10

60

20

80

$

—

—

—

—

$

— $

40

—

—

40

—

40

All lenders under the new agreement are major financial 
institutions with committed balances and investment grade 
credit ratings as of December 31, 2014 as follows:

In millions

Lender rating, by category

Loan Commitment

AA/Aa

A/A

BBB/Baa

Total

$

$

234

66

—

300

Based on credit market conditions, it is possible one or 
more lending commitments could be unavailable to us if the 
lender defaulted due to lack of funds or insolvency; 
however, the Company does not believe this risk to be 
imminent due to the lenders' strong investment-grade credit 
ratings.

In December 2014, the Company amended the credit 
agreement to reduce the permitted letter of credit amount 
from $200 million to $100 million. Any principal and unpaid 
interest amounts owed on borrowings under the credit 
agreements is due and payable on or before the maturity 
date. There were no outstanding balances under this credit 
agreement at December 31, 2014 or 2013. The credit 
agreement requires us to maintain a consolidated 
indebtedness to total capitalization ratio of 70% or less. 
Failure to comply with this covenant would entitle the 
lenders to terminate their lending commitments and 
accelerate the maturity of all amounts outstanding. We were 
in compliance with this covenant at December 31, 2014 and 
2013, with consolidated indebtedness to total capitalization 
ratios of 53.9% and 55.3%, respectively.

The agreement also requires us to maintain credit ratings 
with Standard & Poor's (S&P) and Moody's Investors 
Service, Inc. (Moody’s) and notify the lenders of any change 
in our senior unsecured debt ratings or senior secured debt 
ratings, as applicable, by such rating agencies. A change in 
our debt ratings by S&P or Moody’s is not an event of 
default, nor is the maintenance of a specific minimum level 
of debt rating a condition of drawing upon the credit 
agreement. Rather, interest rates on any loans outstanding 
under the credit agreements are tied to debt ratings and 
therefore, a change in the debt rating would increase or 
decrease the cost of any loans under the credit agreements 
when ratings are changed. See "Credit Ratings" below.

42

 
 
 
 
 
 
 
Cash Flows

Operating Activities
Changes in our operating cash flows are primarily affected 
by net income, changes in working capital requirements, 
and other cash and non-cash adjustments to operating 
results. 

Operating activity highlights include:

In millions

2014

2013

2012

Cash provided by operating
activities

$ 215.7

$ 176.4

$ 168.8

2014 COMPARED TO 2013. The significant factors 
contributing to the $39.3 million increase in operating cash 
flows were as follows:
• 

an increase of $105.5 million in deferred environmental 
recoveries, net of expenditures reflecting the receipt of 
insurance settlements during 2014;
an increase of $41.0 million from changes in the 
accounts receivable balance, primarily due to colder 
weather in December 2013.
a decrease of $24.1 million from changes in inventory 
balances due to refilling gas storage inventory after 
colder weather in December 2013; 
a decrease of $48.1 million from changes in regulatory 
balances, an increase in pension liabilities, and an 
increase in prepaids;
a decrease of $21.7 million in deferred taxes due to the 
utilization of NOL carryforwards; and
a decrease of $17.9 million from changes in deferred 
gas costs balances, which reflected higher actual gas 
prices than prices embedded in the PGA compared to 
the prior year.

• 

• 

• 

• 

• 

2013 COMPARED TO 2012. The significant factors 
contributing to the $7.6 million increase in operating cash 
flows were as follows:
•  an increase of $15.8 million in other, net primarily due to 
inflows from changes in net regulatory balances offset by 
a decrease in pension liabilities;

•  an increase of $12.4 million from net changes in gas cost 
balances, which primarily reflects $39 million in credits 
refunded to customers in 2012;

•  an increase of $11.8 million due to lower cash 

contributions to qualified defined benefit pension plans as 
a result of new IRS funding rules, commonly referred to 
as MAP-21; 

•  an increase of $8.0 million from changes in accounts 

payable balances; and

•  an increase of $4.7 million due to changes in the 

amortization of gas reserves balance.
 Partially offsetting these increases was:
•  a decrease of $48.3 million from changes in the accounts 
receivable balance, primarily due to customer growth and 
29% colder weather in December 2013.

During the year ended December 31, 2014, we contributed 
$10.5 million to our utility's qualified defined benefit pension 
plan, compared to $11.7 million for 2013. We expect 
contribution amounts in the near-term will be less than 
previously anticipated due to the federal funding 
requirements under MAP-21 and HATFA. 

43

The amounts and timing of future contributions will depend 
on market interest rates and investment returns on the 
plans’ assets. See Note 8.

Bonus depreciation of 50 percent has been available for 
federal and Oregon purposes in 2012, 2013, and 2014. This 
generated income tax NOLs in 2012 and 2013, and reduced 
taxable income in 2014. This provided cash flow benefits in 
2012 and 2013 and is expected to provide cash flow 
benefits in subsequent years while NOL carryforwards from 
these periods are utilized. Bonus depreciation for 2014 was 
not enacted until December of 2014, when it was extended 
retroactively back to January 1, 2014. As a result, estimated 
income tax payments were made throughout 2014 without 
the benefit of bonus depreciation for the year. This reduced 
the cash flow benefit of bonus depreciation in 2014 and 
contributed to the prepaid income tax balance of $6.7 million 
and income tax receivable balance of $1.0 million, as of 
December 31, 2014. 

We have lease and purchase commitments relating to our 
operating activities that are financed with cash flows from 
operations. For information on cash flow requirements 
related to leases and other purchase commitments, see 
“Financial Condition—Contractual Obligations” above and 
Note 14.

Investing Activities
Investing activity highlights include:

In millions

2014

2013

2012

Total cash used in (provided
by) investing activities

$ 144.3

$ 182.1

$ 184.7

Capital expenditures

120.1

138.9

132.0

Proceeds from sale of
assets

Utility gas reserves

(0.2)

26.8

(8.6)

54.1

—

54.1

2014 COMPARED TO 2013. The $37.8 million decrease in 
cash used in investing activities was primarily due to lower 
investments in capital expenditures and utility gas reserves 
as NW Natural ended its original drilling program with 
Encana in 2014. See Note 11.  

2013 COMPARED TO 2012. The $2.5 million decrease in cash 
used in investing activities was due to proceeds received 
from the sale of assets. This decrease was partially offset 
by higher capital expenditures, reflecting increased 
investments for new customer acquisitions, completion of 
our Gasco Source Control water treatment station, and 
additional expenditures for system integrity and bare steel 
pipe removal.

Over the five-year period 2015 through 2019, total utility 
capital expenditures are estimated to be between $850 and 
$950 million, including the Company's proposed investment 
in an expansion of our Mist gas storage facility. The 
estimated level of utility capital expenditures over the next 
five years reflects assumptions for continued customer 
growth, technology, distribution system improvements, and 
gas storage facilities. Most of the required funds are 
expected to be internally generated over the five-year 
period, and any remaining funding will be obtained through 
a combination of long-term debt and equity security 

issuances, with short-term debt providing liquidity and 
bridge financing. 

In 2015, utility capital expenditures are estimated to be 
between $140 and $150 million, and non-utility capital 
investments are estimated to be less than $10 million. Gas 
storage segment capital expenditures in 2015 are expected 
to be paid from working capital and additional equity 
contributions from NW Natural as needed.

Financing Activities
Financing activity highlights include:

In millions

2014

2013

2012

Total cash provided by (used
in) financing activities

$

(71.3) $

6.3

$

Change in short-term debt

Change in long-term debt

46.5

(80.0)

(2.1)

50.0

18.9

48.7

10.0

2014 COMPARED TO 2013. The $77.6 million decrease in 
cash provided by financing activities was primarily due to 
using the proceeds from our insurance settlements of $103 
million to redeem $60 million of long-term utility debt. In 
addition, Gill Ranch retired $20 million of variable interest 
rate debt.

2013 COMPARED TO 2012. The $12.6 million decrease in 
cash provided by financing activities was primarily due to 
changes in our short-term debt balances, which decreased 
$2.1 million in 2013 compared to an increase of $48.7 
million in 2012. This decrease was partially offset by 
changes in our long-term debt balances due to $40 million 
of long-term debt retired in 2012. We continue to use long-
term debt proceeds to finance capital expenditures, 
refinance maturing short-term or long-term debt maturities, 
and to fund other general corporate purposes.

PENSION COST AND FUNDING STATUS OF QUALIFIED 
RETIREMENT PLANS. Pension costs are determined in 
accordance with accounting standards for compensation 
and retirement benefits. See “Application of Critical 
Accounting Policies and Estimates – Accounting for 
Pensions and Postretirement Benefits” below. Pension 
expense for our qualified defined benefit plan, which is 
allocated between operation and maintenance expenses, 
capital expenditures, and the deferred regulatory balancing 
account, totaled $14.2 million in 2014, a decrease of $7.3 
million from 2013. The fair market value of pension assets in 
this plan increased to $279.2 million at December 31, 2014 
from $267.1 million at December 31, 2013. The increase 
was due to a return on plan assets of $20.0 million plus 
$10.5 million in employer contributions, partially offset by 
benefit payments of $18.4 million.

We make contributions to the company-sponsored qualified 
defined benefit pension plan based on actuarial 
assumptions and estimates, tax regulations and funding 
requirements under federal law. Our qualified defined 
benefit pension plan was underfunded by $172.0 million at 
December 31, 2014. We plan to make contributions during 
2015 of $15 million. See Note 8 for further pension 
disclosures.

Ratios of Earnings to Fixed Charges
For the years ended December 31, 2014, 2013, and 2012, 
our ratios of earnings to fixed charges, computed using the 
Securities and Exchange Commission (SEC) method, 
were 3.13, 3.16, and 3.26, respectively. For this purpose, 
earnings consist of net income before taxes plus fixed 
charges, and fixed charges consist of interest on all 
indebtedness, the amortization of debt expense and 
discount or premium and the estimated interest portion of 
rentals charged to income. See Exhibit 12 for the detailed 
ratio calculation.

Contingent Liabilities
Loss contingencies are recorded as liabilities when it is 
probable that a liability has been incurred and the amount of 
the loss is reasonably estimable in accordance with 
accounting standards for contingencies. See “Application of 
Critical Accounting Policies and Estimates” below. At 
December 31, 2014, we had a net regulatory asset of $58.9 
million for deferred environmental costs, which included 
$95.5 million for additional costs expected to be paid in the 
future and $19.7 million of accrued interest. Additionally, in 
2014, a settlement was reached in our environmental 
insurance recovery litigation, and NW Natural received $103 
million in recoveries for a cumulative total of approximately 
$150 million. The regulatory asset for deferred 
environmental costs is calculated net of insurance 
reimbursements. In February 2015, the OPUC issued an 
order regarding the Site Remediation and Recovery 
Mechanism (SRRM) for recovering prudently incurred 
environmental site remediation costs through customer 
billings, subject to an earnings test. The order applied an 
earnings test to a historical period 2003 through 2012 that 
resulted in a regulatory disallowance of $15 million pre-tax 
to be recorded in the first quarter of 2015. See Note 15, 
Note 16, and "Results of Operations—Regulatory Matters—
Rate Mechanisms—Environmental Costs" above.

New Accounting Pronouncements 
For a description of recent accounting pronouncements that 
may have an impact on our financial condition, results of 
operations or cash flows, see Note 2.

44

  
APPLICATION OF CRITICAL ACCOUNTING POLICIES 
AND ESTIMATES

In preparing our financial statements using GAAP, 
management exercises judgment in the selection and 
application of accounting principles, including making 
estimates and assumptions that affect reported amounts of 
assets, liabilities, revenues, expenses and related 
disclosures in the financial statements. Management 
considers our critical accounting policies to be those which 
are most important to the representation of our financial 
condition and results of operations and which require 
management’s most difficult and subjective or complex 
judgments, including accounting estimates that could result 
in materially different amounts if we reported under different 
conditions or used different assumptions. Our most critical 
estimates and judgments include accounting for:
•  regulatory accounting;
•  revenue recognition;
•  derivative instruments and hedging activities;
•  pensions and postretirement benefits;
•  income taxes; and
•  environmental contingencies.

Management has discussed its current estimates and 
judgments used in the application of critical accounting 
policies with the Audit Committee of the Board. Within the 
context of our critical accounting policies and estimates, 
Management is not aware of any reasonably likely events or 
circumstances that would result in materially different 
amounts being reported. For a description of recent 
accounting pronouncements that could have an impact on 
our financial condition, results of operations or cash flows, 
see Note 2.

Regulatory Accounting
Our utility is regulated by the OPUC and WUTC, which 
establish the rates and rules governing utility services 
provided to customers, and, to a certain extent, set forth 
special accounting treatment for certain regulatory 
transactions. In general, we use the same accounting 
principles as non-regulated companies reporting under 
GAAP. However, authoritative guidance for regulated 
operations (regulatory accounting) requires different 
accounting treatment for regulated companies to show the 
effects of such regulation. For example, we account for the 
cost of gas using a PGA deferral and cost recovery 
mechanism, which is submitted for approval annually to the 
OPUC and WUTC. See "Results of Operations—Regulatory 
Matters—Rate Mechanisms—Purchased Gas Adjustment" 
above. There are other expenses and revenues that the 
OPUC or WUTC may require us to defer for recovery or 
refund in future periods. Regulatory accounting requires us 
to account for these types of deferred expenses (or deferred 
revenues) as regulatory assets (or regulatory liabilities) on 
the balance sheet. When we are allowed to recover these 
regulatory assets from, or are required to refund regulatory 
liabilities to, customers, we recognize the expense or 
revenue on the income statement at the same time we 
realize the adjustment to amounts included in utility rates 
charged to customers.

The conditions we must satisfy to adopt the accounting policies 
and practices of regulatory accounting include:
an independent regulator sets rates;
• 
the  regulator  sets  the  rates  to  cover  specific  costs  of 
• 
delivering service; and
the service territory lacks competitive pressures to reduce 
rates below the rates set by the regulator. 

• 

Because our utility satisfies all three conditions, we continue 
to apply regulatory accounting to our utility operations. 
Future accounting changes, regulatory changes or changes 
in the competitive environment could require us to 
discontinue the application of regulatory accounting for 
some or all of our regulated businesses. This would require 
the write-off of those regulatory assets and liabilities that 
would no longer be probable of recovery from or refund to 
customers. 

Based on current accounting and regulatory competitive 
conditions, we believe it is reasonable to expect continued 
application of regulatory accounting for our utility activities. 
Further, it is reasonable to expect the recovery or refund of 
our regulatory assets and liabilities at December 31, 2014 
through future customer rates. If we should determine all or 
a portion of these regulatory assets or liabilities no longer 
meet the criteria for continued application of regulatory 
accounting, then we would be required to write-off the net 
unrecoverable balances against earnings in the period such 
determination is made. The net balance in regulatory asset 
and liability accounts as of December 31, 2014 and 2013 
was $101.2 million and $60.4 million, respectively. See Note 
2 "Industry Regulation". See Note 16 for information 
regarding the resolution of the environmental Site 
Remediation and Recovery Mechanism (SRRM) in February 
2015 and a $15 million pre-tax regulatory disallowance to be 
recognized in the first quarter of 2015.

Revenue Recognition 
Utility and non-utility revenues, which are derived primarily 
from the sale, transportation, and storage of natural gas, are 
recognized upon the delivery of gas commodity or services 
rendered to customers. 

Accrued Unbilled Revenue 
For a description of our policy regarding accrued unbilled 
revenue for both the utility and non-utility revenues, see 
Note 2. The following table presents changes in key metrics 
if the estimated percentage of unbilled volume at December 
31 was adjusted up or down by 1%:

In millions

Unbilled revenue increase (decrease)
Utility margin increase (decrease)(1)

Net income increase (decrease)
(1) 

Includes impact of regulatory mechanisms including decoupling 
mechanism.

2014

Up 1%

Down 1%

$

0.6

$

(0.6)

—

—

—

—

Derivative Instruments and Hedging Activities  
Our gas acquisition and hedging policies set forth guidelines 
for using financial derivative instruments to support prudent 
risk management strategies. These policies specifically 
prohibit the use of derivatives for trading or speculative 
purposes. The accounting rules for determining whether a 

45

 
  
contract meets the definition of a derivative instrument or 
qualifies for hedge accounting treatment are complex. The 
contracts that meet the definition of a derivative instrument 
are recorded on our balance sheet at fair value. If certain 
regulatory conditions are met, then the derivative instrument 
fair value is recorded together with an offsetting entry to a 
regulatory asset or liability account pursuant to regulatory 
accounting (see Note 2, "Industry Regulation"), and no 
unrealized gain or loss is recognized in current income. The 
gain or loss from the fair value of a derivative instrument 
subject to regulatory deferral is included in the recovery 
from, or refund to, utility customers in future periods (see 
"Regulatory Accounting", above). If a derivative contract is 
not subject to regulatory deferral, then the accounting 
treatment for unrealized gains and losses is recorded in 
accordance with accounting standards for derivatives and 
hedging (see Note 2, "Derivatives” and "Industry 
Regulation") which is either in current income or in 
accumulated other comprehensive income (AOCI) under 
common stock equity on the balance sheet. Our derivative 
contracts outstanding at December 31, 2014 were 
measured at fair value using models or other market 
accepted valuation methodologies derived from observable 
market data. Our estimate of fair value may change 
significantly from period-to-period depending on market 
conditions and prices. These changes may have an impact 
on our results of operations, but the impact would largely be 
mitigated due to the majority of our derivative activities 
being subject to regulatory deferral treatment. For estimated 
fair value of unrealized gains and losses, see Note 13.

The following table summarizes the amount of gains and 
losses realized from commodity price transactions for the 
last three years:

In millions

2014

2013

2012

Net utility gain (loss) on:

Commodity

Swaps

Options

Total net gain (loss)
realized

$

$

10.5

$

(11.0) $

(69.5)

—

—

(0.7)

10.5

$

(11.0) $

(70.2)

Realized losses from commodity hedges shown above were 
recorded as increases to cost of gas and were included in 
our annual PGA rates.

Pensions and Postretirement Benefits
We maintain a qualified non-contributory defined benefit 
pension plan, non-qualified supplemental pension plans for 
eligible executive officers and certain key employees, and 
other postretirement employee benefit plans covering 
certain non-union employees. We also have a qualified 
defined contribution plan (Retirement K Savings Plan) for all 
eligible employees. Only the qualified defined benefit 
pension plan and Retirement K Savings Plan have plan 
assets, which are held in qualified trusts to fund the 
respective retirement benefits. The qualified defined benefit 
retirement plan for union and non-union employees was 
closed to new participants several years ago. These plans 
are not available to employees at any of our subsidiary 
companies. Non-union and union employees hired or re-
hired after December 31, 2006 and 2009, respectively, and 
employees of NW Natural subsidiaries are provided an 

46

enhanced Retirement K Savings Plan benefit. The 
postretirement Welfare Benefit Plan for non-union 
employees was also closed to new participants several 
years ago.

Net periodic pension and postretirement benefit costs 
(retirement benefit costs) and projected benefit obligations 
(benefit obligations) are determined using a number of key 
assumptions including discount rates, rate of compensation 
increases, retirement ages, mortality rates and an expected 
long-term return on plan assets. See Note 8. These key 
assumptions have a significant impact on the pension 
amounts recorded and disclosed. Retirement benefit costs 
consist of service costs, interest costs, the amortization of 
actuarial gains, losses and prior service costs, the expected 
returns on plan assets and, in part, on a market-related 
valuation of assets, if applicable. The market-related asset 
valuation reflects differences between expected returns and 
actual investment returns, which we recognize over a three-
year period or less from the year in which they occur, 
thereby reducing year-to-year volatility in retirement benefit 
costs.

Accounting standards also require balance sheet 
recognition of the overfunded or underfunded status of 
pension and postretirement benefit plans in AOCI or AOCL, 
net of tax, based on the fair value of plan assets compared 
to the actuarial value of future benefit obligations. However, 
the retirement benefit costs related to our qualified defined 
benefit pension and postretirement benefit plans are 
generally recovered in utility rates, which are set based on 
accounting standards for pensions and postretirement 
benefit expenses. As such, we received approval from the 
OPUC to recognize the overfunded or underfunded status 
as a regulatory asset or regulatory liability based on 
expected rate recovery, rather than including it as AOCI or 
AOCL under common equity. See "Regulatory Accounting" 
above and Note 2, "Industry Regulation".

In 2011, we received regulatory approval from the OPUC 
and began deferring a portion of our pension expense 
above or below the amount set in rates to a regulatory 
balancing account on the balance sheet. At December 31, 
2014, the cumulative amount deferred for future pension 
cost recovery was $32.5 million. The regulatory balancing 
account includes the recognition of accrued interest on the 
account balance at the utility's authorized rate of return, with 
the equity portion of this interest being deferred until 
amounts are collected in rates. 

A number of factors, as discussed above, are considered in 
developing pension and postretirement benefit assumptions. 
For the December 31, 2014 measurement date, we 
reviewed and updated:
• 

our weighted-average discount rate assumptions for 
pensions went from 4.73% for 2013 to 3.85% for 2014, 
and our weighted-average discount rate assumptions 
for other postretirement benefits went from 4.45% for 
2013 to 3.74% for 2014. The new rate assumptions 
were determined for each plan based on a matching of 
benchmark interest rates to the estimated cash flows, 
which reflect the timing and amount of future benefit 
payments. Benchmark interest rates are drawn from the 
Citigroup Above Median Curve, which consists of high 

  
quality bonds rated AA- or higher by S&P or Aa3 or 
higher by Moody’s;
our expected annual rate of future compensation 
increases, which remained unchanged at a range of 
3.25% to 5.0%;
our expected long-term return on qualified defined 
benefit plan assets, which remained unchanged at a 
rate of 7.50%; 
our mortality rate assumptions were updated to the new 
RP 2014 combined tables for the pension and 
postretirement benefit plans. This assumption is used 
to calculate life expectancies for participants in the 
plan. The new RP 2014 tables assume greater life 
expectancy which increased the projected benefit 
obligations of the plans; and
other key assumptions, which were based on actual 
plan experience and actuarial recommendations.

• 

• 

• 

• 

At December 31, 2014, our net pension liability (benefit 
obligations less market value of plan assets) for the 
qualified defined benefit plan increased $76.7 million 
compared to 2013. The increase in our net pension liability 
is primarily due to the $88.8 million increase in our pension 
benefit obligation and an increase of $12.1 million in plan 
assets. The liability for non-qualified plans increased $7.4 
million, and the liability for other postretirement benefits 
increased $3.3 million in 2014.

We determine the expected long-term rate of return on plan 
assets by averaging the expected earnings for the target 
asset portfolio. In developing our expected return, we 
analyze historical actual performance and long-term return 
projections, which gives consideration to the current asset 
mix and our target asset allocation. As of December 31, 
2014, the actual annualized returns on plan assets, net of 
management fees, for the past one-year, five-years, and 10-
years were 7.9%, 8.0%, and 5.1%, respectively.

We believe our pension assumptions to be appropriate 
based on plan design and an assessment of market 
conditions. However, the following shows the sensitivity of 
our retirement benefit costs and benefit obligations to 
changes in certain actuarial assumptions:

Change in
Assumption

(0.25)%

Impact on
2014
Retirement
Benefit
Costs

Impact on
Retirement
Benefit
Obligations
at Dec. 31,
2014

$

1.4

$

—

0.1

16.3

1.0

1.0

(0.25)

0.7

N/A

Dollars in millions

Discount rate:

Qualified defined
benefit plans

Non-qualified plans

Other
postretirement
benefits

Expected long-term
return on plan assets:

Qualified defined
benefit plans

In July 2012, President Obama signed into law the MAP-21 
Act. This legislation changed several provisions affecting 
pension plans, including temporary funding relief and 
Pension Benefit Guaranty Corporation (PBGC) premium 

47

increases, which reduces the level of minimum required 
contributions in the near-term but generally increases 
contributions in the long-run as well as increasing the 
operational costs of running a pension plan. Prior to the 
MAP-21 Act, we were using interest rates based on a 24-
month average yield of investment grade corporate bonds 
(also referred to as "segment rate") to calculate minimum 
contribution requirements. MAP-21 Act established a new 
minimum and maximum corridor for segment rates based 
on a 25-year average of bond yields, which is to be used in 
calculating contribution requirements. In August 2014, 
HATFA was signed and extends certain aspects of MAP-21 
as well as modifies the phase-out periods for the limitations. 
As a result we anticipate lower contributions over the next 
five years with contributions increasing thereafter.

Income Taxes

Valuation Allowances 
We recognize deferred tax assets to the extent that we 
believe these assets are more likely than not to be realized. 
In making such a determination, we consider the available 
positive and negative evidence, including future reversals of 
existing taxable temporary differences, projected future 
taxable income, tax-planning strategies, and results of 
recent operations. The most significant deferred tax assets 
currently recorded represent income tax net operating loss 
carryforwards and alternative minimum tax credits. We have 
determined that we are more likely than not to realize all 
recorded deferred tax assets as of December 31, 2014. See 
Note 9.

Uncertain Tax Benefits 
The calculation of our tax liabilities involves dealing with 
uncertainties in the application of complex tax laws and 
regulations in the jurisdictions in which we operate. A tax 
benefit from a material uncertain tax position will only be 
recognized when it is more likely than not that the position, 
or some portion thereof, will be sustained upon examination, 
including resolution of any related appeals or litigation 
processes, on the basis of the technical merits. The 
Company participates in the Compliance Assurance 
Program (CAP) with the Internal Revenue Service (IRS). 
Under the CAP program the Company works with the IRS to 
identify and resolve material tax matters before the federal 
income tax return is filed each year. No reserves for 
uncertain tax benefits were recorded during 2012, 2013, or 
2014. See Note 9.

Regulatory Matters 
Regulatory tax assets and liabilities are recorded to the 
extent we believe they will be recoverable from, or refunded 
to, customers in future rates. As part of the 2012 Oregon 
general rate case, the OPUC ruled that we cannot recover 
deferred amounts that represent the increase in deferred 
income taxes caused by the 2009 Oregon tax rate change. 
As a result, we recognized an after-tax charge of $2.7 
million in 2012 to write off the regulatory asset related to this 
rate change. At December 31, 2014 and 2013, we have 
regulatory income tax assets of $51.8 million and $56.2 
million, respectively, representing future rate recovery of 
deferred tax liabilities resulting from differences in utility 
plant financial statement and tax basis and utility plant 
removal costs. These deferred tax liabilities, and the 

  
associated regulatory income tax assets, are currently being 
recovered through customer rates. See Note 2.

monthly re-pricing, a strategy that is intended to 
substantially mitigate credit exposure to our physical gas 
counterparties.

Tax Legislation 
When significant proposed or enacted changes in income 
tax rules occur we consider whether there may be a 
material impact to our financial position, results of 
operations, cash flows, or whether the changes could 
materially affect existing assumptions used in making 
estimates of tax related balances. 

The final tangible property regulations applicable to all 
taxpayers were issued on September 13, 2013 and are 
generally effective for taxable years beginning on or after 
January 1, 2014. In addition procedural guidance related to 
the regulations was issued under which taxpayers may 
make accounting method changes to comply with the 
regulations. We have evaluated the regulations and do not 
anticipate any material impact. However, unit-of-property 
guidance applicable to natural gas distribution networks has 
not yet been issued and is expected in 2015. We will further 
evaluate the effect of these regulations after this guidance is 
issued, but believe our current method is materially 
consistent with the new regulations and do not expect these 
regulations to have a material effect on our financial 
statements.

The Federal Tax Increase Prevention Act of 2014, signed 
into law on December 19, 2014, retroactively extended for 
one year various temporary income tax deductions, credits, 
and incentives that expired at the end of 2013, including 50 
percent bonus depreciation for certain qualifying property 
placed in service through 2014. See "Financial Conditions—
Cash Flows" above.

Environmental Contingencies  
We account for environmental liabilities in accordance with 
accounting standards under the loss contingency guidance 
when it is probable that a liability has been incurred and the 
amount of the loss is reasonably estimable. For a complete 
discussion of our environmental policy see Note 2. For a 
discussion of our current environmental sites and liabilities 
see Note 15 and "Contingent Liabilities" above. In addition, 
for information regarding the regulatory treatment of these 
costs and our regulatory recovery mechanism, see "Results 
of Operations—Rate Matters—Rate Mechanisms—
Environmental Costs" above.

ITEM 7A. QUANTITATIVE AND QUALITATIVE 
DISCLOSURES ABOUT MARKET RISK

We are exposed to various forms of market risk including 
commodity supply risk, commodity price risk, interest rate 
risk, foreign currency risk, credit risk and weather risk. The 
following describes our exposure to these risks.

Commodity Supply Risk
We enter into spot, short-term, and long-term natural gas 
supply contracts, along with associated pipeline 
transportation contracts, to manage our commodity supply 
risk. Historically, we have arranged for physical delivery of 
an adequate supply of gas, including gas in our Mist storage 
and off-system storage facilities, to meet expected 
requirements of our core utility customers. Our gas 
purchase contracts are primarily index-based and subject to 

48

Commodity Price and Storage Value Risk
Natural gas commodity prices and storage values are 
subject to market fluctuations due to unpredictable factors 
including weather, pipeline transportation congestion, drilling 
technologies, potential market speculation, and other factors 
that affect supply and demand. We also manage commodity 
price risk with physical gas reserves from a long-term 
investment in working interests in gas leases operated by 
Jonah Energy. These financial hedge contracts and gas 
reserves volumes are generally included in our annual PGA 
filing for recovery, subject to a regulatory prudence review. 

Interest Rate Risk
We are exposed to interest rate risk primarily associated 
with new debt financing needed to fund capital 
requirements, including future contractual obligations and 
maturities of long-term and short-term debt. Interest rate risk 
is primarily managed through the issuance of fixed-rate debt 
with varying maturities. We may also enter into financial 
derivative instruments, including interest rate swaps, options 
and other hedging instruments, to manage and mitigate 
interest rate exposure.

Foreign Currency Risk
The costs of certain natural gas commodity supplies and 
certain pipeline and off-system storage services purchased 
from Canadian suppliers are subject to changes in the value 
of the Canadian currency in relation to the U.S. currency. 
Foreign currency forward contracts are used to hedge 
against fluctuations in exchange rates for our commodity 
and commodity-related demand and reservation charges 
paid in Canadian dollars. If all of the foreign currency 
forward contracts had been settled on December 31, 2014, 
a loss of $0.4 million would have been realized. 
See Note 13.

Credit Risk
CREDIT EXPOSURE TO NATURAL GAS SUPPLIERS. Certain 
gas suppliers have either relatively low credit ratings or are 
not rated by major credit rating agencies. To manage this 
supply risk, we purchase gas from a number of different 
suppliers at liquid exchange points. We evaluate and 
monitor suppliers’ creditworthiness and maintain the ability 
to require additional financial assurances, including 
deposits, letters of credit, or surety bonds, in case a supplier 
defaults. In the event of a supplier’s failure to deliver 
contracted volumes of gas, the regulated utility would need 
to replace those volumes at prevailing market prices, which 
may be higher or lower than the original transaction prices. 
We expect these costs would be subject to our PGA sharing 
mechanism discussed above. Since most of our commodity 
supply contracts are priced at the monthly market index 
price tied to liquid exchange points, and we have adequate 
storage flexibility, we believe it is unlikely a supplier default 
would have a material adverse effect on our financial 
condition or results of operations.

CREDIT EXPOSURE TO FINANCIAL DERIVATIVE 
COUNTERPARTIES. Based on estimated fair value at 
December 31, 2014, our overall credit exposure relating to 
commodity contracts is considered immaterial as it reflects 

  
  
  
 
  
amounts owed to financial derivative counterparties (see 
table below). However, changes in natural gas prices could 
result in counterparties owing us money. Therefore, our 
financial derivatives policy requires counterparties to have 
at least an investment-grade credit rating at the time the 
derivative instrument is entered into and specific limits on 
the contract amount and duration based on each 
counterparty’s credit rating. Due to potential changes in 
market conditions and credit concerns, we continue to 
enforce strong credit requirements. We actively monitor and 
manage our derivative credit exposure and place 
counterparties on hold for trading purposes or require cash 
collateral, letters of credit, or guarantees as circumstances 
warrant. As of December 31, 2014, we do not have any 
actual derivative credit risk exposure for amounts financial 
derivative counterparties owe to us.

The following table summarizes our overall financial swap 
and option credit exposure, based on estimated fair value, 
and the corresponding counterparty credit ratings. The table 
uses credit ratings from S&P and Moody’s, reflecting the 
higher of the S&P or Moody’s rating or a middle rating if the 
entity is split-rated with more than one rating level 
difference:

In millions

AAA/Aaa

AA/Aa

A/A

BBB/Baa

Total

Financial Derivative Position by Credit Rating
Unrealized Fair Value Gain (Loss)

2014

2013

$

$

— $

(27.2)

(3.4)

—

(30.6) $

—

4.5

0.9

—

5.4

In most cases, we also mitigate the credit risk of financial 
derivatives by having master netting arrangements with our 
counterparties which provide for making or receiving net 
cash settlements. Generally, transactions of the same type 
in the same currency that have settlement on the same day 
with a single counterparty are netted and a single payment 
is delivered or received depending on which party
is due funds.

Additionally we have master contracts in place with each 
of our derivative counterparties that include provisions for 
posting or calling for collateral. Generally we can obtain 
cash or marketable securities as collateral with one day’s 
notice. We use various collateral management strategies to 
reduce liquidity risk. The collateral provisions vary by 
counterparty but are not expected to result in the significant 
posting of collateral, if any. We have performed stress tests 
on the portfolio and concluded the liquidity risk from 
collateral calls is not material. Our derivative credit exposure 
is primarily with investment grade counterparties rated AA-/
Aa3 or higher. Contracts are diversified across 
counterparties to reduce credit and liquidity risk.

CREDIT EXPOSURE TO INSURANCE COMPANIES. 
Our credit exposure to insurance companies for loss or 
damage claims could be material. We regularly monitor the 
financial condition of insurance companies who provide 
general liability insurance policy coverage to NW Natural 
and its predecessors.

Weather Risk 
We are exposed to weather risk primarily from our regulated 
utility business. A large percentage of our utility margin is 
volume driven, and current rates are based on an 
assumption of average weather. We have a weather 
normalization mechanism in Oregon for residential and 
commercial customers, which is intended to stabilize the 
recovery of our utility’s fixed costs and reduce fluctuations in 
customers’ bills due to colder or warmer than average 
weather. Customers in Oregon are allowed to opt out of the 
weather normalization mechanism. As of December 31, 
2014, approximately 7% of our Oregon customers had 
opted out. In addition to the Oregon customers opting out, 
our Washington residential and commercial customers 
account for approximately 11% of our total customer base 
and are not covered by weather normalization. The 
combination of Oregon and Washington customers not 
covered by a weather normalization mechanism is less than 
20% of all residential and commercial customers. See 
"Results of Operations—Regulatory Matters—Rate 
Mechanism—Weather Normalization Tariff" above.

49

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

TABLE OF CONTENTS

1.

2.

3.

4.

5.

Management's Report on Internal Control Over Financial Reporting

Report of Independent Registered Public Accounting Firm

Consolidated Financial Statements:

Consolidated Statements of Comprehensive Income for the Years Ended December 31, 2014, 2013, and 2012

Consolidated Balance Sheets at December 31, 2014 and 2013

Consolidated Statements of Shareholders’ Equity for the Years Ended December 31, 2014, 2013, and 2012

Consolidated Statements of Cash Flows for the Years Ended December 31, 2014, 2013, and 2012

Notes to Consolidated Financial Statements

Quarterly Financial Information (Unaudited)

Supplementary Data for the Years Ended December 31, 2014, 2013, and 2012:

Financial Statement Schedule

Schedule II – Valuation and Qualifying Accounts and Reserves

Supplemental Schedules Omitted

Page

51

52

53

54

56

57

58

86

86

All other schedules are omitted because of the absence of the conditions under which they are required or because the required 
information is included elsewhere in the financial statements.

50

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

Management is responsible for establishing and maintaining adequate internal control over financial reporting as defined in 
Rules 13a-15(f) or 15d-15(f) under the Securities Exchange Act of 1934, as amended. Our internal control over financial 
reporting is designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of 
financial statements for external purposes in accordance with generally accepted accounting principles in the United States of 
America (GAAP). Our internal control over financial reporting includes those policies and procedures that:

(i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions 
involving company assets;

(ii) provide reasonable assurance that transactions are recorded as necessary to permit the preparation of financial statements 
in accordance with GAAP, and that receipts and expenditures are being made only in accordance with authorizations of 
management and the Board of Directors; and

(iii) provide reasonable assurance regarding prevention or timely detection of the unauthorized acquisition, use or disposition of 
our assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements or fraud. 
Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate 
because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Management assessed the effectiveness of our internal control over financial reporting as of December 31, 2014. In making this 
assessment, management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway 
Commission (COSO) in Internal Control-Integrated Framework (2013).

Based on our assessment and those criteria, management has concluded that we maintained effective internal control over 
financial reporting as of December 31, 2014.

The effectiveness of internal control over financial reporting as of December 31, 2014 has been audited by 
PricewaterhouseCoopers LLP, an independent registered public accounting firm, as stated in their report which appears in this 
annual report.

/s/ Gregg S. Kantor        
Gregg S. Kantor
President and Chief Executive Officer

/s/ Stephen P. Feltz     
Stephen P. Feltz
Senior Vice President and Chief Financial Officer

February 27, 2015

51

 
 
 
  
 
 
 
 
  
 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Shareholders of
Northwest Natural Gas Company:

In our opinion, the consolidated financial statements listed in the accompanying table of contents present fairly, in all material 
respects, the financial position of Northwest Natural Gas Company and its subsidiaries at December 31, 2014 and 2013, and the 
results of their operations and their cash flows for each of the three years in the period ended December 31, 2014 in conformity 
with accounting principles generally accepted in the United States of America. In addition, in our opinion, the financial statement 
schedule listed in the accompanying table of contents presents fairly, in all material respects, the information set forth therein 
when read in conjunction with the related consolidated financial statements. Also in our opinion, the Company maintained, in all 
material respects, effective internal control over financial reporting as of December 31, 2014, based on criteria established in 
Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway 
Commission (COSO). The Company's management is responsible for these financial statements and financial statement 
schedule, for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal 
control over financial reporting, included in the accompanying Management's Report on Internal Control over Financial 
Reporting. Our responsibility is to express opinions on these financial statements, on the financial statement schedule, and on 
the Company's internal control over financial reporting based on our integrated audits. We conducted our audits in accordance 
with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan 
and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement 
and whether effective internal control over financial reporting was maintained in all material respects. Our audits of the financial 
statements included examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, 
assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial 
statement presentation. Our audit of internal control over financial reporting included obtaining an understanding of internal 
control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and 
operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other 
procedures as we considered necessary in the circumstances. We believe that our audits provide a reasonable basis for our 
opinions.

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the 
reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally 
accepted accounting principles. A company’s internal control over financial reporting includes those policies and procedures that 
(i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions 
of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit 
preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and 
expenditures of the company are being made only in accordance with authorizations of management and directors of the 
company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or 
disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate 
because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

/s/ PricewaterhouseCoopers LLP

Portland, Oregon
February 27, 2015 

52

 
  
 
 
 
NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

In thousands, except per share data

Operating revenues

Operating expenses:

Cost of gas

Operations and maintenance

General taxes

Depreciation and amortization

Total operating expenses

Income from operations

Other income and expense, net

Interest expense, net

Income before income taxes

Income tax expense

Net income

Other comprehensive income:

Change in employee benefit plan liability, net of taxes of $2,857 for 2014,
($1,304) for 2013, and $1,339 for 2012
Amortization of non-qualified employee benefit plan liability, net of taxes of ($438)
for 2014, ($608) for 2013, and ($434) for 2012

Comprehensive income

Average common shares outstanding:

Basic

Diluted

Earnings per share of common stock:

Basic

Diluted

Dividends declared per share of common stock

Year Ended December 31,

2014

2013

2012

$ 754,037

$ 758,518

$ 730,607

365,490

136,982

29,407

79,193

611,072

142,965

1,933

44,563

373,298

136,613

29,956

75,905

615,772

142,746

4,669

45,172

355,335

129,477

30,598

73,017

588,427

142,180

3,159

43,157

100,335

102,243

102,182

41,643

58,692

41,705

60,538

43,403

58,779

(4,364)

1,998

(2,156)

646

935

665

$

54,974

$

63,471

$

57,288

27,164

27,223

26,974

27,027

26,831

26,907

$

$

2.16

2.16

1.85

$

2.24

2.24

1.83

2.19

2.18

1.79

See Notes to Consolidated Financial Statements

53

NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED BALANCE SHEETS

In thousands

Assets:

Current assets:

Cash and cash equivalents

Accounts receivable

Accrued unbilled revenue

Allowance for uncollectible accounts

Regulatory assets

Derivative instruments

Inventories

Gas reserves

Income taxes receivable

Deferred tax assets

Other current assets

Total current assets

Non-current assets:

Property, plant, and equipment

Less: Accumulated depreciation

Total property, plant, and equipment, net

Gas reserves

Regulatory assets

Derivative instruments

Other investments

Restricted cash

Other non-current assets

Total non-current assets

Total assets

As of December 31,

2014

2013

$

9,534

$

69,818

57,963

(969)

68,562

243

77,832

20,020

1,000

23,785

34,772

9,471

81,889

61,527

(1,656)

22,635

5,311

60,669

20,646

3,534

45,241

21,181

362,560

330,448

2,992,560

2,918,739

870,967

855,865

2,121,593

2,062,874

129,280

368,908

—

68,238

3,000

11,366

121,998

369,603

1,880

67,851

4,000

12,257

2,702,385

2,640,463

$

3,064,945

$

2,970,911

See Notes to Consolidated Financial Statements

54

NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED BALANCE SHEETS

In thousands

Liabilities and equity:

Current liabilities:

Short-term debt

Current maturities of long-term debt

Accounts payable

Taxes accrued

Interest accrued

Regulatory liabilities

Derivative instruments

Other current liabilities

Total current liabilities

Long-term debt

Deferred credits and other non-current liabilities:

Deferred tax liabilities

Regulatory liabilities

Pension and other postretirement benefit liabilities

Derivative instruments

Other non-current liabilities

Total deferred credits and other non-current liabilities

Commitments and contingencies (see Note 14 and Note 15)

Equity:

Common stock - no par value; authorized 100,000 shares; issued and outstanding 27,284
and 27,075 at December 31, 2014 and 2013, respectively

Retained earnings

Accumulated other comprehensive loss

Total equity

Total liabilities and equity

See Notes to Consolidated Financial Statements

As of December 31,

2014

2013

$

234,700

$

188,200

40,000

91,366

10,031

6,079

19,105

29,894

38,235

469,410

621,700

530,965

317,205

236,735

3,515

118,094

60,000

96,126

10,856

7,103

28,335

1,891

40,280

432,791

681,700

532,036

303,485

149,354

615

119,058

1,206,514

1,104,548

—

—

375,117

402,280

(10,076)

767,321

364,549

393,681

(6,358)

751,872

$

3,064,945

$

2,970,911

55

 
NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

In thousands

Balance at December 31, 2011

   Comprehensive income (loss)

   Dividends paid on common stock

   Tax expense from employee stock option plan

   Stock-based compensation

   Issuance of common stock

Balance at December 31, 2012

   Comprehensive income

   Dividends paid on common stock

   Tax expense from employee stock option plan

   Stock-based compensation

   Issuance of common stock

Balance at December 31, 2013

   Comprehensive income (loss)

   Dividends paid on common stock

   Tax expense from stock-based compensation plans

   Stock-based compensation

   Issuance of common stock

Balance at December 31, 2014

Common
Stock

Retained
Earnings

Accumulated
Other
Comprehensive
Income (Loss)

Total
Equity

$

348,383

$

371,575

$

(7,800) $

712,158

—

—

(149)

1,291

7,046

356,571

—

—

(242)

2,169

6,051

364,549

—

—

(117)

1,646

9,039

58,779

(48,007)

—

—

—

382,347

60,538

(49,204)

—

—

—

393,681

58,692

(50,093)

—

—

—

(1,491)

—

—

—

—

(9,291)

2,933

—

—

—

—

(6,358)

(3,718)

—

—

—

—

57,288

(48,007)

(149)

1,291

7,046

729,627

63,471

(49,204)

(242)

2,169

6,051

751,872

54,974

(50,093)

(117)

1,646

9,039

$

375,117

$

402,280

$

(10,076) $

767,321

See Notes to Consolidated Financial Statements

56

NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED STATEMENTS OF CASH FLOWS

In thousands

Operating activities:

Net income

Adjustments to reconcile net income to cash provided by operations:

Depreciation and amortization

Regulatory amortization of gas reserves

Deferred tax liabilities, net

Non-cash expenses related to qualified defined benefit pension plans

Contributions to qualified defined benefit pension plans

Deferred environmental recoveries, net of (expenditures)

Other

Changes in assets and liabilities:

Receivables, net

Inventories

Taxes accrued

Accounts payable

Interest accrued

Deferred gas costs

Other, net

Cash provided by operating activities

Investing activities:

Capital expenditures

Utility gas reserves

Proceeds from sale of assets

Restricted cash

Other

Cash used in investing activities

Financing activities:

Common stock issued, net

Long-term debt issued

Long-term debt retired

Change in short-term debt

Cash dividend payments on common stock

Other

Cash (used in) provided by financing activities

Increase in cash and cash equivalents

Cash and cash equivalents, beginning of period

Cash and cash equivalents, end of period

Supplemental disclosure of cash flow information:

Interest paid

Income taxes paid

See Notes to Consolidated Financial Statements

57

Year Ended December 31,

2014

2013

2012

$ 58,692

$ 60,538

$ 58,779

79,193

19,335

24,772

4,984

75,905

11,089

46,483

5,666

73,017

6,340

42,079

5,448

(10,500)

(11,700)

(23,500)

88,849

(16,679)

(12,503)

1,853

(2,580)

(2,350)

14,948

(26,094)

22,170

(17,163)

1,709

(2,020)

(1,024)

(23,114)

(24,857)

6,933

286

7,422

1,150

6,761

3,334

(602)

96

(5,245)

(17,644)

23,216

7,413

215,657

176,390

168,838

(120,092)

(138,924)

(132,029)

(26,798)

(54,077)

(54,085)

175

1,000

1,392

8,638

—

2,231

—

—

1,437

(144,323)

(182,132)

(184,677)

8,986

—

5,964

50,000

6,758

50,000

(80,000)

—

(40,000)

46,500

(2,050)

48,650

(50,093)

(49,204)

(48,007)

3,336

(71,271)

63

9,471

1,580

6,290

548

8,923

$

9,534

$

9,471

$

1,528

18,929

3,090

5,833

8,923

$ 42,602

$ 44,022

$ 43,061

19,445

870

2,979

NORTHWEST NATURAL GAS 
COMPANY
NOTES TO CONSOLIDATED FINANCIAL 
STATEMENTS

1. ORGANIZATION AND PRINCIPLES OF 
CONSOLIDATION

2. SIGNIFICANT ACCOUNTING POLICIES

Use of Estimates 
The preparation of financial statements in conformity with 
generally accepted accounting principles in the United 
States of America (GAAP) requires management to make 
estimates and assumptions that affect reported amounts in 
the consolidated financial statements and accompanying 
notes. Actual amounts could differ from those estimates, and 
changes would most likely be reported in future periods. 
Management believes the estimates and assumptions used 
are reasonable.

Industry Regulation  
Our principal businesses are the distribution of natural gas, 
which is regulated by the OPUC and WUTC, and natural gas 
storage services, which are regulated by either the FERC or 
the CPUC, and to a certain extent by the OPUC and WUTC. 
Accounting records and practices of our regulated 
businesses conform to the requirements and uniform system 
of accounts prescribed by these regulatory authorities in 
accordance with GAAP. Our businesses regulated by the 
OPUC, WUTC, and FERC earn a reasonable return on 
invested capital from approved cost-based rates, while our 
business regulated by the CPUC earns a return to the extent 
we are able to charge competitive prices above our costs 
(i.e. market-based rates).

In applying regulatory accounting principles, we capitalize or 
defer certain costs and revenues as regulatory assets and 
liabilities pursuant to orders of the OPUC or WUTC, which 
provide for the recovery of revenues or expenses from, or 
refunds to, utility customers in future periods, including a 
return or a carrying charge in certain cases.

The accompanying consolidated financial statements 
represent the consolidated results of Northwest Natural Gas 
Company (NW Natural or the Company) and all companies 
that we directly or indirectly control, either through majority 
ownership or otherwise. We have two core businesses: our 
regulated local gas distribution business, referred to as the 
utility segment, which serves residential, commercial, and 
industrial customers in Oregon and southwest Washington; 
and our gas storage businesses, referred to as the gas 
storage segment, which provides storage services for 
utilities, gas marketers, electric generators, and large 
industrial users from storage facilities located in Oregon and 
California. In addition, we have investments and other non-
utility activities we aggregate and report as other. 

Our core utility business assets and operating activities are 
largely included in the parent company, NW Natural. Our 
direct and indirect wholly-owned subsidiaries include NW 
Natural Energy, LLC (NWN Energy), NW Natural Gas 
Storage, LLC (NWN Gas Storage), Gill Ranch Storage, LLC 
(Gill Ranch), NNG Financial Corporation (NNG Financial), 
Northwest Energy Corporation (Energy Corp), and NW 
Natural Gas Reserves, LLC (NWN Gas Reserves). 
Investments in corporate joint ventures and partnerships we 
do not directly or indirectly control, and for which we are not 
the primary beneficiary, are accounted for under the equity 
method, which includes NWN Energy’s investment in Trail 
West Pipeline, LLC (TWP) and NNG Financial's investment 
in Kelso-Beaver (KB) Pipeline. NW Natural and its affiliated 
companies are collectively referred to herein as NW Natural. 
The consolidated financial statements are presented after 
elimination of all intercompany balances and transactions, 
except for amounts required to be included under regulatory 
accounting standards to reflect the effect of such regulation. 
In this report, the term “utility” is used to describe our 
regulated gas distribution business, and the term “non-
utility” is used to describe our gas storage businesses and 
other non-utility investments and business activities.

Certain prior year balances in our consolidated financial 
statements and notes have been reclassified to conform 
with the current presentation. These reclassifications had no 
affect on our prior year’s consolidated results of operations, 
financial condition, or cash flows.

58

 
  
 
At December 31, the amounts deferred as regulatory assets 
and liabilities were as follows:

In thousands

Current:

Regulatory Assets

2014

2013

Unrealized loss on derivatives(1)

$ 29,889

$

Gas costs
Other(2)

Total current

Non-current:

Unrealized loss on derivatives(1)
Pension balancing(3)

Income taxes

Pension and other postretirement 
benefit liabilities(3)
Environmental costs(4)

Gas costs
Other(2)

21,794

16,879

1,891

4,286

16,458

$ 68,562

$ 22,635

$

3,515

$

615

32,541

47,427

25,713

51,814

201,845

125,855

58,859

148,389

5,971

18,750

1,840

15,377

Total non-current

$ 368,908

$ 369,603

In thousands

Current:

Gas costs
Unrealized gain on derivatives(1)
Other(2)

Total current

Non-current:

Gas costs
Unrealized gain on derivatives(1)
Accrued asset removal costs(5)
Other(2)

Regulatory Liabilities

2014

2013

$

5,700

$

7,510

240

13,165

5,290

15,535

$ 19,105

$ 28,335

$

2,507

$

2,172

—

1,880

311,238

296,294

3,460

3,139

$ 317,205

Total non-current
$ 303,485
(1)  Unrealized gains or losses on derivatives are non-cash items 
and, therefore, do not earn a rate of return or a carrying 
charge. These amounts are recoverable through utility rates as 
part of the annual Purchased Gas Adjustment (PGA) 
mechanism when realized at settlement.
These balances primarily consist of deferrals and amortizations 
under approved regulatory mechanisms. The accounts being 
amortized typically earn a rate of return or carrying charge. 

(2) 

(3)  Certain utility pension costs are approved for regulatory 

deferral, including amounts recorded to the pension balancing 
account, to mitigate the effects of higher and lower pension 
expenses. Deferred pension costs include an interest 
component when recognized in net periodic benefit costs. See 
Note 8.

(4)  Environmental costs relate to specific sites approved for 

regulatory deferral by the OPUC and WUTC. In Oregon, we 
earn a carrying charge on cash amounts paid, whereas 
amounts accrued but not yet paid do not earn a carrying 
charge until expended. We also accrue a carrying charge on 
insurance proceeds for amounts owed to customers. In 
Washington, a carrying charge related to deferred amounts will 
be determined in a future proceeding. See Note 15. 

(5)  Estimated costs of removal on certain regulated properties are 
collected through rates. See "Accounting Policies—Plant, 
Property, and Accrued Asset Removal Costs" below. 

59

The amortization period for our regulatory assets and 
liabilities ranges from less than one year to an 
indeterminable period. Our regulatory deferrals for gas costs 
payable are generally amortized over 12 months beginning 
each November 1 following the gas contract year during 
which the deferred gas costs are recorded. Similarly, most of 
our other regulatory deferred accounts are amortized over 
12 months. However, certain regulatory account balances, 
such as income taxes, environmental costs, pension 
liabilities, and accrued asset removal costs, are large and 
tend to be amortized over longer periods once we have 
agreed upon an amortization period with the respective 
regulatory agency.

We believe all costs incurred and deferred at December 31, 
2014 are prudent. We annually review all regulatory assets 
and liabilities for recoverability and more often if 
circumstances warrant. If we should determine that all or a 
portion of these regulatory assets or liabilities no longer meet 
the criteria for continued application of regulatory 
accounting, then we would be required to write off the net 
unrecoverable balances in the period such determination is 
made. See Note 16 for information regarding the resolution 
of the environmental Site Remediation and Recovery 
Mechanism (SRRM) in February 2015. In accordance with 
accounting guidance and the Company's policy, a $15 million 
pre-tax regulatory disallowance will be recognized in the first 
quarter of 2015 related to the Order.

New Accounting Standards

Recently Issued Accounting Pronouncements
REVENUE RECOGNITION. On May 28, 2014, the Financial 
Accounting Standards Board (FASB) issued Accounting 
Standards Update (ASU) 2014-09 Revenue From Contracts 
with Customers. The underlying principle of the guidance 
requires entities to recognize revenue depicting the transfer 
of goods or services to customers at amounts expected to 
be entitled to in exchange for those goods or services. The 
model provides a five-step approach to revenue recognition: 
(1) identify the contract(s) with the customer; (2) identify the 
separate performance obligations in the contract(s); (3) 
determine the transaction price; (4) allocate the transaction 
price to separate performance obligations; and (5) recognize 
revenue when, or as, each performance obligation is 
satisfied. The new requirements are effective beginning 
January 1, 2017, and either a full retrospective or simplified 
transition adoption method is allowed; early adoption is not 
permitted. NW Natural is currently assessing the impact of 
this standard on its financial statements and disclosures.

Accounting Policies

Plant, Property, and Accrued Asset Removal Costs 
Plant and property are stated at cost, including capitalized 
labor, materials and overhead. In accordance with regulatory 
accounting standards, the cost of acquiring and constructing 
long-lived plant and property generally includes an 
allowance for funds used during construction (AFUDC) or 
capitalized interest. AFUDC represents the regulatory 
financing cost incurred when debt and equity funds are used 
for construction (see “AFUDC” below). When constructed 
assets are subject to market-based rates rather than cost-
based rates, the financing costs incurred during construction 

are included in capitalized interest in accordance with GAAP, 
not as regulatory financing costs under AFUDC.

In accordance with long-standing regulatory treatment, our 
depreciation rates consist of three components: one based 
on the average service life of the asset, a second based on 
the estimated salvage value of the asset, and a third based 
on the asset’s estimated cost of removal. We collect, through 
rates, the estimated cost of removal on certain regulated 
properties through depreciation expense, with a 
corresponding offset to accumulated depreciation. These 
removal costs are non-legal obligations as defined by 
regulatory accounting guidance. Therefore, we have 
included these costs as non-current regulatory liabilities 
rather than as accumulated depreciation on our consolidated 
balance sheets. In the rate setting process, the liability for 
removal costs is treated as a reduction to the net rate base 
on which the regulated utility has the opportunity to earn its 
allowed rate of return.

The costs of utility plant retired or otherwise disposed of are 
removed from utility plant and charged to accumulated 
depreciation for recovery or refund through future rates. 
Gains from the sale of regulated assets are generally 
deferred and refunded to customers. For non-utility assets, 
we record a gain or loss upon the disposal of the property. 
The gain or loss is recorded in other income and expense, 
net in the consolidated statements of comprehensive 
income.

Our provision for depreciation of utility property, plant, and 
equipment is recorded under the group method on a straight-
line basis with rates computed in accordance with 
depreciation studies approved by regulatory authorities. The 
weighted-average depreciation rate for utility assets in 
service was approximately 2.8% for 2014, 2013, and 2012, 
reflecting the approximate weighted-average economic life of 
the property. This includes 2014 weighted-average 
depreciation rates for the following asset categories: 2.7% 
for transmission and distribution plant, 2.2% for gas storage 
facilities, 4.7% for general plant, and 2.9% for intangible and 
other fixed assets.

AFUDC. Certain additions to utility plant include AFUDC, 
which represents the net cost of debt and equity funds used 
during construction. AFUDC is calculated using actual 
interest rates for debt and authorized rates for ROE, if 
applicable. If short-term debt balances are less than the total 
balance of construction work in progress, then a composite 
AFUDC rate is used to represent interest on all debt funds, 
shown as a reduction to interest charges, and on ROE 
funds, shown as other income. While cash is not 
immediately recognized from recording AFUDC, it is realized 
in future years through rate recovery resulting from the 
higher utility cost of service. Our composite AFUDC rate was 
0.3% in 2014, 2013, and 2012.

IMPAIRMENT OF LONG-LIVED ASSETS. We review the 
carrying value of long-lived assets whenever events or 
changes in circumstances indicate that the carrying amount 
of the assets might not be recoverable. Factors that would 
necessitate an impairment assessment of long-lived assets 
include a significant adverse change in the extent or manner 
in which the asset is used, a significant adverse change in 

60

legal factors or business climate that could affect the value of 
the asset, or a significant decline in the observable market 
value or expected future cash flows of the asset, among 
others. 

If such factors indicate a potential impairment, we assess the 
recoverability by determining if the carrying value of the 
asset exceeds the sum of the projected future cash flows 
over the remaining economic life of the asset. An asset is 
determined to be impaired when the carrying value is not 
recoverable through undiscounted future cash flows, and in 
those cases, we would estimate the fair value of the asset 
using appropriate valuation methodologies, which may 
include an estimate of discounted cash flows. Any 
impairment would be measured as the difference between 
the asset’s carrying amount and its estimated fair value.

We have determined there were no events or circumstances 
that suggested an impairment of long-lived assets during the 
year ended December 31, 2014. In reaching this conclusion, 
we reviewed all long-lived assets for circumstances, 
including those noted above, that may indicate the carrying 
amount of the asset might not be recoverable and 
determined no such events have occurred. If our gas storage 
facilities experience sustained decreases in future cash 
flows due to a prolonged, slow recovery of the gas storage 
market, this may lead to events that indicate the carrying 
amount of the assets might not be recoverable, requiring an 
impairment assessment that could result in a future 
impairment.

Cash and Cash Equivalents  
For purposes of reporting cash flows, cash and cash 
equivalents include cash on hand plus highly liquid 
investment accounts with original maturity dates of three 
months or less. At December 31, 2014 and 2013, 
outstanding checks of approximately $5.5 million and $2.8 
million, respectively, were included in accounts payable.

Revenue Recognition and Accrued Unbilled Revenue
Utility revenues, derived primarily from the sale and 
transportation of natural gas, are recognized upon delivery of 
the gas commodity or service to customers. Revenues 
include accruals for gas delivered but not yet billed to 
customers based on estimates of deliveries from meter 
reading dates to month end (accrued unbilled revenue). 
Accrued unbilled revenue is dependent upon a number of 
factors that require management’s judgment, including total 
gas receipts and deliveries, customer use by billing cycle, 
and weather factors. Accrued unbilled revenue is reversed 
the following month when actual billings occur. Our accrued 
unbilled revenue at December 31, 2014 and 2013 was $58.0 
million and $61.5 million, respectively.

Non-utility revenues are derived primarily from the gas 
storage segment. At our Mist underground storage facility, 
revenues are primarily firm service revenues in the form of 
fixed monthly reservation charges. At our Gill Ranch facility, 
firm storage services resulting from short-term and long-term 
contracts are typically recognized in revenue ratably over the 
term of the contract regardless of the actual storage capacity 
utilized. In addition, we also have asset management service 
revenue primarily from an independent energy marketing 
company that optimizes commodity and pipeline capacity 

 
  
 
release transactions. Under this agreement, guaranteed 
asset management revenue is recognized using a straight-
line, pro-rata methodology over the term of each contract. 
Revenues earned above the guaranteed amount are 
recognized as they are earned. See Note 4.

Revenue Taxes 
Revenue-based taxes are primarily franchise taxes, which 
are collected from customers and remitted to taxing 
authorities. Revenue taxes are included in operating 
revenues in the statement of comprehensive income. 
Revenue taxes were $18.8 million, $19.0 million, and $18.4 
million for 2014, 2013, and 2012, respectively.  

Accounts Receivable and Allowance for Uncollectible 
Accounts 
Accounts receivable consist primarily of amounts due for 
natural gas sales and transportation services to utility 
customers, plus amounts due for gas storage services. With 
respect to these trade receivables, including accrued 
unbilled revenue, we establish an allowance for uncollectible 
accounts (allowance) based on the aging of receivables, 
collection experience of past due account balances including 
payment plans, and historical trends of write-offs as a 
percent of revenues. With respect to large individual 
customer receivables, a specific allowance is established 
and recorded when amounts are identified as unlikely to be 
partially or fully recovered. Inactive accounts are written-off 
against the allowance after they are 120 days past due or 
when deemed uncollectible. Differences between our 
estimated allowance and actual write-offs will occur based 
on a number of factors, including changes in economic 
conditions, customer creditworthiness, and natural gas 
prices. Each quarter the allowance for uncollectible accounts 
is adjusted, as necessary, based on information currently 
available.

Inventories  
Utility gas inventories, which consist of natural gas in storage 
for the utility, are stated at the lower of average cost or net 
realizable value. The regulatory treatment of utility gas 
inventories provides for cost recovery in customer rates. 
Utility gas inventories injected into storage are priced in 
inventory based on actual purchase costs. Utility gas 
inventories withdrawn from storage are charged to cost of 
gas during the current period at the weighted-average 
inventory cost.

Gas storage inventories, which primarily represent 
inventories at the Gill Ranch storage facility, mainly consist 
of natural gas received as fuel-in-kind from storage 
customers. Gas storage inventories are valued at the lower 
of average cost or net realizable value. Cushion gas is not 
included in our inventory balances and is recorded at original 
cost and classified as a long-term plant asset.

Materials and supplies inventories consist of both utility and 
non-utility inventories and are stated at the lower of average 
cost or net realizable value.

Our utility and gas storage inventories totaled $68.0 million 
and $51.4 million at December 31, 2014 and 2013, 
respectively. At December 31, 2014 and 2013, our materials 

61

and supplies inventories totaled $9.8 million and $9.3 million, 
respectively.

Gas Reserves
Our gas reserves are stated at cost, adjusted for regulatory 
amortization, with the associated deferred tax benefits 
recorded as liabilities on the balance sheet. Transactional 
costs to enter into the agreements and payments by NW 
Natural to acquire gas reserves are recognized as gas 
reserves on the balance sheet. The current portion is 
calculated based on expected gas deliveries within the next 
fiscal year. We recognize regulatory amortization of this 
asset on a volumetric basis calculated using the estimated 
gas reserves and the estimated therms extracted and sold 
each month. The amortization of gas reserves is recorded to 
cost of gas along with gas production revenues and 
production costs. See Note 11.

Derivatives  
In accordance with accounting for derivatives and hedges, 
we measure derivatives at fair value and recognize them as 
either assets or liabilities on the balance sheet. Accounting 
for derivatives requires that changes in the fair value be 
recognized currently in earnings unless specific hedge 
accounting criteria are met. Accounting for derivatives and 
hedges provides an exception for contracts intended for 
normal purchases and normal sales for which physical 
delivery is probable. In addition, certain derivative contracts 
are approved by regulatory authorities for recovery or refund 
through customer rates. Accordingly, the changes in fair 
value of these approved contracts are deferred as regulatory 
assets or liabilities pursuant to regulatory accounting 
principles. Our financial derivatives generally qualify for 
deferral under regulatory accounting. The Company’s index-
priced physical derivative contracts also qualify for regulatory 
deferral accounting treatment.

Derivative contracts entered into for utility requirements after 
the annual PGA rate has been set and during the PGA year 
are subject to the PGA incentive sharing mechanism. In 
Oregon we participate in a PGA sharing mechanism under 
which we are required to select either an 80% or 90% 
deferral of higher or lower gas costs such that the impact on 
current earnings from the gas cost sharing is either 20% or 
10% of gas cost differences compared to PGA prices, 
respectively. For the PGA years in Oregon beginning 
November 1, 2014, 2013, and 2012, we selected a 90% 
deferral of gas cost differences. In Washington, 100% of the 
differences between the PGA prices and actual gas costs are 
deferred. See Note 13.

Our financial derivatives policy sets forth the guidelines for 
using selected derivative products to support prudent risk 
management strategies within designated parameters. Our 
objective for using derivatives is to decrease the volatility of 
gas prices, earnings, and cash flows without speculative risk. 
The use of derivatives is permitted only after the risk 
exposures have been identified, are determined to exceed 
acceptable tolerance levels, and are determined necessary 
to support normal business activities. We do not enter into 
derivative instruments for trading purposes.

$56.2 million, respectively, were recorded, a portion of which 
is recorded in current assets. These regulatory income tax 
assets primarily represent future rate recovery of deferred 
tax liabilities, resulting from differences in utility plant 
financial statement and tax bases and utility plant removal 
costs, which were previously flowed through for rate making 
purposes and to take into account the additional future 
taxes, which will be generated by that recovery. These 
deferred tax liabilities, and the associated regulatory income 
tax assets, are currently being recovered through customer 
rates. 

Deferred investment tax credits on utility plant additions, 
which reduce income taxes payable, are deferred for 
financial statement purposes and amortized over the life of 
the related plant. 

The Company recognizes interest and penalties related to 
unrecognized tax benefits, if any, within income tax expense 
and accrued interest and penalties within the related tax 
liability line in the consolidated balance sheets. No accrued 
interest or penalties for uncertain tax benefits have been 
recorded. See Note 9. 

Environmental Contingencies  
Loss contingencies are recorded as liabilities when it is 
probable a liability has been incurred and the amount of the 
loss is reasonably estimable in accordance with accounting 
standards for contingencies. Estimating probable losses 
requires an analysis of uncertainties that often depend upon 
judgments about potential actions by third parties. Accruals 
for loss contingencies are recorded based on an analysis of 
potential results. 

With respect to environmental liabilities and related costs, 
we develop estimates based on a review of information 
available from numerous sources, including completed 
studies and site specific negotiations. It is our policy to 
accrue the full amount of such liability when information is 
sufficient to reasonably estimate the amount of probable 
liability. When information is not available to reasonably 
estimate the probable liability, or when only the range of 
probable liabilities can be estimated and no amount within 
the range is more likely than another, it is our policy to 
accrue at the low end of the range. Accordingly, due to 
numerous uncertainties surrounding the course of 
environmental remediation and the preliminary nature of 
several site investigations, in some cases, we may not be 
able to reasonably estimate the high end of the range of 
possible loss. In those cases we have disclosed the nature 
of the potential loss and the fact that the high end of the 
range cannot be reasonably estimated. See Note 15.

Subsequent Events
See Note 16 for information regarding the resolution of the 
environmental SRRM docket.

Fair Value  
In accordance with fair value accounting, we use the 
following fair value hierarchy for determining inputs for our 
debt, pension plan assets, and our derivative fair value 
measurements:
• 

Level 1: Valuation is based on quoted prices for identical 
instruments traded in active markets;
Level 2: Valuation is based on quoted prices for similar 
instruments in active markets, quoted prices for identical 
or similar instruments in markets that are not active, and 
model-based valuation techniques for which all 
significant assumptions are observable in the market; 
and
Level 3: Valuation is generated from model-based 
techniques that use significant assumptions not 
observable in the market. These unobservable 
assumptions reflect our own estimates of assumptions 
market participants would use in valuing the asset or 
liability.

• 

• 

When developing fair value measurements, it is our policy to 
use quoted market prices whenever available, or to 
maximize the use of observable inputs and minimize the use 
of unobservable inputs when quoted market prices are not 
available. Fair values are primarily developed using industry-
standard models that consider various inputs including: (a) 
quoted future prices for commodities; (b) forward currency 
prices; (c) time value; (d) volatility factors; (e) current market 
and contractual prices for underlying instruments; (f) market 
interest rates and yield curves; (g) credit spreads; and (h) 
other relevant economic measures.

Income Taxes  
We account for income taxes under the asset and liability 
method, which requires the recognition of deferred tax 
assets and liabilities for the expected future tax 
consequences of events that have been included in the 
financial statements. Under this method, deferred tax assets 
and liabilities are determined on the basis of the differences 
between the financial statement and tax basis of assets and 
liabilities using enacted tax rates in effect for the year in 
which the differences are expected to reverse. The effect of 
a change in tax rates on deferred tax assets and liabilities is 
recognized in income in the period that includes the 
enactment date unless a regulatory order specifies deferral 
of the effect of the change in tax rates over a longer period of 
time.  

Deferred income tax assets and liabilities are also 
recognized for temporary differences where the deferred 
income tax benefits or expenses have previously been 
flowed through in the ratemaking process of the regulated 
utility. Regulatory tax assets and liabilities are recorded on 
these deferred tax assets and liabilities to the extent the 
Company believes they will be recoverable from or refunded 
to customers in future rates. At December 31, 2014 and 
2013, regulatory income tax assets of $51.8 million and 

62

3. EARNINGS PER SHARE

Basic earnings per share are computed using net income and the weighted average number of common shares outstanding for 
each period presented. Diluted earnings per share are computed in the same manner, except it uses the weighted average 
number of common shares outstanding plus the effects of the assumed exercise of stock options and the payment of estimated 
stock awards from other stock-based compensation plans that are outstanding at the end of each period presented. Diluted 
earnings per share are calculated as follows:

In thousands, except per share data

Net income

Average common shares outstanding - basic

Additional shares for stock-based compensation plans (See Note 6)

Average common shares outstanding - diluted

Earnings per share of common stock - basic

Earnings per share of common stock - diluted

Additional information:

2014

2013

2012

$

58,692

$

60,538

$

27,164

59

27,223

26,974

53

27,027

$

$

2.16

2.16

$

$

2.24

2.24

$

$

58,779

26,831

76

26,907

2.19

2.18

Antidilutive shares not included in net income per diluted common share calculation

18

26

1

4. SEGMENT INFORMATION

We primarily operate in two primary reportable business 
segments, local gas distribution and gas storage. We also 
have other investments and business activities not 
specifically related to one of these two reporting segments, 
which we aggregate and report as other. We refer to our 
local gas distribution business as the utility, and our gas 
storage segment and other as non-utility. Our utility 
segment also includes NWN Gas Reserves, which is a 
wholly-owned subsidiary of Energy Corp and the utility 
portion of Mist. Our gas storage segment includes NWN 
Gas Storage, which is a wholly-owned subsidiary of NWN 
Energy, Gill Ranch, which is a wholly-owned subsidiary of 
NWN Gas Storage, the non-utility portion of Mist, and all 
third-party asset management services. Other includes 
NNG Financial and NWN Energy's equity investment in 
TWH, which is pursuing development of a cross-Cascades 
transmission pipeline project. See Other, below.

Local Gas Distribution
Our local gas distribution segment is a regulated utility 
principally engaged in the purchase, sale, and delivery of 
natural gas and related services to customers in Oregon 
and southwest Washington. As a regulated utility, we are 
responsible for building and maintaining a safe and reliable 
pipeline distribution system, purchasing sufficient gas 
supplies from producers and marketers, contracting for firm 
and interruptible transportation of gas over interstate 
pipelines to bring gas from the supply basins into our 
service territory, and re-selling the gas to customers subject 
to rates, terms, and conditions approved by the OPUC or 
WUTC. Gas distribution also includes taking customer-
owned gas and transporting it from interstate pipeline 
connections, or city gates, to the customers’ end-use 
facilities for a fee, which is approved by the OPUC or 
WUTC. Approximately 89% of our customers are located in 
Oregon and 11% in Washington. On an annual basis, 
residential and commercial customers typically account for 
around 60% of our utility’s total volumes delivered and 90% 
of our utility’s margin. Industrial customers largely account 
for the remaining volumes and utility margin. A small 
amount of utility margin is also derived from miscellaneous 
services, gains or losses from an incentive gas cost sharing 
mechanism, and other service fees.

63

Industrial sectors we serve include: pulp, paper, and other 
forest products; the manufacture of electronic, 
electrochemical and electrometallurgical products; the 
processing of farm and food products; the production of 
various mineral products; metal fabrication and casting; the 
production of machine tools, machinery and textiles; the 
manufacture of asphalt, concrete and rubber; printing and 
publishing; nurseries; government and educational 
institutions; and electric generation. No individual customer 
or industry group accounts for over 10% of our utility 
revenues or utility margins.

Gas Storage
Our gas storage segment includes natural gas storage 
services provided to customers primarily from two 
underground natural gas storage facilities, our Gill Ranch 
gas storage facility, and the non-utility portion of our Mist 
gas storage facility. In addition to earning revenue from 
customer storage contracts, we also use an independent 
energy marketing company to provide asset management 
services for utility and non-utility capacity, the results of 
which are included in this business segment. For the years 
ended December 31, 2014, 2013, and 2012, this business 
segment derived a majority of its revenues from firm and 
interruptible gas storage contracts and from asset 
management services. 

Mist Gas Storage Facility
Earnings from non-utility assets at our Mist facility in 
Oregon are primarily related to firm storage capacity 
revenues. Earnings for the Mist facility also includes 
revenue, net of amounts shared with utility customers, from 
management of utility assets at Mist and upstream capacity 
when not needed to serve utility customers. We retain 80% 
of the pre-tax income from these services when the costs of 
the capacity have not been included in utility rates, or 33% 
of the pre-tax income when the costs have been included in 
utility rates. The remaining 20% and 67%, respectively, are 
recorded to a deferred regulatory account for crediting back 
to utility customers. 

Gill Ranch Gas Storage Facility
Gill Ranch has a joint project agreement with Pacific 
Gas and Electric Company (PG&E) to own and operate the 
Gill Ranch underground natural gas storage facility near 
Fresno, California. Gill Ranch has a 75% undivided 
ownership interest in the facility and is also the operator of 
the facility, which offers storage services to the California 
market at market-based rates, subject to CPUC regulation 
including, but not limited to, service terms and conditions 
and tariff regulations. Although this is a jointly owned 
property, each owner is independently responsible for 
financing its share of the Gill Ranch natural gas storage 
facility. Revenues are primarily related to firm storage 
capacity as well as asset management revenues. 

Other
We have non-utility investments and other business 
activities, which are aggregated and reported as other. 

Other primarily consists of an equity method investment in 
Trail West Holdings (TWH), which was formed to build and 
operate an interstate gas transmission pipeline in Oregon 
(TWP) and other pipeline assets in NNG Financial. For 
more information on TWP, see Note 12. Other also includes 
some operating and non-operating revenues and expenses 
of the parent company that cannot be allocated to utility 
operations.

NNG Financial holds certain non-utility financial 
investments, but its assets primarily consist of an active, 
wholly-owned subsidiary which owns a 10% interest in an 
18-mile interstate natural gas pipeline. NNG Financial’s 
total assets were $0.8 million and $1.2 million at December 
31, 2014 and 2013, respectively.

Segment Information Summary
Inter-segment transactions are insignificant. The following table presents summary financial information concerning the 
reportable segments:

In thousands

2014

Utility

Gas Storage

Other

Total

Operating revenues

$

731,578

$

22,235

$

224

$

Depreciation and amortization

Income from operations

Net income

Capital expenditures

72,660

138,711

58,587

117,322

6,533

3,987

(364)

2,770

—

267

469

—

754,037

79,193

142,965

58,692

120,092

Total assets at December 31, 2014

2,775,011

273,813

16,121

3,064,945

2013

Operating revenues

$

727,182

$

31,112

$

224

$

16,447

2,970,911

—

11

49

—

—

100

209

337

758,518

75,905

142,746

60,538

138,924

730,607

73,017

142,180

58,779

132,029

15,897

2,813,120

Operating revenues

$

699,862

$

30,520

$

225

$

Depreciation and amortization

Income from operations

Net income

Capital expenditures

Total assets at December 31, 2013

2012

69,420

128,066

54,920

137,466

2,644,367

6,485

14,669

5,569

1,458

310,097

Depreciation and amortization

Income from operations

Net income

Capital expenditures

Total assets at December 31, 2012

66,545

128,854

54,049

130,151

2,505,655

6,472

13,226

4,521

1,541

291,568

64

 
Utility Margin
Utility margin is a financial measure consisting of utility operating revenues, which are reduced by revenue taxes and the 
associated cost of gas. The cost of gas purchased for utility customers is generally a pass-through cost in the amount of 
revenues billed to regulated utility customers. By subtracting costs of gas from utility operating revenues, utility margin provides 
a key metric used by our chief operating decision maker in assessing the performance of the utility segment. The gas storage 
and other segments emphasize growth in operating revenues and net income as opposed to margin because these segments 
do not incur a product cost (i.e. cost of gas sold) like the utility and, therefore, use operating revenues and net income to assess 
performance.

The following table presents additional segment information concerning utility margin:

In thousands

Utility margin calculation:

Utility operating revenues

Less: Utility cost of gas

Utility margin

5. COMMON STOCK

Common Stock
As of December 31, 2014 and 2013, we had 100 million 
shares of common stock authorized. As of December 31, 
2014, we had reserved 97,921 shares for issuance of 
common stock under the Employee Stock Purchase Plan 
(ESPP) and 394,903 shares under our Dividend 
Reinvestment and Direct Stock Purchase Plan (DRPP). The 
Restated Stock Option Plan (SOP) was terminated with 
respect to new grants in 2012; however, options granted 
before the Restated SOP was terminated will remain 
outstanding until the earlier of their expiration, forfeiture, or 
exercise. There were 416,088 options outstanding at 
December 31, 2014, which were granted prior to termination 
of the plan. 

Stock Repurchase Program
We have a share repurchase program under which we may 
purchase our common shares on the open market or 
through privately negotiated transactions. We currently have 
Board authorization through May 2015 to repurchase up to 
an aggregate of 2.8 million shares, but not to exceed $100 
million. No shares of common stock were repurchased 
pursuant to this program during the year ended December 
31, 2014. Since the plan’s inception in 2000 a total of 2.1 
million shares have been repurchased at a total cost of 
$83.3 million.

2014

2013

2012

$

$

731,578

$

727,182

$

365,490

373,298

366,088

$

353,884

$

699,862

355,335

344,527

Summary of Changes in Common Stock
The following table shows the changes in the number of 
shares of our common stock issued and outstanding:

In thousands

Balance, December 31, 2011

   Sales to employees under ESPP

Stock-based compensation

   Sales to shareholders under DRPP

Balance, December 31, 2012

   Sales to employees under ESPP

Stock-based compensation

   Sales to shareholders under DRPP

Balance, December 31, 2013

   Sales to employees under ESPP

Stock-based compensation

   Sales to shareholders under DRPP

Balance, December 31, 2014

Shares

26,756

18

47

96

26,917

16

42

100

27,075

24

83

102

27,284

65

6. STOCK-BASED COMPENSATION

Our stock-based compensation plans are designed to 
promote stock ownership in NW Natural by employees and 
officers. These compensation plans include a Long-Term 
Incentive Plan (LTIP), an ESPP, and a Restated SOP. A 
variety of equity programs may be granted under the 
LTIP. The Restated SOP was terminated in 2012 with 
respect to new grants; however, options granted before the 
Restated SOP was terminated will remain outstanding until 
the earlier of their expiration, forfeiture, or exercise. Any new 
grants of stock options would be made under the LTIP. No 
stock options were granted under the LTIP during the year 
ended December 31, 2014.

Long-Term Incentive Plan
The LTIP is intended to provide a flexible, competitive 
compensation program for eligible officers and key 
employees. Under the LTIP, shares of common stock are 
authorized for equity incentive grants in the form of stock, 
restricted stock, restricted stock units, stock options, or 
performance shares. An aggregate of 850,000 shares were 
authorized for issuance as of December 31, 2014. Shares 
awarded under the LTIP may be purchased on the open 
market or issued as original shares. 

Of the 850,000 shares of common stock authorized for LTIP 
awards at December 31, 2014, there were 225,669 shares 
available for issuance under any type of award and 250,000 
shares available for option grants. This assumes that 
market, performance, and service based grants currently 
outstanding are awarded at the target level. There were no 
outstanding grants of restricted stock or stock options under 
the LTIP at December 31, 2014 or 2013. The LTIP stock 

awards are compensatory awards for which compensation 
expense is based on the fair value of stock awards, with 
expense being recognized over the performance and 
vesting period of the outstanding awards.

Performance Shares
Since the LTIP’s inception in 2001, performance shares, 
which incorporate market, performance, and service-based 
factors, have been granted annually with three-year 
performance periods. The following table summarizes 
performance share expense information:

Dollars in millions

Estimated award:

2012-2014 grant(2)

Actual award:

2011-2013 grant

2010-2012 grant

Shares(1) 

Expense 
During Award 
Year(3)

Total
Expense
for Award

8,408

$

0.6

$

1.8

9,819

9,924

0.4

0.5

1.0

1.2

(1)  

In addition to common stock shares, a participant also 
receives a dividend equivalent cash payment equal to the 
number of shares of common stock received on the award 
payout multiplied by the aggregate cash dividends paid per 
share during the performance period. 

(2)   This represents the estimated number of shares to be 

awarded as of December 31, 2014 as certain performance 
share measures had been achieved. Amounts are subject to 
change with final payout amounts authorized by the Board of 
Directors in February 2015.

(3)  Amount represents the expense recognized in the third year of 

the vesting period noted above. 

The aggregate number of performance shares granted and outstanding at the target and maximum levels were as follows:

Dollars in thousands

Performance Period

Performance Share Awards Outstanding

Target

Maximum

2014

Expense

Cumulative Expense

December 31, 2014

2012-14

2013-15

2014-16

Total

35,340

37,300

43,625

116,265

70,680

$

583

$

74,600

87,250

232,530

$

442

618

1,643

1,821

928

618

For the 2012-2014 and 2013-2015 performance periods, 
awards will be based on total shareholder return (TSR 
factor) relative to a peer group of gas distribution companies 
over the three-year performance period and on performance 
results achieved relative to specific core and non-core 
strategies (strategic factor). In addition to the TSR and 
strategic factors, the 2014-2016 award also included 
weighting for EPS and Return on Invested Capital (ROIC) 
factors. Compensation expense is recognized in accordance 
with the accounting standard for stock-based compensation 
and calculated based on performance levels achieved and 

an estimated fair value using the Monte-Carlo method. The 
weighted-average grant date fair value of unvested shares 
at December 31, 2014 and 2013 was $42.06 and $43.39 per 
share, respectively. The weighted-average grant date fair 
value of shares vested during the year was $43.67 per 
share and for shares granted during the year was $42.43 
per share. As of December 31, 2014, there was $1.7 million 
of unrecognized compensation expense related to the 
unvested portion of performance awards expected to be 
recognized through 2016. 

66

Restricted Stock Units
In 2012, the Company began granting RSUs under the LTIP 
instead of stock options under the Restated SOP. The fair 
value of an RSU is equal to the closing market price of the 
Company's common stock on the grant date. During 2014, 
total RSU expense was $0.9 million compared to $0.6 
million in 2013. As of December 31, 2014, there was $2.2 
million of unrecognized compensation cost from grants of 
RSUs, which is expected to be recognized over a period 
extending through 2019. Generally, RSUs awarded include 
a performance-based threshold and a vesting period of four 
years from the grant date. An RSU obligates the Company 
upon vesting to issue the RSU holder one share of common 
stock plus a cash payment equal to the total amount of 
dividends paid per share between the grant date and 
vesting date of that portion of the RSU. 

Information regarding the RSU activity is summarized as 
follows:

Number
of
RSUs

Weighted -
Average
Price Per 
RSU

Nonvested, December 31, 2011

— $

Granted

Vested

Forfeited

25,224

—

(360)

Nonvested, December 31, 2012

24,864

$

Granted

Vested

Forfeited

Nonvested, December 31, 2013

Granted

Vested

Forfeited

Nonvested, December 31, 2014

25,748

(5,455)

(590)

44,567

38,765

(12,060)

(478)

70,794

—

47.58

—

48.00

47.57

45.38

48.01

46.58

46.27

42.19

46.52

45.47

44.00

Restated Stock Option Plan
The Restated SOP was terminated for new option grants in 
2012; however, options granted before the plan terminated 
will remain outstanding until the earlier of their expiration, 
forfeiture, or exercise. Any new grants of stock options 
would be made under the LTIP.

At December 31, 2014, a total of 416,088 shares of 
common stock remained reserved for issuance under the 
Restated SOP. As the plan is closed, there are no additional 
shares available for grant. Options under the Restated SOP 
were granted to officers and key employees designated by a 
committee of our Board of Directors. All options were 
granted at an option price equal to the closing market price 
on the date of grant and may be exercised for a period up to 
10 years and seven days from the date of grant. Option 
holders may exchange shares they have owned for at least 
six months, valued at the current market price, to purchase 
shares at the option price.

Information regarding the Restated SOP activity is 
summarized as follows:

Weighted -
Average
Price Per 
Share

Intrinsic
Value
(In millions)

Option
Shares

Balance outstanding,
December 31, 2011

579,225

$

42.09

$

Exercised

Forfeited

Balance outstanding,
December 31, 2012

Exercised

Forfeited

Balance outstanding,
December 31, 2013
Exercised

Forfeited

Balance outstanding,
December 31, 2014

Exercisable, 
December 31, 2014

(46,825)

(2,475)

529,925

(33,800)

(3,975)

492,150

(69,662)

(6,400)

40.62

43.78

42.22

32.16

43.72

42.89

39.82

43.59

416,088

43.40

388,965

43.23

3.4

0.4

n/a

1.3

0.3

n/a

0.6

0.5

n/a

2.7

2.6

During 2014, cash of $2.8 million was received for option 
shares exercised and $0.1 million related tax benefit was 
realized. During 2014, 2013, and 2012, the total fair value of 
options that vested was $0.4 million, $0.5 million and $0.6 
million, respectively. The weighted average remaining life of 
options exercisable and outstanding at December 31, 2014 
was 4.2 years and 4.3 years, respectively.

Employee Stock Purchase Plan
The ESPP allows employees to purchase common stock at 
85% of the closing price on the trading day immediately 
preceding the initial offering date, which is set annually. 
Each eligible employee may purchase up to $21,239 worth 
of stock through payroll deductions over a 12-month period, 
with shares issued at the end of the 12-month subscription 
period.

Stock-Based Compensation Expense
Stock-based compensation expense is recognized as 
operations and maintenance expense or is capitalized as 
part of construction overhead. The following table 
summarizes the financial statement impact of stock-based 
compensation under our LTIP, Restated SOP and ESPP:

In thousands

2014

2013

2012

Operations and maintenance
expense, for stock-based
compensation

$ 2,309 $ 1,876 $ 1,668

Income tax benefit

(861)

(765)

(707)

Net stock-based compensation
effect on net income

$ 1,448 $ 1,111 $

961

Amounts capitalized for stock-based
compensation

$

597 $

331 $

294

67

 
7. DEBT

Short-Term Debt
Our primary source of short-term funds is from the sale of 
commercial paper and bank loans. In addition to issuing 
commercial paper or bank loans to meet seasonal working 
capital requirements, short-term debt is used temporarily to 
fund capital requirements. Commercial paper and bank 
loans are periodically refinanced through the sale of long-
term debt or equity securities. Our commercial paper 
program is supported by one or more committed credit
facilities. At December 31, 2014 and 2013, the amounts of 
commercial paper debt outstanding were $234.7 million and 
$188.2 million, respectively, and the average interest rate at 
December 31, 2014 and 2013 was 0.4% and 0.3%, 
respectively. The carrying cost of our commercial paper 
approximates fair value using Level 2 inputs, due to the 
short-term nature of the notes. See Note 2 for a description 
of the fair value hierarchy. At December 31, 2014, our 
commercial paper had a maximum maturity of 209 days and 
an average maturity of 98 days. 

On December 20, 2012, NW Natural entered into a five-year 
$300 million credit agreement, with a feature that allows the 
Company to request increases in the total commitment 
amount up to a maximum amount of $450 million. The credit 
agreement also permitted NW Natural to extend 
commitments for two additional one-year periods, subject to 
lender approval. The Company exercised the first of these 
extensions in December 2013, and the second in December 
2014 with a final maturity date of December 20, 2019. Also 
in December 2014, NW Natural amended the credit 
agreement to reduce the permitted letter of credit from $200 
million to $100 million. Any principal and unpaid interest 
owed on borrowings under the agreement is due and 
payable on or before the expiration date. There were no 
outstanding balances under the agreement and no letters of 
credit issued or outstanding at December 31, 2014 and 
2013. 

The credit agreement requires that we maintain credit 
ratings with Standard & Poor’s (S&P) and Moody’s Investors 
Service, Inc. (Moody’s) and notify the lenders of any change 
in our senior unsecured debt ratings or senior secured debt 
ratings, as applicable, by such rating agencies. A change in 
our debt ratings is not an event of default, nor is the 
maintenance of a specific minimum level of debt rating a 
condition of drawing upon the credit facility. However, 
interest rates on any loans outstanding under the credit 
facility are tied to debt ratings, which would increase or 
decrease the cost of any loans under the credit facility when 
ratings are changed.

The credit agreement also requires us to maintain a 
consolidated indebtedness to total capitalization ratio of 
70% or less. Failure to comply with this covenant would 
entitle the lenders to terminate their lending commitments 
and accelerate the maturity of all amounts outstanding. We 
were in compliance with this covenant at December 31, 
2014 and 2013.

Long-Term Debt
The issuance of first mortgage bonds (FMBs), which 
includes our medium-term notes, under the Mortgage and 
Deed of Trust (Mortgage) is limited by eligible property, 
adjusted net earnings and other provisions of the Mortgage. 
The Mortgage constitutes a first mortgage lien on 
substantially all of our utility property. In addition, our Gill 
Ranch subsidiary senior secured debt is secured by all of 
the membership interests in Gill Ranch as well as Gill 
Ranch’s debt service reserve account, which is recorded as 
restricted cash on the balance sheet.

Maturities and Outstanding Long-Term Debt
Retirement of long-term debt for each of the 12-month 
periods through December 31, 2019 and thereafter are as 
follows: 

In thousands

Year

2015
2016
2017
2018
2019
Thereafter

$

40,000
45,000
40,000
22,000
30,000
484,700

The following table presents our debt outstanding as of 
December 31:

In thousands

First Mortgage Bonds

8.26 % Series B due 2014
3.95 % Series B due 2014
4.70 % Series B due 2015
5.15 % Series B due 2016
7.00 % Series B due 2017
6.60 % Series B due 2018
8.31 % Series B due 2019
7.63 % Series B due 2019
5.37 % Series B due 2020
9.05 % Series A due 2021
3.176 % Series B due 2021
3.542% Series B due 2023
5.62 % Series B due 2023
7.72 % Series B due 2025
6.52 % Series B due 2025
7.05 % Series B due 2026
7.00 % Series B due 2027
6.65 % Series B due 2027
6.65 % Series B due 2028
7.74 % Series B due 2030
7.85 % Series B due 2030
5.82 % Series B due 2032
5.66 % Series B due 2033
5.25 % Series B due 2035
4.00 % due 2042

$

2014

2013

— $
—
40,000
25,000
40,000
22,000
10,000
20,000
75,000
10,000
50,000
50,000
40,000
20,000
10,000
20,000
20,000
19,700
10,000
20,000
10,000
30,000
40,000
10,000
50,000
641,700

10,000
50,000
40,000
25,000
40,000
22,000
10,000
20,000
75,000
10,000
50,000
50,000
40,000
20,000
10,000
20,000
20,000
19,700
10,000
20,000
10,000
30,000
40,000
10,000
50,000
701,700

Subsidiary Senior Secured Debt

Gill Ranch debt due 2016

Less: Current maturities

Total long-term debt

20,000
661,700
40,000
$ 621,700

40,000
741,700
60,000
$ 681,700

68

 
 
First Mortgage Bonds
NW Natural issued $50 million of FMBs on August 19, 2013 
with a coupon rate of 3.542% and a 10-year maturity. 

with a coupon rate of 8.26%. In June 2014, under the 
amended agreement Gill Ranch retired $20 million of 
variable interest rate debt with a coupon rate of 7.00%.

Subsidiary Senior Secured Debt
Gill Ranch has $20 million of fixed-rate senior secured debt 
outstanding, which was issued in 2011 with a maturity date 
of November 30, 2016 and an interest rate of 7.75%. 

Under the debt agreements, Gill Ranch is subject to certain 
covenants and restrictions including, but not limited to, a 
financial covenant that requires Gill Ranch to maintain 
minimum adjusted earnings before interest, taxes, 
depreciation, and amortization (EBITDA) at various levels 
over the term of the debt. As part of an amended 
agreement, the EBITDA covenant requirement is suspended 
through March 31, 2015 with lower EBITDA hurdles 
thereafter. The debt service reserve requirement was fixed 
at $3 million. 

Retirements of Long-Term Debt
The utility redeemed $50 million of FMBs with a coupon rate 
of 3.95% in July 2014 and $10 million in September 2014 

Fair Value of Long-Term Debt
Our outstanding debt does not trade in active markets. We 
estimate the fair value of our debt using utility companies 
with similar credit ratings, terms, and remaining maturities to 
our debt that actively trade in public markets. These 
valuations are based on Level 2 inputs as defined in the fair 
value hierarchy. See Note 2. 

The following table provides an estimate of the fair value of 
our long-term debt, including current maturities of long-term 
debt, using market prices in effect on the valuation date: 

In thousands

December 31,

2014

2013

Carrying amount

$

661,700

$

Estimated fair value

756,808

741,700

806,359

8. PENSION AND OTHER POSTRETIREMENT BENEFIT COSTS 

We maintain a qualified non-contributory defined benefit pension plan, non-qualified supplemental pension plans for eligible 
executive officers and other key employees, and other postretirement employee benefit plans. We also have qualified defined 
contribution plans (Retirement K Savings Plan) for all eligible employees. The qualified defined benefit pension plan and 
Retirement K Savings Plan have plan assets, which are held in qualified trusts to fund retirement benefits. Effective January 1, 
2007 and 2010, the qualified defined benefit retirement plans and postretirement benefits for non-union employees and union 
employees, respectively, were closed to new participants. These plans were not available to employees of our non-utility 
subsidiaries. Non-union and union employees hired or re-hired after December 31, 2006 and 2009, respectively, and employees 
of NW Natural subsidiaries are provided an enhanced Retirement K Savings Plan benefit.

The following table provides a reconciliation of the changes in benefit obligations and fair value of plan assets, as applicable, for 
the pension and other postretirement benefit plans, excluding the Retirement K Savings Plan, and a summary of the funded 
status and amounts recognized in the consolidated balance sheets as of December 31:

In thousands

Reconciliation of change in benefit obligation:

Obligation at January 1

Service cost

Interest cost

Net actuarial (gain) loss

Benefits paid

Obligation at December 31

Reconciliation of change in plan assets:

Fair value of plan assets at January 1

Actual return on plan assets

Employer contributions

Benefits paid

Fair value of plan assets at December 31

Funded status at December 31

Postretirement Benefit Plans

Pension Benefits

Other Benefits

2014

2013

2014

2013

$

391,089

$

435,889

$

28,754

$

33,119

7,213

18,198

90,710

(19,932)

8,698

16,400

(51,043)

(18,855)

483

1,252

3,454

(1,871)

656

1,157

(4,283)

(1,895)

$

487,278

$

391,089

$

32,072

$

28,754

$

267,062

$

249,603

$

19,957

12,077

22,872

13,442

(19,932)

(18,855)

— $

—

1,871

(1,871)

279,164

$

267,062

$

— $

—

—

1,895

(1,895)

—

(208,114) $

(124,027) $

(32,072) $

(28,754)

$

$

Our qualified defined benefit pension plan has an aggregate benefit obligation of $451.2 million and $362.4 million at December 
31, 2014 and 2013, respectively, and fair values of plan assets of $279.2 million and $267.1 million, respectively. 

69

The following table presents amounts realized through regulatory assets or in other comprehensive loss (income) for the years 
ended December 31:

Regulatory Assets

Other Comprehensive Loss (Income)

Pension Benefits

Other Postretirement Benefits

Pension Benefits

In thousands

2014

2013

2012

2014

2013

2012

2014

2013

2012

Net actuarial loss (gain)

$ 83,027

$ (51,892) $ 26,504

$ 3,454

$ (4,283) $

3,182

$

7,221

$

(3,302) $

3,511

Amortization of:

Transition obligation

Prior service cost

Actuarial loss

—

(230)

—

(230)

—

(230)

(9,823)

(16,744)

(14,482)

—

(197)

(221)

—

(197)

(733)

(411)

(197)

(435)

—

7

—

7

—

35

(1,091)

(1,550)

(1,150)

Total

$ 72,974

$ (68,866) $ 11,792

$ 3,036

$ (5,213) $

2,139

$

6,137

$

(4,845) $

2,396

The following table presents amounts recognized in regulatory assets and accumulated other comprehensive loss (AOCL) at 
December 31:

In thousands

Prior service cost

Net actuarial loss

Total

Regulatory Assets

AOCL

Pension Benefits

Other Postretirement Benefits

Pension Benefits

2014

2013

2014

2013

2014

2013

$

$

637

$

867

$

488

$

685

$

2

$

(5)

192,846

119,638

7,898

4,665

16,604

193,483

$

120,505

$

8,386

$

5,350

$

16,606

$

10,475

10,470

The following table presents amounts recognized in AOCL and the changes in AOCL related to our non-qualified employee 
benefit plans:

In thousands

Beginning balance

Amounts reclassified to AOCL

Amounts reclassified from AOCL:

Amortization of prior service costs

Amortization of actuarial losses

Total reclassifications before tax

Tax (benefit) expense

Total reclassifications for the period

Ending balance

Year Ended December 31,

2014

2013

$

$

(6,358) $

(7,221)

(7)

1,091

(6,137)

2,419

(3,718)

(10,076) $

(9,291)

3,302

(7)

1,550

4,845

(1,912)

2,933

(6,358)

In 2015, an estimated $17.0 million will be amortized from 
regulatory assets to net periodic benefit costs, consisting of 
$16.6 million of actuarial losses, and $0.4 million of prior 
service costs. A total of $2.2 million will be amortized from 
AOCL to earnings related to actuarial losses.

Our assumed discount rate for the pension plan and other 
postretirement benefit plans was determined independently 
based on the Citigroup Above Median Curve (discount rate 
curve), which uses high quality corporate bonds rated AA- 
or higher by S&P or Aa3 or higher by Moody’s. The discount 
rate curve was applied to match the estimated cash flows in 
each of the Company's plans to reflect the timing and 
amount of expected future benefit payments for these plans.

Our assumed expected long-term rate of return on plan 
assets for the qualified pension plan was developed using a 
weighted average of the expected returns for the target 
asset portfolio. In developing the expected long-term rate of 
return assumption, consideration was given to the historical 

performance of each asset class in which the plans’ assets 
are invested and the target asset allocation for plan assets.

Our investment strategy and policies for qualified pension 
plan assets held in the retirement trust fund were approved 
by our retirement committee, which is composed of senior 
management with the assistance of an outside investment 
consultant. The policies set forth the guidelines and 
objectives governing the investment of plan assets. Plan 
assets are invested for total return with appropriate 
consideration for liquidity, portfolio risk, and return 
expectations. All investments are expected to satisfy the 
prudent investments rule under the Employee Retirement 
Income Security Act of 1974. The approved asset classes 
may include cash and short-term investments, fixed income, 
common stock and convertible securities, absolute and real 
return strategies, real estate, and investments in NW 
Natural securities. Plan assets may be invested in 
separately managed accounts or in commingled or mutual 
funds. Investment re-balancing takes place periodically as 

70

 
 
 
needed, or when significant cash flows occur, in order to 
maintain the allocation of assets within the stated target 
ranges. Our expected long-term rate of return is based upon 
historical index returns by asset class, adjusted by a factor 
based on our historical return experience, diversified asset 
allocation and active portfolio management by professional 
investment managers. The retirement trust fund is not 
currently invested in NW Natural securities.

The following table presents the pension plan asset target 
allocation at December 31, 2014:

Asset Category

U.S. large cap equity

U.S. small/mid cap equity

Non-U.S. equity

Emerging markets equity

Long government/credit

High yield bonds

Emerging market debt

Real estate funds

Absolute return strategy

 Target Allocation

18.0%

10.0

18.0

5.0

20.0

5.0

5.0

7.0

12.0

Our non-qualified supplemental defined benefit plan 
obligations were $36.1 million and $28.7 million at 

December 31, 2014 and 2013, respectively. These plans 
are not subject to regulatory deferral, and the changes in 
actuarial gains and losses, prior service costs and transition 
assets, or obligations are recognized in AOCL, net of tax 
until they are amortized as a component of net periodic 
benefit cost. These are unfunded, non-qualified plans with 
no plan assets; however, we indirectly fund a portion of our 
obligations with company- and trust-owned life insurance 
and other assets.

Our other postretirement benefit plans are unfunded plans 
but are subject to regulatory deferral. The actuarial gains 
and losses, prior service costs, and transition assets or 
obligations for these plans are recognized as a regulatory 
asset. 

Net periodic benefit costs consist of service costs, interest 
costs, the amortization of actuarial gains and losses, and
the expected returns on plan assets, which are based in 
part on a market-related valuation of assets. The market-
related valuation reflects differences between expected 
returns and actual investment returns with the differences 
recognized over a three-year or less period from the year in 
which they occur, thereby reducing year-to-year net periodic 
benefit cost volatility.

The following table provides the components of net periodic benefit cost for the Company's pension and other postretirement 
benefit plans for the years ended December 31: 

In thousands

Service cost

Interest cost

Expected return on plan assets

Amortization of transition obligations

Amortization of prior service costs

Amortization of net actuarial loss

Net periodic benefit cost

Amount allocated to construction
Amount deferred to regulatory balancing account(1)

Pension Benefits

Other Postretirement Benefits

2014

2013

2012

2014

2013

2012

$

7,213

$

8,698

$

8,047

$

483

$

656

$

18,198

(19,496)

—

223

10,914

17,052

(4,625)

(4,578)

16,400

17,295

1,252

1,157

(18,721)

(19,082)

—

223

18,294

24,894

(6,712)

(9,115)

—

195

15,631

22,086

(5,820)

(7,876)

—

—

197

221

2,153

(702)

—

—

—

197

734

2,744

(856)

—

592

1,267

—

411

197

435

2,902

(882)

—

Net amount charged to expense

$

7,849

$

9,067

$

8,390

$

1,451

$

1,888

$

2,020

(1)   The deferral of certain pension expenses above or below the amount set in rates was approved by the OPUC, with recovery of these 

deferred amounts through the implementation of a balancing account, which includes the expectation of lower net periodic benefit costs in 
future years. Deferred pension expense balances include accrued interest at the utility’s authorized rate of return, with the equity portion of 
the interest being deferred until amounts are collected in rates. See Note 2.

71

  
 
Net periodic benefit costs are reduced by amounts capitalized to utility plant based on approximately 25% to 35% payroll 
overhead charge. In addition, a certain amount of net periodic benefit costs are recorded to the regulatory balancing account for 
pensions. Net periodic pension cost less amounts charged to capital accounts and regulatory balancing accounts are expenses 
recognized in earnings.

The following table provides the assumptions used in measuring periodic benefit costs and benefit obligations for the years 
ended December 31:

Pension Benefits

Other Postretirement Benefits

2014

2013

2012

2014

2013

2012

Assumptions for net periodic benefit cost:

Weighted-average discount rate

4.71%

3.84%

4.51%

4.45%

3.56%

4.33%

Rate of increase in compensation

3.25-5.0%

3.25-5.0%

3.25-5.0%

Expected long-term rate of return

7.50%

7.50%

8.00%

n/a

n/a

n/a

n/a

n/a

n/a

Assumptions for year-end funded status:

Weighted-average discount rate

3.85%

4.73%

3.85%

3.74%

4.45%

3.56%

Rate of increase in compensation

3.25-5.0%

3.25-5.0%

3.25-5.0%

Expected long-term rate of return

7.50%

7.50%

7.50%

n/a

n/a

n/a

n/a

n/a

n/a

The assumed annual increase in health care cost trend 
rates used in measuring other postretirement benefits as of 
December 31, 2014 was 8.00% for pre-65 and 11.75% for 
post-65 populations. These trend rates apply to both 
medical and prescription drugs. Medical costs and 
prescription drugs are assumed to decrease gradually each 
year to a rate of 4.75% by 2022.

The following table provides information regarding employer 
contributions and benefit payments for the qualified pension 
plan, non-qualified pension plans, and other postretirement 
benefit plans for the years ended December 31, and 
estimated future contributions and payments:

In thousands

Pension Benefits

Other Benefits

$

62

$

(55)

Estimated Future Benefit Payments:

Employer Contributions:

2013

2014

2015 (estimated)

Benefit Payments:

2012

2013

2014

2015

2016

2017

2018

2019

$

13,907

$

12,077

16,567

18,195

18,855

19,932

20,315

20,993

21,784

22,799

24,162

1,895

1,871

1,848

1,971

1,895

1,871

1,848

1,918

1,955

2,007

2,075

2020-2024

137,839

10,412

Assumed health care cost trend rates can have a significant 
effect on the amounts reported for the health care plans; 
however, other postretirement benefit plans have a cap on 
the amount of costs reimbursable from the Company. A one 
percentage point change in assumed health care cost trend 
rates would have the following effects:

In thousands

1% Increase

1% Decrease

Effect on net periodic
postretirement health care
benefit cost

Effect on the accumulated
postretirement benefit obligation

1,260

(965)

The Company adopted a new set of mortality tables for its 
plans beginning with 2014. The tables were released in 
October 2014 by the Society of Actuaries' Retirement Plans 
Experience Committee and project a mortality improvement, 
thereby increasing benefit plan liabilities.

72

 
 
 
 
 
 
 
 
 
 
 
 
Employer Contributions to Company-Sponsored 
Defined Benefit Pension Plans
We make contributions to our qualified defined benefit 
pension plans based on actuarial assumptions and 
estimates, tax regulations, and funding requirements under 
federal law. The Pension Protection Act of 2006 (the Act) 
established funding requirements for defined benefit plans. 
The Act establishes a 100% funding target over seven years 
for plan years beginning after December 31, 2008. In 2012 
the Moving Ahead for Progress in the 21st Century Act 
(MAP-21) legislation changed several provisions affecting 
pension plans, including temporary funding relief and 
Pension Benefit Guaranty Corporation (PBGC) premium 
increases, which reduces the level of minimum required 
contributions in the near-term but generally increases 
contributions in the long-run and increases the operational 
costs of running a pension plan. In 2014, the Highway and 
Transportation Funding Act (HATFA) was signed and 
extends certain aspects of MAP-21 as well as modifies the 
phase-out periods for the limitations.  

Our qualified defined benefit pension plan is currently 
underfunded by $172.0 million at December 31, 2014. 
Including the impacts of MAP-21 and HATFA, we made 
cash contributions totaling $10.5 million to our qualified 
defined benefit pension plan for 2014. During 2015, we 
expect to make contributions of approximately $15 million to 
this plan.

Multiemployer Pension Plan
In addition to the Company-sponsored defined benefit plans 
presented above, prior to 2014 we contributed to a 
multiemployer pension plan for our utility's union employees 
known as the Western States Office and Professional 
Employees International Union Pension Fund (Western 
States Plan). The plan's employer identification number is 
94-6076144. Effective December 22, 2013, we withdrew 
from the plan, which was a noncash transaction. Vested 
participants will receive all benefits accrued through the 
date of withdrawal. As the plan was underfunded at the time 
of withdrawal, we were assessed a withdrawal liability of 
$8.3 million, plus interest, which requires NW Natural to pay 
$0.6 million each year to the plan for 20 years beginning in 
July 2014. The cost of the withdrawal liability was deferred 
to a regulatory account on the balance sheet. 

We made payments of $0.4 million for 2014 and as of 
December 31, 2014 the liability balance was $8.1 million. 
For 2013 and 2012, contributions to the plan were $0.5 
million and $0.4 million, respectively, which was 
approximately 4% to 5% of the total contributions to the plan 
by all employer participants in those years.

Defined Contribution Plan
The Retirement K Savings Plan is a qualified defined 
contribution plan under Internal Revenue Code Section   
401(k). Employer contributions totaled $3.4 million for 2014 
and $2.2 million for both 2013 and 2012. The Retirement K 
Savings Plan includes an Employee Stock Ownership Plan. 

Deferred Compensation Plans
The supplemental deferred compensation plans for eligible 
officers and senior managers are non-qualified plans. These 
plans are designed to enhance the retirement savings of 
employees and to assist them in strengthening their 
financial security by providing an incentive to save and 
invest regularly. 

Fair Value
Following is a description of the valuation methodologies 
used for assets measured at fair value. In cases where the 
pension plan is invested through a collective trust fund or 
mutual fund, our custodian uses the fund's market value. 
The custodian also provides the market values for 
investments directly owned.

U.S. LARGE CAP EQUITY and U.S. SMALL/MID CAP 
EQUITY. These are level 1 and 2 assets. The level 1 assets 
consist of directly held stocks and mutual funds with a 
readily determinable fair value, including a published net 
asset value (NAV). The level 2 assets consist of mutual 
funds where NAV is not published but the investment can be 
readily disposed of at NAV or market value. Directly held 
stocks are valued at the closing price reported in the active 
market on which the individual security is traded, and 
mutual funds are valued at NAV. This asset class includes 
investments primarily in U.S. common stocks.

NON-U.S. EQUITY. These are level 1 and 2 assets. The level 
1 assets consist of directly held stocks, and the level 2 
assets consist of an open-end mutual fund and a 
commingled trust where the NAV/unit price is not published 
but the investment can be readily disposed of at the NAV/
unit price. Directly held stocks are valued at the closing 
price reported in the active market on which the individual 
security is traded, and the mutual fund is valued at NAV, 
while the commingled trust is valued at the unit price of the 
trust. This asset class includes investments primarily in 
foreign equity common stocks.

EMERGING MARKETS EQUITY. This is a level 2 asset 
consisting of an open-end mutual fund where the NAV price 
is not published but the investment can be readily disposed 
of at the NAV. This asset class includes investments 
primarily in common stocks in emerging markets.

FIXED INCOME. This is a level 2 asset consisting of a mutual 
fund, valued at NAV, where NAV is not published, but the 
investment can be readily disposed of at NAV. This asset 
class includes investments primarily in investment grade 
debt and fixed income securities.

LONG GOVERNMENT/CREDIT. These are level 1 and 2 
assets. The level 1 assets consist of a fixed-income mutual 
fund with readily determinable fair value, including a 
published NAV. The level 2 assets consist of directly held 
fixed-income securities whose values are determined by 
closing prices if available and by matrix prices for illiquid 
securities. This asset class includes long duration fixed 
income investments primarily in U.S. treasuries, U.S. 
government agencies, municipal securities, mortgage-
backed securities, asset-backed securities, as well as U.S. 
and international investment-grade corporate bonds.

73

 
  
HIGH YIELD BONDS. These are level 2 assets consisting of a 
limited partnership where valuation is not published but the 
investment can be readily disposed of at market value. This 
asset class includes investments primarily in high yield 
bonds.

REAL RETURN STRATEGY. These are level 1 assets 
representing a mutual fund with a readily determinable fair 
value, including a published NAV. This asset class includes 
an investment in a broad range of assets primarily including 
fixed income, high-yield bonds, and emerging market debt.

EMERGING MARKET DEBT. These are level 1 assets 
consisting of a mutual fund with a readily determinable fair 
value, including a published NAV. This asset class includes 
investments primarily in emerging market debt. 

REAL ESTATE FUNDS. These are level 1 assets consisting of 
a mutual fund with a readily determinable fair value, 
including a published NAV. This asset class includes 
investments primarily in real estate investment trust (REIT) 
equity securities globally. 

ABSOLUTE RETURN STRATEGY. These are level 2 assets 
consisting of a hedge fund of funds where valuations are not 
published but the investment can be readily disposed of at 
unit price. The hedge fund of funds is valued at the 
weighted average value of investments in various hedge 
funds, which in turn are valued at the closing price of the 
underlying securities. This asset class primarily includes 
investments in common stocks and fixed income securities. 

CASH AND CASH EQUIVALENTS. These are level 2 assets 
representing mutual funds without published NAV's but the 
investment can be readily disposed of at NAV. The mutual 
funds are valued at the NAV of the shares held by the plan 
at the valuation date. This asset class primarily includes 
money market mutual funds.

The preceding valuation methods may produce a fair value 
calculation that is not indicative of net realizable value or 
reflective of future fair values. Although we believe these 
valuation methods are appropriate and consistent with other 
market participants, the use of different methodologies or 
assumptions to determine the fair value of certain financial 
instruments could result in a different fair value 
measurement at the reporting date.

Investment securities are exposed to various financial risks 
including interest rate, market, and credit risks. Due to the 
level of risk associated with certain investment securities, it 
is reasonably possible that changes in the values of our 
investment securities will occur in the near term and such 
changes could materially affect our investment account 
balances and the amounts reported as plan assets available 
for benefit payments.

74

  
The following table presents the fair value of plan assets, including outstanding receivables and liabilities, of the retirement trust 
fund:

In thousands

Investments

U.S. large cap equity

U.S. small/mid cap equity

Non-U.S. equity

Emerging markets equity

Fixed income

Long government/credit

High yield bonds

Emerging market debt

Real estate funds

Absolute return strategy

Real return strategy

Cash and cash equivalents

Total investments

Investments

U.S. large cap equity

U.S. small/mid cap equity

Non-U.S. equity

Emerging markets equity

Fixed income

Long government/credit

High yield bonds

Emerging market debt

Real estate funds

Absolute return strategy

Real return strategy

Cash and cash equivalents

Total investments

Receivables

Accrued interest and dividend income

Due from broker for securities sold

Total receivables

Liabilities

Due to broker for securities purchased

Total investment in retirement trust

December 31, 2014

Level 1

Level 2

Level 3

Total

$

39,405

$

122

$

— $

27,172

16,369

—

—

40,584

—

9,133

18,890

—

8,308

—

85

17,221

7,145

598

40,235

13,087

—

—

37,065

—

1,720

—

—

—

—

—

—

—

—

—

—

—

39,527

27,257

33,590

7,145

598

80,819

13,087

9,133

18,890

37,065

8,308

1,720

$

159,861

$

117,278

$

— $

277,139

December 31, 2013

Level 1

Level 2

Level 3

Total

$

39,124

$

30,465

16,782

7,405

—

33,152

—

9,987

16,559

—

13,031

—

$

79

55

17,202

—

367

32,763

12,890

—

—

35,339

—

1,418

— $

—

—

—

—

—

—

—

—

—

—

—

39,203

30,520

33,984

7,405

367

65,915

12,890

9,987

16,559

35,339

13,031

1,418

$

166,505

$

100,113

$

— $

266,618

December 31,

2014

2013

  $

510

$

1,694

  $

2,204

$

468

1,154

1,622

  $

  $

179

279,164

$

$

1,178

267,062

75

 
 
 
 
 
 
 
 
 
 
 
 
 
 
9. INCOME TAX

The following table provides a reconciliation between 
income taxes calculated at the statutory federal tax rate and 
the provision for income taxes reflected in the consolidated 
statements of comprehensive income for December 31:

Dollars in thousands

2014

2013

2012

Income taxes at federal
statutory rate

Increase (decrease):

Current state income tax,
net of federal tax benefit

Amortization of investment
tax credits

Differences required to be
flowed-through by
regulatory commissions

Gains on company and
trust-owned life insurance

Regulatory asset
impairment

Other, net

$ 35,117

$ 35,785

$ 35,764

4,666

4,674

4,773

(201)

(271)

(350)

2,357

2,357

1,718

(689)

(864)

(800)

—

393

—

24

2,700

(402)

Total provision for income
taxes

$ 41,643

$ 41,705

$ 43,403

Effective tax rate

41.5%

40.8%

42.5%

The increase in the effective income tax rate for 2014 
compared to 2013 was primarily the result of a $0.6 million 
income tax charge in 2014 related to a higher statutory tax 
rate in Oregon, which required the revaluation of deferred 
tax balances. The decrease in the effective income tax rate 
for 2013 compared to 2012 was primarily the result of an 
after-tax charge of $2.7 million in 2012 related to the 
OPUC's rate case order that the Company could not 
recover from customers the increase in deferred tax 
liabilities resulting from the 2009 Oregon income tax rate 
increase.

The provision (benefit) for current and deferred income 
taxes consists of the following at December 31:

The following table summarizes the total provision (benefit) 
for income taxes for the utility and non-utility business 
segments for December 31:

In thousands

Utility:

   Current

   Deferred

Deferred investment tax
credits

Non-utility business
segments:

   Current

   Deferred

2014

2013

2012

$ 24,317

$

(73) $

1,909

19,518

38,073

39,163

(201)

(271)

(350)

43,634

37,729

40,722

(9,470)

7,479

(1,991)

—

3,976

3,976

(117)

2,798

2,681

Total provision for income
taxes

$ 41,643

$ 41,705

$ 43,403

The following table summarizes the tax effect of significant 
items comprising our deferred income tax accounts at 
December 31:

In thousands

Deferred tax liabilities:

   Plant and property

   Regulatory income tax assets

   Regulatory liabilities

   Non-regulated deferred tax liabilities

      Total

Deferred tax assets:

Pension and postretirement
obligations

Alternative minimum tax credit
carryforward

   Loss and credit carryforwards

      Total

2014

2013

$ 386,732

$ 362,160

51,805

55,776

48,683

56,183

71,971

47,516

$ 542,996

$ 537,830

$

6,537

$

4,112

16,788

12,657

35,982

1,939

45,351

51,402

In thousands

Current

   Federal

   State

Deferred

   Federal

   State

2014

2013

2012

Deferred income tax liabilities, net

507,014

486,428

$ 14,823

$

(62) $

1,693

24

14,847

(11)

(73)

99

1,792

18,635

35,109

8,161

6,669

26,796

41,778

31,187

10,424

41,611

Deferred investment tax credits

166

367

Deferred income taxes and investment
tax credits

$ 507,180

$ 486,795

Management assesses the available positive and negative 
evidence to estimate if sufficient taxable income will be 
generated to utilize the existing deferred tax assets. Based 
upon this assessment, we have determined we are more 
likely than not to realize all deferred tax assets recorded as 
of December 31, 2014.

Total provision for
income taxes

$ 41,643

$ 41,705

$ 43,403

   Total income taxes paid

$ 19,445

$

870

$

2,979

76

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
10. PROPERTY, PLANT, AND EQUIPMENT

The following table sets forth the major classifications of our 
property, plant, and equipment and accumulated 
depreciation at December 31:

In thousands

2014

2013

Utility plant in service

$2,661,097

$2,585,901

Utility construction work in progress

24,886

28,855

Less: Accumulated depreciation

836,510

827,380

Utility plant, net

Non-utility plant in service

Non-utility construction work in
progress

Less: Accumulated depreciation

1,849,473

1,787,376

297,295

297,330

9,282

34,457

6,653

28,485

Non-utility plant, net

272,120

275,498

Total property, plant, and equipment

$2,121,593

$2,062,874

Capital expenditures in accrued
liabilities

$

8,757

$

10,691

The weighted average depreciation rate was 2.8% for utility 
assets and 2.2% for non-utility assets in 2014, 2013, and 
2012.

Accumulated depreciation does not include the accumulated 
provision for asset removal costs of $311.2 million and 
$296.3 million at December 31, 2014 and 2013, 
respectively. These accrued asset removal costs are 
reflected on the balance sheets as regulatory liabilities. See 
Note 2. In addition, we acquired equipment under capital 
leases of $1.3 million and $0.2 million in 2014 and 2013, 
respectively. 

The Company estimates it has net operating loss (NOL) 
carryforwards of $28.8 million for federal taxes and $49.4 
million for Oregon taxes at December 31, 2014. We 
anticipate fully utilizing these NOL carryforward balances 
before they begin to expire in 2033 for federal and 2027 for 
Oregon. Alternative minimum tax (AMT) credits of $16.8 
million, general business credits of $0.2 million, and 
charitable contribution carryforwards of $4.6 million are also 
available. The AMT credits do not expire, and we anticipate 
fully utilizing the general business credits and charitable 
contribution carryforwards before they begin to expire in 
2033 and 2015, respectively.

 As a result of certain realization requirements prescribed in 
the accounting guidance for income taxes, the tax benefit of 
statutory depletion is recognized no earlier than the year in 
which the depletion is deductible on the Company’s federal 
income tax return. Income tax expense will be decreased by 
approximately $0.9 million if and when the deferred 
depletion from 2013 and 2014 is realized.  

Uncertain tax positions are accounted for in accordance 
with accounting standards that require management’s 
assessment of the anticipated settlement outcome of 
material uncertain tax positions taken in a prior year, or 
planned to be taken in the current year. Until such positions 
are sustained, we would not recognize the uncertain tax 
benefits resulting from such positions. No reserves for 
uncertain tax positions existed as of December 31, 2014, 
2013, or 2012.

The Company’s examination by the Internal Revenue 
Service (IRS) for tax years 2009 through 2011 was 
completed during the first quarter of 2014. The examination 
did not result in a material change to the returns as 
originally filed or previously adjusted for net operating loss 
carrybacks. The 2013 and 2014 tax years are currently in 
examination under the IRS Compliance Assurance Process 
(CAP). The Company’s 2015 tax year CAP application has 
been accepted by the IRS. Under the CAP program the 
Company works with the IRS to identify and resolve material 
tax matters before the tax return is filed each year. As of 
December 31, 2014, tax year 2012 remains open for federal 
examination.

In 2012 the Company settled the Oregon Department of 
Revenue examination of tax years 2006 through 2009. This 
settlement resulted in an additional $0.2 million state tax 
expense, including interest, but was offset by a 
corresponding refund claim with the state of California. As of 
December 31, 2014, tax years 2011 through 2014 are open 
for Oregon examination.

77

11. GAS RESERVES

Our gas reserves are stated at cost, net of regulatory 
amortization, with the associated deferred tax benefits 
recorded as liabilities on the balance sheet. 

We entered into agreements with Encana Oil & Gas (USA) 
Inc. (Encana) in 2011 to develop and produce physical gas 
reserves and provide long-term gas price protection for 
utility customers. Encana began drilling in 2011 under these 
agreements. Gas produced from working interests in these 
gas fields is sold at prevailing market prices, with revenues 
from such sales, less associated production costs, credited 
to the utility's cost of gas. The cost of gas, including a 
carrying cost for the rate base investment, is part of NW 
Natural's annual Oregon PGA filing, which allows us to 
recover our costs through customer rates. Our net 
investment under the original agreement earns a rate of 
return and provides long-term price protection for our utility 
customers. 

On March 28, 2014, we amended the original gas reserve 
agreement in order to facilitate Encana's proposed sale of 
its interest in the Jonah field to Jonah Energy LLC. Under 
the amendment, we ended the drilling program with 
Encana, but increased our assigned ownership interests in 
certain sections of the Jonah field and retained the right to 
invest in additional wells with the new owner. 

Since the amendment, we have been notified by Jonah 
Energy LLC of investment opportunities in the sections of 
the Jonah field where we have ownership interests. The 
amended agreement allows us to invest in additional wells 
on a well-by-well basis with drilling costs and resulting gas 
volumes shared at our amended proportionate ownership 
interest for each well in which we invest. We elected to 
participate in some of the additional wells drilled in 2014, 
and we may have the opportunity to participate in more 
wells in the future. We filed an application requesting 
regulatory deferral in Oregon for these additional 
investments. We have also signed a memorandum of 
understanding with all parties agreeing that individual wells 
drilled in any year will be reviewed for prudence annually 
going forward. Subsequently, we filed in 2015 seeking cost 
recovery for the additional wells drilled in 2014. A decision 
on the prudence of the wells drilled in 2014 will occur when 
the parties and Commission review our filing seeking cost 
recovery. Our cumulative investment of approximately $10 
million in these additional wells has been accounted for as 
a utility investment. If regulatory approval is not received, 
our investment in these additional wells would follow oil and 
gas accounting. 

Gas reserves acted to hedge the cost of gas
for approximately 10% and 6% of our utility's gas supplies 
for the years ended December 31, 2014 and 2013, 
respectively. 

The following table outlines our net gas reserves 
investment at December 31:

In thousands

2014

2013

Gas reserves, current

$

20,020

$

20,646

Gas reserves, non-current

167,190

140,573

Less: Accumulated amortization

37,910

18,575

Total gas reserves(1)

149,300

142,644

18,551

42,117

Less: Deferred taxes on gas reserves
Net investment in gas reserves(1)

$ 100,527
(1)   Total gas reserves includes our investment in additional wells, 

$ 130,749

subject to regulatory deferral approvals, with total gas 
reserves of $9.2 million and net investment of $8.4 million at 
December 31, 2014 and no net investment or total gas 
reserves from additional wells in 2013.

Variable Interest Entity (VIE) Analysis
We concluded that the arrangement with Encana qualifies 
as a variable interest (VI) as our interest represents a minor 
portion of total extraction activities. Our investment is 
included on our balance sheet under gas reserves with our 
maximum loss exposure limited to our current investment 
balance.

12. INVESTMENTS

Investments include financial investments in life insurance 
policies, which are accounted for at cash surrender value, 
net of policy loans, and equity investments in certain 
partnerships and limited liability companies, which are 
accounted for under the equity method. The following table 
summarizes our other investments at December 31:

In thousands

2014

2013

Investments in life insurance policies

$ 52,366

$ 51,791

Investments in gas pipeline

Other

13,962

14,048

1,910

2,012

   Total other investments

$ 68,238

$ 67,851

Investment in Life Insurance Policies
We have invested in key person life insurance contracts to 
provide an indirect funding vehicle for certain long-term 
employee and director benefit plan liabilities. The amount in 
the above table is reported at cash surrender value, net of 
policy loans.

Investments in Gas Pipeline
Trail West Pipeline, LLC (TWP), a wholly-owned subsidiary 
of TWH, is pursuing the development of a new gas 
transmission pipeline that would provide an interconnection 
with our utility distribution system. NWN Energy, a wholly-
owned subsidiary of NW Natural owns 50% of TWH, and 
50% is owned by TransCanada American Investments Ltd., 
an indirect wholly-owned subsidiary of TransCanada 
Corporation.  

78

VIE Analysis
TWH is a development stage VIE, with our investment in 
TWP reported under equity method accounting. We have 
determined we are not the primary beneficiary of TWH’s 
activities, in accordance with the authoritative guidance 
related to consolidations, as we only have a 50% share of 
the entity and there are no stipulations that allow us a 
disproportionate influence over it. Our investment in TWH 
and TWP are included in other investments on our balance 
sheet. Should this investment not be developed, then our 
maximum loss exposure related to TWH is limited to our 
equity investment balance, less our share of any cash or 
other assets available to us as a 50% owner. Our 
investment balance in TWH was $13.4 million at December 
31, 2014 and 2013. 

Impairment Analysis
Our investments in nonconsolidated entities accounted for 
under the equity method are reviewed for impairment at 
each reporting period and following updates to our 
corporate planning assumptions. If it is determined that a 
loss in value is other than temporary, a charge is recognized 
for the difference between the investment’s carrying value 
and its estimated fair value. Fair value is based on quoted 
market prices when available or on the present value of 
expected future cash flows. Differing assumptions could 
affect the timing and amount of a charge recorded in any 
period.

In 2011, TWP withdrew its original application with the 
FERC for a proposed natural gas pipeline in Oregon and 
informed FERC that it intended to re-file an application to 
reflect changes in the project scope aligning the project with 
the region’s current and future gas infrastructure needs. 
TWP continues working with customers in the Pacific  
Northwest to further understand their gas transportation 
needs and determine the commercial support for a revised 
pipeline proposal. A new FERC certificate application is 
expected to be filed to reflect a revised scope based on 
these regional needs.

Our equity investment was not impaired at December 31, 
2014 as the fair value of expected cash flows from planned 
development exceeded our remaining equity investment of 
$13.4 million at December 31, 2014. However, if we learn 
that the project is not viable or will not go forward, then we 
could be required to recognize a maximum charge of up to 
approximately $13.3 million based on the current amount of 
our equity investment, net of cash and working capital at 
TWP. We will continue to monitor and update our 
impairment analysis as required.

13. DERIVATIVE INSTRUMENTS

We enter into financial derivative contracts to hedge a 
portion of our utility’s natural gas sales requirements. These 
contracts include swaps, options, and combinations of 
option contracts. We primarily use these derivative financial 
instruments to manage commodity price variability. A small 
portion of our derivative hedging strategy involves foreign 
currency exchange contracts. 

We enter into these financial derivatives, up to prescribed 
limits, primarily to hedge price variability related to our 
physical gas supply contracts as well as to hedge spot 
purchases of natural gas. The foreign currency forward 
contracts are used to hedge the fluctuation in foreign 
currency exchange rates for pipeline demand charges paid 
in Canadian dollars. 

In the normal course of business, we also enter into 
indexed-price physical forward natural gas commodity 
purchase contracts and options to meet the requirements of 
utility customers. These contracts qualify for regulatory 
deferral accounting treatment. 

We also enter into exchange contracts related to the third-
party asset management of our gas portfolio, some of which 
are derivatives that do not qualify for hedge accounting or 
regulatory deferral, but are subject to our regulatory sharing 
agreement.

Notional Amounts
The following table presents the absolute notional amounts 
related to open positions on our derivative instruments:

In thousands

Natural gas (in therms):

Financial

Physical

Foreign exchange

At December 31,

2014

2013

287,475

389,225

420,980

552,500

$ 12,230

$ 15,002

PGA
As of November 1, 2014, we reached our target hedge 
percentage for the 2014-15 gas year, and these hedge 
prices were included in the PGA filing and qualified for 
regulatory deferral. 

79

                                                                                    
Unrealized and Realized Gain/Loss
The following table reflects the income statement presentation for the unrealized gains and losses from our derivative 
instruments: 

In thousands

Benefit (expense) to cost of gas
 Less:
 Amounts deferred to regulatory accounts on balance sheet

Total gain (loss) in pre-tax earnings

$

$

December 31, 2014

December 31, 2013

Natural gas
commodity

Foreign
exchange

Natural gas
commodity

Foreign
exchange

(32,784) $

(382) $

4,985

$

(300)

32,782

(2) $

382

— $

(4,964)

21

$

300

—

Outstanding derivative instruments related to regulated utility operations are deferred in accordance with regulatory accounting 
standards. The cost of foreign currency forward and natural gas derivative contracts are recognized immediately in the cost of 
gas; however, costs above or below the amount embedded in the current year PGA are subject to a regulatory deferral tariff and 
therefore, are recorded as a regulatory asset or liability. 

We realized net gains of $10.5 million and net losses of $11.0 million for the years ended December 31, 2014 and 2013, 
respectively, from the settlement of natural gas financial derivative contracts. Realized gains and losses are recorded in cost of 
gas, deferred through our regulatory accounts, and amortized through customer rates in the following year. 

Credit Risk Management of Financial Derivatives 
Instruments
No collateral was posted with or by our counterparties as of 
December 31, 2014 or 2013. We attempt to minimize the 
potential exposure to collateral calls by counterparties 
to manage our liquidity risk. Counterparties generally allow a 
certain credit limit threshold before requiring us to post 
collateral against loss positions. Given our counterparty 
credit limits and portfolio diversification, we have not been 
subject to collateral calls in 2014 or 2013. Our collateral call 
exposure is set forth under credit support agreements, 
which generally contain credit limits. We could also be 
subject to collateral call exposure where we have agreed to 
provide adequate assurance, which is not specific as to the 
amount of credit limit allowed, but could potentially require 
additional collateral in the event of a material adverse 
change. 

Based upon current financial swap and option contracts 
outstanding, which reflect unrealized losses of $30.6 million 
at December 31, 2014, we have estimated the level of 
collateral demands, with and without potential adequate 
assurance calls, using current gas prices and various credit 
downgrade rating scenarios for NW Natural as follows:

Credit Rating Downgrade Scenarios

(Current
Ratings) 
A+/A3

BBB+/
Baa1

BBB/
Baa2

BBB-/
Baa3

Specul-
ative

$

— $ — $

4

$2,504

$ 27,150

—

—

—

—

19,646

In thousands

With
Adequate
Assurance
Calls

Without
Adequate
Assurance
Calls

Our financial derivative instruments are subject to master 
netting arrangements; however, they are presented on a 
gross basis in our statement of financial position. The 
Company and its counterparties have the ability to set-off 
their obligations to each other under specified 

80

circumstances. Such circumstances may include a 
defaulting party, a credit change due to a merger affecting 
either party, or any other termination event.

If netted by counterparty, our derivative position would result 
in an asset of $0.2 million and a liability of $33.4 million as 
of December 31, 2014. As of December 31, 2013, our 
derivative position would have resulted in an asset of $7.2 
million and a liability of $2.5 million.

We are exposed to derivative credit and liquidity risk 
primarily through securing fixed price natural gas commodity 
swaps to hedge the risk of price increases for our natural 
gas purchases made on behalf of customers. We utilize 
master netting arrangements through International Swaps 
and Derivatives Association contracts to minimize this risk 
along with collateral support agreements with counterparties 
based on their credit ratings. In certain cases we require 
guarantees or letters of credit from counterparties to meet 
our minimum credit requirement standards.

Our financial derivatives policy requires counterparties to 
have a certain investment-grade credit rating at the time the 
derivative instrument is entered into, and the policy specifies 
limits on the contract amount and duration based on each 
counterparty’s credit rating. We do not speculate with 
derivatives; instead, we use derivatives to hedge our 
exposure above risk tolerance limits. Any increase in market 
risk created by the use of derivatives should be offset by the 
exposures they modify.

We actively monitor our derivative credit exposure and place 
counterparties on hold for trading purposes or require other 
forms of credit assurance, such as letters of credit, cash 
collateral or guarantees as circumstances warrant. Our 
ongoing assessment of counterparty credit risk includes 
consideration of credit ratings, credit default swap spreads, 
bond market credit spreads, financial condition, government 
actions, and market news. We use a Monte-Carlo simulation 
model to estimate the change in credit and liquidity risk from 

  
the volatility of natural gas prices. The results of the model 
are used to establish earnings-at-risk trading limits. Our 
credit risk for all outstanding financial derivatives at 
December 31, 2014 extends to March 2017.

We could become materially exposed to credit risk with one 
or more of our counterparties if natural gas prices 
experience a significant increase. If a counterparty were to 
become insolvent or fail to perform on its obligations, we 
could suffer a material loss; however, we would expect such 
a loss to be eligible for regulatory deferral and rate recovery, 
subject to a prudence review. All of our existing 
counterparties currently have investment-grade credit 
ratings.

Fair Value
In accordance with fair value accounting, we include non-
performance risk in calculating fair value adjustments. This 
includes a credit risk adjustment based on the credit 
spreads of our counterparties when we are in an unrealized 
gain position, or on our own credit spread when we are in an 
unrealized loss position. The inputs in our valuation models 
include natural gas futures, volatility, credit default swap 
spreads, and interest rates. Additionally, our assessment of 
non-performance risk is generally derived from the credit 
default swap market and from bond market credit spreads. 
The impact of the credit risk adjustments for all outstanding 
derivatives was immaterial to the fair value calculation at 
December 31, 2014. As of December 31, 2014 and 2013, 
the net fair value was a liability of $33.2 million and an asset 
of $4.7 million, respectively, using significant other 
observable, or level 2, inputs. No level 3 inputs were used in 
our derivative valuations, and there were no transfers 
between level 1 or level 2 during the years ended December 
31, 2014 and 2013. See Note 2.

14. COMMITMENTS AND CONTINGENCIES

Leases
We lease land, buildings, and equipment under agreements 
that expire in various years, including a 99-year land lease 
that extends through 2108. Rental expense under operating 
leases was $5.9 million, $5.1 million, and $4.8 million for the 
years ended December 31, 2014, 2013, and 2012, 
respectively. The following table reflects the future minimum 
lease payments due under non-cancelable leases at 
December 31, 2014. These commitments relate principally 
to the lease of our office headquarters, underground gas 
storage facilities, and computer equipment.

Gas  Purchase  and  Pipeline  Capacity  Purchase  and 
Release Commitments
We have signed agreements providing for the reservation of 
firm pipeline capacity under which we are required to make 
fixed monthly payments for contracted capacity. The pricing 
component of the monthly payment is established, subject 
to change, by U.S. or Canadian regulatory bodies. In 
addition, we have entered into long-term sale agreements to 
release firm pipeline capacity. We also enter into short-term 
and long-term gas purchase agreements. 

The aggregate amounts of these agreements were as 
follows at December 31, 2014:

In thousands

2015

2016

2017

2018

2019

Thereafter

   Total

Less: Amount
representing
interest

Total at present
value

Gas
Purchase
Agreements

Pipeline
Capacity
Purchase
Agreements

Pipeline
Capacity
Release
Agreements

$

132,382

$

80,925

$

3,379

—

—

—

—

—

132,382

79,211

58,827

50,792

26,686

205,313

501,754

—

—

—

—

—

3,379

93

76,748

4

$

132,289

$

425,006

$

3,375

Our total payments for fixed charges under capacity 
purchase agreements were $94.3 million for 2014, $98.2 
million for 2013, and $94.3 million for 2012. Included in the 
amounts were reductions for capacity release sales of $4.8 
million for 2014, $4.5 million for 2013, and $4.2 million for 
2012. In addition, per-unit charges are required to be paid 
based on the actual quantities shipped under the 
agreements. In certain take-or-pay purchase commitments, 
annual deficiencies may be offset by prepayments subject 
to recovery over a longer term if future purchases exceed 
the minimum annual requirements.

Environmental Matters
See Note 15 for a discussion of environmental commitments 
and contingencies.

In thousands

Operating
leases

Capital
leases

2015

2016

2017

2018

2019

Thereafter

   Total

$

5,487

$

680

$

5,457

5,426

5,301

5,209

29,802

564

157

3

—

—

Minimum
lease
payments

6,167

6,021

5,583

5,304

5,209

29,802

$

56,682

$

1,404

$

58,086

81

 
 
15. ENVIRONMENTAL MATTERS

We own, or previously owned, properties that may require 
environmental remediation or action. We estimate the range 
of loss for environmental liabilities based on current 
remediation technology, enacted laws and regulations, 
industry experience gained at similar sites and an 
assessment of the probable level of involvement and 
financial condition of other potentially responsible parties. 
Due to the numerous uncertainties surrounding the course 
of environmental remediation and the preliminary nature of 
several site investigations, in some cases, we may not be 
able to reasonably estimate the high end of the range of 
possible loss. In those cases, we have disclosed the nature 
of the possible loss and the fact that the high end of the 
range cannot be reasonably estimated. Unless there is an 
estimate within a range of possible losses that is more likely 
than other cost estimates within that range, we record the 
liability at the low end of this range. It is likely that changes 
in these estimates and ranges will occur throughout the 
remediation process for each of these sites due to our 
continued evaluation and clarification concerning our 
responsibility, the complexity of environmental laws and 
regulations and the determination by regulators of 
remediation alternatives. 

In the 2012 Oregon general rate case, the SRRM 
mechanism was approved to recover the Company's 
deferred environmental costs. The Commission ordered a 
separate docket to determine the prudence of deferred 

costs, the allocation of insurance proceeds, and an earnings 
test that would be applied to past and future deferred costs. 
This separate docket was resolved in February 2015. See 
Note 16 for information regarding the resolution of this 
matter.

In Washington, the Company is authorized to defer 
environmental costs, if any, that are appropriately allocated 
to Washington customers. The cost recovery and carrying 
charges on amounts deferred for costs associated with 
services provided to Washington customers will be 
determined in a future proceeding. Annually, the Company 
reviews all regulatory assets for recoverability or more often 
if circumstances warrant. If we should determine all or a 
portion of these regulatory assets no longer meet the criteria 
for continued application of regulatory accounting, then we 
would be required to write off the net unrecoverable 
balances against earnings in the period such determination 
is made.

In December 2010, NW Natural commenced litigation 
against certain of its historical liability insurers in Multnomah 
County Circuit Court, State of Oregon. In February 2014, we 
settled with remaining defendant insurance companies and 
received additional payments of approximately $103 million. 
The Court dismissed the case on July 29, 2014. The 
Company has received total proceeds of approximately 
$150 million as a result of this litigation. The proceeds are 
recognized in regulatory accounts with the treatment 
determined under the SRRM. See Note 16. 

Environmental Sites
The following table summarizes information regarding liabilities related to environmental sites, which are recorded in other 
current liabilities and other noncurrent liabilities on the balance sheet at December 31: 

In thousands

Portland Harbor site:

Gasco/Siltronic Sediments

Other Portland Harbor

Gasco Upland site

Siltronic Upland site

Central Service Center site

Front Street site

Oregon Steel Mills

Total

Current Liabilities

Non-Current Liabilities

2014

2013

2014

2013

$

1,767

$

1,278

$

38,019

$

37,954

1,934

9,535

957

171

1,020

—

1,766

11,010

763

85

1,274

—

4,338

37,117

3,478

39,508

348

—

122

179

406

248

122

179

$

15,384

$

16,176

$

80,123

$

81,895

82

The following table presents information regarding the total 
amount of cash paid for environmental sites and the total 
regulatory asset deferred as of December 31:

In thousands

Cash paid(1)

2014

2013

$ 113,740

$

98,817

58,859

148,389

Total regulatory asset deferral(2)
(1) 

Includes $20.4 million reclassified to utility plant on November 
1, 2013 associated with the water treatment station of which a 
portion was paid during 2012 through 2014.
Includes cash paid, remaining liability, and interest, net of 
insurance reimbursement and amounts reclassified to utility 
plant for the water treatment station.

(2)  

PORTLAND HARBOR SITE. The Portland Harbor is an 
Environmental Protection Agency (EPA) listed Superfund 
site that is approximately 10 miles long on the Willamette 
River and is adjacent to NW Natural's Gasco uplands and 
Siltronic uplands sites. We have been notified that we are a 
potentially responsible party to the Superfund site and we 
have joined with some of the other potentially responsible 
parties (the Lower Willamette Group or LWG) to develop a 
Portland Harbor Remedial Investigation/Feasibility Study 
(RI/FS). The LWG submitted a draft Feasibility Study (FS) to 
the EPA in March 2012 providing a range of remedial costs 
for the entire Portland Harbor Superfund Site, which 
includes the Gasco/Siltronic Sediment site, discussed 
below. The range of costs estimated for various remedial 
alternatives for the entire Portland Harbor, as provided in the 
draft FS, is $169 million to $1.8 billion. NW Natural's 
potential liability is a portion of the costs of the remedy the 
EPA will select for the entire Portland Harbor Superfund 
site. The cost of that remedy is expected to be allocated 
among more than 100 potentially responsible parties. NW 
Natural is participating in a non-binding allocation process in 
an effort to settle this potential liability. We manage our 
liability related to the Superfund site as two distinct 
remediation projects, the Gasco/Siltronic Sediments and 
Other Portland Harbor projects.

Gasco/Siltronic Sediments. In 2009, NW Natural and Siltronic 
Corporation entered into a separate Administrative Order on 
Consent with the EPA to evaluate and design specific 
remedies for sediments adjacent to the Gasco uplands and 
Siltronic uplands sites. NW Natural submitted a draft 
Engineering Evaluation/Cost Analysis (EE/CA) to the EPA in 
May 2012 to provide the estimated cost of potential remedial
alternatives for this site. At this time, the estimated costs for 
the various sediment remedy alternatives in the draft EE/CA 
as well as costs for the additional studies and design work 
needed before the clean-up can occur, and for regulatory 
oversight throughout the clean-up range from $39.8 million 
to $350 million. We have recorded a liability of $39.8 million 
for the sediment clean-up, which reflects the low end of the 
range. At this time, we believe sediments at this site 
represent the largest portion of our liability related to the 
Portland Harbor site, discussed above. 

Other Portland Harbor. NW Natural incurs costs related to its 
membership in the LWG which is performing the RI/FS for 
the EPA. NW Natural also incurs costs related to natural 
resource damages from these sites. The Company and 
other parties have signed a cooperative agreement with the 
Portland Harbor Natural Resource Trustee council to 

83

participate in a phased natural resource damage 
assessment to estimate liabilities to support an early 
restoration-based settlement of natural resource damage 
claims. Natural resource damage claims may arise only 
after a remedy for clean-up has been settled. We have 
accrued a liability for these claims which is at the low end of 
the range of the potential liability; the high end of the range 
cannot be reasonably estimated at this time. This liability is 
not included in the range of costs provided in the draft FS 
for the Portland Harbor and noted above.

GASCO UPLANDS SITE. NW Natural owns a former gas 
manufacturing plant that was closed in 1958 (Gasco site) 
and is adjacent to the Portland Harbor site described above. 
The Gasco site has been under investigation by us for 
environmental contamination under the ODEQ Voluntary 
Clean-Up Program. It is not included in the range of 
remedial costs for the Portland Harbor site noted above. We 
manage the Gasco site in two parts, the uplands portion and 
the groundwater source control action. 

In May 2007, we completed a revised Remedial 
Investigation Report for the uplands portion and submitted it 
to ODEQ for review. We have recognized a liability for the 
remediation of the uplands portion of the site which is at the 
low end of the range of potential liability; the high end of the 
range cannot be reasonably estimated at this time.

In September 2013, we completed construction of a 
groundwater source control system, including a water 
treatment station, at the Gasco site. We are working with 
ODEQ on monitoring the effectiveness of the system and at 
this time it is unclear what, if any, additional actions ODEQ 
may require subsequent to the initial testing of the system or 
as part of the final remedy for the uplands portion of the 
Gasco site. We have estimated the cost associated with the 
ongoing operation of the system and have recognized a 
liability which is at the low end of the range of potential cost. 
We cannot estimate the high end of the range at this time 
due to the uncertainty associated with the duration of 
running the water treatment station, which is highly 
dependent on the remedy determined for both the upland 
portion as well as the final remedy for our Gasco sediment 
exposure.  

Beginning November 1, 2013, capital asset costs of $19.0 
million for the Gasco water treatment station were placed 
into rates with OPUC approval. The OPUC deemed these 
costs prudent. Beginning November 1, 2014, the OPUC 
approved the application of $2.5 million from insurance 
proceeds plus interest to reduce the total amount of Gasco 
capital costs to be recovered through rate base. A portion of 
these proceeds was noncash in 2014.

OTHER SITES. In addition to those sites above, we have 
environmental exposures at four other sites: Siltronic, 
Central Service Center, Front Street, and Oregon Steel 
Mills. Due to the uncertainty of the design of remediation, 
regulation, timing of the liabilities, and in the case of the 
Oregon Steel Mills site, pending litigation, liabilities for each 
of these sites have been recognized at their respective low 
end of the range of potential liability; the high end of the 
range could not be reasonably estimated as of December 
31, 2014. 

SILTRONIC UPLAND. A portion of the Siltronic property 
was formerly owned by NW Natural as part of the adjacent 
Gasco site. We are currently conducting an investigation of 
manufactured gas plant wastes on the uplands at this site 
for the ODEQ. 

Central Service Center site. We are currently performing an 
environmental investigation of the property under the 
ODEQ's Independent Cleanup Pathway. This site is on 
ODEQ's list of sites with confirmed releases of hazardous 
substances, and cleanup is necessary. 

Front Street site. The Front Street site was the former 
location of a gas manufacturing plant we operated. NW 
Natural is currently developing a feasibility study to support 
ODEQ's evaluation of potential clean-up alternatives.

Oregon Steel Mills site. See “Legal Proceedings,” below.

Legal Proceedings
NW Natural is subject to claims and litigation arising in the 
ordinary course of business. Although the final outcome of 
any of these legal proceedings cannot be predicted with 
certainty, including the matter described below, NW Natural 
does not expect that the ultimate disposition of any of these 

matters will have a material effect on our financial condition, 
results of operations or cash flows. See also Part I, Item 3, 
“Legal Proceedings.”

OREGON STEEL MILLS SITE. In 2004, NW Natural was 
served with a third-party complaint by the Port of Portland 
(the Port) in a Multnomah County Circuit Court case, 
Oregon Steel Mills, Inc. v. The Port of Portland. The Port 
alleges that in the 1940s and 1950s petroleum wastes 
generated by our predecessor, Portland Gas & Coke 
Company, and 10 other third-party defendants, were 
disposed of in a waste oil disposal facility operated by the 
United States or Shaver Transportation Company on 
property then owned by the Port and now owned by Oregon 
Steel Mills. The complaint seeks contribution for unspecified 
past remedial action costs incurred by the Port regarding the 
former waste oil disposal facility as well as a declaratory 
judgment allocating liability for future remedial action 
costs. No date has been set for trial. Although the final 
outcome of this proceeding cannot be predicted with 
certainty, we do not expect the ultimate disposition of this 
matter will have a material effect on our financial condition, 
results of operations or cash flows.

84

 
 
 
•  Any amounts in excess of the annual $10 million (plus 

interest from insurance) described above would be fully 
recoverable through the SRRM, to the extent the utility 
earns at or below its authorized Return On Equity (ROE).  
To the extent the Company earns more than its authorized 
ROE in a year, the Company would be required to cover 
environmental expenses greater than the $10 million (plus 
interest from insurance) with those earnings that exceed 
its authorized ROE. 

•  For purposes of this earnings test, all earnings derived 

from utility assets, including gains and losses associated 
with NW Natural’s weighted average cost of gas incentive 
mechanism, plus 50% of the Company’s earnings derived 
from the Company’s portion of its asset management 
agreement with our independent energy marketing 
company for asset management services associated with 
utility assets will be included.   

•  In any year that environmental expenses are less than 
$10 million (plus the interest on insurance), any unused 
tariff rider amount will offset deferred amounts otherwise 
collected through the SRRM and any unused insurance 
proceeds (plus interest on insurance) will roll forward to 
offset the next year’s expenses.  

•  Any remaining funds will be used to offset environmental 

remediation costs at the end of the project.

The Company is evaluating the results of the Order, 
including those noted above as well as the state allocations. 
At this time, the Company does not anticipate a 
disallowance for 2013 or 2014 based on the earnings test 
outlined above. 

In accordance with accounting guidance and the Company's 
policy, the Company expects to recognize net deferred 
interest income of approximately $4 million pre-tax on the 
associated regulatory account balances in the first quarter of 
2015. 

Under the Order, the OPUC will revisit the deferral and 
amortization of future remediation expenses, as well as the 
treatment of remaining insurance proceeds in three years, 
or earlier if the Company gains greater certainty about its 
future remediation costs.  

The Company continues to evaluate the effects of the Order 
and is required to file a compliance report with the OPUC 
within 30 days of the Order demonstrating how it will be 
implemented. The compliance filing is subject to review and 
approval by the OPUC and, as a consequence thereof, 
additional or different implementation procedures could be 
required, which may, among other things, result in additional 
impacts on earnings. The Company anticipates filing the 
compliance report as required by the Order in March 2015.

16. SUBSEQUENT EVENT 

As previously disclosed, in NW Natural’s 2012 Oregon 
general rate case, the OPUC adopted a Site Remediation 
and Recovery Mechanism (SRRM), through which NW 
Natural would track and recover past deferred and future 
environmental remediation costs. The OPUC ordered a 
separate docket to determine the following items:
•  whether and how an earnings test should affect the 

recovery of already deferred environmental expenses,
•  how an earnings test should apply to the recovery of 

future environmental expenditures through the SRRM,
•  how to apply insurance proceeds received to offset past 

and/or future environmental expenses, and

•  the prudence of environmental expenses and insurance 

recoveries. 

On February 20, 2015, the OPUC issued an Order 
addressing these outstanding items. In the Order, the OPUC 
determined that NW Natural’s environmental remediation 
expenses and associated carrying costs through March 31, 
2014 were prudently incurred, and the Company’s 
settlement with insurance carriers resulting in insurance 
proceeds received was prudent.  

The Order also approves the allocation of environmental 
costs between states based on historical manufactured gas 
usage with approximately 97% allocated to Oregon and 3% 
to Washington customers.

Under the Order, NW Natural will be required to forego 
collection of $15 million out of the approximate $95 million of 
environmental expenses and associated carrying costs that 
it had deferred through 2012. The OPUC disallowed this 
amount from rate recovery based on its determination of 
how an earnings test should apply to amounts deferred from 
2003 to 2012, with adjustments for factors the OPUC 
deemed relevant. The disallowance is currently estimated to 
result in a net after-tax charge of $9.1 million taken through 
operating income in the first quarter of 2015.  

The OPUC applied one-third of the Company’s 
approximately $150 million of environmental insurance 
recoveries to amounts deferred through 2012, and will allow 
full recovery of the remainder of the amounts deferred 
through 2012, other than the disallowed amount discussed 
above and approximately $33 thousand, which the OPUC 
found was not specifically substantiated by company 
records. The remaining insurance recoveries will be applied 
against post-2012 environmental costs with the funds to be 
held in an account accruing interest with the interest also 
applied to future expenses as outlined below. 

The Order establishes all environmental remediation 
expenses deferred after 2012, an aggregate of two-thirds of 
the environmental insurance receipts, plus interest, will be 
applied ratably over 20 years and the remainder will be 
collected through the SRRM, and subject to an earnings test 
as follows:
•  The Company will recover the first $5 million of annual 
expense through an amount that will be collected from 
customers through a tariff rider.

•  The Company will apply $5 million of insurance (plus 

interest) to the next portion of environmental expenses 
each year.  

85

NORTHWEST NATURAL GAS COMPANY
QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

Quarter ended

In thousands, except share data

March 31

June 30

September 30

December 31

2014

Operating revenues

Net income (loss)

Basic earnings (loss) per share(1)

Diluted earnings (loss) per share(1)

2013

Operating revenues

Net income (loss)

Basic earnings (loss) per share(1)

$

293,386

$

133,169

$

87,199

$

37,884

1.40

1.40

1,071

0.04

0.04

(8,733)

(0.32)

(0.32)

$

277,861

$

131,714

$

88,195

$

37,639

1.40

2,126

0.08

(8,233)

(0.31)

240,283

28,470

1.05

1.04

260,748

29,006

1.07

Diluted earnings (loss) per share(1)
1.07
(1)   Quarterly earnings (loss) per share are based upon the average number of common shares outstanding during each quarter. Variations in 

(0.31)

1.40

0.08

earnings between quarterly periods are due primarily to the seasonal nature of our business. 

NORTHWEST NATURAL GAS COMPANY
SCHEDULE II - VALUATION AND QUALIFYING ACCOUNTS AND RESERVES

COLUMN A

COLUMN B

COLUMN C

Additions

COLUMN D

COLUMN E

Deductions

In thousands (year ended December 31)

2014

Reserves deducted in balance sheet from
assets to which they apply:

Allowance for uncollectible accounts

2013

Reserves deducted in balance sheet from
assets to which they apply:

Allowance for uncollectible accounts

2012

Reserves deducted in balance sheet from
assets to which they apply:

Allowance for uncollectible accounts

$

$

$

Balance at
beginning of
period

Charged to
costs and
expenses

Charged to
other accounts

Net write-offs

Balance at end
of period

1,656

$

599

$

— $

1,286

$

969

2,518

$

199

$

— $

1,061

$

1,656

2,895

$

1,130

$

— $

1,507

$

2,518

86

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

None.

ITEM 9A. CONTROLS AND PROCEDURES

(a) Evaluation of Disclosure Controls and Procedures

Our management, under the supervision and with the 
participation of our Chief Executive Officer and Chief 
Financial Officer, has completed an evaluation of the 
effectiveness of the design and operation of our disclosure 
controls and procedures (as defined in Rules 13a-15(e) and 
15d-15(e) of the Securities Exchange Act of 1934, as 
amended (the Exchange Act)). Based upon this evaluation, 
our Chief Executive Officer and Chief Financial Officer have 
concluded that, as of the end of the period covered by this 
report, our disclosure controls and procedures were 
effective to ensure that information required to be disclosed 
by us and included in our reports filed or submitted under 
the Exchange Act is recorded, processed, summarized and 
reported within the time periods specified in the Securities

and Exchange Commission (SEC) rules and forms and that 
such information is accumulated and communicated to 
management, including the Chief Executive Officer and 
Chief Financial Officer, as appropriate to allow timely 
decisions regarding required disclosure.

(b) Changes in Internal Control Over Financial Reporting

Our management is responsible for establishing and 
maintaining adequate internal control over financial 
reporting, as such term is defined in the Exchange Act Rule 
13a-15(f).

There have been no changes in our internal control over 
financial reporting that occurred during the quarter ended 
December 31, 2014 that have materially affected, or are 
reasonably likely to materially affect, our internal control 
over financial reporting. The statements contained in Exhibit 
31.1 and Exhibit 31.2 should be considered in light of, and 
read together with, the information set forth in this Item 9(a).

ITEM 9B. OTHER INFORMATION

None.

87

 
 
 
 
 
PART III

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The "Information Concerning Nominees and Continuing Directors", "Corporate Governance", and "Section 16(a) Beneficial 
Ownership Reporting Compliance" contained in our definitive Proxy Statement for the May 28, 2015 Annual Meeting of 
Shareholders is hereby incorporated by reference.

Name

Gregg S. Kantor

David H. Anderson

Stephen P. Feltz

Margaret D. Kirkpatrick

Lea Anne Doolittle

MardiLyn Saathoff

David R. Williams

Grant M. Yoshihara

C. Alex Miller

Shawn M. Filippi

Kimberly A. Heiting

Brody J. Wilson

David A. Weber

Age at
Dec. 31,
2014
57

53

59

60

59

58

61

59

57

42

45

35

55

Positions held during last five years

President and Chief Executive Officer (2009-   ); President and Chief
Operating Officer (2007-2008); Executive Vice President (2006-2007);
Senior Vice President, Public and Regulatory Affairs (2003-2006).
Executive Vice President and Chief Operating Officer (2014-  );
Executive Vice President Operations and Regulation (2013-2014);
Senior Vice President and Chief Financial Officer (2004-2013).

Senior Vice President and Chief Financial Officer (2013-  ); Assistant
Secretary (2007- ); Treasurer and Controller (1999-2013).

Senior Vice President, Environmental Policy and Affairs (2015-    );
Senior Vice President and General Counsel (2013-2014); Vice
President and General Counsel (2005-2013).

Senior Vice President and Chief Administrative Officer (2013-  ); Senior
Vice President (2008- ); Vice President, Human Resources
(2000-2007).

Senior Vice President and General Counsel (2015-    ); Vice President
Legal, Risk and Compliance (2013-2014); Deputy General Counsel
(2010-2013); Chief Governance Officer and Corporate Secretary
(2008-2014);

Vice President, Utility Services (2007-  ); Director of Utility Operations,
Districts and Managed Labor Relations (2004-2006).

Vice President, Utility Operations (2007-   ); Managing Director, Utility
Services (2005-2006); Director, Utility Services (2004-2005).

Vice President Regulation and Treasurer (2013-  ); Vice President,
Finance and Regulation (2009-2013); Assistant Treasurer (2008-2013);
General Manager of Rates and Regulatory Affairs (2002-2009).

Vice President and Corporate Secretary (2015-    ); Senior Legal
Counsel (2011-2014); Assistant Corporate Secretary (2010-2014);
Associate Legal Counsel (2005-2010).

Vice President, Communications and Chief Marketing Officer
(2015-    ); Chief Marketing & Communications Officer (2013-2014);
Chief Corporate Communications Officer (2011-2013);
Communications Director (2005-2011).
Controller (2013-  ); Acting Controller (2013); Accounting Director
(2012-2013); Senior Manager, PriceWaterhouseCoopers LLP
(2009-2012); Manager, PriceWaterhouseCoopers LLP (2007-2009).

President and Chief Executive Officer, NW Natural Gas Storage, LLC
and Gill Ranch Storage, LLC (2012-  ); Interim President and Chief
Executive Officer, NW Natural Gas Storage LLC, and Gill Ranch
Storage, LLC (2011-2012); Chief Operating Officer NW Natural Gas
Storage, LLC and Gill Ranch Storage LLC (November 2010 - January
2011); Managing Director of Information Services and Chief
Information Officer (2005 - 2011); Director of Information Services and
Chief Information Officer (2001-2005).

Each executive officer serves successive annual terms; present terms end on May 28, 2015. There are no family relationships 
among our executive officers, directors or any person chosen to become one of our officers or directors. 
NW Natural has adopted a Code of Ethics (Code) applicable to all employees and officers that is available on our website at 
www.nwnatural.com. We intend to disclose on our website at www.nwnatural.com any amendments to the Code or waivers of 
the Code for executive officers.

88

 
ITEM 11. EXECUTIVE COMPENSATION

The information concerning "Executive Compensation", "Report of the Organization and Executive Compensation Committee", 
and "Compensation Committee Interlocks and Insider Participation" contained in our definitive Proxy Statement for the May 28, 
2015 Annual Meeting of Shareholders is hereby incorporated by reference. Information related to Executive Officers as of 
December 31, 2014 is reflected in Part III, Item 10, above.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND 
RELATED STOCKHOLDER MATTERS

The following table sets forth information regarding compensation plans under which equity securities of NW Natural are 
authorized for issuance as of December 31, 2014 (see Note 6 to the Consolidated Financial Statements):

Plan Category

Equity compensation plans approved by security holders:
LTIP Performance Share Awards (Target Award)(1)(2)
LTIP Restricted Stock Units (Target Award)(1)(2)
LTIP Stock Options(2)

Restated Stock Option Plan

Employee Stock Purchase Plan

Equity compensation plans not approved by security holders:

Executive Deferred Compensation Plan (EDCP)(3)
Directors Deferred Compensation Plan (DDCP)(3)
Deferred Compensation Plan for Directors and Executives (DCP)(4)

(a)

(b)

(c)

Number of securities
to be issued upon
exercise of
outstanding options,
warrants and rights

Weighted-average
exercise price of
outstanding options,
warrants and rights

Number of securities
remaining available
for future issuance
under equity
compensation plans
(excluding securities
reflected in column
(a))

116,265

70,794

—

416,088

$

22,646

1,292

51,559

134,283

n/a

n/a

—

43.40

38.90

n/a

n/a

n/a

412,728

412,728

250,000

—

75,275

n/a

n/a

n/a

738,003
Total
(1)  Shares issued pursuant to Performance Share Awards and Restricted Stock Units under the LTIP do not include an exercise price, but are 
payable when the award criteria are satisfied. If the maximum awards were paid pursuant to the Performance Share Awards outstanding at 
December 31, 2014, the number of shares shown in column (a) would increase by 116,265 shares and the number of shares shown in 
column (c) would decrease by the same amount of shares.
The aggregate 412,728 shares are available for future issuance under the LTIP as Restricted Stock Units, or Performance Share Awards. 
An additional 250,000 shares are available for LTIP Stock Option Issuance at December 31, 2014, but those additional shares are not 
available for issuance of LTIP Restricted Stock Units or Performance Share Awards. 

812,927

(2) 

(3)  Prior to January 1, 2005, deferred amounts were credited, at the participant’s election, to either a “cash account” or a “stock account.” If 
deferred amounts were credited to stock accounts, such accounts were credited with a number of shares of NW Natural common stock 
based on the purchase price of the common stock on the next purchase date under our Dividend Reinvestment and Direct Stock Purchase 
Plan, and such accounts were credited with additional shares based on the deemed reinvestment of dividends. Cash accounts are credited 
quarterly with interest at a rate equal to Moody’s Average Corporate Bond Yield plus two percentage points, subject to a 6% minimum rate. 
At the election of the participant, deferred balances in the stock accounts are payable after termination of Board service or employment in a 
lump sum, in installments over a period not to exceed 10 years in the case of the DDCP, or 15 years in the case of the EDCP, or in a 
combination of lump sum and installments. Amounts credited to stock accounts are payable solely in shares of common stock and cash for 
fractional shares, and amounts in the above table represent the aggregate number of shares credited to participant's stock accounts. We 
have contributed common stock to the trustee of the Umbrella Trusts such that the Umbrella Trusts hold approximately the number of 
shares of common stock equal to the number of shares credited to all participants’ stock accounts.

(4)  Effective January 1, 2005, the EDCP and DDCP were closed to new participants and replaced with the DCP. The DCP continues the basic 
provisions of the EDCP and DDCP under which deferred amounts are credited to either a “cash account” or a “stock account.” Stock 
accounts represent a right to receive shares of NW Natural common stock on a deferred basis, and such accounts are credited with 
additional shares based on the deemed reinvestment of dividends. Effective January 1, 2007, cash accounts are credited quarterly with 
interest at a rate equal to Moody’s Average Corporate Bond Yield. Our obligation to pay deferred compensation in accordance with the 
terms of the DCP will generally become due on retirement, death, or other termination of service, and will be paid in a lump sum or in 
installments of five, 10, or 15 years as elected by the participant in accordance with the terms of the DCP. Amounts credited to stock 
accounts are payable solely in shares of common stock and cash for fractional shares, and amounts in the above table represent the 
aggregate number of shares credited to participant's stock accounts. We have contributed common stock to the trustee of the Supplemental 
Trust such that this trust holds approximately the number of common shares equal to the number of shares credited to all participants' stock 
accounts. The right of each participant in the DCP is that of a general, unsecured creditor of the Company.

The information captioned “Beneficial Ownership of Common Stock by Directors and Executive Officers” and "Security 
Ownership of Common Stock of Certain Beneficial Owners" contained in our definitive Proxy Statement for the May 28, 2015 
Annual Meeting of Shareholders is incorporated herein by reference.

89

  
 
 
 
 
 
 
 
 
ITEM 13. CERTAIN RELATIONSHIPS AND 
RELATED TRANSACTIONS, AND DIRECTOR 
INDEPENDENCE

The information captioned "Transactions with Related 
Persons" and "Corporate Governance" in the Company’s 
definitive Proxy Statement for the May 28, 2015 Annual 
Meeting of Shareholders is hereby incorporated by 
reference.

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND 
SERVICES

The information captioned "2014 and 2013 Audit Firm Fees" 
in the Company’s definitive Proxy Statement for the May 28, 
2015 Annual Meeting of Shareholders is hereby 
incorporated by reference.

90

 
 
ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(a)  The following documents are filed as part of this report:

PART IV

1.  A list of all Financial Statements and Supplemental Schedules is incorporated by reference to Item 8.

2.  List of Exhibits filed:

Reference is made to the Exhibit Index commencing on page 93.

91

  
 
SIGNATURES

Pursuant  to  the  requirements  of  Section  13  or  15(d)  of  the 
Securities  Exchange  Act  of  1934,  the  registrant  has  duly 
caused  this  report  to  be  signed  on  its  behalf  by  the 
undersigned, thereunto duly authorized.

NORTHWEST NATURAL GAS COMPANY

By: /s/ Gregg S. Kantor
Gregg S. Kantor
President and Chief Executive Officer
Date: February 27, 2015      

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

Signature

/s/ Gregg S. Kantor

Gregg S. Kantor

President and Chief Executive Officer

/s/ Stephen P. Feltz  

Stephen P. Feltz

Senior Vice President and Chief Financial Officer

/s/ Brody J. Wilson   

Brody J. Wilson

Controller

/s/ Timothy P. Boyle 

Timothy P. Boyle 

/s/ Martha L. Byorum     

Martha L. Byorum

/s/ John D. Carter     

John D. Carter

/s/ Mark S. Dodson

Mark S. Dodson

/s/ C. Scott Gibson

C. Scott Gibson

/s/ Tod R. Hamachek

Tod R. Hamachek

/s/ Jane L. Peverett 

Jane L. Peverett 

/s/ Kenneth Thrasher  

Kenneth Thrasher

/s/ Malia H. Wasson

Malia H. Wasson

Title

Date

Principal Executive Officer and Director

February 27, 2015

Principal Financial Officer

February 27, 2015

Principal Accounting Officer

February 27, 2015

)

)
)
)

)
)
)

)
)
)

)
February 27, 2015
)

)
)
)

)
)
)

)
)
)

)
)
)

)

  Director

  Director

  Director

  Director

  Director

  Director

  Director

  Director

  Director

92

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NORTHWEST NATURAL GAS COMPANY
 Exhibit Index to Annual Report on Form 10-K
For the Fiscal Year Ended December 31, 2014 

Exhibit Number                                                        Document

*3a.

*3b.

*4a.

*4b.

*4c.

*4d.

*4e.

*4f.

*4g.

*4h.

*4i.

*4j.

Restated Articles of Incorporation, as filed and effective May 31, 2006 and amended June 3, 2008 (incorporated
herein by reference to Exhibit 3.1 to Form 10-Q for the period ending June 30, 2008, File No. 1-15973).

Bylaws as amended May 22, 2014 (incorporated herein by reference to Exhibit 3.1 to Form 8-K dated May 22, 2014,
File No. 1-15973).

Copy of Mortgage and Deed of Trust, dated as of July 1, 1946, to Bankers Trust and R. G. Page (to whom Stanley
Burg is now successor), Trustees (incorporated herein by reference to Exhibit 7(j) in File No. 2-6494); and copies of
Supplemental Indentures Nos. 1 through 14 to the Mortgage and Deed of Trust, dated respectively, as of June 1,
1949, March 1, 1954, April 1, 1956, February 1, 1959, July 1, 1961, January 1, 1964, March 1, 1966, December 1,
1969, April 1, 1971, January 1, 1975, December 1, 1975, July 1, 1981, June 1, 1985 and November 1, 1985
(incorporated herein by reference to Exhibit 4(d) in File No. 33-1929); Supplemental Indenture No. 15 to the Mortgage
and Deed of Trust, dated as of July 1, 1986 (filed as Exhibit 4(c) in File No. 33-24168); Supplemental Indentures Nos.
16, 17 and 18 to the Mortgage and Deed of Trust, dated, respectively, as of November 1, 1988, October 1, 1989 and
July 1, 1990 (incorporated herein by reference to Exhibit 4(c) in File No. 33-40482); Supplemental Indenture No. 19 to
the Mortgage and Deed of Trust, dated as of June 1, 1991 (incorporated herein by reference to Exhibit 4(c) in File No.
33-64014); and Supplemental Indenture No. 20 to the Mortgage and Deed of Trust, dated as of June 1, 1993
(incorporated herein by reference to Exhibit 4(c) in File No. 33-53795).

Copy of Indenture, dated as of June 1, 1991, between the Company and Bankers Trust Company, Trustee, relating to
the Company’s Unsecured Medium-Term Notes (incorporated herein by reference to Exhibit 4(e) in File No.
33-64014).

Officers’ Certificate dated June 12, 1991 creating Series A of the Company’s Unsecured Medium-Term Notes
(incorporated herein by reference to Exhibit 4e. to Form 10-K for 1993, File No. 0-994).

Officers’ Certificate dated June 18, 1993 creating Series B of the Company’s Unsecured Medium-Term Notes
(incorporated herein by reference to Exhibit 4f. to Form 10-K for 1993, File No. 0-994).

Officers’ Certificate dated January 17, 2003 relating to Series B of the Company’s Unsecured Medium-Term Notes
and supplementing the Officers’ Certificate dated June 18, 1993 (incorporated herein by reference to Exhibit 4f.(1) to
Form 10-K for 2002, File No. 0-994).

Form of Secured Medium-Term Notes, Series B (incorporated herein by reference to Exhibit 4.1 to Form 8-K dated
October 4, 2004, File No. 1-15973).

Form of Unsecured Medium-Term Notes, Series B (incorporated herein by reference to Exhibit 4.2 to Form 8-K dated
October 4, 2004, File No. 1-15973).

Gill Ranch Note Purchase Agreement, dated November 30, 2011, among Gill Ranch Storage, LLC and the parties
listed thereto (incorporated herein by reference to Exhibit 4m. to Form 10-K for 2011, File No. 1-15973).

Twenty-First Supplemental Indenture, providing, among other things, for First Mortgage Bonds, 4.00% Series Due 
2042, dated as of October 15, 2012, by and between Northwest Natural Gas Company, Deutsche Bank Trust 
Company Americas (formerly known as Bankers Trust Company), and Stanley Burg (Successor to R.G. Page and 
J.C. Kennedy) (incorporated herein by reference to Exhibit 4.1 to Form 8-K dated October 26, 2012, File No.1-15973).

Form of Credit Agreement among Northwest Natural Gas Company and the parties thereto, with JPMorgan Chase
Bank, N.A. as administrative agent and U.S. Bank, N.A. and Wells Fargo Bank, N.A. as co-syndication agents, dated
as of December 20, 2012 (incorporated herein by reference to Exhibit 4.1 to Form 8-K dated December 20, 2012, File
No.1-15973).

93

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*4k.

*4l.

4m. 

4n. 

Form of Letter Agreement, between each of JPMorgan Chase Bank, N.A., Bank of America, N.A., Canadian Imperial
Bank of Commerce, Royal Bank of Canada, TD Bank, N.A., Union Bank, N.A., US Bank, N.A., and Wells Fargo Bank,
N.A., with JPMorgan Chase Bank, N.A. as Administrative Agent, extending the Credit Agreement between Northwest
Natural Gas Company and each financial institution, effective as of December 20, 2013. (incorporated herein by
reference to Exhibit 4k to Form 10-K for 2013, File No. 1-15973).

Amendment No. 1 to Note Purchase Agreement, dated April 29, 2014, among Gill Ranch Storage, LLC. and the
parties listed thereto (incorporated herein by reference to Exhibit 4 to Form 10-Q for the quarter ended March 31,
2014, File No. 1-15973).

Form of Letter Agreement, between each of JPMorgan Chase Bank, N.A., Bank of America, N.A., Canadian Imperial
Bank of Commerce, Royal Bank of Canada, TD Bank, N.A., Union Bank, N.A., US Bank, N.A., and Wells Fargo Bank,
N.A., with JPMorgan Chase Bank, N.A. as Administrative Agent, extending the Credit Agreement between Northwest
Natural Gas Company and each financial institution, effective as of December 20, 2014.

First Amendment to Credit Agreement, between the Company JPMorgan Chase Bank, N.A., Bank of America, N.A.,
Canadian Imperial Bank of Commerce, Royal Bank of Canada, TD Bank, N.A., Union Bank, N.A., US Bank, N.A., and
Wells Fargo Bank, N.A., with JPMorgan Chase Bank, N.A. as Administrative Agent, dated as of December 20, 2014.

*10a

Carry and Earning Agreement (incorporated herein by reference to Exhibit 10.1 to Form 10-Q for the quarter ended
March 31, 2011, File No. 1-15973).

*10b

Second Amendment to Carry and Earning Agreement by and between Encana Oil and Gas (USA) Inc. and NWN Gas
Reserves, LLC., dated as of March 7, 2014 (incorporated herein by reference to Exhibit 10 to Form 10-Q for the
quarter ended March 31, 2014, File No. 1-15973).

12

21

23

Statement re computation of ratios of earnings to fixed charges.

Subsidiaries of Northwest Natural Gas Company.

Consent of PricewaterhouseCoopers LLP.

31.1

Certification of Principal Executive Officer Pursuant to Rule 13a-14(a)/15-d-14(a), Section 302 of the Sarbanes-Oxley
Act of 2002.

31.2

Certification of Principal Financial Officer Pursuant to Rule 13a-14(a)/15-d-14(a), Section 302 of the Sarbanes-Oxley
Act of 2002.

32.1

Certification of Principal Executive Officer and Principal Financial Officer Pursuant to Section 906 of the Sarbanes-
Oxley Act of 2002.

Executive Compensation Plans and Arrangements:

*10c.

Executive Supplemental Retirement Income Plan 2010 Restatement (incorporated herein by reference to Exhibit 10b.
to Form 10-K for 2009, File No. 1-15973).

*10d.

Supplemental Executive Retirement Plan, effective September 1, 2004 restated 2011 (incorporated herein by
reference to Exhibit 10.1 to Form 10-Q for the quarter ended September 30, 2011, File No. 1-15973).

*10e.

Northwest Natural Gas Company Supplemental Trust, effective January 1, 2005, restated as of December 15, 2005
(incorporated herein by reference to Exhibit 10.7 to Form 8-K dated December 16, 2005, File No. 1-15973).

*10f.

Northwest Natural Gas Company Umbrella Trust for Directors, effective January 1, 1991, restated as of December 15,
2005 (incorporated herein by reference to Exhibit 10.5 to Form 8-K dated December 16, 2005, File No. 1-15973).

*10g.

Northwest Natural Gas Company Umbrella Trust for Executives, effective January 1, 1988, restated as of December
15, 2005 (incorporated herein by reference to Exhibit 10.6 to Form 8-K dated December 16, 2005, File No. 1-15973).

94

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*10h.

Restated Stock Option Plan, as amended effective December 14, 2006 (incorporated herein by reference to Exhibit
10c. to Form 10-K for 2006, File No. 1-15973).

*10i.

Form of Restated Stock Option Plan Agreement (incorporated herein by reference to Exhibit 10h. to Form 10-K for
2009, File No. 1-15973).

*10j.

Executive Deferred Compensation Plan, effective as of January 1, 1987, restated as of February 26, 2009
(incorporated herein by reference to Exhibit 10e. to Form 10-K for 2008, File No. 1-15973).

*10k.

Directors Deferred Compensation Plan, effective June 1, 1981, restated as of February 26, 2009 (incorporated herein
by reference to Exhibit 10f. to Form 10-K for 2008, File No. 1-15973).

*10l.

Deferred Compensation Plan for Directors and Executives effective January 1, 2005, restated as of January 1, 2012
(incorporated herein by reference to Exhibit 10k. to Form 10-K for 2011, File No. 1-15973).

*10m.

Form of Indemnity Agreement as entered into between the Company and each director and certain executive officers
(incorporated herein by reference to Exhibit 10l. to Form 10-K for 2009, File No. 1-15973).

*10n.

Form of Indemnity Agreement as entered into between the Company and certain executive officers (incorporated
herein by reference to Exhibit 10l.(1) to Form 10-K for 2009, File No. 1-15973).

*10o.

Non-Employee Directors Stock Compensation Plan, as amended effective December 15, 2005 (incorporated herein
by reference to Exhibit 10.2 to Form 8-K dated December 16, 2005, File No. 1-15973).

*10p.

Executive Annual Incentive Plan, effective February 23, 2012 (incorporated herein by reference to Exhibit 10n. to
Form 10-K for 2011, File No. 1-15973).

*10q.

Form of Agreement to Recoupment Provisions of Executive Annual Incentive Plan, effective as of January 1, 2010
(incorporated herein by reference to Exhibit 10o. to Form 10-K for 2009, File No. 1-15973).

*10r.

Form of Change in Control Severance Agreement between the Company and each executive officer (incorporated
herein by reference to Exhibit 10o. to Form 10-K for 2008, File No. 1-15973).

*10s.

Northwest Natural Gas Company Long-Term Incentive Plan, as amended and restated effective May 24, 2012
(incorporated herein by reference to Exhibit 10r to Form 10-K for 2013, File No. 1-15973)

*10t.

Form of Long-Term Incentive Award Agreement under the Long-Term Incentive Plan (2012-2014) (incorporated herein
by reference to Exhibit 10v. to Form 10-K for 2011, File No. 1-15973).

*10u.

Form of Long-Term Incentive Award Agreement under the Long-Term Incentive Plan (2013-2015) (incorporated herein
by reference to Exhibit 10v. to Form 10K for 2012, File No. 1-15973).

*10v.

Form of Long-Term Incentive Award Agreement under the Long-Term Incentive Plan (2014-2016). (incorporated
herein by reference to Exhibit 10v. to Form 10-K for 2013, File No. 1-15973).

10w.

Form of Long-Term Incentive Award Agreement under the Long-Term Incentive Plan (2015-2017).

*10x.

Form of Consent dated December 14, 2006 entered into by each executive officer (incorporated herein by reference
to Exhibit 10.1 to Form 8-K dated December 19, 2006, File No. 1-15973).

*10y.

Consent to Amendment of Deferred Compensation Plan for Directors and Executives, dated February 28, 2008
entered into by each executive officer (incorporated herein by reference to Exhibit 10bb to Form 10-K for 2007, File
No. 1-15973).

95

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*10z.

Form of Restricted Stock Unit Award Agreement under the Long-Term Incentive Plan (2013) (incorporated herein by
reference to Exhibit 10aa. to Form 10-K for 2012, File No. 1-15978).

*10aa. Form of Restricted Stock Unit Award Agreement under the Long-Term Incentive Plan (2012) (incorporated herein by

reference to Exhibit 10.1 to Form 8-K dated December 14, 2011, File No. 1-15973).

*10bb. Form of Special Restricted Stock Unit Award Agreement under the Long-Term Incentive Plan between the Company
and an executive officer (incorporated herein by reference to Exhibit 10cc. to Form 10-Q for the period ending
September 30, 2013, File No. 1-15973)

*10cc. Form of Special Restricted Stock Unit Award Agreement under the Long-Term Incentive Plan between the Company
and an executive officer. (incorporated herein by reference to Form 10-Q for the quarter ended March 31, 2014, File
No. 1-15973).

*10dd. Annual Incentive Plan for NW Natural Gas Storage, LLC, as amended February 2, 2012 (incorporated herein by

reference to Exhibit 10cc. to Form 10-K for 2012, File No. 1-15973).

*10ee. Long Term Incentive Plan for NW Natural Gas Storage, LLC (incorporated herein by reference to Exhibit 10dd. to

Form 10-K for 2012, File No. 1-15973).

101.

The following materials from Northwest Natural Gas Company Annual Report on Form 10-K for the fiscal year ended 
December 31, 2014, formatted in Extensible Business Reporting Language (XBRL):

(i) Consolidated Statements of Income;
(ii) Consolidated Balance Sheets;
(iii) Consolidated Statements of Cash Flows; and
(iv) Related notes.

 *Incorporated herein by reference as indicated

96

 
 
NORTHWEST NATURAL GAS COMPANY 
Ratios of Earnings to Fixed Charges 
(Unaudited)

EXHIBIT 12

In thousands, except share data

Fixed Charges, as defined:

Interest on Long-Term Debt
Other Interest
Amortization of Debt Discount and Expense
Interest Portion of Rentals
Total Fixed Charges, as defined

Earnings, as defined:

Net Income
Taxes on Income
Fixed Charges, as above
Total Earnings, as defined

Ratios of Earnings to Fixed Charges

Year Ended December 31,

2014

2013

2012

2011

2010

$

$

40,066
2,718
1,963
2,302
47,049

$

40,825
2,709
1,877
1,910
47,321

$

39,175
2,314
1,848
1,864
45,201

$

37,515
2,976
1,729
2,213
44,433

39,198
1,587
1,766
2,130
44,681

58,692
41,643
47,049
$ 147,384
3.13

60,538
41,705
47,321
$ 149,564
3.16

58,779
43,403
45,201
$ 147,383
3.26

63,044
42,825
44,433
$ 150,302
3.38

72,013
49,033
44,681
$ 165,727
3.71

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

EXHIBIT 23

We hereby consent to the incorporation by reference in the Registration Statement on Form 
333-120955, 333-134973, 333-139819, 333-180350 and 333-187005) and in the Registration Statement on Form S-3 (No. 
333-192641) of Northwest Natural Gas Company of our report dated February 27, 2015 relating to the consolidated financial 
statements, financial statement schedule and the effectiveness of internal control over financial reporting, which appears in this 
Form 

(Nos. 333-70218, 333-100885, 

/s/ PricewaterhouseCoopers LLP

Portland, Oregon
February 27, 2015 

 
CERTIFICATION

I, Gregg S. Kantor, certify that:

EXHIBIT 31.1

1.           I have reviewed this annual report on Form 10-K of Northwest Natural Gas Company;

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

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

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

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

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

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

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

5.           The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over 
financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons 
performing the equivalent functions):

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

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the 
registrant’s internal control over financial reporting.

Date:          February 27, 2015 

/s/ Gregg S. Kantor                                                   
Gregg S. Kantor
President and Chief Executive Officer

CERTIFICATION

I, Stephen P. Feltz, certify that:

EXHIBIT 31.2

1.           I have reviewed this annual report on Form 10-K for Northwest Natural Gas Company;

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

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

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

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

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

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

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

5.           The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over 
financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons 
performing the equivalent functions):

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

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the 
registrant’s internal control over financial reporting.

Date:          February 27, 2015 

/s/ Stephen P. Feltz                                                                
Stephen P. Feltz
Senior Vice President and Chief Financial Officer

corporate information

investor and shareholder information

robert hess

director, investor relations

(800) 422-4012, ext. 2388 

rsh@nwnatural.com

chu lee

Manager, shareholder services 

(800) 422-4012, ext. 2402 

c4l@nwnatural.com

stock transfer agent and registrar 

community & sustainability report 

For common stock:

learn more about nW natural’s community involvement and  

american stock transfer & trust company

philanthropic contributions, environmental stewardship,  

6201 15th avenue

Brooklyn, nY 11219

(888) 777-0321

web: amstock.com

email: info@amstock.com

trustee and bond paying agent 

For bond issues:

deutsche Bank trust company americas

60 Wall street

new York, nY 10005

(800) 735-7777

employee safety efforts and other company initiatives. 

View the community & sustainability annual report at  

nwnatural.com/aboutnwnatural/community.

low-income programs

nW natural helps low-income customers manage their bills  

through a variety of programs. shareholders and customers  

support the gas assistance program (gap), which supplements 

the federal and state assistance program. in addition, the oregon  

low-income gas assistance program (olga) uses public 

purpose fees to help low-income customers pay their utility bills. 

the oregon low-income energy assistance program (oliee), 

also paid for by public purpose charges, helps customers in 

need acquire high-efficiency equipment and weatherization.

View the low-income programs at nwnatural.com/residential/

saveenergyandmoney/energyefficiencyassistance.

energy-efficiency programs 

nW natural partners with energy trust of oregon to offer our 

oregon and Washington customers energy-efficiency programs 

and services. learn more about the results of these programs 

and the benefits to our customers. 

View the energy trust of oregon annual report at  

nwnatural.com/aboutnwnatural/environmentalstewardship.

220 nw second avenue
portland, oregon 97209
nwnatural.com
nyse: nwn

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