Quarterlytics / Utilities / Regulated Gas / Northwest Natural Company

Northwest Natural Company

nwn · NYSE Utilities
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Industry Regulated Gas
Employees 1001-5000
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FY2018 Annual Report · Northwest Natural Company
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OF BUILDING 
THE FUTURE 
WE IMAGINE

S HAR EHO LDE R L E T TE R

TO OUR
SHAREHOLDERS

OVER 160 YEARS, our success has hinged on
two things: delivering outstanding service safely 
and reliably, and imagining how we can grow
for the future. These strategies served us well 
in 2018, contributing to another strong year.

Our 1,200 employees have built on this legacy with dedication, expertise
and creative thinking. It was a year of key investments in our natural gas
distribution system — which is one of the most modern in the nation; of 
anticipating customers’ needs to drive conversions and install natural gas in 
our largest multifamily development to date; and of building on our founda-
tion for the future by taking action on our low-carbon initiative, reorganizing
into our new holding company and diversifying into the water business.

(cid:44)(cid:87)(cid:3)(cid:90)(cid:68)(cid:86)(cid:3)(cid:68)(cid:79)(cid:86)(cid:82)(cid:3)(cid:68)(cid:3)(cid:92)(cid:72)(cid:68)(cid:85)(cid:3)(cid:82)(cid:73)(cid:3)(cid:85)(cid:72)(cid:404)(cid:72)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:68)(cid:86)(cid:3)(cid:90)(cid:72)(cid:3)(cid:83)(cid:85)(cid:72)(cid:83)(cid:68)(cid:85)(cid:72)(cid:71)(cid:3)(cid:87)(cid:82)(cid:3)(cid:70)(cid:72)(cid:79)(cid:72)(cid:69)(cid:85)(cid:68)(cid:87)(cid:72)(cid:3)(cid:82)(cid:88)(cid:85)(cid:3)(cid:20)(cid:25)(cid:19)(cid:87)(cid:75)
anniversary on January 7, 2019. Since 1859, NW Natural Gas Company 
has grown from serving 49 street lighting customers in Portland, Oregon,
to providing natural gas service to approximately two million people in 
Oregon and Washington through 750,000 meters, and distributing water
(cid:87)(cid:82)(cid:3)(cid:68)(cid:83)(cid:83)(cid:85)(cid:82)(cid:91)(cid:76)(cid:80)(cid:68)(cid:87)(cid:72)(cid:79)(cid:92)(cid:3)(cid:21)(cid:21)(cid:15)(cid:19)(cid:19)(cid:19)(cid:3)(cid:83)(cid:72)(cid:82)(cid:83)(cid:79)(cid:72)(cid:3)(cid:76)(cid:81)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:74)(cid:85)(cid:72)(cid:68)(cid:87)(cid:72)(cid:85)(cid:3)(cid:51)(cid:68)(cid:70)(cid:76)(cid:403)(cid:70)(cid:3)(cid:49)(cid:82)(cid:85)(cid:87)(cid:75)(cid:90)(cid:72)(cid:86)(cid:87)(cid:17)

(cid:58)(cid:75)(cid:76)(cid:79)(cid:72)(cid:3)(cid:87)(cid:75)(cid:72)(cid:85)(cid:72)(cid:3)(cid:75)(cid:68)(cid:86)(cid:3)(cid:69)(cid:72)(cid:72)(cid:81)(cid:3)(cid:80)(cid:88)(cid:70)(cid:75)(cid:3)(cid:70)(cid:75)(cid:68)(cid:81)(cid:74)(cid:72)(cid:3)(cid:82)(cid:89)(cid:72)(cid:85)(cid:3)(cid:20)(cid:25)(cid:3)(cid:71)(cid:72)(cid:70)(cid:68)(cid:71)(cid:72)(cid:86)(cid:15)(cid:3)(cid:90)(cid:72)(cid:3)(cid:75)(cid:68)(cid:89)(cid:72)(cid:3)(cid:75)(cid:72)(cid:79)(cid:71)(cid:3)(cid:73)(cid:68)(cid:86)(cid:87)(cid:3)
to core principles that are embedded in who we are. The innovative
thinking that inspired our founders to invest in a frontier community
and allowed us to transition from manufactured gas to natural gas. The 
commitment to safety that drove us to replace all our cast iron and bare
steel pipe. The unwavering service ethic that delivers the highest level 
of care to our customers. And the committment to creating long-term
shareholder value.

We know the values
and principles that
have made us 
successful in our
(cid:403)(cid:85)(cid:86)(cid:87)(cid:3)(cid:20)(cid:25)(cid:19)(cid:3)(cid:92)(cid:72)(cid:68)(cid:85)(cid:86)(cid:3)(cid:90)(cid:76)(cid:79)(cid:79)(cid:3)
be critical as we
create the next 
chapter in our
history.

President and CEO David Anderson 
at the New York Stock Exchange on 
NW Natural’s 160th Anniversary.

1

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

2018
HIGHLIGHTS

• Reported 2018 consolidated net income of $64.6 million 
or $2.24 per share, compared to a net loss of $1.93 per 
share for 2017 and adjusted 2017 consolidated net income1
of $2.24 per share. 

• Added over 12,500 new natural gas meters for an annual 

growth rate of 1.7 percent.

•(cid:3) (cid:41)(cid:76)(cid:79)(cid:72)(cid:71) (cid:87)(cid:75)(cid:72) (cid:403)(cid:85)(cid:86)(cid:87) (cid:58)(cid:68)(cid:86)(cid:75)(cid:76)(cid:81)(cid:74)(cid:87)(cid:82)(cid:81) (cid:74)(cid:72)(cid:81)(cid:72)(cid:85)(cid:68)(cid:79) (cid:85)(cid:68)(cid:87)(cid:72) (cid:70)(cid:68)(cid:86)(cid:72) (cid:76)(cid:81) (cid:68) (cid:71)(cid:72)(cid:70)(cid:68)(cid:71)(cid:72) (cid:87)(cid:82)
recover costs and investments made to support our fastest 
(cid:74)(cid:85)(cid:82)(cid:90)(cid:76)(cid:81)(cid:74) (cid:70)(cid:82)(cid:80)(cid:80)(cid:88)(cid:81)(cid:76)(cid:87)(cid:92)(cid:15) (cid:38)(cid:79)(cid:68)(cid:85)(cid:78) (cid:38)(cid:82)(cid:88)(cid:81)(cid:87)(cid:92)(cid:15) (cid:58)(cid:68)(cid:86)(cid:75)(cid:76)(cid:81)(cid:74)(cid:87)(cid:82)(cid:81)(cid:17)

• (cid:44)(cid:81)(cid:89)(cid:72)(cid:86)(cid:87)(cid:72)(cid:71) (cid:82)(cid:89)(cid:72)(cid:85) (cid:7)(cid:21)(cid:19)(cid:19) (cid:80)(cid:76)(cid:79)(cid:79)(cid:76)(cid:82)(cid:81) (cid:82)(cid:73) (cid:70)(cid:68)(cid:83)(cid:76)(cid:87)(cid:68)(cid:79) (cid:72)(cid:91)(cid:83)(cid:72)(cid:81)(cid:71)(cid:76)(cid:87)(cid:88)(cid:85)(cid:72)(cid:86) (cid:87)(cid:82)

support the natural gas utility’s growth, system reliability 
and improvements.

1 Adjusted 2017 consoli-

dated EPS is a non-GAAP 
measure and excludes
the noncash effects of the 
Gill Ranch impairment
of $192.5 million pre-tax 
(cid:68)(cid:81)(cid:71)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:81)(cid:82)(cid:81)(cid:70)(cid:68)(cid:86)(cid:75)(cid:3)(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87)
from tax reform of $21.4
million recognized in 2017. 
See Financial Overview on 
page 8 for reconciliation. 

•(cid:3) (cid:53)(cid:68)(cid:81)(cid:78)(cid:72)(cid:71) (cid:403)(cid:85)(cid:86)(cid:87) (cid:68)(cid:80)(cid:82)(cid:81)(cid:74) (cid:79)(cid:68)(cid:85)(cid:74)(cid:72) (cid:88)(cid:87)(cid:76)(cid:79)(cid:76)(cid:87)(cid:76)(cid:72)(cid:86) (cid:76)(cid:81) (cid:87)(cid:75)(cid:72) (cid:58)(cid:72)(cid:86)(cid:87) (cid:76)(cid:81) (cid:87)(cid:75)(cid:72)

J.D. Power Gas Utility Residential Customer Satisfaction 
(cid:54)(cid:87)(cid:88)(cid:71)(cid:92) (cid:68)(cid:81)(cid:71) (cid:87)(cid:75)(cid:76)(cid:85)(cid:71) (cid:76)(cid:81) (cid:87)(cid:75)(cid:72) (cid:81)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:17) (cid:58)(cid:72) (cid:68)(cid:79)(cid:86)(cid:82) (cid:72)(cid:68)(cid:85)(cid:81)(cid:72)(cid:71) (cid:87)(cid:75)(cid:72) (cid:75)(cid:76)(cid:74)(cid:75)(cid:72)(cid:86)(cid:87)
(cid:70)(cid:88)(cid:86)(cid:87)(cid:82)(cid:80)(cid:72)(cid:85) (cid:86)(cid:68)(cid:87)(cid:76)(cid:86)(cid:73)(cid:68)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81) (cid:86)(cid:70)(cid:82)(cid:85)(cid:72) (cid:68)(cid:80)(cid:82)(cid:81)(cid:74) (cid:88)(cid:87)(cid:76)(cid:79)(cid:76)(cid:87)(cid:76)(cid:72)(cid:86) (cid:76)(cid:81) (cid:87)(cid:75)(cid:72) (cid:58)(cid:72)(cid:86)(cid:87) (cid:76)(cid:81) (cid:87)(cid:75)(cid:72)
J.D. Power Gas Utility Business Customer Satisfaction Study.

• (cid:38)(cid:82)(cid:80)(cid:83)(cid:79)(cid:72)(cid:87)(cid:72)(cid:71) (cid:87)(cid:75)(cid:72) (cid:403)(cid:85)(cid:86)(cid:87) (cid:50)(cid:85)(cid:72)(cid:74)(cid:82)(cid:81) (cid:74)(cid:72)(cid:81)(cid:72)(cid:85)(cid:68)(cid:79) (cid:85)(cid:68)(cid:87)(cid:72) (cid:70)(cid:68)(cid:86)(cid:72) (cid:76)(cid:81) (cid:86)(cid:76)(cid:91) (cid:92)(cid:72)(cid:68)(cid:85)(cid:86)(cid:15)
(cid:85)(cid:72)(cid:86)(cid:88)(cid:79)(cid:87)(cid:76)(cid:81)(cid:74) (cid:76)(cid:81) (cid:68)(cid:81) (cid:68)(cid:83)(cid:83)(cid:85)(cid:82)(cid:91)(cid:76)(cid:80)(cid:68)(cid:87)(cid:72)(cid:79)(cid:92) (cid:7)(cid:20)(cid:19) (cid:80)(cid:76)(cid:79)(cid:79)(cid:76)(cid:82)(cid:81) (cid:68)(cid:73)(cid:87)(cid:72)(cid:85)(cid:16)(cid:87)(cid:68)(cid:91) (cid:81)(cid:72)(cid:87)
(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87) (cid:87)(cid:82) (cid:87)(cid:75)(cid:72) (cid:70)(cid:82)(cid:80)(cid:83)(cid:68)(cid:81)(cid:92) (cid:68)(cid:81)(cid:71) (cid:68) (cid:71)(cid:72)(cid:70)(cid:79)(cid:76)(cid:81)(cid:72) (cid:76)(cid:81) (cid:50)(cid:85)(cid:72)(cid:74)(cid:82)(cid:81) (cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87)(cid:76)(cid:68)(cid:79)
customer rates of 2.1 percent when combined with the 
(cid:50)(cid:85)(cid:72)(cid:74)(cid:82)(cid:81) (cid:68)(cid:81)(cid:81)(cid:88)(cid:68)(cid:79) (cid:51)(cid:88)(cid:85)(cid:70)(cid:75)(cid:68)(cid:86)(cid:72) (cid:42)(cid:68)(cid:86) (cid:36)(cid:71)(cid:77)(cid:88)(cid:86)(cid:87)(cid:80)(cid:72)(cid:81)(cid:87)(cid:17)

• Reduced residential natural gas customer rates in

(cid:58)(cid:68)(cid:86)(cid:75)(cid:76)(cid:81)(cid:74)(cid:87)(cid:82)(cid:81) (cid:73)(cid:82)(cid:85) (cid:87)(cid:75)(cid:72) (cid:73)(cid:82)(cid:88)(cid:85)(cid:87)(cid:75) (cid:86)(cid:87)(cid:85)(cid:68)(cid:76)(cid:74)(cid:75)(cid:87) (cid:92)(cid:72)(cid:68)(cid:85)(cid:15) (cid:90)(cid:76)(cid:87)(cid:75) (cid:87)(cid:75)(cid:72) (cid:68)(cid:89)(cid:72)(cid:85)(cid:68)(cid:74)(cid:72)
(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87)(cid:76)(cid:68)(cid:79) (cid:70)(cid:88)(cid:86)(cid:87)(cid:82)(cid:80)(cid:72)(cid:85) (cid:72)(cid:91)(cid:83)(cid:72)(cid:85)(cid:76)(cid:72)(cid:81)(cid:70)(cid:76)(cid:81)(cid:74) (cid:68) (cid:26)(cid:17)(cid:21) (cid:83)(cid:72)(cid:85)(cid:70)(cid:72)(cid:81)(cid:87) (cid:71)(cid:72)(cid:70)(cid:85)(cid:72)(cid:68)(cid:86)(cid:72)
starting Nov. 1, 2018.

• Completed key aspects of the North Mist gas storage 
(cid:72)(cid:91)(cid:83)(cid:68)(cid:81)(cid:86)(cid:76)(cid:82)(cid:81) (cid:15) (cid:82)(cid:81)(cid:72) (cid:82)(cid:73) (cid:87)(cid:75)(cid:72) (cid:79)(cid:68)(cid:85)(cid:74)(cid:72)(cid:86)(cid:87) (cid:83)(cid:85)(cid:82)(cid:77)(cid:72)(cid:70)(cid:87)(cid:86) (cid:76)(cid:81) (cid:82)(cid:88)(cid:85) (cid:75)(cid:76)(cid:86)(cid:87)(cid:82)(cid:85)(cid:92)(cid:17)

• Reorganized into a holding company structure to allow us to
(cid:70)(cid:82)(cid:81)(cid:87)(cid:76)(cid:81)(cid:88)(cid:72) (cid:85)(cid:72)(cid:86)(cid:83)(cid:82)(cid:81)(cid:71)(cid:76)(cid:81)(cid:74) (cid:87)(cid:82) (cid:74)(cid:85)(cid:82)(cid:90)(cid:87)(cid:75) (cid:82)(cid:83)(cid:83)(cid:82)(cid:85)(cid:87)(cid:88)(cid:81)(cid:76)(cid:87)(cid:76)(cid:72)(cid:86) (cid:68)(cid:81)(cid:71) (cid:72)(cid:73)(cid:403)(cid:70)(cid:76)(cid:72)(cid:81)(cid:87)(cid:79)(cid:92)
(cid:72)(cid:91)(cid:83)(cid:68)(cid:81)(cid:71) (cid:82)(cid:88)(cid:85) (cid:90)(cid:68)(cid:87)(cid:72)(cid:85) (cid:69)(cid:88)(cid:86)(cid:76)(cid:81)(cid:72)(cid:86)(cid:86)(cid:17)

• (cid:38)(cid:79)(cid:82)(cid:86)(cid:72)(cid:71) (cid:82)(cid:85) (cid:86)(cid:76)(cid:74)(cid:81)(cid:72)(cid:71) (cid:90)(cid:68)(cid:87)(cid:72)(cid:85) (cid:87)(cid:85)(cid:68)(cid:81)(cid:86)(cid:68)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:86) (cid:87)(cid:75)(cid:68)(cid:87) (cid:86)(cid:72)(cid:85)(cid:89)(cid:72) (cid:68)(cid:83)(cid:83)(cid:85)(cid:82)(cid:91)(cid:76)(cid:80)(cid:68)(cid:87)(cid:72)(cid:79)(cid:92)

43,000 people through 17,000 connections.

• Increased dividends paid for the 63rd consecutive year,
one of the longest dividend increase records of any
company on the NYSE.

CORPORATE
PROFILE

NW NATURAL HOLDINGS
(NYSE: NWN)
is headquartered in
(cid:51)(cid:82)(cid:85)(cid:87)(cid:79)(cid:68)(cid:81)(cid:71)(cid:15) (cid:50)(cid:85)(cid:72)(cid:74)(cid:82)(cid:81)(cid:15) (cid:68)(cid:81)(cid:71) (cid:82)(cid:90)(cid:81)(cid:86)
a regulated natural gas
distribution company, 
(cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:15) (cid:86)(cid:72)(cid:89)(cid:72)(cid:85)(cid:68)(cid:79) (cid:90)(cid:68)(cid:87)(cid:72)(cid:85)
distribution companies through 
(cid:76)(cid:87)(cid:86) (cid:86)(cid:88)(cid:69)(cid:86)(cid:76)(cid:71)(cid:76)(cid:68)(cid:85)(cid:92)(cid:15) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)
(cid:58)(cid:68)(cid:87)(cid:72)(cid:85)(cid:15) (cid:68)(cid:81)(cid:71) (cid:82)(cid:87)(cid:75)(cid:72)(cid:85) (cid:69)(cid:88)(cid:86)(cid:76)(cid:81)(cid:72)(cid:86)(cid:86)
interests and activities.

(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:403)(cid:72)(cid:79)(cid:71)(cid:3)(cid:87)(cid:72)(cid:70)(cid:75)(cid:81)(cid:76)(cid:70)(cid:76)(cid:68)(cid:81)(cid:3)(cid:38)(cid:68)(cid:85)(cid:76)(cid:3)(cid:61)(cid:76)(cid:80)(cid:80)(cid:72)(cid:85)(cid:80)(cid:68)(cid:81)(cid:3)
(cid:83)(cid:85)(cid:82)(cid:89)(cid:76)(cid:71)(cid:76)(cid:81)(cid:74)(cid:3)(cid:86)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:3)(cid:87)(cid:82)(cid:3)(cid:68)(cid:3)(cid:70)(cid:88)(cid:86)(cid:87)(cid:82)(cid:80)(cid:72)(cid:85)(cid:17)

3

S HAR EHOLD E R L E T TE R

NW NATURAL GAS

Investing in Safety
As a core value, safety is our greatest
responsibility to our customers, our 
employees and the communities
we serve. 

In 2018, we strengthened the safety 
and capacity of our pipeline system 
by investing in reinforcement projects
in our fastest growing service
territory, Clark County, Washington
and in Eugene, Oregon. We also
(cid:88)(cid:83)(cid:74)(cid:85)(cid:68)(cid:71)(cid:72)(cid:71)(cid:3)(cid:82)(cid:88)(cid:85)(cid:3)(cid:87)(cid:90)(cid:82)(cid:3)(cid:79)(cid:76)(cid:84)(cid:88)(cid:72)(cid:403)(cid:72)(cid:71)(cid:3)(cid:81)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)
gas (LNG) facilities in Portland and
Newport to ensure we can continue 
to serve customers on the coldest 
winter days, and we completed 
inline inspections of our pipelines
to support transmission integrity. 

(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:403)(cid:72)(cid:79)(cid:71)(cid:3)(cid:70)(cid:85)(cid:72)(cid:90)(cid:86)(cid:3)(cid:70)(cid:82)(cid:81)(cid:87)(cid:76)(cid:81)(cid:88)(cid:72)(cid:3)
to meet rigorous safety metrics, 
responding to damages and odors
within tight time frames. Field 
employees regularly complete 
scenario-based training at our 
state-of-the-art training center
in Sherwood, Oregon, where they
update their skills, get hands-on 
experience and practice responding
to a natural gas emergency. Last
year, we also hosted a number of
(cid:81)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:74)(cid:68)(cid:86)(cid:3)(cid:86)(cid:68)(cid:73)(cid:72)(cid:87)(cid:92)(cid:3)(cid:87)(cid:85)(cid:68)(cid:76)(cid:81)(cid:76)(cid:81)(cid:74)(cid:86)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:403)(cid:85)(cid:86)(cid:87)(cid:3)
responders in our service territory.

To better enable the company to
continue to operate after an earth-
quake, NW Natural will move in
2020 to a headquarters that is being
built to be operational after a seismic
event. And as part of our facilities 
master plan, we continue to upgrade
or replace our other facilities with 
seismic resiliency, safety and
(cid:72)(cid:73)(cid:403)(cid:70)(cid:76)(cid:72)(cid:81)(cid:70)(cid:92)(cid:3)(cid:76)(cid:81)(cid:3)(cid:80)(cid:76)(cid:81)(cid:71)(cid:17)(cid:3)

Today, our safety investments extend 
beyond our pipelines and facilities 
to technologies and expertise that
are critical to protecting our online
systems infrastructure and enhanc-
ing cybersecurity.

4

(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:70)(cid:82)(cid:81)(cid:86)(cid:87)(cid:85)(cid:88)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:72)(cid:80)(cid:83)(cid:79)(cid:82)(cid:92)(cid:72)(cid:72)(cid:3)(cid:38)(cid:68)(cid:80)(cid:72)(cid:85)(cid:82)(cid:81)(cid:3)
(cid:48)(cid:68)(cid:85)(cid:70)(cid:82)(cid:80)(cid:3)(cid:90)(cid:82)(cid:85)(cid:78)(cid:76)(cid:81)(cid:74)(cid:3)(cid:82)(cid:81)(cid:3)(cid:68)(cid:3)(cid:85)(cid:72)(cid:76)(cid:81)(cid:73)(cid:82)(cid:85)(cid:70)(cid:72)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:83)(cid:85)(cid:82)(cid:77)(cid:72)(cid:70)(cid:87)(cid:3)
(cid:76)(cid:81)(cid:3)(cid:54)(cid:75)(cid:72)(cid:85)(cid:90)(cid:82)(cid:82)(cid:71)(cid:15)(cid:3)(cid:50)(cid:85)(cid:72)(cid:74)(cid:82)(cid:81)(cid:17)

Driving Growth 
(cid:55)(cid:75)(cid:72)(cid:3)(cid:51)(cid:68)(cid:70)(cid:76)(cid:403)(cid:70)(cid:3)(cid:49)(cid:82)(cid:85)(cid:87)(cid:75)(cid:90)(cid:72)(cid:86)(cid:87)(cid:3)(cid:70)(cid:82)(cid:81)(cid:87)(cid:76)(cid:81)(cid:88)(cid:72)(cid:71)(cid:3)(cid:87)(cid:82)(cid:3)(cid:72)(cid:91)(cid:83)(cid:72)(cid:85)(cid:76)(cid:72)(cid:81)(cid:70)(cid:72)(cid:3)(cid:68)(cid:81)(cid:3)(cid:72)(cid:70)(cid:82)(cid:81)(cid:82)(cid:80)(cid:76)(cid:70)(cid:3)(cid:72)(cid:91)(cid:83)(cid:68)(cid:81)(cid:86)(cid:76)(cid:82)(cid:81)(cid:3)
in 2018. In Oregon, where nearly 90 percent of our customers are 
located, we saw job and wage growth, low unemployment and strong 
in-migration during the past year.  

The economic expansion led to strong construction of single-family
homes, and continued development of multifamily buildings in cities 
that are focusing on urban density. In 2018, we achieved a 50 percent
year-over-year increase in multifamily meters, which included our 
largest individually metered multifamily project to date, installing
natural gas to 385 units in a new development in Northwest Portland.

760,000

UTILITY METERS AT YEAR-END

With a 63 percent residential market share in our service territory,
we also continue to focus on data-driven marketing to proactively target
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proprietary web-based tool, we are able to validate a customer’s interest
in natural gas and easily determine if service is currently available to
their home. We can also
identify neighborhoods 
(cid:87)(cid:75)(cid:68)(cid:87)(cid:3)(cid:90)(cid:82)(cid:88)(cid:79)(cid:71)(cid:3)(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87)(cid:3)(cid:73)(cid:85)(cid:82)(cid:80)
main extensions and 
analyze the cost of
conversion for prospec-
tive customers to ease
the conversion process. 
Last year, we converted
over 3,500 meters to 
natural gas.     

640,000

660,000

680,000

700,000

720,000

740,000

620,000

600,000

580,000

2014

2015

RESIDENTIAL

2016
COMMERCIAL

2017

2018
INDUSTRIAL

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(cid:21)(cid:19)(cid:20)(cid:27)(cid:17)(cid:3)(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:81)(cid:82)(cid:90)(cid:3)(cid:86)(cid:72)(cid:85)(cid:89)(cid:72)(cid:86)(cid:3)(cid:68)(cid:83)(cid:83)(cid:85)(cid:82)(cid:91)(cid:76)(cid:80)(cid:68)(cid:87)(cid:72)(cid:79)(cid:92)(cid:3)(cid:87)(cid:90)(cid:82)
(cid:80)(cid:76)(cid:79)(cid:79)(cid:76)(cid:82)(cid:81)(cid:3)(cid:83)(cid:72)(cid:82)(cid:83)(cid:79)(cid:72)(cid:3)(cid:87)(cid:75)(cid:85)(cid:82)(cid:88)(cid:74)(cid:75)(cid:3)(cid:80)(cid:82)(cid:85)(cid:72)(cid:3)(cid:87)(cid:75)(cid:68)(cid:81)(cid:3)(cid:26)(cid:24)(cid:19)(cid:15)(cid:19)(cid:19)(cid:19)(cid:3)(cid:80)(cid:72)(cid:87)(cid:72)(cid:85)(cid:86)(cid:17)

With a strong economy 
and these innovative
tools, we added over
12,500 new meters to 
the natural gas system 
for an annual growth
rate of 1.7 percent 
in 2018.

Number One in Affordability and Customer Satisfaction 
Natural gas commodity prices continue to decline nationally, making 
natural gas the most affordable fuel choice and boosting our competitive
position and customer satisfaction. In the typical home we serve, natural 
gas offers a price advantage of up to 70 percent over an electric or oil 
furnace and about a 30 percent advantage over a heat pump.

In November 2018, we were able to pass cost savings on to customers
for the fourth year in a row. The typical Oregon residential customer’s
rates declined by 2.1 percent, even after incorporating the initial increase 
from the Oregon general rate case order in 2018. Washington residential 
customers saw rates drop 7.2 percent.  

Our cost advantage, coupled with high-quality service, continues to 
resonate with customers. For the sixth year in a row, customers ranked
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Residential Customer Satisfaction Study. We earned the third highest 
score in the nation— the 14th time in 17 years that we scored in the top
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annual business study. 

These results are a testament to our customer-centric culture, and I’m
very proud of all of our employees who live our service ethic every day.

Working Productively with Regulators  
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After 10 months of review with stakeholders, the Public Utility Commission 
of Oregon (PUC) ordered an overall $23.4 million revenue requirement
increase from previous rates effective Nov. 1, 2018. The commission also
approved a $300 million increase in rate base from the last Oregon rate
case in 2012, bringing our total rate base to $1.186 billion.

(cid:36)(cid:73)(cid:87)(cid:72)(cid:85)(cid:3)(cid:70)(cid:82)(cid:81)(cid:86)(cid:76)(cid:71)(cid:72)(cid:85)(cid:76)(cid:81)(cid:74)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:70)(cid:82)(cid:81)(cid:86)(cid:72)(cid:85)(cid:89)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:87)(cid:68)(cid:85)(cid:76)(cid:73)(cid:73)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:87)(cid:68)(cid:91)(cid:3)(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87)(cid:86)(cid:3)(cid:73)(cid:85)(cid:82)(cid:80)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:41)(cid:72)(cid:71)(cid:72)(cid:85)(cid:68)(cid:79)(cid:3)
(cid:55)(cid:68)(cid:91)(cid:3)(cid:38)(cid:88)(cid:87)(cid:86)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:45)(cid:82)(cid:69)(cid:86)(cid:3)(cid:36)(cid:70)(cid:87)(cid:15)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:51)(cid:56)(cid:38)(cid:3)(cid:85)(cid:88)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:85)(cid:72)(cid:83)(cid:85)(cid:72)(cid:86)(cid:72)(cid:81)(cid:87)(cid:86)(cid:3)(cid:68)(cid:81)(cid:3)(cid:72)(cid:91)(cid:83)(cid:72)(cid:70)(cid:87)(cid:72)(cid:71)(cid:3)(cid:81)(cid:72)(cid:87)(cid:3)(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87)(cid:3)(cid:87)(cid:82)(cid:3)
NW Natural of about $10 million after-tax.  

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2008. We requested an $8.3 million increase to base rates to cover our 
costs to operate and maintain the natural gas distribution system in 
our fast-growing Washington service territory. Since 2008, Washington 
customer rates have declined nearly 40 percent due to lower natural gas
prices. The Washington Public Utility Commission and other stakeholders
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(cid:90)(cid:76)(cid:87)(cid:75)(cid:3)(cid:81)(cid:72)(cid:90)(cid:3)(cid:85)(cid:68)(cid:87)(cid:72)(cid:86)(cid:3)(cid:85)(cid:72)(cid:84)(cid:88)(cid:72)(cid:86)(cid:87)(cid:72)(cid:71)(cid:3)(cid:87)(cid:82)(cid:3)(cid:69)(cid:72)(cid:3)(cid:72)(cid:73)(cid:73)(cid:72)(cid:70)(cid:87)(cid:76)(cid:89)(cid:72)(cid:3)(cid:39)(cid:72)(cid:70)(cid:17)(cid:3)(cid:20)(cid:15)(cid:3)(cid:21)(cid:19)(cid:20)(cid:28)(cid:17)

Building the Future
With just a single pipeline serving our region, our Mist gas storage facility
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role in ensuring reliable service to our customers since 1989. The value
of this facility was once again proven in October 2018, when a major
pipeline incident in Canada disrupted natural gas service in Canada and 
Washington. The Mist facility was a critical resource that allowed us to 
serve our customers, as well as other local utilities. 

We believe natural gas storage is a crucial asset that can also help our 
region transition to a low-carbon future. Stable energy from storage can

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

be drawn on any time, allowing the 
region to integrate more wind and 
solar power into the grid while 
ensuring reliability. That’s why we 
are expanding our storage capacity 
with the North Mist project. The 
expansion includes providing
about 2.5 billion cubic feet of
available storage, an additional
compressor station and a new
dedicated 13-mile pipeline to
connect NW Natural’s facility to
Portland General Electric’s (PGE) 
Port Westward industrial park. PGE
can draw on the facility rapidly to 
integrate more wind power into 
the grid, knowing they have 24/7 
reliable natural gas backup.

To date, we’ve completed the
pipeline and all aspects of
the operation and are in the 
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on this one-of-a-kind facility. 
We expect the expansion to be in
service by spring 2019, with an 
estimated cost of $149 million.
This investment will immediately
be rate-based under an estab-
lished tariff schedule already
approved by the PUC. 

The facility is contracted to PGE 
for an initial 30-year period, with 
renewal options of up to 50 years
beyond that.

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(cid:49)(cid:82)(cid:85)(cid:87)(cid:75)(cid:3)(cid:48)(cid:76)(cid:86)(cid:87)(cid:3)(cid:40)(cid:91)(cid:83)(cid:68)(cid:81)(cid:86)(cid:76)(cid:82)(cid:81)(cid:3)(cid:51)(cid:85)(cid:82)(cid:77)(cid:72)(cid:70)(cid:87)(cid:3)(cid:81)(cid:72)(cid:68)(cid:85)(cid:3) 
(cid:48)(cid:76)(cid:86)(cid:87)(cid:15)(cid:3)(cid:50)(cid:85)(cid:72)(cid:74)(cid:82)(cid:81)(cid:17)

5

S HAR EHOLD E R L E T TE R

CAPITAL EXPENDITURES
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(cid:75)(cid:82)(cid:80)(cid:72)(cid:86)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:69)(cid:88)(cid:86)(cid:76)(cid:81)(cid:72)(cid:86)(cid:86)(cid:72)(cid:86)(cid:15)(cid:3)(cid:76)(cid:81)(cid:3)(cid:85)(cid:72)(cid:87)(cid:88)(cid:85)(cid:81)(cid:16)(cid:87)(cid:82)(cid:16)(cid:404)(cid:72)(cid:72)(cid:87)(cid:3)(cid:89)(cid:72)(cid:75)(cid:76)(cid:70)(cid:79)(cid:72)(cid:86)(cid:15)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:90)(cid:76)(cid:87)(cid:75)(cid:3)(cid:85)(cid:72)(cid:81)(cid:72)(cid:90)(cid:68)(cid:69)(cid:79)(cid:72)(cid:3)
natural gas.

Renewable natural gas is produced from organic materials like wood, 
food, agricultural and even human waste. As these materials decom-
pose, they produce methane that can be captured and conditioned to
pipeline quality.

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nearly 50 billion cubic feet of renewable natural gas technical potential
in our state— equivalent to all of Oregon’s residential gas throughput. 
This resource gives us a great opportunity to reduce the carbon
intensity of our product and help our communities solve their waste 
problems in the process. To that end, we are pleased to be working on
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gas onto our system.

In 2018, a study commissioned by NW Natural and conducted by inde-
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explored how our region could meet dramatic emission reduction goals.

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getting to an 80 percent carbon reduction goal by 2050 will be challenging
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resources, electrifying passenger vehicles, and aggressively developing
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closer look has been taken at how energy needs can be met to serve 
homes and businesses on the coldest winter days in the region.

The new research shows that by adding 25 percent renewable natural
gas into the existing natural gas system and delivering it to heat homes, 
the region can achieve its climate goals without a substantial build out
of new power plants.

We believe the results validate NW Natural is on the right path by 
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natural gas in our supply mix, and by exploring cutting-edge technol-
ogies like Power to Gas.

We look forward to continuing to work with our regulators and other
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(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87)(cid:86)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:82)(cid:88)(cid:85)(cid:3)(cid:70)(cid:88)(cid:86)(cid:87)(cid:82)(cid:80)(cid:72)(cid:85)(cid:86)(cid:3)(cid:68)(cid:87)(cid:3)(cid:68)(cid:3)(cid:85)(cid:72)(cid:68)(cid:86)(cid:82)(cid:81)(cid:68)(cid:69)(cid:79)(cid:72)(cid:3)(cid:70)(cid:82)(cid:86)(cid:87)(cid:17)

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(cid:38)(cid:82)(cid:80)(cid:83)(cid:85)(cid:72)(cid:86)(cid:86)(cid:72)(cid:71)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:42)(cid:68)(cid:86)(cid:3)(cid:68)(cid:87)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:38)(cid:82)(cid:79)(cid:88)(cid:80)(cid:69)(cid:76)(cid:68)(cid:3)
(cid:37)(cid:82)(cid:88)(cid:79)(cid:72)(cid:89)(cid:68)(cid:85)(cid:71)(cid:3)(cid:58)(cid:68)(cid:86)(cid:87)(cid:72)(cid:90)(cid:68)(cid:87)(cid:72)(cid:85)(cid:3)(cid:55)(cid:85)(cid:72)(cid:68)(cid:87)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:51)(cid:79)(cid:68)(cid:81)(cid:87)(cid:17)

$250

$200

$150

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$50

$0

2014

2015

2016

2017

2018

CUSTOMER
GROWTH

SAFETY AND
RELIABILITY

OTHER

NORTH
MIST

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Creating a  
Low-Carbon Future 
Environmental stewardship is one of 
NW Natural’s core values, and it is
vital to the communities we serve. 

Our drive to reduce our carbon
footprint began in the 1980s when 
we started replacing our cast iron
and bare steel pipe to create a
tighter system with lower emissions. 
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U.S. utilities to adopt a rate struc-
ture that encourages energy 
conservation and to institute a
carbon offset program for our
customers. When the North Mist
project comes online in 2019, 
we will play a key role in integrating 
more renewables into our region’s
energy supply.

But we know we can do even more
to address climate change. That’s
why we launched NW Natural’s Low 
Carbon Pathway initiative, setting a 
voluntary goal of 30 percent carbon 
emissions savings by 2035.

Our plan to reach our goal includes 
initiatives within our own operations,
with our customers and in the
transportation sector. Over the past 
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opportunities to reduce emissions 
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our operations and in our customers’ 

6

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

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NW NATURAL WATER

Diversifying into Water 
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investment opportunities. 

In addition, our core competencies of customer service, developing
and managing critical distribution infrastructure safety and reliably, 
environmental stewardship, and constructive regulatory engagement 
can be leveraged in the water business.

Executing a Disciplined Strategy  
Since 2017, our subsidiary NW Natural Water has acquired four
water distribution utilities, adding about 7,400 connections that serve
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we announced our largest acquisition to date, which would add 9,400
water and wastewater connections in Sunriver, Oregon. This acquisition
is another meaningful step for our growing water business and adds
wastewater expertise to our portfolio. 

Once outstanding transactions close, we will have invested nearly 
$70 million in the water sector. These acquisitions are expected to be
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We believe the water sector has tremendous investment potential
in the coming years as aging infrastructure will need to be replaced.
We intend to continue our disciplined and focused approach in pursuing
our water strategy.

IMAGINING THE FUTURE

Over the last 160 years, we’ve risen to meet the energy needs of a region 
that has evolved from its pioneer roots to a thriving hub for innovation in
technology, engineering and sportswear.

While a lot has changed since 1859, our values and focus on delivering
outstanding service safely and reliably to our customers has been 
unwavering.

As we imagine and create our next 160 years, we will hold fast to our
core principles, innovative thinking, commitment to safety, and dedication 
to customers and shareholders.

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(cid:58)(cid:68)(cid:87)(cid:72)(cid:85)(cid:3)(cid:85)(cid:72)(cid:70)(cid:72)(cid:81)(cid:87)(cid:79)(cid:92)(cid:3)(cid:83)(cid:88)(cid:85)(cid:70)(cid:75)(cid:68)(cid:86)(cid:72)(cid:71)(cid:3)(cid:41)(cid:68)(cid:79)(cid:79)(cid:86)(cid:3)
(cid:58)(cid:68)(cid:87)(cid:72)(cid:85)(cid:3)(cid:38)(cid:82)(cid:80)(cid:83)(cid:68)(cid:81)(cid:92)(cid:17)

(cid:44)(cid:3)(cid:68)(cid:83)(cid:83)(cid:85)(cid:72)(cid:70)(cid:76)(cid:68)(cid:87)(cid:72)(cid:3)(cid:92)(cid:82)(cid:88)(cid:85)(cid:3)(cid:70)(cid:82)(cid:81)(cid:403)(cid:71)(cid:72)(cid:81)(cid:70)(cid:72)(cid:3)(cid:76)(cid:81)(cid:3)(cid:82)(cid:88)(cid:85)(cid:3)(cid:80)(cid:76)(cid:86)(cid:86)(cid:76)(cid:82)(cid:81)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:89)(cid:76)(cid:86)(cid:76)(cid:82)(cid:81)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:73)(cid:88)(cid:87)(cid:88)(cid:85)(cid:72)(cid:17)
We look forward to working on your behalf in the year ahead, and for 
many years to come.

(cid:39)(cid:68)(cid:89)(cid:76)(cid:71)(cid:3)(cid:43)(cid:17)(cid:3)(cid:36)(cid:81)(cid:71)(cid:72)(cid:85)(cid:86)(cid:82)(cid:81)
(cid:51)(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:38)(cid:75)(cid:76)(cid:72)(cid:73)(cid:3)(cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)(cid:3)(cid:50)(cid:73)(cid:403)(cid:70)(cid:72)(cid:85)

7

WASHINGTON

ASTORIA

MIST 
STORAGE

VANCOUVER

PORTLAND

THE DALLES

TRAINING 
CENTER

LINCOLN CITY

NEWPORT

SALEM

ALBANY

EUGENE

OREGON

COOS BAY

KEY

NW NATURAL SERVICE TERRITORY
TRAINING CENTER
REGIONAL RESOURCE CENTER
STORAGE
HEADQUARTERS

Cascadia 
Water Company

WASHINGTON

Gem State
Water 
Company

Salmon Valley 
Water Company

Sunriver Water and 
Wastewater Companies

IDAHO

OREGON

Falls Water
Company

FINANCIAL
OVERVIEW
KEY HIGHLIGHTS
(cid:38)(cid:82)(cid:81)(cid:86)(cid:82)(cid:79)(cid:76)(cid:71)(cid:68)(cid:87)(cid:72)(cid:71)(cid:3)(cid:403)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:73)(cid:68)(cid:70)(cid:87)(cid:86)(cid:3)(cid:11)(cid:7)(cid:19)(cid:19)(cid:19)(cid:12)(cid:29)

2018 

2017

Operating revenues
Net income from continuing operations
Net income (loss)
Adjusted net income

706,143
67,311 
64,569
64,569 

755,038
72,073
(55,623) 
64,4702

COMMON STOCK
(cid:54)(cid:75)(cid:68)(cid:85)(cid:72)(cid:75)(cid:82)(cid:79)(cid:71)(cid:72)(cid:85)(cid:3)(cid:71)(cid:68)(cid:87)(cid:68)(cid:3)(cid:11)(cid:19)(cid:19)(cid:19)(cid:12)(cid:29)

Average shares outstanding–diluted
Year-end shares outstanding

(cid:51)(cid:72)(cid:85)(cid:3)(cid:86)(cid:75)(cid:68)(cid:85)(cid:72)(cid:3)(cid:71)(cid:68)(cid:87)(cid:68)(cid:3)(cid:11)(cid:7)(cid:12)(cid:29)

(cid:39)(cid:76)(cid:79)(cid:88)(cid:87)(cid:72)(cid:71)(cid:3)(cid:72)(cid:68)(cid:85)(cid:81)(cid:76)(cid:81)(cid:74)(cid:86)(cid:3)(cid:11)(cid:79)(cid:82)(cid:86)(cid:86)(cid:12)
Adjusted diluted earnings
(cid:39)(cid:76)(cid:89)(cid:76)(cid:71)(cid:72)(cid:81)(cid:71)(cid:86)(cid:3)(cid:83)(cid:68)(cid:76)(cid:71)
Book value at year-end
Market value at year-end

 28,873
 28,880

2.24
2.24
1.89
26.41
60.46

28,753
28,736

(1.93)
2.242
1.88
25.85
59.65

NATURAL GAS DISTRIBUTION OPERATING HIGHLIGHTS

Gas deliveries (000 therms)
Margin1 ($000)
(cid:39)(cid:72)(cid:74)(cid:85)(cid:72)(cid:72)(cid:3)(cid:71)(cid:68)(cid:92)(cid:86)
Meters at year-end
Employees at year-end

WATER OPERATING HIGHLIGHTS

Connections at year-end
Employees at year-end

1,128,203
383,696
2,313
750,421
1,167

1,240,293
392,632
3,114
737,874
1,146

 7,400
16

-
-

DIVIDENDS PAID ON COMMON STOCK (per share)
Payment date
February
May
August
November

Total dividends paid

$0.4725 
0.4725 
0.4725 
0.4750
$1.8925

 $0.4700
 0.4700
 0.4700 
0.4725
$1.8825

2018 NATURAL GAS DISTRIBUTION MARGIN
(cid:11)(cid:37)(cid:92)(cid:3)(cid:38)(cid:79)(cid:68)(cid:86)(cid:86)(cid:12)

NATURAL GAS DISTRIBUTION MARGIN
(cid:11)(cid:76)(cid:81)(cid:3)(cid:7)(cid:19)(cid:19)(cid:19)(cid:12)

DIVIDENDS PAID PER SHARE
(cid:11)(cid:7)(cid:12)

8.0%

27.1%

64.9%

COMMERCIAL

INDUSTRIAL

RESIDENTIAL

$395,000

$390,000

$385,000

$380,000

$375,000

$370,000

$365,000

$360,000

$355,000

$350,000

2014

2015

2016

2017

2018

$1.90

$1.85

$1.80

$1.75

$1.70

$1.65

$1.60

$1.55

2014

2015

2016

2017

2018

Margins from residential and commercial meters
(cid:90)(cid:72)(cid:85)(cid:72)(cid:3)(cid:28)(cid:21)(cid:8)(cid:3)(cid:82)(cid:73)(cid:3)(cid:82)(cid:89)(cid:72)(cid:85)(cid:68)(cid:79)(cid:79)(cid:3)(cid:80)(cid:68)(cid:85)(cid:74)(cid:76)(cid:81)(cid:3)(cid:76)(cid:81)(cid:3)(cid:21)(cid:19)(cid:20)(cid:27)(cid:17)

(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:42)(cid:68)(cid:86)(cid:3)(cid:39)(cid:76)(cid:86)(cid:87)(cid:85)(cid:76)(cid:69)(cid:88)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:80)(cid:68)(cid:85)(cid:74)(cid:76)(cid:81)(cid:3)(cid:71)(cid:72)(cid:70)(cid:85)(cid:72)(cid:68)(cid:86)(cid:72)(cid:71)(cid:3)(cid:7)(cid:27)(cid:17)(cid:28)
million to $383.7 million in 2018.

Annual dividends paid per share in 2018 increased 
for the 63rd consecutive year. The current indicated
annual dividend is $1.90 per share.

1 References to the margin refer to natural gas distribution segment.
2 (cid:36)(cid:71)(cid:77)(cid:88)(cid:86)(cid:87)(cid:72)(cid:71)(cid:3)(cid:70)(cid:82)(cid:81)(cid:86)(cid:82)(cid:79)(cid:76)(cid:71)(cid:68)(cid:87)(cid:72)(cid:71)(cid:3)(cid:81)(cid:72)(cid:87)(cid:3)(cid:76)(cid:81)(cid:70)(cid:82)(cid:80)(cid:72)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:40)(cid:51)(cid:54)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:21)(cid:19)(cid:20)(cid:26)(cid:3)(cid:68)(cid:85)(cid:72)(cid:3)(cid:81)(cid:82)(cid:81)(cid:16)(cid:42)(cid:36)(cid:36)(cid:51)(cid:3)(cid:403)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:80)(cid:72)(cid:68)(cid:86)(cid:88)(cid:85)(cid:72)(cid:86)(cid:3)(cid:87)(cid:75)(cid:68)(cid:87)(cid:3)(cid:72)(cid:91)(cid:70)(cid:79)(cid:88)(cid:71)(cid:72)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:42)(cid:76)(cid:79)(cid:79)(cid:3)(cid:53)(cid:68)(cid:81)(cid:70)(cid:75)(cid:3)(cid:76)(cid:80)(cid:83)(cid:68)(cid:76)(cid:85)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:82)(cid:73)(cid:3)(cid:7)(cid:20)(cid:28)(cid:21)(cid:17)(cid:24)(cid:3)(cid:80)(cid:76)(cid:79)(cid:79)(cid:76)(cid:82)(cid:81)(cid:3)(cid:83)(cid:85)(cid:72)(cid:16)(cid:87)(cid:68)(cid:91)(cid:3)(cid:82)(cid:85)(cid:3)(cid:7)(cid:20)(cid:23)(cid:20)(cid:17)(cid:24)(cid:3)(cid:80)(cid:76)(cid:79)(cid:79)(cid:76)(cid:82)(cid:81)(cid:3)(cid:68)(cid:73)(cid:87)(cid:72)(cid:85)(cid:16)(cid:87)(cid:68)(cid:91)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)
(cid:87)(cid:75)(cid:72)(cid:3)(cid:7)(cid:21)(cid:20)(cid:17)(cid:23)(cid:3)(cid:80)(cid:76)(cid:79)(cid:79)(cid:76)(cid:82)(cid:81)(cid:3)(cid:69)(cid:72)(cid:81)(cid:72)(cid:403)(cid:87)(cid:3)(cid:85)(cid:72)(cid:79)(cid:68)(cid:87)(cid:72)(cid:71)(cid:3)(cid:87)(cid:82)(cid:3)(cid:76)(cid:80)(cid:83)(cid:79)(cid:72)(cid:80)(cid:72)(cid:81)(cid:87)(cid:76)(cid:81)(cid:74)(cid:3)(cid:87)(cid:68)(cid:91)(cid:3)(cid:85)(cid:72)(cid:73)(cid:82)(cid:85)(cid:80)(cid:17)(cid:3)(cid:55)(cid:75)(cid:72)(cid:3)(cid:68)(cid:73)(cid:87)(cid:72)(cid:85)(cid:16)(cid:87)(cid:68)(cid:91)(cid:3)(cid:76)(cid:80)(cid:83)(cid:68)(cid:76)(cid:85)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:76)(cid:86)(cid:3)(cid:70)(cid:68)(cid:79)(cid:70)(cid:88)(cid:79)(cid:68)(cid:87)(cid:72)(cid:71)(cid:3)(cid:88)(cid:86)(cid:76)(cid:81)(cid:74)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:70)(cid:82)(cid:80)(cid:69)(cid:76)(cid:81)(cid:72)(cid:71)(cid:3)(cid:73)(cid:72)(cid:71)(cid:72)(cid:85)(cid:68)(cid:79)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:86)(cid:87)(cid:68)(cid:87)(cid:72)(cid:3)(cid:86)(cid:87)(cid:68)(cid:87)(cid:88)(cid:87)(cid:82)(cid:85)(cid:92)(cid:3)(cid:87)(cid:68)(cid:91)(cid:3)(cid:85)(cid:68)(cid:87)(cid:72)(cid:3)(cid:82)(cid:73)(cid:3)(cid:21)(cid:25)(cid:17)(cid:24)(cid:8)(cid:17)(cid:3)(cid:40)(cid:51)(cid:54)(cid:3)(cid:76)(cid:86)(cid:3)(cid:70)(cid:68)(cid:79)(cid:70)(cid:88)(cid:79)(cid:68)(cid:87)(cid:72)(cid:71)(cid:3)
using 28.8 million diluted shares.

8

 
 
 
 
 
 
 
 
 
N W N AT U R A L H O L D I N G S & N W N AT U R A L B O A R D S O F D I R E CTO R S

DAVID H. ANDERSON
(cid:51)(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87) (cid:68)(cid:81)(cid:71) (cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)
(cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:15) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79) (cid:43)(cid:82)(cid:79)(cid:71)(cid:76)(cid:81)(cid:74)(cid:86)
(cid:68)(cid:81)(cid:71) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)

TIMOTHY P. BOYLE
(cid:51)(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87) (cid:68)(cid:81)(cid:71) (cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)
(cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:15) (cid:38)(cid:82)(cid:79)(cid:88)(cid:80)(cid:69)(cid:76)(cid:68) (cid:54)(cid:83)(cid:82)(cid:85)(cid:87)(cid:86)(cid:90)(cid:72)(cid:68)(cid:85)
Company

MARTHA L. “STORMY” 
BYORUM
(cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:15)
Cori Investment Advisors, LLC

JOHN D. CARTER
Chairman of the Board,
Schnitzer Steel Industries, Inc.

MARK S. DODSON
(cid:41)(cid:82)(cid:85)(cid:80)(cid:72)(cid:85) (cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)
(cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:15) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)

C. SCOTT GIBSON
President, Gibson Enterprises

TOD R. HAMACHEK
Chairman of the Board,
(cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79) (cid:43)(cid:82)(cid:79)(cid:71)(cid:76)(cid:81)(cid:74)(cid:86)
(cid:68)(cid:81)(cid:71) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)

JANE L. PEVERETT
Former President and Chief
(cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72) (cid:50)(cid:73)(cid:403)(cid:70)(cid:72)(cid:85)(cid:15) (cid:37)(cid:85)(cid:76)(cid:87)(cid:76)(cid:86)(cid:75) (cid:38)(cid:82)(cid:79)(cid:88)(cid:80)(cid:69)(cid:76)(cid:68)
Transmission Corporation

KENNETH THRASHER
Chairman of the Board,
Compli Corporation

MALIA H. WASSON
(cid:41)(cid:82)(cid:85)(cid:80)(cid:72)(cid:85) (cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)
Vice President of Commercial
Banking, U.S. Bank

CHARLES A. WILHOITE
(cid:48)(cid:68)(cid:81)(cid:68)(cid:74)(cid:76)(cid:81)(cid:74) (cid:39)(cid:76)(cid:85)(cid:72)(cid:70)(cid:87)(cid:82)(cid:85)(cid:15) (cid:58)(cid:76)(cid:79)(cid:68)(cid:80)(cid:72)(cid:87)(cid:87)(cid:72)
Management Associates, Inc.

STEVEN E. WYNNE
Independent Director,
(cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)

N W N AT U R A L S E N I O R M A N A G E M E N T

DAVID H. ANDERSON 1
President and
(cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)

FRANK BURKHARTSMEYER1
Senior Vice President and 
(cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:41)(cid:76)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)

LEA ANNE DOOLITTLE
Senior Vice President and 
(cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:36)(cid:71)(cid:80)(cid:76)(cid:81)(cid:76)(cid:86)(cid:87)(cid:85)(cid:68)(cid:87)(cid:76)(cid:89)(cid:72) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)

JAMES DOWNING
Vice President and 
(cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:44)(cid:81)(cid:73)(cid:82)(cid:85)(cid:80)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)

SHAWN M. FILIPPI 1,2
Vice President, Chief Compliance
(cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85) (cid:68)(cid:81)(cid:71) (cid:38)(cid:82)(cid:85)(cid:83)(cid:82)(cid:85)(cid:68)(cid:87)(cid:72) (cid:54)(cid:72)(cid:70)(cid:85)(cid:72)(cid:87)(cid:68)(cid:85)(cid:92)

KIMBERLY HEITING
(cid:54)(cid:72)(cid:81)(cid:76)(cid:82)(cid:85) (cid:57)(cid:76)(cid:70)(cid:72) (cid:51)(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87) (cid:50)(cid:83)(cid:72)(cid:85)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:86)
(cid:68)(cid:81)(cid:71) (cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:48)(cid:68)(cid:85)(cid:78)(cid:72)(cid:87)(cid:76)(cid:81)(cid:74) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)

JON HUDDLESTON
Vice President Engineering and 
(cid:56)(cid:87)(cid:76)(cid:79)(cid:76)(cid:87)(cid:92) (cid:50)(cid:83)(cid:72)(cid:85)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:86)

THOMAS J. IMESON
Vice President Public Affairs

JUSTIN B. PALFREYMAN 2
Vice President, Strategy and
Business Development, and
(cid:51)(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87)(cid:15) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79) (cid:58)(cid:68)(cid:87)(cid:72)(cid:85)

MELINDA ROGERS
(cid:57)(cid:76)(cid:70)(cid:72) (cid:51)(cid:85)(cid:72)(cid:86)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87)(cid:15) (cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:43)(cid:88)(cid:80)(cid:68)(cid:81)
(cid:53)(cid:72)(cid:86)(cid:82)(cid:88)(cid:70)(cid:72)(cid:86) (cid:68)(cid:81)(cid:71) (cid:39)(cid:76)(cid:89)(cid:72)(cid:85)(cid:86)(cid:76)(cid:87)(cid:92) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)

LORI L. RUSSELL
Vice President Utility Services

MARDILYN SAATHOFF1
Senior Vice President,
Regulation and General Counsel

BRODY J. WILSON1,2
Vice President,
(cid:38)(cid:75)(cid:76)(cid:72)(cid:73) (cid:36)(cid:70)(cid:70)(cid:82)(cid:88)(cid:81)(cid:87)(cid:76)(cid:81)(cid:74) (cid:50)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:15)
Controller and Treasurer

1 (cid:36)(cid:79)(cid:86)(cid:82) (cid:82)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:86) (cid:68)(cid:87) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79) (cid:43)(cid:82)(cid:79)(cid:71)(cid:76)(cid:81)(cid:74)(cid:86)(cid:17)
2 (cid:36)(cid:79)(cid:86)(cid:82) (cid:82)(cid:73)(cid:73)(cid:76)(cid:70)(cid:72)(cid:85)(cid:86) (cid:68)(cid:87) (cid:49)(cid:58) (cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79) (cid:58)(cid:68)(cid:87)(cid:72)(cid:85)(cid:17)

9

CORPORAT E IN FOR MATION

NOTICE OF
ANNUAL MEETING

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meeting, you will need to detach and retain the admission ticket attached to your proxy card mailed or emailed 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,
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(cid:54)(cid:87)(cid:82)(cid:70)(cid:78)(cid:3)(cid:68)(cid:86)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:85)(cid:72)(cid:70)(cid:82)(cid:85)(cid:71)(cid:3)(cid:71)(cid:68)(cid:87)(cid:72)(cid:15)(cid:3)(cid:36)(cid:83)(cid:85)(cid:76)(cid:79)(cid:3)(cid:23)(cid:15)(cid:3)(cid:21)(cid:19)(cid:20)(cid:28)(cid:15)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:90)(cid:72)(cid:3)(cid:90)(cid:76)(cid:79)(cid:79)(cid:3)(cid:83)(cid:85)(cid:82)(cid:89)(cid:76)(cid:71)(cid:72)(cid:3)(cid:92)(cid:82)(cid:88)(cid:3)(cid:90)(cid:76)(cid:87)(cid:75)(cid:3)(cid:68)(cid:81)(cid:3)(cid:68)(cid:71)(cid:80)(cid:76)(cid:86)(cid:86)(cid:76)(cid:82)(cid:81)(cid:3)(cid:87)(cid:76)(cid:70)(cid:78)(cid:72)(cid:87)(cid:17)(cid:3)(cid:36)(cid:3)(cid:73)(cid:82)(cid:85)(cid:80)(cid:3)(cid:82)(cid:73)(cid:3)(cid:74)(cid:82)(cid:89)(cid:72)(cid:85)(cid:81)(cid:80)(cid:72)(cid:81)(cid:87)(cid:16)(cid:76)(cid:86)(cid:86)(cid:88)(cid:72)(cid:71)(cid:3)(cid:83)(cid:75)(cid:82)(cid:87)(cid:82)(cid:74)(cid:85)(cid:68)(cid:83)(cid:75)(cid:3)(cid:76)(cid:71)(cid:72)(cid:81)(cid:87)(cid:76)(cid:403)-
cation will be required for both you and your guest to enter the meeting.

Dividend reinvestment 
and direct stock purchase plan
Participants may make an initial invest-
ment in company stock and common
shareholders of record may reinvest all or 
part of their dividends in additional shares 
under the company’s plan. Cash purchases 
may also be made. Participants in the plan
bear the cost of brokerage fees and com-
missions for shares purchased on the open 
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A prospectus will be sent upon request.

COMPARISON OF FIVE-YEAR
CUMULATIVE TOTAL RETURN
(cid:11)(cid:37)(cid:68)(cid:86)(cid:72)(cid:71)(cid:3)(cid:82)(cid:81)(cid:3)(cid:7)(cid:20)(cid:19)(cid:19)(cid:3)(cid:76)(cid:81)(cid:89)(cid:72)(cid:86)(cid:87)(cid:72)(cid:71)(cid:3)(cid:82)(cid:81)(cid:3)(cid:20)(cid:21)(cid:18)(cid:22)(cid:20)(cid:18)(cid:21)(cid:19)(cid:20)(cid:22)(cid:12)

$250

$200

$150

$100

$50

$0

2013

2014

2015

2016

2017

2018

NWN

S&P UTILITIES INDEX

S&P 500 INDEX

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(cid:87)(cid:75)(cid:72)(cid:3)(cid:403)(cid:89)(cid:72)(cid:3)(cid:92)(cid:72)(cid:68)(cid:85)(cid:86)(cid:3)(cid:72)(cid:81)(cid:71)(cid:76)(cid:81)(cid:74)(cid:3)(cid:39)(cid:72)(cid:70)(cid:72)(cid:80)(cid:69)(cid:72)(cid:85)(cid:3)(cid:22)(cid:20)(cid:15)(cid:3)(cid:21)(cid:19)(cid:20)(cid:27)
(cid:90)(cid:68)(cid:86)(cid:3)(cid:20)(cid:19)(cid:17)(cid:28)(cid:25)(cid:8)(cid:15)(cid:3)(cid:70)(cid:82)(cid:80)(cid:83)(cid:68)(cid:85)(cid:72)(cid:71)(cid:3)(cid:87)(cid:82)(cid:3)(cid:54)(cid:87)(cid:68)(cid:81)(cid:71)(cid:68)(cid:85)(cid:71)(cid:3)(cid:9)(cid:3)(cid:51)(cid:82)(cid:82)(cid:85)(cid:267)(cid:86)(cid:3)
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(cid:87)(cid:75)(cid:72)(cid:3)(cid:54)(cid:9)(cid:51)(cid:3)(cid:24)(cid:19)(cid:19)(cid:3)(cid:44)(cid:81)(cid:71)(cid:72)(cid:91)(cid:3)(cid:85)(cid:72)(cid:87)(cid:88)(cid:85)(cid:81)(cid:3)(cid:82)(cid:73)(cid:3)(cid:27)(cid:17)(cid:23)(cid:27)(cid:8)(cid:17)(cid:3)(cid:51)(cid:72)(cid:85)(cid:76)(cid:82)(cid:71)(cid:86)(cid:3)
(cid:69)(cid:72)(cid:73)(cid:82)(cid:85)(cid:72)(cid:3)(cid:50)(cid:70)(cid:87)(cid:82)(cid:69)(cid:72)(cid:85)(cid:3)(cid:20)(cid:15)(cid:3)(cid:21)(cid:19)(cid:20)(cid:27)(cid:3)(cid:85)(cid:72)(cid:79)(cid:68)(cid:87)(cid:72)(cid:3)(cid:87)(cid:82)(cid:3)(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)
(cid:68)(cid:81)(cid:71)(cid:3)(cid:83)(cid:72)(cid:85)(cid:76)(cid:82)(cid:71)(cid:86)(cid:3)(cid:68)(cid:73)(cid:87)(cid:72)(cid:85)(cid:3)(cid:87)(cid:75)(cid:68)(cid:87)(cid:3)(cid:87)(cid:76)(cid:80)(cid:72)(cid:3)(cid:85)(cid:72)(cid:79)(cid:68)(cid:87)(cid:72)(cid:3)(cid:87)(cid:82)(cid:3)(cid:49)(cid:58)(cid:3)
(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:43)(cid:82)(cid:79)(cid:71)(cid:76)(cid:81)(cid:74)(cid:86)(cid:17)

Scheduled dividend payment dates
Subject to Board approval, the following
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February 15, 2019
May 15, 2019
August 15, 2019
November 15, 2019

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he was not aware of any violation by the 
company of NYSE’s corporate governance
listing standards, and the company had 
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Commission (SEC), as exhibits 31.1 and
31.2 to its Annual Report on Form 10-K
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(cid:87)(cid:75)(cid:72)(cid:3)(cid:70)(cid:72)(cid:85)(cid:87)(cid:76)(cid:403)(cid:70)(cid:68)(cid:87)(cid:72)(cid:86)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:38)(cid:75)(cid:76)(cid:72)(cid:73)(cid:3)(cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)
(cid:50)(cid:73)(cid:403)(cid:70)(cid:72)(cid:85)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:38)(cid:75)(cid:76)(cid:72)(cid:73)(cid:3)(cid:41)(cid:76)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:50)(cid:73)(cid:403)(cid:70)(cid:72)(cid:85)(cid:3)(cid:82)(cid:73)(cid:3)
the company certifying the quality of the 
company’s public disclosure. For the year 
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(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:38)(cid:75)(cid:76)(cid:72)(cid:73)(cid:3)(cid:40)(cid:91)(cid:72)(cid:70)(cid:88)(cid:87)(cid:76)(cid:89)(cid:72)(cid:3)(cid:50)(cid:73)(cid:403)(cid:70)(cid:72)(cid:85)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:38)(cid:75)(cid:76)(cid:72)(cid:73)(cid:3)
(cid:41)(cid:76)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:50)(cid:73)(cid:403)(cid:70)(cid:72)(cid:85)(cid:3)(cid:68)(cid:85)(cid:72)(cid:3)(cid:68)(cid:87)(cid:87)(cid:68)(cid:70)(cid:75)(cid:72)(cid:71)(cid:3)(cid:68)(cid:86)(cid:3)(cid:72)(cid:91)(cid:75)(cid:76)(cid:69)(cid:76)(cid:87)(cid:86)
31.1 and 31.2 to the Form 10-K included in
this Annual Report.

Contact the NW Natural Holdings Board
Concerns may be directed to the
nonmanagement directors by writing to
(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:3)(cid:43)(cid:82)(cid:79)(cid:71)(cid:76)(cid:81)(cid:74)(cid:86)(cid:3)(cid:37)(cid:82)(cid:68)(cid:85)(cid:71)(cid:3)(cid:82)(cid:73)(cid:3)(cid:39)(cid:76)(cid:85)(cid:72)(cid:70)(cid:87)(cid:82)(cid:85)(cid:86)(cid:15)(cid:3)
c/o Corporate Secretary.  

Forward-looking statements
The statements made in this Annual Report 
that are not purely historical, including 
statements regarding plans, goals, strat-
egies, success, opportunities, dividends, 
(cid:72)(cid:68)(cid:85)(cid:81)(cid:76)(cid:81)(cid:74)(cid:86)(cid:15)(cid:3)(cid:403)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:89)(cid:68)(cid:79)(cid:88)(cid:72)(cid:15)(cid:3)(cid:403)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:85)(cid:72)(cid:86)(cid:88)(cid:79)(cid:87)(cid:86)(cid:15)(cid:3)
future events, performance, stability, 
continuation of past practices, future
demand or preference for gas, the future
of clean energy and the role of natural
gas in it, renewable natural gas, power to 

gas, commodity costs, customer rates and 
service, competitive position, revenues,
customer and business growth, capital 
expenditures, Mist storage expansion 
project, including but not limited to cost
and timelines, emergency preparedness,
cybersecurity, system reliability, safety, 
business continuity, environmental 
stewardship, regulatory proceedings 
and actions, including, but not limited to 
our rate case and the timing and results 
thereof, rate recovery, effects of regula-
tory mechanisms, the regional economy,
water utility strategy, planned acquisitions 
and integration thereof, operating plans
of third parties, technology development,
multifamily sector, system modernization 
(cid:68)(cid:81)(cid:71)(cid:3)(cid:72)(cid:73)(cid:403)(cid:70)(cid:76)(cid:72)(cid:81)(cid:70)(cid:92)(cid:15)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:72)(cid:73)(cid:73)(cid:72)(cid:70)(cid:87)(cid:86)(cid:3)(cid:82)(cid:73)(cid:3)(cid:79)(cid:72)(cid:74)(cid:76)(cid:86)(cid:79)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:15)
are forward-looking statements within the 
“safe harbor” provisions of the Private 
Securities Litigation Reform Act of 1995. 
NW Natural’s actual results could differ 
materially from those anticipated in these
forward-looking statements as a result of 
risks and uncertainties, including those
described in the attached report on Form
10-K. For a more complete description of 
these risks and uncertainties, please refer
(cid:87)(cid:82)(cid:3)(cid:82)(cid:88)(cid:85)(cid:3)(cid:403)(cid:79)(cid:76)(cid:81)(cid:74)(cid:86)(cid:3)(cid:90)(cid:76)(cid:87)(cid:75)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:54)(cid:40)(cid:38)(cid:3)(cid:82)(cid:81)(cid:3)(cid:41)(cid:82)(cid:85)(cid:80)(cid:86)(cid:3)(cid:20)(cid:19)(cid:16)(cid:46)
and 10-Q.

Request for publications
The following publications may be obtained
without charge by contacting the Corporate 
(cid:54)(cid:72)(cid:70)(cid:85)(cid:72)(cid:87)(cid:68)(cid:85)(cid:92)(cid:3)(cid:68)(cid:87)(cid:3)(cid:49)(cid:58)(cid:3)(cid:49)(cid:68)(cid:87)(cid:88)(cid:85)(cid:68)(cid:79)(cid:267)(cid:86)(cid:3)(cid:68)(cid:71)(cid:71)(cid:85)(cid:72)(cid:86)(cid:86)(cid:29)(cid:3)(cid:36)(cid:81)(cid:81)(cid:88)(cid:68)(cid:79)
Report; Form 10-K; Form 10-Q; Form 
8-Ks; Corporate Governance Standards; 
(cid:39)(cid:76)(cid:85)(cid:72)(cid:70)(cid:87)(cid:82)(cid:85)(cid:3)(cid:44)(cid:81)(cid:71)(cid:72)(cid:83)(cid:72)(cid:81)(cid:71)(cid:72)(cid:81)(cid:70)(cid:72)(cid:3)(cid:54)(cid:87)(cid:68)(cid:81)(cid:71)(cid:68)(cid:85)(cid:71)(cid:86)(cid:30)(cid:3)(cid:38)(cid:82)(cid:71)(cid:72)(cid:3)
of Ethics; and Board Committee Charters.
(cid:55)(cid:75)(cid:72)(cid:86)(cid:72)(cid:3)(cid:83)(cid:88)(cid:69)(cid:79)(cid:76)(cid:70)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:86)(cid:15)(cid:3)(cid:68)(cid:86)(cid:3)(cid:90)(cid:72)(cid:79)(cid:79)(cid:3)(cid:68)(cid:86)(cid:3)(cid:82)(cid:87)(cid:75)(cid:72)(cid:85)(cid:3)(cid:403)(cid:79)(cid:76)(cid:81)(cid:74)(cid:86)
made with the SEC, are also available on
our website at nwnaturalholdings.com.
(cid:50)(cid:88)(cid:85)(cid:3)(cid:54)(cid:40)(cid:38)(cid:3)(cid:403)(cid:79)(cid:76)(cid:81)(cid:74)(cid:86)(cid:3)(cid:68)(cid:85)(cid:72)(cid:3)(cid:68)(cid:79)(cid:86)(cid:82)(cid:3)(cid:68)(cid:89)(cid:68)(cid:76)(cid:79)(cid:68)(cid:69)(cid:79)(cid:72)(cid:3)(cid:87)(cid:75)(cid:85)(cid:82)(cid:88)(cid:74)(cid:75)
the SEC’s website (sec.gov).

PRODUCED BY NW NATURAL’S CORPORATE COMMUNICATIONS

PHOTO CREDITS: (cid:36)(cid:49)(cid:39)(cid:60)(cid:3)(cid:37)(cid:36)(cid:56)(cid:40)(cid:53) - page 5, North Mist expansion pipeline; (cid:39)(cid:36)(cid:47)(cid:40)(cid:3)(cid:43)(cid:40)(cid:36)(cid:39)(cid:53)(cid:44)(cid:38)(cid:46) - page 3, service technician; 
page 4, construction employee; (cid:42)(cid:36)(cid:53)(cid:60)(cid:3)(cid:48)(cid:36)(cid:55)(cid:50)(cid:54)(cid:50) (cid:83)(cid:68)(cid:74)(cid:72)(cid:3)(cid:25)(cid:15)(cid:3)(cid:38)(cid:49)(cid:42)(cid:3)(cid:403)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:86)(cid:87)(cid:68)(cid:87)(cid:76)(cid:82)(cid:81)(cid:30)(cid:3)(cid:53)(cid:50)(cid:37)(cid:37)(cid:44)(cid:40)(cid:3)(cid:48)(cid:38)(cid:38)(cid:47)(cid:36)(cid:53)(cid:36)(cid:49) - page 9, select 
portraits; (cid:50)(cid:55)(cid:43)(cid:40)(cid:53)(cid:3)(cid:16)(cid:3)(cid:83)(cid:68)(cid:74)(cid:72)(cid:3)(cid:21)(cid:15)(cid:3)(cid:39)(cid:68)(cid:89)(cid:76)(cid:71)(cid:3)(cid:36)(cid:81)(cid:71)(cid:72)(cid:85)(cid:86)(cid:82)(cid:81)(cid:15)(cid:3)(cid:70)(cid:82)(cid:88)(cid:85)(cid:87)(cid:72)(cid:86)(cid:92)(cid:3)(cid:49)(cid:60)(cid:54)(cid:40)(cid:3)(cid:274)(cid:3)PRINTING: (cid:39)(cid:82)(cid:81)(cid:81)(cid:72)(cid:79)(cid:79)(cid:72)(cid:92)(cid:3)(cid:41)(cid:76)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:54)(cid:82)(cid:79)(cid:88)(cid:87)(cid:76)(cid:82)(cid:81)(cid:86)

10

Form 10-K
Annual Report

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

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

For the fiscal year ended December 31, 2018
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 1-38681

Commission file number 1-15973

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

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

Oregon

(State or other jurisdiction of
incorporation or organization)

82-4710680

(I.R.S. Employer
Identification No.)

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:  (503) 226-4211

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

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

Registrant                                                      Title of each class

 Name of each exchange on which registered

Northwest Natural Holding Company             Common Stock

  New York Stock Exchange

Northwest Natural Gas Company                   None

  None

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.

NORTHWEST NATURAL HOLDING COMPANY           Yes[ X ]  No[   ]

NORTHWEST NATURAL GAS COMPANY                  Yes[   ]  No[ X ]

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

NORTHWEST NATURAL HOLDING COMPANY           Yes[   ]  No[ X ]

NORTHWEST NATURAL GAS COMPANY                  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. 

NORTHWEST NATURAL HOLDING COMPANY           Yes[ X ]  No[   ]

NORTHWEST NATURAL GAS COMPANY                  Yes[ X ]  No[   ]

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted 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 such files).

NORTHWEST NATURAL HOLDING COMPANY           Yes[ X ]  No[   ]

NORTHWEST NATURAL GAS COMPANY                  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.[ X ]

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting
company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and
"emerging growth company" in Rule 12b-2 of the Exchange Act.

NORTHWEST NATURAL HOLDING COMPANY

NORTHWEST NATURAL GAS COMPANY

Large Accelerated Filer [ X ]

Accelerated Filer [    ]

Non-accelerated Filer [    ]   

Smaller Reporting Company [    ]

Emerging Growth Company [    ]

Large Accelerated Filer [   ]

Accelerated Filer [    ]

Non-accelerated Filer [ X ]

Smaller Reporting Company [    ]

Emerging Growth Company [    ]

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with
any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [   ]

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). 

NORTHWEST NATURAL HOLDING COMPANY           Yes[   ]  No[ X ]

NORTHWEST NATURAL GAS COMPANY                  Yes[   ]  No[ X ]

As of the end of the second quarter of 2018, the aggregate market value of the shares of Common Stock of Northwest Natural 
Gas Company (based upon the closing price of these shares on the New York Stock Exchange on June 29, 2018) held by non-
affiliates was $1,814,276,842.

At February 22, 2019, 28,896,471 shares of Northwest Natural Holding Company's Common Stock (the only class of Common 
Stock) were outstanding and 28,844,190 shares of Northwest Natural Gas Company's Common Stock (the only class of 
Common Stock) were outstanding, all of which were held by Northwest Natural Holding Company.

This combined Form 10-K is separately filed by Northwest Natural Holding Company and Northwest Natural Gas Company. 
Information contained in this document relating to Northwest Natural Gas Company is filed by Northwest Natural Holding 
Company and separately by Northwest Natural Gas Company. Northwest Natural Gas Company makes no representation as to 
information relating to Northwest Natural Holding Company or its subsidiaries, except as it may relate to Northwest Natural Gas 
Company and its subsidiaries.

Northwest Natural Gas Company meets the conditions set forth in General Instruction (I)(1)(a) and (b) of Form 10-K and is 
therefore filing this report with the reduced disclosure format.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of Northwest Natural Holding Company's Proxy Statement, to be filed in connection with the 2019 Annual Meeting of 
Shareholders, are incorporated by reference in Part III.

TABLE OF CONTENTS

Glossary of Terms

Forward-Looking Statements

PART I

Item 1.

Business

Overview

Natural Gas Distribution

Other

Environmental Matters

Employees

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 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

Item 16.

Form 10-K Summary

EXHIBIT INDEX

SIGNATURES

Page

1

4

5

5

5

9

10

11

11

11

13

22

23

23

23

24

25

26

57

59

118

118

118

119

121

121

122

122

122

122

123

128

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
GLOSSARY OF TERMS AND ABBREVIATIONS

AFUDC

Allowance for Funds Used During Construction

AOCI / AOCL

Accumulated Other Comprehensive Income (Loss)

ASC

ASU

Accounting Standards Codification

Accounting Standards Update as issued by the FASB

Average Weather

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

Bcf

CNG

CODM

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

Compressed Natural Gas

Chief Operating Decision Maker. For accounting purposes, an individual or group of individuals
responsible for the allocation of resources and assessing the performance of the entity's business
units

Core Utility Customers Residential, commercial, and industrial customers receiving firm service from the utility

Cost of Gas

CPUC

Decoupling

Demand Cost

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
the Gill Ranch facility with respect to rates and terms of service, among other matters

A billing rate mechanism, also referred to as a conservation tariff, which is designed to allow a 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
Earnings before interest, taxes, depreciation and amortization, a non-GAAP financial measure

Engineering Evaluation / Cost Analysis

Encana Oil & Gas (USA) Inc.

Energy Corp

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

EPA

EPS

FASB

FERC

Environmental Protection Agency

Earnings per share

Financial Accounting Standards Board

Federal Energy Regulatory Commission; the entity regulating interstate storage services offered by
the Mist gas storage facility

Firm Service

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

FMBs

First Mortgage Bonds

General Rate Case

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

GHG

Gill Ranch

Gill Ranch Facility

GTN

Greenhouse gases

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

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

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

Heating Degree Days

Units of measure reflecting temperature-sensitive consumption of natural gas, calculated by
subtracting the average of a day’s high and low temperatures from 59 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

Interstate Storage
Services

The portion of the Mist gas storage facility not used to serve NGD, instead serving utilities, gas
marketers, electric generators, and large industrial users

IPUC

IRP

Public Utility Commission of Idaho; the entity that regulates NW Holdings' Idaho water business with
respect to rates and terms of service, among other matters

Integrated Resource Plan

1

KB

LNG

MAP-21

Moody's

NAV

NGD

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

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

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

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

Net Asset Value

Natural Gas Distribution, a segment of NW Natural Holdings and NW Natural Gas Company that
provides regulated natural gas distribution services to residential, commercial, and industrial
customers in Oregon and Southwest Washington

NGD Margin

A financial measure consisting of NGD operating revenues less the associated cost of gas, franchise
taxes, and environmental recoveries

NNG Financial

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

NOL

NRD

NW Holdings

NW Natural

NWN Energy

Net Operating Loss

Natural Resource Damages

Northwest Natural Holding Company

Northwest Natural Gas Company, a wholly-owned subsidiary of NW Holdings

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

NWN Gas Reserves

NWN Gas Reserves LLC, a wholly-owned subsidiary of Energy Corp

NWN Gas Storage

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

ODEQ

OPEIU

OPUC

PBGC

PG&E

PGA

Oregon Department of Environmental Quality

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 natural gas and water utility
businesses with respect to rates and terms of service, among other matters; the OPUC also regulates
the Mist gas storage facility's intrastate storage services

Pension Benefit Guaranty Corporation

Pacific Gas & Electric Company; 25% owner of the Gill Ranch Facility

Purchased Gas Adjustment, a regulatory mechanism which adjusts natural gas 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

Portland General Electric; primary customer of the North Mist gas storage expansion

PHMSA

PRP

RI/FS

ROD

ROE

ROR

S&P

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

Potentially Responsible Parties

Remedial Investigation / Feasibility Study

Record of Decision

Return on Equity, a measure of corporate profitability, calculated as net income or loss 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, a measure of return on utility rate base. Authorized ROR refers to the rate of return
approved by a regulatory agency and is generally discussed in the context of ROE and capital
structure

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

Sales Service

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

SEC

SRRM

TCJA

Therm

TWH

TWP

U.S. Securities and Exchange Commission

Site Remediation and Recovery Mechanism, a billing rate mechanism for recovering prudently
incurred environmental site remediation costs allocable to Oregon through customer billings, subject
to an earnings test

The Tax Cuts and Jobs Act enacted on December 22, 2017

The basic unit of natural gas measurement, equal to one hundred thousand British thermal units

Trail West Holdings, LLC, 50% owned by NWN Energy

Trail West Pipeline, LLC, a subsidiary of TWH

TransCanada

TransCanada Pipelines Limited, owner of TransCanada American Investments, Ltd., a 50% owner of
TWH, and GTN

2

Transportation Service Service provided whereby a customer purchases natural gas directly from a supplier but pays the

utility to transport the gas over its distribution system to the customer’s facility

U.S. GAAP

Accounting principles generally accepted in the United States of America

WARM

WUTC

An Oregon billing rate mechanism applied to natural gas residential and commercial customers to
adjust for temperature variances from average weather

Washington Utilities and Transportation Commission, the entity that regulates our Washington natural
gas and water utility businesses 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, which are subject to the safe harbors created by 
such Act. Forward-looking statements can be identified by 
words such as anticipates, assumes, 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:
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

plans, projections and predictions;
objectives, goals or strategies;
assumptions, generalizations and estimates;
ongoing continuation of past practices or patterns;
future events or performance;
trends;
risks;
uncertainties;
timing and cyclicality;
earnings and dividends;
capital expenditures and allocation; 
capital or organizational structure, including restructuring 
as a holding company;
climate change and our role in a low-carbon, renewable-
energy future;
growth;
customer rates;
labor relations and workforce succession;
commodity costs;
gas reserves;
operational performance and costs;
energy policy, infrastructure and preferences;
public policy approach and involvement;
efficacy of derivatives and hedges;
liquidity, financial positions, and planned securities 
issuances;
valuations;
project and program development, expansion, or 
investment;
business development efforts, including acquisitions 
and integration thereof;
pipeline capacity, demand, location, and reliability;
adequacy of property rights and headquarter 
development;
technology implementation and cybersecurity practices;
competition;
procurement and development of gas supplies;
estimated expenditures;
costs of compliance;
customers bypassing our infrastructure;
credit exposures;
rate or regulatory outcomes, recovery or refunds;
impacts or changes of laws, rules and regulations;
tax liabilities or refunds, including effects of tax reform;
levels and pricing of gas storage contracts and gas 
storage markets;
outcomes, timing and effects of potential claims, 
litigation, regulatory actions, and other administrative 
matters;
projected  obligations,  expectations  and  treatment  with 
respect to retirement plans;
availability, adequacy, and shift in mix, of gas supplies;
effects of new or anticipated changes in critical accounting 
policies or estimates; 

• 

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

• 
• 

• 

• 
• 

• 
• 
• 
• 
• 
• 
• 
• 
• 
• 
• 

• 

• 

• 
• 

• 
• 
• 

approval and adequacy of regulatory deferrals;
effects and efficacy 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 in this report speaks 
only as of the date on which it is made. Factors or events 
that could cause 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

 
incorporated in Oregon in 1910, and began doing business 
as NW Natural in 1997. NW Natural's natural gas 
distribution activities are reported in the natural gas 
distribution (NGD) segment, formerly titled and reported as 
the utility segment. All other business activities, including 
certain gas storage activities, water businesses, and other 
investments and activities are aggregated and reported as 
"other" at their respective registrant.

In addition, NW Holdings has reported discontinued 
operations results related to the pending sale of Gill Ranch 
Storage, LLC (Gill Ranch). NW Natural Gas Storage, LLC 
(NWN Gas Storage), currently an indirect wholly-owned 
subsidiary of NW Holdings, entered into a Purchase and 
Sale Agreement during the second quarter of 2018 that 
provides for the sale of all membership interests in Gill 
Ranch. Gill Ranch owns a 75% interest in the natural gas 
storage facility located near Fresno, California known as the 
Gill Ranch Gas Storage Facility. Pacific Gas and Electric 
Company (PG&E) owns the remaining 25% interest in the 
Gill Ranch Gas Storage Facility.

NATURAL GAS DISTRIBUTION (NGD) SEGMENT

Both NW Holdings and NW Natural have one reportable 
segment, the NGD segment, which is conducted by NW 
Natural. The NGD business purchases and distributes 
natural gas through approximately 750,000 meters in 
Oregon and southwest Washington. Approximately 89% of 
customers are located in Oregon and 11% are located in 
southwest Washington. 

NW Natural has been allocated an exclusive service territory 
by the OPUC and WUTC, which includes the major 
population centers in western Oregon, including the 
Portland metropolitan area, 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 ports on the West Coast and is a key 
distribution center. Major businesses located in NW 
Natural's service territory include retail, manufacturing, and 
high-technology industries. 

Customers
The NGD business serves residential, commercial, and 
industrial customers with no individual customer accounting 
for more than 10% of NW Natural or NW Holdings revenues. 
On an annual basis, residential and commercial customers 
typically account for approximately 60% of NGD volumes 
delivered and approximately 90% of margin. Industrial 
customers largely account for the remaining volumes and 
margin. 

PART I

FILING FORMAT

This annual report on Form 10-K is a combined report being 
filed by two separate registrants: Northwest Natural Holding 
Company (NW Holdings), and Northwest Natural Gas 
Company (NW Natural). Except where the content clearly 
indicates otherwise, any reference in the report to "we," "us" 
or "our" is to the consolidated entity of NW Holdings and all 
of its subsidiaries, including NW Natural, which is a distinct 
SEC registrant that is a wholly-owned subsidiary of NW 
Holdings. Each of NW Holdings' subsidiaries is a separate 
legal entity with its own assets and liabilities. Information 
contained herein relating to any individual registrant or its 
subsidiaries is filed by such registrant on its own behalf. 
Each registrant makes representations only as to itself and 
its subsidiaries and makes no other representation 
whatsoever as to any other company.

Part II - Item 8. Financial statements and supplementary 
data in this Annual Report on Form 10-K includes separate 
financial statements (i.e. balance sheets, statements of 
comprehensive income, statements of cash flows, and 
statements of equity) for NW Holdings and NW Natural, in 
that order. References in this discussion to the "Notes" are 
to the Notes to the Consolidated Financial Statements in 
Item 8 of this report. The Notes to the Consolidated 
Financial Statements are presented on a combined basis for 
both entities except where expressly noted otherwise. All 
Items other than Part II - Item 8. are combined for the 
reporting companies.

ITEM 1. BUSINESS

OVERVIEW

On October 1, 2018, we completed a reorganization into a 
holding company structure. We believe that our holding 
company structure is an agile and efficient platform from 
which to pursue, finance, and oversee new opportunities, 
such as in the water sector, while also providing legal 
separation between regulated natural gas distribution 
operations and other businesses. In this reorganization, 
shareholders of NW Natural (the predecessor publicly held 
parent company) became shareholders of NW Holdings, on 
a one-for-one basis, with the same number of shares and 
same ownership percentage as they held in NW Natural 
immediately prior to the reorganization. NW Natural became 
a wholly-owned subsidiary of NW Holdings.  Additionally, 
certain subsidiaries of NW Natural were transferred to NW 
Holdings. As required under accounting guidance, these 
subsidiaries are presented as discontinued operations in the 
consolidated results of NW Natural within this report.

NW Holdings is a holding company headquartered in 
Portland, Oregon and owns NW Natural, NW Natural Water 
Company (NW Water), and other businesses and activities. 
NW Natural is NW Holdings’ largest subsidiary. 

NW Natural distributes natural gas to residential, 
commercial, and industrial customers in Oregon and 
southwest Washington. NW Natural and its predecessors 
have supplied gas service to the public since 1859, was 

5

The following table presents summary meter information for 
the NGD segment as of December 31, 2018:

For residential and small to mid-size commercial customers, 
the NGD business competes primarily with providers of 
electricity, fuel oil, and propane.

Residential

Commercial

Industrial

Other

Total

Number of
Meters

% of
Volumes

% of 
Margin (1)

680,134

69,259

1,028

N/A

37%

22%

41%

N/A

65%

27%

8%

—%

750,421

100%

100%

(1)   NGD margin is also affected by other items, including 

miscellaneous services, gains or losses from our gas cost 
incentive 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 NGD 
business. Industrial customers also purchase transportation 
services, but may buy the gas commodity either from NW 
Natural or directly from a third-party gas marketer or 
supplier. Gas commodity cost is primarily a pass-through 
cost to customers; therefore, profit margins are not 
materially affected by an industrial customer's decision to 
purchase gas from NW Natural 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, 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 was in 
approximately 63% of single-family residential homes in NW 
Natural's service territory in 2018. Customer growth in our 
region comes mainly from the following sources: single-
family housing, both new construction and conversions; 
multifamily housing new construction; and commercial 
buildings, both new construction and conversions. Single-
family new construction has consistently been our strongest 
performing source of growth. Continued customer growth is 
closely tied to the comparative price of natural gas to 
electricity and fuel oil and the economic health of Portland, 
Oregon and Vancouver, Washington. We believe there is 
potential for continued growth as natural gas is a preferred 
energy source due to its affordable, reliable, and clean 
qualities. 

Competitive Conditions
In its service areas, the NGD business has no direct 
competition from other natural gas distributors. However, it  
competes with other forms of energy in each customer 
class. This competition among energy suppliers is based on 
price, efficiency, reliability, performance, preference, market 
conditions, technology, federal, state, and local energy 
policy, and environmental impacts. 

6

In the industrial and large commercial markets, the NGD 
business competes with all forms of energy, including 
competition from wholesale natural gas marketers. In 
addition, large industrial customers could bypass NW 
Natural's natural gas distribution system by installing their 
own direct pipeline connection to the interstate pipeline 
system. NW Natural has designed custom transportation 
service agreements with several large industrial customers 
to provide transportation service rates that are competitive 
with the customer’s costs of installing their own pipeline.

Seasonality of Business
The NGD business is seasonal in nature due to higher gas 
usage by residential and commercial customers during the 
cold winter heating months. Other categories of customers 
experience similar seasonality in their usage but to a lesser 
extent.

Regulation and Rates
The NGD business is subject to regulation by the OPUC 
and WUTC. These regulatory agencies authorize rates and 
allow recovery mechanisms to provide 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 NW Natural.

NW Natural files general rate cases and rate tariff requests 
periodically with the OPUC and WUTC to establish 
approved rates, an authorized ROE, an overall rate of return 
on rate base (ROR), an authorized capital structure, and 
other revenue/cost deferral and recovery mechanisms. 

NW Natural is also regulated by the FERC. Under NW 
Natural's Mist interstate storage certificate with FERC, NW 
Natural 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. 

For further discussion on our most recent general rate 
cases, see Part II, Item 7, "Results of Operations—
Regulatory Matters—Regulation and Rates".

Gas Supply
NW Natural 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:
•  Reliability - ensuring gas resource portfolios are 
sufficient to satisfy customer requirements under 
extreme cold weather conditions;

•  Diverse Supply - providing diversity of supply sources;
•  Diverse Contracts - maintaining a variety of contract 

durations, types, and counterparties; and 

•  Cost Management and Recovery - employing prudent 

gas cost management strategies. 

Reliability
The effectiveness of the natural gas distribution system 
ultimately rests on whether reliable service is provided to 
NGD customers. To ensure effectiveness, the NGD 
business has developed a risk-based methodology in which 
it uses a planning standard to serve the highest firm sales 
demand day in any year with 99% certainty. 

The projected maximum design day firm NGD customer 
sendout is approximately 10.0 million therms. Of this total, 
the NGD business is currently capable of meeting about 
56% of requirements with gas from storage located within or 
adjacent to the service territory, while the remaining supply 
requirements would come from gas purchases under firm 
gas purchase contracts and recall agreements. 

To supplement near-term natural gas supplies, NW Natural 
can segment transportation capacity, 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. Since 2014, the NGD business 
has relied on segmentation of firm pipeline transportation 
capacity that flows from Stanfield, Oregon to various points 
south of Molalla, Oregon. 

We believe gas supplies would be sufficient to meet existing 
NGD firm customer demand in the event of maximum 
design day weather conditions.   

The following table shows the sources of supply projected to 
be used to satisfy the design day sendout for the 2018-2019 
winter heating season:

 Therms in millions

Sources of NGD supply:

Firm supply purchases

Mist underground storage (NGD only)

Company-owned LNG storage

Off-system storage contract

Pipeline segmentation capacity

Recall agreements

Peak day citygate deliveries

Therms

Percent

3.4

3.1

1.9

0.5

0.6

0.4

0.1

34%

31%

19%

5%

6%

4%

1%

Total

10.0

100%

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.

NW Natural files a full IRP biennially for Oregon and 
Washington with the OPUC and the WUTC, respectively, 
and files updates between filings. The OPUC acknowledges 
NW Natural's action plan; whereas the WUTC provides 
notice that the IRP has met the requirements of the 

Washington Administrative Code. OPUC acknowledgment 
of the IRP does not constitute ratemaking approval of any 
specific resource acquisition strategy or expenditure. 
However, the Commissioners generally indicate that they 
would give considerable weight in prudence reviews to 
actions consistent with acknowledged plans. The WUTC 
has indicated the IRP process is one factor it will consider in 
a prudence review.  For additional information see Part II, 
Item 7, "Results of Operations—Regulatory Matters".

Diversity of Supply Sources 
NW Natural purchases gas supplies primarily from the 
Alberta and British Columbia provinces of Canada and 
multiple receipt points in the U.S. Rocky Mountains to 
protect against regional supply disruptions and to take 
advantage of price differentials. For 2018, 61% of 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 NGD customer requirements 
for the foreseeable future. NW Natural continues 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. Additionally, the 
extraction of shale gas has increased the availability of gas 
supplies throughout North America for the foreseeable 
future.

NW Natural supplements 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 the 
off-peak months in 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 NGD business supply: 

Maximum
Daily
Deliverability
(therms in
millions)

Designed
Storage
Capacity
(Bcf)

3.1

0.5

0.6

1.3

5.5

10.6

1.1

1.0

0.6

13.3

Gas Storage Facilities

Owned Facility

Mist, Oregon(1)

Contracted Facility

Jackson Prairie, Washington(2)

LNG Facilities

Owned Facilities

Newport, Oregon

Portland, Oregon

Total

(1)   The Mist gas storage facility has a total maximum daily 

deliverability of 5.4 million therms and a total designed storage 
capacity of about 16.0 Bcf, of which 3.1 million therms of daily 
deliverability and 10.6 Bcf of storage capacity are reserved for 
NGD business customers. 

(2)   The storage facility is located near Chehalis, Washington and 
is contracted from Northwest Pipeline, a subsidiary of The 
Williams Companies.

The Mist facility serves NGD segment customers and is also 
used for non-NGD purposes, primarily for contracts with gas 
storage customers, including utilities and third-party 
marketers. Under regulatory agreements with the OPUC 

7

and WUTC, gas storage at Mist can be developed in 
advance of NGD customer needs but is subject to recall 
when needed to serve such customers as their demand 
increases. When storage capacity is recalled for NGD 
purposes it becomes part of the NGD segment. In 2018, the 
NGD business did not recall additional deliverability or 
associated storage capacity to serve customer needs.

In addition, pipeline capacity and supply resources from 
certain NW Natural customers may be recalled if needed to 
meet high demand requirements.

Diverse Contract Durations and Types
NW Natural has a diverse portfolio of short-, medium-, and 
long-term firm gas supply contracts and a variety of contract 
types including firm and interruptible supplies as well as 
supplemental supplies from gas storage facilities. 

The 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 2018, a total of 743 million therms were purchased 
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

28%

27

45

100%

Gas supply contracts are renewed or replaced as they 
expire. During 2018, no individual supplier provided over 
10% of the NGD business gas supply requirements. 

Gas Cost Management
The cost of gas sold to NGD customers primarily consists of 
the following items, which are included in annual PGA rates: 
gas purchases from suppliers; charges from pipeline 
companies to transport gas to our distribution system; gas 
storage costs; gas reserves contracts; and gas commodity 
derivative contracts.

The NGD business employs a number of strategies to 
mitigate the cost of gas sold to customers. The 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);
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 12 for additional information about our gas 
reserves.

• 

• 

NW Natural also contracts with an independent energy 
marketing company to capture opportunities regarding 
storage and pipeline capacity when those assets are not 
serving the needs of NGD business customers. Asset 
management activities provide opportunities for cost of gas 
savings for customers and incremental revenues for NW 
Natural through regulatory incentive-sharing mechanisms. 
These activities, net of the amount shared, are included in 
other for segment reporting purposes.

Gas Cost Recovery
Mechanisms for gas cost recovery are designed to be fair 
and reasonable, with an appropriate balance between the 
interests of customers and NW Natural. In general, natural 
gas distribution rates are designed to recover the costs of, 
but not to earn a return on, the gas commodity sold. Risks 
associated with gas cost recovery are minimized 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" and "Results of 
Operations—Business Segments—Natural Gas Distribution 
Operations—Cost of Gas."

Transportation of Gas Supplies
NW Natural's gas distribution system is reliant on a single, 
bi-directional interstate transmission pipeline to bring gas 
supplies into the natural gas distribution system. Although 
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. 

NW Natural incurs monthly demand charges related to firm 
pipeline transportation contracts. These contracts are multi-
year contracts with expirations ranging from 2019 to 2060. 
The largest pipeline agreements are with Northwest 
Pipeline. NW Natural actively works with Northwest Pipeline 
and others to renew contracts in advance of expiration to 
ensure gas transportation capacity is sufficient to meet 
customer 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, the service territory is dependent on a 
single pipeline for its natural gas supply. In October 2018, a 
critical natural gas pipeline in western Canada experienced 
a rupture and gas supply to the Pacific Northwest was 
disrupted. NW Natural was able to serve firm NGD business 
customers during the incident with natural gas from the Mist 
storage facility and realignment of other supplies. Pipeline 
disruptions, replacement projects, and long-term projected 
natural gas demand in our region underscore the need for 
pipeline transportation diversity. In addition, there are 
potential industrial projects in the region, which could 
increase the demand for natural gas and the need for 
additional pipeline capacity and diversity. 

8

Currently, there are various interstate pipeline projects 
proposed, including the Trail West pipeline in which NW 
Holdings has an interest, that could meet the forecasted 
demand growth for NW Natural and the region. However, 
the location of any future pipeline project will likely depend 
on the location of committed industrial projects. NW 
Holdings and NW Natural will continue to evaluate and 
closely monitor the currently prospected projects to 
determine the best option for our customers. NW Holdings 
has an equity investment in Trail West Holdings, LLC 
(TWH), which is developing plans to build the Trail West 
pipeline. This pipeline would connect TransCanada 
Pipelines Limited’s (TransCanada) Gas Transmission 
Northwest (GTN) interstate transmission line to NW 
Natural's natural 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. 

Gas Distribution
The primary goals of gas distribution operations are safety 
and reliability of the system, which entails building and 
maintaining a safe pipeline distribution system. 

Safety and the protection of employees, customers, and the 
public at large are, and will remain, top priorities. NW 
Natural constructs, operates, and maintains the pipeline 
distribution system and storage operations with the goal of 
ensuring natural gas is delivered and stored safely, reliably, 
and efficiently. 

NW Natural has one of the most modern distribution 
systems in the country with no identified cast iron pipe or 
bare steel main. The final known bare steel was removed 
from the system in 2015 and cast iron pipe removal was 
completed in 2000. Since the 1980s, NW Natural has taken 
a proactive approach to replacement programs and 
partnered with the OPUC and WUTC on progressive 
regulation to further safety and reliability efforts for the 
distribution system. In the past, NW Natural had a cost 
recovery program in Oregon that encompassed programs 
for bare steel replacement, transmission pipeline integrity 
management, and distribution pipeline integrity 
management as appropriate. For discussion on current 
regulatory programs, see Part II, Item 7, "Results of 
Operations—Regulatory Matters". 

Natural gas distribution businesses will continue to be 
subject to greater federal and state regulation in the future 
due to pipeline incidents involving other companies. 
Additional operating and safety regulations from the U.S. 
Department of Transportation’s Pipeline and Hazardous 
Materials Safety Administration (PHMSA) are currently 
under development. In 2016, PHMSA issued proposed 
regulations to update safety requirements for natural gas 
transmission pipelines. Final regulations are anticipated to 
be issued in 2019. Current proposed regulations indicate a 
15-year timeline for implementation of compliance 
requirements. NW Natural will continue to work diligently 
with industry associations as well as federal and state 
regulators to ensure the safety of the system and 
compliance with new laws and regulations. The costs 
associated with compliance with federal, state, and local 
rules are expected to be recovered in rates.

9

North Mist Gas Storage Expansion Project
In Oregon, there is a need to integrate intermittent 
resources, such as wind and solar, into the power system 
with policymakers committing to the elimination of coal-fired 
electric generation and moving toward a 50% renewable 
electricity standard by 2040. Flexible natural gas-fired 
electric generation facilities and associated gas storage are 
necessary to support the integration of renewable 
resources. In 2016, NW Natural began expanding its gas 
storage facility near Mist, Oregon to provide innovative long-
term, no-notice underground gas storage service to support 
gas-fired electric generating facilities that are intended to 
facilitate the integration of more wind power into the region's 
electric generation mix. Natural gas storage enables 
generation to adjust quickly when renewable energy, such 
as wind and solar, rises and falls. 

This expansion project will be dedicated solely to Portland 
General Electric (Portland General), a local electric 
company, to support their gas-fired electric power 
generation facilities under an initial 30-year contract with 
options to extend, totaling up to an additional 50 years upon 
mutual agreement of the parties. 

The expansion project includes 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, no-notice service that can be drawn on rapidly, and 
a 13-mile pipeline to connect to Portland General's gas 
plants at Port Westward. The expansion project is 
considered part of the NGD segment and has an estimated 
cost of approximately $149 million, with a targeted in-service 
date during the spring of 2019. See additional discussion in 
Part II, Item 7 "Financial Condition—Cash Flows—Investing 
Activities". 

When the expansion is placed into service, the investment 
will be included in rate base under an established tariff 
schedule already approved by the OPUC, with revenues 
recognized consistent with the schedule. Billing rates will be 
updated annually to the current depreciable asset level and 
forecasted operating expenses. 

While there are additional expansion opportunities in the 
Mist storage field, further development is not contemplated 
at this time and any expansion would be based on market 
demand, project execution, cost effectiveness, available 
financing, receipt of future permits, and other rights.

OTHER 

Certain businesses and activities of NW Holdings and NW 
Natural are aggregated and reported as other for segment 
reporting purposes. These include the following businesses 
and activities aggregated and reported as other under NW 
Holdings:
•  water businesses and water acquisition activities;
• 

an equity method investment in TWH, a joint venture to 
build and operate a gas transmission pipeline in 
Oregon. TWH is owned 50% by NWN Energy, a wholly-
owned subsidiary of NW Holdings, and 50% by 
TransCanada American Investments Ltd., an indirect 
wholly-owned subsidiary of TransCanada Corporation;

• 

• 

a minority interest in the Kelso-Beaver Pipeline held by 
our wholly-owned subsidiary NNG Financial 
Corporation (NNG Financial); and 
holding company and corporate activities as well as 
adjustments made in consolidation. 

Additionally, the following businesses and activities are 
aggregated and reported as other under NW Natural, a 
wholly owned subsidiary of NW Holdings: 
• 

5.4 Bcf of the Mist gas storage facility contracted to 
utilities and third-party marketers;
natural gas asset management activities; and
appliance retail center operations.

• 
• 

WATER. During 2018, NW Water completed the purchase of 
four privately-owned regulated water utilities serving 
approximately 22,000 people through 7,400 connections in 
the Pacific Northwest. Several additional acquisition 
agreements for privately-owned water utilities have been 
signed, the largest of which is a water and wastewater 
business in Sunriver, Oregon serving 9,400 connections. 
These pending transactions are subject to public utility 
commission approvals and are expected to close during 
2019.

MIST GAS STORAGE. The Mist gas storage facility began 
operations in 1989. It is a 16 Bcf facility with 10.6 Bcf used 
to provide gas storage for the NGD business. The remaining 
5.4 Bcf of the facility is contracted with other utilities and 
third-party marketers with these results reported in other. 

The overall facility 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. The capacity at Mist serving 
other utilities and third-party marketers provides multi-cycle 
gas storage services to customers in the interstate and 
intrastate markets. The interstate storage services are 
offered under a limited jurisdiction blanket certificate issued 
by FERC. Under NW Natural's interstate storage certificate 
with FERC, NW Natural 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. Intrastate firm storage services in 
Oregon are offered under an OPUC-approved rate schedule 
as an optional service to certain eligible customers. Gas 
storage revenues from the 5.4 Bcf are derived primarily from 
firm service customers who provide energy-related services, 
including natural gas distribution, electric generation, and 
energy marketing. The Mist facility benefits from limited 
competition as there are few storage facilities in the Pacific 
Northwest region. Therefore, NW Natural is able to acquire 
high value, multi-year contracts.

ASSET MANAGEMENT ACTIVITES. NW Natural contracts 
with an independent energy marketing company to provide 
asset management services, primarily through the use of 
natural gas commodity exchange agreements and natural 
gas pipeline capacity release transactions. The results of 
these activities are included in other, except for the asset 
management revenues allocated to NGD business 
customers pursuant to regulatory agreements, which are 
reported in the NGD segment. 

ENVIRONMENTAL MATTERS

Properties and Facilities  
NW Natural owns, 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 time frame 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;
variations between the estimated and actual period of 
time that must be dedicated to respond to an 
environmentally-contaminated site; and 
the application of environmental laws that impose joint 
and several liabilities on all potentially responsible 
parties. 

• 

• 

• 
• 
• 

• 

NW Natural has received recovery of a portion of such 
environmental costs through insurance proceeds, seeks the 
remainder of such costs through customer rates, and 
believes recovery of these costs is probable. In Oregon, NW 
Natural has a mechanism to recover expenses, subject to 
an earnings test and allocation rules. See Part II, Item 7, 
"Results of Operations—Rate Matters—Rate Mechanisms—
Environmental Costs", Note 2, and Note 17.

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

Current federal rules require the reporting of greenhouse 
gas emissions. In September 2009, the Environmental 
Protection Agency (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. NW Natural began reporting 
emission information in 2011. Under this reporting rule, local 
natural gas distribution companies like NW Natural are 
required to report system throughput to the EPA on an 
annual basis. The EPA also has required additional 
greenhouse gas reporting regulations to which NW Natural 
is subject, requiring the annual reporting of fugitive 
emissions from operations.

10

 
The Oregon and Washington legislatures and governors 
continue to consider various greenhouse gas reduction 
proposals and initiatives. For example, the Oregon 
legislature will be considering a cap and trade bill during the 
2019 legislative session that could create a declining cap on 
greenhouse gas emissions emitted by a wide variety of 
emission sources, including electric and natural gas utilities, 
and would require those entities with a compliance 
obligation to hold permits, or allowances, to emit 
greenhouse gas emissions on a per ton basis. While there is 
uncertainty regarding the extent of the legislation, potential 
compliance costs, and cost sharing impacts of these and 
other similar proposals, NW Natural currently expects to be 
able to recover compliance costs associated with this type 
of legislation in rates.

The state of Washington's Department of Ecology (DOE) 
enacted the Clean Air Rule (CAR) in 2016, which capped 
the maximum greenhouse gas emissions allowed from 
stationary sources, such as natural gas utilities. For gas 
distribution utilities, the production of emissions from usage 
by their customers was considered to be production of 
emissions attributable to the utility. In December 2017, a 
Washington State Court ruled that the DOE lacked 
legislative authority to regulate non-emitting sources, such 
as local distribution companies. The DOE has appealed the 
ruling and oral arguments for the appeal are expected to 
take place during 2019.

The outcome of these or any additional federal, state or 
local climate change policy developments 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 gases 
could require NW Natural to incur compliance costs 
associated with our customers’ use, resulting in an increase 
in the prices charged to those customers and in a potential 
decline in the demand for natural gas over time. 

With environmental stewardship as one of our core values, 
we continue to take proactive steps to address greenhouse 
gas emissions in our region and the communities we serve. 
We believe NW Natural and its modern pipeline system has 
an important role to play in helping the Pacific Northwest 
move to a low-carbon, renewable-energy future. 

We intend to vigorously pursue our role in a low-carbon 
future, and believe we are positioned to do so. Currently, 
NW Natural delivers more energy in Oregon than any other 
utility, and use of natural gas by our Sales and 
Transportation customers’ accounts for approximately 8% of 
Oregon’s greenhouse gas emissions according to the State 
of Oregon Department of Environmental Quality In-
Boundary GHG Inventory Preliminary 2015 Figures. Sales 
of natural gas to residential and commercial customers - 
customers NW Natural procures gas for - accounts for 
approximately 5% of the state’s emissions. Using this as a 
starting baseline, in 2017, NW Natural initiated a multi-
pronged, multi-year core utility strategy to deliver greater 
emission reductions. Key components of this strategy 
include energy efficiency and the continued adoption of the 
company’s voluntary Smart Energy carbon offset program. 
NW Natural is also actively pursuing the potential to procure 

11

renewable natural gas for our customers, and is engaging in 
longer-term efforts to explore the development of renewable 
hydrogen through power to gas.

EMPLOYEES 

At December 31, 2018, our workforce consisted of the 
following:

NW Natural:
   Unionized Employees(1) 

   Non-Unionized Employees

Total NW Natural

Other Entities:

   Water Company Employees

   Other

Total Other Entities

Total Employees

635

532

1,167

16

15

31

1,198

(1)  Members of the Office and Professional Employees 
International Union (OPEIU) Local No. 11, AFL-CIO.

NW Natural's labor agreement with members of OPEIU 
covers wages, benefits, and working conditions. On May 22, 
2014, NW Natural's unionized employees ratified a 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. 

Certain subsidiaries may receive services from employees 
of other subsidiaries. When such services involve regulated 
entities, those entities receiving services reimburse the 
entity providing services pursuant to shared services 
agreements.

EXECUTIVE OFFICERS OF THE REGISTRANTS

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

AVAILABLE INFORMATION

NW Holdings and NW Natural file annual, quarterly and 
current reports and other information with the Securities and 
Exchange Commission (SEC). The SEC maintains an 
Internet site where reports, proxy statements, and other 
information filed can be read, copied, and requested online 
at its website (www.sec.gov). In addition, we make 
available, free of charge, on our website 
(www.nwnaturalholdings.com), our annual reports 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 included our 
website address as an inactive textual reference only. 
Information contained on our website is not incorporated by 
reference into this annual report on Form 10-K.

NW Holdings and NW Natural have adopted a Code of 
Ethics for all employees, officers, and directors that is 
available on our website. We intend to disclose revisions 
and amendments to, and any waivers from, the Code of 
Ethics for officers and directors 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 NW Holdings 
and NW Natural 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.

12

ITEM 1A. RISK FACTORS

NW Holdings’ and NW Natural’s business and financial 
results are subject to a number of risks and uncertainties, 
many of which are not within our control, which could 
adversely affect our business, financial condition, and 
results of operations. Additional risks and uncertainties that 
are not currently known to us or that are not currently 
believed by us to be material may also harm our 
businesses, financial condition, and results of operations. 
When considering any investment in NW Holdings’ or NW 
Natural’s securities, investors should carefully consider the 
following information, as well as information contained in the 
caption "Forward-Looking Statements", Item 7A, and our 
other documents filed 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 businesses does not mean that such risk factor is 
inapplicable to our other businesses.

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

The OPUC and WUTC have general regulatory authority 
over NW Natural’s gas and NW Holdings’ water utility 
businesses 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 our regulated utility companies, like NW 
Natural, may issue; services our regulated utility companies 
provide and the manner in which they provide them; the 
nature of investments our utility companies make; and, 
deferral and recovery of various expenses, including, but not 
limited to, pipeline replacement, environmental remediation 
costs, commodity hedging expense, transactions with 
affiliated interests, certain employee benefit expenses such 
as pension, weather adjustment mechanisms, and other 
matters. The OPUC and WUTC also regulate actions 
investors may take with respect to our utility companies, NW 
Natural and NW Holdings. Similarly, FERC has regulatory 
authority over NW Natural’s interstate storage services, and 
the CPUC has regulatory authority over NW Holdings’ Gill 
Ranch storage operations. Additionally, expansion of our 
businesses, including into water or other sectors, could 
result in regulation by other regulatory authorities. For 
example, NW Holdings’ has acquired a water utility business 
in Idaho that is correspondingly subject to regulatory 
authority of the IPUC. 

The prices the OPUC, WUTC, IPUC, and possible future 
regulators 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 both NW 
Natural’s and NW Holdings’ financial position, results of 
operations and liquidity. The OPUC, WUTC, IPUC and 

13

possible future regulators have the authority to disallow 
recovery of costs they find imprudently incurred or otherwise 
disallowed. Additionally, the rates allowed may be 
insufficient for recovery of costs incurred. We expect to 
continue to make expenditures to expand, improve and 
operate our gas and water 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, WUTC 
and IPUC have established an authorized rate of return for 
our utility businesses through the ratemaking process, the 
regulatory process does not provide assurance that we will 
be able to achieve the earnings level authorized. 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 NW 
Holdings’ or NW Natural’s financial condition and results of 
operations.

As companies with regulated utility businesses, we 
frequently have dockets open with our regulators. The 
regulatory proceedings for these dockets 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 NW 
Holdings’ and NW Natural’s results of operations and 
financial condition.

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

NW Natural owns, or previously owned, properties that 
require environmental remediation or other action. NW 
Holdings or NW Natural may now, or in the future, own other 
properties that require environmental remediation or other 
action. NW Natural and  NW Holdings accrue all material 
loss contingencies relating to these properties. A regulatory 
asset at NW Natural has been recorded for estimated costs 
pursuant to a Deferral Order from the OPUC and WUTC. In 
addition to maintaining regulatory deferrals, NW Natural 
settled with most of its historical liability insurers for only a 
portion of the costs it has incurred to date and expects to 
incur in the future. To the extent amounts NW Natural 
recovered from insurance are inadequate and it is unable to 
recover these deferred costs in utility customer rates, NW 
Natural would be required to reduce its regulatory assets 
which would result in a charge to earnings in the year in 
which regulatory assets are reduced. In addition, in Oregon, 
the OPUC approved the SRRM, which limits recovery of 
deferred amounts to those amounts which satisfy an annual 
prudence review and an earnings test that requires NW 
Natural to contribute additional amounts toward 
environmental remediation costs above approximately $10 
million in years in which NW Natural earns above its 

authorized ROE. To the extent NW Natural earns more than 
its authorized ROE in a year, it would be required to cover 
environmental expenses greater than the $10 million with 
those earnings that exceed its authorized ROE. The OPUC 
ordered a review of the SRRM in 2018 or when we obtain 
greater certainty of environmental costs, whichever occurs 
first. We submitted information for review in 2018, and 
believe we could be subject to further review. These 
ongoing prudence reviews, the earnings test, or the periodic 
review could reduce the amounts NW Natural is allowed to 
recover, and could adversely affect NW Holdings’ or NW 
Natural’s financial condition, results of operations and cash 
flows. 

Moreover, we may have disputes with regulators and other 
parties as to the severity of particular environmental 
matters, what remediation efforts are appropriate, and the 
portion of the costs NW Natural or NW Holdings should 
bear. We cannot predict with certainty the amount or timing 
of future expenditures related to environmental 
investigations, remediation or other action, the portions of 
these costs allocable to NW Natural or NW Holdings, or 
disputes or litigation arising in relation thereto.

Environmental liability estimates are based on current 
remediation technology, industry experience gained at 
similar sites, an assessment of probable level of 
responsibility, and the 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 
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 NW Holdings’ or NW Natural’s  financial condition, 
results of operations and cash flows.

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

NW Holdings and NW Natural 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. For example, our natural gas 
operations are subject to reporting requirements to the EPA 
and the ODEQ regarding greenhouse gas emissions. These 
and other current and future additional environmental 
regulations could result in increased compliance costs or 
additional operating restrictions, which may or may not be 
recoverable in customer rates or through insurance. If these 
costs are not recoverable, they could have an adverse effect 
on NW Holdings’ or NW Natural’s financial condition and 
results of operations.

14

GLOBAL CLIMATE CHANGE RISK. Future legislation, 
regulation or other initiatives (including ballot initiatives) to 
address global climate change may expose NW Holdings 
and NW Natural to regulatory and financial risk. Additionally, 
our businesses may be subject to physical risks associated 
with climate change, all of which could adversely affect NW 
Holdings’ or NW Natural’s 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 climate change, including 
greenhouse gas emissions such as carbon dioxide and 
methane. For example, there are current legislative efforts in 
Oregon, Washington, and other states in which we operate 
to cap or otherwise restrict the maximum GHGs an entity 
may emit without reduction efforts or other undertakings. 
Such current or future legislation, regulation or other 
initiatives (including ballot initiatives) could impose on our 
natural gas businesses 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 
services or products negatively, diminishing the value of our 
brand, all of which could adversely affect NW Holdings’ or 
NW Natural’s business practices, financial condition and 
results of operations.

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 and affecting 
our natural gas businesses’ ability to procure gas to meet 
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. Similar disruptions could occur 
in NW Holdings’ water utility businesses.  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 NW Holdings’ or NW Natural’s financial 
condition, results of operations, and cash flows.

STRATEGIC TRANSACTION RISK. NW Holdings’ and NW 
Natural’s ability to successfully complete strategic 
transactions, including merger, acquisition, divestiture, joint 
venture, business development projects or other strategic 
transactions is subject to significant risks, including the risk 
that required regulatory or governmental approvals may not 
be obtained, risks relating to unknown problems or liabilities 
or problems or liabilities undisclosed to us, and the risk that 
for these or other reasons, we may be unable to achieve 
some or all of the benefits that we anticipate from such 
transactions, which could adversely affect NW Holdings’ or 
NW Natural’s financial condition, results of operations, and 
cash flows.

From time to time, NW Holdings and NW Natural have 
pursued and may continue to pursue strategic transactions 
including merger, acquisition, divestiture, joint venture, 
business development projects or other strategic 
transactions, including the entry by NW Holdings into the 
water sector through the acquisition of a number of water 
utilities and a water services company, with NW Holdings’ 
continuing to seek other such opportunities to acquire 
additional water companies. Any such transactions involve 
substantial risks, including the following:

• 

• 

• 

• 

• 

purchase or sale transactions that are contracted 
for may fail to close for a variety of reasons;
acquired businesses or assets may not produce 
revenues, earnings or cash flow at anticipated 
levels;
acquired businesses or assets could have, 
environmental, permitting, or other problems for 
which contractual protections prove inadequate;
there may be difficulties in integration or operation 
costs of new businesses;
there may be liabilities that were not disclosed to 
us, that exceed our estimates, or for which our 
rights to indemnification from the seller are limited;

•  we may be unable to obtain the necessary 

regulatory or governmental approvals to close a 
transaction, such approvals may be granted 
subject to terms that are unacceptable to us, or we 
may be unable to achieve anticipated regulatory 
treatment of any such transaction, or such benefits 
may be delayed or not occur at all; or

•  we may agree to sell assets for a price that is less 

than the book value of those assets.

One of more of these conditions could affect NW Holdings’ 
and NW Natural’s financial condition, results of operations, 
and cash flows.

BUSINESS DEVELOPMENT RISK. NW Holdings’ and NW 
Natural’s business development projects may encounter 
unanticipated obstacles, costs, changes or delays that could 
result in a project becoming impaired, which could 
negatively impact NW Holdings’ or NW Natural’s  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, NW Holdings’ early 
planning and development stages for a regional pipeline in 
Oregon, and NW Natural’s expansion of its gas storage 
facility at Mist. We may also engage in other business 

development projects such as investments in additional 
long-term gas reserves, CNG refueling stations, RNG 
projects, or projects in the water sector. 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 issues such as: startup and 
construction delays; construction cost overruns; disputes 
with contractors; the 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 NW Holdings’ or NW Natural’s 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 NW Holdings’ or NW 
Natural’s financial condition, results of operations and cash 
flows.

We use joint ventures and other business arrangements to 
manage and diversify the risks of certain development 
projects, including NW Holdings’ Trail West pipeline and Gill 
Ranch Facility and NW Natural’s gas reserves agreements.  
NW Holdings or NW Natural may acquire or develop part-
ownership interests in other projects in the future, including 
but not limited to, in the water sector. 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 negatively 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, in January 2019, Pacific Gas & Electric Company, 
which owns the remaining 25 percent of the Gill Ranch 
Facility (75 percent of which is owned by NW Holdings), 
filed for bankruptcy protection.  While NW Holdings will 
monitor that bankruptcy proceeding, and take appropriate 
actions in an attempt to protect its interests, it does not 
control, and cannot predict, the outcome of such 
proceedings and the impact, if any, of the proceeding on the 
operations of Gill Ranch or the planned sale by NW 
Holdings’ of its interest in Gill Ranch.

NW Natural’s gas reserves arrangements, which operate as 
a hedge backed by physical gas supplies, involve a number 
of risks, including: gas production that is significantly less 
than the expected volumes, or no gas volumes; operating 
costs that are higher than expected; changes in the 
consolidated tax position or tax laws that could affect NW 
Natural’s ability to take, or the timing of, certain tax benefits 
that impact the financial outcome of this transaction; 
inherent risks of gas production, including disruption to 

15

 
 
operations or a complete shut-in of the field; and one or 
more participants in one of these gas reserves 
arrangements acting contrary to NW Natural’s interests. In 
addition, while the cost of the original gas reserves venture 
is currently included in customer rates and additional wells 
under that arrangement are recovered at specific costs, the 
occurrence of one or more of these risks could affect NW 
Natural’s ability to recover this hedge in rates. Further, new 
gas reserves arrangements have not been approved for 
inclusion in rates, and regulators may ultimately determine 
to not include all or a portion of future transactions in rates.  
The realization of any of the above mentioned situations 
could adversely impact NW Holdings’ or NW Natural’s 
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 NW Holdings’ or NW Natural’s financial 
condition, results of operations and cash flows.

NW Holdings and NW Natural are subject to all of the risks 
and hazards inherent in the businesses of gas distribution 
and storage, and water distribution, including:
• 

earthquakes, floods, storms, landslides and other  
severe weather  incidents and natural hazards;
leaks, losses or contamination of natural gas by other 
chemicals or compounds or by or of local water 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, 
facilities, or wells 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;
operating costs that are substantially higher than 
expected;

• 

• 

• 
• 

• 

• 
• 

• 

•  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 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 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 outcomes resulting from such events 
could be significant. Additionally, we may not be able to 
maintain the level or types of insurance we desire, and the 

16

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 NW Holdings’ 
or NW Natural’s financial condition, results of operations 
and cash flows.

BUSINESS CONTINUITY RISK. NW Holdings and NW Natural 
may be adversely impacted by local or national disasters, 
pandemic illness, terrorist activities, cyber-attacks or data 
breaches, and other extreme events to which we may not be 
able to promptly respond, which could adversely affect NW 
Holdings’ or NW Natural’s operations or financial condition.

Local or national disasters, pandemic illness, terrorist 
activities, cyber-attacks and data breaches, and other 
extreme events are a threat to our assets and operations. 
Companies in critical infrastructure industries 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 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 or other necessary commodities that 
could affect our operations. Threatened or actual national 
disasters or terrorist activities may also disrupt capital or 
bank markets and our ability to raise capital or obtain debt 
financing, 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 our operations and earnings. 
We may not be able to maintain 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 NW Holdings’ or NW 
Natural’s operations or financial results.

HOLDING COMPANY DIVIDEND RISK.  As a holding company, 
NW Holdings depends on its operating subsidiaries, 
including NW Natural, to meet financial obligations and the 
ability of NW Holdings to pay dividends on its common stock 
is dependent on the receipt of dividends and other 
payments from its subsidiaries, including NW Natural. 

As a holding company, NW Holdings’ only significant assets 
are the stock and membership interests of its operating 
subsidiaries, which at this time is primarily NW Natural. NW 
Holdings’ direct and indirect subsidiaries are separate and 
distinct legal entities, managed by their own boards of 
directors, and have no obligation to pay any amounts to 
their respective shareholders, whether through dividends, 
loans or other payments. The ability of these companies to 
pay dividends or make other distributions on their common 
stock is subject to, among other things: their results of 
operations, net income, cash flows and financial condition, 
as well as the success of their business strategies and 

general economic and competitive conditions; the prior 
rights of holders of existing and future debt securities and 
any future preferred stock issued by those companies; and 
any applicable legal restrictions.

In addition, the ability of NW Holdings’ subsidiaries to pay 
upstream dividends and make other distributions is subject 
to applicable state law and regulatory restrictions. Under the 
OPUC and WUTC regulatory approvals for the holding 
company formation, if NW Natural ceases to comply with 
credit and capital structure requirements approved by the 
OPUC and WUTC, it will not, with limited exceptions, be 
permitted to pay dividends to NW Holdings. Under the 
OPUC and WUTC orders authorizing the holding company 
reorganization, NW Natural may not pay dividends or make 
distributions to NW Holdings if NW Natural’s credit ratings 
and common equity levels fall below specified ratings and 
levels. If NW Natural’s long-term secured credit ratings are 
below A- for S&P and A3 for Moody’s, dividends may be 
issued so long as NW Natural’s common equity is 45% or 
above. If NW Natural’s long-term secured credit ratings are 
below BBB for S&P and Baa2 for Moody’s, dividends may 
be issued so long as NW Natural’s common equity is 46% 
or above. Dividends may not be issued if NW Natural’s long-
term secured credit ratings fall to BB+ or below for S&P or 
Ba1 or below for Moody’s, or if NW Natural’s common equity 
is below 44%. In each case, with the common equity level to 
be determined on a preceding or projected 13-month basis.

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 NW Holdings’ or NW 
Natural’s financial condition, results of operations and cash 
flows.

Until NW Natural closed the pension plans to new hires, 
which for non-union employees was in 2006 and for union 
employees was in 2009, it provided pension plans and 
postretirement healthcare benefits to eligible full-time utility 
employees and retirees. About half of NW Natural’s current 
utility employees were hired prior to these dates, and 
therefore remain eligible for these plans. Other businesses 
we acquire may also have pension plans. The costs of NW 
Natural, or the other applicable businesses we may acquire, 
for providing such benefits is subject to change in the 
market value of the 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 expenses 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 the pension fund 
assets and liabilities. In these circumstances, NW Natural 
may be required to recognize increased contributions and 
pension expense earlier than it had planned to the extent 
that the value of pension assets is less than the total 

17

anticipated liability under the plans, which could have a 
negative impact on NW Holdings’ and NW Natural’s financial 
condition, results of operations and cash flows.

WORKFORCE RISK. NW Holdings’ and NW Natural’s 
businesses are 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 
NW Holdings’ or NW Natural’s operations and results.

NW Holdings’ and NW Natural’s 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 require that 
we attract, train and retain skilled workers to prevent loss of 
institutional knowledge or skills gaps. Without an 
appropriately skilled workforce, our ability to provide quality 
service and meet our regulatory requirements will be 
challenged and this could negatively impact NW Holding’s 
and NW Natural’s earnings. Additionally, a majority of NW 
Natural workers are represented by the OPEIU Local No.11 
AFL-CIO, and are covered by a collective bargaining 
agreement that extends to November 30, 2019. Disputes 
with the union representing NW Natural employees over 
terms and conditions of their agreement, or failure to timely 
and effectively renegotiate 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 storage facilities, which could strain 
relationships with customers and state regulators and cause 
a loss of revenues. The collective bargaining agreements 
may also limit our flexibility in dealing with NW Natural’s 
workforce, and the 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 NW 
Holdings’ and NW Natural’s financial condition and results of 
operations.

LEGISLATIVE, COMPLIANCE AND TAXING AUTHORITY RISK. 
NW Holdings and NW Natural 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 NW Holdings’ or NW Natural’s 
financial condition and results of operations.

NW Holdings and NW Natural 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. Significant changes in federal, state, or 
local governmental leadership can accelerate or amplify 
changes in existing laws or regulations, or the manner in 
which they are interpreted or enforced. For example, the 
current U.S. presidential administration has made numerous 
leadership changes at federal administrative agencies since 
the 2016 U.S. presidential election. Moreover, the U.S. 
Congress and the U.S. presidential administration may 

make substantial changes to fiscal, tax, regulation and other 
federal policies. The current U.S. presidential administration 
has called for and implemented significant changes to U.S. 
fiscal policies, U.S. trade, healthcare, immigration, foreign, 
and government regulatory policy. To the extent the U.S. 
Congress or U.S. presidential administration implements 
changes to U.S. policy, those changes may impact, among 
other things, the U.S. and global economy, international 
trade and relations, unemployment, immigration, corporate 
taxes, healthcare, the U.S. regulatory environment, inflation 
and other areas. In addition, foreign governments may 
implement changes to their policies, in response to changes 
to U.S. policy or otherwise. Although we cannot predict the 
impact, if any, of these changes to our businesses, they 
could adversely affect NW Holdings’ or NW Natural’s 
financial condition and results of operations. Until we know 
what policy changes are made and how those changes 
impact our businesses and the business of our competitors 
over the long term, we will not know if, overall, we will 
benefit from them or be negatively affected by them.

Though we cannot predict changes in laws, regulations, or 
enforcement, we expect there to continue to be a number of 
significant changes. 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. 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 in excess of $1 
million per day for each violation. In addition, as the 
regulatory environment for our businesses 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 NW Holdings’ or 
NW Natural’s operating environment and results of 
operations. 

Additionally, changes in federal, state or local tax laws and 
their related regulations, or differing interpretations 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 and the inherent difficulty in quantifying potential 
tax effects of business decisions may negatively affect NW 
Holdings’ or NW Natural’s financial condition and results of 
operations.

In this regard, the Tax Cuts and Jobs Act of 2017 was 
approved by the U.S. Congress on December 20, 2017 and 
signed into law by the U.S. President on December 22, 
2017. This legislation makes significant changes to the U.S. 
Internal Revenue Code. Such changes include a reduction 
in the corporate tax rate from 35% to 21% and limitations on 
certain corporate deductions and credits, among other 

18

changes. Certain of these changes may negatively affect 
NW Holdings’ and NW Natural’s financial condition and 
results of operations. 

There is uncertainty as to how our regulators will reflect the 
impact of the legislation in rates. The resulting ratemaking 
treatment may negatively affect NW Holdings’ or NW 
Natural’s financial condition and results of operations.

SAFETY REGULATION RISK. NW Holdings and NW Natural 
may experience increased federal, state and local regulation 
of the safety of our systems and operations, which could 
adversely affect NW Holdings’ or NW Natural’s 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 systems and storage operations to ensure that 
natural gas is acquired, stored and delivered safely, reliably 
and efficiently. Given recent high-profile natural gas 
explosions, leaks and accidents in other parts of the country 
involving both distribution systems and storage facilities, we 
anticipate that the natural gas industry may be the subject of 
even greater federal, state and local regulatory oversight. 
For example, in 2016, the Protecting our Infrastructure of 
Pipelines and Enhancing Safety Act (PIPES Act) was signed 
into law increasing regulations for natural gas storage 
pipelines and underground storage facilities. Similarly, in 
2016, California passed legislation directing the Department 
of Oil, Gas and Geothermal Resources (DOGGR) to 
develop regulations affecting gas storage operations. 
DOGGR has issued regulations which require certain 
integrity testing and tubing for wells at the Gill Ranch Facility 
within the next 7 years.

We intend to work diligently with industry associations and 
federal and state regulators to seek to ensure compliance 
with these and other 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 
NW Holdings’ and NW Natural’s operating costs and 
financial results.

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

NW Natural’s gas purchasing requirements expose it to 
risks of commodity price movements, while its use of debt 
and equity financing exposes it to interest rate, liquidity and 
other financial market risks. NW Natural attempts to manage 
these exposures with both financial and physical hedging 
mechanisms, including its gas reserves transactions which 
are hedges backed by physical gas supplies. While NW 
Natural has risk management procedures for hedging in 
place, they may not always work as planned and cannot 
entirely eliminate the risks associated with hedging. 
Additionally, NW Natural’s hedging activities may cause it to 

 
incur additional expenses to obtain the hedge. NW Natural 
does not hedge its 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 NW 
Natural’s PGA mechanism or are recovered in future 
general rate cases. However, the hedge transactions NW 
Natural enters into for utility purposes 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 NW Holdings’ or NW Natural’s financial condition and 
results of operations. 

In addition, NW Natural’s actual business requirements and 
available resources may vary from forecasts, which are 
used as the basis for its hedging decisions, and could cause 
its exposure to be more or less than anticipated. Moreover, 
if NW Natural’s derivative instruments and hedging 
transactions do not qualify for regulatory deferral and it does 
not elect hedge accounting treatment under U.S. GAAP, NW 
Holdings’ or NW Natural’s results of operations and financial 
condition could be adversely affected.

NW Natural also has credit-related exposure to derivative 
counterparties. Counterparties owing NW Natural or its 
subsidiaries money or physical natural gas commodities 
could breach their obligations. Should the counterparties to 
these arrangements fail to perform, NW Natural may be 
forced to enter into alternative arrangements to meet its 
normal business requirements. In that event, NW Holdings’ 
or NW Natural’s financial results could be adversely 
affected. Additionally, under most of NW Natural’s hedging 
arrangements, any downgrade of its senior unsecured long-
term debt credit rating could allow its counterparties to 
require NW Natural to post cash, a letter of credit or other 
form of collateral, which would expose NW Natural to 
additional costs and may trigger significant increases in 
borrowing from its credit facilities or equity contribution 
needs from NW Holdings, if the credit rating downgrade is 
below investment grade. Further, based on current 
interpretations, NW Natural is not considered a "swap 
dealer" or "major swap participant" in 2019, so NW Natural 
is exempt from certain requirements under the Dodd-Frank 
Act. If NW Natural is unable to claim this exemption, it could 
be subject to higher costs for its derivatives activities, and 
such higher costs could have a negative impact on NW 
Holdings’ and NW Natural’s operating costs and financial 
results. 

INABILITY TO ACCESS CAPITAL MARKET RISK. NW Holdings’ 
or NW Natural’s inability to access capital, or significant 
increases in the cost of capital, could adversely affect NW 
Holdings’ or NW Natural’s financial condition and results of 
operations.

NW Holdings’ and NW Natural’s ability to obtain adequate 
and cost effective short-term and long-term financing 
depends on maintaining investment grade credit profiles as 
well as the existence of liquid and stable financial markets. 
NW Holdings relies on access to equity and bank markets to 
finance equity contributions to subsidiaries and other 
business requirements. NW Natural relies on access to 
capital and bank markets, including commercial paper and 
bond markets, to finance its operations, construction 

19

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 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 NW Holdings’ and NW Natural’s 
access to capital and negatively impact our ability to run our 
businesses and make strategic investments.

NW Natural is currently rated by S&P and Moody’s and a 
negative change in its credit ratings, particularly below 
investment grade, could adversely affect its cost of 
borrowing and access to sources of liquidity and capital. 

Such a downgrade could further limit its access to borrowing 
under available credit lines. Additionally, downgrades in its 
current credit ratings below investment grade could cause 
additional delays in NW Natural's ability to access the 
capital markets while it seeks supplemental state regulatory 
approval, which could hamper its ability to access credit 
markets on a timely basis. NW Holdings' credit profile is 
largely supported by NW Natural’s credit ratings and any 
negative change in NW Natural’s credit ratings would likely 
negatively impact NW Holdings’ access to sources of 
liquidity and capital and cost of borrowing. A credit 
downgrade to NW Natural, or resulting negative impact on 
NW Holdings, could also require additional support in the 
form of letters of credit, cash or other forms of collateral and 
otherwise adversely affect NW Holdings' or NW Natural’s 
financial condition and results of operations.

REPUTATIONAL RISKS. Customers', legislators', and 
regulators' opinions of NW Holdings and NW Natural are 
affected by many factors, including system reliability and 
safety, protection of customer information, rates, media 
coverage, and public sentiment. To the extent that 
customers, legislators, or regulators have or develop a 
negative opinion of our businesses, NW Holdings’ and NW 
Natural’s financial positions, results of operations and cash 
flows could be adversely affected. 

A number of factors can affect customer satisfaction 
including: service interruptions or safety concerns due to 
failures of equipment or facilities or from other causes, and 
our ability to promptly respond to such failures; our ability to 
safeguard sensitive customer information; the timing and 
magnitude of rate increases; and volatility of rates. 
Customers', legislators', and regulators' opinions of us can 
also be affected by media coverage, including the 
proliferation of social media, which may include information, 
whether factual or not, that damages our brand and 
reputation.

If customers, legislators, or regulators have or develop a 
negative opinion of us and our services, this could result in 
increased regulatory oversight and could affect the returns 
on common equity we are allowed to earn. Additionally, 

negative opinions about us could make it more difficult for 
us to achieve favorable legislative or regulatory outcomes. 
Negative opinions could also result in sales volumes 
reductions or increased use of other sources of energy. Any 
of these consequences could adversely affect NW Holdings’ 
or NW Natural’s financial position, results of operations and 
cash flows. 

RELIANCE ON TECHNOLOGY RISK. NW Holdings’ and NW 
Natural’s efforts to integrate, consolidate and streamline 
each of their operations has resulted in increased reliance 
on technology, the failure or security breach of which could 
adversely affect NW Holdings’ or NW Natural’s financial 
condition and results of operations.

Over the last several years NW Holdings and NW Natural 
have undertaken a variety of initiatives to integrate, 
standardize, centralize and streamline operations. These 
efforts have resulted in greater reliance on technological 
tools such as, at NW Natural: 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 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 businesses 
could experience breaches of security pertaining to sensitive 
customer, employee, and vendor information maintained by 
us in the normal course of business, which could adversely 
affect our 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 NW Holdings’ or NW Natural’s 
financial condition and results of operations.

Furthermore, we rely on information technology systems in 
the operation of our businesses. 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, data breaches, 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.

REGULATORY ACCOUNTING RISK. In the future, NW 
Holdings or NW Natural may no longer meet the criteria for 
continued application of regulatory accounting practices for 
all or a portion of our regulated operations.

If we can no longer apply regulatory accounting, we could 
be required to write off our regulatory assets and precluded 
from the future deferral of costs not recovered through rates 
at the time such amounts are incurred, even if we are 
expected to recover these amounts from customers in the 
future. 

GAS PRICE RISK. Higher natural gas commodity prices and 
volatility in the price of gas may adversely affect NW 
Natural’s NGD business, whereas lower gas price volatility 
may adversely affect NW Natural’s and NW Holdings’ gas 
storage business, in each case negatively affecting NW 
Holdings’ and NW Natural’s 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. At NW Natural, the cost we pay for natural 
gas is generally passed through to customers through an 
annual PGA rate adjustment. If gas prices were to increase 
significantly, it would raise the cost of energy to NW 
Natural’s 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 
energy sources. Decreases in the volume of gas NW 
Natural sells could reduce NW Holdings or NW Natural’s 
earnings, and a decline in customers could slow growth in 
future earnings. Additionally, because a portion (10% or 
20%) of any 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 NW Holdings’ and NW Natural’s operating cash flows, 
liquidity and results of operations. Additionally, 
notwithstanding NW Natural’s current rate structure, higher 
gas costs could result in increased pressure on the OPUC 
or the WUTC to seek other means to reduce NW Natural’s 
rates, which also could adversely affect NW Holdings’ and 
NW Natural’s results of operations and cash flows.

Higher gas prices may also cause NW Natural to experience 
an increase in short-term debt and temporarily reduce 
liquidity because it pays 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 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.

Conversely, storage businesses benefit from price volatility, 
which impacts the level of demand for services and the 
rates that can be charged for storage services. 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 

20

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 a 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 NW Holdings’ or NW 
Natural’s financial condition, results of operations and cash 
flows.

IMPAIRMENT OF LONG-LIVED ASSETS OR GOODWILL RISK. 
Impairments of the value of long-lived assets or goodwill 
could have a material effect on NW Holdings’ or NW 
Natural’s financial condition, or results of operations.

NW Holdings and NW Natural review the carrying value of 
long-lived assets whenever events or changes in 
circumstances indicate the carrying amount of the assets 
might not be recoverable. The determination of 
recoverability is based on the undiscounted net cash flows 
expected to result from the operation of such assets. 
Projected cash flows depend on the future operating costs 
and projected revenues associated with the asset. In 2017, 
NW Natural recognized a $192.5 million impairment of long-
lived assets at the Gill Ranch Facility as of December 31, 
2017. We review our other long-lived assets to determine if 
an impairment analysis is necessary. 

We review the carrying value of goodwill annually or 
whenever events or changes in circumstances indicate that 
such carrying value may not be recoverable.  A goodwill 
impairment analysis begins with a qualitative analysis of 
events and circumstances.  If the qualitative assessment 
indicates that the carrying value may be at risk, we will 
perform a quantitative assessment and recognize a goodwill 
impairment for any amount in which the fair value of a 
reporting unit exceeds its fair value.  Any impairment charge 
taken with respect to our long-lived assets or goodwill could 
be material and could have a material effect on NW 
Holdings’ or NW Natural’s financial condition and results of 
operations.

CUSTOMER GROWTH RISK. NW Holdings’ and NW Natural’s 
NGD margin, earnings and cash flow may be negatively 
affected if we are unable to sustain customer growth rates in 
our NGD segment.

NW Natural’s NGD margins and earnings growth have 
largely depended upon the sustained growth of its 
residential and commercial customer base due, in part, to 
the new construction housing market, conversions of 
customers to natural gas from other energy sources and 
growing commercial use of natural gas. The last recession 
slowed new construction. While new home construction has 
resumed and the multi-family composition has been higher 
than its pre-recession pace, overall construction has not 
returned to the pre-recession pace, and there are 
predictions of an impending new recessionary cycle. 
Insufficient growth in these markets, for economic, political 
or other reasons could adversely affect NW Holdings’ or NW 
Natural’s utility margin, earnings and cash flows.

RISK OF COMPETITION. Our NGD business is subject to 
increased competition which could negatively affect NW 
Holdings’ or NW Natural’s results of operations.

21

In the residential and commercial markets, NW Natural’s 
NGD business competes primarily with suppliers of 
electricity, fuel oil, and propane. In the industrial market, NW 
Natural competes 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, batteries or other alternative technologies 
could erode NW Natural’s 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, it 
may negatively affect NW Natural’s 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 NW Holdings’ and NW 
Natural’s results of operations.

Our natural gas storage operations compete 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 NW Holdings’ and NW Natural’s financial condition, 
results of operations and cash flows.

RELIANCE ON THIRD PARTIES TO SUPPLY NATURAL GAS 
RISK. NW Natural relies on third parties to supply the natural 
gas in its NGD segment, and limitations on NW Natural’s 
ability to obtain supplies, or failure to receive expected 
supplies for which it has contracted, could have an adverse 
impact on NW Holdings’ or NW Natural’s financial results.

NW Natural’s ability to secure natural gas for current and 
future sales depends upon its ability to purchase and 
receive delivery of supplies of natural gas from third parties. 
NW Natural, and in some cases, its suppliers of natural gas, 
does 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 
NW Natural relies may fail to deliver gas for which it has 
contracted.  For example, on October 9, 2018, a 36-inch 
pipeline near Prince George, British Columbia owned by 
Enbridge ruptured, disrupting natural gas flows from Canada 
into Washington while the ruptured pipeline and an adjacent 
pipeline were assessed and the ruptured pipeline was 
repaired. Once repaired, pressurization levels for those 
pipelines were reduced for assessment and testing. If NW 
Natural is unable or limited in its ability to obtain natural gas 
from its current suppliers or new sources, it may not be able 
to meet customers' gas requirements and would likely incur 
costs associated with actions necessary to mitigate service 
disruptions, both of which could significantly and negatively 
impact NW Holdings’ and NW Natural’s results of 
operations.

located in Washington where it does not have a weather 
normalization mechanism. These effects could have an 
adverse effect on NW Holdings’ and NW Natural’s financial 
condition, results of operations and cash flows.

CUSTOMER CONSERVATION RISK. Customers’ conservation 
efforts may have a negative impact on NW Holdings’ and 
NW Natural’s 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 NW Natural’s sales of natural 
gas and adversely affect NW Holdings’ or NW Natural’s 
results of operations because revenues are collected mostly 
through volumetric rates, based on the amount of gas sold. 
In Oregon, NW Natural has a conservation tariff which is 
designed to recover lost utility margin due to declines in 
residential and small commercial customers’ consumption. 
However, NW Natural does not have a conservation tariff in 
Washington that provides it this margin protection on sales 
to customers in that state. Similar conservation risks exist 
for water utilities. Customers’ conservation efforts may have 
a negative impact on NW Holding’s and NW Natural’s 
financial condition, revenues and results of operations.

Risks Related Primarily to NW Holdings' Water 
Sector Businesses
NEW WATER SECTOR BUSINESS. NW Holdings has entered 
the water sector through the acquisition of a number of 
water companies. Water businesses are subject to a 
number of risks in addition to the risks described above.

Although the water businesses are not currently expected to 
materially contribute to the results of operations of NW 
Holdings, these businesses are subject to risks, in addition 
to those described above that could adversely affect their 
results of operations, including:
• 

contamination of water supplies, including water 
provided to customers;
interruptions in water supplies and droughts;
conservation efforts by customers; 
regulatory requirements; and

• 
• 
• 
•  weather conditions.

Significant losses, liabilities or impairments arising from 
these businesses may adversely affect NW Holdings' 
financial position or results of operations.

ITEM 1B. UNRESOLVED STAFF COMMENTS

We have no unresolved staff comments.

SINGLE TRANSPORTATION PIPELINE RISK. NW Natural 
relies on a single pipeline company for the transportation of 
gas to its service territory, a disruption of which could 
adversely impact its ability to meet customers’ gas 
requirements, which could significantly and negatively 
impact NW Holdings’ and NW Natural’s results of 
operations.

NW Natural’s 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, NW 
Natural may not be able to meet its 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 NW 
Holdings’ and NW Natural’s results of operations.

THIRD PARTY PIPELINE RISK. NW Holdings’ and NW 
Natural’s 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 NW Holdings’ or NW Natural’s 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 
operations are 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 reasons, our ability to operate efficiently 
and satisfy our customers’ needs could be compromised, 
thereby potentially having an adverse impact on NW 
Holdings’ or NW Natural’s financial condition, results of 
operations and cash flows.

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

We are exposed to weather risk in our natural gas business, 
primarily at NW Natural. A majority of NW Natural’s gas 
volume is driven by gas sales to space heating residential 
and commercial customers during the winter heating 
season. Current NW Natural 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 NW 
Natural’s weather normalization mechanism, weather 
variations from normal could adversely affect utility margin 
because NW Natural may be required to purchase more or 
less gas at spot rates, which may be higher or lower than 
the rates assumed in its PGA. Also, a portion of NW 
Natural’s Oregon residential and commercial customers 
(usually less than 10%) have opted out of the weather 
normalization mechanism, and 11% of its customers are 

22

 
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. These properties 
are used by entities that are aggregated and reported as 
other under NW Holdings.

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.

ITEM 3. LEGAL PROCEEDINGS 

Other than the proceedings disclosed in Note 17, we have 
only nonmaterial litigation in the ordinary course of 
business.

ITEM 4. MINE SAFETY DISCLOSURES

Not applicable.

ITEM 2. PROPERTIES

NW Natural's Natural Gas Distribution Properties
NW Natural's natural gas pipeline system consists of 
approximately 20,000 miles of distribution and transmission 
mains located in its service territory in Oregon and 
Washington. In addition, the pipeline system includes 
service pipelines, meters and regulators, and gas regulating 
and metering stations. Natural gas 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. NW Natural also 
holds permits for the crossing of numerous navigable 
waterways and smaller tributaries throughout our entire 
service territory.

NW Natural owns service building facilities in Portland, 
Oregon, as well as various satellite service centers, 
garages, warehouses, and other buildings necessary and 
useful in the conduct of its business. Resource centers are 
maintained on owned or leased premises at convenient 
points in the distribution system to provide service within 
NW Natural's service territory. NW Natural also owns LNG 
storage facilities in Portland and near Newport, Oregon.

NW Natural also leases office space in Portland for its 
corporate headquarters, which expires on May 31, 2020.  In 
anticipation of the expiration of the current lease, NW 
Natural executed an extensive search and evaluation 
process that focused on seismic preparedness, safety, 
reliability, the least cost to our customers, and a continued 
commitment to our employees and the communities we 
serve. In October 2017, NW Natural entered into a 20-year 
operating lease agreement for a new headquarters in 
Portland. Payments under the new lease are expected to 
commence in 2020.

NW Natural's Mortgage and Deed of Trust (Mortgage) is a 
first mortgage lien on substantially all of the property 
constituting our natural gas distribution plant balances.

These properties are used in the NGD segment.

NW Natural's Natural Gas Storage Properties 
NW Natural holds leases and other property interests in 
approximately 12,000 net acres of underground natural gas 
storage in Oregon and easements and other property 
interests related to pipelines associated with these facilities. 
NW Natural owns rights to depleted gas reservoirs near 
Mist, Oregon that are continuing to be developed and 
operated as underground gas storage facilities. NW Natural 
also holds all future storage rights in certain other areas of 
the Mist gas field in Oregon in addition to other leases and 
property interests. 

A portion of these properties are used in the NGD segment.

NWN Water's Distribution Properties 
We own and maintain water pipelines and hold related 
leases and other property interests in Oregon, Washington, 
and Idaho, associated with water distribution entities that 
were acquired during 2018. Pipelines are located in 

23

  
 
PART II

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

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

There is no established public trading market for NW Natural's common stock.

As of February 22, 2019, there were 4,950 holders of record of NW Holdings' common stock and NW Holdings was the sole 
holder of NW Natural's common stock.

The following table provides information about purchases of NW Holdings' equity securities that are registered pursuant to 
Section 12 of the Securities Exchange Act of 1934 during the quarter ended December 31, 2018:

Period

Balance forward

10/01/18-10/31/18

11/01/18-11/30/18

12/01/18-12/31/18

Total

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

— $

1,147

—

1,147

—

69.02

—

—

—

—

—

—

—

2,124,528

$

16,732,648

(1)  During the quarter ended December 31, 2018, no shares of NW Holdings common stock were purchased on the open market to meet the 
requirements of our Dividend Reinvestment and Direct Stock Purchase Plan. However, 1,147 shares of NW Holdings common stock were 
purchased on the open market to meet the requirements of share-based compensation programs. During the quarter ended December 31, 
2018, no shares of NW Holdings common stock were accepted as payment for stock option exercises pursuant to the NW Natural Restated 
Stock Option Plan.

(2)  During the quarter ended December 31, 2018, no shares of NW Holdings common stock were repurchased pursuant to the Board-Approved 
share repurchase program. In October 2018, we received NW Holdings Board Approval to extend the repurchase program through May 
2019. For more information on this program, see Note 5.

24

 
 
ITEM 6. SELECTED FINANCIAL DATA

NORTHWEST NATURAL HOLDING COMPANY

For the year ended December 31,

In thousands, except per share data

2018

2017

2016

2015

2014

Operating revenues

$

706,143

$

755,038

$

668,173

$

717,888

$

747,251

Earnings from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

67,311

(2,742)

64,569

72,073

(127,696)

(55,623)

62,419

(3,524)

58,895

60,026

(6,323)

53,703

66,006

(7,314)

58,692

Earnings from continuing operations per share of
common stock:

Basic

Diluted

Loss from discontinued operations per share of
common stock:

Basic

Diluted

Earnings (Loss) per share of common stock:

Basic

Diluted

Dividends paid per share of common stock

$

$

$

2.34

$

2.33

2.51

$

2.51

2.26

$

2.25

2.19

$

2.19

(0.10) $

(4.45) $

(0.13) $

(0.23) $

(0.09)

(4.44)

(0.13)

(0.23)

2.24

$

(1.94) $

2.13

$

1.96

$

2.24

1.89

(1.93)

1.88

2.12

1.87

1.96

1.86

2.43

2.42

(0.27)

(0.26)

2.16

2.16

1.85

Total assets, end of period

$

3,242,662

$

3,039,746

$

3,079,801

$

3,069,410

$

3,056,326

Total equity
Long-term debt(1)

762,634

706,247

742,776

683,184

850,497

679,334

780,972

569,445

767,321

593,095

(1)   Excludes $20 million of long-term debt in 2014 associated with our discontinued operations.

NORTHWEST NATURAL GAS COMPANY

For the year ended December 31,

In thousands, except per share data

2018

2017

2016

2015

2014

Operating revenues

$

705,571

$

755,038

$

667,949

Earnings from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

68,049

(1,723)

66,326

71,720

(127,343)

(55,623)

$

$

717,664

60,511

$

$

62,835

(3,940) $

(6,808) $

58,895

$

53,703

$

747,027

66,504

(7,812)

58,692

Total assets, end of period

$

3,192,736

$

3,043,676

Total equity
Long-term debt(1)

715,668

704,134

742,776

683,184

$

$

$

3,081,470

850,497

679,334

$

$

$

3,072,100

780,972

569,445

$

$

$

3,063,712

767,321

593,095

(1)   Excludes $20 million of long-term debt in 2014 associated with Gill Ranch discontinued operations.

25

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

On October 1, 2018, we completed a reorganization into a 
holding company structure. We believe that our holding 
company structure is an agile and efficient platform from 
which to pursue, finance, and oversee new opportunities, 
such as in the water sector, while also providing legal 
separation between regulated natural gas distribution 
operations and other businesses. In this reorganization, 
shareholders of NW Natural (the predecessor publicly held 
parent company) became shareholders of NW Holdings, on 
a one-for-one basis, with the same number of shares and 
same ownership percentage as they held in NW Natural 
immediately prior to the reorganization. NW Natural 
became a wholly-owned subsidiary of NW Holdings.  
Additionally, certain subsidiaries of NW Natural were 
transferred to NW Holdings. As required under accounting 
guidance, these subsidiaries are presented as discontinued 
operations in the consolidated results of NW Natural within 
this report.

NW Holdings is a holding company headquartered in 
Portland, Oregon and owns NW Natural, NWN Water, and 
other businesses and activities. NW Natural is NW 
Holdings’ largest subsidiary. 

NW Natural's natural gas distribution activities are reported 
in the natural gas distribution (NGD) segment, formerly 
titled and reported as the utility segment. All other business 
activities, including certain gas storage activities, water 
businesses, and other investments and activities are 
aggregated and reported as other at their respective 
registrant. References in this discussion to "Notes" are to 
the Notes to the Consolidated Financial Statements in Item 
8 of this report.

In addition, NW Holdings has reported discontinued 
operations results related to the pending sale of Gill Ranch 
Storage, LLC (Gill Ranch). NW Natural Gas Storage, LLC 
(NWN Gas Storage), currently an indirect wholly-owned 
subsidiary of NW Holdings, entered into a Purchase and 
Sale Agreement during the second quarter of 2018 that 
provides for the sale of all membership interests in Gill 
Ranch. Gill Ranch owns a 75% interest in the natural gas 
storage facility located near Fresno, California known as 
the Gill Ranch Gas Storage Facility. Pacific Gas and 
Electric Company (PG&E) owns the remaining 25% interest 
in the Gill Ranch Gas Storage Facility. For more 
information, see "Results of Operations - Pending Sale of 
Gill Ranch Storage" below.

The following is management’s assessment of NW 
Holdings' and NW Natural's financial condition, including 
the principal factors that affect results of operations. The 
discussion covers the years ended December 31, 2018, 
2017, and 2016 and refers to the consolidated results of 
NW Holdings, the substantial majority of which consist of 
the operating results of NW Natural. When significant 
activity exists at NW Holdings that does not exist at NW 
Natural, additional disclosure has been provided.  

NW Holdings' direct and indirect wholly-owned subsidiaries 
include:

26

•  Northwest Natural Gas Company (NW Natural);

  Northwest Energy Corporation (Energy Corp);
  NWN Gas Reserves LLC (NWN Gas 

Reserves);

•  NW Natural Energy, LLC (NWN Energy); 

  NW Natural Gas Storage, LLC (NWN Gas 

Storage);
  Gill Ranch Storage, LLC (Gill Ranch), which is 

presented as a discontinued operation;

•  NNG Financial Corporation (NNG Financial);

KB Pipeline Company (KB);

•  NW Natural Water Company, LLC (NWN Water);
Falls Water Co., Inc. (Falls Water); 
Salmon Valley Water Company;
  Cascadia Water, LLC (Cascadia);
  NW Natural Water of Oregon, LLC (NWN Water of 

Oregon);

  NW Natural Water of Washington, LLC (NWN 

Water of Washington); 

  NW Natural Water of Idaho, LLC (NWN Water of 

Idaho); and
  Gem State Water Company, LLC (Gem State)

The NGD segment includes our NW Natural local gas 
distribution business, NWN Gas Reserves, which is a 
wholly-owned subsidiary of Energy Corp, and the NGD-
portion of NW Natural's Mist storage facility in Oregon. 
Other activities aggregated and reported as other at NW 
Natural include the non-NGD storage activity at Mist as well 
as asset management services and the appliance retail 
center operations. Other activities aggregated and reported 
as other at NW Holdings include 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); NNG Financial's investment in Kelso-
Beaver Pipeline (KB Pipeline); and NWN Water, which 
owns and continues to pursue investments in the water 
sector. See Note 4 for further discussion of our business 
segment and other, as well as our direct and indirect 
wholly-owned subsidiaries.

NON-GAAP FINANCIAL MEASURES. In addition to presenting 
the results of operations and earnings amounts in total, 
certain financial measures are expressed in cents per share 
or exclude the effects of certain items, which are non-GAAP 
financial measures. We present net income or loss and 
earnings or loss per share adjusted for certain items along 
with the U.S. GAAP measures to illustrate their magnitude 
on ongoing business and operational results. Although the 
excluded amounts are properly included in the 
determination of net income or loss and earnings or loss 
per share under U.S. GAAP, we believe the amount and 
nature of these items make period to period comparisons of 
operations difficult or potentially confusing. We use such 
non-GAAP financial measures to analyze our financial 
performance because we believe they provide useful 
information to our investors and creditors in evaluating our 
financial condition and results of operations. Our non-GAAP 
financial measures should not be considered a substitute 
for, or superior to, measures calculated in accordance with 
U.S. GAAP. Reconciliations of the non-GAAP financial 
measures to their closest U.S. GAAP measure used in 
subsequent sections of Item 7 are provided below. 

 
 
 
NON-GAAP RECONCILIATIONS

NW HOLDINGS

In millions, except per share data

Net income from continuing operations

Adjustments:

Regulatory environmental disallowance(1)
Tax effects of 2017 TCJA remeasurement(2)

Tax effects of non-GAAP adjustment

Adjusted net income from continuing operations

NGD segment net income from continuing operations

Adjustments:

Regulatory environmental disallowance(1)
Tax effects of 2017 TCJA remeasurement(2)

Tax effects of non-GAAP adjustment

Adjusted NGD segment net income from continuing operations

Other net income from continuing operations

Adjustments:

Tax effects of 2017 TCJA remeasurement(2)

Adjusted other net income from continuing operations

NW NATURAL

In millions

Net income from continuing operations

Adjustments:

Regulatory environmental disallowance(1)
Tax effects of 2017 TCJA remeasurement(2)

Tax effects of non-GAAP adjustment

Adjusted net income from continuing operations

NGD segment net income from continuing operations

Adjustments:

Regulatory environmental disallowance(1)
Tax effects of 2017 TCJA remeasurement(2)

Tax effects of non-GAAP adjustment

Adjusted NGD segment net income from continuing operations

Other net income from continuing operations

Adjustments:

Tax effects of 2017 TCJA remeasurement(2)

Adjusted other net income from continuing operations

Note: Totals may not foot due to rounding.

2018

2017

2016

Amount

Per Share

Amount

Per Share

Amount

Per Share

$

67.3

$

2.33

$

72.1

$

2.51

$

62.4

$

2.25

—

—

—

67.3

57.5

—

—

—

57.5

9.8

—

9.8

$

$

$

$

$

—

—

—

—

(3.4)

—

2.33

$

68.7

1.99

$

60.5

—

—

—

—

1.0

—

1.99

$

61.5

0.34

$

11.6

$

$

$

$

—

(0.12)

—

3.3

—

(1.3)

2.39

$

64.4

2.10

$

54.6

—

0.03

—

3.3

—

(1.3)

2.13

$

56.6

0.41

$

7.9

$

$

$

$

—

(4.4)

(0.15)

—

0.34

$

7.2

$

0.26

$

7.9

$

2018

Amount

2017

Amount

2016

Amount

68.0

$

71.7

$

—

—

—

68.0

57.5

—

—

—

57.5

10.6

—

$

$

$

$

10.6

$

—

(3.0)

—

68.7

60.5

—

1.0

—

61.5

11.2

$

$

$

$

(4.0)

7.2

$

0.12

—

(0.05)

2.32

1.96

0.12

—

(0.05)

2.03

0.29

—

0.29

62.8

3.3

—

(1.3)

64.8

54.6

3.3

—

(1.3)

56.6

8.3

—

8.3

$

$

$

$

$

$

$

$

$

$

$

(1)     Regulatory environmental disallowance of $3.3 million in 2016 includes $2.8 million recorded in NGD other income (expense), net and $0.5 

million recorded in NGD operations and maintenance expense. The tax effect of the adjustment is calculated using the combined federal and 
state statutory rate in effect at the time of 39.5%. NW Holdings' EPS amounts for the 2016 adjustment are calculated using diluted shares of 
27.8 million, as shown on the NW Holdings Consolidated Statements of Comprehensive Income.

(2)     Non-cash TCJA benefit (expense) associated with continuing operations of $3.4 million was recorded in income tax expense (benefit) in the 
fourth quarter of 2017 as a result of the federal tax rate changing from 35% to 21% effective December 22, 2017. The majority of this benefit 
was recorded at NW Natural. NW Holdings EPS amounts are calculated using diluted shares of 28.8 million as shown on the NW Holdings 
Consolidated Statements of Comprehensive Income. The TCJA impacts in the NGD segment and other may not correlate exactly to the 
consolidated amount due to rounding. See Note 10 for additional information on the TCJA.

27

EXECUTIVE SUMMARY

We manage our business and strategic initiatives with a 
long-term view of providing service safely and reliably to our 
customers, working with regulators on key policy initiatives, 
and remaining focused on growing our businesses. See 
"2019 Outlook" below for more information. Highlights for 
the year include:
• 

added over 12,500 natural gas customers in 2018 for 
an annual growth rate of 1.7% at December 31, 2018;
invested $215 million in NGD distribution systems and 
facilities for growth and reliability;
completed key components of the North Mist Gas 
Storage Expansion Project and continue to target an in-
service date during the spring of 2019;

• 

• 

• 

•  NW Natural ranked first in the West in the 2018 J.D. 
Power Gas Utility Residential Customer Satisfaction 
Study and Gas Utility Business Customer Satisfaction 
Study;
completed key aspects of NW Natural's Oregon general 
rate case and filed for a general rate increase in 
Washington for the first time in a decade; 
completed four water distribution acquisitions with 
several more pending, the largest of which is a water 
and wastewater business in Sunriver, Oregon. Once 
pending transactions close, our water business is 
expected to serve 18,000 connections; and
delivered increasing dividends for the 63rd consecutive 
year to shareholders.

• 

• 

Key financial highlights for NW Holdings include: 

In millions, except per share data

Amount

Per Share

Amount

Per Share

Amount

Per Share

2018

2017

2016

Net income from continuing operations

Loss from discontinued operations, net of tax

Consolidated net income (loss)

Adjusted net income from continuing operations(1)

Natural gas distribution margin

Key financial highlights for NW Natural include:

In millions, except per share data

Net income from continuing operations

Loss from discontinued operations, net of tax

Consolidated net income (loss)

$

$

$

$

$

$

67.3 $

2.33

$

72.1 $

2.51

$

62.4 $

2.25

(2.7)

(0.09)

(127.7)

(4.44)

(3.5)

(0.13)

64.6 $

67.3 $

383.7

2.24

2.33

$

$

$

(55.6) $

(1.93) $

58.9 $

68.7 $

2.39

392.6

$

$

64.4 $

376.6

2.12

2.32

2018

Amount

2017

Amount

2016

Amount

68.0

$

(1.7)

66.3

$

71.7

$

(127.3)

(55.6) $

62.8

(3.9)

58.9

Adjusted net income from continuing operations(1)
64.8
(1)     See the Non-GAAP Reconciliations table at the beginning of Item 7 for a reconciliation of this non-GAAP financial measure to its closest U.S. 

68.7

68.0

$

$

$

GAAP measure.

2018 COMPARED TO 2017. NW Holdings' and NW Natural's 
net income from continuing operations were $67.3 million 
and $68.0 million, respectively, in 2018 compared to $72.1 
million and $71.7 million, respectively, in 2017. The 
decrease was primarily due to the benefit associated with 
the TCJA deferred income tax remeasurement in 2017. 

Excluding the benefit in 2017 associated with the TCJA 
remeasurement, NW Holdings adjusted net income from 
continuing operations decreased $1.4 million. See the Non-
GAAP reconciliations at the beginning of Item 7 for 
additional information. The decrease was primarily due to 
the following factors, all of which were driven by activity at 
NW Natural: 
• 

an $8.9 million decrease in NGD segment margin 
primarily due to the deferral of excess revenue 
associated with the federal income tax rate decrease as 
a result of the TCJA; 
a $4.3 million increase in operations and maintenance 
expense driven by general payroll and benefits 

• 

• 

• 

• 

increases as well as increases in professional services 
and contract labor;
a $4.1 million increase in depreciation and amortization 
primarily due to additional capital expenditures; and
a $3.3 million decrease in other income (expense), net 
primarily due to an increase in pension and 
postretirement benefit expense, partially offset by an 
increase in the equity portion of AFUDC; partially offset 
by
a $20.2 million decrease in income tax expense due to 
the decrease in the federal income tax rate as a result 
of the TCJA and lower pretax earnings.

2017 COMPARED TO 2016. NW Holdings' and NW Natural's 
net income from continuing operations were $72.1 million 
and $71.7 million, respectively, in 2017 compared to $62.4 
million and $62.8 million, respectively, in 2016. The increase 
included a $3.4 million benefit due to the deferred income 
tax balance remeasurement associated with the TCJA in 
2017 and a $3.3 million pre-tax regulatory environmental 
disallowance in 2016. 

28

 
 
 
 
 
Excluding the impact of these items, NW Holdings adjusted 
net income from continuing operations increased $4.3 
million. See the Non-GAAP reconciliations at the beginning 
of Item 7 for additional information. The increase was 
primarily due to the following factors, all of which were 
driven by activity at NW Natural:
• 

a $16.0 million increase in NGD segment margin 
primarily due to customer growth and effects of colder 
than average weather in 2017 compared to warmer 
than average weather in 2016; and
a $6.9 million increase in other income (expense), net 
primarily due an increase in the equity portion of 
AFUDC; partially offset by
a $15.7 million increase in operations and maintenance 
expense driven by higher NGD segment payroll and 
benefits increases, as well as increased NGD segment 
safety equipment upgrade costs; and
a $1.0 million decrease in revenues from asset 
management agreements for Mist storage and 
transportation capacity.

• 

• 

• 

29

2019 OUTLOOK

Our 2019 goals leverage our resources and history of innovation to continue meeting the evolving needs of customers, 
regulators, and shareholders. Our near-term outlook is centered on the following long-term strategic objectives: 

Delivering Our Products

Ensure Safe and Reliable Service

Provide a Superior Customer Experience

Grow Our Businesses

Enable NW Natural Growth

Lead in a Low-Carbon Future

Advance Constructive Legislative Policies and Regulation

Integrate and Grow our Water Businesses

SAFETY AND RELIABILITY. Delivering our products safely 
and reliably to customers is our first priority. During 2019, 
NW Natural will maintain its vigilant focus on safety and 
emergency response through hands-on scenario-based 
training for employees, third-party contractors, and local 
authorities. To ensure the reliability, resiliency, and safety of 
NW Natural's infrastructure, we intend to continue to invest 
in the maintenance and necessary upgrades of our pipeline 
system, including completing projects to replace end-of-life 
equipment at our Mist storage facility, renovating several 
resource centers, and supporting growth and reliability in 
Oregon and southwest Washington. Safety also includes 
NW Holdings' and NW Natural's vigilance in maintaining 
and seeking to strengthen cybersecurity defenses and 
preparing for large-scale emergency events, such as 
seismic hazards. 

SUPERIOR CUSTOMER EXPERIENCE. NW Natural has a 
legacy of providing excellent customer service and a long-
standing dedication to continuous improvement, which has 
resulted in consistently high rankings in the J.D. Power and 
Associates customer satisfaction studies. In 2019, we will 
strive to enhance our customers' experience to meet their 
evolving expectations by prioritizing improvements to 
technology and internal processes which supports our 
customers' frequent interactions and highest value 
touchpoints. 

POLICIES AND REGULATION. We remain committed to 
working constructively with policymakers and regulators to 
provide the best outcomes for both our customers and 
stakeholders. At NW Natural, we are working closely with 
the Oregon commission and other stakeholders on several 
significant items, including the best way to return benefits 
from the TCJA to NW Natural customers and complete its 
Oregon general rate case, which we filed in December 
2017. With regard to Washington regulation, NW Natural 
filed a general rate case with Washington in December 
2018 and will seek to work productively with parties in an 
effort to conclude that case in 2019. NW Natural will 
continue working with the EPA and other stakeholders on 
an environmentally protective and cost effective clean-up 
for the Portland Harbor Superfund Site. Finally, we are 
engaged in policy discussions both in Oregon and 
Washington at the state and community level to build 
support for a constructive role for natural gas in a low-
carbon future. 

NW NATURAL GROWTH. Natural gas is the preferred energy 
choice in NW Natural's service territory given its efficient, 
affordable, and reliable qualities. We are focused on 
leveraging these key attributes to capitalize on our region's 
strong economic growth. We continue to grow our market 
share in the single-family residential sector and capture 
new commercial customers as well as multifamily or mixed-
use developments. In addition, one of the largest and most 
innovative capital projects in the history of NW Natural, the 
North Mist Gas Storage Expansion, is expected to be 
completed and begin supporting the integration of 
renewables into the electric grid in 2019. We will continue to 
look for opportunities to serve and grow with our 
communities.  

LOW-CARBON PATHWAY. We are deeply committed to a 
clean energy future. It's why NW Natural launched a low-
carbon initiative to reduce emissions in the customers and 
communities NW Natural serves by leveraging modern 
pipeline systems in new ways, working closely with 
customers, policymakers and regulators, and embracing 
cutting-edge technology. NW Natural partnered with the 
City of Portland to bring renewable natural gas (RNG) onto 
its system. We expect the entire project to be operational in 
2019 with several other RNG projects underway for 
completion this year or in 2020. To further understand the 
role of natural gas in a low-carbon future, NW Natural 
engaged a premier environmental consultant to complete a 
deep decarbonization study. The study outlines how natural 
gas can help achieve crucial emission reductions of 80% by 
2050. We will continue helping our customers reduce and 
offset their consumption as we support the development of 
renewable natural gas supply and explore other cutting 
edge solutions to lower the carbon intensity of natural gas, 
such as power to gas. 

INTEGRATE AND GROW WATER. NW Water began its 
expansion into the water business more than a year ago 
with a focus on water sector investments that fit our 
conservative risk profile and core competencies. In 2019 
we plan to close our largest acquisition to date in Sunriver, 
Oregon that serves approximately 9,400 water and 
wastewater connections. Once all outstanding transactions 
are closed, NW Water will serve 18,000 connections and 
have invested nearly $70 million in the water sector.

30

DIVIDENDS

NW Holdings dividend highlights include:  

Per common share

Dividends paid

2018

2017

2016

$ 1.8925

$ 1.8825

$ 1.8725

In January 2019, the NW Holdings' Board of Directors 
declared a quarterly dividend on NW Holdings common 
stock of $0.4750 per share, payable on February 15, 2019, 
to shareholders of record on January 31, 2019, reflecting an 
indicated annual dividend rate of $1.90 per share.

See "Financial Condition - Liquidity and Capital Resources" 
for more information regarding the NW Holdings and NW 
Natural dividend policies and regulatory conditions on NW 
Natural dividends to its parent, NW Holdings.

31

RESULTS OF OPERATIONS

Regulatory Matters

Regulation and Rates 
NATURAL GAS DISTRIBUTION. NW Natural's natural gas 
distribution business is subject to regulation by the OPUC 
and WUTC with respect to, among other matters, rates and 
terms of service, systems of accounts, and issuances of 
securities by NW Natural. In 2018, approximately 89% of 
NGD customers were located in Oregon, with the remaining 
11% in Washington. Earnings and cash flows from natural 
gas distribution operations are largely determined by rates 
set in general rate cases and other proceedings in Oregon 
and Washington. They are also affected by weather, the 
local economies in Oregon and Washington, the pace of 
customer growth in the residential, commercial, and 
industrial markets, and NW Natural's ability to remain price 
competitive, control expenses, and obtain reasonable and 
timely regulatory recovery of its natural gas distribution-
related costs, including operating expenses and investment 
costs in plant and other regulatory assets. See "Most 
Recent General Rate Cases" below.

MIST INTERSTATE GAS STORAGE. NW Natural's interstate 
storage activity at Mist is subject to regulation by the OPUC, 
WUTC, and FERC with respect to, among other matters, 
rates and terms of service. The OPUC also regulates the 
intrastate storage services at Mist, while FERC regulates 
the interstate storage services at Mist. The FERC uses 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 their last regulatory filing. The 
OPUC Schedule 80 rates are tied to the FERC rates, and 
are updated whenever NW Natural modifies FERC 
maximum rates.

OTHER. In June 2018, NWN Gas Storage entered into a 
Purchase and Sale Agreement for the sale of all of its 
ownership interests in Gill Ranch, a natural gas storage 
facility located near Fresno, California, which is subject to 
approval by the CPUC and other customary closing 
conditions. See Note 18 for more information.

Most Recent General Rate Cases  
OREGON. Effective November 1, 2012, through October 31, 
2018, 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. 

Effective November 1, 2018, the OPUC authorized rates to 
customers based on an ROE of 9.4%, an overall rate of 
return of 7.317%, and a capital structure of 50% common 
equity and 50% long-term debt. For additional information, 
see "Regulatory Proceeding Updates" below.

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.

On December 31, 2018, NW Natural filed a general rate 
case in Washington requesting an ROE of 10.3%, an overall 
rate of return of 7.63%, and a capital structure of 49.5% 
common equity, 49.5% long-term debt, and 1% short-term 
debt. For additional information, see "Regulatory 
Proceeding Updates" below.

FERC. NW Natural is required under its 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 its interstate storage services. In January 
2018, various state parties filed a request with the FERC to 
adjust the revenue requirements of public utilities to reflect 
the recent reduction in the federal corporate income tax rate 
and other impacts resulting from the TCJA. In July 2018, the 
FERC issued an order finalizing its regulations regarding the 
effect of the TCJA. The new regulations required NW 
Natural to file a petition for rate approval or a cost and 
revenue study to reflect the new federal corporate income 
tax rate within thirty days of the rate effective date of NW 
Natural's Oregon rate case. On October 12, 2018, NW 
Natural filed a rate petition with FERC for revised maximum 
cost-based rates, which incorporated the new federal 
corporate income tax rate. The revised rates became 
effective November 1, 2018.

NW Natural continuously evaluates the need for rate cases 
in its jurisdictions. For additional information, see 
"Regulatory Proceeding Updates—Rate Case" below. 

Regulatory Proceeding Updates
During 2018, NW Natural was involved in the regulatory 
activities discussed below. 

INTERSTATE STORAGE AND OPTIMIZATION SHARING. NW 
Natural received an Order from the OPUC in March 2015 on 
their review of the current revenue sharing arrangement that 
allocates a portion of the net revenues generated from non-
NGD Mist storage services and third-party asset 
management services to NGD business customers. The 
Order required a third-party cost study to be performed. In 
2017, a third-party consultant completed a cost study and 
their final report was filed with the OPUC in February 2018. 
The OPUC concluded on this matter in the Oregon general 
rate case proceeding. For additional information, see 
"Oregon General Rate Case" below.

HOLDING COMPANY REORGANIZATION. In February 2017, 
NW Natural filed applications with the OPUC, WUTC, and 
CPUC for approval to reorganize under a holding company 
structure. In 2017, the OPUC and WUTC approved NW 
Natural's applications subject to certain restrictions or "ring-
fencing" provisions applicable to NW Natural, the company 
that currently engages, and would continue to engage, in 
NGD business operations. During the second quarter of 
2018, NW Natural received approval to reorganize into a 
holding company structure from the CPUC. On October 1, 
2018, we completed the reorganization to a holding 
company structure. Effective November 1, 2018 there are a 
number of conditions under the agreement with the OPUC 
and the WUTC related to the formation of a holding 
company structure. One of the conditions is that, for three 
years, NW Natural will be required to provide an annual 
$500,000 credit to Oregon customers and a $55,000 credit 

32

to Washington customers. The first-year credit to both 
Oregon and Washington customers was given in 
conjunction with the PGA filings, with the rate adjustments 
commencing on November 1, 2018.

OREGON GENERAL RATE CASE.  On October 26, 2018, the 
OPUC issued an order regarding NW Natural's general rate 
case originally filed in December 2017 and approved the 
following items:

TAX REFORM DEFERRAL. In December 2017, NW Natural 
filed applications with the OPUC and WUTC to defer the 
overall net benefit associated with the TCJA that was 
enacted on December 22, 2017. Through the Oregon 
general rate case, in October 2018 the OPUC issued an 
order directing NW Natural and the other parties to the rate 
case to engage in further regulatory proceedings to resolve 
open issues with respect to the treatment of the 10-month 
deferral period of benefits associated with the TCJA. On 
February 4, 2019, NW Natural and the other parties to the 
rate case agreed upon terms by which the deferred benefits 
would be returned to customers via a joint stipulation filed 
with the OPUC. For it to be effective, the OPUC must issue 
an Order. See "Regulatory Proceeding Updates-Oregon 
General Rate Case" below for more information.

NW Natural expects to work with the WUTC regarding the 
Washington deferral for the TCJA as part of the general rate 
case filed in Washington on December 31, 2018, and is 
currently deferring all amounts for the benefit of Washington 
customers. 

WATER BUSINESS. Since we initiated our water strategy in 
December 2017, we have entered into the following 
agreements which require or required regulator approval:

• 

• 

• 

• 

• 

• 

Salmon Valley Water Company — We received 
regulatory approval for this Welches, Oregon 
acquisition in September 2018, and the transaction 
closed in November 2018.
Falls Water Company — We received regulatory 
approval for this Idaho Falls, Idaho acquisition in 
July 2018 from the IPUC and closed the 
transaction in September 2018.
Lehman Enterprises, Inc. and Sea View Water 
LLC — We received regulatory approval from the 
WUTC for these Whidbey Island, Washington 
acquisitions in October 2018 and closed the 
transaction in November 2018.
Sunriver Water, LLC and Sunriver 
Environmental, LLC — We filed an application for 
regulatory approval from the OPUC for the 
Sunriver Water, LLC acquisition in October 2018 
and anticipate receiving regulatory approval in 
2019. Sunriver Environmental, LLC is not under the 
OPUC's jurisdiction. The transaction is expected to 
close in the first half of 2019. 
Spirit Lake East Water Company and Lynnwood 
Water - We filed an application for regulatory 
approval from the IPUC for these Coeur d'Alene, 
Idaho acquisitions in February 2019.
Estates Water Systems Inc. and Monterra Inc - 
We filed an application for regulatory approval from 
the WUTC for these Sequim, Washington 
acquisitions in February 2019.

The acquisitions described above are expected to, upon the 
closing of the Sunriver transaction, represent approximately 
$70 million of aggregate investment.

• 

Annual revenue requirement increase of $23.4 
million or 3.72% over NW Natural's revenue from 
existing rates, which includes approximately $12.1 
million that would otherwise be recovered under 
the conservation tariff deferral; 

•  Capital structure of 50% debt and 50% equity;
•  Return on equity of 9.4%;
•  Cost of capital of 7.317%;
•  Rate base of $1.186 billion, or an increase of $300 

million since the last rate case in 2012;

•  Commencing November 1, 2018, ASC 715 pension  
expenses for the qualified pension plan will be 
recovered through rates with an increase of $8.1 
million to revenue requirement for a total of $11.9 
million; and
The sharing of asset management revenues 
related to NGD business pipeline and storage 
assets will be 90%/10% with 90% being credited to 
customers. Previously customers received 67% of 
these revenues. 

• 

The rate changes listed above went into effect on November 
1, 2018. 

In addition to the items above, the OPUC issued an order on 
October 26, 2018, to freeze NW Natural's pension balancing 
account as of October 31, 2018. The order directed NW 
Natural and the other parties to the rate case to engage in 
further regulatory proceedings extending the general rate 
case docket to resolve open issues with respect to the 
recovery of the pension balancing account, and treatment of 
the 10-month deferral period benefits associated with the 
TCJA. On February 4, 2019, NW Natural, OPUC Staff, 
Oregon Citizen’s Utility Board (CUB), and the Alliance of 
Western Energy Customers (AWEC), which comprise all of 
the parties to the 2018 Oregon rate case, filed with the 
OPUC a joint stipulation addressing remaining items related 
to NW Natural's pension balancing account and the return of 
deferred TCJA benefits to customers (Settlement). The 
Settlement is subject to the review and approval of the 
OPUC. For it to be effective, the OPUC must issue an 
Order, which may approve or deny the terms of the 
Settlement or be issued under the OPUC's own terms.

Under the Settlement, the stipulating parties agree that NW 
Natural properly recorded the remeasurement of regulated 
NGD excess deferred income taxes pursuant to the effects 
of the TCJA, and agree that all of NW Natural’s TCJA-
related dockets will be resolved in accordance with the 
terms of the Settlement. Under the Settlement, NW Natural 
would return excess deferred income taxes pursuant to the 
TCJA as follows: (i) an annual credit to base rates of $3.4 
million; (ii) a credit of $3.0 million per year for five years to 
sale customers; (iii) a credit to customers' benefit of $5.44 
million of deferred income taxes, and $7.07 million of TCJA 
benefits deferred between January 1, 2018 and October 31, 
2018, reflected as a reduction to NW Natural’s pension 
balancing account, described below. As a result of these 
returns and credits, NW Natural’s rate base is expected to 
increase by approximately $15.38 million, and the revenue 
requirement is expected to increase approximately $1.43 

33

Finally, NW Natural is requesting that the WUTC review 
costs allocable to Washington related to environmental 
remediation expenses and consider a mechanism for 
recovery of these costs. The requested costs are estimated 
to be approximately 3.32% of total costs associated with 
those sites related to serving Washington customers.

NW Natural's filing will be reviewed by the WUTC and other 
stakeholders. The process is anticipated to take up to 11 
months. NW Natural has requested that the new rates take 
effect December 1, 2019.

INTEGRATED RESOURCE PLAN (IRP). NW Natural files a full 
IRP biennially for Oregon and Washington with the OPUC 
and WUTC, respectively. NW Natural filed its 2018 Oregon 
and Washington IRPs in August 2018, and received both a 
letter of compliance from the WUTC and acknowledgment 
by the OPUC in February 2019. The IRPs included analysis 
of different growth 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.

DEPRECIATION STUDY. Under OPUC regulations, NW 
Natural is required to file a depreciation study every five 
years to update or justify maintaining the existing 
depreciation rates. In December 2016, NW Natural filed the 
required depreciation study with the OPUC. In September 
2017, the parties to the docket filed a settlement with the 
Commission requesting approval of updated depreciation 
rates. In January 2018, OPUC issued an order adopting the 
stipulation. A corresponding docket was filed and approved 
in Washington for the same depreciation rates. FERC also 
adopted the new depreciation rates which were included in 
the rate petition described in Regulation and Rates - FERC 
above. The new depreciation rates were effective and 
implemented as of November 1, 2018 for Oregon, 
Washington, and FERC regulated customers. The new 
depreciation rates did not materially change NW Natural's 
depreciation rates and did not have a material impact to 
financial results.

million. If NW Natural files a general rate case within five 
years of the date of the Order implementing the Settlement, 
this revenue requirement may be adjusted as part of that 
general rate case.

As to the future operation and timing of rate recovery of 
amounts reflected in NW Natural’s pension balancing 
account, under the Settlement, the stipulating parties agree 
that, effective October 31, 2018, NW Natural would: (i) 
reduce the amount of the frozen pension balancing account 
by $10.5 million, and apply $12.51 million of the Company’s 
deferred TCJA benefits, for a total reduction of the pension 
balancing account of approximately $23.01 million; and (ii) 
reduce the interest rate on the pension balancing account 
from NW Natural’s authorized rate of return of 7.317 percent 
to 4.3 percent. NW Natural would then collect the remainder 
of the pension balancing account balance over ten years in 
a customer tariff of $7.3 million per year beginning on the 
rate effective date. If the Settlement is approved, NW 
Natural expects to recognize an after-tax charge to earnings 
of approximately $6.7 million in the quarter in which an order 
is issued.

The Settlement is subject to the review and approval of the 
OPUC with a decision and order expected in March 2019, 
and new rates expected to be effective April 1, 2019.

WASHINGTON GENERAL RATE CASE.  On December 31, 
2018, NW Natural filed for a general rate case in the state of  
Washington. The requested increase, the first in 
approximately 10 years, is intended to recover operating 
costs and investments made in the Washington distribution 
system and is based upon the following assumptions or 
requests:

•  Capital structure of 49.5% long-term debt, 1.0% 
short-term debt, and 49.5% common equity;

•  Return on equity of 10.3%;
•  Cost of capital of 7.63%; and
•  Rate base of $186.5 million, an increase of $58.7 

million since the last rate case.

The filing also includes a proposal to return federal tax 
reform benefits to customers related to the TCJA. NW 
Natural estimates the total liability for tax reform benefits 
allocated to Washington customers to be approximately 
$20.2 million, which is comprised of a historical deferred 
liability of $18.1 million primarily related to property, plant, 
and equipment and an expected $2.1 million associated with 
interim tax benefits accumulated from January 1, 2018 to 
November 30, 2019. NW Natural is requesting that the 
$18.1 million historical deferral be credited to rates in 
compliance with the TCJA guidance, which is currently at a 
rate of approximately $0.5 million annually for the first five 
years, and which would be reviewed and adjusted in year 
five for the next five years. NW Natural is requesting that the 
interim $2.1 million tax benefit be returned to customers 
over two years.

In addition, NW Natural is requesting a decoupling tariff for 
Washington customers, which is intended to allow the NGD 
business to continue encouraging customers to conserve 
energy without adversely affecting earnings due to 
reductions in sales volumes. The proposed decoupling tariff 
would also adjust for any deviation from normal usage, 
including weather.

34

Rate Mechanisms
During 2018, NW Natural's approved rates and recovery 
mechanisms for each service area included:

OR

WA

2012 Rate
Case

2018 Rate 
Case 
(effective 
11/1/2018)

2009 Rate
Case

9.5%

7.8%

9.4%

7.3%

10.1%

8.4%

Authorized Rate
Structure:

ROE

ROR

Debt/Equity Ratio

50%/50% 50%/50%

49%/51%

Key Regulatory
Mechanisms:

PGA

Gas Cost Incentive
Sharing

Decoupling

WARM

Environmental Cost
Deferral

Environmental Cost
Recovery (SRRM)

Pension Balancing

Interstate Storage and
Asset Management
Sharing

X

X

X

X

X

X

X

X

X

X

X

X

X

X

X

X

X

X

PURCHASED GAS ADJUSTMENT. Rate changes are 
established for NW Natural each year under PGA 
mechanisms in Oregon and Washington to reflect changes 
in the expected cost of natural gas commodity purchases. 
The PGA filings and filings coincident with the PGA include 
gas costs under spot purchases as well as contract 
supplies, gas costs hedged with financial derivatives, gas 
costs from the withdrawal of storage inventories, the 
production of gas reserves, interstate pipeline demand 
costs, temporary rate adjustments, which amortize balances 
of deferred regulatory accounts, and the removal of 
temporary rate adjustments effective for the previous year.

Each year, NW Natural typically hedges gas prices on a 
portion of NW Natural's annual sales requirement based on 
normal weather, including both physical and financial 
hedges. NW Natural entered the 2018-19 gas year with its 
forecasted sales volumes hedged at 49% in financial swap 
and option contracts and 26% in physical gas supplies for 
Oregon and Washington.

As of December 31, 2018, NW Natural is also hedged in 
future gas years at approximately 17% for the 2019-20 gas 
year and between 1% and 8% for annual requirements over 
the subsequent five gas years. 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, gas storage 
inventory levels may increase or decrease with storage 
expansion, changes in storage contracts with third parties, 
variations in the heat content of the gas, and/or storage 
recall by NW Natural.

In September 2018, NW Natural filed its annual PGA and 
received OPUC and WUTC approval in October 2018. PGA 
rate changes were effective November 1, 2018. Rates 
between states can vary due to different rate structures and 
mechanisms. Oregon residential customers' rates declined 
2.1% from the combined effect of the PGA and Oregon rate 
case and Washington residential customers' rates declined 
by 7.2%. In addition, as required with the Washington PGA 
filing, NW Natural provided the WUTC with a full strategy 
implementation plan to incorporate risk-responsive hedging 
strategies in its natural gas procurement process. The plan 
calls for a flexible hedging approach that reacts to changes 
in market conditions as those changes occur. NW Natural 
expects to begin implementing risk-responsive hedging 
strategies for the 2019-20 PGA for its Washington gas 
supplies. 

Under the current PGA mechanism in Oregon, there is an 
incentive sharing provision whereby NW Natural is required 
to select each year an 80% deferral or a 90% deferral of 
higher or lower actual gas costs compared to estimated 
PGA prices, such that the impact on NW Natural's current 
earnings from the incentive sharing is either 20% or 10% of 
the difference between actual and estimated gas costs, 
respectively. For the 2017-18 and 2018-19 gas years, NW 
Natural selected the 90% deferral option. Under the 
Washington PGA mechanism, NW Natural defers 100% of 
the higher or lower actual gas costs, and those gas cost 
differences are passed on to customers through the annual 
PGA rate adjustment. 

EARNINGS TEST REVIEW. NW Natural is subject to an 
annual earnings review in Oregon to determine if the NGD 
business is earning above its authorized ROE threshold. If 
NGD business earnings exceed a specific ROE level, then 
33% of the amount above that level is required to be 
deferred or refunded to customers. Under this provision, if 
NW Natural selects the 80% deferral gas cost option, then 
NW Natural retains all earnings up to 150 basis points 
above the currently authorized ROE. If NW Natural selects 
the 90% deferral option, then it retains all earnings up to 100 
basis points above the currently authorized ROE. For the 
2017-18 and 2018-19 gas years, it selected the 90% 
deferral option. The ROE threshold is subject to adjustment 
annually based on movements in long-term interest rates. 
For calendar years 2016, 2017, and 2018, the ROE 
threshold was 11.06%, 10.66%, and 10.48%, respectively. 
There were no refunds required for 2016 and 2017. NW 
Natural does not expect a refund for 2018 based on results, 
and NW Natural anticipates filing its 2018 earnings test in 
May 2019. 

GAS RESERVES. In 2011, the OPUC approved the Encana 
gas reserves transaction to provide long-term gas price 
protection for NGD business customers and determined 
costs under the agreement would be recovered on an 
ongoing basis through the annual PGA mechanism. Gas 
produced from NW Natural's interests is sold at then 
prevailing market prices, and revenues from such sales, net 
of associated operating and production costs and 
amortization, are included in cost of gas. The cost of gas, 
including a carrying cost for the rate base investment made 
under the original agreement, is included in NW Natural's 
annual Oregon PGA filing, which allows NW Natural to 
recover these costs through customer rates. 

35

The net investment under the original agreement earns a 
rate of return.

for about 11% of total customers. See "Business Segments
—Natural Gas Distribution" below.

In 2014, NW Natural amended the original gas reserves 
agreement in response to Encana's sale of its interest in the 
Jonah field located in Wyoming to Jonah Energy. Under the 
amended agreement with Jonah Energy, NW Natural has 
the option to invest in additional wells on a well-by-well 
basis with drilling costs and resulting gas volumes shared at 
the amended proportionate working interest for each well in 
which NW Natural invests. Volumes produced from the 
additional wells drilled after the amended agreement are 
included in NW Natural's Oregon PGA at a fixed rate of 
$0.4725 per therm. NW Natural did not have the opportunity 
to participate in additional wells in 2016, 2017, or 2018. 

DECOUPLING. In Oregon, NW Natural has a decoupling 
mechanism. Decoupling is intended to break the link 
between earnings and the quantity of gas consumed by 
customers, removing any financial incentive to discourage 
customers’ efforts to conserve energy.

The Oregon decoupling mechanism was reauthorized and 
the baseline expected usage per customer was reset in the 
2018 Oregon general rate case. 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. In Washington, customer use is not 
covered by such a tariff. However, NW Natural's general 
rate case filed in Washington on December 31, 2018, 
requests that such a tariff be implemented. See "Regulatory 
Proceeding Updates—Washington General Rate Case" 
above.

WARM. In Oregon, NW Natural has 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 
mid-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. The collections of any unbilled WARM amounts 
due to tariff caps and floors are deferred and earn a carrying 
charge until collected, or returned, in the PGA the following 
year. 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, 2018, 8% of eligible 
customers had opted out. NW Natural does not have a 
weather normalization mechanism approved for residential 
and commercial customers in Washington, which account 

INDUSTRIAL TARIFFS. The OPUC and WUTC have 
approved tariffs covering NGD service to major industrial 
customers, which are intended to give NW Natural certainty 
in the level of gas supplies needed to serve this customer 
group. The approved 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 NW 
Natural's annual PGA tariff.

ENVIRONMENTAL COST DEFERRAL AND SRRM. NW Natural 
has a SRRM through which it tracks and has the ability to 
recover past deferred and future prudently incurred 
environmental remediation costs allocable to Oregon, 
subject to an earnings test. 

Under the SRRM collection process, there are three types of 
deferred environmental remediation expense:
• 

Pre-review - This class of costs represents remediation 
spend that has not yet been deemed prudent by the 
OPUC. Carrying costs on these remediation expenses 
are recorded at NW Natural's authorized cost of capital. 
NW Natural anticipates the prudence review for annual 
costs and approval of the earnings test prescribed by 
the OPUC to occur by the third quarter of the following 
year. 
Post-review - This class of costs represents 
remediation spend that has been deemed prudent and 
allowed after applying the earnings test, but is not yet 
included in amortization. NW Natural earns a carrying 
cost on these amounts at a rate equal to the five-year 
treasury rate plus 100 basis points. 
Amortization - This class of costs represents amounts 
included in current customer rates for collection and is 
generally calculated as one-fifth of the post-review 
deferred balance. NW Natural earns a carrying cost 
equal to the amortization rate determined annually by 
the OPUC, which approximates a short-term borrowing 
rate. NW Natural included $6.1 million and $7.4 million 
of deferred remediation expense approved by the 
OPUC for collection during the 2018-19 and 2017-18 
PGA years, respectively.

• 

• 

In addition, the SRRM also provides for the annual 
collection of $5.0 million from Oregon customers through a 
tariff rider. As it collects amounts from customers, NW 
Natural recognizes these collections as revenue and 
separately amortizes an equal and offsetting amount of the 
deferred regulatory asset balance through the 
environmental remediation operating expense line shown 
separately in the operating expenses section of the 
Consolidated Statements of Comprehensive Income (Loss). 
See Note 17 for more information on our environmental 
matters.

The SRRM earnings test is an annual review of adjusted 
NGD ROE compared to authorized NGD ROE. For 2018, 
the first ten months will be weighted at 9.5% and the last 
two months at 9.4%, reflecting the ROE change from NW 
Natural's most recent rate case effective November 1, 2018.

36

 
  
See "Regulatory Proceeding Updates-Oregon General Rate 
Case" above. Pension expense deferrals, excluding interest, 
were $10.3 million, $6.5 million, and $6.3 million in 2018, 
2017 and 2016, respectively. 

INTERSTATE STORAGE AND OPTIMIZATION SHARING. On an 
annual basis, NW Natural credits amounts to Oregon and 
Washington customers as part of a regulatory incentive 
sharing mechanism related to net revenues earned from 
Mist gas storage and asset management activities. 
Generally, amounts are credited to Oregon customers in 
June, while credits are given to customers in Washington as 
reductions in rates through the annual PGA filing in 
November.

The following table presents the credits to NGD customers:

In millions

Oregon

Washington

2018

2017

2016

$

11.7

$

11.7

$

1.0

1.0

9.4

1.0

Business Segment - Natural Gas Distribution (NGD)
NGD margin results are primarily affected by customer 
growth, revenues from rate-base additions, and, to a certain 
extent, by changes in delivered volumes due to weather and 
customers’ gas usage patterns because a significant portion 
of NGD margin is derived from natural gas sales to 
residential and commercial customers. In Oregon, NW 
Natural has a conservation tariff (also called the decoupling 
mechanism), which adjusts margin up or down each month 
through a deferred regulatory accounting adjustment 
designed to offset changes resulting from increases or 
decreases in average use by residential and commercial 
customers. NW Natural also has a weather normalization 
tariff in Oregon, WARM, which adjusts customer bills up or 
down to offset changes in margin resulting from above- or 
below-average temperatures during the winter heating 
season. Both mechanisms are designed to reduce, but not 
eliminate, the volatility of customer bills and natural gas 
distribution earnings. See "Regulatory Matters—Rate 
Mechanisms" above. 

The NGD business is seasonal in nature due to higher gas 
usage by residential and commercial customers during the 
cold winter heating months. Other categories of customers 
experience seasonality in their usage but to a lesser extent. 
Seasonality affects the comparability of the results of 
operations of the NGD business across quarters but not 
across years.

To apply the earnings test NW Natural must first determine 
what if any costs are subject to the test through the following 
calculation:

Annual spend

Less: $5.0 million base rate rider
          Prior year carry-over(1)
          $5.0 million insurance + interest on insurance

Total deferred annual spend subject to earnings test

Less: over-earnings adjustment, if any
Add:  deferred interest on annual spend(2)
Total amount transferred to post-review
(1)   Prior year carry-over results when the prior year amount 

transferred to post-review is negative. The negative amount is 
carried over to offset annual spend in the following year. 
(2)   Deferred interest is added to annual spend to the extent the 

spend is recoverable. 

To the extent the NGD business earns at or below its 
authorized ROE, the total amount transferred to post-review 
is recoverable through the SRRM. To the extent more than 
authorized ROE is earned in a year, the amount transferred 
to post-review would be reduced by those earnings that 
exceed its authorized ROE.

For 2018, NW Natural has performed this test, which is 
anticipated to be submitted to the OPUC in May 2019, and 
no earnings test adjustment is expected for 2018.  

The WUTC has also previously authorized the deferral of 
environmental costs, if any, that are appropriately allocated 
to Washington customers. This Order was effective in 
January 2011 with cost recovery and carrying charges on 
amounts deferred for costs associated with services 
provided to Washington customers to be determined in a 
future proceeding. Annually, or more often if circumstances 
warrant, NW Natural reviews all regulatory assets for 
recoverability. If NW Natural should determine all or a 
portion of these regulatory assets no longer meet the criteria 
for continued application of regulatory accounting, then NW 
Natural would be required to write-off the net unrecoverable 
balances against earnings in the period such a 
determination was made.

PENSION COST DEFERRAL AND PENSION BALANCING 
ACCOUNT. From 2011 through October 2018, the OPUC 
authorized a regulatory mechanism in which NW Natural 
deferred annual pension expenses above the amount set in 
rates, with recovery of these deferred amounts through the 
implementation of a balancing account, which included the 
expectation of higher and lower pension expenses in future 
years. During this period the mechanism permitted for NW 
Natural to accrue interest on the account balance at the 
NGD business' authorized rate of return. On October 26, 
2018, the OPUC issued an order to freeze NW Natural's 
pension balancing account as of October 31, 2018. The 
order directed NW Natural and the other parties to the 2018 
Oregon rate case to engage in further regulatory 
proceedings extending the general rate case docket to 
resolve open issues with respect to the recovery of the 
pension balancing account. On February 4, 2019, NW 
Natural and the other parties to the rate case filed a joint 
stipulation with the OPUC outlining a resolution to the issue. 

37

 
 
deferred income tax balances associated with the TCJA in 
2017 and the after-tax $2.0 million regulatory disallowance 
in 2016. Excluding these items, adjusted NGD net income 
increased $4.9 million, or $0.10 per share. See the Non-
GAAP reconciliations at the beginning of Item 7 for 
additional information. 

The primary factors contributing to this increase in adjusted 
NGD net income were as follows:
• 

a $16.0 million increase in NGD margin primarily due 
to:
• 

• 

• 

a $6.8 million increase from customer growth; 
partially offset by;
a $2.7 million decrease from gains in gas cost 
incentive sharing due to actual gas prices being 
lower than those estimated in the 2016-2017 PGA, 
but not by the same magnitude as in the prior 
period; 
a portion of the remaining increase was due to the 
effects of colder than average weather in 2017 
compared to warmer than average weather in 
2016.

• 

• 

• 

a $2.2 million increase in other income (expense), net, 
primarily due to an increase in the equity portion of 
AFUDC in 2017; partially offset by
a $10.4 million increase in operations and maintenance 
expense driven largely from payroll and benefits due to 
increased headcount, general salary increases, and 
increased safety equipment update costs; and
a $3.4 million increase in depreciation expense 
primarily due to additional capital expenditures. 

Total natural gas sold and delivered in 2017 increased 14% 
over 2016 primarily due to the impact of weather that was 
48% colder than the prior period and 15% colder than 
average. 

NGD segment highlights include:  

Dollars and therms in millions,
except EPS data

NGD net income
Adjusted NGD net income(1)

EPS - NGD segment

Adjusted EPS - NGD 
segment(1)

2018

2017

2016

$

57.5

$

60.5

$

57.5

1.99

1.99

61.5

2.10

2.13

54.6

56.6

1.96

2.03

Gas sold and delivered (in
therms)
NGD margin(2)
$ 376.6
(1) See the Non-GAAP Reconciliations table at the beginning of Item 
7 for a reconciliation of this non-GAAP financial measure to its 
closest U.S. GAAP measure.

$ 392.6

$ 383.7

1,128

1,240

1,085

(2)  See Natural Gas Distribution Margin Table below for additional 

detail. 

2018 COMPARED TO 2017. NGD net income was $57.5 
million in 2018 compared to $60.5 million in 2017. NGD net 
income in 2017 includes a $1.0 million loss from the 
remeasurement of deferred income tax balances due to the 
enactment of the TCJA. Excluding this item, adjusted NGD 
net income decreased $4.0 million, or $0.14 per share. See 
the NW Holdings non-GAAP reconciliations at the beginning 
of Item 7 for additional information. 

The primary factors contributing to the decrease in adjusted 
NGD net income were as follows:
• 

a $8.9 million decrease in natural gas distribution 
margin primarily due to:

a $7.9 million decrease due to revenues collected 
and deferred in association with the TCJA; partially 
offset by
a $4.8 million increase from customer growth; and
the majority of the remaining decrease was due to 
the effects of warmer than average weather in 
2018 compared to colder than average weather in 
2017, partially offset by higher rates from the 2018 
Oregon general rate case effective November 1, 
2018.

• 

• 

• 

• 

a $6.0 million increase in operations and maintenance 
expense driven largely from payroll and benefits due to 
increased headcount, general salary increases, and 
increased professional services and contract labor 
expense; 
a $4.2 million decrease in other income (expense), net, 
primarily due to increases in pension non-service 
component costs, partially offset by increases in the 
equity portion of AFUDC in 2018; and
a $4.0 million increase in depreciation expense 
primarily due to additional capital expenditures; partially 
offset by
a $20.0 million decrease in income tax expense 
primarily due to the reduction in the federal statutory tax 
rate from the TCJA and lower pretax income.

Total natural gas sold and delivered in 2018 decreased 9% 
over 2017 primarily due to the impact of weather that was 
26% warmer than the prior period and 15% warmer than 
average.

2017 COMPARED TO 2016. NGD net income was $60.5 
million in 2017 compared to $54.6 million in 2016, which 
includes the $1.0 million loss from the remeasurement of 

38

 
 
 
NATURAL GAS DISTRIBUTION MARGIN TABLE. The following table summarizes the composition of NGD gas volumes, revenues, 
and cost of sales: 

In thousands, except degree day and customer data

2018

2017

2016

Favorable/(Unfavorable)

2018 vs.
2017

2017 vs.
2016

NGD volumes (therms):

Residential and commercial sales

Industrial sales and transportation

661,163

467,040

740,369

499,924

609,222

475,774

(79,206)

(32,884)

Total NGD volumes sold and delivered

1,128,203

1,240,293

1,084,996

(112,090)

131,147

24,150

155,297

NGD operating revenues:

Residential and commercial sales

Industrial sales and transportation

Other revenues
Less: Revenue taxes(1)

Total NGD operating revenues

Less: Cost of gas

Less: Environmental remediation expense
Less: Revenue taxes(1)

NGD margin

NGD margin:(2)

Residential and commercial sales

Industrial sales and transportation

Miscellaneous revenues

Gain from gas cost incentive sharing

Other margin adjustments(3)

NGD margin

Degree days(4)
Average(5)

Actual
Percent colder (warmer) than average weather(5)

NGD Meters - end of period:

Residential meters

Commercial meters

Industrial meters

$ 621,782

$ 684,214

$ 604,390

$ (62,432)

$

79,824

58,713

153

—

680,648

255,743

11,127

30,082

63,925

3,872

19,069

732,942

325,019

15,291

—

59,386

3,812

17,111

650,477

260,588

13,298

—

383,696

392,632

376,591

(5,212)

(3,719)

(19,069)

(52,294)

69,276

4,164

(30,082)

(8,936)

4,539

60

1,958

82,465

(64,431)

(1,993)

—

16,041

$ 352,710

$ 355,736

$ 338,060

$

(3,026)

$

17,676

30,817

5,542

(27)

(5,346)

31,847

30,989

3,865

1,237

(53)

3,796

3,960

(214)

(1,030)

1,677

(1,264)

(5,293)

858

69

(2,723)

161

$ 383,696

$ 392,632

$ 376,591

$

(8,936)

$

16,041

2,714

2,313

2,705

3,114

2,716

2,098

9

(26)%

(11)

48%

(15)%

15%

(23)%

680,134

668,803

656,855

69,259

1,028

68,050

1,021

67,278

1,013

11,331

1,209

7

11,948

772

8

Total number of meters

750,421

737,874

725,146

12,547

12,728

NGD Meter growth:

Residential meters

Commercial meters

Industrial meters

Total meter growth

1.7 %

1.8 %

0.7 %

1.7 %

1.8%

1.1%

0.8%

1.8%

(1) 

The change in presentation of revenue taxes was a result of the adoption of ASU 2014-09 "Revenue From Contracts with Customers" and 
all related amendments on January 1, 2018. This change had no impact on NGD margin results. For additional information, see Note 2.
(2)  Amounts reported as margin for each category of meters are operating revenues, which are net of revenue taxes, less cost of gas and 

environmental remediation expense.

(3)  Other margin adjustments include revenue deferrals of $7.9 million for the year ended December 31, 2018 associated with the decline of 

the U.S. federal corporate income tax rate.

(4)  Heating degree days are units of measure reflecting temperature-sensitive consumption of natural gas, calculated by subtracting the 

average of a day's high and low temperatures from 59 degrees Fahrenheit.

(5)  Average weather represents the 25-year average of heating degree days. Through October 31, 2018, average weather is calculated over 

the period 1986 - 2010, as determined in NW Natural's 2012 Oregon general rate case, and beginning November 1, 2018, average weather 
is calculated over the period May 31, 1992 through May 30, 2017, as determined in NW Natural's 2018 Oregon general rate case.

39

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 NW Natural's weather 
normalization mechanism in Oregon; approximately 81% of 
NW Natural's 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 
the weather mechanism, see "Regulatory Matters—Rate 
Mechanisms—Weather Normalization Mechanism" above.

NGD residential and commercial sales highlights include:

In millions

Volumes (therms):

Residential sales

Commercial sales

Total volumes

Operating revenues:

2018

2017

2016

411.7

249.5

661.2

465.2

275.2

740.4

379.2

230.0

609.2

Residential sales

$

418.4

$

455.9

$

404.3

million in natural gas distribution margin as a result of sales 
volume increases of 131.2 million therms, or 22%, due to 
customer growth and the effects of colder than average 
weather in 2017 compared to warmer than average weather 
in the prior period.

Industrial Sales and Transportation
Industrial customers have the option of purchasing sales or 
transportation services. Under the sales service, the 
customer buys the gas commodity. Under the transportation 
service, the customer buys the gas commodity directly from 
a third-party gas marketer or supplier. The NGD gas 
commodity cost is primarily a pass-through cost to 
customers; therefore, NGD profit margins are not materially 
affected by an industrial customer's decision to purchase 
gas 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, industrial tariffs are designed to 
provide some certainty regarding industrial customers' 
volumes by requiring an annual service election which 
becomes effective November 1, special charges for 
changes between elections, and in some cases, a minimum 
or maximum volume requirement before changing options. 

203.3

228.3

200.1

NGD industrial sales and transportation highlights include:

$

621.7

$

684.2

$

604.4

In millions

2018

2017

2016

Commercial sales

Total operating
revenues

NGD margin:

Residential:

Sales

Alternative revenues:

Weather normalization

Decoupling

Amortization of
alternative revenue

Total residential NGD
margin

Commercial:

Sales

Alternative revenues:

Weather normalization

Decoupling

Amortization of
alternative revenue

Total commercial NGD
margin

$

240.0

$

262.1

$

223.2

7.6

(0.6)

1.9

(11.9)

(2.4)

—

12.7

0.8

—

248.9

247.8

236.7

103.7

101.5

87.2

2.4

7.3

(4.6)

11.1

(9.6)

—

5.0

9.2

—

103.8

108.0

101.4

Total NGD margin

$

352.7

$

355.8

$

338.1

2018 COMPARED TO 2017. The primary factors contributing 
to changes in the residential and commercial markets were 
decreases of $62.5 million in operating revenue and $3.1 
million in NGD margin as a result of sales volume decreases 
of 79.2 million therms, or 11%, due to warmer than average 
weather in 2018 compared to colder than average weather 
in the prior period, partially offset by customer growth.

2017 COMPARED TO 2016. The primary factors contributing 
to changes in the residential and commercial markets were 
increases of $79.8 million in operating revenue and $17.7 

40

Volumes (therms):

Industrial - firm sales

35.3

35.7

33.8

Industrial - firm
transportation

Industrial - interruptible
sales

Industrial - interruptible
transportation

Total volumes

NGD margin:

Industrial - sales and
transportation

162.7

167.7

156.9

50.6

55.1

50.4

218.4

467.0

241.4

499.9

234.7

475.8

$

30.8

$

31.8

$

31.0

2018 COMPARED TO 2017. Industrial sales and transportation 
volumes decreased by 32.9 million therms and NGD margin 
decreased $1.0 million due to lower usage from warmer 
than average weather in 2018 compared to colder than 
average weather in 2017.

2017 COMPARED TO 2016. Industrial sales and transportation 
volumes increased by 24.1 million therms and NGD margin 
increased $0.8 million due to higher usage from colder than 
average weather in 2017 compared to warmer than average 
weather in 2016, and increased usage from higher 
production load.

Other NGD Revenues
Other NGD 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 and 
other regulatory amortizations from prior year deferrals are 
included in revenues from residential, commercial, and 
industrial firm customers.

Other NGD revenue highlights include:

In millions

2018

2017

2016

Other NGD revenues

$

5.5

$

3.9

$

3.8

Other NGD revenue increased $1.6 million in 2018 
compared to 2017 due to increases in entitlement and 
curtailment revenue due to system restrictions for certain 
industrial and commercial customers as a result of a 
Canadian pipeline event in October 2018 that disrupted gas 
supply. Other NGD revenues remained flat between 2017 
and 2016.

Cost of Gas
Cost of gas as reported by the NGD segment 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 reserves 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. Customer rates are set 
each year so that if cost estimates were met the NGD 
business would not earn a profit or incur a loss on gas 
commodity purchases; however, in Oregon we have the 
incentive sharing mechanism described under "Regulatory 
Matters—Rate Mechanisms—Purchased Gas Adjustment" 
above. In addition to the PGA incentive sharing mechanism, 
gains and losses from hedge contracts entered into after 
annual PGA rates are effective for Oregon customers are 
also required to be shared and therefore may impact net 
income. Further, NW Natural also has a regulatory 
agreement whereby it earns a rate of return on its 
investment in the gas reserves acquired under the original 
agreement with Encana and includes gas from the amended 
gas reserves agreement at a fixed rate of $0.4725 per 
therm, which are also reflected in NGD margin. See 
"Application of Critical Accounting Policies and Estimates—
Accounting for Derivative Instruments and Hedging 
Activities" below.

Cost of gas highlights include:

Dollars and therms in millions

2018

2017

2016

Cost of gas

$ 255.7

$ 325.0

$ 260.6

Volumes sold (therms)

747

831

693

Average cost of gas (cents
per therm)

Gain from gas cost incentive
sharing

$

0.34

$

0.39

$

0.38

—

1.2

4.0

2018 COMPARED TO 2017. Cost of gas decreased $69.3 
million, or 21%, primarily due to the 10% decrease in 
volumes sold due to warmer than average weather in 2018 
compared to colder than average weather in 2017, and 
lower average cost of gas collected from customers, 
partially offset by customer growth.

2017 COMPARED TO 2016. Cost of gas increased $64.4 
million, or 25%, primarily due to the 20% increase in 
volumes sold due to colder than average weather in 2017 
compared to warmer than average weather in 2016, and 
customer growth.

41

The effect on net income from NW Natural's gas cost 
incentive sharing mechanism resulted in a slight margin loss 
in 2018 and margin gains of $1.2 million and $4.0 million for 
2017 and 2016, respectively. In 2018, actual prices closely 
aligned with estimated prices included in customer rates. In 
2017 and 2016, actual prices were lower than the estimated 
prices included in customer rates due to warmer than 
average weather nationally, which resulted in lower national 
natural gas commodity prices. For a discussion of the gas 
cost incentive sharing mechanism, see "Regulatory Matters
—Rate Mechanisms—Purchased Gas Adjustment" above.

Other
Other activities aggregated and reported as other at NW 
Natural include the non-NGD storage activity at Mist as well 
as asset management services and the appliance retail 
center operations. Other activities aggregated and reported 
as other at NW Holdings include 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); NNG Financial's investment in Kelso-
Beaver Pipeline (KB Pipeline); and NWN Water, which owns 
and continues to pursue investments in the water sector. 
See Note 4 for further discussion of our business segment 
and other, as well as our direct and indirect wholly-owned 
subsidiaries, and Note 13 for further details on our 
investment in TWH.

At Mist, NW Natural provides gas storage services to 
customers in the interstate and intrastate markets using 
storage capacity that has been developed in advance of 
NGD customers’ requirements. Pre-tax income from gas 
storage at Mist and asset management services is subject 
to revenue sharing with NGD customers. 

Under this regulatory incentive sharing mechanism, NW 
Natural retains 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 NGD business rates. The remaining 20% is credited to a 
deferred regulatory account for credit to NGD customers. 

Through October 2018, when the capacity used was 
included in NGD rates, NW Natural retained 33% of pre-tax 
income with the remaining 67% credited to a deferred 
regulatory account for credit to NGD customers. In 
conjunction with the Oregon rate case, effective November 
2018 NW Natural retains 10% of pre-tax income from such 
storage and asset management services and 90% is 
credited to NGD business customers. See "Regulatory 
Matters-Regulatory Proceeding Updates" above for 
information regarding an open docket related to this 
incentive sharing mechanism.

The following table presents the results of activities 
aggregated and reported as other for both NW Holdings and 
NW Natural:

In millions, except EPS data

2018

2017

2016

NW Natural other - net income

$

10.6

$ 11.2

$

8.3

Other NW Holdings activity

NW Holdings other - net income

EPS - NW Holdings - other

(0.8)

9.8

0.34

0.4

11.6

0.41

(0.4)

7.9

0.29

Delinquent customer receivable balances continue to 
remain at historically low levels. Bad debt expense as a 
percent of revenues was 0.1% for 2018, 2017, and 2016.

Depreciation and Amortization
Depreciation and amortization highlights include:

The significant drivers of changes in other net income 
discussed below apply to both NW Holdings and NW 
Natural.

2018 COMPARED TO 2017. Other net income decreased 
compared to the prior period primarily due to $4.2 million in 
higher income tax expense driven by $4.4 million in income 
tax benefits recognized in 2017 from the enactment of the 
TCJA, partially offset by a $2.8 million increase in revenues 
from asset management agreements for Mist storage and 
transportation capacity.

2017 COMPARED TO 2016. Other net income increased 
primarily due to a gain associated with the TCJA deferred 
taxes remeasurement, partially offset by a decrease in 
revenues from asset management agreements for Mist 
storage and transportation capacity.

Consolidated Operations

Operations and Maintenance
Operations and maintenance highlights include:

In millions

NW Natural

2018

2017

2016

$ 155.2

$ 152.2

$ 136.0

Other NW Holdings
operations and maintenance

1.5

0.2

0.7

NW Holdings

$ 156.7

$ 152.4

$ 136.7

The significant drivers of changes in operations and 
maintenance expenses discussed below apply to both NW 
Holdings and NW Natural.

2018 COMPARED TO 2017. Operations and maintenance 
expense increased $4.3 million and $3.0 million for NW 
Holdings and NW Natural, respectively, primarily due to the 
following factors:
• 

a $3.4 million increase in NGD payroll and benefits due 
to increased headcount and general salary increases; 
and
a $3.2 million increase in NGD non-payroll costs 
primarily due to increases in general professional 
services and contract labor.

• 

2017 COMPARED TO 2016. Operations and maintenance 
expense increased $15.7 million and $16.2 million for NW 
Holdings and NW Natural, respectively, primarily due to the 
following factors:
• 

a $7.3 million increase in NGD payroll and benefits due 
to increased headcount and general salary increases; 
and
a $1.0 million increase in safety equipment upgrade 
costs.

• 

In millions

NW Natural

2018

2017

2016

$

85.0

$

81.0

$

77.6

Other NW Holdings
depreciation and amortization

0.2

0.1

—

NW Holdings

$

85.2

$

81.1

$

77.6

The significant drivers of changes in depreciation and 
amortization discussed below apply to both NW Holdings 
and NW Natural.

2018 COMPARED TO 2017. Depreciation and amortization 
expense increased by $4.1 million and $4.0 million for NW 
Holdings and NW Natural, respectively, primarily due to 
NGD plant additions that included investments in natural 
gas transmission and distribution systems supporting 
customer growth, safety, reliability, facility upgrades, and 
enhanced technology.

2017 COMPARED TO 2016. Depreciation and amortization 
expense increased by $3.5 million and $3.4 million for NW 
Holdings and NW Natural, respectively, primarily due to 
NGD plant additions that included investments in natural 
gas transmission and distribution systems, storage facilities, 
and technology.

Other Income (Expense), Net
Other income (expense), net highlights include:

In millions

2018

2017

2016

Pension and other
postretirement costs other than
service costs

Equity portion of AFUDC

Gains from company-owned life
insurance

Net interest income (expense)
on deferred regulatory accounts

Other non-operating

NW Natural total other income
(expense), net

$

(9.1) $

(6.1) $

(7.0)

4.1

1.7

1.7

(2.0)

2.7

2.5

2.0

(1.3)

$

(3.6) $

(0.2) $

—

1.7

(0.1)

(1.6)

(7.0)

(0.2)

Other NW Holdings activity

—

(0.1)

NW Holdings total other income
(expense), net

$

(3.6) $

(0.3) $

(7.2)

The significant drivers of changes in Other income 
(expense) discussed below apply to both NW Holdings and 
NW Natural.

2018 COMPARED TO 2017. Other income (expense), net, 
decreased $3.3 million and $3.4 million at NW Holdings and 
NW Natural, respectively, primarily due to a $3.0 million 
increase in pension and other postretirement non-service 
costs and $0.8 million lower gains from company-owned life 
insurance, partially offset by a $1.4 million increase in the 
equity portion of AFUDC.

42

2017 COMPARED TO 2016. Other income (expense), net, 
increased $6.9 million and $6.8 million at NW Holdings and 
NW Natural, respectively, primarily due to the January 2016 
Order from the OPUC, which resulted in a pre-tax $2.8 
million interest disallowance in 2016, an increase of $2.7 
million in the equity portion of AFUDC, and $0.8 million in 
higher gains from company-owned life insurance.

In addition to fluctuations in other income (expense), net 
reported above, from 2011 through October 31, 2018, NW 
Natural had OPUC approval to defer certain pension costs 
in excess of what was recovered in customer rates, with the 
majority of such costs being non-service component costs 
reflected within other income (expense), net. This pension 
cost deferral was recorded to a regulatory balancing 
account, which stabilized the amount of other income 
(expense), net each year. Total pension cost deferrals, 
excluding interest, were $10.3 million, $6.5 million, and $6.3 
million for the years ended December 31, 2018, 2017 and 
2016, respectively. As a result, increased pension costs had 
a minimal effect on other income (expense), net in 2018, 
2017, and 2016, with the increase principally related to the 
costs allocated to NW Natural's Washington operations, 
which were not covered by the pension balancing account. 

On October 26, 2018, the OPUC issued an order to freeze 
NW Natural's pension balancing account as of October 31, 
2018. The order directed NW Natural and the other parties 
to the rate case to engage in further regulatory proceedings 
extending the general rate case docket to resolve open 
issues with respect to the recovery of the pension balancing 
account. On February 4, 2019, NW Natural and the other 
parties to the rate case filed a joint stipulation with the 
OPUC outlining a resolution to the issue. See Note 9 and 
"Regulatory Matters—Regulatory Proceeding Updates— 
Oregon General Rate Case".

Interest Expense, Net 
Interest expense, net highlights include:

In millions

NW Natural

2018

2017

2016

$

37.0

$

37.5

$

38.1

Other NW Holdings interest
expense

0.1

—

—

NW Holdings

$

37.1

$

37.5

$

38.1

The significant drivers of changes in interest expense, net 
discussed below apply to both NW Holdings and NW 
Natural.

2018 COMPARED TO 2017. Interest expense, net of amounts 
capitalized decreased $0.4 million and $0.5 million at NW 
Holdings and NW Natural, respectively, primarily due to a 
$2.3 million increase in the interest-related portion of 
AFUDC, partially offset by increased commercial paper 
interest expenses of $1.6 million.

2017 COMPARED TO 2016.  Interest expense, net of amounts 
capitalized, decreased $0.6 million at both NW Holdings and 
NW Natural primarily due to a $2.1 million increase in the 
interest-related portion of AFUDC, partially offset by 
increased interest expense of $1.5 million due to the 
issuance of long-term debt in December 2016 and August 
2017. 

Income Tax Expense
NW Holdings income tax expense highlights include:

In millions

2018

2017

2016

Income tax expense

$ 24.2

$ 41.0

$ 43.0

Effects of non-GAAP 
adjustments(1)
Effects from the TCJA(1)

—

—

—

3.4

1.3

—

Adjusted income tax expense

$ 24.2

$ 44.4

$ 44.3

Effective tax rate

Adjusted effective tax rate

26.4%

26.4%

36.3%

39.3%

40.8%

40.8%

(1) See the Non-GAAP Reconciliations table at the beginning of Item 
7 for a reconciliation of this non-GAAP financial measure to its 
closest U.S.GAAP measure.

NW Natural income tax expense highlights include:

In millions

2018

2017

2016

Income tax expense

$ 24.5

$ 41.5

$ 43.3

Effects of non-GAAP 
adjustments(1)
Effects from the TCJA(1)

—

—

—

3.0

1.3

—

Adjusted income tax expense

$ 24.5

$ 44.5

$ 44.6

Effective tax rate

Adjusted effective tax rate

26.4%

26.4%

36.6%

39.3%

40.8%

40.8%

(1) See the Non-GAAP Reconciliations table at the beginning of Item 
7 for a reconciliation of this non-GAAP financial measure to its 
closest U.S.GAAP measure.

The significant drivers of changes in Income tax expense 
discussed below apply to both NW Holdings and NW 
Natural.

2018 COMPARED TO 2017. The effective tax rate decreased 
by 9.9% and 10.2% at NW Holdings and NW Natural, 
respectively, primarily due to a decline in the statutory 
income tax rate from 39.5% to 26.5% as a result of the 
TCJA enactment in 2017. Income tax expense decreased 
due to the TCJA and lower pre-tax income, partially offset by 
a benefit of $3.4 million recognized in 2017 at NW Holdings 
and a benefit of $3.0 million recognized in 2017 at NW 
Natural from the remeasurement of deferred tax balances 
upon the TCJA enactment date. Excluding the impact of the 
2017 remeasurement benefits of $3.4 million and $3.0 
million at NW Holdings and NW Natural, respectively, the 
adjusted effective tax rate decreased 12.9% at both NW 
Holdings and NW Natural due to the statutory tax rate 
declining from the TCJA. See the Non-GAAP reconciliations 
at the beginning of Item 7 for additional information.

2017 COMPARED TO 2016. The effective tax rate decreased 
by 4.5% and 4.2% at NW Holdings and NW Natural, 
respectively. Excluding the tax benefits associated with the 
TCJA enactment in 2017 of $3.4 million and $3.0 million at 
NW Holdings and NW Natural, respectively, and the $1.3 
million tax effects of non-GAAP adjustments in 2016 at both 
NW Holdings and NW Natural, the adjusted effective tax 
rate decreased 1.5% at both NW Holdings and NW Natural. 
See the Non-GAAP reconciliations at the beginning of Item 

43

information on the Sale Agreement and the results of our 
discontinued operations.

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. The CPUC also regulates the 
issuance of securities, system of accounts, and regulates 
intrastate storage services. The California Department of Oil 
Gas and Geothermal Resources (DOGGR) regulations for 
gas storage wells were finalized in June 2018, and the U.S. 
Department of Transportation's Pipeline and Hazardous 
Materials Safety Administration (PHMSA) proposed new 
federal regulations for underground natural gas storage 
facilities, which are expected to be finalized during 2019 and 
increase costs for all storage providers. NW Holdings will 
continue to monitor and assess the new regulations until the 
sale is complete, which is expected in 2019.

Short-term liquidity for Gill Ranch is supported by cash 
balances, internal cash flow from operations, equity 
contributions from its parent company, and, if 
necessary, additional external financing.  

FINANCIAL CONDITION

Capital Structure
One of our long-term goals is to maintain a strong and 
balanced consolidated capital structure, while maintaining a 
long-term target capital structure at NW Natural of 50% 
common stock and 50% long-term debt to align to 
allocations prescribed by NW Natural's regulators. 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 
paper maturities. See "Liquidity and Capital Resources" 
below and Note 8. 

Achieving our 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. 

NW Holdings' 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,

2018

2017

44.4%

47.1%

41.1

14.5

43.3

9.6

100.0%

100.0%

7 for additional information. The adjusted effective tax rate 
decreased primarily as a result of AFUDC equity income 
and increased stock-based compensation deductions in 
2017. 

Pending Sale of Gill Ranch Storage
On June 20, 2018, NWN Gas Storage, a wholly owned 
subsidiary of NW Holdings, entered into a Purchase and 
Sale Agreement (the Sale Agreement) that provides for the 
sale by NWN Gas Storage of all of its membership interests 
in Gill Ranch. Gill Ranch owns a 75% interest in the natural 
gas storage facility located near Fresno, California known as 
the Gill Ranch Gas Storage Facility. PG&E owns the 
remaining 25% interest in the Gill Ranch Facility. 

In the Sale Agreement, NWN Gas Storage makes 
representations and warranties concerning, among other 
things, Gill Ranch, the Gill Ranch Facility and Gill Ranch’s 
business and contractual relationships, and agrees to cause 
Gill Ranch to conduct its business and maintain its 
properties in the ordinary course, consistent with material 
agreements and past practice.  

The Sale Agreement provides for an initial cash purchase 
price of $25.0 million (subject to a working capital 
adjustment), plus potential additional payments to NWN Gas 
Storage of up to $26.5 million in the aggregate if Gill Ranch 
achieves certain economic performance levels for the first 
three full gas storage years (April 1 of one year through 
March 31 of the following year) occurring after the closing 
and the remaining portion of the gas storage year during 
which the closing occurs.

The closing of the transaction is subject to approval by the 
CPUC, other customary closing conditions and covenants, 
including the requirement that all of the representations and 
warranties be true and correct as of the closing date except, 
as would not, in the case of certain representations and 
warranties, be reasonably expected to have a material 
adverse effect on Gill Ranch. The agreement is subject to 
termination by either party if the transaction has not closed 
by June 20, 2019, subject to automatic extension for six 
months if the CPUC has not issued an order approving the 
transaction by that date.

In July 2018, Gill Ranch filed an application with the CPUC 
for approval of this transaction. On February 14, 2019, the 
active parties to the CPUC proceeding filed a settlement 
agreement with the CPUC. The CPUC is expected to rule 
on the settlement agreement within 90 days of its filing, but 
may grant further time for public comment. We expect an 
order on this matter by the end of June.

On January 29, 2019, PG&E filed voluntary petitions for 
relief under chapter 11 bankruptcy. Although we do not 
currently anticipate that the PG&E filing will affect the sale of 
Gill Ranch, we cannot fully predict the course of the 
bankruptcy proceedings or the impact on the sale and will 
continue to monitor the situation closely. We will continue to 
seek to close the transaction in the first half of 2019.

The results of Gill Ranch Storage have been determined to 
be discontinued operations and are presented separately, 
net of tax, from the results of continuing operations of NW 
Holdings for all periods presented. See Note 18 for more 

44

NW Natural's 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,

2018

2017

42.9%

47.1%

42.2

14.9

43.3

9.6

100.0%

100.0%

During 2018, changes to NW Holdings' and NW Natural's 
capital structures were primarily due to increases in short 
term debt at NW Natural partially offset by lower net 
proceeds from long-term debt activity at NW Natural. See 
further discussion below in "Cash Flows — Financing 
Activities". 

Liquidity and Capital Resources 
At December 31, 2018 and December 31, 2017, NW 
Holdings had approximately $12.6 million and $3.5 million, 
and NW Natural had approximately $7.9 million and $3.1 
million of cash and cash equivalents, respectively. In order 
to maintain sufficient liquidity during periods when capital 
markets are volatile, NW Holdings and NW Natural may 
elect to maintain higher cash balances and add short term 
borrowing capacity. NW Holdings and NW Natural may also 
pre-fund their respective capital expenditures when long-
term fixed rate environments are attractive. 

NW Holdings 
For NW Holdings, short-term liquidity is primarily provided 
by cash balances, dividends from its operating subsidiaries, 
in particular NW Natural, available cash from a multi-year 
credit facility, and short-term credit facilities. NW Holdings 
also has a universal shelf registration statement filed with 
the SEC for the issuance of debt and equity securities. NW 
Holdings long-term debt, if any, and equity issuances are 
primarily used to provide equity contributions to NW 
Holdings’ operating subsidiaries for operating and capital 
expenditures and other corporate purposes. NW Holdings' 
issuance of securities is not subject to regulation by state 
public utility commissions, but the dividends from NW 
Natural to NW Holdings are subject to regulatory ring-
fencing provisions.

As part of the ring-fencing conditions agreed upon with the 
OPUC and WUTC in connection with the holding company 
reorganization, NW Natural may not pay dividends or make 
distributions to NW Holdings if NW Natural’s credit ratings 
and common equity ratio fall below specified levels. If NW 
Natural’s long term secured credit ratings are below A- for 
S&P and A3 for Moody’s, dividends may be issued so long 
as NW Natural’s common equity ratio is 45% or more. If NW 
Natural’s long term secured credit ratings are below BBB for 
S&P and Baa2 for Moody’s, dividends may be issued so 
long as NW Natural’s common equity ratio is 46% or more. 
Dividends may not be issued if NW Natural’s long-term 
secured credit ratings are BB+ or below for S&P or Ba1 or 
below for Moody’s, or if NW Natural’s common equity ratio is 
below 44%. In each case, common equity ratios are 
determined based on a preceding or projected 13-month 
average. In addition, there are certain OPUC notice 

requirements for dividends in excess of 5% of NW Natural’s 
retained earnings.

Additionally, if NW Natural’s common equity (excluding 
goodwill and equity associated with non-regulated assets), 
on a preceding or projected 13-month average basis, is less 
than 46% of NW Natural’s capital structure (common equity 
and long-term debt excluding imputed debt or debt-like 
lease obligations), NW Natural is required to notify the 
OPUC, and if the common equity ratio falls below 44%, file a 
plan with the OPUC to restore its equity ratio to 44%. This 
condition is designed to ensure NW Natural continues to be 
adequately capitalized under the holding company structure. 
Under the WUTC order, the average common equity ratio 
must not exceed 56%.

At December 31, 2018, NW Natural satisfied the ring-
fencing provisions described above.

NW HOLDINGS DIVIDEND POLICY. Quarterly dividends have 
been paid on common stock each year since NW Holdings’ 
predecessor’s 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 to 
shareholders will depend upon earnings, cash flows, 
financial condition, NW Natural’s ability to pay dividends to 
NW Holdings and other factors. The amount and timing of 
dividends payable on common stock is at the sole discretion 
of the NW Holdings Board of Directors.

Based on several factors, including current cash reserves, 
committed credit facilities, its ability to receive dividends 
from its operating subsidiaries, in particular NW Natural, and 
an expected ability to issue long-term debt and equity 
securities in the capital markets, NW Holdings believes its 
liquidity is sufficient to meet anticipated near-term cash 
requirements, including all contractual obligations, investing, 
and financing activities as discussed in "Contractual 
Obligations and Cash Flows" below.

Natural Gas Distribution Segment  
For the NGD business segment, short-term borrowing 
requirements typically peak during colder winter months 
when the NGD business borrows money to cover the lag 
between natural gas purchases and bill collections from 
customers. Short-term liquidity for the NGD business 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, short-term credit facilities, company-owned life 
insurance policies, the sale of long-term debt, and equity 
contributions from NW Holdings. NW Natural's long-term 
debt and contributions from NW Holdings are primarily used 
to finance NGD capital expenditures, refinance maturing 
debt, and provide temporary funding for other general 
corporate purposes of the NGD business. 

Based on NW Natural's current debt ratings (see "Credit 
Ratings" below), it has been able to issue commercial paper 
and long-term debt at attractive rates and has not needed to 
borrow or issue letters of credit from its back-up credit 
facility. In the event NW Natural is not able to issue new 
debt due to adverse market conditions or other reasons, NW 
Natural expects that near-term liquidity needs can be met 

45

  
using internal cash flows, issuing commercial paper, 
receiving equity contributions from NW Holdings, or, for the 
NGD segment, drawing upon a committed credit facility. NW 
Natural also has a universal shelf registration statement filed 
with the SEC for the issuance of secured and unsecured 
debt securities. As of December 31, 2018, NW Natural has 
Board authorization to issue up to $325 million of additional 
FMBs and OPUC approval to issue up to $25 million of 
additional long-term debt for approved purposes.

In the event senior unsecured long-term debt ratings are 
downgraded, or outstanding derivative positions exceed a 
certain credit threshold, counterparties under derivative 
contracts could require NW Natural to post cash, a letter of 
credit, or other forms of collateral, which could expose NW 
Natural to additional cash requirements and may trigger 
increases in short-term borrowings while in a net loss 
position. NW Natural was not required to post collateral at 
December 31, 2018. However, if the credit risk-related 
contingent features underlying these contracts were 
triggered on December 31, 2018, assuming long-term debt 
ratings dropped to non-investment grade levels, NW Natural 
could have been required to post $4.5 million in collateral 
with our counterparties. See "Credit Ratings" below and 
Note 15. 

Other items that may have a significant impact on NW 
Natural's liquidity and capital resources include NW 
Natural's pension contribution requirements and 
environmental expenditures. 

PENSION CONTRIBUTION. NW Natural expects to make 
contributions to its company-sponsored defined benefit plan, 
which is closed to new employees, over the next several 
years until the plan is fully funded under the Pension 
Protection Act rules, including the 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. 

BONUS DEPRECIATION. Fifty percent bonus depreciation 
was available for a large portion of our capital expenditures 
in 2016 and 2017 for both federal and Oregon taxes. This 
reduced taxable income and provided cash flow benefits. 
However, due to the enactment of the TCJA on December 
22, 2017, bonus depreciation is eliminated for regulated 
NGD-business property acquired after December 31, 2017. 
Accordingly, we do not anticipate similar cash flow benefits 
related to bonus depreciation in the future.

ENVIRONMENTAL EXPENDITURES. NW Natural expects to 
continue using cash resources to fund environmental 
liabilities. In 2015, NW Natural received an Order from the 
OPUC regarding the SRRM mechanism and began 
recovering amounts through NGD business rates in 
November 2015. In addition, the OPUC issued a 
subsequent Order regarding SRRM implementation in 

January 2016. See Note 17, and "Results of Operations—
Regulatory Matters—Environmental Costs" above.

Based on several factors, including current credit ratings, 
NW Natural's commercial paper program, current cash 
reserves, committed credit facilities, and an expected ability 
to issue long-term debt and receive equity contributions 
from NW Holdings, NW Natural believes its liquidity is 
sufficient to meet anticipated near-term cash requirements, 
including all contractual obligations, investing, and financing 
activities as discussed in "Contractual Obligations" and 
"Cash Flows" below.

NW NATURAL DIVIDEND POLICY. The declarations and 
amount of future dividends to NW Holdings will depend 
upon earnings, cash flows, financial condition, the 
satisfaction of OPUC and WUTC regulatory ring-fencing 
restrictions, and other factors. The amount and timing of 
dividends payable on common stock is subject to approval 
of the NW Natural Board of Directors.

OFF-BALANCE SHEET ARRANGEMENTS. Except for certain 
lease and purchase commitments, NW Holdings and NW 
Natural have no material off-balance sheet financing 
arrangements. See "Contractual Obligations" below.

In October 2017, NW Natural entered into a 20-year 
operating lease agreement for a new headquarters location 
in Portland, Oregon. The existing headquarters lease 
expires in 2020 and after an extensive search and 
evaluation process with a focus on seismic preparedness, 
safety, reliability, least cost to customers and a continued 
commitment to NW Natural's employees and the 
communities NW Natural serves, NW Natural executed a 
new lease for suitable commercial office space in Portland, 
Oregon. Payments under the lease are expected to 
commence in 2020 and total estimated base rent payments 
over the life of the lease are approximately $160 million. NW 
Natural has the option to extend the term of the lease for 
two additional seven-year periods.

Additionally, the lease was analyzed in consideration of  
build-to-suit lease accounting guidance with the conclusion 
that NW Natural is the accounting owner of the asset during 
construction. As a result, NW Natural recognized $25.5 
million and $0.5 million during 2018 and 2017, respectively, 
in property, plant and equipment and an obligation in other 
non-current liabilities for the same amount on its 
consolidated balance sheet. These accounting transactions 
are non-cash in nature, and as such, are not included in the 
cash flow analysis and capital expenditures forecasts below, 
and have no impact on short-term liquidity. When the new 
lease accounting standard became effective for NW 
Holdings and NW Natural in 2019, the associated build-to-
suit asset and liability were de-recognized in accordance 
with the new standard. See Note 2 for more information on 
the impacts of the new lease standard.

46

Contractual Obligations
The following table shows contractual obligations from continuing operations at December 31, 2018 by maturity and type of 
obligation:

In millions

NW Natural

Short-term debt maturities

Long-term debt maturities

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

Operating leases
Gas purchases(2)

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

NW Natural Total

NW Holdings

Payments Due in Years Ending December 31,

2019

2020

2021

2022

2023

Thereafter

Total

$

217.5

$

— $

— $

— $

— $

— $

30.0

36.7

25.1

5.4

144.5

82.7

—

17.3

559.2

75.0

31.0

26.1

4.8

2.8

80.2

2.1

—

60.0

29.9

27.0

7.1

2.3

66.7

0.6

—

—

28.2

27.8

7.2

—

61.1

0.1

—

90.0

27.3

28.7

7.3

—

60.6

—

—

484.7

275.8

159.4

149.9

—

580.0

—

—

217.5

739.7

428.9

294.1

181.7

149.6

931.3

2.8

17.3

222.0

193.6

124.4

213.9

1,649.8

2,962.9

Short- and long-term obligations(5)

0.4

0.3

0.3

0.3

0.3

1.4

3.0

NW Holdings Total

$

559.6

$

222.3

$

193.9

$

124.7

$

214.2

$

1,651.2

$

2,965.9

(1)  Postretirement benefit payments primarily consists of two NW Natural items: (1) estimated pension and other postretirement 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 our withdrawal from the plan in December 2013. See Note 9.

(2)  Gas purchases include contracts which use price formulas tied to monthly index prices. The commitment amounts presented incorporate 

the December 2018 first of month index price for each supply basin from which gas is purchased. For a summary of gas purchase and gas 
pipeline capacity commitments, see Note 16.

(3)  Other purchase commitments primarily consist of 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.

(5)  Short- and long-term obligations include short- and long-term debt obligations and other immaterial liabilities.

In addition to known contractual obligations listed in the 
above table, NW Natural has 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 17 for a further discussion of environmental 
remediation cost liabilities.

At December 31, 2018, 635 of NW Natural's natural gas 
distribution employees were members of the Office and 
Professional Employees International Union (OPEIU) Local 
No. 11. In May 2014, our union employees ratified a new 
labor agreement (Joint Accord) that expires on 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. The remaining terms of 
Joint Accord include the following items: a scheduled 3% 
wage increase effective December 1 each year 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, a 401(k) contribution 
of 4% for employees hired after our pension plan was 
closed on December 31, 2009, and a 401(k) match of 50% 
of the first 6% of savings, and other flexibility provisions 
benefiting the Company. 

Short-Term Debt
The primary source of short-term liquidity for NW Holdings is 
cash balances, dividends from its operating subsidiaries, in 
particular NW Natural, available cash from a multi-year 
credit facility, and short-term credit facilities it may enter into 
from time to time.

The primary source of short-term liquidity for NW Natural is 
from the sale of commercial paper and bank loans. NW 
Holdings and NW Natural have separate commercial paper 
programs and separate bank facilities. In addition to issuing 
commercial paper or bank loans 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 capital requirements. 
For NW Natural, commercial paper and bank loans are 
periodically refinanced through the sale of long-term debt or 
equity contributions from NW Holdings. Commercial paper, 
when outstanding, is sold through two commercial banks 
under an issuing and paying agency agreement and is 
supported by one or more unsecured revolving credit 
facilities. See “Credit Agreements” below. 

At December 31, 2018 and 2017, NW Holdings had short-
term debt outstanding of $217.6 million and $54.2 million, 
respectively, and NW Natural had short-term debt 
outstanding of $217.5 million and $54.2 million, respectively.  

47

 
 
 
The weighted average interest rate on commercial paper 
outstanding at December 31, 2018 and 2017 was 3.0% and 
1.9%, respectively.

NW Holdings had $2.8 million of letters of credit issued and 
outstanding, separate from the aforementioned credit 
agreement, at December 31, 2018.

Credit Agreements

NW Holdings
In October 2018, NW Holdings entered into a $100 million 
credit agreement, with a feature that allows it to request 
increases in the total commitment amount, up to a maximum 
of $150 million. The maturity date of the agreement is 
October 2, 2023, with available extension of commitments 
for two additional one-year periods, subject to lender 
approval. 

All lenders under the NW Holdings credit agreement are 
major financial institutions with committed balances and 
investment grade credit ratings as of December 31, 2018 as 
follows:

NW Natural
In October 2018, NW Natural entered into a new multi-year 
credit agreement for unsecured revolving loans totaling 
$300 million, with a feature that allows NW Natural to 
request increases in the total commitment amount, up to a 
maximum of $450 million. The maturity date of the 
agreement is October 2, 2023 with an available extension of 
commitments for two additional one-year periods, subject to 
lender approval. NW Natural concurrently terminated its 
prior credit agreement upon the closing of the new 
agreement.

All lenders under the NW Natural credit agreement are 
major financial institutions with committed balances and 
investment grade credit ratings as of December 31, 2018 as 
follows:

In millions

Lender rating, by category

Loan Commitment

In millions

AA/Aa

A/A1

Total

$

$

100

—

100

Lender rating, by category

Loan Commitment

AA/Aa

A/A1

Total

$

$

300

—

300

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

The NW Holdings credit agreement permits the issuance of 
letters of credit in an aggregate amount of up to $40 million. 
The principal amount of borrowings under the credit 
agreement is due and payable on the maturity date. The 
credit agreement requires NW Holdings 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. NW 
Holdings was in compliance with this covenant at December 
31, 2018, with a consolidated indebtedness to total 
capitalization ratio of 55.6%.

The agreement also requires NW Holdings to maintain debt 
ratings (which are defined by a formula using NW Natural's 
credit ratings in the event NW Holdings does not have a 
credit rating) with Standard & Poor's (S&P) and Moody's 
Investors Service, Inc. (Moody’s) and notify the lenders of 
any change in its senior unsecured debt ratings or senior 
secured debt ratings, as applicable, by such rating 
agencies. A change in NW Holdings' 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. NW Holdings 
does not currently maintain ratings with S&P or Moody's.

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

The NW Natural credit agreement permits the issuance of 
letters of credit in an aggregate amount of up to $60 million. 
The principal amount of borrowings under the credit 
agreement is due and payable on the maturity date. There 
were no outstanding balances under this credit agreement 
or the prior credit agreement at December 31, 2018 or 2017. 
The credit agreement requires NW Natural 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. NW 
Natural was in compliance with this covenant at December 
31, 2018 and 2017, with consolidated indebtedness to total 
capitalization ratios of 57.1% and 52.9%, respectively.

The agreement also requires NW Natural to maintain credit 
ratings with S&P and Moody’s and notify the lenders of any 
change in NW Natural's senior unsecured debt ratings or 
senior secured debt ratings, as applicable, by such rating 
agencies. A change in NW Natural's 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 agreement 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 
agreement when ratings are changed. See "Credit Ratings" 
below.

48

Credit Ratings
NW Holdings does not currently maintain ratings with S&P 
or Moody's. NW Natural's credit ratings are a factor of 
liquidity, potentially affecting access to the capital markets 
including the commercial paper market. NW Natural's credit 
ratings also have an impact on the cost of funds and the 
need to post collateral under derivative contracts. The 
following table summarizes NW Natural's current credit 
ratings:

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

Negative

The above credit ratings and ratings outlook 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 Holdings or NW Natural securities. 
Each rating should be evaluated independently of any other 
rating.

As part of the ring-fencing conditions agreed upon with the 
OPUC and WUTC in connection with the holding company 
reorganization, NW Holdings and NW Natural are required 
to maintain separate credit ratings, long-term debt ratings, 
and preferred stock ratings, if any. 

Long-Term Debt
The following NW Natural debentures were retired in the 
periods indicated:

In millions

NW Natural First Mortgage Bonds

Years Ended December 31,

2018

2017

2016

Series 5.15% due 2016

$ — $ — $

Series 7.00% due 2017

Series 6.60% due 2018

Series 1.55% due 2018

Total

—

22

75

97

$

40

—

—

40

$

$

25

—

—

—

25

Bankruptcy Ring-fencing Restrictions
As part of the ring-fencing conditions agreed upon with the 
OPUC and WUTC in connection with the holding company 
reorganization, NW Natural is required to have one director 
who is independent from NW Natural management and from 
NW Holdings and to issue one share of NW Natural 
preferred stock to an independent third party. NW Natural 
was in compliance with both of these ring-fencing provisions 
as of December 31, 2018. NW Natural may file a voluntary 
petition for bankruptcy only if approved unanimously by the 
Board of Directors of NW Natural, including the independent 
director, and by the holder of the preferred share.

Cash Flows

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

Operating activity highlights include:

NW Holdings

In millions

2018

2017

2016

Cash provided by operating
activities

$ 168.8

$ 206.7

$ 222.1

NW Natural

In millions

2018

2017

2016

Cash provided by operating
activities

$ 173.5

$ 206.5

$ 222.2

The significant drivers of changes in cash provided by 
operating activities discussed below apply to both NW 
Holdings and NW Natural.

2018 COMPARED TO 2017. The significant factors 
contributing to the $37.9 million and $33.0 million decreases 
in NW Holdings and NW Natural cash flow provided by 
operating activities, respectively, were as follows:
• 

a decrease of $31.5 million in cash flow benefits from 
changes in deferred gas cost balances primarily due to 
higher gas prices in the fourth quarter of 2018 and 
lower current year PGA rates reflecting over-collections 
of certain fixed costs from customers in the prior year 
when weather was colder than average;
a decrease of $12.6 million due to $27.4 million income 
taxes paid in 2018 due to the elimination of bonus 
depreciation as a result of the TCJA, compared to 
income taxes paid of $14.8 million in 2017; partially 
offset by
a net increase of $10.2 million from changes in working 
capital related to receivables, inventories, and accounts 
payable reflecting warmer than average weather in 
2018 compared to the prior period; and
an increase of $3.9 million due to a decrease in 
contributions paid to qualified defined benefit pension 
plans

• 

• 

• 

2017 COMPARED TO 2016. The significant factors 
contributing to the $15.4 million and $15.7 million decreases 
in NW Holdings and NW Natural cash flows provided by 
operating activities, respectively, were as follows:
• 

a decrease of $21.9 million due to $14.8 million income 
taxes paid in 2017 compared to a refund of $7.2 million 
in 2016 as a result of the enactment of bonus 
depreciation in December 2015; 
a decrease of $5.0 million due to an increase in 
contributions paid to qualified defined benefit pension 
plans; and 
a net decrease of $12.2 million from changes in working 
capital related to receivables, inventories, and accounts 
payable reflecting colder than average weather in 2017 
compared to the prior period; partially offset by

• 

• 

49

 
 
 
Mist Gas Storage Expansion Project as well as customer 
growth, system reinforcement, technology, and facilities. 

NW NATURAL
2018 COMPARED TO 2017. The $24.3 million increase in cash 
used in investing activities was primarily due to NW 
Natural's initial cash contribution of $20 million to its then 
subsidiary, and now parent, NW Holdings, in addition to 
continued capital expenditures primarily related to NW 
Natural's North Mist Gas Storage Expansion Project as well 
as customer growth, system reinforcement, technology, and 
facilities.

2017 COMPARED TO 2016. The $77.6 million increase in cash 
used in investing activities was primarily due to higher 
capital expenditures primarily related to NW Natural's North 
Mist Gas Storage Expansion Project as well as customer 
growth, system reinforcement, technology, and facilities. 

The operating subsidiaries of NW Holdings invest in capital 
expenditures to maintain and enhance the safety and 
integrity of their distribution systems, to expand the reach or 
capacity of those assets, and improve the efficiency of 
operations. 

CAPITAL EXPENDITURES. NW Holdings' largest subsidiary, 
NW Natural, expects to make a significant level of 
investments in its NGD segment in 2019 and through 2023. 
Over the five-year period from 2019 to 2023, the NGD 
segment is expected to invest $820 to $910 million in capital 
expenditures to support system reliability, customer growth, 
and operate effective technology for the business. In 2019, 
NW Natural anticipates several significant projects for the 
NGD segment, including completing the replacement of end 
of life equipment at the Mist gas storage facility, and 
renovating several resource facilities across NW Natural's 
service territory. Projects in 2019 also include leasehold 
improvements and technology for the new headquarters in 
Portland, Oregon and the completion of the North Mist gas 
storage expansion project.

NW Holdings' wholly-owned water subsidiaries expect to 
invest in their facilities to support growth and upgrade their 
systems with $30 to $40 million expected to be invested 
from 2019 to 2023. NW Holdings expects an immaterial 
amount of non-NGD capital investments for Gill Ranch and 
other activities in 2019 and through 2023. 

Investments in our infrastructure during and after 2019 
beyond the amounts provided below will depend largely on 
additional regulations, growth, and expansion opportunities. 

• 

an increase of $27.3 million in cash flow benefits from 
changes in deferred gas cost balances primarily due to 
the $19.4 million gas cost savings credited to 
customers in 2016 that did not occur in 2017.

During the year ended December 31, 2018, NW Natural 
contributed $15.5 million to its qualified defined benefit 
pension plan, compared to $19.4 million for 2017 and $14.5 
million for 2016. The amount and timing of future 
contributions will depend on market interest rates and 
investment returns on the plans’ assets. See Note 9.

Bonus depreciation of 50% was available for a large portion 
of capital expenditures for federal and Oregon purposes in 
2016 and 2017. This reduced our taxable income and 
provided cash flow benefits. Bonus depreciation for 2015 
was not enacted until December 18, 2015, and was 
extended retroactively back to January 1, 2015 of the 
respective year. As a result, estimated income tax payments 
were made throughout 2015 without the benefit of bonus 
depreciation for the year. This delayed the cash flow benefit 
of bonus depreciation until refunds could be requested and 
received. We received refunds of federal income tax 
overpayments of $7.9 million during 2016. As a result of the 
enactment of the TCJA on December 22, 2017, bonus 
depreciation was eliminated for NGD business property 
acquired after December 31, 2017. Accordingly, we do not 
anticipate similar cash flow benefits related to bonus 
depreciation in the future.

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 16.

Investing Activities
Investing activity highlights include:

NW Holdings

In millions

2018

2017

2016

Total cash used in investing
activities

$ (217.5) $ (214.2) $ (136.6)

Capital expenditures

(214.6)

(213.3)

(138.4)

NW Natural

In millions

2018

2017

2016

Total cash used in investing
activities

$ (238.5) $ (214.2) $ (136.6)

Capital expenditures

(214.3)

(213.3)

(138.4)

NW HOLDINGS
2018 COMPARED TO 2017. The $3.3 million increase in cash 
used in investing activities was primarily due to continued 
capital expenditures primarily related to NW Natural's North 
Mist Gas Storage Expansion Project as well as customer 
growth, system reinforcement, technology, and facilities.

2017 COMPARED TO 2016. The $77.6 million increase in cash 
used in investing activities was primarily due to higher 
capital expenditures primarily related to NW Natural's North 

50

For 2019, capital expenditures are estimated, on an accrual 
basis, to be as follows:

In millions

NGD

One-Year Outlook

2019

Low

High

Core capital expenditures

$

150 $

165

Significant projects:

Growth & reliability

Facilities & technology

North Mist expansion

Total projects

Total NGD

Other

Total

15

42

18

75

225

5

25

57

18

100

265

5

$

230 $

270

Required funds for the investments are expected to be 
internally generated and/or financed with long-term debt or 
equity, as appropriate.

Financing Activities
Financing activity highlights include:

NW Holdings

In millions

2018

2017

2016

Total cash provided by (used
in) financing activities

$

57.8

$

Change in short-term debt

Change in long-term debt

163.3

(47.0)

7.4

0.9

$

(86.2)

(216.7)

60.0

125.0

Change in common stock
issued, net

—

—

52.8

NW Natural

In millions

2018

2017

2016

Total cash provided by (used
in) financing activities

$

69.8

$

Change in short-term debt

Change in long-term debt

163.3

(47.0)

7.4

0.9

$

(86.2)

(216.7)

60.0

125.0

Change in common stock
issued, net

—

—

52.8

NW HOLDINGS
2018 COMPARED TO 2017. The $50.4 million increase in cash 
provided by financing activities was primarily due to $162.4 
million higher short-term debt issuances, partially offset by 
$107.0 million lower net proceeds from long-term debt 
activity in 2018.

2017 COMPARED TO 2016. The $93.6 million increase in cash 
provided by financing activities was primarily due to $217.6 
million lower repayments of short-term debt compared to the 
prior period, partially offset by $65.0 million lower net 
proceeds from long-term debt activity in 2017 and $52.8 
million of common stock proceeds in 2016.

NW NATURAL
2018 COMPARED TO 2017. The $62.4 million increase in cash 
provided by financing activities was primarily due to 
increases in short term debt issuances of $162.4 million, 
partially offset by $107.0 million lower net proceeds from 
long-term debt activity in 2018. NW Natural cash provided 
by financing activities was $12.0 million higher in 
comparison to NW Holdings primarily due to the payment of 
the November 15, 2018 dividend to NW Holdings 
shareholders using NW Holdings funds.

2017 COMPARED TO 2016.The $93.6 million increase in cash 
provided by financing activities was primarily due to $217.6 
million lower repayments of short-term debt compared to the 
prior period, partially offset by $65 million lower net 
proceeds from long-term debt activity in 2017 and $52.8 
million of common stock proceeds in 2016.

Pension Cost and Funding Status of Qualified 
Retirement Plans
NW Natural's 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 NW Natural's qualified 
defined benefit plan, which is allocated between operations 
and maintenance expenses, capital expenditures, and 
through October 31, 2018, the deferred regulatory balancing 
account, totaled $20.7 million in 2018, an increase of $2.6 
million from 2017. The fair market value of pension assets in 
this plan decreased to $257.8 million at December 31, 2018 
from $287.9 million at December 31, 2017. The decrease 
was due to a loss on plan assets of $25.9 million and benefit 
payments of $19.7 million, offset by $15.5 million in 
employer contributions.

Contributions made to NW Natural's company-sponsored 
qualified defined benefit pension plan are based on actuarial 
assumptions and estimates, tax regulations, and funding 
requirements under federal law. The qualified defined 
benefit pension plan was underfunded by $162.4 million at 
December 31, 2018. NW Natural plans to make 
contributions during 2019 of $11.0 million. See Note 9 for 
further pension disclosures.

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, 2018, NW Natural's total estimated liability 
related to environmental sites was $128.7 million. See Note 
17 and "Results of Operations—Regulatory Matters—Rate 
Mechanisms—Environmental Costs" above.

NW Holdings is not currently party to any direct claims or 
litigation, though in the future it may be subject to claims 
and litigation arising in the ordinary course of business.  

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.

51

  
APPLICATION OF CRITICAL ACCOUNTING POLICIES 
AND ESTIMATES

In preparing financial statements in accordance with U.S. 
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 critical accounting policies to be those which are 
most important to the representation of 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 reported under different conditions or 
used different assumptions. Our most critical estimates and 
judgments for both NW Holdings and NW Natural include 
accounting for:
•  regulatory accounting;
•  revenue recognition;
•  derivative instruments and hedging activities;
•  pensions and postretirement benefits;
•  income taxes;
•  environmental contingencies; and
•  impairment of long-lived assets and goodwill.

Management has discussed its current estimates and 
judgments used in the application of critical accounting 
policies with the Audit Committees of the Boards of NW 
Holdings and NW Natural. Within the context of 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. 

Regulatory Accounting
The NGD segment is regulated by the OPUC and WUTC, 
which establish the rates and rules governing services 
provided to customers, and, to a certain extent, set forth 
special accounting treatment for certain regulatory 
transactions. In general, the same accounting principles as 
non-regulated companies reporting under U.S. GAAP are 
used. However, authoritative guidance for regulated 
operations (regulatory accounting) requires different 
accounting treatment for regulated companies to show the 
effects of such regulation. For example, NW Natural 
accounts 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 NW Natural to defer for recovery or refund in future 
periods. Regulatory accounting requires NW Natural to 
account for these types of deferred expenses (or deferred 
revenues) as regulatory assets (or regulatory liabilities) on 
the balance sheet. When the recovery of these regulatory 
assets from, or refund of  regulatory liabilities to, customers 
is approved, NW Natural recognizes the expense or 
revenue on the income statement at the same time the 
adjustment to amounts included in rates charged to 
customers.

The conditions that must be satisfied 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 NW Natural's NGD operations satisfy all three 
conditions, NW Natural continues to apply regulatory 
accounting to NGD operations. Future accounting changes, 
regulatory changes, or changes in the competitive 
environment could require NW Natural 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, NW Natural believes it is reasonable to expect 
continued application of regulatory accounting for NGD 
activities. Further, it is reasonable to expect the recovery or 
refund of NW Natural's regulatory assets and liabilities at 
December 31, 2018 through future customer rates. If it is 
determined that all or a portion of these regulatory assets or 
liabilities no longer meet the criteria for continued 
application of regulatory accounting, then NW Natural 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 
was a net liability of $245.3 million and a net liability of 
$217.7 million as of December 31, 2018 and 2017, 
respectively. See Note 2 for more detail on regulatory 
balances.

Revenue Recognition 
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 the policy regarding accrued unbilled 
revenue, most of which relates to the NGD business at NW 
Natural, 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)(1)
Margin increase (decrease)(1)

$

Net income before tax increase 
(decrease)(1)

2018

Up 1%

Down 1%

$

0.8

0.1

0.1

(0.8)

(0.1)

(0.1)

(1) 

Includes impact of regulatory mechanisms including decoupling 
mechanism and excludes the impact of unbilled revenue from water 
services.

Derivative Instruments and Hedging Activities  
NW Natural's 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. Financial derivative contracts are 

52

 
  
utilized to hedge a portion of natural gas sale requirements. 
These contracts include swaps, options, and combinations 
of option contracts. NW Natural primarily uses these 
derivative financial instruments to manage commodity price 
variability. A small portion of NW Natural's derivative 
hedging strategy involves foreign currency exchange 
contracts. 

Derivative instruments are recorded on the 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, and no unrealized gain or 
loss is recognized in current income or loss. See 
"Regulatory Accounting" above for additional information. 
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, NGD business customers in 
future periods. 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 which is 
either in current income or loss or in accumulated other 
comprehensive income or loss (AOCI or AOCL). Derivative 
contracts outstanding at December 31, 2018, 2017 and 
2016 were measured at fair value using models or other 
market accepted valuation methodologies derived from 
observable market data. Estimates of fair value may change 
significantly from period-to-period depending on market 
conditions and prices. These changes may have an impact 
on results of operations, but the impact would largely be 
mitigated due to the majority of derivative activities being 
subject to regulatory deferral treatment. For more 
information on derivative activity and associated regulatory 
treatment, see Note 2 and Note 15.

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

In millions

2018

2017

2016

NGD business net loss on:

Commodity Swaps

$

7.4

$

7.8

$

26.9

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

Pensions and Postretirement Benefits
NW Natural maintains 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. NW Natural 
also has 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. Non-
union and union employees hired or re-hired after 
December 31, 2006 and 2009, respectively, and employees 
of certain NW Holdings subsidiaries are provided an 

53

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 9. 

Accounting standards also require balance sheet 
recognition of unamortized actuarial gains and losses and 
prior service costs in AOCI or AOCL, net of tax. However, 
the retirement benefit costs related to qualified defined 
benefit pension and postretirement benefit plans are 
generally recovered in rates charged to NGD customers, 
which are set based on accounting standards for pensions 
and postretirement benefit expenses. As such, NW Natural 
received approval from the OPUC to recognize the 
unamortized actuarial gains and losses and prior service 
costs 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, NW Natural received regulatory approval from the 
OPUC and began deferring a portion of pension expense 
above or below the amount set in rates to a regulatory 
balancing account on the balance sheet. On October 26, 
2018, the OPUC issued an order to freeze NW Natural's 
pension balancing account as of October 31, 2018. The 
order directed NW Natural and the other parties to the rate 
case to engage in further regulatory proceedings extending 
the general rate case docket to resolve open issues with 
respect to the recovery of the pension balancing account. 
On February 4, 2019, NW Natural and the other parties to 
the rate case filed a joint stipulation with the OPUC outlining 
a resolution to the issue. See "Regulatory Matters-
Regulatory Proceeding Updates-Oregon General Rate 
Case" for more information. At December 31, 2018, the 
cumulative amount deferred for future pension cost recovery 
was $74.2 million, including accrued interest. The regulatory 
balancing account includes the recognition of accrued 
interest on the account balance at NW Natural's authorized 
rate of return, with the equity portion of this interest 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, 2018 measurement date, NW Natural 
reviewed and updated:
• 

the weighted-average discount rate assumptions for 
pensions increased from 3.52% for 2017 to 4.20% for 
2018, and our weighted-average discount rate 
assumptions for other postretirement benefits increased 
from 3.44% for 2017 to 4.13% for 2018. 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 FTSE Above Median Curve, which 
consists of high quality bonds rated AA- or higher by 
S&P or Aa3 or higher by Moody’s;

  
• 

• 

• 

• 

the expected annual rate of future compensation 
increases, which was updated to a range of 3.25% to 
3.5% at December 31, 2018;
the expected long-term return on qualified defined 
benefit plan assets, which remained unchanged at a 
rate of 7.50%; 
the mortality rate assumptions were updated from 
RP-2006 mortality tables for employees and healthy 
annuitants with a fully generational projection using 
scale MP-2017 to RP-2014 mortality tables using scale 
MP-2018, which contributed to the decrease of our 
projected benefit obligation; and
other key assumptions, which were based on actual 
plan experience and actuarial recommendations.

At December 31, 2018, the net pension liability (benefit 
obligations less market value of plan assets) for NW 
Natural's qualified defined benefit plan increased $0.7 
million compared to 2017. The increase in the net pension 
liability is primarily due to the $30.1 million decrease in plan 
assets, partially offset by a $29.5 million decrease in the 
pension benefit obligation. The liability for non-qualified 
plans decreased $1.3 million, and the liability for other 
postretirement benefits decreased $0.8 million in 2018.

The expected long-term rate of return on plan assets is 
determined by averaging the expected earnings for the 
target asset portfolio. In developing expected return, 
historical actual performance and long-term return 
projections are analyzed, which gives consideration to the 
current asset mix and target asset allocation. 

NW Natural believes its pension assumptions are 
appropriate based on plan design and an assessment of 
market conditions. The following shows the sensitivity of 
retirement benefit costs and benefit obligations to changes 
in certain actuarial assumptions:

Change in
Assumption

(0.25)%

Impact on
2018
Retirement
Benefit
Costs

Impact on
Retirement
Benefit
Obligations
at Dec. 31,
2018

$

$

1.5

0.1

—

13.4

0.8

0.8

(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 MAP-21 into law. 
This 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 as well as increasing the 
operational costs of running a pension plan. Prior to 
MAP-21, interest rates based on a 24-month average yield 
of investment grade corporate bonds (also referred to as 

"segment rate") were used to calculate minimum 
contribution requirements. MAP-21 established a new 
minimum and maximum corridor for segment rates based on 
a 25-year average of bond yields, which resulted in lower 
minimum contributions requirements than those under 
previous regulations. In August 2014, HATFA was signed 
and extended funding relief for an additional five years.

Income Taxes
Valuation Allowances 
Deferred tax assets are recognized to the extent that these 
assets are believed to be more likely than not to be realized. 
In making such a determination, available positive and 
negative evidence is considered, including future reversals 
of existing taxable temporary differences, projected future 
taxable income, tax-planning strategies, and results of 
recent operations. NW Holdings and NW Natural have 
determined that all recorded deferred tax assets are more 
likely than not to be realized as of December 31, 2018. See 
Note 10.

Uncertain Tax Benefits 
The calculation of 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. NW 
Holdings and NW Natural participate in the Compliance 
Assurance Process (CAP) with the Internal Revenue 
Service (IRS). Under the CAP program companies work 
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 
2018, 2017, or 2016. See Note 10.

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.

On December 22, 2017, H.R.1 - An Act to provide for 
reconciliation pursuant to titles II and V of the concurrent 
resolution on the budget for fiscal year 2018, also known as 
the Tax Cuts and Jobs Act (TCJA), was enacted. The TCJA 
lowers the U.S. federal corporate income tax rate to 21% 
from the existing maximum rate of 35%, effective for our tax 
year beginning January 1, 2018. The TCJA includes specific 
provisions related to regulated public utilities that generally 
provide for the continued deductibility of interest expense 
and the elimination of bonus depreciation. Certain rate 
normalization requirements for accelerated cost recovery 
benefits related to regulated plant balances also continue. 
See Note 10 for more information on how we are impacted 
by the TCJA.

The reduced U.S. corporate income tax rate had a material 
impact on our financial statements in 2017. As a result of the 
reduction of the U.S. corporate income tax rate to 21%, U.S. 
GAAP requires deferred tax assets and liabilities be 

54

revalued as of the date of enactment, with resulting tax 
effects accounted for in the reporting period of enactment. 
We recorded a net revaluation of deferred tax asset and 
liability balances of $196.4 million as of December 31, 2017, 
utilizing the reduced federal rate of 21% expected to apply 
when these temporary differences are realized or settled, 
based upon balances in existence at the date of enactment. 
This revaluation had no impact on our 2017 cash flows. 

With respect to other tax legislation, the final tangible 
property regulations applicable to all taxpayers were issued 
on September 13, 2013 and were 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 the near future. We will further evaluate 
the effect of these regulations after this guidance is issued, 
but believe the current method is materially consistent with 
the new regulations and do not expect this additional 
guidance to have a material effect on our financial 
statements.

Regulatory Matters 
Regulatory tax assets and liabilities are recorded to the 
extent it is probable they will be recoverable from, or 
refunded to, customers in the future. At December 31, 2018 
and 2017, NW Natural had net regulatory income tax assets 
of $21.4 million and $22.2 million, respectively, representing 
future rate recovery of deferred tax liabilities resulting from 
differences in NGD plant financial statement and tax bases 
and NGD plant removal costs. These regulatory assets are 
currently being recovered through customer rates. In 2017, 
the regulatory asset balance, and its associated deferred tax 
liability, were both reduced by $17.4 million as a result of the 
TCJA revaluation to reflect the lower corporate income tax 
rate. At December 31, 2018 and 2017, regulatory income 
tax assets of $2.3 million and $0.9 million, respectively, were 
recorded by NW Natural, representing probable future rate 
recovery of deferred tax liabilities resulting from the equity 
portion of AFUDC. In 2017, the regulatory asset balance, 
and its associated deferred tax liability, were both reduced 
by $0.8 million as a result of the TCJA revaluation to reflect 
the lower corporate income tax rate.

On December 29, 2017, NW Natural filed applications with 
the OPUC and WUTC seeking authorization to defer the 
overall net benefits of NGD resulting from the TCJA. On the 
same day, Staff of the OPUC filed an application seeking 
deferral of changes in NW Natural’s federal tax obligations 
resulting from the TCJA. On January 8, 2018, the WUTC 
issued a statement acknowledging receipt of NW Natural’s 
application and indicating their intention to incorporate the 
impact into future rate case proceedings.

At December 31, 2018 and 2017, regulatory liability 
balances, representing the estimated net benefit to NGD 
customers resulting from the change in deferred taxes as a 
result of the TCJA, of $217.1 million and $213.3 million, 
respectively, were recorded by NW Natural. These balances 
include a gross up for income taxes of $57.5 and $56.5 
million, respectively. 

55

The TCJA includes specific guidance for determining the 
shortest time period over which the portion of this regulatory 
liability resulting from accelerated cost recovery of NGD 
plant may accrue to the benefit of customers to avoid 
incurring federal normalization penalties. However, it is 
anticipated that until such time that customers receive the 
direct benefit of this regulatory liability, the balance, net of 
the additional gross up for income taxes, will continue to 
provide an indirect benefit to customers by reducing the 
NGD rate base which determines customer rates for 
service. It is not possible at this time to determine when the 
final resolution of these regulatory proceedings will occur, 
and as result, this regulatory liability is classified as non-
current. On February 4, 2019, NW Natural and the parties to 
the 2018 Oregon rate case filed a joint stipulation 
addressing the return of net tax benefits to customers. See 
"Regulatory Matters-Regulatory Proceeding Updates-
Oregon General Rate Case" for more information.

NGD rates in effect for Oregon through October 31, 2018 
and for Washington through December 31, 2018 included 
an allowance to provide for the recovery of the anticipated 
provision for income taxes incurred as a result of providing 
regulated services. The provision for income taxes during 
these periods included an allowance for federal income 
taxes determined by utilizing the pre-TCJA federal corporate 
income tax rate of 35 percent. NW Natural recorded an 
additional regulatory liability representing the deferral of 
NGD’s net benefit from a lower provision for income taxes 
due to the newly enacted 21 percent federal corporate 
income tax rate, including a gross up for income taxes. As of 
December 31, 2018, a regulatory liability of $8.2 million, 
including accrued interest, was recorded to reflect this 
revenue deferral.

Environmental Contingencies  
Environmental liabilities are accounted for 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. 
Amounts recorded for environmental contingencies take 
numerous factors into consideration, including, among other 
variables, changes in enacted laws, regulatory orders, 
estimated remediation costs, interest rates, insurance 
proceeds, participation by other parties, timing of payments, 
and the input of legal counsel and third-party experts. 
Accordingly, changes in any of these variables or other 
factual circumstances could have a material impact on the 
amounts recorded for our environmental liabilities. For a 
complete discussion of environmental accounting policies 
refer to Note 2. For a discussion of current environmental 
sites and liabilities refer to Note 17. In addition, for 
information regarding the regulatory treatment of these 
costs and NW Natural's regulatory recovery mechanism, 
see "Results of Operations—Regulatory Matters—Rate 
Mechanisms—Environmental Costs" above.

Impairment of Long-Lived Assets and Goodwill
Long-lived assets
We review the carrying value of long-lived assets whenever 
events or changes in circumstances indicate 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 

liabilities, respectively, and, the results of Gill Ranch are 
presented separately from the results of continuing 
operations, net of tax, as discontinued operations for the 
consolidated results of NW Holdings in all periods 
presented. The expenses included in the results of 
discontinued operations within the consolidated results of 
NW Holdings are the direct operating expenses incurred by 
Gill Ranch that may be reasonably segregated from the 
costs of our continuing operations. See "Results of 
Operations - Pending Sale of Gill Ranch Storage" above, 
Note 4, and Note 18 for additional information.

Goodwill
In a business combination, goodwill is initially measured as 
any excess of the acquisition-date fair value of the 
consideration transferred over the acquisition-date fair value 
of the net identifiable assets acquired.

The carrying value of goodwill is reviewed annually during 
the fourth quarter using balances as of October 1, or 
whenever events or changes in circumstance indicate that 
such carrying values may not be recoverable.

NW Holdings and NW Natural early-adopted ASU 2017-04, 
"Simplifying the Test for Goodwill Impairment" in the third 
quarter of 2018. The ASU removes Step 2 from the goodwill 
impairment test and under the amended guidance an entity 
should perform its annual goodwill impairment test by 
comparing the fair value of a reporting unit with its carrying 
amount and recognize an impairment charge for the amount 
in which the carrying amounts exceed the fair value of the 
reporting unit. In accordance with the updated guidance per 
ASU 2017-04, NW Holdings' and NW Natural's policy for 
goodwill assessments begins with a qualitative analysis in 
which events and circumstances are evaluated, including 
macroeconomic conditions, industry and market conditions, 
regulatory environments, and the overall financial 
performance of the reporting unit. If the qualitative 
assessment indicates that the carrying value may be at risk 
of recoverability, a quantitative evaluation is performed to 
measure the carrying value against the fair value of the 
reporting unit. This evaluation may involve the assessment 
of future cash flows and other subjective factors for which 
uncertainty exists and could impact the estimation of future 
cash flows. These factors include, but are not limited to, the 
amount and timing of future cash flows, future growth rates, 
and the discount rate. Unforeseen events and changes in 
circumstances or market conditions could adversely affect 
these estimates, which could result in an impairment 
charge. A qualitative assessment was performed during the 
fourth quarter of 2018 which indicated a quantitative 
assessment was not required; thus, no goodwill impairment 
was recorded. See Note 2 and Note 14 for additional 
information.

manner in which the asset is used, a significant adverse 
change in 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. 

When such factors are present, we assess the recoverability 
by determining whether the carrying value of the asset will 
be recovered through expected future cash flows. An asset 
is determined to be impaired when the carrying value of the 
asset exceeds the expected undiscounted future cash flows 
from the use and eventual disposition of the asset. If an 
impairment is indicated, we record an impairment loss for 
the difference between the carrying value and the fair value 
of the long-lived assets. Fair value is estimated using 
appropriate valuation methodologies, which may include an 
estimate of discounted cash flows.

In the fourth quarter of 2017, we recognized a non-cash pre-
tax impairment of long-lived assets at the Gill Ranch Facility 
of $192.5 million. We determined circumstances existed that 
indicated the carrying value of the assets may not be 
recoverable. Those circumstances included the completion 
of a comprehensive strategic review process that evaluated 
various alternatives including a potential sale, as well as 
contracting for available storage at lower than anticipated 
values for the coming storage year. Given these 
considerations, management was required to re-evaluate 
the estimated cash flows from our interests in the Gill Ranch 
Facility, and determined that those estimated cash flows 
were no longer sufficient to cover the carrying value of the 
assets. 

We used the income approach to estimate fair value, using 
the estimated future net cash flows. We also compared the 
results of the income approach to our own recent sale 
experience and recent market comparable transactions in 
order to estimate fair value. Many factors and assumptions 
impact the net cash flows used. The most significant and 
uncertain estimates included our forecast of gas storage 
pricing, our ability to successfully identify and contract with 
higher-value customers in and/or near the northern 
California market that Gill Ranch serves, and exploring the 
possibility of providing energy storage services such as 
compressed gas energy storage (CGES). After completing 
the strategic evaluation, which included a potential sale in 
the fourth quarter of 2017, we lowered our views of a near-
term market recovery and decreased the likelihood 
associated with contracting with higher-value customers. 
These changes were the most significant estimates that 
caused our cash flow projections to decrease to a point 
where they were no longer sufficient to cover the carrying 
value of the asset. 

On June 20, 2018, NWN Gas Storage, NW Holdings' 
wholly-owned subsidiary, entered into a Purchase and Sale 
Agreement that provides for the sale by NWN Gas Storage 
of all of the membership interests in Gill Ranch. As a result 
of our strategic shift away from California gas storage 
operations and the significance of Gill Ranch's financial 
results in 2017, we concluded that the pending sale of Gill 
Ranch qualifies as assets and liabilities held for sale and 
discontinued operations. As such, the assets and liabilities 
associated with Gill Ranch have been classified as 
discontinued operations assets and discontinued operations 

56

Natural's commodity-related demand and reservation 
charges paid in Canadian dollars. Notional amounts under 
foreign currency forward contracts were $6.9 million and 
$7.7 million as of December 31, 2018 and 2017, 
respectively.  If all of the foreign currency forward contracts 
had been settled on December 31, 2018, a loss of $0.3 
million would have been realized. See Note 15.

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, NW Natural purchases gas from a number 
of different suppliers at liquid exchange points. NW Natural 
evaluates and monitors suppliers’ creditworthiness and 
maintains 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 
NGD business would need to replace those volumes at 
prevailing market prices, which may be higher or lower than 
the original transaction prices. NW Natural expects these 
costs would be subject to its PGA sharing mechanism 
discussed above. Since most of NW Natural's commodity 
supply contracts are priced at the daily or monthly market 
index price tied to liquid exchange points, and NW Natural 
has adequate storage flexibility, NW Natural believes it is 
unlikely a supplier default would have a material adverse 
effect on its financial condition or results of operations.

Credit Exposure to Financial Derivative Counterparties 
Based on estimated fair value at December 31, 2018, NW 
Natural's 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 NW Natural money. Therefore, NW 
Natural's 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, NW Natural 
continues to enforce strong credit requirements. NW Natural 
actively monitors and manages derivative credit exposure 
and places counterparties on hold for trading purposes or 
requires cash collateral, letters of credit, or guarantees as 
circumstances warrant. 

ITEM 7A. QUANTITATIVE AND QUALITATIVE 
DISCLOSURES ABOUT MARKET RISK

NW Holdings and NW Natural 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 NW Holdings' and 
NW Natural's exposure to these risks, as applicable.

Commodity Supply Risk
NW Natural enters into spot, short-term, and long-term 
natural gas supply contracts, along with associated pipeline 
transportation contracts, to manage commodity supply risk. 
Historically, NW Natural has arranged for physical delivery 
of an adequate supply of gas, including gas in Mist storage 
and off-system storage facilities, to meet expected 
requirements of core NGD customers. NW Natural's long-
term gas supply contracts are primarily index-based and 
subject to monthly re-pricing, a strategy that is intended to 
substantially mitigate credit exposure to physical gas 
counterparties. Absolute notional amounts under physical 
gas contracts related to open positions on derivative 
instruments were 472.3 million therms and 520.3 million 
therms as of December 31, 2018 and 2017, respectively.

Commodity Price Risk
Natural gas commodity prices are subject to market 
fluctuations due to unpredictable factors including weather, 
pipeline transportation congestion, drilling technologies, 
market speculation, and other factors that affect supply and 
demand. Commodity price risk is managed with financial 
swaps and 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 NW Natural's 
annual PGA filing for recovery, subject to a regulatory 
prudence review.  Notional amounts under financial 
derivative contracts were $77.7 million and $108.1 million as 
of December 31, 2018 and 2017, respectively. The fair value 
of financial swaps as of December 31, 2018 was an 
unrealized loss of $7.8 million with future cash outflows of 
$2.8 million in 2019, $2.5 million in 2020, and $2.5 million in 
2021.  

Interest Rate Risk
NW Holdings and NW Natural 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. NW Holdings and 
NW Natural may also enter into financial derivative 
instruments, including interest rate swaps, options and other 
hedging instruments, to manage and mitigate interest rate 
exposure. NW Holdings and NW Natural did not have any 
interest rate swaps outstanding as of December 31, 2018 or 
2017.

Foreign Currency Risk
The costs of 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 NW 

57

  
  
  
commercial customers, which is intended to stabilize the 
recovery of NGD business 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, 2018, approximately 8% of Oregon 
customers had opted out. In addition to the Oregon 
customers opting out, 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 19% of all residential and commercial 
customers. See "Results of Operations—Regulatory Matters
—Rate Mechanisms—WARM" above.

The following table summarizes NW Natural's 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)

2018

2017

$

$

$

— $

(6.3) $

(1.5)

—

(7.8) $

—

(9.0)

(13.3)

—

(22.3)

In most cases, NW Natural also mitigates the credit risk of 
financial derivatives by having master netting arrangements 
with 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, NW Natural has master contracts in place with 
each derivative counterparty that include provisions for 
posting or calling for collateral. Generally, NW Natural can 
obtain cash or marketable securities as collateral with one 
day’s notice. Various collateral management strategies are 
used to reduce liquidity risk. The collateral provisions vary 
by counterparty but are not expected to result in the 
significant posting of collateral, if any. NW Natural has 
performed stress tests on the portfolio and concluded the 
liquidity risk from collateral calls is not material. 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.

At December 31, 2018, financial derivative credit risk on a 
volumetric basis was geographically concentrated 33% in 
the United States and 67% in Canada, based on 
counterparties' location. At December 31, 2017, financial 
derivative credit risk on a volumetric basis was 
geographically concentrated 36% in the United States and 
64% in Canada with our counterparties.

Credit Exposure to Insurance Companies
Credit exposure to insurance companies for loss or damage 
claims could be material. NW Holdings and NW Natural 
regularly monitor the financial condition of insurance 
companies who provide general liability insurance policy 
coverage to NW Holdings, NW Natural, their predecessors, 
and their subsidiaries.

Weather Risk 
NW Natural has a weather normalization mechanism in 
Oregon; however, it is exposed to weather risk primarily 
from NGD business operations. A large percentage of NGD 
margin is volume driven, and current rates are based on an 
assumption of average weather. NW Natural's weather 
normalization mechanism in Oregon is for residential and 

58

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

TABLE OF CONTENTS

1.

2.

3.

4.

5.

Management's Reports on Internal Control Over Financial Reporting

Reports of Independent Registered Public Accounting Firm

Consolidated Financial Statements:

Consolidated Statements of Comprehensive Income (Loss) of Northwest Natural Holding Company for the
Years Ended December 31, 2018, 2017, and 2016

Consolidated Balance Sheets of Northwest Natural Holding Company at December 31, 2018 and 2017

Consolidated Statements of Shareholders’ Equity of Northwest Natural Holding Company for the Years Ended
December 31, 2018, 2017, and 2016

Consolidated Statements of Cash Flows of Northwest Natural Holding Company for the Years Ended
December 31, 2018, 2017, and 2016

Consolidated Statements of Comprehensive Income (Loss) of Northwest Natural Gas Company for the Years
Ended December 31, 2018, 2017, and 2016

Consolidated Balance Sheets of Northwest Natural Gas Company at December 31, 2018 and 2017

Consolidated Statements of Shareholder's Equity of Northwest Natural Gas Company for the Years Ended
December 31, 2018, 2017, and 2016

Consolidated Statements of Cash Flows of Northwest Natural Gas Company for the Years Ended December
31, 2018, 2017, and 2016

Notes to Consolidated Financial Statements

Quarterly Financial Information

Supplementary Data for the Years Ended December 31, 2018, 2017, and 2016:

Financial Statement Schedules

Schedule I - Condensed Financial Information of Northwest Natural Holding Company

Schedule II – Valuation and Qualifying Accounts and Reserves of Northwest Natural Holding Company and
Northwest Natural Gas Company

Page

60

62

64

65

67

68

69

70

72

73

74

111

113

117

Supplemental Schedules Omitted

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.

59

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NW HOLDINGS MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

NW Holdings 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. NW Holdings' 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). NW Holdings' 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 NW Holdings Board of Directors; and

(iii) provide reasonable assurance regarding prevention or timely detection of the unauthorized acquisition, use, or disposition of 
NW Holdings' 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.

NW Holdings management assessed the effectiveness of NW Holdings' internal control over financial reporting as of December 
31, 2018. In making this assessment, NW Holdings 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 NW Holdings management's assessment and those criteria, NW Holdings management has concluded that it 
maintained effective internal control over financial reporting as of December 31, 2018.

The effectiveness of internal control over financial reporting as of December 31, 2018 has been audited by 
PricewaterhouseCoopers LLP, an independent registered public accounting firm, as stated in their report which appears in this 
annual report.

/s/ David H. Anderson        
David H. Anderson
President and Chief Executive Officer

/s/ Frank H. Burkhartsmeyer  
Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

March 1, 2019

60

 
 
 
  
 
 
 
 
NW NATURAL MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

NW Natural 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. NW Natural's 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). NW Natural'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 
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 NW Natural Board of Directors; and

(iii) provide reasonable assurance regarding prevention or timely detection of the unauthorized acquisition, use, or disposition of 
NW Natural'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 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.

NW Natural management assessed the effectiveness of NW Natural's internal control over financial reporting as of December 
31, 2018. In making this assessment, NW Natural 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 NW Natural management's assessment and those criteria, NW Natural management has concluded that it maintained 
effective internal control over financial reporting as of December 31, 2018.

/s/ David H. Anderson        
David H. Anderson
President and Chief Executive Officer

/s/ Frank H. Burkhartsmeyer  
Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

March 1, 2019

61

 
 
 
  
 
 
 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

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

Opinions on the Financial Statements and Internal Control over Financial Reporting

We have audited the accompanying consolidated balance sheets of Northwest Natural Holding Company and its subsidiaries 
(the “Company”) as of December 31, 2018 and 2017, and the related consolidated statements of comprehensive income (loss), 
of shareholders’ equity, and of cash flows for each of the three years in the period ended December 31, 2018, including the 
related notes and financial statement schedules listed in the accompanying index (collectively referred to as the “consolidated 
financial statements”).  We also have audited the Company’s internal control over financial reporting as of December 31, 2018, 
based on criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring 
Organizations of the Treadway Commission (COSO).

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position 
of the Company as of December 31, 2018 and 2017, and the results of its operations and its cash flows for each of the three 
years in the period ended December 31, 2018 in conformity with accounting principles generally accepted in the United States of 
America.  Also in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting 
as of December 31, 2018, based on criteria established in Internal Control - Integrated Framework (2013) issued by the COSO.

Basis for Opinions

The Company’s management is responsible for these consolidated financial statements, 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 
the Company’s consolidated financial statements and on the Company’s internal control over financial reporting based on our 
audits.  We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) 
(PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws 
and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB.  Those standards require that we plan and perform 
the audits to obtain reasonable assurance about whether the consolidated financial statements are free of material 
misstatement, whether due to error or fraud, and whether effective internal control over financial reporting was maintained in all 
material respects.

Our audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement 
of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks.  
Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated 
financial statements.  Our audits also included evaluating the accounting principles used and significant estimates made by 
management, as well as evaluating the overall presentation of the consolidated financial statements.  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.

Definition and Limitations of Internal Control over Financial Reporting

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
March 1, 2019

We have served as the Company’s auditor since 1997. 

62

 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

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

Opinion on the Financial Statements

We have audited the accompanying consolidated balance sheets of Northwest Natural Gas Company and its subsidiaries (the 
“Company”) as of December 31, 2018 and 2017, and the related consolidated statements of comprehensive income (loss), of 
shareholder’s equity, and of cash flows for each of the three years in the period ended December 31, 2018, including the related 
notes and financial statement schedule listed in the accompanying index (collectively referred to as the “consolidated financial 
statements”).  In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of 
the Company as of December 31, 2018 and 2017, and the results of its operations and its cash flows for each of the three years 
in the period ended December 31, 2018 in conformity with accounting principles generally accepted in the United States of 
America.

Basis for Opinion

These consolidated financial statements are the responsibility of the Company’s management.  Our responsibility is to express 
an opinion on the Company’s consolidated financial statements based on our audits.  We are a public accounting firm registered 
with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect 
to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and 
Exchange Commission and the PCAOB.

We conducted our audits of these consolidated financial statements in accordance with the standards of the PCAOB.  Those 
standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial 
statements are free of material misstatement, whether due to error or fraud.  The Company is not required to have, nor were we 
engaged to perform, an audit of its internal control over financial reporting.  As part of our audits we are required to obtain an 
understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of 
the Company’s internal control over financial reporting.  Accordingly, we express no such opinion.

Our audits included performing procedures to assess the risks of material misstatement of the consolidated financial statements, 
whether due to error or fraud, and performing procedures that respond to those risks.  Such procedures included examining, on 
a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements.  Our audits also included 
evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall 
presentation of the consolidated financial statements.  We believe that our audits provide a reasonable basis for our opinion.

/s/ PricewaterhouseCoopers LLP
Portland, Oregon
March 1, 2019

We have served as the Company’s auditor since 1997. 

63

 
NORTHWEST NATURAL HOLDING COMPANY
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

Year Ended December 31,

2018

2017

2016

$ 706,143

$ 755,038

$ 668,173

324,795

152,358

15,291

30,639

—

260,588

136,723

13,298

29,243

—

81,053

77,604

—

—

604,136

150,902

(295)

37,526

517,456

150,717

(7,151)

38,136

113,081

105,430

255,519

156,698

11,127

32,172

30,082

85,156

3,227

573,981

132,162

(3,601)

37,059

91,502

24,191

67,311

41,008

72,073

(2,742)

(127,696)

64,569

(55,623)

43,011

62,419

(3,524)

58,895

476

774

(2,059)

(744)

572

955

$

65,819

$ (57,110) $

59,106

28,803

28,873

28,669

28,753

27,647

27,779

$

$

$

$

2.34

2.33

$

2.51

2.51

2.26

2.25

(0.10) $

(4.45) $

(0.09)

(4.44)

(0.13)

(0.13)

2.24

2.24

$

(1.94) $

(1.93)

2.13

2.12

In thousands, except per share data

Operating revenues

Operating expenses:

Cost of gas

Operations and maintenance

Environmental remediation

General taxes

Revenue taxes

Depreciation and amortization

Other operating expenses

Total operating expenses

Income from operations

Other income (expense), net

Interest expense, net

Income before income taxes

Income tax expense

Net income from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

Other comprehensive income (loss):

Change in employee benefit plan liability, net of taxes of ($166) for 2018, $735 for
2017, and $452 for 2016
Amortization of non-qualified employee benefit plan liability, net of taxes of ($278)
for 2018, ($374) for 2017, and ($624) for 2016

Comprehensive income (loss)

Average common shares outstanding:

Basic

Diluted

Earnings from continuing operations per share of common stock:

Basic

Diluted

Loss from discontinued operations per share of common stock:

Basic

Diluted

Earnings (loss) per share of common stock:

Basic

Diluted

See Notes to Consolidated Financial Statements

64

NORTHWEST NATURAL HOLDING 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

Other current assets

Discontinued operations - 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

Goodwill

Other non-current assets

Discontinued operations - non-current assets

Total non-current assets

Total assets

As of December 31,

2018

2017

$

12,633

$

66,970

57,827

(977)

41,930

9,001

44,149

16,647

6,000

28,472

13,269

295,921

3,472

66,236

62,381

(956)

45,781

1,735

47,577

15,704

—

24,949

3,057

269,936

3,414,490

3,204,635

993,118

960,477

2,421,372

2,244,158

66,197

371,786

725

63,558

8,954

14,149

—

84,053

356,608

1,306

66,363

—

6,505

10,817

2,946,741

2,769,810

$

3,242,662

$

3,039,746

See Notes to Consolidated Financial Statements

65

NORTHWEST NATURAL HOLDING 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

Discontinued operations - 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

Discontinued operations - non-current liabilities

Total deferred credits and other non-current liabilities

Commitments and contingencies (see Note 16 and Note 17)

Equity:

Common stock - no par value; authorized 100,000 shares; issued and outstanding 28,880
and 28,736 at December 31, 2018 and 2017, respectively

Retained earnings

Accumulated other comprehensive loss

Total equity

Total liabilities and equity

See Notes to Consolidated Financial Statements

As of December 31,

2018

2017

$

217,620

$

29,989

115,878

11,023

7,306

47,436

12,381

54,492

12,959

509,084

706,247

280,463

611,560

221,886

3,025

147,763

—

54,200

96,703

111,021

18,883

6,773

34,013

18,722

39,942

1,593

381,850

683,184

270,526

586,093

223,333

4,649

135,292

12,043

1,264,697

1,231,936

457,640

312,182

(7,188)

762,634

448,865

302,349

(8,438)

742,776

$

3,242,662

$

3,039,746

66

 
NORTHWEST NATURAL HOLDING COMPANY
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

In thousands

Balance at December 31, 2015

   Comprehensive income

   Dividends on common stock, $1.87 per share

   Stock-based compensation

   Shares issued pursuant to equity based plans

   Issuance of common stock, net of issuance costs

Balance at December 31, 2016

   Comprehensive income (loss)

   Dividends on common stock, $1.88 per share

   Stock-based compensation

   Shares issued pursuant to equity based plans

Balance at December 31, 2017

   Comprehensive income

   Dividends on common stock, $1.89 per share

   Stock-based compensation

   Shares issued pursuant to equity based plans

   Cash purchase of shares for business combination

   Value of shares transferred for business combination

Common
Stock

Retained
Earnings

Accumulated
Other
Comprehensive
Income (Loss)

Total
Equity

$

383,144

$

404,990

$

(7,162) $

780,972

—

—

58,895

(51,624)

2,924

6,358

52,761

445,187

—

—

2,882

796

448,865

—

—

3,020

5,175

(7,945)

8,525

—

—

—

412,261

(55,623)

(54,289)

—

—

302,349

64,569

(54,736)

—

—

—

—

211

—

—

—

—

(6,951)

(1,487)

—

—

—

(8,438)

1,250

—

—

—

—

—

59,106

(51,624)

2,924

6,358

52,761

850,497

(57,110)

(54,289)

2,882

796

742,776

65,819

(54,736)

3,020

5,175

(7,945)

8,525

Balance at December 31, 2018

$

457,640

$

312,182

$

(7,188) $

762,634

See Notes to Consolidated Financial Statements

67

NORTHWEST NATURAL HOLDING COMPANY
CONSOLIDATED STATEMENTS OF CASH FLOWS

In thousands

Operating activities:

Net income (loss)

Adjustments to reconcile net income (loss) to cash provided by operations:

Depreciation and amortization

Regulatory amortization of gas reserves

Deferred income taxes

Qualified defined benefit pension plan expense

Contributions to qualified defined benefit pension plans

Deferred environmental expenditures, net

Regulatory disallowance of prior environmental cost deferrals

Amortization of environmental remediation

Regulatory revenue deferral from the TCJA

Other

Changes in assets and liabilities:

Receivables, net

Inventories

Income and other taxes

Accounts payable

Interest accrued

Deferred gas costs

Other, net

Discontinued operations

Cash provided by operating activities

Investing activities:

Capital expenditures

Other

Discontinued operations

Cash used in investing activities

Financing activities:

Repurchases related to stock-based compensation

Proceeds from stock options exercised

Proceeds from common stock issued

Long-term debt issued

Long-term debt retired

Change in short-term debt

Cash dividend payments on common stock

Stock purchases related to acquisitions

Other

Cash provided by (used in) financing activities

Increase (decrease) 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, net of capitalization

Income taxes paid (refunded)

See Notes to Consolidated Financial Statements

68

Year Ended December 31,

2018

2017

2016

$ 64,569

$ (55,623) $ 58,895

85,156

16,684

14,356

8,108

81,053

16,353

(52,414)

5,364

77,604

15,525

32,056

5,274

(15,540)

(19,430)

(14,470)

(14,528)

(13,716)

(10,469)

—

—

11,127

15,291

7,929

1,596

181

3,207

(16,904)

16,792

526

—

2,102

3,282

5,600

6,734

1,092

807

3,287

13,298

—

2,846

(6,395)

16,565

9,467

12,028

93

(14,395)

17,122

(10,204)

552

(4,093)

(645)

197,180

11,727

5,020

168,771

206,704

222,147

(214,636)

(213,325)

(138,357)

(3,390)

573

(577)

(270)

2,882

(1,154)

(217,453)

(214,172)

(136,629)

—

1,546

—

(2,034)

4,819

—

(1,042)

8,404

52,760

50,000

100,000

150,000

(97,000)

(40,000)

(25,000)

163,274

900

(216,735)

(51,311)

(53,957)

(51,508)

(7,951)

—

—

(715)

(2,309)

(3,087)

57,843

7,419

(86,208)

9,161

3,472

(49)

3,521

$ 12,633

$

3,472

$

(690)

4,211

3,521

$ 35,324

$ 34,787

$ 36,023

27,370

14,780

(7,157)

NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

In thousands

Operating revenues

Operating expenses:

Cost of gas

Operations and maintenance

Environmental remediation

General taxes

Revenue taxes

Depreciation and amortization

Other operating expenses

Total operating expenses

Income from operations

Other income (expense), net

Interest expense, net

Income before income taxes

Income tax expense

Net income from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

Other comprehensive income (loss):

Year Ended December 31,

2018

2017

2016

$ 705,571

$ 755,038

$ 667,949

325,019

152,180

15,291

30,602

—

260,588

135,979

13,298

29,222

—

81,024

77,575

—

—

604,116

150,922

(198)

37,526

516,662

151,287

(7,041)

38,136

113,198

106,110

255,743

155,225

11,127

32,086

30,082

84,986

3,223

572,472

133,099

(3,599)

36,992

92,508

24,459

68,049

41,478

71,720

(1,723)

(127,343)

66,326

(55,623)

43,275

62,835

(3,940)

58,895

Change in employee benefit plan liability, net of taxes of ($166) for 2018, $735 for
2017, and $452 for 2016
Amortization of non-qualified employee benefit plan liability, net of taxes of ($278)
for 2018, ($374) for 2017, and ($624) for 2016

Comprehensive income (loss)

476

774

(2,059)

(744)

572

955

$

67,576

$ (57,110) $

59,106

See Notes to Consolidated Financial Statements

69

 
 
 
 
 
 
NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED BALANCE SHEETS

In thousands

Assets:

Current assets:

Cash and cash equivalents

Accounts receivable

Accrued unbilled revenue

Receivables from affiliates

Allowance for uncollectible accounts

Regulatory assets

Derivative instruments

Inventories

Gas reserves

Other current assets

Discontinued operations - 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

Other non-current assets

Discontinued operations - non-current assets

Total non-current assets

Total assets

As of December 31,

2018

2017

$

7,947

$

66,824

57,773

4,166

(975)

41,930

9,001

44,126

16,647

25,347

—

3,110

66,236

62,381

266

(956)

45,781

1,735

47,577

15,704

24,862

7,170

272,786

273,866

3,410,439

3,204,260

992,855

960,285

2,417,584

2,243,975

66,197

371,786

725

49,922

13,736

—

84,053

356,608

1,306

52,654

6,505

24,709

2,919,950

2,769,810

$

3,192,736

$

3,043,676

See Notes to Consolidated Financial Statements

70

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

Payables to affiliates

Taxes accrued

Interest accrued

Regulatory liabilities

Derivative instruments

Other current liabilities

Discontinued operations - 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

Discontinued operations - non-current liabilities

Total deferred credits and other non-current liabilities

Commitments and contingencies (see Note 16 and Note 17)

Equity:

Common stock

Retained earnings

Accumulated other comprehensive loss

Total equity

Total liabilities and equity

As of December 31,

2018

2017

$

217,500

$

29,989

114,937

523

10,990

7,273

47,436

12,381

53,027

—

494,056

704,134

294,739

611,560

221,886

3,025

147,668

—

54,200

96,703

110,354

3,664

18,844

6,773

34,013

18,722

39,942

2,565

385,780

683,184

287,388

586,093

223,333

4,649

135,205

(4,732)

1,278,878

1,231,936

226,452

496,404

(7,188)

715,668

448,865

302,349

(8,438)

742,776

$

3,192,736

$

3,043,676

See Notes to Consolidated Financial Statements

71

NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED STATEMENTS OF SHAREHOLDER'S EQUITY

In thousands

Common Stock

Retained
Earnings

Accumulated
Other
Comprehensive
Income (Loss)

Total
Equity

Balance at December 31, 2015

$

383,144

$

404,990

$

(7,162) $

Comprehensive income

Dividends on common stock

Stock-based compensation

Shares issued pursuant to equity based plans

Issuance of common stock, net of issuance costs

Balance at December 31, 2016

Comprehensive income (loss)

Dividends on common stock

Stock-based compensation

Shares issued pursuant to equity based plans

Balance at December 31, 2017

Comprehensive income

Dividends on common stock
Stock-based compensation(1)
Shares issued pursuant to equity based plans(1)
Transfer of investments to NW Holdings as of
October 1, 2018

—

—

2,924

6,358

52,761

445,187

—

—

2,882

796

448,865

—

—

2,161

3,075

58,895

(51,624)

—

—

—

412,261

(55,623)

(54,289)

—

—

302,349

66,326

(41,035)

—

—

(227,649)

168,764

211

—

—

—

—

(6,951)

(1,487)

—

—

—

(8,438)

1,250

—

—

—

—

Balance at December 31, 2018

$

226,452

$

496,404

$

(7,188) $

(1) Stock-based compensation is based on stock awards of NW Natural to be issued in shares of NW Holdings.

See Notes to Consolidated Financial Statements

780,972

59,106

(51,624)

2,924

6,358

52,761

850,497

(57,110)

(54,289)

2,882

796

742,776

67,576

(41,035)

2,161

3,075

(58,885)

715,668

72

NORTHWEST NATURAL GAS COMPANY
CONSOLIDATED STATEMENTS OF CASH FLOWS

In thousands

Operating activities:
Net income (loss)
Adjustments to reconcile net income (loss) to cash provided by operations:

Depreciation and amortization
Regulatory amortization of gas reserves
Deferred income taxes
Qualified defined benefit pension plan expense
Contributions to qualified defined benefit pension plans
Deferred environmental expenditures, net
Regulatory disallowance of prior environmental cost deferrals
Amortization of environmental remediation
Regulatory revenue deferral from the TCJA
Other
Changes in assets and liabilities:

Receivables, net
Inventories
Income and other taxes
Accounts payable
Interest accrued
Deferred gas costs
Other, net

Discontinued operations
Cash provided by operating activities

Investing activities:

Capital expenditures
Other
Discontinued operations

Cash used in investing activities

Financing activities:

Repurchases related to stock-based compensation
Proceeds from stock options exercised
Proceeds from common stock issued
Long-term debt issued
Long-term debt retired
Change in short-term debt
Cash dividend payments on common stock
Other
Discontinued operations

Cash provided by (used in) financing activities

Increase (decrease) 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, net of capitalization
Income taxes paid (refunded)

See Notes to Consolidated Financial Statements

73

Year Ended December 31,

2018

2017

2016

$ 66,326

$ (55,623) $ 58,895

84,986
16,684
12,330
8,108
(15,540)
(14,528)
—
11,127
7,929
883

(3,920)
3,212
(7,854)
13,937
500
(14,395)
539
3,184
173,508

81,024
16,353
15,894
5,364
(19,430)
(13,716)
—
15,291
—
2,003

3,215
5,601
6,730
3,332
807
17,122
(3,855)
126,371
206,483

77,575
15,525
30,772
5,274
(14,470)
(10,469)
3,287
13,298
—
2,745

(6,319)
16,565
9,467
10,822
93
(10,204)
12,342
7,041
222,239

(214,328)
(3,517)
(20,617)
(238,462)

(213,325)
(577)
(270)
(214,172)

(138,357)
2,882
(1,154)
(136,629)

—
1,368
—
50,000
(97,000)
163,300
(38,387)
(1,539)
(7,951)
69,791
4,837
3,110
7,947

(2,034)
4,819
—
100,000
(40,000)
900
(53,957)
(2,309)
—
7,419
(270)
3,380
3,110

(1,042)
8,404
52,760
150,000
(25,000)
(216,735)
(51,508)
(3,087)
—
(86,208)
(598)
3,978
3,380

$

$

$

$ 35,305
27,350

$ 34,787
14,780

$ 36,023
(7,157)

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1. ORGANIZATION AND PRINCIPLES OF CONSOLIDATION

On October 1, 2018, we completed a reorganization into a 
holding company structure. In this reorganization, 
shareholders of NW Natural (the predecessor publicly held 
parent company) became shareholders of NW Holdings on 
a one-for-one basis; maintaining the same number of shares 
and ownership percentage as held in NW Natural 
immediately prior to the reorganization. NW Natural became 
a wholly-owned subsidiary of NW Holdings. Additionally, 
certain subsidiaries of NW Natural were transferred to NW 
Holdings. This reorganization was accounted for as a 
transaction among entities under common control. As 
required under accounting guidance, these subsidiaries are 
presented in this report as discontinued operations in the 
consolidated results of NW Natural. See Note 18 for 
additional information.

The accompanying consolidated financial statements 
represent the respective, consolidated results and financial 
results of NW Holdings and NW Natural and all respective 
companies that each registrant directly or indirectly controls, 
either through majority ownership or otherwise. This is a 
combined report of NW Holdings and NW Natural, which 
includes separate consolidated financial statements for each 
registrant. 

NW Natural's natural gas distribution activities are reported 
in the natural gas distribution (NGD) segment, formerly titled 
and reported as the utility segment. The NGD segment is 
NW Natural's core operating business and serves 
residential, commercial, and industrial customers in Oregon 
and southwest Washington. The NGD segment is the only 
reportable segment for NW Holdings and NW Natural. All 
other business activities, including certain gas storage 
activities, water businesses, and other investments and 
activities are aggregated and reported as other at their 
respective registrant. 

In addition, NW Holdings has reported discontinued 
operations results related to the pending sale of Gill Ranch 
Storage, LLC (Gill Ranch).

NW Holdings' direct and indirect wholly-owned subsidiaries 
include:

•  Northwest Natural Gas Company (NW Natural);

  Northwest Energy Corporation (Energy Corp);
  NWN Gas Reserves LLC (NWN Gas 

Reserves);

•  NW Natural Energy, LLC (NWN Energy); 

  NW Natural Gas Storage, LLC (NWN Gas 

Storage);
  Gill Ranch Storage, LLC (Gill Ranch), which is 

presented as a discontinued operation;

•  NNG Financial Corporation (NNG Financial);

KB Pipeline Company (KB);

•  NW Natural Water Company, LLC (NWN Water);
Falls Water Co., Inc. (Falls Water); 
Salmon Valley Water Company;

74

  Cascadia Water, LLC (Cascadia);
  NW Natural Water of Oregon, LLC (NWN Water of 

Oregon);

  NW Natural Water of Washington, LLC (NWN 

Water of Washington); and

  NW Natural Water of Idaho, LLC (NWN Water of 

Idaho); and
  Gem State Water Company, LLC (Gem State) 

Investments in corporate joint ventures and partnerships 
that NW Holdings does not directly or indirectly control, and 
for which it is not the primary beneficiary, include NWN 
Financial's investment in Kelso-Beaver Pipeline and NWN 
Energy's investment in Trail West Holdings, LLC (TWH), 
which is accounted for under the equity method. NW 
Holdings and its direct and indirect subsidiaries are 
collectively referred to herein as NW Holdings, and NW 
Natural and its direct and indirect subsidiaries are 
collectively referred to herein as NW Natural. The 
consolidated financial statements of NW Holdings and NW 
Natural are presented after elimination of all intercompany 
balances and transactions.

During the second quarter of 2018, we moved forward with 
our long-term strategic plans, which include a shift away 
from the California gas storage business. In June 2018, 
NWN Gas Storage, a wholly-owned subsidiary of NW 
Natural at the time and now a wholly-owned subsidiary of 
NW Holdings, entered into a Purchase and Sale Agreement 
that provides for the sale of all of the membership interests 
in its wholly-owned subsidiary, Gill Ranch, subject to various 
regulatory approvals and closing conditions. We have 
concluded that the pending sale of Gill Ranch qualifies as 
assets and liabilities held for sale and discontinued 
operations. As such, the results of Gill Ranch have been 
presented as a discontinued operation for NW Holdings for 
all periods presented and for NW Natural up until the 
holding company reorganization was effective on October 1, 
2018 on the consolidated statements of comprehensive 
income and cash flows, and the assets and liabilities 
associated with Gill Ranch have been classified as 
discontinued operations assets and liabilities on the NW 
Holdings consolidated balance sheet. See Note 18 for 
additional information. Additionally, we reevaluated 
reportable segments and concluded that the remaining gas 
storage activities no longer meet the requirements to be 
separately reported as a segment. Interstate Storage 
Services is now reported in Other under NW Natural and all 
prior periods reflect this change. See Note 4, which provides 
segment information.

Notes to the consolidated financial statements reflect the 
activity of continuing operations for both NW Holdings and 
NW Natural for all periods presented, unless otherwise 
noted. Note 4 and Note 18 provide information regarding 
reportable segments and discontinued operations, 
respectively.

 
 
 
All prior period amounts have been retrospectively adjusted 
to reflect the change in reportable segments and the 
designation of Gill Ranch as a discontinued operation for 
NW Holdings, and the designation of subsidiaries previously 
owned by NW Natural that are now owned by NW Holdings

 as discontinued operations for NW Natural. These 
reclassifications and the reorganization activities described 
above had no effect on the prior year’s consolidated results 
of operations, financial condition, or cash flows.

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 (U.S. 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  
NW Holdings' principal business is to operate as a holding 
company for NW Natural, NWN Water and its other 
subsidiaries. 

NW Natural's principal business is the distribution of natural 
gas, which is regulated by the OPUC and WUTC. NW 
Natural also has natural gas storage services, which are 
regulated by the FERC, and to a certain extent by the OPUC 
and WUTC. Additionally, certain NW Holdings' subsidiaries 
own water businesses, which are regulated by the OPUC, 
WUTC, or IPUC. Accounting records and practices of the 
regulated businesses conform to the requirements and 
uniform system of accounts prescribed by these regulatory 
authorities in accordance with U.S. GAAP. The businesses in 
which customer rates are regulated by the OPUC, WUTC, 
IPUC, and FERC have approved cost-based rates which are 
intended to allow such businesses to earn a reasonable 
return on invested capital.

In applying regulatory accounting principles, we capitalize or 
defer certain costs and revenues as regulatory assets and 
liabilities pursuant to orders of the OPUC, WUTC, or IPUC, 
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.

At December 31, NW Natural deferred the following amounts 
as regulatory assets and liabilities:

In thousands

Current:

Regulatory Assets

2018

2017

Unrealized loss on derivatives(1)

$ 12,381

$ 18,712

Gas costs
Environmental costs(2)
Decoupling(3)

Income taxes
Other(4)

Total current

Non-current:

Unrealized loss on derivatives(1)
Pension balancing(5)

Income taxes

Pension and other postretirement
benefit liabilities
Environmental costs(2)

Gas costs
Decoupling(3)
Other(4)

2,873

5,601

9,140

2,218

9,717

154

6,198

11,227

2,218

7,272

$ 41,930

$ 45,781

$

3,025

$

4,649

74,173

19,185

60,383

19,991

174,993

179,824

76,149

72,128

9,978

2,545

11,738

84

3,970

15,579

Total non-current

$ 371,786

$ 356,608

In thousands

Current:

Gas costs
Unrealized gain on derivatives(1)
Decoupling(3)
Other(4)

Total current

Non-current:

Gas costs
Unrealized gain on derivatives(1)
Decoupling(3)
Income taxes(6)
Accrued asset removal costs(7)
Other(4)

Regulatory Liabilities

2018

2017

$ 17,182

$ 14,886

8,740

2,264

1,674

322

19,250

17,131

$ 47,436

$ 34,013

$

$

552

725

—

4,630

1,306

957

225,408

380,464

4,411

213,306

360,929

4,965

$ 611,560

Total non-current
$ 586,093
(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 natural gas 
distribution rates as part of the annual Purchased Gas 
Adjustment (PGA) mechanism when realized at settlement.
(2)  Refer to footnote (3) of the Deferred Regulatory Asset table in 

Note 17 for a description of environmental costs.

75

  
 
(3) 

This deferral represents the margin adjustment resulting from 
differences between actual and expected volumes. 
(4)  Balances consist of deferrals and amortizations under 

approved regulatory mechanisms and typically earn a rate of 
return or carrying charge. 

(5)  Refer to footnote (1) of the Net Periodic Benefit Cost table in 
Note 9 for information regarding the deferral of pension 
expenses. 
This balance represents estimated amounts associated with 
the Tax Cuts and Jobs Act. See Note 10.

(6) 

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

The amortization period for NW Natural's regulatory assets 
and liabilities ranges from less than one year to an 
indeterminable period. 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 
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 NW Natural has agreed 
upon an amortization period with the respective regulatory 
agency.

We believe all costs incurred and deferred at December 31, 
2018 are prudent. All regulatory assets and liability are 
reviewed annually for recoverability, or more often if 
circumstances warrant. If it is determined that all or a portion 
of these regulatory assets or liabilities no longer meet the 
criteria for continued application of regulatory accounting, 
then NW Natural would be required to write-off the net 
unrecoverable balances in the period such determination is 
made. 

Environmental Regulatory Accounting 
See Note 17 for information about the SRRM and OPUC 
orders regarding implementation. 

New Accounting Standards
NW Holdings and NW Natural consider the applicability and 
impact of all accounting standards updates (ASUs) issued by 
the Financial Accounting Standards Board (FASB). ASUs not 
listed below were assessed and determined to be either not 
applicable or are expected to have minimal impact on the 
consolidated financial position or results of operations.

Recently Adopted Accounting Pronouncements
STOCK COMPENSATION. On May 10, 2017, the FASB 
issued ASU 2017-09, "Stock Compensation - Scope of 
Modification Accounting." The purpose of the amendment is 
to provide clarity, reduce diversity in practice, and reduce the 
cost and complexity when applying the guidance in Topic 
718, related to a change to the terms or conditions of a 
share-based payment award. Specifically, an entity would 
not apply modification accounting if the fair value, vesting 
conditions, and classification of the awards are the same 
immediately before and after the modification. The 
amendments in this update were effective beginning 
January 1, 2018, and will be applied prospectively to any 
award modified on or after the adoption date. The adoption 
did not have a material impact to the financial statements or 
disclosures of NW Holdings or NW Natural.

RETIREMENT BENEFITS. On March 10, 2017, the FASB 
issued ASU 2017-07, "Improving the Presentation of Net 
Periodic Pension Cost and Net Periodic Post Retirement 
Benefit Cost." The ASU requires entities to disaggregate 
current service cost from the other components of net 
periodic benefit cost and present it with other current 
compensation costs for related employees in the income 
statement. Additionally, the other components of net periodic 
benefit costs are to be presented elsewhere in the income 
statement and outside of income from operations if that 
subtotal is presented. Only the service cost component of 
the net periodic benefit cost is eligible for capitalization. The 
amendments in this update were effective beginning January 
1, 2018. Upon adoption, the ASU required that changes to 
the income statement presentation of net periodic benefit 
cost be applied retrospectively, while changes to amounts 
capitalized must be applied prospectively. As such, the 
interest cost, expected return on assets, amortization of prior 
service costs, and other costs have been reclassified from 
operations and maintenance expense to other income 
(expense), net on the consolidated statements of 
comprehensive income for the years ended December 31, 
2017 and 2016. We did not elect the practical expedient 
which would have allowed for the reclassification of amounts 
disclosed previously in the pension and other postretirement 
benefits footnote disclosure as the basis for applying 
retrospective presentation. As mentioned above, on a 
prospective basis, the other components of net periodic 
benefit cost will not be eligible for capitalization.

The retrospective presentation requirement related to the 
other components of net periodic benefit cost affected the 
operations and maintenance expense and other income 
(expense), net lines on the NW Natural consolidated 
statements of comprehensive income. For the years ended 
December 31, 2017 and 2016, $5.6 million and $6.6 million 
of expense was reclassified from operations and 
maintenance expense and included in other income 
(expense), net, respectively.

GOODWILL. On January 26, 2017, the FASB issued ASU 
2017-04, "Simplifying the Test for Goodwill Impairment." The 
ASU removes Step 2 from the goodwill impairment test and 
under the amended guidance an entity should perform its 
annual goodwill impairment test by comparing the fair value 
of a reporting unit with its carrying amount and recognize an 
impairment charge for the amount in which the carrying 

76

amounts exceed the fair value of the reporting unit. The 
amendments in this standard are effective beginning January 
1, 2020 and early adoption is permitted for interim or annual 
goodwill impairment tests performed after January 1, 2017. 
ASU 2017-04 was early adopted in the third quarter ended 
September 30, 2018. The adoption of this ASU did not 
materially affect the financial statements or disclosures of 
NW Holdings or NW Natural and is currently not applicable 
to NW Natural.

STATEMENT OF CASH FLOWS. On August 26, 2016, the 
FASB issued ASU 2016-15, "Classification of Certain Cash 
Receipts and Cash Payments." The ASU adds guidance 
pertaining to the classification of certain cash receipts and 
payments on the statement of cash flows. The purpose of 
the amendment is to clarify issues that have been creating 
diversity in practice. The amendments in this standard were 
effective beginning January 1, 2018, and the adoption did 
not have a material impact to financial statements or 
disclosures as our historical practices and presentation were 
consistent with the directives of this ASU for NW Holdings 
and NW Natural.

FINANCIAL INSTRUMENTS. On January 5, 2016, the FASB 
issued ASU 2016-01, "Financial Instruments - Overall: 
Recognition and Measurement of Financial Assets and 
Financial Liabilities." The ASU enhances the reporting model 
for financial instruments, which includes amendments to 
address aspects of recognition, measurement, presentation, 
and disclosure. The new standard was effective beginning 
January 1, 2018, and the adoption did not materially impact 
the financial statements or disclosures of NW Holdings or 
NW Natural. 

REVENUE RECOGNITION. On May 28, 2014, the FASB 
issued 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 the entity is 
expected to be entitled to in exchange for those goods or 
services. The ASU also prescribes 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 guidance also 
requires additional disclosures, both qualitative and 
quantitative, regarding the nature, amount, timing and 
uncertainty of revenue and cash flows.

The new accounting standard and all related amendments 
were effective beginning January 1, 2018. The accounting 
standard was applied to all contracts using the modified 
retrospective method. The new standard is primarily 
reflected in the consolidated statements of comprehensive 
income and Note 6. The implementation of the new revenue 
standard did not result in changes to how NW Holdings and 
NW Natural currently recognize revenue, and therefore, no 
cumulative effect or adjustment to the opening balances of 
retained earnings was required. The implementation did 
result in changes to the disclosures and presentation of 
revenues and expenses. The comparative information for 
prior years has not been restated. There is no material 

77

impact to the financial results of NW Holdings or NW Natural 
and no significant changes to our control environment due to 
the adoption of the new revenue standard on an ongoing 
basis.

As previously discussed, the adoption of the new revenue 
standard did not impact the consolidated balance sheets or 
statements of cash flows but did result in changes to the 
presentation of the consolidated statements of 
comprehensive income for NW Holdings and NW Natural. 
Had the adoption of the new revenue standard not occurred, 
operating revenues for the year ended December 31, 2018 
would have been $676.0 million for NW Holdings, compared 
to the reported amount of $706.1 million under the new 
revenue standard. Similarly, absent the impact of the new 
revenue standard, operating expenses would have been 
$543.9 million for NW Holdings, compared to the reported 
amount of $574.0 million under the new revenue standard 
for the year ended December 31, 2018. The effect of the 
change was an increase in both operating revenues and 
operating expenses of $30.1 million at NW Holdings and NW 
Natural for the year ended December 31, 2018; due to the 
change in presentation of revenue taxes. As part of the 
adoption of the new revenue standard, we evaluated the 
presentation of revenue taxes under the new guidance and 
across our peer group and concluded that the gross 
presentation of revenue taxes provides the greatest level of 
consistency and transparency. Prior to the adoption of the 
new revenue standard, a portion of revenue taxes was 
presented net in operating revenues and a portion was 
recorded directly on the balance sheet. During year ended 
December 31, 2018, $30.1 million in revenue taxes for NW 
Holdings and NW Natural was recognized in operating 
revenues and operating expenses. In comparison, for the 
years ended December 31, 2017 and 2016, $32.2 million 
and $28.3 million was recognized in revenue taxes for NW 
Holdings and NW Natural, of which $19.1 million and $17.1 
million were recorded in operating revenues and $13.1 
million and $11.2 million were recorded on the consolidated 
balance sheets, respectively. The change in presentation of 
revenue taxes had no impact on NGD margin, net income or 
earnings per share. 

Recently Issued Accounting Pronouncements
CLOUD COMPUTING. On August 29, 2018, the FASB 
issued ASU 2018-15, "Customer’s Accounting for 
Implementation Costs Incurred in a Cloud Computing 
Arrangement That Is a Service Contract." The purpose of the 
amendment is to align the requirements for capitalizing 
implementation costs incurred in a hosting arrangement that 
is a service contract with the requirements for capitalizing 
implementation costs incurred to develop or obtain internal-
use software. The amendments in this update are effective 
beginning January 1, 2020. Early adoption is permitted. The 
amended guidance can be applied either retrospectively or 
prospectively to all implementation costs incurred after the 
date of adoption. We are currently assessing the effect of 
this standard on NW Holdings' and NW Natural's financial 
statements and disclosures. 

RETIREMENT BENEFITS. On August 28, 2018, the FASB 
issued ASU 2018-14, "Changes to the Disclosure 
Requirements for Defined Benefit Plans." The purpose of the 
amendment is to modify the disclosure requirements for 

defined benefit pension and other postretirement plans. The 
amendments in this update are effective for the year ended 
December 31, 2020. Early adoption is permitted. The 
amended presentation and disclosure guidance should be 
applied retrospectively. We are currently assessing the effect 
of this standard on NW Holdings' and NW Natural's 
disclosures. 

FAIR VALUE MEASUREMENT. On August 28, 2018, the 
FASB issued ASU 2018-13, "Changes to the Disclosure 
Requirements for Fair Value Measurement." The purpose of 
the amendment is to modify the disclosure requirements for 
fair value measurements. The amendments in this update 
are effective beginning January 1, 2020. Early adoption is 
permitted. The amendments on changes in unrealized gains 
and losses, the range and weighted average of significant 
unobservable inputs used to develop Level 3 fair value 
measurements and the narrative description of 
measurement uncertainty should be applied prospectively. 
All other amendments should be applied retrospectively. We 
are currently assessing the effect of this standard on NW 
Holdings' and NW Natural's disclosures. 

ACCUMULATED OTHER COMPREHENSIVE INCOME. On 
February 14, 2018, the FASB issued ASU 2018-02, "Income 
Statement—Reporting Comprehensive Income: 
Reclassification of Certain Tax Effects from Accumulated 
Other Comprehensive Income." This update was issued in 
response to concerns from certain stakeholders regarding 
the current requirements under U.S. GAAP that deferred tax 
assets and liabilities are adjusted for a change in tax laws or 
rates, and the effect is to be included in income from 
continuing operations in the period of the enactment date. 
This requirement is also applicable to items in accumulated 
other comprehensive income where the related tax effects 
were originally recognized in other comprehensive income. 
The adjustment of deferred taxes due to the new corporate 
income tax rate enacted through the TCJA on December 22, 
2017 recognized in income from continuing operations 
causes the tax effects of items within accumulated other 
comprehensive income (referred to as stranded tax effects) 
to not reflect the appropriate tax rate. The amendments in 
this update allow a reclassification from accumulated other 
comprehensive income to retained earnings for stranded tax 
effects resulting from the TCJA and require certain 
disclosures about stranded tax effects. The amendments in 
this update are effective beginning January 1, 2019, and 
should be applied either in the period of adoption or 
retrospectively to each period in which the effect of the 
change in the federal corporate income tax rate in the TCJA 
is recognized. The reclassification allowed in this update is 
elective, and we are currently assessing whether we will 
make the reclassification. This update is not expected to 
have a material impact on the financial condition of NW 
Holdings or NW Natural. 

DERIVATIVES AND HEDGING. On August 28, 2017, the 
FASB issued ASU 2017-12, "Derivatives and Hedging: 
Targeted Improvements to Accounting for Hedging 
Activities." The purpose of the amendment is to more closely 
align hedge accounting with companies’ risk management 
strategies. The ASU amends the accounting for risk 
component hedging, the hedged item in fair value hedges of 
interest rate risk, and amounts excluded from the 

78

assessment of hedge effectiveness. The guidance also 
amends the recognition and presentation of the effect of 
hedging instruments and includes other simplifications of 
hedge accounting. The amendments in this update are 
effective beginning January 1, 2019. Early adoption is 
permitted. The amended presentation and disclosure 
guidance is required prospectively. We do not anticipate the 
adoption of this standard to have a material impact on NW 
Holdings' and NW Natural's financial statements and 
disclosures. 

LEASES. On February 25, 2016, the FASB issued ASU 
2016-02, "Leases," which revises the existing lease 
accounting guidance. Pursuant to the new standard, lessees 
will be required to recognize all leases, including operating 
leases that are greater than 12 months at lease 
commencement, on the balance sheet and record 
corresponding right-of-use assets and lease liabilities. 
Lessor accounting will remain substantially the same under 
the new standard. Quantitative and qualitative disclosures 
are also required for users of the financial statements to 
have a clear understanding of the nature of NW Natural's 
leasing activities. On July 30, 2018, the FASB approved an 
optional alternative transition approach that would allow 
entities to apply the transition requirements on the effective 
date of the standard. Additionally, on January 25, 2018, the 
FASB issued ASU 2018-01, "Land Easement Practical 
Expedient for Transition to Topic 842", to address the costs 
and complexity of applying the transition provisions of the 
new lease standard to land easements. This ASU provides 
an optional practical expedient to not evaluate existing or 
expired land easements that were not previously accounted 
for as leases under the current lease guidance. The standard 
and associated ASUs were effective for us beginning 
January 1, 2019. 

We elected the alternative prospective transition approach 
for adoption of ASC 842 beginning January 1, 2019. All 
comparative periods prior to January 1, 2019 will retain the 
financial reporting and disclosure requirements of ASC 840 
“Leases” (“ASC 840”). We elected the land easement 
optional practical expedient to not evaluate existing or 
expired land easements that were not previously accounted 
for as leases under the current lease guidance. For the 
existing lease portfolio, we did not elect the optional practical 
expedient package to retain the legacy lease accounting 
conclusions upon adoption; rather, we re-assessed our 
existing contracts under the new leasing standard including 
whether the contract meets the definition of a lease and 
lease classification. As a result, we determined that most of 
our underground gas storage contracts no longer meet the 
definition of a lease under the new lease standard. Our lease 
portfolio under the new standard consists primarily of our 
leased headquarters, which expires in 2020. Upon adoption, 
NW Holdings expects to record a right-of-use lease asset 
and an associated lease liability of approximately $7.3 
million, of which $7.0 million is expected to be recorded at 
NW Natural.  

In October 2017, NW Natural entered into a 20-year 
operating lease agreement commencing in 2020 for the new 
headquarters location in Portland, Oregon. Under the new 
lease standard, NW Natural is no longer considered the 
accounting owner of the asset during construction. As such, 

we expect to de-recognized the build-to-suit asset and 
liability balances of $26.0 million as of December 31, 2018 
that were recorded under ASC 840 within property, plant and 
equipment and other non-current liabilities in the 
consolidated balance sheet. Refer to Note 16 for current 
lease commitments.

CREDIT LOSSES. On June 16, 2016, the FASB issued ASU 
2016-13, "Measurement of Credit Losses on Financial 
Instruments," which applies to financial assets subject to 
credit losses and measured at amortized cost. The new 
standard will require financial assets measured at amortized 
cost to be presented at the net amount expected to be 
collected and the allowance for credit losses is to be 
recorded as a valuation account that is deducted from the 
amortized cost basis. The amendments in this update are 
effective beginning January 1, 2020. Early adoption is 
permitted for fiscal years beginning after December 15, 
2018. We are currently assessing the effect of this standard 
on the financial statements and disclosures of NW Holdings 
and NW Natural. 

Accounting Policies
The accounting policies discussed below apply to both NW 
Holdings and NW Natural.

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 U.S. 
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 NGD business has the opportunity to earn its 
allowed rate of return.

The costs of NGD plant retired or otherwise disposed of are 
removed from NGD 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 assets not related 
to NGD, we record a gain or loss upon the disposal of the 
property, and the gain or loss is recorded in operating 

79

income or loss in the consolidated statements of 
comprehensive income.

The provision for depreciation of NGD 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 NGD assets in 
service was approximately 2.8% for 2018, 2017, and 2016, 
reflecting the approximate weighted-average economic life of 
the property. This includes 2018 weighted-average 
depreciation rates for the following asset categories: 2.7% 
for transmission and distribution plant, 2.1% for gas storage 
facilities, 4.5% for general plant, and 3.1% for intangible and 
other fixed assets.

AFUDC. Certain additions to NGD 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 NGD cost of service. Our composite AFUDC rate was 
5.2% in 2018, 5.5% in 2017, and 0.7% in 2016.

IMPAIRMENT OF LONG-LIVED ASSETS. We review the 
carrying value of long-lived assets whenever events or 
changes in circumstances indicate the carrying amount of 
the assets may 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 
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. 

When such factors are present, we assess the recoverability 
by determining whether the carrying value of the asset will 
be recovered through expected future cash flows. An asset 
is determined to be impaired when the carrying value of the 
asset exceeds the expected undiscounted future cash flows 
from the use and eventual disposition of the asset. If an 
impairment is indicated, we record an impairment loss for the 
difference between the carrying value and the fair value of 
the long-lived assets. Fair value is estimated using 
appropriate valuation methodologies, which may include an 
estimate of discounted cash flows.

In the fourth quarter of 2017, a non-cash pre-tax impairment 
of long-lived assets at the Gill Ranch Facility of $192.5 
million was recognized. The income approach was used to 
estimate fair value, using the estimated future net cash 
flows. We also compared the results of the income approach 
to our own recent sale experience and recent market 
comparable transactions in order to estimate fair value. The 
Gill Ranch Facility was originally included in the gas storage 
segment, which has since been eliminated, and is now 
included in discontinued operations. We determined 

  
circumstances existed that indicated the carrying value of 
the assets may not be recoverable. Those circumstances 
included the completion of a comprehensive strategic review 
process that evaluated various alternatives including a 
potential sale, as well as contracting for available storage at 
lower than anticipated values for the coming storage year. 
Given these considerations, management re-evaluated the 
estimated cash flows from our interests in the Gill Ranch 
Facility, and determined that those estimated cash flows 
were no longer sufficient to cover the carrying value of the 
assets. The results of Gill Ranch have been presented as a 
discontinued operation for NW Holdings and NW Natural on 
the consolidated statements of comprehensive income and 
cash flows, and the assets and liabilities associated with Gill 
Ranch have been classified as discontinued operations 
assets and liabilities on the consolidated balance sheets. 
See Note 18 for additional information.

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, 2018 and 2017, NW 
Holdings had outstanding checks of approximately $2.7 
million and $4.8 million, respectively, substantially all of 
which is recorded at NW Natural. These balances are 
included in accounts payable in the NW Holdings and NW 
Natural balance sheets.

Revenue Recognition and Accrued Unbilled Revenue
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 or water 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 
natural gas receipts and deliveries, customer use of natural 
gas or water by billing cycle, and weather factors. Accrued 
unbilled revenue is reversed the following month when 
actual billings occur. NW Holdings' accrued unbilled revenue 
at December 31, 2018 and 2017 was $57.8 million and 
$62.4 million, respectively, substantially all of which is 
accrued unbilled revenue at NW Natural. 

Revenues not related to NGD are derived primarily from 
Interstate Storage Services, asset management activities at 
the Mist gas storage facility, and other investments and 
business activities. At the Mist underground storage facility, 
revenues are primarily firm service revenues in the form of 
fixed monthly reservation charges. In addition, we also have 
asset management service revenue from an independent 
energy marketing company that optimizes commodity, 
storage, 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. 

Revenue Taxes 
Revenue-based taxes are primarily franchise taxes, which 
are collected from customers and remitted to taxing 
authorities. In 2018, revenue taxes are included in operating 
expenses in the statements of comprehensive income for 
NW Holdings and NW Natural. In 2017 and 2016, revenue 
taxes are included in operating revenues in the statements 
of comprehensive income for NW Holdings and NW Natural. 
All revenue taxes are recorded at NW Natural and were 
$30.1 million, $19.1 million, and $17.1 million for 2018, 2017, 
and 2016, respectively.  

Accounts Receivable and Allowance for Uncollectible 
Accounts 
Accounts receivable consist primarily of amounts due for 
natural gas sales and transportation services to NGD 
customers, plus amounts due for gas storage services. At 
NW Holdings and NW Natural we establish allowances for 
uncollectible accounts (allowance) for trade receivables, 
including accrued unbilled revenue, 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. A specific allowance is 
established and recorded for large individual customer 
receivables 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 the 
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. The allowance for uncollectible accounts is adjusted 
quarterly, as necessary, based on information currently 
available.

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

Gas storage inventories, which primarily represent 
inventories at the Gill Ranch Facility and are included in 
Discontinued operations - current assets on the consolidated 
balance sheets, 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 inventory balances, is 
recorded at original cost, and is classified as a long-term 
plant asset.

Materials and supplies inventories consist of inventories both 
related to and unrelated to NGD and are stated at the lower 
of average cost or net realizable value.

80

 
NW Natural's NGD and gas storage inventories totaled $29.9 
million and $36.7 million at December 31, 2018 and 2017, 
respectively. At December 31, 2018 and 2017, NW Holdings'  
materials and supplies inventories, which are comprised 
primarily of NW Natural's materials and supplies, totaled 
$14.2 million and $10.9 million, respectively. 

Gas Reserves
Gas reserves are payments to acquire and produce natural 
gas reserves. Gas reserves are stated at cost, adjusted for 
regulatory amortization, with the associated deferred tax 
benefits recorded as liabilities on the balance sheet. The 
current portion is calculated based on expected gas 
deliveries within the next fiscal year. NW Natural recognizes 
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 12.

Derivatives  
NW Natural's derivatives are measured at fair value and 
recognized as either assets or liabilities on the balance 
sheet. Changes in the fair value of the derivatives are 
recognized currently in earnings unless specific regulatory or 
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. NW Natural's financial derivatives generally 
qualify for deferral under regulatory accounting. NW 
Natural's index-priced physical derivative contracts also 
qualify for regulatory deferral accounting treatment.

Derivative contracts entered into for NGD requirements after 
the annual PGA rate has been set and maturing during the 
PGA year are subject to the PGA incentive sharing 
mechanism. In Oregon, NW Natural participates in a PGA 
sharing mechanism under which it is 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, 2018, 2017, and 2016, NW Natural 
selected the 90%, 90%, and 90% deferral of gas cost 
differences, respectively. In Washington, 100% of the 
differences between the PGA prices and actual gas costs are 
deferred. See Note 15.

NW Natural's financial derivatives policy sets forth the 
guidelines for using selected derivative products to support 
prudent risk management strategies within designated 
parameters. NW Natural's 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 not to exceed acceptable tolerance levels, 
and are determined necessary to support normal business 
activities. NW Natural does not enter into derivative 

81

instruments for trading purposes. All derivatives for NW 
Holdings are currently held at NW Natural. 

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 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. NW Natural considers 
liquid points for natural gas hedging to be those points for 
which there are regularly published prices in a nationally 
recognized publication or where the instruments are traded 
on an exchange.

Goodwill
NW Holdings, through its wholly-owned subsidiary NWN 
Water and NW Water's wholly-owned subsidiaries, has 
completed various acquisitions that resulted in the 
recognition of goodwill. Goodwill is measured as the excess 
of the acquisition-date fair value of the consideration 
transferred over the acquisition-date fair value of the net 
identifiable assets assumed. Adjustments are recorded 
during the measurement period to finalize the allocation of 
the purchase price. The carrying value of goodwill is 
reviewed annually during the fourth quarter using balances 
as of October 1, or whenever events or changes in 
circumstance indicate that such carrying values may not be 
recoverable. The goodwill assessment policy begins with a 
qualitative analysis in which events and circumstances are 
evaluated, including macroeconomic conditions, industry and 
market conditions, regulatory environments, and overall 
financial performance of the reporting unit. If the qualitative 
assessment indicates that the carrying value may be at risk 
of recoverability, a quantitative evaluation is performed to 
measure the carrying value of the goodwill against the fair 
value of the reporting unit. The reporting unit is determined 
primarily based on current operating segments and the level 
of review provided by the Chief Operating Decision Maker 
(CODM) and/or segment management on the operating 

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, it may not be 
possible to reasonably estimate the high end of the range of 
possible loss. In those cases, the nature of the potential loss 
and the fact that the high end of the range cannot be 
reasonably estimated is disclosed. See Note 17.

Subsequent Events
We monitor significant events occurring after the balance 
sheet date and prior to the issuance of the financial 
statements to determine the impacts, if any, of events on the 
financial statements to be issued. We do not have any 
subsequent events to report. 

segment's financial results. Reporting units are evaluated 
periodically for changes in the corporate environment. 
As of December 31, 2018, NW Holdings had goodwill of $9.0 
million. All of NW Holdings' goodwill was acquired in 2018 
through the business combinations completed by NWN 
Water and its wholly-owned subsidiaries. No impairment 
charges were recorded as a result of the fourth quarter 
goodwill impairment assessment.

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 enactment date period unless, 
for NW Natural, a regulatory Order specifies deferral of the 
effect of the change in tax rates over a longer period of time.  

For NW Natural, 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 NGD 
business. Regulatory tax assets and liabilities are recorded 
on these deferred tax assets and liabilities to the extent it is 
believed they will be recoverable from or refunded to 
customers in future rates. 

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

Interest and penalties related to unrecognized tax benefits, if 
any, are recognized within income tax expense and accrued 
interest and penalties are recognized 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 10. 

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, 
estimates are developed based on a review of information 
available from numerous sources, including completed 
studies and site specific negotiations. NW Natural's policy is 
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 

82

3. EARNINGS PER SHARE

Basic earnings or loss per share are computed using NW 
Holdings' net income or loss 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. Antidilutive stock awards are excluded 
from the calculation of diluted earnings or loss per common 
share. 

NW Holdings' diluted earnings or loss per share are calculated as follows:

In thousands, except per share data

Net income from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

Average common shares outstanding - basic

Additional shares for stock-based compensation plans (See Note 7)

Average common shares outstanding - diluted

Earnings (loss) from continuing operations per share of common stock:

Basic

Diluted

Loss from discontinued operations per share of common stock:

Basic

Diluted

Earnings (loss) per share of common stock:

Basic

Diluted

Additional information:

Antidilutive shares

4. SEGMENT INFORMATION

We primarily operate in one reportable business segment, 
which is NW Natural's local gas distribution business and is 
referred to as the NGD segment. During the second quarter 
of 2018, we moved forward with our long-term strategic 
plans, which include a shift away from the California gas 
storage business, by entering into a Purchase and Sale 
Agreement that provides for the sale of all of the 
membership interests in Gill Ranch, subject to various 
regulatory approvals and closing conditions. As such, we 
reevaluated reportable segments and concluded that the 
remaining gas storage activities no longer meet the 
requirements of a reportable segment. Interstate Storage 
Services and asset management activities at the Mist gas 
storage facility are now reported as other under NW 
Natural. NW Natural and NW Holdings also have 
investments and business activities not specifically related 
to NGD, which are aggregated and reported as other and 
described below for each entity.

No individual customer accounts for over 10% of NW 
Holdings' or NW Natural's operating revenues.

Natural Gas Distribution
The NGD 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. With regulated utility operations, NW Natural is 
responsible for building and maintaining a safe and reliable 
pipeline distribution system, purchasing sufficient gas 
supplies from producers and marketers, contracting for firm 

83

$

$

$

$

$

$

$

$

2018

2017

2016

67,311

$

72,073

$

(2,742)

(127,696)

64,569

$

(55,623) $

28,803

70

28,873

28,669

84

28,753

2.34

2.33

$

$

2.51

2.51

$

$

(0.10) $

(0.09) $

(4.45) $

(4.44) $

2.24

2.24

$

$

(1.94) $

(1.93) $

2

13

62,419

(3,524)

58,895

27,647

132

27,779

2.26

2.25

(0.13)

(0.13)

2.13

2.12

5

and interruptible transportation of gas over interstate 
pipelines to bring gas from the supply basins into its service 
territory, and re-selling the gas to customers subject to 
rates, terms, and conditions approved by the OPUC or 
WUTC. NGD 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 
NGD customers are located in Oregon and 11% in 
Washington. On an annual basis, residential and 
commercial customers typically account for around 60% of 
total NGD volumes delivered and around 90% of NGD 
margin. Industrial customers largely account for the 
remaining volumes and NGD margin. A small amount of the 
margin is also derived from miscellaneous services, gains 
or losses from an incentive gas cost sharing mechanism, 
and other service fees.

Industrial sectors served by NW Natural 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; and government 
and educational institutions.

In addition to NW Natural's local gas distribution business, 
the NGD segment also includes the portion of the Mist 
underground storage facility used to serve NGD customers, 
the North Mist gas storage expansion in Oregon, and NWN 
Gas Reserves, which is a wholly-owned subsidiary of 
Energy Corp. 

NW Natural
NW Natural activities included in Other includes Interstate 
Storage Services and third-party asset management 
services for the Mist facility in Oregon, appliance retail 
center operations, and corporate operating and non-
operating revenues and expenses that cannot be allocated 
to NGD operations. 

Earnings from Interstate Storage Services assets are 
primarily related to firm storage capacity revenues. 
Earnings from the Mist facility also include revenue, net of 
amounts shared with NGD customers, from management of 
NGD assets at Mist and upstream pipeline capacity when 
not needed to serve NGD customers. Historically, under the 
Oregon sharing mechanism, NW Natural retained 80% of 
the pre-tax income from these services when the costs of 
the capacity were not included in NGD rates, or 33% of the 
pre-tax income when the costs have been included in these 
rates. The remaining 20% and 67%, respectively, were 
recorded to a deferred regulatory account for crediting back 
to NGD customers. After November 1, 2018 NW Natural 
retains 10% of the pre-tax income when the costs have 
been included in these rates, 

and the remaining 90% is recorded to a deferred regulatory 
account for crediting back to NGD customers.

NW Holdings
NW Holdings' activities included in Other includes all 
remaining activities not associated with NW Natural, 
specifically NWN Water, which consolidates the water 
operations and is pursuing other investments in the water 
sector itself and through its wholly-owned subsidiaries, 
NWN Gas Storage, a wholly-owned subsidiary of NWN 
Energy, NWN Energy's equity investment in TWH, which is 
pursuing development of a cross-Cascades transmission 
pipeline project (TWP), and other pipeline assets in NNG 
Financial. For more information on TWP, see Note 13. 
Other also includes corporate revenues and expenses that 
cannot be allocated to other operations.

All prior period amounts have been retrospectively adjusted 
to reflect the change in reportable segments and the 
designation of Gill Ranch as a discontinued operation for 
NW Holdings, and the designation of subsidiaries 
previously owned by NW Natural that are now owned by 
NW Holdings as discontinued operations for NW Natural.

Segment Information Summary
Inter-segment transactions were immaterial for the periods 
presented. The following table presents summary financial 
information concerning the reportable segments of 
continued operations. See Note 18 for information 
regarding discontinued operations for NW Holdings and 
NW Natural.

In thousands

2018

Operating revenues

Depreciation and amortization

Income (loss) from operations

Net income (loss) from continuing operations

Capital expenditures
Total assets at December 31, 2018(2)

2017

Operating revenues

Depreciation and amortization

Income (loss) from operations
Net income from continuing operations(1)

Capital expenditures
Total assets at December 31, 2017(2)

2016

Operating revenues

Depreciation and amortization

Income (loss) from operations
Net income (loss) from continuing operations(3)

Capital expenditures
Total assets at December 31, 2016(2)
(1)  

NGD

Other
(NW Natural)

NW Natural

Other
(NW Holdings)

NW Holdings

$

680,648

$

24,923

$

705,571

$

83,732

118,095

57,491

212,323

3,141,969

1,254

15,004

10,558

2,005

50,767

84,986

133,099

68,049

214,328

572

170

(937)

(738)

308

$

706,143

85,156

132,162

67,311

214,636

3,192,736

36,657

3,229,393

$

732,942

$

22,096

$

755,038

$

— $

755,038

79,734

138,450

60,509

211,672

2,961,326

1,290

12,472

11,211

1,653

50,471

81,024

150,922

71,720

213,325

29

(20)

353

—

81,053

150,902

72,073

213,325

3,011,797

14,075

3,025,872

$

650,477

$

17,472

$

667,949

$

224

$

668,173

76,289

137,178

54,567

138,074

2,806,627

1,286

14,109

8,268

283

48,719

77,575

151,287

62,835

138,357

29

(570)

(416)

—

77,604

150,717

62,419

138,357

2,855,346

14,040

2,869,386

Includes $1.0 million of tax expense in NGD, $4.0 million of tax benefit in Other (NW Natural), and $0.4 million of tax benefit in Other (NW 
Holdings) from the TCJA remeasurement for the year ended December 31, 2017.

(2)  Total assets for NW Holdings exclude assets related to discontinued operations of $13.3 million, $13.9 million and $210.4 million as of 

December 31, 2018, 2017, and 2016, respectively. Total assets for NW Natural exclude assets related to discontinued operations of $31.9 
million and $226.1 million as of December 31, 2017, and 2016, respectively.
Includes $2.0 million in 2016 of after-tax regulatory environmental disallowance charges in NGD.

(3) 

84

Natural Gas Distribution Margin
NGD margin is a financial measure used by the CODM, 
consisting of NGD operating revenues, reduced by the 
associated cost of gas, environmental recovery revenues, 
and revenue taxes. The cost of gas purchased for NGD 
customers is generally a pass-through cost in the amount of 
revenues billed to regulated NGD customers. 
Environmental recovery revenues represent collections 
received from customers through the environmental 
recovery mechanism in Oregon. These collections are 
offset by the amortization of environmental liabilities, which 

is presented as environmental remediation expense in 
operating expenses. Revenue taxes are collected from 
NGD customers and remitted to taxing authorities. The 
collections from customers are offset by the expense 
recognition of the obligation to the taxing authority. By 
subtracting cost of gas, environmental remediation 
expense, and revenue taxes from NGD operating revenues, 
NGD margin provides a key metric used by the CODM in 
assessing the performance of the NGD segment. 

The following table presents additional segment information concerning NGD margin:

In thousands

NGD margin calculation:

NGD operating revenues

Less: NGD cost of gas

          Environmental remediation expense
          Revenue taxes(1)

NGD margin

2018

2017

2016

$

680,648

$

732,942

$

255,743

11,127

30,082

325,019

15,291

—

650,477

260,588

13,298

—

$

383,696

$

392,632

$

376,591

(1) 

The change in presentation of revenue taxes was a result of the adoption of ASU 2014-09 "Revenue From Contracts with Customers" and 
all related amendments on January 1, 2018. This change had no impact on NGD margin results as revenue taxes were previously 
presented net in NGD operating revenue. For additional information, see Note 2.

5. COMMON STOCK

As part of the reorganization of NW Holdings and NW 
Natural into a holding company structure effective October 
1, 2018, NW Natural shareholders automatically became 
shareholders of NW Holdings on a one-for-one share basis 
with the same number of shares and same relative 
ownership percentage in NW Holdings as was held in NW 
Natural immediately prior to the reorganization.

As of December 31, 2018, NW Holdings had 100 million 
shares of common stock authorized. As of December 31, 
2018 and 2017, NW Natural had 100 million shares of 
common stock authorized. As of December 31, 2018, NW 
Holdings had 24,339 shares reserved for issuance of 
common stock under the Employee Stock Purchase Plan 
(ESPP) and 394,204 shares reserved for issuance under 
the Dividend Reinvestment and Direct Stock Purchase Plan 
(DRPP). At NW Holdings' election, shares sold through the 
DRPP may be purchased in the open market or through 
original issuance of shares reserved for issuance under the 
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 remain 
outstanding until the earlier of their expiration, forfeiture, or 
exercise. Options are now exercisable for shares of NW 
Holdings common stock. There were 55,938 options 
outstanding at December 31, 2018, which were granted 
prior to termination of the plan. 

During November 2016, NW Natural completed an equity 
issuance consisting of an offering of 880,000 shares of  
common stock along with a 30-day option for the 
underwriters to purchase an additional 132,000 shares. The 
offering closed on November 16, 2016 and resulted in a 
total issuance of 1,012,000 shares as both the initial offering 
and the underwriter option were fully executed. All shares 

were issued on November 16, 2016 at an offering price of 
$54.63 per share and resulted in total net proceeds of $52.8 
million.

Stock Repurchase Program
NW Holdings has a share repurchase program under which 
it may purchase its common shares on the open market or 
through privately negotiated transactions. NW Holdings 
currently has Board authorization through May 2019 to 
repurchase up to an aggregate of the greater of 2.8 million 
shares or $100 million. No shares of common stock were 
repurchased pursuant to this program during the year ended 
December 31, 2018. Since the plan’s inception in 2000 
under NW Natural, a total of 2.1 million shares have been 
repurchased at a total cost of $83.3 million.

The following table summarizes the changes in the number 
of shares of NW Holdings' common stock issued and 
outstanding:

In thousands

Balance, December 31, 2015

   Sales to employees under ESPP

Stock-based compensation

   Equity Issuance

Balance, December 31, 2016

   Sales to employees under ESPP

Stock-based compensation

Balance, December 31, 2017

   Sales to employees under ESPP

Stock-based compensation

   Sales to shareholders under DRPP

Balance, December 31, 2018

85

Shares

27,427

18

173

1,012

28,630

18

88

28,736

19

64

61

28,880

6. REVENUE

The following table presents disaggregated revenue from continuing operations:

In thousands

Natural gas sales

Gas storage revenue, net

Asset management revenue, net

Appliance retail center revenue

Other revenue 

    Revenue from contracts with customers

670,662

Alternative revenue

Leasing revenue

8,989

997

Year ended December 31, 2018

NGD

Other
(NW Natural)

NW Natural

Other
(NW Holdings)

NW Holdings

$

670,662

$

— $

670,662

$

— $

—

—

—

—

10,780

8,548

5,595

—

24,923

—

—

10,780

8,548

5,595

—

695,585

8,989

997

—

—

—

572

572

—

—

670,662

10,780

8,548

5,595

572

696,157

8,989

997

    Total operating revenues

$

680,648

$

24,923

$

705,571

$

572

$

706,143

NW Natural's revenue represents substantially all of NW 
Holdings' revenue and is recognized for both registrants 
when the obligation to customers is satisfied and in the 
amount expected to be received in exchange for 
transferring goods or providing services. Revenue from 
contracts with customers contain one performance 
obligation that is generally satisfied over time, using the 
output method based on time elapsed, due to the 
continuous nature of the service provided. The transaction 
price is determined per a set price agreed upon in the 
contract or dependent on regulatory tariffs. Customer 
accounts are settled on a monthly basis or paid at time of 
sale and based on historical experience. It is probable that 
we will collect substantially all of the consideration to which 
we are entitled. 

NW Holdings and NW Natural do not have any material 
contract assets, as net accounts receivable and accrued 
unbilled revenue balances are unconditional and only 
involve the passage of time until such balances are billed 
and collected. NW Holdings and NW Natural do not have 
any material contract liabilities. 

Revenue-based taxes are primarily franchise taxes, which 
are collected from NGD customers and remitted to taxing 
authorities. Beginning January 1, 2018, revenue taxes are 
included in operating revenues with an equal and offsetting 
expense recognized in operating expenses in the 
consolidated statements of comprehensive income. 

Natural Gas Distribution
Natural gas sales. NW Natural's primary source of revenue 
is providing natural gas to customers in the NGD service 
territory, which includes residential, commercial, industrial 
and transportation customers. NGD revenue is generally 
recognized over time upon delivery of the gas commodity or 
service to the customer, and the amount of consideration 
received and recognized as revenue is dependent on the 
Oregon and Washington tariffs. Customer accounts are to 
be paid in full each month, and there is no right of return or 
warranty for services provided. Revenues include firm and 
interruptible sales and transportation services, franchise 
taxes recovered from the customer, late payment fees, 
service fees, and accruals for gas delivered but not yet 
billed (accrued unbilled revenue). The accrued unbilled 

86

revenue balance is based on estimates of deliveries during 
the period from the last meter reading and management 
judgment is required for a number of factors used in this 
calculation, including customer use and weather factors. 

We applied the significant financing practical expedient and 
have not adjusted the consideration NW Natural expects to 
receive from NGD customers for the effects of a significant 
financing component as all payment arrangements are 
settled annually. Due to the election of the right to invoice 
practical expedient, we do not disclose the value of 
unsatisfied performance obligations as of December 31, 
2018.

Alternative revenue. Weather normalization (WARM) and 
decoupling mechanisms are considered to be alternative 
revenue programs. Alternative revenue programs are 
considered to be contracts between NW Natural and its 
regulator and are excluded from revenue from contracts 
with customers.  

Leasing revenue. Leasing revenue primarily consists of 
rental revenue for small leases of property owned for NGD 
to third parties. The majority of the transactions are 
accounted for as operating leases and the revenue is 
recognized on a straight-line basis over the term of the 
lease agreement. Lease revenue is excluded from revenue 
from contracts with customers.

NW Natural Other
Gas storage revenue. NW Natural's other revenue includes 
gas storage activity, which includes Interstate Storage 
Services used to store natural gas for customers. Gas 
storage revenue is generally recognized over time as the 
gas storage service is provided to the customer and the 
amount of consideration received and recognized as 
revenue is dependent on set rates defined per the storage 
agreements. Noncash consideration in the form of 
dekatherms of natural gas is received as consideration for 
providing gas injection services to gas storage customers. 
This noncash consideration is measured at fair value using 
the average spot rate. Customer accounts are generally 
paid in full each month, and there is no right of return or 
warranty for services provided. Revenues include firm and 

 
interruptible storage services, net of the profit sharing 
amount refunded to NGD customers. 

Asset management revenue. Asset management revenue 
is generally recognized over time using a straight-line 
approach over the term of each contract, and the amount of 
consideration received and recognized as revenue is 
dependent on a variable pricing model. Variable revenues 
earned above guaranteed amounts are estimated and 
recognized at the end of each period using the most likely 
amount approach. Revenues include the optimization of the 
storage assets and pipeline capacity provided, net of the 
profit sharing amount refunded to NGD customers. Asset 
management accounts are settled on a monthly basis.

As of December 31, 2018, unrecognized revenue for the 
fixed component of the transaction price related to gas 
storage and asset management revenue was 
approximately $56.0 million. Of this amount, approximately 
$14.1 million will be recognized in 2019, $11.7 million in 
2020, $10.7 million in 2021, $7.0 million in 2022, $5.8 
million in 2023, and $6.7 million thereafter. The amounts 
presented here are calculated using current contracted 
rates. On October 12, 2018, NW Natural filed a rate petition 
with FERC for revised maximum cost-based rates, which 
incorporated the new federal corporate income tax rate. 
The revised rates became effective November 1, 2018.

Appliance retail center revenue. NW Natural owns and 
operates an appliance store that is open to the public, 

7. STOCK-BASED COMPENSATION

Stock-based compensation plans are designed to promote 
stock ownership in NW Holdings by employees and officers. 
These compensation plans include a Long Term Incentive 
Plan (LTIP), an ESPP, and a Restated SOP. 

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 NW Holdings 
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 
1,100,000 shares were authorized for issuance as of 
December 31, 2018. Shares awarded under the LTIP may 
be purchased on the open market or issued as original 
shares. 

Of the 1,100,000 shares of common stock authorized for 
LTIP awards at December 31, 2018, there were 574,787 
shares available for issuance under any type of award. This 
assumes 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, 2018 or 2017. 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. 
Forfeitures are recognized as they occur.

87

where customers can purchase natural gas home 
appliances. Revenue from the sale of appliances is 
recognized at the point in time in which the appliance is 
transferred to the third party responsible for delivery and 
installation services and when the customer has legal title 
to the appliance. It is required that the sale be paid for in full 
prior to transfer of legal title. The amount of consideration 
received and recognized as revenue varies with changes in 
marketing incentives and discounts offered to customers. 

NW Holdings Other
NW Holdings' primary source of other revenue is providing 
water distribution services to customers. Water distribution 
revenue is generally recognized over time upon delivery of 
the water commodity or service to the customer, and the 
amount of consideration received and recognized as 
revenue is dependent on the Oregon, Washington and 
Idaho tariffs. Customer accounts are to be paid in full each 
month, and there is no right of return or warranty for 
services provided. 

We applied the significant financing practical expedient and 
have not adjusted the consideration we expect to receive 
from water distribution customers for the effects of a 
significant financing component as all payment 
arrangements are settled annually. Due to the election of 
the right to invoice practical expedient, we do not disclose 
the value of unsatisfied performance obligations as of 
December 31, 2018.

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 thousands

Estimated award:

2016-2018 grant(3)

Actual award:

2015-2017 grant

2014-2016 grant

Shares(1) 

Expense 
During Award 
Year(2)

Total
Expense
for Award

28,218

$

598

$

1,413

18,304

31,388

(346)

168

1,169

1,685

(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. 

(3) 

(2)   Amount represents the expense recognized in the third year of 
the vesting period noted above. For the 2015-2017 grant, 
targets were not met and expense was reversed during 2017 
that had been previously recognized.
This represents the estimated number of shares to be 
awarded as of December 31, 2018 as certain performance 
share measures have been achieved. Amounts are subject to 
change with final payout amounts authorized by the Board of 
Directors in February 2019.

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

Dollars in
thousands

Performance
Period

2016-18

2017-19

2018-20

Total

Performance Share
Awards Outstanding

2018

Target

Maximum

Expense

Cumulative
Expense

December
31, 2018

24,421

31,372

—

48,842

$

598

$

62,744

—

458

—

1,413

1,400

—

55,793

111,586

$

1,056

For the 2016-2018 performance period, performance share 
awards are based on EPS and Return on Invested Capital 
(ROIC) factors and a total shareholder return (TSR factor) 
relative to the Dow Jones U.S. Gas Distribution peer group 
over the three-year performance period. Additionally, these 
plans are based on performance results achieved relative to 
specific core and non-core strategies (strategic factor). For 
the 2017-2019 performance period, performance share 
awards are based on the achievement of EPS and ROIC 
factors, which can be modified by a TSR factor relative to 
the performance of the Russell 2500 Utilities Index over the 
three-year performance period and a growth modifier based 
on accumulative EBITDA measure. For the 2018-2020 
performance period, performance share awards are based 
on the achievement of a three-year ROIC threshold that 
must be met and a cumulative EPS factor, which can be 
modified by a TSR factor relative to the performance of the 
Russell 2500 Utilities Index over the three-year performance 
period. The 2018-2020 performance period allows for one of 
the performance factors to remain variable until the first 
quarter of the third year of the award period. As the 
performance factor will not be approved until the first quarter 
of 2020, there is not a mutual understanding of the award’s 
key terms and conditions between NW Natural and the 
participants as of December 31, 2018, and therefore, no 
expense was recognized for the 2018-2020 performance 
period. NW Natural will calculate the grant date fair value 
and recognize expense once the final performance factor 
has been approved. If the target was achieved for the 2018 
award, NW Holdings would grant 34,702 shares in the first 
quarter of 2020.

Compensation expense is recognized in accordance with 
accounting standards 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 nonvested shares 
at December 31, 2018 and 2017 was $57.05 and $56.40 per 
share, respectively. The weighted-average grant date fair 
value of shares vested during the year was $56.23 per 
share and there were no performance shares granted during 
the year for accounting purposes. As of December 31, 2018, 
there was $1.1 million of unrecognized compensation 
expense related to the nonvested portion of performance 
awards expected to be recognized through 2019.

Restricted Stock Units
In 2012, RSUs began being granted under the LTIP instead 
of stock options under the Restated SOP. Generally, the 
RSUs awarded are forfeitable and include a performance-
based threshold as well as a vesting period of four years 
from the grant date. Upon vesting, the RSU holder is issued 
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. The 
fair value of an RSU is equal to the closing market price of 
NW Holdings' common stock on the grant date. During 
2018, total RSU expense was $1.8 million compared to $1.6 
million in 2017 and $1.5 million in 2016. As of December 31, 
2018, there was $3.1 million of unrecognized compensation 
cost from grants of RSUs, which is expected to be 
recognized over a period extending through 2023.

Information regarding the RSU activity is summarized as 
follows:

Number
of
RSUs

Weighted -
Average
Price Per 
RSU

Nonvested, December 31, 2015

88,587

$

Granted

Vested

Forfeited

Nonvested, December 31, 2016

Granted

Vested

Forfeited

Nonvested, December 31, 2017

Granted

Vested

Forfeited

40,271

(29,488)

(9,397)

89,973

32,168

(35,341)

(2,278)

84,522

32,450

(32,689)

(1,603)

Nonvested, December 31, 2018

82,680

$

44.78

54.36

45.56

44.59

48.85

60.51

47.07

53.78

53.90

57.59

50.75

59.95

56.47

Restated Stock Option Plan
The NW Natural Restated SOP was terminated for new 
option grants in 2012; however, options granted before the 
plan terminated remain outstanding until the earlier of their 
expiration, forfeiture, or exercise and are now exercisable 
for shares of NW Holdings common stock. Any new grants 
of stock options will be made under NW Holdings' LTIP, 
however, no option grants have been awarded since 2012 
and all stock options were vested as of December 31, 2015.

Options under the Restated SOP were granted to officers 
and key employees designated by a committee of the 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 of 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.

88

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, 2015

352,688

$

44.00

$

Exercised

Forfeited

Balance outstanding,
December 31, 2016

Exercised

Forfeited

Balance outstanding
and exercisable,
December 31, 2017

Exercised

Expired

Balance outstanding
and exercisable,
December 31, 2018

(172,525)

—

180,163

(88,275)

(200)

91,688

(35,450)

(300)

43.61

n/a

44.38

44.33

41.15

44.43

43.61

43.29

55,938

$

44.96

$

0.9

During 2018, cash of $1.5 million was received for stock 
options exercised and $0.2 million related tax benefit was 
recognized. The weighted-average remaining life of options 
exercisable and outstanding at December 31, 2018 was 
1.69 years.

8. DEBT

2.3

2.0

n/a

2.8

1.8

n/a

1.4

0.8

n/a

Employee Stock Purchase Plan
NW Holdings' ESPP allows employees of NW Holdings, NW 
Natural and certain designated subsidiaries 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 
$21,205 worth of stock through payroll deductions over a 
period defined by the Board of Directors, with shares issued 
at the end of the 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 at the entity at which the 
award recipient is employed. The following table 
summarizes the NW Holdings' financial statement impact, 
substantially all of which was recorded at NW Natural, of 
stock-based compensation under the LTIP, Restated SOP 
and ESPP:

In thousands

2018

2017

2016

Operations and maintenance
expense, for stock-based
compensation

$ 2,489 $ 2,354 $ 2,370

Income tax benefit

(659)

(930)

(924)

Net stock-based compensation
effect on net income (loss)

$ 1,830 $ 1,424 $ 1,446

Amounts capitalized for stock-based
compensation

$

531 $

528 $

554

Short-Term Debt
The primary source of short-term liquidity for NW Holdings is 
cash balances, dividends from its operating subsidiaries, in 
particular NW Natural, available cash from a multi-year 
credit facility, and short-term credit facilities it may enter into 
from time to time.

The carrying cost of 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, 2018, NW Natural's commercial 
paper had a maximum remaining maturity of 46 days and an 
average remaining maturity of 22 days. 

Credit Agreements
NW Holdings
In October 2018, NW Holdings entered into a $100.0 million 
credit agreement, with a feature that allows it to request 
increases in the total commitment amount, up to a maximum 
of $150.0 million. The maturity date of the agreement is 
October 2, 2023, with available extensions of commitments 
for two additional one-year periods, subject to lender 
approval. 

The primary source of short-term liquidity for NW Natural is 
from the sale of commercial paper and bank loans. NW 
Natural has a commercial paper program, and NW Holdings 
and NW Natural have separate bank facilities. In addition to 
issuing commercial paper or bank loans 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 capital 
requirements. For NW Natural, commercial paper and bank 
loans are periodically refinanced through the sale of long-
term debt or equity contributions from NW Holdings. NW 
Natural's commercial paper is sold through two commercial 
banks under an issuing and paying agency agreement and 
is supported by one or more unsecured revolving credit 
facilities. See “Credit Agreements” below. 

At December 31, 2018 and 2017, NW Holdings had short-
term debt outstanding of $217.6 million and $54.2 million, 
respectively, substantially all of which was recorded at NW 
Natural and was comprised primarily of NW Natural's 
commercial paper. The weighted average interest rate of 
commercial paper outstanding at December 31, 2018 and 
2017 was 3.0% and 1.9%, respectively. 

89

 
The new credit agreement also requires NW Natural to 
maintain credit ratings with S&P and Moody’s and notify the 
lenders of any change in NW Natural's senior unsecured 
debt ratings or senior secured debt ratings, as applicable, by 
such rating agencies. A change in NW Natural's 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 new credit agreement. Rather, 
interest rates on any loans outstanding under the new credit 
agreement are tied to debt ratings and therefore, a change 
in the debt rating would increase or decrease the cost of any 
loans under the new credit agreement when ratings are 
changed.

Long-Term Debt
NW Natural's issuance of FMBs, which includes NW 
Natural's 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 NW Natural's NGD property. 

Maturities and Outstanding Long-Term Debt
Retirement of long-term debt for each of the annual periods 
through December 31, 2023 and thereafter are as follows: 

In thousands

2019

2020

2021

2022

2023

Thereafter

Long-term debt
maturities

$

30,000

75,000

60,000

—

90,000

484,700

The NW Holdings credit agreement permits the issuance of 
letters of credit in an aggregate amount of up to $40.0 
million. The principal amount of borrowings under the credit 
agreement is due and payable on the maturity date. The 
credit agreement requires NW Holdings 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. NW 
Holdings was in compliance with this covenant at December 
31, 2018.

The agreement also requires NW Holdings to maintain debt 
ratings (which are defined by a formula using NW Natural's 
credit ratings in the event NW Holdings does not have a 
credit rating) with Standard & Poor's (S&P) and Moody's 
Investors Service, Inc. (Moody’s) and notify the lenders of 
any change in its senior unsecured debt ratings or senior 
secured debt ratings, as applicable, by such rating 
agencies. A change in NW Holdings' 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. NW Holdings 
does not currently maintain ratings with S&P or Moody's.

There were no outstanding balances and no letters of credit 
issued or outstanding under the NW Holdings agreement at 
December 31, 2018. NW Holdings had $2.8 million of letters 
of credit issued and outstanding, separate from the 
aforementioned credit agreement, at December 31, 2018. 

NW Natural
In October 2018, NW Natural entered into a new multi-year 
credit agreement for unsecured revolving loans totaling 
$300.0 million, with a feature that allows NW Natural to 
request increases in the total commitment amount, up to a 
maximum of $450.0 million. The maturity date of the 
agreement is October 2, 2023 with available extensions of 
commitments for two additional one-year periods, subject to 
lender approval. The new credit agreement is substantially 
similar to the prior credit agreement which was terminated 
upon the closing of the New Credit Agreement. The new 
credit agreement permits the issuance of letters of credit in 
an aggregate amount of up to $60.0 million. The principal 
amount of borrowings under the credit agreement is due 
and payable on the maturity date. There were no 
outstanding balances under NW Natural's prior credit 
agreement or the new credit agreement and no letters of 
credit issued or outstanding at December 31, 2018 and 
2017.

NW Natural's prior credit agreement and the new credit 
agreement require NW Natural 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. NW 
Natural was in compliance with this covenant at December 
31, 2018 and 2017.

90

The following table presents debt outstanding as of 
December 31:

In thousands

NW Natural

First Mortgage Bonds:

6.600% Series due 2018
1.545% Series due 2018
8.310% Series due 2019
7.630% Series due 2019
5.370% Series due 2020
9.050% Series due 2021
3.176% Series due 2021
3.542% Series due 2023
5.620% Series due 2023
7.720% Series due 2025
6.520% Series due 2025
7.050% Series due 2026
3.211% Series due 2026
7.000% Series due 2027
2.822% Series due 2027
6.650% Series due 2027
6.650% Series due 2028
7.740% Series due 2030
7.850% Series due 2030
5.820% Series due 2032
5.660% Series due 2033
5.250% Series due 2035
4.000% Series due 2042
4.136% Series due 2046
3.685% Series due 2047
4.110% Series due 2048

Less: current maturities

$

2018

2017

— $
—
10,000
20,000
75,000
10,000
50,000
50,000
40,000
20,000
10,000
20,000
35,000
20,000
25,000
19,700
10,000
20,000
10,000
30,000
40,000
10,000
50,000
40,000
75,000
50,000
739,700

30,000

22,000
75,000
10,000
20,000
75,000
10,000
50,000
50,000
40,000
20,000
10,000
20,000
35,000
20,000
25,000
19,700
10,000
20,000
10,000
30,000
40,000
10,000
50,000
40,000
75,000
—
786,700

97,000

Total long-term debt

$ 709,700

$ 689,700

Other NW Holdings Entities:

Long-term debt obligations

$

2,113

$

—

NW Holdings:

Long-term debt, gross

Less: current maturities

Total long-term debt

$ 741,813

$ 786,700

30,000

97,000

$ 711,813

$ 689,700

First Mortgage Bonds
In September 2018, NW Natural issued $50.0 million of 
FMBs with a coupon rate of 4.110%, due in 2048.

In September 2017, NW Natural issued $100.0 million of 
FMBs consisting of $25.0 million with a coupon rate of 
2.822% and a maturity date in 2027 and $75.0 million with a 
coupon rate of 3.685% and a maturity date in 2047. 

Retirements of Long-Term Debt
In March 2018, NW Natural retired $22.0 million of FMBs 
with a coupon rate of 6.600%, and retired $75.0 million of 
FMBs with a coupon rate of 1.545% in December 2018. 

In August 2017, NW Natural retired $40.0 million of FMBs 
with a coupon rate of 7.000%. 

Fair Value of Long-Term Debt
NW Holdings' and NW Natural's outstanding debt does not 
trade in active markets. The fair value of debt is estimated 
using natural gas distribution companies with similar credit 
ratings, terms, and remaining maturities to NW Holdings' 
and NW Natural's debt that actively trade in public markets. 
Substantially all outstanding debt at NW Holdings is 
comprised of NW Natural debt. 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 
NW Natural's long-term debt, including current maturities of 
long-term debt, using market prices in effect on the 
valuation date:

In thousands

Gross long-term debt

Unamortized debt
issuance costs

Carrying amount

Estimated fair value

December 31,

2018

2017

739,700

$

786,700

(5,577)

734,123

760,222

$

$

(6,813)

779,887

853,339

$

$

$

9. PENSION AND OTHER POSTRETIREMENT BENEFIT COSTS 

NW Natural maintains 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. NW Natural also has a qualified defined contribution 
plan (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 pension plans and postretirement benefits for non-
union employees and union employees, respectively, were 
closed to new participants. 

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. 

91

 
The following table provides a reconciliation of the changes in NW Natural's benefit obligations and fair value of plan assets, as 
applicable, for NW Natural's pension and other postretirement benefit plans, excluding the Retirement K Savings Plan, and a 
summary of the funded status and amounts recognized in NW Holdings' and NW Natural's 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(1)

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(1)

Fair value of plan assets at December 31

Funded status at December 31

Postretirement Benefit Plans

Pension Benefits

Other Benefits

2018

2017

2018

2017

$

486,289

$

457,839

$

28,927

$

29,395

7,185

16,991

(32,979)

(21,918)

7,090

18,111

34,829

(31,580)

282

964

(327)

(1,674)

341

1,141

(213)

(1,737)

$

455,568

$

486,289

$

28,172

$

28,927

$

287,925

$

257,714

$

(25,925)

17,715

(21,918)

40,308

21,483

(31,580)

— $

—

1,674

(1,674)

257,797

$

287,925

$

— $

—

—

1,737

(1,737)

—

(197,771) $

(198,364) $

(28,172) $

(28,927)

$

$

(1)  

In 2017, NW Natural completed a partial buy-out of its qualified defined benefit pension plan in which $9.3 million of plan assets and $8.7 
million of liabilities were transferred to an insurer to provide annuities for buy-out plan participants. 

NW Natural's qualified defined benefit pension plan had a projected benefit obligation of $420.2 million and $449.7 million at 
December 31, 2018 and 2017, respectively, and fair values of plan assets of $257.8 million and $287.9 million, respectively. The 
plan had an accumulated benefit obligation of $385.9 million and $410.3 million at December 31, 2018 and 2017, respectively. 

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

2018

2017

2016

2018

2017

2016

2018

2017

2016

Net actuarial loss (gain)

$ 14,261

$ 12,177

$ 14,005

$

(327) $

(214) $

(1,488) $

(677) $

2,777

$

(1,196)

Settlement Loss

Amortization of:

Prior service cost

Actuarial loss

—

—

—

—

—

—

(42)

(127)

(230)

(18,761)

(14,802)

(13,238)

468

(448)

468

(696)

468

(705)

—

—

—

—

(1,052)

(946)

Total

$ (4,542) $ (2,752) $

537

$

(307) $

(442) $

(1,725) $

(1,729) $

1,831

$

193

—

1,386

383

The following table presents amounts recognized in regulatory assets and accumulated other comprehensive loss (AOCL) at 
December 31:

In thousands

Prior service cost (credit)

Net actuarial loss

Total

Regulatory Assets

AOCL

Pension Benefits

Other Postretirement Benefits

Pension Benefits

2018

2017

2018

2017

2018

2017

$

$

7

$

49

$

(1,738) $

(2,206) $

— $

170,535

175,035

6,189

6,964

11,537

170,542

$

175,084

$

4,451

$

4,758

$

11,537

$

—

13,266

13,266

92

The following table presents amounts recognized by NW Holdings and NW Natural in AOCL and the changes in AOCL related to 
NW Natural's non-qualified employee benefit plans:

In thousands

Beginning balance

Amounts reclassified to AOCL

Amounts reclassified from AOCL:

Amortization of actuarial losses

Total reclassifications before tax

Tax expense (benefit)

Total reclassifications for the period

Ending balance

In 2019, NW Natural will amortize an estimated $13.7 million 
from regulatory assets to net periodic benefit costs, 
consisting of $14.2 million of actuarial losses offset by $0.5 
million of prior service credits. A total of $0.6 million will be 
amortized from AOCL to earnings related to actuarial losses 
in 2019.

The assumed discount rate for NW Natural's pension plan 
and other postretirement benefit plans was determined 
independently based on the FTSE 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 plans to reflect the 
timing and amount of expected future benefit payments for 
these plans.

The assumed expected long-term rate of return on plan 
assets for NW Natural's 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 plan’s assets are invested and the target asset 
allocation for plan assets.

The investment strategy and policies for qualified pension 
plan assets held in the retirement trust fund were approved 
by the NW Natural 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, and real estate. Plan 
assets may be invested in separately managed accounts or 
in commingled or mutual funds. Investment re-balancing 
takes place periodically as needed, or when significant cash 
flows occur, in order to maintain the allocation of assets 
within the stated target ranges. The retirement trust fund is 
not currently invested in NW Holdings or NW Natural 
securities.

93

Year Ended December 31,

2018

2017

(8,438) $

642

1,052

1,694

(444)

1,250

(7,188) $

(6,951)

(2,794)

946

(1,848)

361

(1,487)

(8,438)

$

$

The following table presents the NW Natural pension plan 
asset target allocation at December 31, 2018:

Asset Category

Long government/credit

U.S. large cap equity

Non-U.S. equity

Absolute return strategies

U.S. small/mid cap equity

Real estate funds

High yield bonds

Emerging markets equity

Emerging market debt

 Target Allocation

20%

18

18

12

10

7

5

5

5

Non-qualified supplemental defined benefit plan obligations 
were $35.4 million and $36.6 million at December 31, 2018 
and 2017, 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, a significant portion of the obligations is 
indirectly funded with company and trust-owned life 
insurance and other assets.

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 expected returns on plan assets, and the 
amortization of gains and losses and prior service costs. 
The gains and losses are the sum of the actuarial and asset 
gains and losses throughout the year and are amortized 
over the average remaining service period of active 
participants. The asset gains and losses 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 two-year period from the year in which they occur, 
thereby reducing year-to-year net periodic benefit cost 
volatility.

 
 
 
The service cost component of net periodic benefit cost for NW Natural pension and other postretirement benefit plans is 
recognized in operations and maintenance expense in the consolidated statements of comprehensive income. The other non-
service cost components are recognized in other income (expense), net in the consolidated statements of comprehensive 
income. The following table provides the components of net periodic benefit cost for NW Natural'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 prior service costs

Amortization of net actuarial loss

Settlement expense

Net periodic benefit cost

Amount allocated to construction

Amount deferred to regulatory balancing account

Pension Benefits

Other Postretirement Benefits

2018

2017

2016

2018

2017

2016

$

7,185

$

7,090

$

7,083

$

16,991

(20,639)

43

19,813

—

23,393

(2,764)

(10,314)

18,111

18,399

(20,433)

(20,054)

127

15,748

—

20,643

(6,597)

(6,542)

231

14,624

193

20,476

(5,746)

(6,252)

282

964

—

(468)

448

—

1,226

(98)

—

$

341

$

1,141

—

(468)

696

—

1,710

(587)

—

391

1,175

—

(468)

705

—

1,803

(600)

—

Net amount charged to expense

$

10,315

$

7,504

$

8,478

$

1,128

$

1,123

$

1,203

Net periodic benefit costs are reduced by amounts capitalized to NGD plant based on approximately 25% to 35% payroll 
overhead charge. In addition, a certain amount of net periodic benefit costs were recorded to the regulatory balancing account, 
representing net periodic pension expense for the qualified plan above the amount set in rates, as approved by the OPUC, from 
2011 through October 31, 2018. On October 26, 2018 the OPUC ordered that the balancing account be frozen as of October 31, 
2018, with recovery subject to future proceedings. Effective November 1, 2018 the OPUC authorized an additional $8.1 million to 
be included in rates for defined benefit pension plan expenses.

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

2018

2017

2016

2018

2017

2016

Assumptions for net periodic benefit cost:

Weighted-average discount rate

3.51%

3.99%

4.17%

3.44%

3.85%

4.00%

Rate of increase in compensation

3.25-4.5%

3.25-4.5%

3.25-4.5%

Expected long-term rate of return

7.50%

7.50%

7.50%

n/a

n/a

n/a

n/a

n/a

n/a

Assumptions for year-end funded status:

Weighted-average discount rate

4.20%

3.52%

4.00%

4.13%

3.44%

3.85%

Rate of increase in compensation

3.25-3.5%

3.25-4.5%

3.25-4.5%

Expected long-term rate of return

7.50%

7.50%

7.50%

n/a

n/a

n/a

n/a

n/a

n/a

Mortality assumptions are reviewed annually and are 
updated for material changes as necessary. In 2018, 
mortality rate assumptions were updated from RP-2006 
mortality tables for employees and healthy annuitants with a 
fully generational projection using scale MP-2017 to 
RP-2014 mortality tables using scale MP-2018, which 
partially offset increases of the projected benefit obligation. 

The assumed annual increase in health care cost trend 
rates used in measuring other postretirement benefits as of 
December 31, 2018 was 6.75%. 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 2025.

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 by NW Natural. 

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

$

43

$

(39)

622

(560)

94

 
 
 
 
 
 
 
 
The following table provides information regarding employer 
contributions and benefit payments for NW Natural's 
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

$

21,483

$

Employer Contributions:

2017

2018

2019 (estimated)

Benefit Payments:

2016

2017

2018

Estimated Future Benefit Payments:

2019

2020

2021

2022

2023

2024-2028

17,715

13,318

20,959

31,580

21,918

22,699

23,622

24,516

25,316

26,074

145,917

1,737

1,674

1,787

1,732

1,737

1,674

1,787

1,846

1,930

1,941

1,993

9,628

Employer Contributions to Company-Sponsored 
Defined Benefit Pension Plans
NW Natural makes contributions to its 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 
extended funding relief for an additional five years.  

The qualified defined benefit pension plan was underfunded 
by $162.4 million at December 31, 2018. Including the 
impacts of MAP-21 and HATFA, NW Natural made cash 
contributions totaling $15.5 million to its qualified defined 
benefit pension plan for 2018. During 2019, NW Natural 
expects to make contributions of approximately $11.0 million 
to this plan.

Multiemployer Pension Plan
In addition to the NW Natural-sponsored defined benefit 
plans presented above, prior to 2014 NW Natural 
contributed to a multiemployer pension plan for its NGD 
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, NW 

95

Natural 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, NW Natural was 
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. 

Payments were $0.6 million for 2018, and as of December 
31, 2018 the liability balance was $6.8 million. For 2017 and 
2016, contributions to the plan were $0.6 million and $0.6 
million, respectively, which was approximately 4% to 6% of 
the total contributions to the plan by all employer 
participants in those years.

Defined Contribution Plan
NW Natural's Retirement K Savings Plan is a qualified 
defined contribution plan under Internal Revenue Code 
Sections 401(a) and 401(k). NW Natural contributions 
totaled $6.5 million, $5.4 million, and $4.6 million for 2018, 
2017, and 2016, respectively. The Retirement K Savings 
Plan includes an Employee Stock Ownership Plan. 

Deferred Compensation Plans
NW Natural's 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
Below is a description of the valuation methodologies used 
for assets measured at fair value. In cases where NW 
Natural's pension plan is invested through a collective trust 
fund or mutual fund, the fund's market value is utilized. 
Market values for investments directly owned are also 
utilized.

U.S. EQUITY. These are non-published net asset value (NAV) 
assets. The non-published NAV assets consist of 
commingled trusts where NAV is not published but the 
investment can be readily disposed of at NAV or market 
value. The underlying investments in this asset class 
includes investments primarily in U.S. common stocks.

INTERNATIONAL/GLOBAL EQUITY. These are Level 1 and 
non-published NAV assets. The Level 1 asset is a mutual 
fund, and the non-published NAV assets consist of 
commingled trusts where the NAV/unit price is not published 
but the investment can be readily disposed of at the NAV/
unit price. The mutual funds has a readily determinable fair 
value, including a published NAV, and the commingled trusts 
are valued at unit price. This asset class includes 
investments primarily in foreign equity common stocks.  

LIABILITY HEDGING. These are non-published NAV assets. 
The non-published NAV assets consist of commingled trusts 
where NAV is not published but the investment can be 
readily disposed of at NAV or market value. The underlying 
investments in this asset class include 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.

OPPORTUNISTIC. These are non-published NAV assets 
consisting of commingled trusts where the investments can 
be readily disposed of at unit price, and a hedge fund of 
funds where the valuation is not published. This hedge fund 
of funds is winding down. Based on recent dispositions, NW 
Natural believes the remaining investment is fairly valued. 
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 includes investments in emerging market 
debt, leveraged loans, REITs, high yield bonds, a 
commodities fund, and a hedge fund of funds.

ABSOLUTE RETURN STRATEGY. This is a non-published 
NAV asset consisting of a hedge fund of funds where the 
valuation is not published. This hedge fund of funds is 
winding down. Based on recent dispositions, NW Natural 
believes the remaining investment is fairly valued. 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 1 and non-
published NAV assets. The Level 1 assets consist of cash in 
U.S. dollars, which can be readily disposed of at face value. 
The non-published NAV assets represent mutual funds 
without published NAV's but the investment can be readily 
disposed of at the NAV. The mutual funds are valued at the 
NAV of the shares held by the plan at the valuation date.

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 
investments 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 NW 
Natural's investment securities will occur in the near term 
and such changes could materially affect NW Natural's 
investment account balances and the amounts reported as 
plan assets available for benefit payments.

The following tables present the fair value of NW Natural's plan assets, including outstanding receivables and liabilities, of NW 
Natural's retirement trust fund: 

In thousands

Investments

US equity

International / Global equity

Liability hedging

Opportunistic

Cash and cash equivalents

Total investments

Investments

US equity

International / Global equity

Liability hedging

Opportunistic

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

December 31, 2018

Level 1

Level 2

Level 3

Non-Published 
NAV(1)

Total

$

— $

— $

— $

85,233

$

24,994

—

—

—

—

—

—

—

—

—

—

—

70,017

45,659

23,186

8,707

85,233

95,011

45,659

23,186

8,707

$

24,994

$

— $

— $

232,802

$

257,796

December 31, 2017

Level 1

Level 2

Level 3

Non-Published 
NAV(1)

Total

$

— $

— $

— $

98,375

$

98,375

21,211

—

—

82

—

—

—

—

—

—

—

—

84,818

53,981

23,895

5,533

106,029

53,981

23,895

5,615

$

21,293

$

— $

— $

266,602

$

287,895

December 31,

2018

2017

    $

    $

    $

1

—

1

$

$

— $

30

—

30

—

Total investment in retirement trust

287,925
(1)      The fair value for these investments is determined using Net Asset Value per share (NAV) as of December 31, as a practical expedient, and 
therefore they are not classified within the fair value hierarchy. These investments primarily consist of institutional investment products, for 
which the NAV is generally not publicly available.

257,797

    $

$

96

 
 
 
   
 
   
 
 
   
 
 
   
 
 
10. 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 NW Holdings and NW Natural statements of comprehensive income or loss for December 31:

Dollars in thousands

2018

2017

2016

2018

2017

2016

Income taxes at federal statutory rate

$ 19,222

$ 39,578

$ 36,901

$ 19,434

$ 39,624

$ 37,137

NW Holdings

NW Natural

Increase (decrease):

State income tax, net of federal

Differences required to be flowed-through by regulatory
commissions

Effect of the TCJA

Deferred tax rate differential post-TCJA

Other, net

4,927

5,066

4,844

4,982

5,072

4,858

1,302

—

(76)

2,357

(3,376)

—

2,357

1,302

—

—

—

(75)

2,357

(2,956)

—

2,357

—

—

(1,184)

(2,617)

(1,091)

(1,184)

(2,619)

(1,077)

Total provision for income taxes

$ 24,191

$ 41,008

$ 43,011

$ 24,459

$ 41,478

$ 43,275

Effective tax rate

26.4%

36.3%

40.8%

26.4%

36.6%

40.8%

The NW Holdings and NW Natural effective income tax 
rates for 2018 compared to 2017 changed primarily as a 
result of the lower federal corporate income tax rate 
provided for by the TCJA. The effective tax rates for 2017 
compared to 2016 changed primarily as a result of the lower 

federal corporate income tax rate provided for by the TCJA 
and NW Natural's increased benefits from the equity portion 
of AFUDC and excess tax benefits related to stock based 
compensation.

The provision for current and deferred income taxes consists of the following at December 31:

In thousands

Current

   Federal

   State

Deferred

   Federal

   State

NW Holdings

NW Natural

2018

2017

2016

2018

2017

2016

$

8,953

$

19,345

$

10,042

$

9,127

$

19,304

$

10,158

3,785

12,738

9,001

2,452

11,453

5,963

25,308

13,869

1,831

15,700

3,116

13,158

25,473

4,380

29,853

3,846

12,973

9,025

2,461

11,486

5,956

25,260

14,371

1,847

16,218

3,131

13,289

25,581

4,405

29,986

Income tax provision

$

24,191

$

41,008

$

43,011

$

24,459

$

41,478

$

43,275

The following table summarizes the tax effect of significant items comprising NW Holdings and NW Natural's deferred income tax  
balances recorded at December 31:

In thousands

Deferred tax liabilities:

   Plant and property

Pension and postretirement obligations

Income tax regulatory asset

Other

Total deferred income tax liabilities

Deferred income tax assets:

Income tax regulatory liability

Alternative minimum tax credit carryforward

      Total deferred income tax assets

Total net deferred income tax liabilities

NW Holdings

NW Natural

2018

2017(1)

2018

2017

$

288,385

$

278,735

$

303,186

$

296,113

27,135

21,403

1,061

23,352

22,209

2,766

27,135

21,402

537

23,352

22,209

2,250

$

337,984

$

327,062

$

352,260

$

343,924

$

$

$

57,469

$

56,470

$

57,469

$

56,470

52

66

52

66

57,521

280,463

$

$

56,536

270,526

$

$

57,521

294,739

$

$

56,536

287,388

(1)

Amounts have been reclassified among categories to conform to current period presentation.

97

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
At December 31, 2018 and 2017, regulatory income tax 
assets of $19.1 million and $21.3 million, respectively, were 
recorded by NW Natural, 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 NGD plant financial statement 
and tax bases and NGD 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. At 
December 31, 2018 and 2017, regulatory income tax assets 
of $2.3 million and $0.9 million, respectively, were recorded 
by NW Natural, representing future recovery of deferred tax 
liabilities resulting from the equity portion of AFUDC.

At December 31, 2018 and 2017, deferred tax assets of 
$57.5 million and $56.5 million, respectively, were recorded 
by NW Natural representing the future income tax benefit 
associated with the excess deferred income tax regulatory 
liability recorded as a result of the lower federal corporate 
income tax rate provided for by the TCJA. At December 31, 
2018 and 2017, regulatory liability balances representing the 
net tax benefit of the change in deferred taxes as a result of 
the TCJA of $217.1 million and $213.3 million, respectively, 
were recorded by NW Natural.

NW Natural’s natural gas utility rates include an allowance 
to provide for the recovery of the anticipated provision for 
income taxes incurred as a result of providing regulated 
services. As a result of the 21 percent federal corporate 
income tax rate enacted in 2017, NW Natural recorded an 
additional regulatory liability in 2018 reflecting the estimated 
net reduction in the provision for income taxes. This revenue 
deferral is based on the estimated net benefit to customers 
and includes a gross-up for income taxes. As of December 
31, 2018, a regulatory liability of $8.2 million, including 
accrued interest, was recorded to reflect this estimated 
revenue deferral.

NW Holdings and NW Natural assess the available positive 
and negative evidence to estimate if sufficient taxable 
income will be generated to utilize their respective existing 
deferred tax assets. Based upon this assessment, NW 
Holdings and NW Natural determined that it is more likely 
than not that all of their respective deferred tax assets 
recorded as of December 31, 2018 will be realized.

Uncertain tax positions are accounted for in accordance with 
accounting standards that require an 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, the 
uncertain tax benefits resulting from such positions would 
not be recognized. No reserves for uncertain tax positions 
were recorded as of December 31, 2018, 2017, or 2016.

NW Holdings files a consolidated U.S. federal income tax 
return that includes NW Natural. Income tax expense is 
allocated on a separate company basis.

The federal income tax returns for tax years 2014 and 
earlier are closed by statute. The IRS Compliance 
Assurance Process (CAP) examination of the 2015, and 

98

2016 tax years have been completed. There were no 
material changes to these returns as filed. The 2017 and 
2018 tax years are currently under IRS CAP examination. 
Our 2019 CAP application has been accepted by the IRS. 
Under the CAP program, NW Holdings and NW Natural 
work with the IRS to identify and resolve material tax 
matters before the tax return is filed each year.

As of December 31, 2018, income tax years 2015 through 
2018 remain open for state examination. The State of 
Oregon is currently examining the Oregon corporate income 
tax returns for tax years 2015, 2016, and 2017. No material 
changes are anticipated as a result of this examination.

U.S. Federal TCJA Matters
On December 22, 2017, the TCJA was enacted and lowered 
the U.S. federal corporate income tax rate to 21% from the 
existing maximum rate of 35%, effective for the tax year 
beginning January 1, 2018. The TCJA included specific 
provisions related to regulated public utilities that provided 
for the continued deductibility of interest expense and the 
elimination of bonus tax depreciation for property both 
acquired and placed in service on or after January 1, 2018.

Under pre-TCJA law, business interest was generally 
deductible in the determination of taxable income. The TCJA 
imposed a new limitation on the deductibility of net business 
interest expense in excess of approximately 30 percent of 
adjusted taxable income. Taxpayers operating in the trade 
or business of a regulated utility are excluded from these 
new interest expense limitations. Proposed U.S. Treasury 
Regulations were published in November of 2018 which 
provide a de minimis rule whereby if 90 percent or more of a 
taxpayer's adjusted asset basis is allocable to regulated 
utility activities, then all of the business interest expense of 
that taxpayer is deemed to be excepted business interest of 
the regulated utility activity and is thereby not limited under 
the TCJA. As a result of the de minimis rule, NW Holdings 
and NW Natural anticipate that business interest expense 
will not be limited under the TCJA.

The TCJA generally provides for immediate full expensing 
for qualified property both acquired and placed in service 
after September 27, 2017 and before January 1, 2023. This 
would generally provide for accelerated cost recovery for 
capital investments. However, the definition of qualified 
property excludes property used in the trade or business of 
a regulated utility. Proposed U.S. Treasury Regulations were 
published in August of 2018 which indicated that bonus tax 
depreciation would not be available for regulated utility 
activity assets acquired and placed in service by NW 
Holdings or NW Natural on or after January 1, 2018, but 
bonus tax depreciation would be available for regulated 
utility activity assets acquired and placed in service by NW 
Holdings or NW Natural before January 1, 2018.

The SEC staff previously issued Staff Accounting Bulletin 
118, which provided guidance on accounting for the tax 
effects of the TCJA. SAB 118 provided a measurement 
period that should not extend beyond one year from the 
TCJA enactment date for companies to complete the 
accounting for the TCJA under ASC 740. To the extent that 
a company’s accounting for certain income tax effects of the 
TCJA was incomplete but a reasonable estimate could be 
made, a company would record a provisional estimate in the 

financial statements. NW Natural previously disclosed that 
due to uncertainties with respect to the availability of bonus 
tax depreciation for regulated utility activity assets under the 
TCJA that the effects of bonus tax depreciation for assets 
placed in service after September 27, 2017 but before 
January 1, 2018 had not been recorded. The determination 
to exclude all assets placed in service after September 27, 
2017 but before January 1, 2018 from bonus tax 
depreciation was provisional as provided for under SAB 118.

As a result of the Proposed Regulations on bonus tax 
depreciation published in August of 2018, NW Natural 
revised the provisional estimate of deferred taxes and 

11. PROPERTY, PLANT, AND EQUIPMENT

The following table sets forth the major classifications of 
property, plant, and equipment and accumulated 
depreciation at December 31:

In thousands

NW Natural:

NGD plant in service

NGD work in progress

Less: Accumulated depreciation

NGD plant, net

Other plant in service

Other construction work in progress

Less: Accumulated depreciation
Other plant, net(1)

2018

2017

$3,134,122

$2,975,217

204,978

974,252

159,924

942,879

2,364,848

2,192,262

66,009

5,330

18,603

52,736

64,997

4,122

17,406

51,713

Total property, plant, and equipment

$2,417,584

$2,243,975

Other (NW Holdings):

Other plant in service

Less: Accumulated depreciation
Other plant, net(1)

NW Holdings:

$

4,051

$

263

3,788

375

192

183

Total property, plant, and equipment

$2,421,372

$2,244,158

NW Natural and NW Holdings:

income taxes payable to reflect the effects of bonus tax 
depreciation for assets placed in service after September 
27, 2017 but before January 1, 2018. In the third quarter, 
NW Natural recognized increases to prepaid income tax of 
$7.4 million, deferred income tax liability of $4.1 million, and 
regulatory liability of $3.3 million. In the fourth quarter, NW 
Natural recognized additional increases to prepaid income 
tax of $0.5 million, deferred income tax liability of $0.3 
million, and regulatory liability of $0.2 million. The 
accounting for income tax effects of the TCJA is now 
complete.

Accumulated depreciation does not include the accumulated 
provision for asset removal costs of $380.5 million and 
$360.9 million at December 31, 2018 and 2017, 
respectively. These accrued asset removal costs are 
reflected on the balance sheet as regulatory liabilities. See 
Note 2. During 2018 and 2017, no equipment was acquired 
under capital leases.

NW Holdings
Other plant balances include long-lived assets associated 
with water operations and non-regulated activities not held 
by NW Natural or its subsidiaries.

NW Natural
Other plant balances include long-lived assets not related to 
NGD.

The weighted average depreciation rate for NGD assets 
was 2.8% during 2018, 2017, and 2016. The weighted 
average depreciation rate for assets not related to NGD was 
2.2% in 2018, 1.9% in 2017, and 2.0% in 2016.

Capital expenditures in accrued liabilities
(1)   NW Natural's previously reported other balances were restated 
due to certain assets and liabilities now being classified as 
discontinued operations assets and liabilities in its balance 
sheets. See Note 18 for further discussion.

23,676

$

$

34,761

99

12. GAS RESERVES

NW Natural has invested $188 million through the gas 
reserves program in the Jonah Field located in Wyoming as 
of December 31, 2018. Gas reserves are stated at cost, net 
of regulatory amortization, with the associated deferred tax 
benefits recorded as liabilities in the consolidated balance 
sheets. The investment in gas reserves provides long-term 
price protection for NGD customers through the original 
agreement with Encana Oil & Gas (USA) Inc. under which 
NW Natural invested $178 million and the amended 
agreement with Jonah Energy LLC under which an 
additional $10 million was invested.

NW Natural entered into the original agreements with 
Encana in 2011 under which NW Natural holds working 
interests in certain sections of the Jonah Field. Gas 
produced in these sections is sold at prevailing market 
prices, and revenues from such sales, net of associated 
operating and production costs and amortization, are 
credited to the NGD cost of gas. The cost of gas, including 
a carrying cost for the rate base investment, is included in 
the annual Oregon PGA filing, which allows NW Natural to 
recover these costs through customer rates. The 
investment under the original agreement, less accumulated 
amortization and deferred taxes, earns a rate of return. 

In March 2014, NW Natural amended the original gas 
reserves agreement in order to facilitate Encana's proposed 
sale of its interest in the Jonah field to Jonah Energy. Under 
the amendment, NW Natural ended the drilling program 
with Encana, but increased its working interests in its 
assigned sections of the Jonah field. NW Natural also 
retained the right to invest in new wells with Jonah Energy. 
Under the amended agreement there is still the option to 
invest in additional wells on a well-by-well basis with drilling 
costs and resulting gas volumes shared at NW Natural's 
amended proportionate working interest for each well in 

13. INVESTMENTS

Investments include financial investments in life insurance 
policies, and equity method investments in certain 
partnerships and limited liability companies. The following 
table summarizes other investments at December 31:

In thousands

2018

2017

2018

2017

NW Holdings

NW Natural

Investments in life
insurance policies

Investments in gas
pipeline

Other

Total other
investments

$ 49,922

$ 50,792

$49,922

$ 50,792

13,571

13,669

65

1,902

—

—

—

1,862

$ 63,558

$ 66,363

$49,922

$ 52,654

Investment in Life Insurance Policies
NW Natural has 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.

which it invests. NW Natural elected to participate in some 
of the additional wells drilled in 2014, but did not participate 
in additional wells since 2014. However, there may be the 
opportunity to participate in more wells in the future. 

Gas produced from the additional wells is included in the 
Oregon PGA at a fixed rate of $0.4725 per therm, which 
approximates the 10-year hedge rate plus financing costs 
at the inception of the investment. 

Gas reserves acted to hedge the cost of gas for 
approximately 6%, 6% and 8% of NGD gas supplies for the 
years ended December 31, 2018, 2017, and 2016 
respectively. 

The following table outlines NW Natural's net gas reserves 
investment at December 31:

In thousands

2018

2017

Gas reserves, current

$ 16,647

$

15,704

Gas reserves, non-current

170,660

171,832

Less: Accumulated amortization

Total gas reserves(1)

Less: Deferred taxes on gas reserves

104,463

82,844

20,071

87,779

99,757

22,712

Net investment in gas reserves

$ 62,773

$

77,045

(1)   The net investment in additional wells included in total gas 
reserves was $4.8 million and $5.8 million at December 31, 
2018 and 2017, respectively. 

NW Natural's investment is included in NW Holdings' and 
NW Natural's consolidated balance sheets under gas 
reserves with the maximum loss exposure limited to the 
investment balance.

Investments in Gas Pipeline
TWP, a wholly-owned subsidiary of TWH, is pursuing the 
development of a new gas transmission pipeline that would 
provide an interconnection with NW Natural's NGD system. 
NWN Energy, a wholly-owned subsidiary of NW Holdings, 
owns 50% of TWH, and 50% is owned by TransCanada 
American Investments Ltd., an indirect wholly-owned 
subsidiary of TransCanada Corporation.  

Variable Interest Entity (VIE) Analysis
TWH is a VIE, with NW Holdings' investment in TWP 
reported under equity method accounting. It has been 
determined that NW Holdings is not the primary beneficiary 
of TWH’s activities as it only has a 50% share of the entity, 
and there are no stipulations that allow NW Holdings a 
disproportionate influence over it. Investments in TWH and 
TWP are included in other investments on NW Holdings' 
balance sheet. If this investment is not developed, then the 
maximum loss exposure related to TWH is limited to NW 
Holdings' equity investment balance, less its share of any 
cash or other assets available to NW Holdings as a 50% 
owner. The investment balance in TWH was $13.4 million at 
December 31, 2018 and 2017. 

100

Impairment Analysis
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 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 

14. BUSINESS COMBINATIONS

Falls Water
On September 13, 2018, NWN Water, then a wholly-owned 
subsidiary of NW Natural and now a wholly-owned 
subsidiary of NW Holdings, completed the acquisition of 
Falls Water Co., Inc. (Falls Water), a privately-owned water 
utility in the Pacific Northwest for preliminary non-cash 
consideration of $8.5 million, subject to closing 
adjustments, in the form of 125,000 shares of NW Natural 
common stock. Falls Water became a wholly-owned 
subsidiary of NWN Water and marked its first acquisition in 
the water services sector. This acquisition aligns with NW 
Holdings' water sector strategy as the acquisition provides 
NWN Water entry into Idaho, expands service area, and 
opens further opportunity for growth. Falls Water is based in 
Idaho Falls, Idaho and serves approximately 5,300 
connections.

Through the purchase of all of the outstanding shares of 
Falls Water, NWN Water acquired the net assets and 100% 
control of Falls Water. We determined that the Falls Water 
acquisition met the criteria of a business combination, and 
as such performed a preliminary allocation of the 
consideration to the acquired assets and assumed liabilities 
based on their fair value as of the acquisition date, the 
majority of which was allocated to goodwill. The allocation 
is considered preliminary as of December 31, 2018, and is 
primarily associated with certain tax positions and goodwill. 
Subsequent adjustments are not expected to be significant, 

15. DERIVATIVE INSTRUMENTS

NW Natural enters into financial derivative contracts to 
hedge a portion of the NGD segment’s natural gas sales 
requirements. These contracts include swaps, options, and 
combinations of option contracts. These derivative financial 
instruments are primarily used to manage commodity price 
variability. A small portion of NW Natural's derivative 
hedging strategy involves foreign currency exchange 
contracts. 

NW Natural enters into these financial derivatives, up to 
prescribed limits, primarily to hedge price variability related 
to physical gas supply contracts as well as to hedge spot 
purchases of natural gas. The foreign currency forward 

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.

NW Holdings' equity investment was not impaired at 
December 31, 2018 as the fair value of expected cash flows 
from planned development exceeded NW Holdings' 
remaining equity investment of $13.4 million at December 
31, 2018. However, if NW Holdings learns that the project is 
not viable or will not go forward, it could be required to 
recognize a maximum charge of up to approximately $13.4 
million based on the current amount of the equity 
investment, net of cash and working capital at TWP. NW 
Holdings will continue to monitor and update the impairment 
analysis as required.

and any such adjustments are expected to be completed 
within a one-year measurement period. The acquisition 
costs were insignificant and were expensed as incurred. 
The results of Falls Water are not material to the 
consolidated financial results of NW Holdings.

Preliminary goodwill of $6.4 million was recognized from 
this acquisition and is attributable to Falls Water's regulated 
service territory and experienced workforce as well as the 
strategic benefits expected from this high-growth service 
territory. NW Holdings has included this goodwill in other for 
segment reporting purposes, and it is not deductible for 
income tax purposes. No intangible assets aside from 
goodwill were acquired. See Note 2 for goodwill impairment 
information.

Other Acquisitions
During 2018, in addition to the Falls Water acquisition, 
NWN Water completed three acquisitions qualifying as 
business combinations. The aggregate fair value of the 
preliminary consideration transferred for these acquisitions 
was approximately $2.8 million. These business 
combinations, both individually and in aggregate, were not 
significant to NW Holdings' results of operations.

As a result of all acquisitions completed, total goodwill was 
$9.0 million as of December 31, 2018.

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, NW Natural also enters 
into indexed-price physical forward natural gas commodity 
purchase contracts and options to meet the requirements of 
NGD customers. These contracts qualify for regulatory 
deferral accounting treatment. 

NW Natural also enters into exchange contracts related to 
the third-party asset management of its gas portfolio, some 
of which are derivatives that do not qualify for hedge 

101

                                                                                    
accounting or regulatory deferral, but are subject to NW 
Natural's regulatory sharing agreement. These derivatives 
are recognized in operating revenues, net of amounts 
shared with NGD customers. 

Notional Amounts
The following table presents the absolute notional amounts 
related to open positions on NW Natural derivative 
instruments:

In thousands

Natural gas (in therms):

Financial

Physical

Foreign exchange

At December 31,

2018

2017

408,850

429,100

472,275

520,268

$ 6,936

$ 7,669

Purchased Gas Adjustment (PGA)
Derivatives entered into by NW Natural for the procurement 
or hedging of natural gas for future gas years generally 
receive regulatory deferral accounting treatment. In general, 
commodity hedging for the current gas year is completed 
prior to the start of the gas year, and hedge prices are 
reflected in the weighted-average cost of gas in the PGA 
filing. Hedge contracts entered into after the start of the PGA 
period are subject to the PGA incentive sharing mechanism 
in Oregon. NW Natural entered the 2018-19 and 2017-18 
gas year with forecasted sales volumes hedged at 48% and 
49% in financial swap and option contracts, and 24% and 
26% in physical gas supplies, respectively. Hedge contracts 
entered into prior to the PGA filing, in September 2018, were 
included in the PGA for the 2018-19 gas year. Hedge 
contracts entered into after the PGA filing, and related to 
subsequent gas years, may be included in future PGA filings 
and qualify for regulatory deferral.

Unrealized and Realized Gain/Loss
The following table reflects the income statement presentation for the unrealized gains and losses from NW Natural's derivative 
instruments, which also represents all derivative instruments at NW Holdings: 

In thousands

Benefit (expense) to cost of gas

Operating revenues

 Amounts deferred to regulatory accounts on balance sheet

Total gain (loss) in pre-tax earnings

UNREALIZED GAIN/LOSS. Outstanding derivative 
instruments related to regulated NGD 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. 

REALIZED GAIN/LOSS. Net gains of $7.4 million and net 
losses of $7.8 million were realized for the years ended 
December 31, 2018 and 2017, respectively, from the 
settlement of natural gas financial derivative contracts. 
Realized gains and losses are recorded in cost of gas, 
deferred through 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 NW Natural 
counterparties as of December 31, 2018 or 2017. NW 
Natural attempts to minimize the potential exposure to 
collateral calls by counterparties to manage liquidity risk. 
Counterparties generally allow a certain credit limit threshold 
before requiring NW Natural to post collateral against loss 
positions. Given NW Natural's counterparty credit limits and 
portfolio diversification, it was not subject to collateral calls 
in 2018 or 2017. The collateral call exposure is set forth 

December 31, 2018

December 31, 2017

Natural gas
commodity

Foreign
exchange

Natural gas
commodity

Foreign
exchange

$

$

(1,239) $

1,660

(284) $
—

(26,000) $

(1,021)

(211)

210

$

284

26,665

— $

(356) $

107
—

(107)

—

under credit support agreements, which generally contain 
credit limits. NW Natural could also be subject to collateral 
call exposure where it has 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 on current commodity financial swap and option 
contracts outstanding, which reflect unrealized losses of 
$7.8 million at December 31, 2018, 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

Specu-
lative

$

— $ — $ — $(3,940) $ (6,059)

—

—

— (3,940)

(4,452)

In thousands

With
Adequate
Assurance
Calls

Without
Adequate
Assurance
Calls

102

NW Natural's financial derivative instruments are subject to 
master netting arrangements; however, they are presented 
on a gross basis in NW Natural's consolidated balance 
sheets. NW Natural and its counterparties have the ability to 
set-off obligations to each other under specified 
circumstances. Such circumstances may include a 
defaulting party, a credit change due to a merger affecting 
either party, or any other termination event.

spreads, bond market credit spreads, financial condition, 
government actions, and market news. A Monte-Carlo 
simulation model is used 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. NW Natural's credit risk for all outstanding 
financial derivatives at December 31, 2018 extends to 
October 31, 2021.

If netted by counterparty, NW Natural's derivative position 
would result in an asset of $3.6 million and a liability of $9.3 
million as of December 31, 2018, and an asset of $2.9 
million and a liability of $23.3 million as of December 31, 
2017.

NW Natural is exposed to derivative credit and liquidity risk 
primarily through securing fixed price natural gas commodity 
swaps to hedge the risk of price increases for natural gas 
purchases made on behalf of customers. NW Natural 
utilizes 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, NW Natural requires guarantees or letters of credit 
from counterparties to meet its minimum credit requirement 
standards.

NW Natural's 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. NW 
Natural does not speculate with derivatives; instead, 
derivatives are used to hedge 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 NW Natural's 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. The ongoing assessment of counterparty credit risk 
includes consideration of credit ratings, credit default swap 

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, non-performance 
risk is included in calculating fair value adjustments. This 
includes a credit risk adjustment based on the credit 
spreads of NW Natural's counterparties when it is in an 
unrealized gain position, or on NW Natural's own credit 
spread when it is in an unrealized loss position. The inputs 
in the valuation models include natural gas futures, volatility, 
credit default swap spreads, and interest rates. Additionally, 
the 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, 2018. As of December 31, 2018 
and 2017, the net fair value was a liability of $5.7 million and 
a liability of $20.3 million, respectively, using significant 
other observable, or Level 2, inputs. No Level 3 inputs were 
used in the derivative valuations, and there were no 
transfers between Level 1 or Level 2 during the years ended 
December 31, 2018 and 2017. 

103

 
16. COMMITMENTS AND CONTINGENCIES

Leases
Land, buildings, and equipment are leased under 
agreements that expire in various years, including a 99-year 
land lease that extends through 2108. Rental costs for 
continuing operations were $5.9 million, $7.3 million, and 
$5.9 million for the years ended December 31, 2018, 2017, 
and 2016, respectively, a portion of which was capitalized.

The following table reflects NW Natural's future minimum 
lease payments due under non-cancelable operating leases 
for continuing operations at December 31, 2018. These 
commitments relate principally to the lease of the office 
headquarters and underground gas storage facilities.

In thousands

2019

2020

2021

2022

2023

Thereafter

   Total

Minimum lease
payments

$

$

5,368

4,812

7,077

7,223

7,304

149,881

181,665

In October 2017, NW Natural entered into a 20-year 
operating lease agreement for a new headquarters in 
Portland, Oregon in anticipation of the expiration of the 
current lease in 2020. 

Payments under the new lease are expected to commence 
in 2020. Total estimated base rent payments over the life of 
the lease are approximately $160 million and have been 
included in the table above. There is an option to extend the 
term of the lease for two additional seven-year periods.

Additionally, the lease was analyzed under the lease 
standard in effect at the time of signing in consideration of  
build-to-suit lease accounting implications, and NW Natural 
concluded that it was the accounting owner of the asset 
during construction. As a result, NW Natural recognized 
$26.0 million and $0.5 million in property, plant and 
equipment and an obligation in other non-current liabilities 
for the same amount in its consolidated balance sheet at 
December 31, 2018 and 2017, respectively.

17. ENVIRONMENTAL MATTERS

Gas  Purchase  and  Pipeline  Capacity  Purchase  and 
Release Commitments
NW Natural has signed agreements providing for the 
reservation of firm pipeline capacity under which it is 
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, NW Natural has entered into 
long-term sale agreements to release firm pipeline capacity. 
NW Natural also enters into short-term and long-term gas 
purchase agreements.

The aggregate amounts of these agreements were as 
follows at December 31, 2018:

In thousands

2019

2020

2021

2022

2023

Thereafter

   Total

Less: Amount
representing
interest

Total at present
value

Gas
Purchase
Agreements

Pipeline
Capacity
Purchase
Agreements

Pipeline
Capacity
Release
Agreements

$

144,500

$

78,449

$

2,776

2,313

—

—

—

149,589

76,613

66,656

61,075

60,619

580,022

923,434

4,272

3,560

—

—

—

—

7,832

1,314

201,224

183

$

148,275

$

722,210

$

7,649

Total payments for fixed charges under capacity purchase 
agreements were $82.6 million for 2018, $85.3 million for 
2017, and $85.0 million for 2016. Included in the amounts 
were reductions for capacity release sales of $4.3 million for 
2018, $4.5 million for 2017, and $4.5 million for 2016. 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
Refer to Note 17 for a discussion of environmental 
commitments and contingencies.

NW Natural owns, or previously owned, properties that may 
require environmental remediation or action. The range of 
loss for environmental liabilities is estimated 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 
(PRPs). When amounts are prudently expended related to 
site remediation of those sites described herein, NW Natural 
has a recovery mechanism in place to collect 96.68% of 
remediation costs from Oregon customers, and NW Natural 

is allowed to defer environmental remediation costs 
allocated to customers in Washington annually until they are 
reviewed for prudence at a subsequent proceeding. 

These sites are subject to the remediation process 
prescribed by the Environmental Protection Agency (EPA) 
and the Oregon Department of Environmental Quality 
(ODEQ). The process begins with a remedial investigation 
(RI) to determine the nature and extent of contamination 
and then a risk assessment (RA) to establish whether the 
contamination at the site poses unacceptable risks to 

104

 
humans and the environment. Next, a feasibility study (FS) 
or an engineering evaluation/cost analysis (EE/CA) 
evaluates various remedial alternatives. It is at this point in 
the process when NW Natural is able to estimate a range of 
remediation costs and record a reasonable potential 
remediation liability, or make an adjustment to the existing 
liability. From this study, the regulatory agency selects a 
remedy and issues a Record of Decision (ROD).

After a ROD is issued, NW Natural would seek to negotiate 
a consent decree or consent judgment for designing and 
implementing the remedy. NW Natural would have the ability 
to further refine estimates of remediation liabilities at that 
time. 
Remediation may include treatment of contaminated media 
such as sediment, soil and groundwater, removal and 
disposal of media, institutional controls such as legal 
restrictions on future property use, or natural recovery. 
Following construction of the remedy, the EPA and ODEQ 
also have requirements for ongoing maintenance, 
monitoring, and other post-remediation care that may 
continue for many years. 

Where appropriate and reasonably known, NW Natural will 
provide for these costs in the remediation liabilities 
described below.

Due to the numerous uncertainties surrounding the course 
of environmental remediation and the preliminary nature of 
several site investigations, in some cases, NW Natural may 
not be able to reasonably estimate the high end of the range 
of possible loss. In those cases, the nature of the possible 
loss has been disclosed, as has the fact that the high end of 
the range cannot be reasonably estimated where a range of 
potential loss is available. Unless there is an estimate within 
the range of possible losses that is more likely than other 
cost estimates within that range, NW Natural records the 
liability at the low end of this range. It is likely changes in 
these estimates and ranges will occur throughout the 
remediation process for each of these sites due to the 
continued evaluation and clarification concerning 
responsibility, the complexity of environmental laws and 
regulations, and the determination by regulators of 
remediation alternatives. In addition to remediation costs, 
NW Natural could also be subject to Natural Resource 
Damages (NRD) claims. NW Natural will assess the 
likelihood and probability of each claim and recognize a 
liability if deemed appropriate. Refer to "Other Portland 
Harbor" below.  

Environmental Sites
The following table summarizes information regarding liabilities related to environmental sites, which are recorded in other 
current liabilities and other noncurrent liabilities in NW Natural's balance sheet at December 31: 

In thousands

Portland Harbor site:

Gasco/Siltronic Sediments

Other Portland Harbor

Gasco/Siltronic Upland site

Central Service Center site

Front Street site

Oregon Steel Mills

Total

Current Liabilities

Non-Current Liabilities

2018

2017

2018

2017

$

5,117

$

2,683

$

44,351

$

45,346

2,600

13,983

10

11,402

—

1,949

13,422

25

1,009

—

6,273

44,830

—

3

179

4,163

47,835

—

10,757

179

$

33,112

$

19,088

$

95,636

$

108,280

PORTLAND HARBOR SITE. The Portland Harbor is an 
EPA listed Superfund site that is approximately 10 miles 
long on the Willamette River and is adjacent to NW 
Natural's Gasco uplands sites. NW Natural is one of over 
one hundred PRPs to the Superfund site. In January 2017, 
the EPA issued its Record of Decision, which selects the 
remedy for the clean-up of the Portland Harbor site 
(Portland Harbor ROD). The Portland Harbor ROD 
estimates the present value total cost at approximately 
$1.05 billion with an accuracy between -30% and +50% of 
actual costs. 

also participating in a non-binding allocation process with 
the other PRPs in an effort to resolve its potential liability. 
The Portland Harbor ROD does not provide any additional 
clarification around allocation of costs among PRPs and, as 
a result of the issuance of the Portland Harbor ROD, NW 
Natural has not modified any of the recorded liabilities at this 
time. 

NW Natural manages its liability related to the Superfund 
site as two distinct remediation projects, the Gasco/Siltronic 
Sediments and Other Portland Harbor projects.

NW Natural's potential liability is a portion of the costs of the 
remedy for the entire Portland Harbor Superfund site. The 
cost of that remedy is expected to be allocated among more 
than 100 PRPs. In addition, NW Natural is actively pursuing 
clarification and flexibility under the ROD in order to better 
understand its obligation under the clean-up. NW Natural is 

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 EE/CA 
to the EPA in May 2012 to provide the estimated cost of 

105

potential remedial alternatives for this site. At this time, the 
estimated costs for the various sediment remedy 
alternatives in the draft EE/CA, for the additional studies and 
design work needed before the cleanup can occur, and for 
regulatory oversight throughout the clean-up range from 
$49.5 million to $350 million. NW Natural has recorded a 
liability of $49.5 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 NW 
Natural's liability related to the Portland Harbor site 
discussed above. 

Other Portland Harbor. While we believe liabilities associated 
with the Gasco/Siltronic sediments site represent NW 
Natural's largest exposure, there are other potential 
exposures associated with the Portland Harbor ROD, 
including NRD costs and harborwide clean-up costs 
(including downstream petroleum contamination), for which 
allocations among the PRPs have not yet been determined. 

NW Natural and other parties have signed a cooperative 
agreement with the Portland Harbor Natural Resource 
Trustee council to participate in a phased NRD assessment 
to estimate liabilities to support an early restoration-based 
settlement of NRD claims. One member of this Trustee 
council, the Yakama Nation, withdrew from the council in 
2009, and in 2017, filed suit against NW Natural and 29 
other parties seeking remedial costs and NRD assessment 
costs associated with the Portland Harbor, set forth in the 
complaint. The complaint seeks recovery of alleged costs 
totaling $0.3 million in connection with the selection of a 
remedial action for the Portland Harbor as well as 
declaratory judgment for unspecified future remedial action 
costs and for costs to assess the injury, loss, or destruction 
of natural resources resulting from the release of hazardous 
substances at and from the Portland Harbor site. The 
Magistrate Judge has recommended granting NW Natural 
and certain other defendants' motion to stay the case. NW 
Natural has recorded a liability for NRD 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. The NRD liability is not included in the aforementioned 
range of costs provided in the Portland Harbor ROD.

GASCO UPLANDS SITE. A predecessor of NW Natural, 
Portland Gas and Coke Company, owned 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 NW Natural 
for environmental contamination under the ODEQ Voluntary 
Clean-Up Program (VCP). It is not included in the range of 
remedial costs for the Portland Harbor site noted 
above. The Gasco site is managed in two parts, the uplands 
portion and the groundwater source control action. 

NW Natural submitted a revised Remedial Investigation 
Report for the uplands to ODEQ in May 2007. In March 
2015, ODEQ approved the RA, enabling commencement of 
work on the FS in 2016. NW Natural has 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.

106

In October 2016, ODEQ and NW Natural agreed to amend 
their VCP agreement to incorporate a portion of the Siltronic 
property adjacent to the Gasco site formerly owned by 
Portland Gas & Coke between 1939 and 1960 into the 
Gasco RA and FS, excluding the uplands for Siltronic. 
Previously, NW Natural was conducting an investigation of 
manufactured gas plant constituents on the entire Siltronic 
uplands for ODEQ. Siltronic will be working with ODEQ 
directly on environmental impacts to the remainder of its 
property.

In September 2013, NW Natural completed construction of a 
groundwater source control system, including a water 
treatment station, at the Gasco site. NW Natural has 
estimated the cost associated with the ongoing operation of 
the system and has recognized a liability which is at the low 
end of the range of potential costs. NW Natural cannot 
estimate the high end of the range at this time due to the 
uncertainty associated with the duration of the operation of 
the water treatment station, which is highly dependent on 
the remedy determined for both the upland portion as well 
as the final remedy for Gasco sediment exposure.  

OTHER SITES. In addition to those sites above, NW Natural 
has environmental exposures at three other sites: Central 
Service Center, Front Street, and Oregon Steel Mills. NW 
Natural may have exposure at other sites that have not 
been identified at this time. Due to the uncertainty of the 
design of remediation, regulation, timing of the remediation, 
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 cannot be 
reasonably estimated at this time. 

Central Service Center site. NW Natural is currently 
performing an environmental investigation of the property 
under 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 NW Natural operated 
(the former Portland Gas Manufacturing site, or PGM). At 
ODEQ’s request, NW Natural conducted a sediment and 
source control investigation and provided findings to ODEQ. 
In December 2015, a FS on the former Portland Gas 
Manufacturing site was completed. 

In July 2017, ODEQ issued the PGM ROD. The ROD 
specifies the selected remedy, which requires a combination 
of dredging, capping, treatment, and natural recovery. In 
addition, the selected remedy also requires institutional 
controls and long-term inspection and maintenance. NW 
Natural revised the liability in the second quarter of 2017 to 
incorporate the estimated undiscounted cost of 
approximately $10.5 million for the selected remedy. 
Further, NW Natural has recognized an additional liability of 
$0.9 million for additional studies and design costs as well 
as regulatory oversight throughout the clean-up. NW Natural 
plans to complete the remedial design in early 2019 and 
expects to construct the remedy during 2019. 

 
 
NW Natural received total environmental insurance 
proceeds of approximately $150.0 million as a result of 
settlements from litigation that was dismissed in July 2014. 
Under the 2015 OPUC Order, one-third of the Oregon 
allocated proceeds were applied to costs deferred through 
2012 with the remaining two-thirds applied to costs at a rate 
of $5.0 million per year plus interest over the following 20 
years. NW Natural accrues interest on the insurance 
proceeds in the customer’s favor at a rate equal to the five-
year treasury rate plus 100 basis points. As of December 
31, 2018, NW Natural has applied $73.2 million of insurance 
proceeds to prudently incurred remediation costs allocated 
to Oregon. 

The following table presents information regarding the total 
regulatory asset deferred as of December 31:

In thousands
Deferred costs and interest (1)
Accrued site liabilities (2)

2018

2017

$

41,883

$

45,546

128,369

126,950

Insurance proceeds and interest

(88,502)

(94,170)

Total regulatory asset deferral(1)

$

81,750

$

78,326

5,601

76,149

6,198

72,128

Current regulatory assets(3)
Long-term regulatory assets(3)
(1)  

Includes pre-review and post-review deferred costs, amounts 
currently in amortization, and interest, net of amounts collected 
from customers.

(2)  Excludes 3.32% of the Front Street site liability, or $0.4 million 
in 2018 and $0.4 million in 2017, as the OPUC only allows 
recovery of 96.68% of costs for those sites allocable to 
Oregon, including those that historically served only Oregon 
customers.

(3)  Environmental costs relate to specific sites approved for 

regulatory deferral by the OPUC and WUTC. In Oregon, NW 
Natural earns a carrying charge on cash amounts paid, 
whereas amounts accrued but not yet paid do not earn a 
carrying charge until expended. NW Natural also accrues 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. 
Current environmental costs represent remediation costs 
management expects to collect from customers in the next 12 
months. Amounts included in this estimate are still subject to a 
prudence and earnings test review by the OPUC and do not 
include the $5.0 million tariff rider. The amounts allocable to 
Oregon are recoverable through NGD rates, subject to an 
earnings test.

ENVIRONMENTAL EARNINGS TEST. To the extent NW 
Natural earns at or below its authorized Return on Equity 
(ROE), remediation expenses and interest in excess of the 
$5.0 million tariff rider and $5.0 million insurance proceeds 
are recoverable through the SRRM. To the extent NW 
Natural earns more than its authorized ROE in a year, it is 
required to cover environmental expenses and interest on 
expenses greater than the $10.0 million with those earnings 
that exceed its authorized ROE. 

Oregon Steel Mills site. Refer to the “Legal Proceedings,” 
below.

Site Remediation and Recovery Mechanism (SRRM)
NW Natural has an SRRM through which it tracks and has 
the ability to recover past deferred and future prudently 
incurred environmental remediation costs allocable to 
Oregon, subject to an earnings test, for those sites identified 
therein. In the February 2015 Order establishing the SRRM 
(2015 Order), the OPUC addressed outstanding issues 
related to the SRRM, which required NW Natural to forego 
the collection of $15 million out of approximately $95 million 
in total environmental remediation expenses and associated 
carrying costs. 

As a follow-up to the 2015 Order, the OPUC issued an 
additional Order in January 2016 (2016 Order) regarding the 
SRRM implementation in which the OPUC: (1) disallowed 
the recovery of $2.8 million of interest earned on the 
previously disallowed environmental expenditure amounts; 
(2) clarified the state allocation of 96.68% of environmental 
remediation costs for all environmental sites allocable to 
Oregon; and (3) confirmed NW Natural's treatment of $13.8 
million of expenses put into the SRRM amortization account 
was correct and in compliance with prior OPUC orders. As a 
result of the 2016 Order, NW Natural recognized a $3.3 
million non-cash charge in the first quarter, of which $2.8 
million is reflected in other income and expense, net and 
$0.5 million is included in operations and maintenance 
expense.

COLLECTIONS FROM OREGON CUSTOMERS. Under the 
SRRM collection process there are three types of deferred 
environmental remediation expense:
•  Pre-review - This class of costs represents remediation 
spend that has not yet been deemed prudent by the 
OPUC. Carrying costs on these remediation expenses are 
recorded at NW Natural's authorized cost of capital. NW 
Natural anticipates the prudence review for annual costs 
and approval of the earnings test prescribed by the OPUC 
to occur by the third quarter of the following year. 

•  Post-review - This class of costs represents remediation 
spend that has been deemed prudent and allowed after 
applying the earnings test, but is not yet included in 
amortization. NW Natural earns a carrying cost on these 
amounts at a rate equal to the five-year treasury rate plus 
100 basis points. 

•  Amortization - This class of costs represents amounts 
included in current customer rates for collection and is 
generally calculated as one-fifth of the post-review 
deferred balance. NW Natural earns a carrying cost equal 
to the amortization rate determined annually by the 
OPUC, which approximates a short-term borrowing rate.
In addition to the collection amount noted above, the Order 
also provides for the annual collection of $5.0 million from 
Oregon customers through a tariff rider. As NW Natural 
collects amounts from customers, it recognizes these 
collections as revenue and separately amortizes an equal 
and offsetting amount of its deferred regulatory asset 
balance through the environmental remediation operating 
expense line shown separately in the operating expense 
section of the income statement. 

107

 
Under the 2015 Order, the OPUC stated they would revisit 
the deferral and amortization of future remediation 
expenses, as well as the treatment of remaining insurance 
proceeds three years from the original Order, or earlier if 
NW Natural gains greater certainty about its future 
remediation costs, to consider whether adjustments to the 
mechanism may be appropriate. NW Natural filed an update 
with the OPUC in March 2018 and recommended no 
changes. 

WASHINGTON DEFERRAL. In Washington, cost recovery 
and carrying charges on amounts deferred for costs 
associated with services provided to Washington customers 
will be determined in a future proceeding.

Legal Proceedings
NW Holdings is not currently party to any direct claims or 
litigation, though in the future it may be subject to claims 
and litigation arising in the ordinary course of business. 

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 
and NW Holdings do not expect that the ultimate disposition 
of any of these matters will have a material effect on 
financial condition, results of operations, or cash flows.

18. DISCONTINUED OPERATIONS

NW Holdings

On June 20, 2018, NWN Gas Storage, then a wholly-owned 
subsidiary of NW Natural, entered into a Purchase and Sale 
Agreement (the Agreement) that provides for the sale by 
NWN Gas Storage of all of the membership interests in Gill 
Ranch. Gill Ranch owns a 75% interest in the natural gas 
storage facility located near Fresno, California known as 
the Gill Ranch Gas Storage Facility. PG&E owns the 
remaining 25% interest in the Gill Ranch Gas Storage 
Facility. 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. The CPUC also 
regulates the issuance of securities, system of accounts, 
and regulates intrastate storage services.

The Agreement provides for an initial cash purchase price 
of $25.0 million (subject to a working capital adjustment), 
plus potential additional payments to NWN Gas Storage of 
up to $26.5 million in the aggregate if Gill Ranch achieves 
certain economic performance levels for the first three full 
gas storage years (April 1 of one year through March 31 of 
the following year) occurring after the closing and the 
remaining portion of the gas storage year during which the 
closing occurs. 

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 NW Natural's 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 Evraz 
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. In August 2017, 
the case was stayed pending outcome of the Portland 
Harbor allocation process or other mediation. Although the 
final outcome of this proceeding cannot be predicted with 
certainty, NW Natural and NW Holdings do not expect the 
ultimate disposition of this matter will have a material effect 
on NW Natural's or NW Holdings' financial condition, results 
of operations, or cash flows. 

For additional information regarding other commitments and 
contingencies, see Note 16.

We expect the transaction to close in 2019. The closing of 
the transaction is subject to approval by the CPUC, 
satisfaction of representations, warranties and covenants of 
the Agreement, and other customary closing conditions. In 
July 2018, Gill Ranch filed an application with the CPUC for 
approval of this transaction. On February 14, 2019, the 
active parties to the CPUC proceeding filed a settlement 
agreement with the CPUC. The CPUC is expected to rule 
on the settlement agreement within 90 days of its filing, but 
may grant further time for public comment. We expect an 
order on this matter by the end of June.

As a result of the strategic shift away from the California 
gas storage market and the significance of Gill Ranch's 
financial results in 2017, we concluded that the pending 
sale of Gill Ranch qualified it as assets and liabilities held 
for sale and discontinued operations. As such, the assets 
and liabilities associated with Gill Ranch have been 
classified as discontinued operations assets and 
discontinued operations liabilities, respectively, and, the 
results of Gill Ranch are presented, net of tax, as 
discontinued operations separate from the results of 
continuing operations for all periods presented. The 
expenses included in the results of discontinued operations 
are the direct operating expenses incurred by Gill Ranch 
that may be reasonably segregated from the costs of our 
continuing operations.

108

The following table presents the carrying amounts of the 
major components of Gill Ranch that are classified as 
discontinued operations assets and liabilities on NW 
Holdings' consolidated balance sheets:

The following table presents the operating results of Gill 
Ranch, which was historically reported within the gas 
storage segment, and is presented net of tax on NW 
Holdings' consolidated statements of comprehensive 
income:

In thousands

Assets:

NW Holdings
Discontinued Operations

2018

2017

Accounts receivable

$

Inventories

Other current assets

390

685

333

$

2,126

396

535

Property, plant, and equipment

11,621

10,816

Less: Accumulated depreciation

Other non-current assets

Discontinued operations -
current assets

Discontinued operations - non-
current assets

Total discontinued operations
assets

7

247

—

1

13,269

3,057

—

10,817

$

13,269

$

13,874

Liabilities:

Accounts payable

Other current liabilities

$

873

307

$

1,287

306

Other non-current liabilities

11,779

12,043

Discontinued operations -
current liabilities

Discontinued operations - non-
current liabilities

12,959

1,593

—

12,043

Total discontinued operations
liabilities

13,636
(1)   The total assets and liabilities of Gill Ranch are classified as 
current as of December 31, 2018 because it is probable that 
the sale will be completed within one year.

12,959

$

$

In thousands, except per
share data

Revenues

Expenses

Operations and
maintenance

General taxes

Depreciation and
amortization

Other expenses and
interest

Impairment expense

NW Holdings Discontinued
Operations

2018

2017

2016

$

3,579

$

7,135

$

7,794

5,771

479

430

609

—

7,245

1,373

6,643

1,295

4,525

4,685

975

192,478

992

—

Total expenses

7,289

206,596

13,615

Loss from discontinued
operations before income
tax

Income tax benefit(1)

Loss from discontinued
operations, net of tax

Loss from discontinued 
operations per share of 
common stock:

(3,710)

(199,461)

(968)

(71,765)

(5,821)

(2,297)

$

(2,742) $(127,696) $

(3,524)

Basic

Diluted

$

$

(0.10) $

(4.45) $

(0.09) $

(4.44) $

(0.13)

(0.13)

(1) 

2017 income tax benefit includes approximately $18 million of 
tax benefit from the enactment of the TCJA. The TCJA was 
enacted December 22, 2017 and resulted in the federal tax 
rate changing from 35% to 21%.

109

The following table presents the operating results prior to 
the holding company reorganization effective October 1, 
2018 of NWN Energy, NWN Gas Storage, Gill Ranch, NNG 
Financial, NWN Water, and NW Holdings, which were 
historically reported within the gas storage segment and 
other, and is presented net of tax on NW Natural's 
consolidated statements of comprehensive income:

In thousands, except per
share data

Revenues

Expenses

Operations and
maintenance

General taxes

Depreciation and
amortization

Other expenses and
interest

Impairment expense

Total expenses

Loss from discontinued
operations before
income tax

Income tax benefit(1)

Loss from discontinued
operations, net of tax
(1) 

NW Natural Discontinued Operations

2018

2017

2016

$

3,016

$

7,360

$

8,018

4,151

448

420

342

—

5,361

7,423

1,410

7,387

1,317

4,555

4,714

650

192,478

206,516

1,097

—

14,515

(2,345)

(199,156)

(622)

(71,813)

(6,497)

(2,557)

$

(1,723) $ (127,343) $

(3,940)

2017 income tax benefit includes approximately $18 million of 
tax benefit from the enactment of the TCJA. The TCJA was 
enacted December 22, 2017 and resulted in the federal tax 
rate changing from 35% to 21%.

NW Natural
As part of the holding company reorganization in October 
2018, NWN Energy, NWN Gas Storage, Gill Ranch, NNG 
Financial, NWN Water, and NW Holdings, which were direct 
and indirect subsidiaries of NW Natural prior to the 
reorganization, are no longer subsidiaries of NW Natural. 
See Note 1 for additional information. As a result, NW 
Natural's financial statements reflect amounts related to 
these entities as discontinued operations for all periods 
presented. The expenses included in the results of 
discontinued operations are the direct operating expenses 
incurred by the entities that may be reasonably segregated 
from the costs of NW Natural's continuing operations.

The following table presents the carrying amounts of the 
major components of NWN Energy, NWN Gas Storage, Gill 
Ranch, NNG Financial, NWN Water, and NW Holdings that 
are classified as discontinued operations assets and 
liabilities on NW Natural's consolidated balance sheets:

NW Natural Discontinued
Operations

2017

$

$

$

In thousands

Assets:

Cash

Accounts receivable

Intercompany receivables

Inventories

Other current assets

Property, plant, and equipment

Less: Accumulated depreciation

Other investments

Other non-current assets

Discontinued operations -
current assets

Discontinued operations - non-
current assets

Total discontinued operations
assets

Liabilities:

Accounts payable

Intercompany payables

Other current liabilities

Deferred tax liabilities

Other non-current liabilities

Discontinued operations -
current liabilities

Discontinued operations - non-
current liabilities

Total discontinued operations
liabilities

$

362

2,126

3,664

396

622

11,191

192

13,710

—

7,170

24,709

31,879

1,954

266

345

(16,862)

12,130

2,565

(4,732)

(2,167)

110

NORTHWEST NATURAL HOLDING COMPANY
QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

NW Holdings
Quarter ended(1)

In thousands, except per share data

March 31

June 30

September 30

December 31

2018

Operating revenues

Net income (loss) from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

Average common shares outstanding:

Basic

Diluted

Earnings (loss) from continuing operations per share of
common stock:

Basic

Diluted

Loss from discontinued operations per share of common
stock:

Basic

Diluted

Earnings (loss) per share of common stock:

Basic

Diluted

2017

Operating revenues

Net income (loss) from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

Average common shares outstanding:

Basic

Diluted

Earnings (loss) from continuing operations per share of
common stock:

Basic

Diluted

Loss from discontinued operations per share of common
stock:

Basic

Diluted

Earnings (loss) per share of common stock:

Basic

Diluted

$

263,635

$

124,567

$

91,239

$

42,011

(474)

41,537

28,753

28,803

1.46

1.46

(0.02)

(0.02)

1.44

1.44

(339)

(659)

(998)

28,791

28,791

(0.01)

(0.01)

(0.02)

(0.02)

(0.03)

(0.03)

(11,144)

(650)

(11,794)

28,815

28,815

(0.39)

(0.39)

(0.02)

(0.02)

(0.41)

(0.41)

$

295,724

$

134,476

$

86,212

$

41,397

(1,087)

40,310

28,633

28,723

1.45

1.44

(0.04)

(0.04)

1.41

1.40

4,075

(1,346)

2,729

28,648

28,717

0.14

0.14

(0.04)

(0.04)

0.10

0.10

(7,887)

(608)

(8,495)

28,678

28,678

(0.28)

(0.28)

(0.02)

(0.02)

(0.30)

(0.30)

226,702

36,783

(959)

35,824

28,851

28,940

1.27

1.27

(0.03)

(0.03)

1.24

1.24

238,626

34,488

(124,655)

(90,167)

28,716

28,797

1.20

1.20

(4.34)

(4.33)

(3.14)

(3.13)

(1)   Quarterly earnings (loss) per share are based upon the average number of common shares outstanding during each quarter. Variations in 

earnings between quarterly periods are due primarily to the seasonal nature of our business. 

111

 
 
 
 
 
 
 
 
NORTHWEST NATURAL GAS COMPANY
QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

In thousands

2018

Operating revenues

Net income (loss) from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

2017

Operating revenues

Net income (loss) from continuing operations

Loss from discontinued operations, net of tax

Net income (loss)

NW Natural

Quarter ended

March 31

June 30

September 30

December 31

$

263,635

$

124,563

$

91,227

$

42,014

(477)

41,537

(271)

(727)

(998)

(11,275)

(519)

(11,794)

$

295,668

$

134,420

$

86,157

$

41,438

(1,128)

40,310

4,072

(1,343)

2,729

(7,876)

(619)

(8,495)

226,146

37,581

—

37,581

238,793

34,086

(124,253)

(90,167)

112

 
 
 
 
 
 
 
 
SCHEDULE I - CONDENSED FINANCIAL INFORMATION OF NORTHWEST NATURAL 
HOLDING COMPANY

NORTHWEST NATURAL HOLDING COMPANY
CONDENSED STATEMENTS OF COMPREHENSIVE INCOME
(PARENT COMPANY ONLY)

In thousands

Operating expenses:

Operations and maintenance

Total operating expenses

Loss from operations

Earnings from investment in subsidiaries, net of tax

Other income (expense), net

Interest expense, net

Income before income taxes

Income tax expense (benefit)

Net income

See Notes to Condensed Financial Statements

Inception through
December 31,
2018

$

$

838

838

(838)

36,469

36

53

35,614

(225)

35,839

113

 
As of December 31,

2018

$

$

$

$

4,011

2,796

6,000

3,078

15,885

754,971

65

310

755,346

771,231

168

9,166

32

9,366

(1)

7

7

739,722

22,137

761,859

771,231

NORTHWEST NATURAL HOLDING COMPANY
CONDENSED BALANCE SHEETS
(PARENT COMPANY ONLY)

In thousands

Assets:

Current assets:

Cash and cash equivalents

Receivables from affiliates

Income taxes receivable

Other current assets

Total current assets

Non-current assets:

Investments in subsidiaries

Other investments

Other non-current assets

Total non-current assets

Total assets

Liabilities and equity:

Current liabilities:

Accounts payable

Payables to affiliates

Interest accrued

Total current liabilities

Long-term debt

Deferred credits and other non-current liabilities:

Deferred tax liabilities

Total deferred credits and other non-current liabilities

Equity:

Common stock

Retained earnings

Total equity

Total liabilities and equity

See Notes to Condensed Financial Statements

114

NORTHWEST NATURAL HOLDING COMPANY
CONDENSED STATEMENTS OF CASH FLOWS
(PARENT COMPANY ONLY)

In thousands

Operating activities:

Net income

Adjustments to reconcile net income to cash used in operations:

Equity in earnings of subsidiaries, net of tax

Deferred income taxes

Other

Changes in assets and liabilities:

Receivables, net

Income and other taxes

Accounts payable

Interest accrued

Other, net

Cash used in operating activities

Investing activities:

Contributions to subsidiaries

Cash used in investing activities

Financing activities:

Cash dividend payments on common stock

Capital contributions

Other

Cash provided by financing activities

Increase in cash and cash equivalents

Cash and cash equivalents, beginning of period

Cash and cash equivalents, end of period

See Notes to Condensed Financial Statements

Inception through
December 31,
2018

$

35,839

(36,469)

7

15

(585)

(9,034)

9,304

32

(44)

(935)

(1,804)

(1,804)

(12,923)

20,000

(327)

6,750

4,011

—

4,011

$

115

NOTES TO CONDENSED FINANCIAL STATEMENTS

1. BASIS OF PRESENTATION

NW Holdings is an energy services holding company that 
conducts substantially all of its business operations through 
its subsidiaries, particularly NW Natural. These condensed 
financial statements and related footnotes have been 
prepared in accordance with Rule 12-04, Schedule I of 
Regulation S-X. These financial statements, in which NW 
Holdings' subsidiaries have been included using the equity 

method, should be read in conjunction with the 
consolidated financial statements and notes thereto of NW 
Holdings included in Item 8 of this Form 10-K. 

Equity earnings of subsidiaries included earnings from NW 
Natural of $36.5 million for the year ended December 31, 
2018.

2. DEBT

For information concerning NW Holdings' debt obligations, 
see Note 8 to the consolidated financial statements 
included in Item 8 of this report.

116

NORTHWEST NATURAL HOLDING 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)

2018

Reserves deducted in balance sheet from
assets to which they apply:

Allowance for uncollectible accounts

2017

Reserves deducted in balance sheet from
assets to which they apply:

Allowance for uncollectible accounts

2016

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

956

$

680

$

— $

659

$

977

1,290

$

865

$

— $

1,199

$

956

870

$

1,246

$

— $

826

$

1,290

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)

2018

Reserves deducted in balance sheet from 
assets to which they apply:

Allowance for uncollectible accounts

2017

Reserves deducted in balance sheet from 
assets to which they apply:

Allowance for uncollectible accounts

2016

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

956

$

678

$

— $

659

$

975

1,290

$

865

$

— $

1,199

$

956

870

$

1,246

$

— $

826

$

1,290

117

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

NW Holdings and NW Natural management, under the 
supervision and with the participation of the Chief Executive 
Officer and Chief Financial Officer, completed an evaluation 
of the effectiveness of the design and operation of 
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, the Chief Executive Officer and Chief Financial 
Officer of each registrant have concluded that, as of the end 
of the period covered by this report, disclosure controls and 
procedures were effective to ensure that information 
required to be disclosed by each such registrant and 
included in 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 of each registrant, 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 

NW Holdings and NW Natural management are 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 internal control over financial reporting that occurred 
during the quarter ended December 31, 2018 that have 
materially affected, or are reasonably likely to materially 
affect, internal control over financial reporting for NW 
Holdings and NW Natural. 

The statements contained in Exhibit 31a., Exhibit 31b., 
Exhibit 31c. and Exhibit 31d. should be considered in light 
of, and read together with, the information set forth in this 
Item 9(a). 

ITEM 9B. OTHER INFORMATION

None.

118

 
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 NW Holdings' definitive Proxy Statement for the 2019 Annual Meeting of 
Shareholders is hereby incorporated by reference.

PART III

Name

David H. Anderson*

Age at 
Dec. 31, 2018
57

Frank H. Burkhartsmeyer*

Lea Anne Doolittle(3)

James R. Downing

Shawn M. Filippi*

Kimberly A. Heiting

Jon G. Huddleston

Thomas J. Imeson(4)

Justin Palfreyman

Melinda B. Rogers

Lori Russell

MardiLyn Saathoff*

David A. Weber

Brody J. Wilson*

54

63

49

46

49

56

68

40

53

59

62

59

39

EXECUTIVE OFFICERS

Positions held during last five years(1)

Chief Executive Officer and President(2) (2016-  ); Chief Operating Officer and 
President (2015-2016); Executive Vice President and Chief Operating Officer 
(2014-2015); Executive Vice President Operations and Regulation (2013-2014); 
Senior Vice President and Chief Financial Officer (2004-2013).
Senior Vice President and Chief Financial Officer(2) (2017-  ); President and 
Chief Executive Officer of Renewables, Avangrid Renewables (2015-2017); 
Senior Vice President of Finance, Iberdrola Renewables Holdings, Inc. 
(2012-2015).
Senior Vice President and Chief Administrative Officer (2013-2018); Senior Vice
President (2008-2013).

Vice President and Chief Information Officer (2017-  ); Chief Information Officer,
WorleyParsons (America's Division) (2016-2017); Executive Service Delivery
Manager for SAP, British Petroleum (2011-2015).

Vice President, Chief Compliance Officer and Corporate Secretary(2) (2016-  ); 
Vice President and Corporate Secretary (2015-2016); Senior Legal Counsel 
(2011-2014); Assistant Corporate Secretary (2010-2014).

Senior Vice President, Operations and Chief Marketing Officer (2018-  ); Senior
Vice President, Communications and Chief Marketing Officer (2018); Vice
President, Communications and Chief Marketing Officer (2015-2018); Chief
Marketing & Communications Officer (2013-2014); Chief Corporate
Communications Officer (2011-2013).

Vice President, Engineering and Utility Operations (2018-  ); Senior Director,
Utility Operations (2014-2018); Director, Utility Operations (2013-2014); Process
Director (2007-2013).

Vice President of Public Affairs (2014-  ); Director of Public Affairs, Port of
Portland (2006-2014).

Vice President, Strategy and Business Development (2017-  );Vice President,
Business Development (2016-2017); Director, Power, Energy and Infrastructure
Group, Lazard, Freres & Co. (2009-2016).

Vice President, Chief Human Resources and Diversity Officer (2018-  ); Senior
Director of Human Resources (2018); Senior Manager, Organizational
Effectiveness and Talent Acquisition (2015-2017); Senior Associate, Plan B
(2014-2015); Director, Executive Development Center, Willamette University
(2011-2015).

Vice President, Utility Services (2016-  ); Utility Field Operations Director
(2013-2016); Serve Customer Process Director (2008-2013).

Senior Vice President, Regulation and General Counsel(5) (2016-  ); Senior Vice 
President and General Counsel (2015-2016); Vice President, Legal, Risk and 
Compliance (2013-2014); Deputy General Counsel (2010-2013); Chief 
Governance Officer and Corporate Secretary (2008-2014). 

President and Chief Executive Officer, NW Natural Gas Storage, LLC and Gill
Ranch Storage, LLC (2011-  ).
Vice President, Chief Accounting Officer, Controller and Treasurer(2) (2017-  ); 
Chief Financial Officer (Interim), Treasurer, Chief Accounting Officer and 
Controller (2016-2017); Chief Accounting Officer, Controller and Assistant 
Treasurer (2016); Controller (2013-2015); Acting Controller (2013); Accounting 
Director (2012-2013).

119

DIRECTOR (NORTHWEST NATURAL GAS COMPANY ONLY)**

Name

Steven E. Wynne

Age at 
Dec. 31, 2018
66

Positions held during last five years(1)

Executive Vice President, Moda, Inc., a privately-held healthcare insurance 
company (2012-  ); Director, FLIR Systems, Inc. (1999-   ); Director, JELD-WEN 
Holding Inc. (2012- ); Director, Pendleton Woolen Mills, Inc. (2013-  ); Director, 
Lone Rock Resources, Inc. (2016-  ); Director, Citifyd Inc. (2013-  ); Trustee, 
Willamette University (1999-   ); Trustee, Portland Center Stage (2012-   ); 
Executive Vice President, JELD-WEN, Inc. (2011-2012); President and Chief 
Executive Officer, SBI International, Ltd. (2004-2007); Partner, Ater Wynne LLP 
(2001-2002; 2003-2004); President and Chief Executive Officer, Adidas 
(1995-2000)  

Mr. Wynne’s senior management experience with a variety of companies, board 
service on a number of public and private companies and longstanding legal 
practice in the areas of corporate finance, securities and mergers and 
acquisitions qualify him to provide insight and guidance in the areas of corporate 
governance, strategic planning, enterprise risk management, finance and 
operations.

 *  Executive Officer of Northwest Natural Holding Company and Northwest Natural Gas Company.
 ** Director of Northwest Natural Gas Company only. All other directors of Northwest Natural Gas Company are also directors of Northwest 

Natural Holding Company, and information regarding all directors concurrently serving on the Board of Directors of Northwest Natural Gas 
Company and Northwest Natural Holding Company will be incorporated by reference to our definitive Proxy Statement for the 2019 Annual 
Meeting of Shareholders.

(1)  Unless otherwise specified, all positions held at Northwest Natural Gas Company.
(2) Position held at Northwest Natural Holding Company (beginning March 2018) and Northwest Natural Gas Company.
(3) Ms. Doolittle retired effective December 31, 2018.
(4) Mr. Imeson announced his intention to retire effective April 1, 2019. The Board of Directors appointed Kathryn Williams to become Vice 

President of Public Affairs effective April 1, 2019.

(5) Ms. Saathoff is Senior Vice President and General Counsel of Northwest Natural Holding Company (beginning March 2018) and Senior Vice 

President, Regulation and General Counsel of Northwest Natural Gas Company.

Each executive officer serves successive annual terms; present terms end at the 2019 annual meeting. There are no family 
relationships among our executive officers, directors or any person chosen to become one of our officers or directors. NW 
Holdings and NW Natural have adopted a Code of Ethics (Code) applicable to all employees, officers, and directors that is 
available on our website at www.nwnaturalholdings.com. We intend to disclose on our website at www.nwnaturalholdings.com 
any amendments to the Code or waivers of the Code for executive officers and directors.

120

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 NW Holdings' definitive 
Proxy Statement for the 2019 Annual Meeting of 
Shareholders is hereby incorporated by reference. 
Information related to Executive Officers as of December 
31, 2018 is reflected in Part III, Item 10, above.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND 
RELATED STOCKHOLDER MATTERS

As of February 22, 2019, NW Holdings owned 100% of the outstanding common stock of NW Natural.

The following table sets forth information regarding compensation plans under which equity securities of NW Holdings are 
authorized for issuance as of December 31, 2018 (see Note 7 to the Consolidated Financial Statements):

Plan Category

Equity compensation plans approved by security holders:

LTIP (1)(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)

Total

(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))

173,175

55,938

$

20,022

1,063

41,069

194,205

485,472

n/a

44.96

60.07

n/a

n/a

n/a

574,787

—

204,317

n/a

n/a

n/a

779,104

(1)  Awards may be granted under the LTIP as Performance Share Awards, Restricted Stock Units, or stock options. 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. The number of shares shown in column (a) include 82,680 Restricted Stock Units and 90,495 Performance Share 
Awards, reflecting the number of shares to be issued as performance share awards under outstanding Performance Share Awards if target 
performance levels are achieved. If the maximum awards were paid pursuant to the Performance Share Awards outstanding at December 
31, 2018, the number of shares shown in column (a) would increase by 90,495 shares, reflecting the maximum share award of 200% of 
target, and the number of shares shown in column (c) would decrease by the same amount of shares. No stock options or other types of 
award have been issued under the LTIP.
The number of shares shown in column (c) includes shares that are available for future issuance under the LTIP as Restricted Stock Units, 
Performance Share Awards, or stock options at December 31, 2018.

(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 (now NW Holdings) 
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 Holdings 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 participants' 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.

121

  
 
 
 
 
 
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 NW Holdings' definitive Proxy Statement for the 2019 
Annual Meeting of Shareholders is incorporated herein by reference.

ITEM 13. CERTAIN RELATIONSHIPS AND 
RELATED TRANSACTIONS, AND DIRECTOR 
INDEPENDENCE

The information captioned "Transactions with Related 
Persons" and "Corporate Governance" in NW Holdings' 
definitive Proxy Statement for the 2019 Annual Meeting of 
Shareholders is hereby incorporated by 
reference.

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND 
SERVICES

NW Holdings
The information captioned "2018 and 2017 Audit Firm Fees" 
in NW Holdings’ definitive Proxy Statement for the 2019 
Annual Meeting of Shareholders is hereby incorporated by 
reference.

NW Natural
The following table shows the fees and expenses of NW 
Natural, paid or accrued for the integrated audits of the 
consolidated financial statements and other services 
provided by NW Natural's independent registered public 
accounting firm, PricewaterhouseCoopers LLP, for fiscal 
years 2018 and 2017:

In thousands

Audit Fees

Audit-Related Fees

Tax Fees

All Other Fees

Total

2018

2017

$

1,379

$

1,262

30

34

4

115

35

3

$

1,447

$

1,415

AUDIT FEES. This category includes fees and expenses for 
services rendered for the integrated audit of the 
consolidated financial statements included in the Annual 
Report on Form 10-K and the review of the quarterly 
financial statements included in the Quarterly Reports on 
Form 10-Q. The integrated audit includes the review of our 
internal control over financial reporting in compliance with 
Section 404 of the Sarbanes-Oxley Act of 2002 (Sarbanes-
Oxley Act). In addition, amounts include fees for services 
routinely provided by the auditor in connection with 
regulatory filings, including issuance of consents and 
comfort letters relating to the registration of Company 
securities and assistance with the review of documents filed 
with the SEC.

AUDIT-RELATED FEES. This category includes fees for 
assurance and related services that are reasonably related 
to the performance of the audit or review of our financial 
statements and internal control over financial reporting, 
including fees and expenses related to consultations for 
financial accounting and reporting, in addition to fees for 
EPA assurance letters.

TAX FEES. This category includes fees for tax compliance, 
and review services rendered for NW Natural's income tax 
returns.

ALL OTHER FEES. This category relates to services other 
than those described above. The amount reflects payments 
for accounting research tools in each of 2018 and 2017, and 
educational seminars in 2018.

PRE-APPROVAL POLICY FOR AUDIT AND NON-AUDIT 
SERVICES. The Audit Committee of NW Natural approved 
or ratified 100 percent of 2018 and 2017 services for audit, 
audit-related, tax services and all other fees, including audit 
services relating to compliance with Section 404 of the 
Sarbanes-Oxley Act. The chair of the Audit Committee of 
NW Natural is authorized to pre-approve non-audit services 
between meetings of the Audit Committee and must report 
such approvals at the next Audit Committee meeting.

PART IV

ITEM 16. FORM 10-K SUMMARY

None. 

ITEM 15. EXHIBITS AND FINANCIAL 
STATEMENT SCHEDULES

(a)  The following documents are filed as part of this exhibit 

99.1:

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 the following page.

122

  
 
NORTHWEST NATURAL HOLDING COMPANY
NORTHWEST NATURAL GAS COMPANY
 Exhibit Index to Annual Report on Form 10-K
For the Fiscal Year Ended December 31, 2018 

Exhibit Number                                                        Document

*2a.

*2b.

*3a.

*3b.

*3c.

*3d.

*4a.

*4b.

*4c.

*4d.

*4e.

*4f.

*4g.

Agreement and Plan of Merger by and among Northwest Natural Gas Company, Northwest Natural Holding
Company, and NWN Merger Sub, Inc., dated as of March 7, 2018 (incorporated by reference to Exhibit 2 to the
Current Report on Form 8-K dated March 13, 2018, File No. 1-15973).

Amendment to Agreement and Plan of Merger between Northwest Natural Gas Company, Northwest Natural Holding
Company, and NWN Merger Sub, Inc., dated September 26, 2018 (incorporated by reference to Exhibit 2.1(b) to the
Form 8-K dated October 1, 2018, File No. 1-38681).

Amended and Restated Articles of Incorporation of Northwest Natural Holding Company (incorporated by reference
to Exhibit 3.1 to the Form 8-K dated October 1, 2018, File No. 1-38681).

Amended and Restated Articles of Incorporation of Northwest Natural Gas Company (incorporated by reference to
Exhibit 3.3 to the Form 8-K dated October 1, 2018, File No. 1-15973).

Amended and Restated Bylaws of Northwest Natural Holding Company (incorporated by reference to Exhibit 3.2 to
the Form 8-K dated October 1, 2018, File No. 1-38681).

Bylaws of Northwest Natural Gas Company (incorporated by reference to Exhibit 3.1 to the Form 8-K filed
December 22, 2017, File No. 1-15973).

Copy of Mortgage and Deed of Trust of Northwest Natural Gas Company, dated as of July 1, 1946 (Mortgage and
Deed of Trust), to Bankers Trust (to whom Deutsche Bank Trust Company Americas is the successor), Trustee
(incorporated 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 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 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 by reference to Exhibit 4(c) in File No. 33-64014).

Supplemental Indenture No. 20 to the Mortgage and Deed of Trust, dated as of June 1, 1993 (incorporated by
reference to Exhibit 4a.(1) to Form 10-K for year ended December 31, 1993, File No. 0-00994).

Supplemental Indenture No. 21 to the Mortgage and Deed of Trust, dated as of October 15, 2012 (incorporated by
reference to Exhibit 4.1 to Form 8-K dated October 26, 2012, File No. 1-15973).

Supplemental Indenture No. 22 to the Mortgage and Deed of Trust, dated as of November 1, 2016 (incorporated by
reference to Exhibit 4.1 to Form 10-Q for the quarter ended September 30, 2016, File No. 1-15973).

Supplemental Indenture No. 23 to the Mortgage and Deed of Trust, dated as of September 1, 2018 (incorporated by
reference to Exhibit 4(a) to Form 8-K dated September 10, 2018, File No. 1-15973).

Copy of Indenture, dated as of June 1, 1991, between Northwest Natural Gas Company and Bankers Trust Company
(to whom Deutsch Bank Trust Company Americas is successor), Trustee, relating to Northwest Natural Gas
Company's Unsecured Debt Securities (incorporated by reference to Exhibit 4(e) in File No. 33-64014).

Credit Agreement, dated as of October 2, 2018, among Northwest Natural Holding Company and the lenders party
thereto, with JPMorgan Chase Bank, N.A. as administrative agent and Bank of America, N.A., U.S. Bank National
Association, and Wells Fargo Bank, National Association, as co-syndication agents (incorporated by reference to
Exhibit 4.1 to Form 8-K dated October 3, 2018, File No. 1-38681).

123

 
 
 
 
 
 
 
*4h.

Credit Agreement, dated as of October  2, 2018, among Northwest Natural Gas Company and the lenders party
thereto, with JPMorgan Chase Bank, N.A. as administrative agent and Bank of America, N.A., U.S. Bank National
Association, and Wells Fargo Bank, National Association, as co-syndication agents (incorporated by reference to
Exhibit 4.1 to Form 8-K dated October 3, 2018, File No. 1-15973).

*10

Purchase and Sale Agreement dated June 20, 2018, between NW Natural Gas Storage LLC and SENSA Holdings
LLC (incorporated by reference to Exhibit 10 to Form 10-Q for the quarter ended June 30, 2018, File No. 1-15973).

21

Subsidiaries of Northwest Natural Holding Company.

23a.

Consent of PricewaterhouseCoopers LLP - NW Holdings.

23b.

Consent of PricewaterhouseCoopers LLP - NW Natural.

31a.

31b.

31c.

31d.

Certification of Principal Executive Officer of Northwest Natural Gas Company Pursuant to Rule 13a-14(a)/15-
d-14(a), Section 302 of the Sarbanes-Oxley Act of 2002.

Certification of Principal Financial Officer of Northwest Natural Gas Company Pursuant to Rule 13a-14(a)/15-d-14(a),
Section 302 of the Sarbanes-Oxley Act of 2002.

Certification of Principal Executive Officer of Northwest Natural Holding Company Pursuant to Rule 13a-14(a)/15-
d-14(a), Section 302 of the Sarbanes-Oxley Act of 2002.

Certification of Principal Financial Officer of Northwest Natural Holding Company Pursuant to Rule 13a-14(a)/15-
d-14(a), Section 302 of the Sarbanes-Oxley Act of 2002.

**32a.

Certification of Principal Executive Officer and Principal Financial Officer of Northwest Natural Gas Company
Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

**32b.

Certification of Principal Executive Officer and Principal Financial Officer of Northwest Natural Holding Company
Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

101.

The following materials 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.

Executive Compensation Plans and Arrangements:

*10a.

Executive Supplemental Retirement Income Plan, 2018 Restatement (incorporated herein by reference to Exhibit
10.6 to the Form 8-K dated October 1, 2018, File No. 1-38681).

*10b.

Supplemental Executive Retirement Plan, 2018 Restatement (incorporated herein by reference to Exhibit 10.7 to the
Form 8-K dated October 1, 2018, File No. 1-38681).

*10c.

Northwest Natural Gas Company Supplemental Trust, effective January 1, 2005, restated as of October 1, 2018
(incorporated by reference to Exhibit 10.9 to the Form 8-K dated October 1, 2018, File No. 1-38681).

*10d.

Northwest Natural Gas Company Umbrella Trust for Directors, effective January 1, 1991, restated as of October 1,
2018 (incorporated by reference to Exhibit 10.11 to the Form 8-K dated October 1, 2018, File No. 1-38681).

*10e.

Northwest Natural Gas Company Umbrella Trust for Executives, effective January 1, 1988, restated as of October 1,
2018 (incorporated by reference to Exhibit 10.10 to the Form 8-K dated October 1, 2018, File No. 1-38681).

124

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*10f.

Restated Stock Option Plan, as amended effective December 14, 2006 (incorporated by reference to Exhibit 10c. to
Form 10-K for 2006, File No. 1-15973).

*10g.

Form of Restated Stock Option Plan Agreement (incorporated by reference to Exhibit 10h. to Form 10-K for 2009,
File No. 1-15973).

*10h.

Executive Deferred Compensation Plan, effective as of January 1, 1987, restated as of October 1, 2018
(incorporated by reference to Exhibit 10.4 to the Form 8-K dated October 1, 2018, File No. 1-38681).

*10i.

*10j.

Directors Deferred Compensation Plan, effective June 1, 1981, restated as of October 1, 2018 (incorporated by
reference to Exhibit 10.5 to the Form 8-K dated October 1, 2018, File No. 1-38681).

Deferred Compensation Plan for Directors and Executives, effective January 1, 2005, restated as of October 1, 2018
(incorporated by reference to Exhibit 10.3 to the Form 8-K dated October 1, 2018, File No. 1-38681).

10k.

Intentionally omitted.

10l.

Form of Indemnity Agreement as entered into between Northwest Natural Gas Company and each director and
certain executive officers.

10m.

Form of Indemnity Agreement as entered into between Northwest Natural Holding Company and each director and
certain executive officers.

*10n.

Non-Employee Directors Stock Compensation Plan, as amended effective December 15, 2005 (incorporated by
reference to Exhibit 10.2 to Form 8-K dated December 16, 2005, File No. 1-15973).

*10o.

Executive Annual Incentive Plan, effective January 1, 2017 (incorporated by reference to Exhibit 10o. to Form 10-K
for 2016, File No. 1-15973).

*10p.

Executive Annual Incentive Plan, effective January 1, 2018, as amended and restated effective October 1, 2018
(incorporated by reference to Exhibit 10.8 to the Form 8-K dated October 1, 2018, File No. 1-38681).

10q.

Executive Annual Incentive Plan, effective January 1, 2019.

*10r.

Form of Change in Control Severance Agreement between Northwest Natural Gas Company and each executive
officer, as amended and restated as of October 1, 2018 (incorporated by reference to Exhibit 10.2 to the Form 8-K
dated October 1, 2018, File No. 1-38681).

*10s.

Northwest Natural Gas Company Long Term Incentive Plan, as amended and restated effective May 24, 2012
(incorporated by reference to Exhibit 10r to Form 10-K for 2012, File No. 1-15973).

*10t.

Northwest Natural Gas Company Long Term Incentive Plan, as amended and restated effective May 25, 2017
(incorporated by reference to Exhibit 10s to Form 10-K for 2017, File No. 1-15973).

*10u.

Northwest Natural Holding Company Long Term Incentive Plan, as amended and restated as of October 1, 2018
(incorporated by reference to Exhibit 10.1 to the Form 8-K dated October 1, 2018, File No. 1-38681).

*10v.

Form of Long Term Incentive Award Agreement under the Long Term Incentive Plan (2016-2018) (incorporated by
reference to Exhibit 10w. to Form 10-K for 2015, File No. 1-15973).

*10w.

Form of Long Term Incentive Award Agreement under the Long Term Incentive Plan between Northwest Natural Gas
Company and an Executive Officer (2016-2018) (incorporated by reference to Exhibit 10x. to Form 10-K for 2015,
File No. 1-15973).

*10x.

Form of Long Term Incentive Award Agreement under Long Term Incentive Plan (2017-2019) (incorporated by
reference to Exhibit 10x. to Form 10-K for 2016, File No. 1-15973).

125

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
*10y.

Form of Performances Share Long Term Incentive Agreement under Long Term Incentive Plan (2018-2020)
(incorporated by reference to Exhibit 10y. to Form 10-K for 2017, File No. 1-15973).

10z.

Form of Long Term Incentive Award Agreement under Long Term Incentive Plan (2019-2021).

*10aa.

Form of Consent dated December 14, 2006 entered into by each executive officer with respect to amendments to the
Executive Supplemental Retirement Income Plan, the Supplemental Executive Retirement Plan and certain change
in control severance agreements (incorporated by reference to Exhibit 10.1 to Form 8-K dated December 19, 2006,
File No. 1-15973).

*10bb.

Consent to Amendment of Deferred Compensation Plan for Directors and Executives, dated February 28, 2008
entered into by each executive officer (incorporated by reference to Exhibit 10bb to Form 10-K for 2007, File No.
1-15973).

10cc.

Form of Restricted Stock Unit Award Agreement under Long Term Incentive Plan (2019).

*10dd.

Form of Restricted Stock Unit Award Agreement under Long Term Incentive Plan (2018) (incorporated by reference
to Exhibit 10bb. to Form 10-K for 2017, File No. 1-15973).

*10ee.

Corrected Form of Restricted Stock Unit Award Agreement under Long Term Incentive Plan (2017) (incorporated by
reference to Exhibit 10.1 to Form 10-Q for the quarter ended March 31, 2017, File No. 1-15973).

*10ff.

Form of Restricted Stock Unit Award Agreement under Long Term Incentive Plan (2016) (incorporated by reference
to Exhibit 10bb. to Form 10-K for 2015, File No. 1-15973).

*10gg.

Form of Amendment to Restricted Stock Unit Award Agreements (2013, 2014 and 2015) (incorporated by reference
to Exhibit 10cc to Form 10-K for 2016, File No. 1-15973).

*10hh.

Form of Restricted Stock Unit Award Agreement under the Long Term Incentive Plan (2013, 2014 and 2015)
(incorporated by reference to Exhibit 10aa. to Form 10-K for 2012, File No. 1-15973).

10ii.

Form of Director Restricted Stock Unit Award Agreement under Long Term Incentive Plan (2018).

*10jj.

Form of Director Restricted Stock Unit Award Agreement under the Long Term Incentive Plan (2017) (incorporated by
reference to Exhibit 10.1 to Form 10-Q for the quarter ended June 30, 2017, File No 1-15973).

*10kk.

*10ll.

Severance Agreement between Northwest Natural Gas Company and an executive officer, dated August 1, 2016
(incorporated by reference to Exhibit 10.1 to Form 8-K dated July 29, 2016, File No. 1-15973).

Form of Restricted Stock Unit Award Agreement between Northwest Natural Gas Company and an executive officer
dated as of July 27, 2016 (incorporated by reference to Exhibit 10.1 to Form 10-Q for the quarter ended June 30,
2016, File No. 1-15973).

*10mm. Form of Severance Agreement between Northwest Natural Gas Company and an executive officer, dated May 17,

2017 (incorporated by reference to Exhibit 10.1 to Form 8-K dated April 24, 2017, File No. 1-15973).

*10nn.

Form of Special Restricted Stock Unit Agreement between Northwest Natural Gas Company and an executive
officer, dated May 17, 2017 (incorporated by reference to Exhibit 10.2 to Form 8-K dated April 24, 2017, File No.
1-15973).

*10oo.

Form of Hire-On Bonus Agreement between Northwest Natural Gas Company and an executive officer, dated May
17, 2017 (incorporated by reference to Exhibit 10.3 to Form 8-K dated April 24, 2017, File No. 1-15973).

*10pp.

Form of Special Retention Restricted Stock Unit Agreement between Northwest Natural Gas Company and an
executive officer, dated September 30, 2016 (incorporated by reference to Exhibit 10qq. to Form 10-K for 2017, File
No. 1-15973).

126

 
 
 
 
*10qq.

Form of Hire-On Bonus Agreement between Northwest Natural Gas Company and an executive officer, dated
September 30, 2016 (incorporated by reference to Exhibit 10rr. to Form 10-K for 2017, File No. 1-15973).

*10rr.

Cash Retention Agreement between Northwest Natural Gas Company and an executive officer, dated as of March 1,
2018 (incorporated by reference to Exhibit 10ss. to Form 10-K for 2017, File No. 1-15973).

10ss.

Annual Incentive Plan for NW Natural Gas Storage, LLC, as amended effective January 1, 2019.

*10tt.

Long Term Incentive Plan for NW Natural Gas Storage, LLC, as amended effective January 1, 2016 (incorporated by
reference to Exhibit 10pp. to Form 10-K for 2016, File No. 1-15973).

*Incorporated herein by reference as indicated
**Pursuant to Item 601(b)(32)(ii) of Regulation S-K, this certificate is not being "filed" for purposes of Section 18 of the Securities 
Exchange Act of 1934, as amended.

127

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, each registrant has duly caused this 
report to be signed on its behalf by the undersigned, thereunto duly authorized. The signature for each undersigned company shall 
be deemed to relate only to matters having reference to such company and its subsidiaries.

NORTHWEST NATURAL HOLDING COMPANY

By: /s/ David H. Anderson
David H. Anderson
President and Chief Executive Officer
Date: March 1, 2019      

NORTHWEST NATURAL GAS COMPANY

By: /s/ David H. Anderson
David H. Anderson
President and Chief Executive Officer
Date: March 1, 2019      

128

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. The signatures of each of the undersigned shall be 
deemed to relate only to matters having reference to the below named company and its subsidiaries.

NORTHWEST NATURAL HOLDING COMPANY

Signature

Title

Date

/s/ David H. Anderson

David H. Anderson
President and Chief Executive Officer

Principal Executive Officer and Director

March 1, 2019

/s/ Frank H. Burkhartsmeyer

Principal Financial Officer

March 1, 2019

Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

/s/ Brody J. Wilson   

Principal Accounting Officer

March 1, 2019

Brody J. Wilson
Vice President, Treasurer, Chief Accounting Officer 
and 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

/s/ Charles A. Wilhoite

Charles A. Wilhoite

  Director

  Director

  Director

  Director

)

)

)

)

)

)

)

)

)

)

)

)

  Director

March 1, 2019

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

  Director

  Director

  Director

  Director

Director

129

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NORTHWEST NATURAL GAS COMPANY

Signature

Title

Date

/s/ David H. Anderson

David H. Anderson
President and Chief Executive Officer

Principal Executive Officer and Director

March 1, 2019

/s/ Frank H. Burkhartsmeyer

Principal Financial Officer

March 1, 2019

Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

/s/ Brody J. Wilson   

Principal Accounting Officer

March 1, 2019

Brody J. Wilson
Vice President, Treasurer, Chief Accounting Officer 
and 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

/s/ Charles A. Wilhoite

Charles A. Wilhoite

/s/ Steven E. Wynne

Steven E. Wynne

  Director

  Director

  Director

  Director

  Director

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

  Director

March 1, 2019

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

  Director

  Director

  Director

  Director

  Director

130

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT 21

SUBSIDIARIES OF NORTHWEST NATURAL HOLDING COMPANY 
an Oregon Corporation

Name of Subsidiary

Jurisdiction Organized

Northwest Natural Gas Company (dba NW Natural)

Oregon

      Northwest Energy Corporation(1)

      NWN Gas Reserves LLC(1)

Gill Ranch Storage, LLC

NW Natural Energy, LLC

NW Natural Gas Storage, LLC

NNG Financial Corporation

Trail West Holdings, LLC

Trail West Pipeline, LLC

BL Credit Holdings, LLC

Northwest Biogas, LLC

KB Pipeline Company

NW Natural Water Company, LLC

NW Natural Water of Oregon, LLC

NW Natural Water of Washington, LLC

Cascadia Water, LLC

NW Natural Water of Idaho, LLC

Gem State Water Company, LLC

Falls Water Co., Inc.

Salmon Valley Water Company

(1)  

Subsidiary of Northwest Natural Gas Company

Oregon

Oregon

Oregon

Oregon

Oregon

Oregon

Delaware

Delaware

Delaware

Oregon

Oregon

Oregon

Oregon

Washington

Washington

Idaho

Idaho

Idaho

Oregon

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in the Registration Statements on Form on S-8 (Nos. 333-187005-01, 
333-180350-01, 333-134973-01, 333-100885-01, 333-139819-01,  333-221347-01 and 333-227687) and Form S-3 (No. 
333-227662) of Northwest Natural Holding Company of our report dated March 1, 2019 relating to the financial statements, 
financial statement schedules and the effectiveness of internal control over financial reporting, which appears in this Form 10-K.

EXHIBIT 23a

/s/ PricewaterhouseCoopers LLP
Portland, Oregon
March 1, 2019

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-214425) and Form  
S-3 (No. 333-227662-01) of Northwest Natural Gas Company of our report dated March 1, 2019 relating to the financial 
statements and financial statement schedule, which appears in this Form 10-K.

/s/ PricewaterhouseCoopers LLP
Portland, Oregon
March 1, 2019

EXHIBIT 23b

CERTIFICATION

I, David H. Anderson, certify that:

EXHIBIT 31a

1.           I have reviewed this annual report on Form 10-K for the year ended December 31, 2018 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:  March 1, 2019

/s/ David H. Anderson
David H. Anderson
President and Chief Executive Officer

CERTIFICATION

I, Frank H. Burkhartsmeyer, certify that:

EXHIBIT 31b

1.           I have reviewed this annual report on Form 10-K for the year ended December 31, 2018 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:  March 1, 2019

/s/ Frank H. Burkhartsmeyer
Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

CERTIFICATION

I, David H. Anderson, certify that:

EXHIBIT 31c

1.           I have reviewed this annual report on Form 10-K for the year ended December 31, 2018 of Northwest Natural Holding 
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:  March 1, 2019

/s/ David H. Anderson
David H. Anderson
President and Chief Executive Officer

CERTIFICATION

I, Frank H. Burkhartsmeyer, certify that:

EXHIBIT 31d

1.           I have reviewed this annual report on Form 10-K for the year ended December 31, 2018 of Northwest Natural Holding 
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:  March 1, 2019

/s/ Frank H. Burkhartsmeyer
Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

NORTHWEST NATURAL GAS COMPANY
Certificate Pursuant to Section 906
of Sarbanes – Oxley Act of 2002

EXHIBIT 32a

Each of the undersigned, DAVID H. ANDERSON, Chief Executive Officer, and FRANK H. BURKHARTSMEYER, the Chief 
Financial Officer, of NORTHWEST NATURAL GAS COMPANY (the Company), DOES HEREBY CERTIFY that:

The Company’s Annual Report on Form 10-K for the year ended December 31, 2018 (the Report) fully complies with 

1. 
the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

Information contained in the Report fairly presents, in all material respects, the financial condition and results of 

2. 
operations of the Company.

IN WITNESS WHEREOF, each of the undersigned has caused this instrument to be executed this 1st day of March 2019.

/s/ David H. Anderson
David H. Anderson
President and Chief Executive Officer

/s/ Frank H. Burkhartsmeyer
Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

A signed original of this written statement required by Section 906 of the Sarbanes-Oxley Act of 2002 has been provided to 
Northwest Natural Gas Company and will be retained by Northwest Natural Gas Company and furnished to the Securities and 
Exchange Commission or its staff upon request.

EXHIBIT 32b

NORTHWEST NATURAL HOLDING COMPANY
Certificate Pursuant to Section 906
of Sarbanes – Oxley Act of 2002

Each of the undersigned, DAVID H. ANDERSON, Chief Executive Officer, and FRANK H. BURKHARTSMEYER, the Chief 
Financial Officer, of NORTHWEST NATURAL HOLDING COMPANY (the Company), DOES HEREBY CERTIFY that:

The Company’s Annual Report on Form 10-K for the year ended December 31, 2018 (the Report) fully complies with 

1. 
the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and

Information contained in the Report fairly presents, in all material respects, the financial condition and results of 

2. 
operations of the Company.

IN WITNESS WHEREOF, each of the undersigned has caused this instrument to be executed this 1st day of March 2019.

/s/ David H. Anderson
David H. Anderson
President and Chief Executive Officer

/s/ Frank H. Burkhartsmeyer
Frank H. Burkhartsmeyer
Senior Vice President and Chief Financial Officer

A signed original of this written statement required by Section 906 of the Sarbanes-Oxley Act of 2002 has been provided to 
Northwest Natural Holding Company and will be retained by Northwest Natural Holding Company and furnished to the Securities 
and Exchange Commission or its staff upon request.

I N VI N VI N VI N VN V E S TE S TE S TE S TS O RO RO ROO RR A N DA N DA N DA N DNN S H AS H AS H AS H AS H AH AS H A R E HR E HR E HR E HE O L DOO L DO L DO L DOO

E RE RE RE RE RRR I N FI N FI N FI N FNN FO R MO R MO R MO R MR AT IAT IAT IAT IT O NO NO NO N

The Astoria-Megler Bridge in 
NW Natural’s service territory.

INVESTOR AND SHAREHOLDER
INFORMATION

STOCK TRANSFER AGENT 
AND REGISTRAR

For common stock:
American Stock Transfer 
& Trust Company
(cid:25)(cid:21)(cid:19)(cid:20)(cid:3)(cid:20)(cid:24)(cid:87)(cid:75)(cid:3)(cid:36)(cid:89)(cid:72)(cid:81)(cid:88)(cid:72)
Brooklyn, NY 11219
(888) 777-0321
web: astfinancial.com
email: info@(cid:68)(cid:86)(cid:87)(cid:403)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:17)(cid:70)(cid:82)(cid:80)

TRUSTEE AND 
BOND PAYING AGENT

For bond issues:
Deutsche Bank
Trust Company Americas
(cid:25)(cid:19)(cid:3)(cid:58)(cid:68)(cid:79)(cid:79)(cid:3)(cid:54)(cid:87)(cid:85)(cid:72)(cid:72)(cid:87)
New York, NY 10005
(800) 735-7777

NIKKI SPARLEY
Director, Investor Relations
Toll free (800) 422-4012, Ext. 2530
Direct (503) 721-2530
nikki.sparley@nwnatural.com

CATHY CROWN
Manager, Shareholder Services 
Toll free (800) 422-4012, Ext. 2402
Direct (503) 220-2402
cathy.crown@nwnatural.com

COMMUNITY & SUSTAINABILITY REPORT 
Learn more about NW Natural’s community
involvement and philanthropic contributions,
environmental stewardship, 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, which
supplements federal and state assistance 
programs. In addition, the Oregon Low-Income 
Gas Assistance Program uses public purpose
fees to help low-income customers pay their 
utility bills. The Oregon Low-Income Energy 
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purpose charges, helps customers in need
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weatherization upgrades.

View the Low-Income Programs at: 
nwnatural.com/residential

ENERGY-EFFICIENCY PROGRAMS 
NW Natural partners with Energy Trust of
Oregon to offer our Oregon and Washington
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services. Learn more about the results of these
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View the Energy Trust of Oregon
Annual Report at:
nwnatural.com/residential

220 NW SECOND AVENUE
PORTLAND, OREGON 97209
NWNATURALHOLDINGS.COM
NYSE: NWN

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