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PBF Energy

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FY2013 Annual Report · PBF Energy
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PBF (cid:3)Energy (cid:3)Inc. (cid:3)2013 (cid:3)Annual

(cid:3)Report

(cid:3)

(cid:3)

The(cid:3)PBF(cid:3)Energy(cid:3)Refining(cid:3)System(cid:3)

(cid:3)

(cid:3)

PBF(cid:3)owns(cid:3)three(cid:3)oil(cid:3)refineries(cid:3)located(cid:3)in(cid:3)Ohio,(cid:3)Delaware(cid:3)and(cid:3)New(cid:3)Jersey:(cid:3)

(cid:120)  Aggregate(cid:3)throughput(cid:3)capacity(cid:3)of(cid:3)approximately(cid:3)540,000(cid:3)barrels(cid:3)per(cid:3)day(cid:3)
(cid:120)  Weighted(cid:3)average(cid:3)Nelson(cid:3)Complexity(cid:3)of(cid:3)11.3(cid:3)
(cid:120)  Fifth(cid:3)largest(cid:3)U.S.(cid:3)independent(cid:3)refiner(cid:3)(cid:3)
(cid:120)  100%(cid:3)of(cid:3)PADD(cid:3)1(cid:3)coking(cid:3)capacity(cid:3)
(cid:120)  Recent(cid:3)rail(cid:3)infrastructure(cid:3)investment(cid:3)on(cid:3)East(cid:3)Coast(cid:3)provides(cid:3)the(cid:3)entire(cid:3)system(cid:3)access(cid:3)to(cid:3)WTI(cid:882)

based,(cid:3)cost(cid:882)advantaged(cid:3)North(cid:3)American(cid:3)crude(cid:3)supply(cid:3)

(cid:3)

(cid:3)

(cid:3)

Toledo Refinery 

•  170,000 bpd light, sweet crude refinery 
•  9.2 Nelson Complexity 
•  Mid-Continent location with access to cost-advantaged crudes 
• 
•  Truck and rail unloading infrastructure to run local crudes 
•  High-conversion refinery with distillate and gasoline yield of approximately of 85% 

Increasing regional sweet crude supply 

Delaware City Refinery 

•  190,000 bpd refinery located on 5,000-acre site on Delaware River 
•  11.3 Nelson Complexity 
•  Medium and heavy sour crude refinery 
•  64% of East Coast coking capacity 
•  145,000 bpd crude-by-rail discharge facilities, 40,000 bpd of which are Canadian heavy crudes 
•  Reconfigured crude slate to focus on cost-advantaged North American crudes and displaced 

waterborne crudes 

•  Export capability through Delaware River 

Paulsboro Refinery 

•  180,000 bpd refinery located on Delaware River 
•  13.2 Nelson Complexity 
•  Complex refinery with Group I lubricant production 
•  Connection to major Northeast pipelines 
•  Dedicated jet fuel pipeline to Philadelphia airport 
•  36% of East Coast coking capacity 
•  Export capability through Delaware River 

 
 
 
 
 
 
TO OUR SHAREHOLDERS 

2013 was a developmental year for PBF Energy as we continued to progress our strategy of increasing 
access to cost-advantaged North American crudes, while maintaining our flexibility to take advantage of 
price dislocations in the waterborne crude market. 

Our results for 2013 reflect strong operational performance in the face of weaker benchmark crack 
spreads and generally narrower crude oil differentials.  Operating income was $320 million for the year, 
and adjusted pro forma net income was $1.48 per share, on a fully-exchanged and fully-diluted basis.  
We finished 2013 with a cash balance of $77 million, total liquidity in excess of $600 million and a debt 
to capitalization ratio of 30%. 

Total capital expenditures for 2013, net of rail car purchases and sales, were $31  million, which include 
a number of margin-improvement investments and a major turnaround.  Projects were completed on 
the East Coast that allow Paulsboro and Delaware City to produce 100% ultra-low sulfur diesel or ultra-
low sulfur heating oil.  This transition gives us the ability to pursue the products with the highest netback 
for the company as seasonal demand changes.  The coker and hydrocracker turnaround completed at 
Delaware City in the fourth quarter followed a record 26-month run, of the coker complex, which is both 
a safety and operational benchmark. 

3

A particular bright spot for the year was PBF’s overall performance in the Health, Safety and 
Environmental (HSE) areas.  PBF Energy maintains the overriding goals of working safely, running reliably 
and operating in an environmentally responsible manner.  In 2013, PBF achieved many HSE milestones 
including the recertification of our Paulsboro Refinery as a Voluntary Protection Program Star Site by the 
Occupational Safety and Health Administration (“OSHA”), and a new employee safety record at our 
Delaware City refinery by having only a single employee OSHA-recordable case at that location.  We 
continue to work with Federal, State and local agencies to improve mutual cooperation and maintain 
our status as responsible neighbors and good corporate citizens. 

Our top priority, as always, is to operate our facilities in a safe, reliable and environmentally responsible 
manner.  We fully understand that without this foundation firmly in place, we cannot be successful.  
Safety performance in all three refineries was better than the refining industry average with our refining 
system's average total employee recordable incident rate (TRIR) at 0.71 versus the industry average of 
0.89.  Our contractor TRIR also improved to 0.46 versus an industry average of 0.77.  

We continued to invest in our East Coast rail facilities and have committed to lead the industry when it 
comes to the safety of our rail operations.  In February 2013, we completed our 105,000 barrel per day 
light crude unloading facility and have since announced plans to expand its capacity to approximately 
130,000 barrels per day by adding additional unloading points.  Our 40,000 barrel per day heavy crude 
unloading facility was operational for all of 2013 and we are in the process of expanding our heavy crude 
discharge capacity to 80,000 barrels per day.  Along with our rail facilities expansions, we are also 
continuing to grow our PBF Energy-controlled fleet of rail cars. 

The rail car fleet that PBF Energy has ordered, and is taking delivery of, is comprised entirely of DOT-
111A cars, which are of the latest design and have many improved safety features compared to later-
model cars.  The thicker shells, half-head shields and other protective coverings improve the safety 
performance of the cars.  PBF Energy has committed to use only these new-style DOT-111A cars for the 
delivery of crude oil to our Delaware City refinery and this practice will be fully in place in the first half of 
2014.  PBF Energy will continue to be an industry supporter of increasing the safety of rail operations 
across the entire logistics chain. 

We believe our efforts to expand our access to North American crude oils and maintaining our 
traditional access to water-borne crude oils have positioned our East Coast assets to take advantage of 
any opportunities that the market might offer.  Our East Coast refineries are advantaged in two 
important areas relative to our competition in PADD 1.  First, the Delaware City refinery’s 5,000-acre 
setting has provided us with the unique opportunity, for an East Coast asset, to build an extensive onsite 
rail crude oil unloading facility versus using third party facilities to trans-load and transport these crudes.  
This results in an embedded $2.50 to $3.00 per barrel lower cost of supplying these crudes to our East 
Coast refineries versus other refiners in the region.  Secondly, and importantly, our Delaware City and 
Paulsboro refineries remain the only refineries in the region with the units necessary to process heavy 
and sour crude oils. 

As the markets have adjusted to increased North American crude oil production, we have seen several 
favorable price dislocations in the crude oil market which have allowed us to take advantage of wider 
differentials and realize lower landed crude costs at our refineries.  We believe these favorable price 
dislocations for both North American and water-borne crude oil will continue to occur as North 
American refineries adjust their inputs to reflect the new realities of crude supply and availability in 
North America.  We feel that PBF Energy is positioned to move quickly to capitalize on any favorable 
pricing opportunities, whether they are North American or water-born barrels. 

As we look forward to the year ahead and beyond, we remain focused on increasing shareholder value 
through both organic and external growth opportunities.  Our board and management remain 
committed to enhancing shareholder value and continue to support a regular annual dividend, paid 
quarterly, of $1.20 per share. 

Following the initial public offering in December 2012, we have been busy in the capital markets. Our 
private equity sponsors continued to reduce their holdings in the company through three secondary 
offerings, one in June 2013, a second in January 2014 and a third in March 2014.  In total, our sponsors 
have sold almost 46 million shares since our IPO and reduced their holdings from over 70% to just over 
22% of the company.  The significance of this is that PBF Energy is no longer a “controlled company”; our 
public shareholder base has expanded and our flexibility to pursue our long-term goals has increased.  
We also successfully exchanged our $675 million of unregistered notes for registered notes which 
provides our bond investors with increased flexibility regarding their investments. 

Before concluding, we would like to thank all of PBF’s employees, at both our refineries and our 
headquarters, whose dedication and commitment to excellence are the foundations for our success. 
Additionally, we thank our Board of Directors for the oversight and leadership that they provide.   

Finally, we thank our shareholders. We are well aware of the investment and confidence you have 
placed in PBF and we will continue to work diligently to reward that trust. 

SiSiSiSiSSiS ncncncncncnn erererererererelelelelelelelely,y,y,y,y,yy,y,y,y  
Sincerely, 

Tom O’Malley 
ToToTTTTom mm mm O’O’O’O’O’O’OO’MaMaMaMaMaMaMalllllllllllllleyeyeyeyeyeyyey 
Executive Chairman 
ExExExExExEE ecececee utututtututivivivve e eee ChChChChChChChhaiaiaiaiaiaiairmrmrmrmrmrmrmananananannannnann 

Tom Nimbley 
ToToTToToToommmm m mmm NiNiNiNiNiNiiiimbmmbmbmbmbmbmbmbmbbmbmbmbbbbbmbmbmmbbblelelleleleleeeeeeeeeeeyy y y yy
Chief Executive Officer 
Chihihihihihihh efefefefefefefef EEEEEE EEEEEEEEEEEEEExexexexexeexexeeeeeexeeecucucucucucucuccucccc tititititittivvvevevvee O O OOffffffffffffffffficiciciciciciicerererererr 
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Toledo Refinery

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

FORM 10-K

(Mark one) 

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

For the fiscal year ended: December 31, 2013 

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: 001-35764 
Commission File Number: 333-186007 
Commission File Number: 333-186007-07

PBF ENERGY INC.
PBF HOLDING COMPANY LLC 
PBF FINANCE CORPORATION

(Exact name of registrant as specified in its charter) 

DELAWARE
DELAWARE
DELAWARE

(State or other jurisdiction of
incorporation or organization)

One Sylvan Way, Second Floor
Parsippany, New Jersey

(Address of principal executive offices)

Delaware

(State or other jurisdiction of
incorporation or organization)

One Sylvan Way, Second Floor
Parsippany, New Jersey

(Address of principal executive offices)

45-3763855 
27-2198168 
45-2685067

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

07054

(Zip Code)

45-3763855

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

07054

(Zip Code)

Registrants’ telephone number, including area code: (973) 455-7500
Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Class A Common Stock, $0.001 par value 

Name of Each Exchange on Which Registered

New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act: None.

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

PBF Energy Inc.

PBF Holding Company LLC

PBF Finance Corporation

  Yes    

  No

  Yes    

  No

  Yes    

  No

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

PBF Energy Inc.

PBF Holding Company LLC

PBF Finance Corporation

  Yes    

  No

  Yes    

  No

  Yes    

  No

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. 

PBF Energy Inc.

PBF Holding Company LLC

PBF Finance Corporation

  Yes    

  No

  Yes    

  No

  Yes    

  No

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be 
submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the 
registrant was required to submit and post such files). 

PBF Energy Inc.

PBF Holding Company LLC

PBF Finance Corporation

  Yes    

  No

  Yes    

  No

  Yes    

  No

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

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

Large accelerated
filer

Accelerated filer

Non-accelerated filer
(Do not check if a
smaller reporting
company)

Smaller reporting
company

PBF Energy Inc.

PBF Holding Company LLC

PBF Finance Corporation

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

PBF Energy Inc.

PBF Holding Company LLC

PBF Finance Corporation

  Yes    

  No

  Yes    

  No

  Yes    

  No

The aggregate market value of the Common Stock of PBF Energy Inc. held by non-affiliates as of June 30, 2013 was $1,024,703,335 based upon the New York 
Stock Exchange Composite Transaction closing price. 

Aggregate market value of PBF Holding Company LLC membership interests held by non-affiliates: None 
Aggregate market value of PBF Finance Corporation common stock interests held by non-affiliates: None 

As of February 20, 2014, PBF Energy Inc. had outstanding 54,665,473 shares of Class A common stock and 40 shares of Class B common stock. PBF Energy Inc. 
is the sole managing member of, and owner of an equity interest of approximately 56.4% of the outstanding economic interest in, PBF Energy Company LLC.  
PBF Energy Company LLC held 100% of the membership interests in PBF Holding Company LLC as of February 20, 2014. PBF Holding Company LLC has no 
common stock outstanding. As of February 20, 2014, PBF Finance Corporation had 100 shares of common stock outstanding, all of which were held by PBF 
Holding Company LLC. 

DOCUMENTS INCORPORATED BY REFERENCE
PBF Energy Inc. intends to file with the Securities and Exchange Commission a definitive Proxy Statement for its Annual Meeting of Stockholders within 120 
days after December 31, 2013. Portions of the Proxy Statement are incorporated by reference in Part III of this Form 10-K to the extent stated herein.

PBF ENERGY INC. AND 
PBF HOLDING COMPANY LLC

TABLE OF CONTENTS

PART I

Item 1.

Business

Item 1A. Risk Factors

Item 1B. Unresolved Staff Comments
Item 2.
Item 3.
Item 4.

Properties
Legal Proceedings
Mine Safety Disclosures

PART II

Item 5.

Market for Registrant’s Common Equity, Related Stockholder Matters, and Issuer
Purchases of Equity Securities

Item 6.
Item 7.
Item 7A. Quantitative and Qualitative Disclosures About Market Risk

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

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.
Item 13.
Item 14.

Security Ownership of Certain Beneficial Owners and Management and Related
Stockholder Matters
Certain Relationships and Related Transactions, and Director Independence
Principal Accountant Fees and Services

Item 15.
SIGNATURES

Exhibits and Financial Statement Schedules

PART IV

3

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40
40
40
40

41

44
49
81

83

83

83

84

84

84

84
85
85

86

2

PART I

This combined Annual Report on Form 10-K is filed by PBF Energy Inc. (“PBF Energy”), PBF 

Holding Company LLC (“PBF Holding”) and PBF Finance Corporation ("PBF Finance"). Each Registrant 
hereto is filing on its own behalf all of the information contained in this report that relates to such Registrant. 
Each Registrant hereto is not filing any information that does not relate to such Registrant, and therefore makes 
no representation as to any such information. PBF Energy is the sole managing member of, and owner of an 
equity interest representing approximately 40.9% of the outstanding economic interests in, PBF Energy 
Company LLC ("PBF LLC") as of December 31, 2013. PBF Holding is a wholly-owned subsidiary of PBF 
LLC and PBF Finance is a wholly-owned subsidiary of PBF Holding. PBF Holding is the parent company for 
PBF LLC's operating subsidiaries. 

PBF Holding is an indirect subsidiary of PBF Energy, representing 100% of PBF Energy’s 
consolidated revenue for the year ended December 31, 2013 and constituting 100% of PBF Energy’s revenue 
generating assets as of December 31, 2013. 

Unless the context indicates otherwise, the terms “we,” “us,” and “our” refer to both PBF Energy and 
PBF Holding and consolidated subsidiaries, including PBF LLC, PBF Investments LLC (“PBF Investments”), 
PBF Services Company LLC, PBF Power Marketing LLC, Toledo Refining Company LLC (“Toledo 
Refining”), Paulsboro Natural Gas Pipeline Company LLC, Paulsboro Refining Company LLC (“Paulsboro 
Refining”), Delaware Pipeline Company LLC, Delaware City Refining Company LLC (“Delaware City 
Refining”), Delaware City Terminaling Company LLC, PBF Logistics GP LLC, PBF Logistics LP and PBF 
Rail Logistics Company LLC. Discussions or areas of this report that either apply only to PBF Energy or PBF 
Holding are clearly noted in such sections. 

In this Annual Report on Form 10-K, we make certain forward-looking statements, including 

statements regarding our plans, strategies, objectives, expectations, intentions, and resources, under the safe 
harbor provisions of the Private Securities Litigation Reform Act of 1995. You should read our forward-looking 
statements together with our disclosures under the heading: “Cautionary Statement for the Purpose of Safe 
Harbor Provisions of the Private Securities Litigation Reform Act of 1995.” When considering forward-looking 
statements, you should keep in mind the risk factors and other cautionary statements set forth in this Annual 
Report on Form 10-K under “Risk Factors” in Item 1A.

ITEM. 1 BUSINESS 

Overview

We are one of the largest independent petroleum refiners and suppliers of unbranded transportation fuels, 
heating oil, petrochemical feedstocks, lubricants and other petroleum products in the United States. We sell our 
products throughout the Northeast and Midwest of the United States, as well as in other regions of the United States 
and Canada, and are able to ship products to other international destinations. We were formed in 2008 to pursue 
acquisitions of crude oil refineries and downstream assets in North America. We currently own and operate three 
domestic oil refineries and related assets, which we acquired in 2010 and 2011. Our refineries have a combined 
processing  capacity,  known  as  throughput,  of  approximately  540,000  bpd,  and  a  weighted-average  Nelson 
Complexity Index of 11.3. 

Our three refineries are located in Toledo, Ohio, Delaware City, Delaware and Paulsboro, New Jersey. Our 
Mid-Continent refinery at Toledo processes light, sweet crude, has a throughput capacity of 170,000 bpd and a 
Nelson Complexity Index of 9.2. The majority of Toledo’s WTI-based crude is delivered via pipelines that originate 
in both Canada and the United States. Since our acquisition of Toledo in 2011, we have added additional truck and 
rail crude unloading capabilities that provide feedstock sourcing flexibility for the refinery and enables Toledo to 
run a more cost-advantaged crude slate. Our East Coast refineries at Delaware City and Paulsboro have a combined 
refining  capacity  of  370,000  bpd  and  Nelson  Complexity  Indices  of  11.3  and  13.2,  respectively. These  high-
conversion refineries process primarily medium and heavy, sour crudes and have historically received the bulk of 
their feedstock via ships and barges on the Delaware River.

3

 
 
 
 
During 2012 and 2013, we expanded and upgraded existing on-site railroad infrastructure at our Delaware 
City refinery, including the expansion of the crude rail unloading facilities that was completed in February 2013. 
Currently, crude delivered to this facility is consumed at our Delaware City refinery. We also transport some of 
the crude delivered by rail from Delaware City via barge to our Paulsboro refinery or other third party destinations. 
The Delaware City rail unloading facility allows our East Coast refineries to source WTI based crudes from Western 
Canada and the Midcontinent, which we believe provides significant cost advantages versus traditional Brent based 
international crudes. 

PBF Energy, a Delaware corporation formed on November 7, 2011, is a holding company that manages its 
consolidated subsidiary, PBF LLC. Our sole asset is a controlling equity interest as of December 31, 2013 of 
approximately 40.9% in PBF LLC as discussed more fully in “History” below.

Available Information.

Our website address is www.pbfenergy.com. Information contained on our website is not part of this Annual 
Report  on  Form 10-K.  Our  annual  reports  on  Form 10-K,  quarterly  reports  on  Form 10-Q,  current  reports  on 
Form 8-K, and any other materials filed with (or furnished to) the Securities and Exchange Commission (SEC) by 
us are available on our website (under “Investors”) free of charge, soon after we file or furnish such material. In 
this same location, we also post our corporate governance guidelines, code of business conduct and ethics, and the 
charters of the committees of our board of directors. These documents are available free of charge in print to any 
stockholder  that  makes  a  written  request  to  the  Secretary,  PBF  Energy  Inc.,  One  Sylvan Way,  Second  Floor, 
Parsippany, New Jersey 07054.

History

PBF Energy is the sole managing member of PBF LLC. PBF Holding is a wholly-owned subsidiary of PBF 
LLC and PBF Finance is a wholly-owned subsidiary of PBF Holding. PBF Holding is the parent company for PBF 
LLC's operating subsidiaries. 

On December 18, 2012, we completed the initial public offering of 23,567,686 shares of our Class A common 
stock at an offering price of $26.00 per share. In connection with the offering, our shares of Class A common stock 
began trading on the New York Stock Exchange under the symbol “PBF”. The proceeds to us from the offering, 
before deducting underwriting discounts, were approximately $612.8 million of which we used approximately 
$571.2 million to purchase 21,967,686 PBF LLC Series A Units from our financial sponsors, funds affiliated with 
The Blackstone Group L.P. (“Blackstone”) and First Reserve Management L.P. (“First Reserve”).

Additionally, on June 12, 2013, we completed a public offering of 15,950,000 shares of our Class A common 
stock at a price of $27.00 per share, less underwriting discounts and commissions, in a secondary public offering 
(the "June 2013 Secondary Offering").  All of the shares were sold by funds affiliated with Blackstone and First 
Reserve.  In connection with this offering, Blackstone and First Reserve exchanged 15,950,000 Series A Units of 
PBF LLC for an equivalent number of shares of our Class A common stock.  The holders of PBF LLC Series B 
Units, which include certain executive officers of PBF Energy, had the right to receive a portion of the proceeds 
of the sale of the PBF Energy Class A common stock by Blackstone and First Reserve. 

As of December 31, 2013, Blackstone and First Reserve and our executive officers and directors and certain 
employees beneficially owned 57,201,674 PBF LLC Series A Units (we refer to all of the holders of the PBF LLC 
Series A Units as “the members of PBF LLC other than PBF Energy”) and we owned 39,665,473 PBF LLC Series 
C Units, and the members of PBF LLC other than PBF Energy through their holdings of Class B common stock 
have 59.1% of the voting power in us, and the holders of our issued and outstanding shares of Class A common 
stock have 40.9% of the voting power in us. As a result of the ownership of the Class B common stock and the 
PBF  LLC  Series  A  Units,  prior  to  the  January  2014  secondary  offering  discussed  below  under  "Recent 
Developments", Blackstone and First Reserve controlled us as of December 31, 2013, and we in turn, as the sole 
managing member of PBF LLC, control PBF LLC and its subsidiaries.

4

PBF Energy consolidates the financial results of PBF LLC and its subsidiaries and records a noncontrolling 
interest in its consolidated financial statements representing the economic interests of the members of PBF LLC 
other than PBF Energy. PBF LLC is PBF Energy’s predecessor for accounting purposes. Our financial statements 
and results of operations for periods prior to the completion of our initial public offering are those of PBF LLC.

See “Item 1A. Risk Factors” and “Item 13. Certain Relationships and Related Transactions, and Director 

Independence.”

The diagram below depicts our organizational structure as of December 31, 2013:

PBF LLC
Series A Units
•

Represents 59.1% of
the total economic
interest of PBF LLC
• Not publicly traded
• Not publicly traded
• No voting rights
•
•

Economic rights only 
Exchangeable on 
one-for-one basis for
shares of our Class A
common stock
PBF LLC Series A
Units held by the 
Units held by the
financial sponsors
share profits with the 
PBF LLC Series B Units

•

Public
Stockholders

Class A common stock
•

40.9% of voting power
in PBF Energy
100% of economic
interests in PBF Energy

•

Sole Managing Member and
PBF LLC Series C Units
•

Represents 40.9% of the total
economic interest of PBF LLC
• Number of PBF LLC Series C

Units held equals number of shares
of our Class A common stock
outstanding
100% management power in PBF LLC

•
• Do not share with the PBF LLC

Series B Units

ABL Revolving Credit Facility
8.25% Senior Secured Notes due 2020

Blackstone,
First Reserve
and 
Management

PBF LLC Series B Units
• Are profits interests
•

Share in varying percentages
in the profits of the financial 
sponsors
sponsors

• Held solely by our executive

officers

• No voting rights

Shares of Class B common stock
• Voting rights only
• One vote for each PBF 

LLC Series A Unit held by
such holder
59.1% of voting power in 
PBF Energy Inc.

•

PBF Energy Inc.
(NYSE: PBF)
(PBF Energy) 

PBF Energy
Company LLC
(PBF LLC)

PBF Holding
Company LLC
(PBF Holding)

Operating Subsidiaries

5

 
Recent Developments

On January 6, 2014, we completed a public offering of 15,000,000 shares of our Class A common stock at 
a price of $28.00 per share, less underwriting discounts and commissions, in a secondary public offering (the 
"January 2014 Secondary Offering").  All of the shares were sold by funds affiliated with Blackstone and First 
Reserve.  In connection with this offering, Blackstone and First Reserve exchanged 15,000,000 Series A Units of 
PBF LLC for an equivalent number of shares of our Class A common stock, which increased PBF Energy's interest 
in PBF LLC to approximately 56.4%.  The holders of PBF LLC Series B Units, which include certain executive 
officers of PBF Energy, had the right to receive a portion of the proceeds of the sale of the PBF Energy Class A 
common stock by Blackstone and First Reserve. Completion of the January 2014 Secondary Offering is estimated 
to increase our tax receivable agreement liability to $439.6 million due to the tax benefit expected to be generated 
as a result of the exchange in connection with the secondary offering and the corresponding tax benefits expected 
to be generated in future years from this transaction. 

Refining Operations

We own and operate three refineries, all located in regions with currently favorable market dynamics where 
finished product demand exceeds operating refining capacity. We produce a variety of products at each of our 
refineries,  including  gasoline,  ULSD,  heating  oil,  jet  fuel,  lubricants,  petrochemicals  and  asphalt. We  sell  our 
products throughout the Northeast and Midwest of the United States, as well as in other regions of the United 
States and Canada, and are able to ship products to other international destinations.

Delaware City Refinery

Acquisition  and  Re-Start.  Through  our  subsidiaries,  Delaware  City  Refining  and  Delaware  Pipeline 
Company LLC, we acquired the idle Delaware City refinery and its related assets, including a petroleum product 
terminal, a petroleum products pipeline and an electric generation facility, on June 1, 2010 from affiliates of Valero 
for approximately $220.0 million in cash, consisting of approximately $170.0 million for the refinery, terminal 
and pipeline assets and $50.0 million for the power plant complex located on the property. 

At the time of acquisition, we reached an agreement with the State of Delaware that provided for a five-
year  operating  permit  and  up  to  approximately  $45.0 million  of  economic  support  to  re-start  the  facility,  and 
negotiated a new long-term contract with the relevant union at the refinery. As of December 31, 2013, we had 
received $39.4 million in economic support from the State of Delaware under this agreement. We believe that the 
refinery’s ability to process lower quality crudes allows us to capture a higher margin as these lower quality crudes 
are typically priced at discounts to benchmark crudes, and to compete effectively in a region where product demand 
currently significantly exceeds refining capacity.

We restarted the Delaware City Refinery in October 2011. Since our acquisition through December 31, 
2013, we have invested more than $700.0 million in turnaround and re-start projects at Delaware City, as well as 
in the recent strategic development of crude rail unloading facilities. In May 2012, we commenced crude shipments 
via rail into a newly developed crude rail unloading facility at our Delaware City refinery.  We have expanded and 
upgraded the existing on-site railroad infrastructure, including the expansion of the crude rail unloading facilities 
which, as of  February 2013 were capable of discharging approximately 110,000 bpd, consisting of 40,000 bpd of 
heavy crude oil and 70,000 bpd of light crude oil.  However, due to greater operating efficiency, discharge capacity 
for light crude oil at our dual-loop track has increased from 70,000 bpd to approximately 105,000 bpd.  In conjunction 
with the development of our rail crude unloading facilities at Delaware City, we constructed a railcar storage yard 
with capacity for 330 railcars that is integral to railcar staging and storage and helps facilitate daily rail traffic at 
the refinery. We are also adding additional unloading spots to the dual-loop track to increase unloading capabilities 
at that facility to approximately 130,000 bpd.  Also in 2013 we commenced a third rail crude offloading project 
to add an additional 40,000 bpd of heavy crude rail unloading capability at the refinery, which is expected to be 
completed by the second half of 2014. Completion of these additional rail projects is expected to increase our 
discharge capacity of heavy crude oil from 40,000 bpd to 80,000 bpd and bring the total rail crude unloading 

6

capability  up  to  210,000  bpd  by  the  end  of  2014,  subject  to  the  delivery  of  coiled  and  insulated  railcars,  the 
development of crude rail loading infrastructure in Canada and the use of unit trains.

We have entered into agreements to lease or purchase a total of 5,900 railcars, including 4,600 coiled and 
insulated rails cars, which are capable of transporting Canadian heavy crude oils, and 1,300 general purpose cars, 
which we intend to use to transport lighter crude oils. In addition to the construction of our rail unloading facilities 
at Delaware City and the execution of our railcar procurement strategy, we also created dedicated crude-by-rail 
acquisition and rail logistics teams. These teams, staffed by PBF employees in our corporate headquarters, at the 
Delaware City refinery and in our field offices in Calgary, Alberta and Oklahoma City, Oklahoma, are responsible 
for crude procurement, logistics via rail and monitoring crude-by-rail offloading. 

Overview. The Delaware City refinery is located on a 5,000-acre site, with access to waterborne cargoes 
and an extensive distribution network of pipelines, barges and tankers, truck and rail. Delaware City is a fully 
integrated operation that receives crude via rail at the crude unloading facility, or ship or barge at its docks located 
on the Delaware River. The crude and other feedstocks are transported, via pipes, to an extensive tank farm where 
they are stored until processing. In addition, there is a 17-bay, 50,000 bpd capacity truck loading rack located 
adjacent to the refinery and a 23-mile interstate pipeline that are used to distribute clean products.

The Delaware City refinery has a throughput capacity of 190,000 bpd and a Nelson Complexity Index of 
11.3. As a result of its configuration and process units, Delaware City has the capability of processing a slate of 
heavy crudes with a high concentration of high sulfur crudes and is one of the largest and most complex refineries 
on the East Coast. The Delaware City refinery is one of two heavy crude coking refineries, the other being Paulsboro, 
on the East Coast of the United States with coking capacity equal to approximately 25% of crude capacity.

The Delaware City refinery processes a variety of medium to heavy, sour crude oils. The refinery has large 
conversion  capacity  with  its  82,000  bpd  FCC  unit,  47,000  bpd  FCU  and  18,000  bpd  hydrocracking  unit  with 
vacuum distillation. Hydrogen is provided via the refinery’s steam methane reformer and continuous catalytic 
reformer.

Delaware City Process Flow Diagram

Naphtha

Kerosene

Di
l
Diesel

Coker 
Middle 
Distillate

Crude

Crude
Distillation

Naptha

CCR

Tetra feed

Tetra
Extraction

Benzene

Hydrotreaters

ULSD

Heating Oil

Reformate

B-B
B B

ATB

Vacuum
Distillation

Light 
Cycle Oil

FCC

Gas oil

Gas oil

Gas oil

Alky

Gasoline

Butane

ISOM

Isobutane

(Sales)

P-P

Poly

Gasoline

CNHTU

Slurry

(Sales)

Gas oil

SHU
SHU

Naphtha to HDS
Naphtha to HDS

Heavy
Cycle Oil

VTB

Fluid Coker

Naphtha

Gas Oil

Hydrocracker

7

Diesel

Coke

 
The following table approximates the Delaware City refinery’s major process unit capacities. Unit 

capacities are shown in barrels per stream day.

Refinery Units
Crude Distillation Unit
Vacuum Distillation Unit
Fluid Catalytic Cracking Unit (FCC)
Hydrotreating Units
Hydrocracking Unit
Catalytic Reforming Unit (CCR)
Benzene / Toluene Extraction Unit
Butane Isomerization Unit (ISOM)
Alkylation Unit (Alky)
Polymerization Unit (Poly)
Fluid Coking Unit (FCU/ Fluid Coker)

Nameplate
Capacity

190,000
102,000
82,000
160,000
18,000
43,000
15,000
6,000
11,000
16,000
47,000

Feedstocks and Supply Arrangements. In April 2011, we entered into a crude and feedstock supply agreement 
with Statoil that expires on December 31, 2015. Pursuant to the agreement as amended in October 2012, we direct 
Statoil to purchase waterborne crude and other feedstocks for Delaware City and Statoil purchases these products 
on the spot market or through term agreements. Accordingly, Statoil enters into, on our behalf, hedging arrangements 
to protect against changes in prices between the time of purchase and the time of processing the feedstocks. In 
addition to procurement, Statoil arranges transportation and insurance for these waterborne deliveries of crude and 
feedstock supply and we pay Statoil a per barrel fee for their procurement and logistics services. Statoil generally 
holds title to the waterborne crude and feedstocks until we process the crude or feedstocks through our process 
units. We pay Statoil on a daily basis for the corresponding volume of crude or feedstocks that are consumed in 
conjunction with the refining process. This crude supply and feedstock arrangement helps us reduce the amount 
of investment we are required to maintain in crude inventories and, as a result, helps us manage our working capital.

Product Offtake. Prior to June 30, 2013, we sold the bulk of Delaware City’s clean products to MSCG 
through an offtake agreement. Under the offtake agreement, MSCG purchased 100% of our finished clean products 
at Delaware City, which included gasoline, heating oil and jet fuel, as well as our intermediates. During the term 
of the offtake agreement, we sold the remainder of our refined products directly to a variety of customers on the 
spot market or through term agreements.  Subsequent to the termination of the offtake agreement, we market and 
sell all of our refined products independently to a variety of customers on the spot market or through term agreements. 

Inventory  Intermediation  Agreement.    On  June  26,  2013,  the  Company  entered  into  an  Inventory 
Intermediation Agreement with J. Aron ("Inventory Intermediation Agreement") to support the operations of the 
Delaware City refinery, which commenced upon the termination of the product offtake agreement with MSCG. 
Pursuant to the Inventory Intermediation Agreement, J. Aron purchased all of the finished and intermediate products 
(collectively the “Products”) located at the refinery upon termination of the MSCG product offtake agreement. J. 
Aron purchases the Products produced and delivered into the refinery's storage tanks on a daily basis. J. Aron 
further agrees to sell to us on a daily basis the Products delivered out of the refinery's storage tanks. 

Tankage Capacity. The Delaware City refinery has total storage capacity of approximately 10.0 million 
barrels. Of the total, 18 tanks with approximately 3.6 million barrels of storage capacity are dedicated to crude oil 
and other feedstock storage with the remaining approximately 6.4 million barrels allocated to finished products, 
intermediates and other products.

Energy  and  Other  Utilities.  Under  normal  operating  conditions,  the  Delaware  City  refinery  consumes 
approximately 55,000 MMBTU per day of natural gas. The Delaware City refinery has a 280 MW power plant 

8

 
located on-site that consists of two natural gas-fueled turbines with combined capacity of approximately 140 MW 
and four turbo-generators with combined nameplate capacity of approximately 140 MW. Collectively, this power 
plant produces electricity in excess of Delaware City’s refinery load of approximately 90 MW. Excess electricity 
is sold into the Pennsylvania-New Jersey-Maryland, or PJM, grid. Steam is primarily produced by a combination 
of three dedicated boilers and supplemented by secondary boilers at the FCC and coker.

Paulsboro Refinery

Acquisition. We acquired the entities that owned the Paulsboro refinery (including an associated natural gas 
pipeline) on December 17, 2010, from Valero for approximately $357.7 million, excluding working capital. The 
purchase price excludes inventory purchased on our behalf by MSCG and Statoil. We invested approximately 
$60.0 million in capital in early 2011 to complete a scheduled turnaround at the refinery. 

Overview. Paulsboro has a throughput capacity of 180,000 bpd and a Nelson Complexity Index of 13.2. The 
Paulsboro refinery is located on approximately 950 acres on the Delaware River in Paulsboro, New Jersey, just 
south  of  Philadelphia  and  approximately  30  miles  away  from  Delaware  City.  Paulsboro  receives  crude  and 
feedstocks via its marine terminal on the Delaware River. Paulsboro is one of two operating refineries on the East 
Coast with coking capacity, the other being Delaware City. Major units at the Paulsboro refinery include crude 
distillation units, vacuum distillation units, an FCC unit, a delayed coking unit, a lube oil processing unit and a 
propane deasphalting unit.

The Paulsboro refinery processes a variety of medium and heavy, sour crude oils. The Paulsboro refinery 
predominantly produces gasoline, heating oil and jet fuel and also manufactures Group I base oils or lubricants. 
In addition to its finished clean products slate, Paulsboro produces asphalt and petroleum coke.

Paulsboro Refinery Process Flow Diagram

Naphtha

Reformer

Gasoline

Crude

Crude Distillation

p
Naphtha

Kerosene

Diesel

Naphtha

Gas Oil

Distillate 
Hydrotreaters

Jet Fuel

Heating Oil

LCO
LCO

Extracts

ATB

Gas  Oil

Vacuum Distillation

Lubes

Coker

DAO

VTB

Propane 
Deasphalter

Asphalt

Naphtha

Gas Oil

Coke
Coke

Asphalt

9

P-P
P P

Slurry / CSO

Gasoline

Lubes

GDU

Gasoline

Alkylation

Gasoline

FCC

B B
B-B

B-B

Isobutane

The following table approximates the Paulsboro refinery’s major process unit capacities. Unit capacities 

are shown in barrels per stream day.

Refinery Units
Crude Distillation Units
Vacuum Distillation Units
Fluid Catalytic Cracking Unit (FCC)
Hydrotreating Units
Catalytic Reforming Unit (CCR)
Alkylation Unit (Alky)
Lube Oil Processing Unit
Delayed Coking Unit (Coker)
Propane Deasphalting Unit

Nameplate
Capacity

168,000
83,000
55,000
141,000
32,000
11,000
12,000
27,000
11,000

Feedstocks and Supply Arrangements. We have a contract with Saudi Aramco pursuant to which we have 
been purchasing up to approximately 100,000 bpd of crude oil from Saudi Aramco that is processed at Paulsboro. 
The crude purchased is priced off ASCI.

In  addition,  under  a  crude  and  feedstock  supply  agreement  with  Statoil  that  was  terminated  effective 
March 31, 2013, we directed Statoil to purchase crude and other feedstocks for Paulsboro and Statoil purchased 
the crude and feedstocks on the spot market. Accordingly, Statoil entered into, on our behalf, hedging arrangements 
to protect against changes in prices between the time of purchase and the time of processing the feedstocks. In 
addition to procurement, Statoil generally arranged transportation and insurance for the crude and feedstock supply 
and we paid Statoil a per barrel fee for their procurement and logistics services. Statoil held title to the crude and 
feedstocks until we ran the crude or feedstocks through our process units. We paid Statoil on a daily basis for the 
corresponding volume of crude or feedstocks that were consumed in conjunction with the refining process.

Product Offtake. Prior to June 30, 2013, we sold the bulk of Paulsboro’s clean products to MSCG through 
our offtake agreement.  With the exception of certain jet fuel and lubricant sales, MSCG purchased 100% of our 
finished clean  products and intermediates under the offtake agreement. During the term of the offtake agreement, 
we sold the remainder of our refined products directly to a variety of customers on the spot market or through term 
agreements.  Subsequent to the termination of the offtake agreement, we market and sell all of our refined products 
independently to a variety of customers on the spot market or through term agreements. 

Inventory  Intermediation  Agreement.  On  June  26,  2013,  the  Company  entered  into  an  Inventory 
Intermediation Agreement with J. Aron to support the operations of the Paulsboro refinery, which commenced 
upon  the  termination  of  the  product  offtake  agreement  with  MSCG.  Pursuant  to  the  Inventory  Intermediation 
Agreement, J. Aron purchased all of the Products located at Paulsboro upon termination of the product offtake 
agreement. J. Aron purchases the Products produced and delivered into the refinery's storage tanks on a daily basis. 
J. Aron further agrees to sell to us on a daily basis the Products delivered out of the refinery's storage tanks. 

Tankage Capacity. The Paulsboro refinery has total storage capacity of approximately 7.5 million barrels. 
Of the total, approximately 2.1 million barrels are dedicated to crude oil storage with the remaining 5.4 million 
barrels allocated to finished products, intermediates and other products.

Energy  and  Other  Utilities.  Under  normal  operating  conditions,  the  Paulsboro  refinery  consumes 
approximately 30,000 MMBTU per day of natural gas. The Paulsboro refinery is virtually self-sufficient for its 
electrical power requirements. The refinery supplies approximately 90% of its 63 MW load through a combination 
of four generators with a nameplate capacity of 78 MW, in addition to a 30 MW gas turbine generator and two 15 
MW steam turbine generators located at the Paulsboro utility plant. In the event that Paulsboro requires additional 
electricity to operate the refinery, supplemental power is available through a local utility. Paulsboro is connected 

10

 
to the grid via three separate 69 KV aerial feeders and has the ability to run entirely on imported power. Steam is 
primarily produced by three boilers, each with continuous rated capacity of 300,000-lb/hr at 900-psi. In addition, 
Paulsboro has a heat recovery steam generator and a number of waste heat boilers throughout the refinery that 
supplement the steam generation capacity. Paulsboro’s current hydrogen needs are met by the hydrogen supply 
from  the  reformer.  In  addition,  the  refinery  employs  a  standalone  steam  methane  reformer  that  is  capable  of 
producing 10 MMSCFD of 99% pure hydrogen. This ancillary hydrogen plant is utilized as a back-up source of 
hydrogen for the refinery’s process units.

Toledo Refinery

Acquisition. Through our subsidiary, Toledo Refining, we acquired the Toledo refinery on March 1, 2011, 
from Sunoco for approximately $400.0 million, excluding working capital. We also purchased refined and certain 
intermediate products inventory for approximately $299.6 million, and MSCG purchased the refinery’s crude oil 
inventory on our behalf. Additionally, included in the terms of the sale was a five-year participation payment of up 
to $125.0 million payable to Sunoco based upon post-acquisition earnings of the refinery, of which $103.6 million 
was paid in 2012 and the balance paid in 2013. 

Overview. Toledo has a throughput capacity of approximately 170,000 bpd and a Nelson Complexity Index 
of 9.2. Toledo processes a slate of light, sweet crudes from Canada, the Midcontinent, the Bakken region and the 
U.S. Gulf Coast. Toledo produces finished products including gasoline and ULSD, in addition to a variety of high-
value petrochemicals including nonene, xylene, tetramer and toluene.

The Toledo refinery is located on a 282-acre site near Toledo, Ohio, approximately 60 miles from Detroit. 
Major units at the Toledo refinery include an FCC unit, a hydrocracker, an alkylation unit and a UDEX unit. Crude 
is delivered to the Toledo refinery through three primary pipelines: (1) Enbridge from the north, (2) Capline from 
the south and (3) Mid-Valley from the south. Crude is also delivered to a nearby terminal by rail and from local 
sources by truck to a truck unloading facility within the refinery.

Toledo Refinery Process Flow Diagram

OVHD

Frac / HDT

Light Naphtha

R
S
L

Jet

Jet Treater

Jet

Jet Drying

Jet Fuel

Crude

Crude
Distillation

Heavy Naphtha

BTX

Reformer / 
Splitter

Diesel

AGO

CT Btms

LUK /
HUK

HCC

O
C
L

l

e
u
F
r
u
o
S

Plant 2/4
FCC / GPU
FCC/GPU
Amine
Anime

e
n

i
l

o
s
a
G
6
C

/
5
C

P-P

BB

FCC Gasoline
FCC G
FCC Gasoline
FCC G

li
li

LSR

LSG

11

Propane
iC4 / nC4

Reformer

Poly
Poly

Tetramer / Nonene
Tetramer / Nonene

Clarified Slurry Oil 

Alky / DIB

Gasoline 
Gasoline

Benzene

Toluene
Xylene

Gasoline 

Gasoline 

ULSD

Propane

Iso-Butane

Normal Butane

Gasoline 

Gasoline 

 
 
 
 
The following table approximates the Toledo refinery’s major process unit capacities. Unit capacities are 

shown in barrels per stream day.

Refinery Units
Crude Distillation Unit
Fluid Catalytic Cracking Unit (FCC)
Hydrotreating Units
Hydrocracking Unit (HCC)
Catalytic Reforming Units
Alkylation Unit (Alky)
Polymerization Unit (Poly)
UDEX Unit (BTX)

Nameplate
Capacity

170,000
79,000
95,000
45,000
45,000
10,000
7,000
16,300

Feedstocks and Supply Arrangements. We have a short term crude oil acquisition agreement with MSCG 
pursuant to which we direct MSCG to purchase crude and other feedstocks for Toledo. MSCG purchases crude 
and feedstocks on the spot market. Accordingly, MSCG enters into, on our behalf, hedging arrangements to protect 
against changes in prices between the time of purchase and the time of processing the feedstocks. In addition to 
procurement, MSCG arranges transportation and insurance for the crude and feedstock supply and we pay MSCG 
a per barrel fee for their procurement and logistics services. We pay MSCG on a daily basis for the corresponding 
volume of crude or feedstocks two days after they are consumed in conjunction with the refining process. This 
arrangement helps us reduce the amount of investment we are required to maintain in crude inventories and, as a 
result, helps us manage our working capital.

Product Offtake. Toledo is connected, via pipelines, to an extensive distribution network throughout Ohio, 
Illinois, Indiana, Kentucky, Michigan, Pennsylvania and West Virginia. The finished products are transported on 
pipelines  owned  by  Sunoco  Logistics  Partners  L.P.  and  Buckeye  Partners.  In  addition,  we  have  proprietary 
connections to a variety of smaller pipelines and spurs that help us optimize our clean products distribution. A 
significant portion of Toledo’s gasoline and ULSD are distributed through the approximately 28 terminals in this 
network.

In March 2011, we entered into an agreement with Sunoco whereby Sunoco purchases gasoline and distillate 
products representing approximately one-third of the Toledo refinery’s gasoline and distillates production. The 
agreement has a three year term, subject to certain early termination rights. We sell the bulk of the petrochemicals 
produced  at  the  Toledo  refinery  through  short-term  contracts  or  on  the  spot  market  and  the  majority  of  the 
petrochemical distribution is done via rail.

Tankage Capacity. The Toledo refinery has total storage capacity of approximately 4.0 million barrels. The 
Toledo  refinery  receives  its  crude  through  pipeline  connections  and  a  truck  rack.  Of  the  total,  approximately 
0.4 million barrels are dedicated to crude oil storage with the remaining 3.6 million barrels allocated to intermediates 
and products.

Energy and Other Utilities. Under normal operating conditions, the Toledo refinery consumes approximately 
17,000 MMBTU per day of natural gas. The Toledo refinery purchases its electricity from a local utility and has 
a long-term contract to purchase hydrogen and steam from a local third party supplier. In addition to the third party 
steam supplier, Toledo consumes a portion of the steam that is generated by its various process units.

Principal Products

Our refineries make various grades of gasoline, diesel fuel, jet fuel, and other products from crude oil, other 
feedstocks, and blending components.  We sell these products through our commercial accounts, and sales with 

12

 
major oil companies.  For the years ended December 31, 2013, 2012 and 2011, gasoline and distillates accounted 
for 88.6%, 88.8% and 88.1% of our revenues, respectively. 

Customers

We sell a variety of refined products to a diverse customer base. We currently have product offtake agreements 
in place for a large portion of our clean product sales. For the year ended December 31, 2013, MSCG and Sunoco 
accounted for 29% and 10% of our revenues, respectively. The remainder of our refined products are primarily 
sold through short-term contracts or on the spot market. As of December 31, 2013,  Sunoco accounted for 10% of 
accounts receivable.

For the year ended December 31, 2012, MSCG and Sunoco accounted for 57% and 10% of the Company’s 
revenues, respectively. As of December 31, 2012, Statoil and Sunoco accounted for 28% and 10% of accounts 
receivables, respectively.

For the year ended December 31, 2011, MSCG and Sunoco accounted for 52% and 12% of the Company’s 

revenues, respectively. 

Seasonality

Demand for gasoline is generally higher during the summer months than during the winter months due to 
seasonal increases in highway traffic and construction work. Decreased demand during the winter months can 
lower gasoline prices. As a result, our operating results for the first and fourth calendar quarters may be lower than 
those for the second and third calendar quarters of each year. Refining margins remain volatile and our results of 
operations may not reflect these historical seasonal trends.

Competition

The refining business is very competitive. We compete directly with various other refining companies both 
on the East and Gulf Coasts and in the Midcontinent, with integrated oil companies, with foreign refiners that 
import products into the United States and with producers and marketers in other industries supplying alternative 
forms of energy and fuels to satisfy the requirements of industrial, commercial and individual consumers. Some 
of our competitors have expanded the capacity of their refineries and internationally new refineries are coming on 
line which could also affect our competitive position.

Profitability  in  the  refining  industry  depends  largely  on  refined  product  margins,  which  can  fluctuate 
significantly, as well as crude oil prices and differentials between the prices of different grades of crude oil, operating 
efficiency  and  reliability,  product  mix  and  costs  of  product  distribution  and  transportation.  Certain  of  our 
competitors that have larger and more complex refineries may be able to realize lower per-barrel costs or higher 
margins per barrel of throughput. Several of our principal competitors are integrated national or international oil 
companies that are larger and have substantially greater resources. Because of their integrated operations and larger 
capitalization, these companies may be more flexible in responding to volatile industry or market conditions, such 
as shortages of feedstocks or intense price fluctuations. Refining margins are frequently impacted by sharp changes 
in crude oil costs, which may not be immediately reflected in product prices.

The refining industry is highly competitive with respect to feedstock supply. Unlike certain of our competitors 
that have access to proprietary controlled sources of crude oil production available for use at their own refineries, 
we obtain substantially all of our crude oil and other feedstocks from unaffiliated sources. The availability and 
cost of crude oil is affected by global supply and demand. We have no crude oil reserves and are not engaged in 
the exploration or production of crude oil. We believe, however, that we will be able to obtain adequate crude oil 
and other feedstocks at generally competitive prices for the foreseeable future.

13

Corporate Offices

We lease approximately 53,000 square feet for our principal corporate offices in Parsippany, New Jersey. 
The lease for our principal corporate offices expires in 2016. Functions performed in the Parsipanny office include 
overall  corporate  management,  refinery  and  HSE  management,  planning  and  strategy,  corporate  finance, 
commercial  operations,  logistics,  contract  administration,  marketing,  investor  relations,  governmental  affairs, 
accounting, tax, treasury, information technology, legal and human resources support functions.

Employees

As of December 31, 2013, we had approximately 1,735 employees. At Paulsboro, 296 of our 460 employees 
are  covered  by  a  collective  bargaining  agreement  that  expires  in  March 2015.  In  addition,  678  of  our 
1,066 employees at Delaware City and Toledo are covered by a collective bargaining agreement that expires in 
February of 2015. None of our corporate employees are covered by a collective bargaining agreement. We consider 
our relations with the represented employees to be satisfactory.

Executive Officers of the Registrant

The following is a list of our executive officers as of February 20, 2014:

Name
Thomas D. O’Malley
Thomas J. Nimbley

Michael D. Gayda
Matthew C. Lucey
Jeffrey Dill
Paul Davis
Todd O'Malley

Age

Position

72 Executive Chairman of the Board of Directors
62 Chief Executive Officer
59 President
40 Senior Vice President, Chief Financial Officer
52 Senior Vice President, General Counsel
51 Vice President, Crude Oil and Feedstock
40 Vice President, Products

Thomas D. O’Malley has served as Executive Chairman of the Board of Directors of PBF Energy since its 
formation in November 2011, served as Executive Chairman of PBF LLC and its predecessors from March 2008 
to February 2013 and was our Chief Executive Officer from inception until June 2010. Mr. O’Malley has more 
than 30 years experience in the refining industry. He served as Chairman of the Board of Petroplus Holdings A.G., 
listed on the Swiss Exchange, from May 2006 until February 2011, and was Chief Executive Officer from May 
2006 until September 2007. Mr. O’Malley was Chairman of the Board and Chief Executive Officer of Premcor, a 
domestic oil refiner and Fortune 250 company listed on the NYSE, from February 2002 until December 2004, and 
continued as Chairman until its sale to Valero in August 2005. Before joining Premcor, Mr. O’Malley was Chairman 
and Chief Executive Officer of Tosco Corporation. This Fortune 100 company, listed on the NYSE, was the largest 
independent oil refiner and marketer of oil products in the United States, with annualized revenues of approximately 
$25.0 billion when it was sold to Philips Petroleum Company in September 2001.

Thomas J. Nimbley has served as our Chief Executive Officer since June 2010 and was our Executive Vice 
President, Chief Operating Officer from March 2010 through June 2010. Prior thereto, he served as a Principal for 
Nimbley Consultants LLC from June 2005 to April 2010, where he provided consulting services and assisted on 
the acquisition of two refineries. He previously served as Senior Vice President and head of Refining for Phillips 
Petroleum Company and subsequently Senior Vice President and head of Refining for ConocoPhillips domestic 
refining system (13 locations) following the merger of Phillips and Conoco. Before joining Phillips at the time of 
its acquisition of Tosco in September 2001, Mr. Nimbley served in various positions with Tosco Corporation and 
its subsidiaries starting in April 1993.

Michael D. Gayda joined us as our Executive Vice President, General Counsel and Secretary in April 2010 
and has served as our President since June 2010, and was a director of PBF LLC from inception until October 

14

 
2009. Prior thereto, from May 2006 until January 2010 Mr. Gayda served as Executive Vice President, General 
Counsel and Secretary of Petroplus. Prior to Petroplus, he served as an executive officer of Premcor until its sale 
to Valero  in August  2005  and  as  General  Counsel—Refining  for  Phillips  66  Company,  a  division  of  Phillips 
Petroleum Company, following Phillips Petroleum’s acquisition of Tosco in September 2001. Mr. Gayda previously 
served as a Vice President of certain of Tosco’s subsidiaries.

Matthew C. Lucey joined us as our Vice President, Finance in April 2008 and has served as our Senior Vice 
President, Chief Financial Officer since April 2010. Prior thereto, Mr. Lucey served as a Managing Director of 
M.E. Zukerman & Co., a New York-based private equity firm specializing in several sectors of the broader energy 
industry, from 2001 to 2008. While at M.E. Zukerman & Co., Mr. Lucey participated in all aspects of the firm’s 
energy investment activities and served on the Management Committee of Penreco, a manufacturer of specialty 
petroleum products; Cortez Pipeline Company, a 500 mile CO2 pipeline; and Venture Coke Company, a merchant 
petroleum coke calciner. Before joining M.E. Zukerman & Co., Mr. Lucey spent six years in the banking industry.

Jeffrey Dill has served as our Senior Vice President, General Counsel and Secretary since May 2010 and 
from March 2008 until September 2009. Mr. Dill served as Senior Vice President, General Counsel and Secretary 
for Maxum Petroleum, Inc., a national marketer and logistics company for petroleum products, from September 
2009 to May 2010 and as Consulting General Counsel and Secretary for NTR Acquisition Co., a special purpose 
acquisition company focused on downstream energy opportunities, from April 2007 to February 2008. Previously 
he  served  as  Vice  President,  General  Counsel  and  Secretary  at  Neurogen  Corporation,  a  drug  discovery  and 
development company, from March 2006 to December 2007. Mr. Dill has over 15 years experience providing legal 
support to refining, transportation and marketing organizations in the petroleum industry, including positions at 
Premcor, ConocoPhillips, Tosco and Unocal.

  Paul Davis joined PBF Energy in April of 2012 and was named Vice President, Crude Oil and Feedstocks 
responsible for crude oil and refinery feedstock sourcing in May 2013. Previously, Mr. Davis was responsible for 
managing the U.S. clean products commercial operations for Hess Energy Trading Company from 2006 to 2012. 
Prior to that, Mr. Davis was responsible for Premcor’s U.S. Midwest clean products disposition group. Mr. Davis 
has over 29 years of experience in commercial operations in crude oil and refined products, including 16 years 
with the ExxonMobil Corporation in various operational and commercial positions, including sourcing refinery 
feedstocks and crude oil and the disposition of refined petroleum products, as well as optimization roles within 
refineries. 

  Todd O’Malley joined PBF Energy in November 2010, with over 15 years of energy industry experience, 
and was named Vice President, Products responsible for petroleum products and power in May 2013. Mr. O’Malley 
joined PBF from the Hess Energy Trading Company where he traded petroleum products in both the United States 
and Europe from October 2008 to November 2010. Prior to that, Mr. O’Malley established a proprietary refined 
petroleum products and ethanol trading platform for an international investment bank. Previously, Mr. O’Malley 
was Vice President of Supply and Distribution of Gulf Oil in charge of petroleum products trading and optimization 
of storage and terminal assets. Prior thereto, Mr. O’Malley managed the northeast clean products commercial 
operations for Premcor. Mr. O’Malley has held similar commercial roles in other energy-focused organizations 
where he traded electricity, natural gas, grains, biofuels, crude oil and petroleum products, both physically and 
financially. 

Mr. Thomas O'Malley is the uncle of Mr. Todd O'Malley and uncle, by marriage, of Mr. Matthew Lucey.

Environmental, Health and Safety Matters

Refinery and pipeline operations are subject to federal, state and local laws regulating the discharge of matter 
into the environment or otherwise relating to human health and safety or the protection of the environment. These 
laws regulate, among other things, the generation, storage, handling, use and transportation of petroleum and other 
regulated materials, the emission and discharge of materials into the environment, waste management, remediation 
of contaminated sites, characteristics and composition of gasoline and distillates and other matters otherwise relating 
to the protection of the environment. Permits are also required under these laws for the operation of our refineries, 

15

pipelines and related operations and these permits are subject to revocation, modification and renewal. Compliance 
with applicable environmental laws, regulations and permits will continue to have an impact on our operations, 
results of operations and capital requirements. We believe that our current operations are in substantial compliance 
with existing environmental laws, regulations and permits.

Our operations and many of the products we manufacture are subject to certain specific requirements of the 
CAA, and related state and local regulations. The CAA contains provisions that require capital expenditures for 
the installation of certain air pollution control devices at our refineries. Subsequent rule making authorized by the 
CAA or similar laws or new agency interpretations of existing rules, may necessitate additional expenditures in 
future years.

Additionally, as of January 1, 2011 we are required to meet an EPA regulation limiting the average sulfur 
content in gasoline to 30 PPM. The EPA has also announced that it plans to propose new “Tier 3” motor vehicle 
emission and fuel standards. It has been reported that these new Tier 3 regulations may, among other things, lower 
the maximum average sulfur content of gasoline from 30 PPM to 10 PPM. If the Tier 3 regulations are eventually 
implemented and lower the maximum allowable content of sulfur or other constituents in fuels that we produce, 
we may at some point in the future be required to make significant capital expenditures and/or incur materially 
increased operating costs to comply with the new standards.

As of January 1, 2011, we are required to comply with the EPA’s Control of Hazardous Air Pollutants From 
Mobile Sources, or MSAT2, regulations on gasoline that impose reductions in the benzene content of our produced 
gasoline. We purchase benzene credits to meet these requirements. Our planned capital projects will reduce the 
amount of benzene credits that we need to purchase. In addition, the renewable fuel standards mandate the blending 
of prescribed percentages of renewable fuels (e.g., ethanol and biofuels) into our produced gasoline and diesel. 
These new requirements, other requirements of the CAA and other presently existing or future environmental 
regulations may cause us to make substantial capital expenditures as well as the purchase of credits at significant 
cost, to enable our refineries to produce products that meet applicable requirements.

Our operations are also subject to the federal Clean Water Act, or the CWA, the federal Safe Drinking Water 
Act, or the SDWA, and comparable state and local requirements. The CWA, the SDWA and analogous laws prohibit 
any discharge into surface waters, ground waters, injection wells and publicly-owned treatment works except in 
strict conformance with permits, such as pre-treatment permits and discharge permits, issued by federal, state and 
local governmental agencies. Federal waste-water discharge permits and analogous state waste-water discharge 
permits are issued for fixed terms and must be renewed.

We generate wastes that may be subject to the federal Resource Conservation and Recovery Act, or RCRA, 
and comparable state and local requirements. The EPA and various state agencies have limited the approved methods 
of disposal for certain hazardous and non-hazardous wastes.

The  federal  Comprehensive  Environmental  Response,  Compensation  and  Liability  Act  of  1980,  or 
CERCLA, also known as “Superfund,” imposes liability, without regard to fault or the legality of the original 
conduct, on certain classes of persons who are considered to be responsible for the release of a “hazardous substance” 
into the environment. These persons include the current or former owner or operator of the disposal site or sites 
where the release occurred and companies that disposed of or arranged for the disposal of the hazardous substances. 
Under CERCLA, such persons may be subject to joint and several liability for investigation and the costs of cleaning 
up the hazardous substances that have been released into the environment, for damages to natural resources and 
for the costs of certain health studies. As discussed more fully below, certain of our sites are subject to these laws 
and we may be held liable for investigation and remediation costs or claims for natural resource damages. It is not 
uncommon  for  neighboring  landowners  and  other  third  parties  to  file  claims  for  personal  injury  and  property 
damage allegedly caused by hazardous substances or other pollutants released into the environment. Analogous 
state laws impose similar responsibilities and liabilities on responsible parties. In our current normal operations, 
we have generated waste, some of which falls within the statutory definition of a “hazardous substance” and some 
of which may have been disposed of at sites that may require cleanup under Superfund.

16

As is the case with all companies engaged in industries similar to ours, we face potential exposure to future 
claims and lawsuits involving environmental matters. These matters include soil and water contamination, air 
pollution, personal injury and property damage allegedly caused by substances which we manufactured, handled, 
used, released or disposed of.

Current and future environmental regulations are expected to require additional expenditures, including 
expenditures for investigation and remediation, which may be significant, at our refineries and at our other facilities. 
To the extent that future expenditures for these purposes are material and can be reasonably determined, these costs 
are disclosed and accrued.

Our operations are also subject to various laws and regulations relating to occupational health and safety. 
We maintain safety training and maintenance programs as part of our ongoing efforts to ensure compliance with 
applicable laws and regulations. Compliance with applicable health and safety laws and regulations has required 
and continues to require substantial expenditures.

In connection with each of our acquisitions, we assumed certain environmental remediation obligations. In 
the case of Paulsboro, a trust fund established to meet state financial assurance requirements, in the amount of 
approximately $12.1 million, the estimated cost of the remediation obligations assumed based on investigation 
undertaken as of the acquisition date, was acquired as part of the acquisition. The short term portion of the trust 
fund and corresponding liability are recorded as restricted cash and accrued expenses, the long term portion is 
recorded in other assets and other long-term liabilities. In connection with the acquisition of Delaware City, the 
prior owners remain responsible subject to certain limitations, for certain environmental obligations including 
ongoing remediation of soil and groundwater contamination at the site. Further, in connection with the Delaware 
City and Paulsboro acquisitions, we purchased two individual ten-year, $75.0 million environmental insurance 
policies to insure against unknown environmental liabilities at each refinery. In connection with the acquisition of 
Toledo, the seller, subject to certain limitations, initially retains remediation obligations which will transition to 
us over a 20-year period. However, there can be no assurance that any available indemnity, trust fund or insurance 
will be sufficient to cover any ultimate environmental liabilities we may incur with respect to our refineries, which 
could be significant.

We cannot predict what additional health, safety and environmental legislation or regulations will be enacted 
or become effective in the future or how existing or future laws or regulations will be administered or interpreted 
with respect to our operations. Compliance with more stringent laws or regulations or adverse changes in the 
interpretation of existing requirements or discovery of new information such as unknown contamination could 
have an adverse effect on the financial position and the results of our operations and could require substantial 
expenditures for the installation and operation of systems and equipment that we do not currently possess.

GLOSSARY OF SELECTED TERMS

Unless otherwise noted or indicated by context, the following terms used in this Annual Report on Form 10-

K have the following meanings:

“ASCI” refers to the Argus Sour Crude Index, a pricing index used to approximate market prices for sour, 

heavy crude oil.

“Bakken” refers to both a crude oil production region generally covering North Dakota, Montana and 

Western Canada, and the crude oil that is produced in that region.

“barrel” refers to a common unit of measure in the oil industry, which equates to 42 gallons.

“blendstocks” refers to various compounds that are combined with gasoline or diesel from the crude oil 
refining process to make finished gasoline and diesel; these may include natural gasoline, FCC unit gasoline, 
ethanol, reformate or butane, among others.

“bpd” refers to an abbreviation for barrels per day.

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"CAA" refers to the Clean Air Act.

“CAPP” refers to the Canadian Association of Petroleum Producers.

“catalyst” refers to a substance that alters, accelerates, or instigates chemical changes, but is not produced 

as a product of the refining process.

“coke” refers to a coal-like substance that is produced from heavier crude oil fractions during the refining 

process.

“complexity” refers to the number, type and capacity of processing units at a refinery, measured by the 
Nelson Complexity Index, which is often used as a measure of a refinery’s ability to process lower quality crude 
in an economic manner.

“crack spread” refers to a simplified calculation that measures the difference between the price for light 
products and crude oil. For example, we reference (a) the 2-1-1 crack spread, which is a general industry standard 
that approximates the per barrel refining margin resulting from processing two barrels of crude oil to produce one 
barrel of gasoline and one barrel of heating oil or ULSD, and (b) the 4-3-1 crack spread, which is a benchmark 
utilized by our Toledo refinery that approximates the per barrel refining margin resulting from processing four 
barrels of crude oil to produce three barrels of gasoline and one-half barrel of jet fuel and one-half barrel of ULSD.

“Dated Brent” refers to Brent blend oil, a light, sweet North Sea crude oil, characterized by an API gravity 
of 38° and a sulfur content of approximately 0.4 weight percent that is used as a benchmark for other crude oils.

“distillates” refers primarily to diesel, heating oil, kerosene and jet fuel.

“downstream” refers to the downstream sector of the energy industry generally describing oil refineries, 
marketing and distribution companies that refine crude oil and sell and distribute refined products. The opposite 
of the downstream sector is the upstream sector, which refers to exploration and production companies that search 
for and/or produce crude oil and natural gas underground or through drilling or exploratory wells.

“EPA” refers to the United States Environmental Protection Agency.

“ethanol” refers to a clear, colorless, flammable oxygenated liquid. Ethanol is typically produced chemically 
from ethylene, or biologically from fermentation of various sugars from carbohydrates found in agricultural crops 
and cellulosic residues from crops or wood. It is used in the United States as a gasoline octane enhancer and 
oxygenate.

“feedstocks” refers to crude oil and partially refined petroleum products that are processed and blended 

into refined products.

“FCC” refers to fluid catalytic cracking.

“FCU” refers to fluid coking unit.

“GHG” refers to greenhouse gas.

“Group I base oils or lubricants” refers to conventionally refined products characterized by a sulfur content 
less than 0.03% with a viscosity index between 80 and 120. Typically, these products are used in a variety of 
automotive and industrial applications.

“heavy crude oil” refers to a relatively inexpensive crude oil with a low API gravity characterized by high 
relative density and viscosity. Heavy crude oils require greater levels of processing to produce high value products 
such as gasoline and diesel.

“IPO” refers to the initial public offering of PBF Energy’s Class A common stock which closed on December 

18, 2012.

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"J.Aron" refers to J. Aron & Company, a subsidiary of The Goldman Sachs Group, Inc.

“KV” refers to Kilovolts.

“light crude oil” refers to a relatively expensive crude oil with a high API gravity characterized by low 
relative density and viscosity. Light crude oils require lower levels of processing to produce high value products 
such as gasoline and diesel.

“light products” refers to the group of refined products with lower boiling temperatures, including gasoline 

and distillates.

“light-heavy differential” refers to the price difference between light crude oil and heavy crude oil.

“LPG” refers to liquefied petroleum gas.

“Maya” refers to Maya crude oil, a heavy, sour crude oil characterized by an API gravity of approximately 
22° and a sulfur content of approximately 3.3 weight percent that is used as a benchmark for other heavy crude 
oils.

“MLP” refers to master limited partnership.

“MMbbls” refers to an abbreviation for million barrels.

“MMBTU” refers to million British thermal units.

“MMSCFD” refers to million standard cubic feet per day.

“MSCG” refers to Morgan Stanley Capital Group Inc.

“MW” refers to Megawatt.

“Nelson  Complexity  Index”  refers  to  the  complexity  of  an  oil  refinery  as  measured  by  the  Nelson 
Complexity Index, which is calculated on an annual basis by the Oil and Gas Journal. The Nelson Complexity 
Index assigns a complexity factor to each major piece of refinery equipment based on its complexity and cost in 
comparison to crude distillation, which is assigned a complexity factor of 1.0. The complexity of each piece of 
refinery equipment is then calculated by multiplying its complexity factor by its throughput ratio as a percentage 
of crude distillation capacity. Adding up the complexity values assigned to each piece of equipment, including 
crude distillation, determines a refinery’s complexity on the Nelson Complexity Index. A refinery with a complexity 
of 10.0 on the Nelson Complexity Index is considered ten times more complex than crude distillation for the same 
amount of throughput.

“NYH” refers to the New York Harbor market value of petroleum products.

“Platts” refers to Platts, a division of The McGraw-Hill Companies.

“PPM” refers to parts per million.

"RINS" refers to renewable fuel credits required for compliance with the Renewable Fuels Standard.

“refined products” refers to petroleum products, such as gasoline, diesel and jet fuel, that are produced by 

a refinery.

“sour crude oil” refers to a crude oil that is relatively high in sulfur content, requiring additional processing 

to remove the sulfur. Sour crude oil is typically less expensive than sweet crude oil.

“Sunoco” refers to Sunoco, Inc. (R&M).

19

“sweet crude oil” refers to a crude oil that is relatively low in sulfur content, requiring less processing to 

remove the sulfur than sour crude oil. Sweet crude oil is typically more expensive than sour crude oil.

“Syncrude” refers to a blend of Canadian synthetic oil, a light, sweet crude oil, typically characterized by 

an API gravity between 30° and 32° and a sulfur content of approximately 0.1-0.2 weight percent.

“throughput” refers to the volume processed through a unit or refinery.

“turnaround” refers to a periodically required shutdown and comprehensive maintenance event to refurbish 
and maintain a refinery unit or units that involves the inspection of such units and occurs generally on a periodic 
cycle.

“ULSD” refers to ultra-low-sulfur diesel.

“WCS” refers to Western Canadian Select, a heavy, sour crude oil blend typically characterized by an API 
gravity between 20° and 22° and a sulfur content of approximately 3.5 weight percent that is used as a benchmark 
for heavy Western Canadian crude oil.

“WTI” refers to West Texas Intermediate crude oil, a light, sweet crude oil, typically characterized by an 
API  gravity  between  38°  and  40°  and  a  sulfur  content  of  approximately  0.3  weight  percent  that  is  used  as  a 
benchmark for other crude oils.

“WTS” refers to West Texas Sour crude oil, a sour crude oil characterized by an API gravity between 30° 
and 33° and a sulfur content of approximately 1.28 weight percent that is used as a benchmark for other sour crude 
oils.

“yield” refers to the percentage of refined products that is produced from crude oil and other feedstocks.

ITEM 1A. RISK FACTORS

Risks Relating to Our Business and Industry

You should carefully read the risks and uncertainties described below. The risks and uncertainties described 
below are not the only ones facing our company. Additional risks and uncertainties may also impair our business 
operations. If any of the following risks actually occur, our business, financial condition, results of operations or 
cash flows would likely suffer. In that case, the trading price of our Class A common stock could fall.

We have incurred losses in the past and may incur losses in the future. If we incur losses over an extended 
period of time, the value of our Class A common stock could decline.

We experienced losses during our time as a development company and certain periods thereafter. We may 
not be profitable in future periods. A lack of profitability could adversely affect the price of our Class A common 
stock. We may not continue to remain profitable, which could impair our ability to complete future financings and 
have a material adverse effect on our business.

Our limited operating history makes it difficult to evaluate our current business and future prospects. If we 
are unsuccessful in executing our business model, our business and operating results will be adversely 
affected. 

We were formed in March 2008, we acquired our first oil refinery in June 2010 in an idle state and we 
acquired our first operating asset in December 2010. Therefore, we have a limited operating history and track 
record in executing our business model. Our future success depends on our ability to execute our business strategy 
effectively. Our limited operating history may make it difficult to evaluate our current business and future prospects. 
We may not be successful in operating any of our refineries or any other properties we may acquire in the future. 
In addition, we have encountered and will continue to encounter risks and difficulties frequently experienced by 

20

new companies, and specifically companies in the oil refining industry. If we do not manage these risks successfully, 
our business, results of operations and financial condition will be adversely affected.

The price volatility of crude oil, other feedstocks, blendstocks, refined products and fuel and utility services 
may have a material adverse effect on our revenues, profitability, cash flows and liquidity.

Our revenues, profitability, cash flows and liquidity from operations depend primarily on the margin above 
operating expenses (including the cost of refinery feedstocks, such as crude oil, intermediate partially refined 
petroleum products, and natural gas liquids that are processed and blended into refined products) at which we are 
able to sell refined products. Refining is primarily a margin-based business and, to increase profitability, it is 
important to maximize the yields of high value finished products while minimizing the costs of feedstock and 
operating  expenses. When  the  margin  between  refined  product  prices  and  crude  oil  and  other  feedstock  costs 
contracts, our earnings, profitability and cash flows are negatively affected. Refining margins historically have 
been volatile, and are likely to continue to be volatile, as a result of a variety of factors, including fluctuations in 
the prices of crude oil, other feedstocks, refined products and fuel and utility services. An increase or decrease in 
the price of crude oil will likely result in a similar increase or decrease in prices for refined products; however, 
there may be a time lag in the realization, or no such realization, of the similar increase or decrease in prices for 
refined products. The effect of changes in crude oil prices on our refining margins therefore depends in part on 
how quickly and how fully refined product prices adjust to reflect these changes.

In addition, the nature of our business requires us to maintain substantial crude oil, feedstock and refined 
product inventories. Because crude oil, feedstock and refined products are commodities, we have no control over 
the changing market value of these inventories. Our crude oil, feedstock and refined product inventories are valued 
at the lower of cost or market value under the last-in-first-out (“LIFO”) inventory valuation methodology. If the 
market value of our crude oil, feedstock and refined product inventories were to decline to an amount less than 
our LIFO cost, we would record a write-down of inventory and a non-cash charge to cost of sales.

Prices of crude oil, other feedstocks, blendstocks, and refined products depend on numerous factors beyond 
our control, including the supply of and demand for crude oil, other feedstocks, gasoline, diesel, ethanol, asphalt 
and other refined products. Such supply and demand are affected by a variety of economic, market, environmental 
and political conditions.

Our direct operating expense structure also impacts our profitability. Our major direct operating expenses 
include employee and contract labor, maintenance and energy. Our predominant variable direct operating cost is 
energy, which is comprised primarily of fuel and other utility services. The volatility in costs of fuel, principally 
natural gas, and other utility services, principally electricity, used by our refineries and other operations affect our 
operating costs. Fuel and utility prices have been, and will continue to be, affected by factors outside our control, 
such as supply and demand for fuel and utility services in both local and regional markets. Natural gas prices have 
historically been volatile and, typically, electricity prices fluctuate with natural gas prices. Future increases in fuel 
and utility prices may have a negative effect on our revenues, profitability and cash flows.

Our historical financial statements may not be helpful in predicting our future performance.

We have grown rapidly since our inception and have not owned or operated our refineries for a substantial 
period of time. Accordingly, our historical financial information may not be useful either as a means of understanding 
our  current  financial  situation  or  as  an  indicator  of  our  future  results.  For  the  period  from  March 1,  2008  to 
December 16, 2010, we were considered to be in the development stage. Our historical financial information for 
that period reflects our activities principally in connection with identifying acquisition opportunities; acquiring 
the Delaware City refinery assets and commencing a reconfiguration of the refinery; and acquiring the Paulsboro 
refinery. As a result of the Paulsboro and Toledo acquisitions, our historical consolidated financial results include 
the  results  of  operations  for  Paulsboro  and  Toledo  from  December 17,  2010  and  March 1,  2011  forward, 
respectively. Certain information in our financial statements and certain other financial data included in this Annual 
Report on Form 10-K are based in part on financial data related to, and the operations of, those companies that 
previously owned and operated our refineries. For example, at the time of its acquisition, Paulsboro represented 
the major portion of our business and assets. As has been the case in our acquisitions to date, it is likely that, when 

21

we acquire refineries, we will not have access to the type of historical financial information that we will report 
regarding the prior operation of the refineries. As a result, it may be difficult for investors to evaluate the probable 
impact of major acquisitions on our financial performance until we have operated the acquired refineries for a 
substantial period of time.

Our profitability is affected by crude oil differentials, which fluctuate substantially.

A  significant  portion  of  our  profitability  is  derived  from  the  ability  to  purchase  and  process  crude  oil 
feedstocks  that  historically  have  been  cheaper  than  benchmark  crude  oils,  such  as  the  heavy,  sour  crude  oils 
processed at our Delaware City and Paulsboro refineries and the WTI based crude oils processed at our Toledo 
refinery and delivered by rail to our East Coast refineries. These crude oil differentials vary significantly from 
quarter to quarter depending on overall economic conditions and trends and conditions within the markets for crude 
oil and refined products. Any change in these crude oil differentials may have an impact on our earnings. Our rail 
investment and strategy to acquire cost advantaged Midcontinent and Canadian crude, which are priced based on 
WTI, could be adversely affected if the WTI-Brent differential narrows. For example, the WTI/WCS differential, 
a proxy for the difference between light U.S. and heavy Canadian crudes, has increased from $21.80 per barrel in 
2012 to $24.62 per barrel for the year ended December 31, 2013, however, this increase may not be indicative of 
the differential going forward. Conversely, a narrowing of the light-heavy differential may reduce our refining 
margins and adversely affect our recent profitability and earnings. In addition, while our Toledo refinery benefits 
from a widening of the Dated Brent/WTI differential, a narrowing of this differential may result in our Toledo 
refinery losing a portion of its crude price advantage over certain of our competitors, which negatively impacts 
our profitability. This applies as well to our East Coast strategy of delivering crude by rail. Divergent views have 
been expressed as to the expected magnitude of changes to these crude differentials in future periods, including 
some  analysts  that  expect  these  crude  differentials  to  contract  in  upcoming  periods. Any  narrowing  of  these 
differentials could have a material adverse effect on our business and profitability.

Our recent historical earnings have been concentrated and may continue to be concentrated in the future.

Our three refineries have similar throughput capacity, however, favorable market conditions due to, among 
other things, geographic location, crude and refined product slates, and customer demand, may cause an individual 
refinery to contribute more significantly to our earnings than others for a period of time. For example, our Toledo, 
Ohio refinery has produced a substantial portion of our earnings over the past several quarters. As a result, if there 
were a significant disruption to operations at this refinery, our earnings could be materially adversely affected (to 
the  extent  not  recoverable  through  insurance)  disproportionally  to  Toledo’s  portion  of  our  consolidated 
throughput. The Toledo refinery, or one of our other refineries, may continue to disproportionally affect our results 
of operations in the future. Any prolonged disruption to the operations of such refinery, whether due to labor 
difficulties, destruction of or damage to such facilities, severe weather conditions, interruption of utilities service 
or other reasons, could have a material adverse effect on our business, results of operations or financial condition.

A significant interruption or casualty loss at any of our refineries and related assets could reduce our production, 
particularly  if  not  fully  covered  by  our  insurance.  Failure  by  one  or  more  insurers  to  honor  its  coverage 
commitments for an insured event could materially and adversely affect our future cash flows, operating results 
and financial condition.

Our business currently consists of owning and operating three refineries and related assets. As a result, our 
operations could be subject to significant interruption if any of our refineries were to experience a major accident, 
be damaged by severe weather or other natural disaster, or otherwise be forced to shut down or curtail production 
due to unforeseen events, such as acts of God, nature, orders of governmental authorities, supply chain disruptions 
impacting our crude rail facilities or other logistical assets, power outages, acts of terrorism, fires, toxic emissions 
and maritime hazards. Any such shutdown or disruption would reduce the production from that refinery. There is 
also risk of mechanical failure and equipment shutdowns both general and following unforeseen events. Further, 
in such situations, undamaged refinery processing units may be dependent on or interact with damaged sections 
of our refineries and, accordingly, are also subject to being shut down. In the event any of our refineries is forced 

22

to shut down for a significant period of time, it would have a material adverse effect on our earnings, our other 
results of operations and our financial condition as a whole.

As protection against these hazards, we maintain insurance coverage against some, but not all, such potential 
losses and liabilities. We may not be able to maintain or obtain insurance of the type and amount we desire at 
reasonable rates. As a result of market conditions, premiums and deductibles for certain of our insurance policies 
may increase substantially. In some instances, certain insurance could become unavailable or available only for 
reduced  amounts  of  coverage.  For  example,  coverage  for  hurricane  damage  can  be  limited,  and  coverage  for 
terrorism risks can include broad exclusions. If we were to incur a significant liability for which we were not fully 
insured, it could have a material adverse effect on our financial position.

Our insurance program includes a number of insurance carriers. Significant disruptions in financial markets 
could lead to a deterioration in the financial condition of many financial institutions, including insurance companies 
and, therefore, we may not be able to obtain the full amount of our insurance coverage for insured events.

Our refineries are subject to interruptions of supply and distribution as a result of our reliance on pipelines 
and railroads for transportation of crude oil and refined products.

During 2012 and 2013, we expanded and upgraded existing on-site railroad infrastructure at our Delaware 
City refinery, which significantly increased our capacity to unload crude by rail. Currently, the majority of the 
crude delivered to this facility is consumed at our Delaware City refinery, although we also transport some of the 
crude delivered by rail from Delaware City via barge to our Paulsboro refinery. The Delaware City rail unloading 
facilities allow our East Coast refineries to source WTI based crudes from Western Canada and the Midcontinent, 
which can provide significant cost advantages versus traditional Brent based international crudes. Any disruptions 
or restrictions to our supply of crude by rail due to problems with third party logistics infrastructure or operations 
or as a result of increased regulations, could increase our crude costs and negatively impact our results of operations 
and cash flows. 

Our Toledo refinery receives a substantial portion of its crude oil and delivers a portion of its refined products 
through pipelines. The Enbridge system is our primary supply route for crude oil from Canada, the Bakken region 
and Michigan, and supplies approximately 55% to 60% of the crude oil used at our Toledo refinery. In addition, 
we source domestic crude oil through our connections to the Capline and Mid-Valley pipelines. We also distribute 
a portion of our transportation fuels through pipelines owned and operated by Sunoco Logistics Partners L.P. and 
Buckeye Partners L.P. We could experience an interruption of supply or delivery, or an increased cost of receiving 
crude oil and delivering refined products to market, if the ability of these pipelines to transport crude oil or refined 
products is disrupted because of accidents, weather interruptions, governmental regulation, terrorism, other third 
party action or casualty or other of events.

In addition, due to the common carrier regulatory obligation applicable to interstate oil pipelines, capacity 
is prorated among shippers in accordance with the tariff then in effect in the event there are nominations in excess 
of capacity. Therefore, nominations by new shippers or increased nominations by existing shippers may reduce 
the capacity available to us. Any prolonged interruption in the operation or curtailment of available capacity of 
the pipelines that we rely upon for transportation of crude oil and refined products could have a further material 
adverse effect on our business, financial condition, results of operations and cash flows.

We may have capital needs for which our internally generated cash flows and other sources of liquidity may 
not be adequate. 

If we cannot generate sufficient cash flows or otherwise secure sufficient liquidity to support our short-term 
and  long-term  capital  requirements,  we  may  not  be  able  to  meet  our  payment  obligations  or  our  future  debt 
obligations,  comply  with  certain  deadlines  related  to  environmental  regulations  and  standards,  or  pursue  our 
business strategies, including acquisitions, in which case our operations may not perform as we currently expect. 
We have substantial short-term capital needs and may have substantial long term capital needs. Our short-term 
working capital needs are primarily related to financing certain of our refined products inventory not covered by 

23

our various supply and Inventory Intermediation Agreements. We terminated our supply agreement with Statoil 
for our Paulsboro refinery effective March 31, 2013 and our MSCG Offtake Agreements for our Paulsboro and 
Delaware City refineries effective July 1, 2013. Concurrent with the termination of our MSCG Offtake Agreements, 
we entered into Inventory Intermediation Agreements with J. Aron at our Paulsboro and Delaware City refineries. 
Pursuant to the Inventory Intermediation Agreements, J. Aron purchases and holds title to all of the intermediate 
and finished products produced by the Delaware City and Paulsboro refineries and delivered into the tanks at the 
refineries (or at other locations outside of the refineries as agreed upon by both parties). Furthermore, J. Aron 
agrees to sell the intermediate and finished products back to us as they are discharged out of the refineries' tanks 
(or other locations outside of the refineries as agreed upon by both parties). We market and sell the finished products 
independently to third parties. 

If we cannot adequately handle our crude oil and feedstock requirements without the benefit of the Statoil 
arrangement at Paulsboro, or if we are required to obtain our crude oil supply at our other refineries without the 
benefit of the existing supply arrangements or the applicable counterparty defaults in its obligations, our crude oil 
pricing costs may increase as the number of days between when we pay for the crude oil and when the crude oil 
is delivered to us increases. Termination of our Inventory Intermediation Agreements with J. Aron would require 
us to finance our refined products inventory covered by the agreements at terms that may not be as favorable. 
Additionally, we are obligated to repurchase from J. Aron all volumes of products located at the refineries’ storage 
tanks (or at other locations outside of the refineries as agreed upon by both parties) upon termination of these 
agreements, which may have a material adverse impact on our working capital and financial condition. Further, if 
we are not able to market and sell our finished products to credit worthy customers, we may be subject to delays 
in the collection of our accounts receivable and exposure to additional credit risk. Such increased exposure could 
negatively impact our liquidity due to our increased working capital needs as a result of the increase in the amount 
of crude oil inventory and accounts receivable we would have to carry on our balance sheet. Our long-term needs 
for cash include those to support ongoing capital expenditures for equipment maintenance and upgrades during 
turnarounds at our refineries and to complete our routine and normally scheduled maintenance, regulatory and 
security expenditures. 

In addition, from time to time, we are required to spend significant amounts for repairs when one or more 
processing units experiences temporary shutdowns. We continue to utilize significant capital to upgrade equipment, 
improve  facilities,  and  reduce  operational,  safety  and  environmental  risks.  In  connection  with  the  Paulsboro 
acquisition,  we  assumed  certain  significant  environmental  obligations,  and  may  similarly  do  so  in  future 
acquisitions. We will likely incur substantial compliance costs in connection with new or changing environmental, 
health and safety regulations. See “Item 7. Management’s Discussion and Analysis of Financial Condition.” Our 
liquidity will affect our ability to satisfy any of these needs or obligations. 

We may not be able to obtain funding on acceptable terms or at all because of volatility and uncertainty in the 
credit and capital markets. This may hinder or prevent us from meeting our future capital needs.

Global financial markets and economic conditions have been, and continue to be, disrupted and volatile due 
to a variety of factors, including uncertainty in the financial services sector, low consumer confidence, continued 
high unemployment, geopolitical issues and the current weak economic conditions. In addition, the fixed income 
markets have experienced periods of extreme volatility that have negatively impacted market liquidity conditions. 
As a result, the cost of raising money in the debt and equity capital markets has increased substantially at times 
while the availability of funds from those markets diminished significantly. In particular, as a result of concerns 
about the stability of financial markets generally and the solvency of lending counterparties specifically, the cost 
of obtaining money from the credit markets may increase as many lenders and institutional investors increase 
interest rates, enact tighter lending standards, refuse to refinance existing debt on similar terms or at all and reduce 
or, in some cases, cease to provide funding to borrowers. Due to these factors, we cannot be certain that new debt 
or equity financing will be available on acceptable terms. If funding is not available when needed, or is available 
only on unfavorable terms, we may be unable to meet our obligations as they come due. Moreover, without adequate 
funding, we may be unable to execute our growth strategy, complete future acquisitions, take advantage of other 

24

business opportunities or respond to competitive pressures, any of which could have a material adverse effect on 
our revenues and results of operations.

Competition from companies who produce their own supply of feedstocks, have extensive retail outlets, make 
alternative fuels or have greater financial and other resources than we do could materially and adversely affect 
our business and results of operations.

Our refining operations compete with domestic refiners and marketers in regions of the United States in 
which we operate, as well as with domestic refiners in other regions and foreign refiners that import products into 
the United States. In addition, we compete with other refiners, producers and marketers in other industries that 
supply their own renewable fuels or alternative forms of energy and fuels to satisfy the requirements of our industrial, 
commercial and individual consumers. Certain of our competitors have larger and more complex refineries, and 
may be able to realize lower per-barrel costs or higher margins per barrel of throughput. Several of our principal 
competitors are integrated national or international oil companies that are larger and have substantially greater 
resources than we do and access to proprietary sources of controlled crude oil production. Unlike these competitors, 
we  obtain  substantially  all  of  our  feedstocks  from  unaffiliated  sources. We  are  not  engaged  in  the  petroleum 
exploration and production business and therefore do not produce any of our crude oil feedstocks. We do not have 
a retail business and therefore are dependent upon others for outlets for our refined products. Because of their 
integrated operations and larger capitalization, these companies may be more flexible in responding to volatile 
industry  or  market  conditions,  such  as  shortages  of  crude  oil  supply  and  other  feedstocks  or  intense  price 
fluctuations.

Newer  or  upgraded  refineries  will  often  be  more  efficient  than  our  refineries,  which  may  put  us  at  a 
competitive disadvantage. We have taken significant measures to maintain our refineries including the installation 
of new equipment and redesigning older equipment to improve our operations. However, these actions involve 
significant uncertainties, since upgraded equipment may not perform at expected throughput levels, the yield and 
product quality of new equipment may differ from design specifications and modifications may be needed to correct 
equipment that does not perform as expected. Any of these risks associated with new equipment, redesigned older 
equipment or repaired equipment could lead to lower revenues or higher costs or otherwise have an adverse effect 
on future results of operations and financial condition. Over time, our refineries may become obsolete, or be unable 
to compete, because of the construction of new, more efficient facilities by our competitors.

Any political instability, military strikes, sustained military campaigns, terrorist activity, or changes in foreign 
policy could have a material adverse effect on our business, results of operations and financial condition.

Any  political  instability,  military  strikes,  sustained  military  campaigns,  terrorist  activity,  or  changes  in 
foreign policy in areas or regions of the world where we acquire crude oil and other raw materials or sell our refined 
petroleum  products  may  affect  our  business  in  unpredictable  ways,  including  forcing  us  to  increase  security 
measures and causing disruptions of supplies and distribution markets. We may also be subject to United States 
trade and economic sanctions laws, which change frequently as a result of foreign policy developments, and which 
may necessitate changes to our crude oil acquisition activities. Further, like other industrial companies, our facilities 
may be the target of terrorist activities. Any act of war or terrorism that resulted in damage to any of our refineries 
or third-party facilities upon which we are dependent for our business operations could have a material adverse 
effect on our business, results of operations and financial condition.

Continued economic turmoil in the global financial system has had and may continue to have an adverse impact 
on the refining industry.

Our business and profitability are affected by the overall level of demand for our products, which in turn is 
affected by factors such as overall levels of economic activity and business and consumer confidence and spending. 
Declines in global economic activity and consumer and business confidence and spending during the recent global 
downturn have significantly reduced the level of demand for our products. Reduced demand for our products has 
had and may continue to have an adverse impact on our business, financial condition, results of operations and 
cash flows. In addition, continued downturns in the economy impact the demand for refined fuels and, in turn, 

25

result  in  excess  refining  capacity.  Refining  margins  are  impacted  by  changes  in  domestic  and  global  refining 
capacity, as increases in refining capacity can adversely impact refining margins, earnings and cash flows.

Our business is indirectly exposed to risks faced by our suppliers, customers and other business partners. 
The impact on these constituencies of the risks posed by the continued economic turmoil in the global financial 
system have included or could include interruptions or delays in the performance by counterparties to our contracts, 
reductions and delays in customer purchases, delays in or the inability of customers to obtain financing to purchase 
our products and the inability of customers to pay for our products. Any of these events may have an adverse impact 
on our business, financial condition, results of operations and cash flows.

The geographic concentration of our East Coast refineries creates a significant exposure to the risks of the 
local economy and other local adverse conditions.

Our East Coast refineries are both located in the mid-Atlantic region on the East Coast and therefore are 
vulnerable to economic downturns in that region. These refineries are located within a relatively limited geographic 
area and we primarily market our refined products in that area. As a result, we are more susceptible to regional 
conditions  than  the  operations  of  more  geographically  diversified  competitors  and  any  unforeseen  events  or 
circumstances that affect the area could also materially adversely affect our revenues and profitability. These factors 
include, among other things, changes in the economy, damages to infrastructure, weather conditions, demographics 
and population.

We  must  make  substantial  capital  expenditures  on  our  operating  facilities  to  maintain  their  reliability  and 
efficiency. If we are unable to complete capital projects at their expected costs and/or in a timely manner, or if 
the  market  conditions  assumed  in  our  project  economics  deteriorate,  our  financial  condition,  results  of 
operations or cash flows could be materially and adversely affected.

Delays  or  cost  increases  related  to  capital  spending  programs  involving  engineering,  procurement  and 
construction of new facilities (or improvements and repairs to our existing facilities and equipment) could adversely 
affect our ability to achieve targeted internal rates of return and operating results. Such delays or cost increases 
may arise as a result of unpredictable factors in the marketplace, many of which are beyond our control, including:

•  denial or delay in issuing regulatory approvals and/or permits;
•  unplanned increases in the cost of construction materials or labor;
•  disruptions in transportation of modular components and/or construction materials;
• 

severe  adverse  weather  conditions,  natural  disasters  or  other  events  (such  as  equipment  malfunctions, 
explosions, fires or spills) affecting our facilities, or those of vendors and suppliers;
shortages of sufficiently skilled labor, or labor disagreements resulting in unplanned work stoppages;

• 
•  market-related increases in a project’s debt or equity financing costs; and/or
•  non-performance or force majeure by, or disputes with, vendors, suppliers, contractors or sub-contractors 

involved with a project.

Our refineries contain many processing units, a number of which have been in operation for many years. 
Equipment,  even  if  properly  maintained,  may  require  significant  capital  expenditures  and  expenses  to  keep  it 
operating at optimum efficiency. One or more of the units may require unscheduled downtime for unanticipated 
maintenance  or  repairs  that  are  more  frequent  than  our  scheduled  turnarounds  for  such  units.  Scheduled  and 
unscheduled maintenance could reduce our revenues during the period of time that the units are not operating.

Our forecasted internal rates of return are also based upon our projections of future market fundamentals, 
which are not within our control, including changes in general economic conditions, available alternative supply 
and customer demand. Any one or more of these factors could have a significant impact on our business. If we 
were unable to make up the delays associated with such factors or to recover the related costs, or if market conditions 
change, it could materially and adversely affect our financial position, results of operations or cash flows.

26

Acquisitions that we may undertake in the future involve a number of risks, any of which could cause us not 
to realize the anticipated benefits.

We may not be successful in acquiring additional assets, and any acquisitions that we do consummate may 
not produce the anticipated benefits or may have adverse effects on our business and operating results. We may 
selectively  consider  strategic  acquisitions  in  the  future  within  the  refining  and  mid-stream  sector  based  on 
performance  through  the  cycle,  advantageous  access  to  crude  oil  supplies,  attractive  refined  products  market 
fundamentals and access to distribution and logistics infrastructure. Our ability to do so will be dependent upon a 
number of factors, including our ability to identify acceptable acquisition candidates, consummate acquisitions on 
acceptable terms, successfully integrate acquired assets and obtain financing to fund acquisitions and to support 
our growth and many other factors beyond our control. Risks associated with acquisitions include those relating 
to the diversion of management time and attention from our existing business, liability for known or unknown 
environmental  conditions  or  other  contingent  liabilities  and  greater  than  anticipated  expenditures  required  for 
compliance with environmental, safety or other regulatory standards or for investments to improve operating results, 
and the incurrence of additional indebtedness to finance acquisitions or capital expenditures relating to acquired 
assets. We may also enter into transition services agreements in the future with sellers of any additional refineries 
we acquire. Such services may not be performed timely and effectively, and any significant disruption in such 
transition services or unanticipated costs related to such services could adversely affect our business and results 
of operations.

Our business may suffer if any of our senior executives or other key employees discontinues employment with 
us. Furthermore, a shortage of skilled labor or disruptions in our labor force may make it difficult for us to 
maintain labor productivity.

Our future success depends to a large extent on the services of our senior executives and other key employees. 
Our business depends on our continuing ability to recruit, train and retain highly qualified employees in all areas 
of our operations, including engineering, accounting, business operations, finance and other key back-office and 
mid-office personnel. Furthermore, our operations require skilled and experienced employees with proficiency in 
multiple tasks. The competition for these employees is intense, and the loss of these executives or employees could 
harm our business. If any of these executives or other key personnel resigns or becomes unable to continue in his 
or her present role and is not adequately replaced, our business operations could be materially adversely affected.

A  portion  of  our  workforce  is  unionized,  and  we  may  face  labor  disruptions  that  would  interfere  with  our 
operations.

As of December 31, 2013, approximately 296 of our 460 employees at Paulsboro are covered by a collective 
bargaining agreement that expires in March of 2015. In addition, 678 of our 1,066 employees at Delaware City 
and Toledo are covered by a collective bargaining agreement that expires in February of 2015. We may not be able 
to renegotiate our collective bargaining agreements on satisfactory terms or at all when such agreements expire. 
A failure to do so may increase our costs. Other employees of ours, who are not presently represented by a union, 
may become so represented in the future. In addition, our existing labor agreements may not prevent a strike or 
work stoppage at any of our facilities in the future, and any work stoppage could negatively affect our results of 
operations and financial condition.

Our hedging activities may limit our potential gains, exacerbate potential losses and involve other risks.

We may enter into commodity derivatives contracts to hedge our crude price risk or crack spread risk with 
respect to a portion of our expected gasoline and distillate production on a rolling basis. Consistent with that policy 
we, or MSCG or Statoil at our request, may hedge some percentage of future crude supply. We may enter into 
hedging arrangements with the intent to secure a minimum fixed cash flow stream on the volume of products 
hedged during the hedge term and to protect against volatility in commodity prices. Our hedging arrangements 
may fail to fully achieve these objectives for a variety of reasons, including our failure to have adequate hedging 
arrangements, if any, in effect at any particular time and the failure of our hedging arrangements to produce the 
anticipated results. We may not be able to procure adequate hedging arrangements due to a variety of factors. 

27

Moreover, such transactions may limit our ability to benefit from favorable changes in crude oil and refined product 
prices. In addition, our hedging activities may expose us to the risk of financial loss in certain circumstances, 
including instances in which:

• 

the volumes of our actual use of crude oil or production of the applicable refined products is less than the 
volumes subject to the hedging arrangement;

•  accidents, interruptions in feedstock transportation, inclement weather or other events cause unscheduled 

shutdowns or otherwise adversely affect our refineries, or those of our suppliers or customers;

•  changes in commodity prices have a material impact on collateral and margin requirements under our 

hedging arrangements, resulting in our being subject to margin calls;
the counterparties to our futures contracts fail to perform under the contracts; or

• 
•  a  sudden,  unexpected  event  materially  impacts  the  commodity  or  crack  spread  subject  to  the  hedging 

arrangement.

As a result, the effectiveness of our hedging strategy could have a material impact on our financial results. 
See  “Item  7.  Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of  Operations—
Quantitative and Qualitative Disclosures About Market Risk.”

In addition, these hedging activities involve basis risk. Basis risk in a hedging arrangement occurs when 
the price of the commodity we hedge is more or less variable than the index upon which the hedged commodity 
is based, thereby making the hedge less effective. For example, a NYMEX index used for hedging certain volumes 
of crude oil or refined products may have more or less variability than the cost or price for such crude oil or refined 
products. We generally do not expect to hedge the basis risk inherent in our derivatives contracts.

Our commodity derivative activities could result in period-to-period earnings volatility.

We do not apply hedge accounting to all of our commodity derivative contracts and, as a result, unrealized 
gains and losses will be charged to our earnings based on the increase or decrease in the market value of the 
unsettled position. These gains and losses may be reflected in our income statement in periods that differ from 
when the underlying hedged items (i.e., gross margins) are reflected in our income statement. Such derivative gains 
or losses in earnings may produce significant period-to-period earnings volatility that is not necessarily reflective 
of our underlying operational performance.

The adoption of derivatives legislation by the United States Congress could have an adverse effect on our ability 
to use derivatives contracts to reduce the effect of commodity price, interest rate and other risks associated with 
our business.

The United States Congress in 2010 adopted the Dodd-Frank Wall Street Reform and Consumer Protection 
Act, or the Dodd-Frank Act, which, among other things, established federal oversight and regulation of the over-
the-counter derivatives market and entities that participate in that market. In connection with the Dodd-Frank Act, 
the Commodity Futures Trading Commission, or the CFTC, adopted regulations to set position limits for certain 
futures and option contracts in the major energy markets. Although these regulations were recently vacated by the 
U.S. District Court for the District of Columbia, the court remanded the matter to the CFTC and the CFTC voted 
on November 15, 2012 to appeal the District Court’s decision. The legislation may also require us to comply with 
margin requirements, and with certain clearing and trade-execution requirements if we do not satisfy certain specific 
exceptions. The legislation may also require the counterparties to our derivatives contracts to transfer or assign 
some of their derivatives contracts to a separate entity, which may not be as creditworthy as the current counterparty. 
The legislation and any new regulations could significantly increase the cost of derivatives contracts (including 
through requirements to post collateral), materially alter the terms of derivatives contracts, reduce the availability 
of derivatives to protect against risks we encounter, reduce our ability to monetize or restructure our existing 
derivatives  contracts,  and  increase  our  exposure  to  less  creditworthy  counterparties.  If  we  reduce  our  use  of 
derivatives as a result of the legislation and regulations, our results of operations may become more volatile and 
our  cash  flows  may  be  less  predictable,  which  could  adversely  affect  our  ability  to  plan  for  and  fund  capital 
expenditures. Any of these consequences could have a material adverse effect on us, our financial condition and 
our results of operations.

28

Our operations could be disrupted if our information systems are hacked or fail, causing increased expenses 
and loss of sales.

Our business is highly dependent on financial, accounting and other data processing systems and other 
communications and information systems, including our enterprise resource planning tools. We process a large 
number of transactions on a daily basis and rely upon the proper functioning of computer systems. If a key system 
was hacked or otherwise interfered with by an unauthorized access, or was to fail or experience unscheduled 
downtime for any reason, even if only for a short period, our operations and financial results could be affected 
adversely.  Our  systems  could  be  damaged  or  interrupted  by  a  security  breach,  fire,  flood,  power  loss, 
telecommunications failure or similar event. We have a formal disaster recovery plan in place, but this plan may 
not prevent delays or other complications that could arise from an information systems failure. Further, our business 
interruption insurance may not compensate us adequately for losses that may occur.

Product liability claims and litigation could adversely affect our business and results of operations.

Product liability is a significant commercial risk. Substantial damage awards have been made in certain 
jurisdictions against manufacturers and resellers based upon claims for injuries and property damage caused by 
the use of or exposure to various products. Failure of our products to meet required specifications or claims that 
a product is inherently defective could result in product liability claims from our shippers and customers, and also 
arise from contaminated or off-specification product in commingled pipelines and storage tanks and/or defective 
fuels. Product liability claims against us could have a material adverse effect on our business or results of operations.

We may incur significant liability under, or costs and capital expenditures to comply with, environmental and 
health and safety regulations, which are complex and change frequently. 

Our operations are subject to federal, state and local laws regulating, among other things, the handling of 
petroleum  and  other  regulated  materials,  the  emission  and  discharge  of  materials  into  the  environment,  waste 
management, and remediation of discharges of petroleum and petroleum products, characteristics and composition 
of gasoline and distillates and other matters otherwise relating to the protection of the environment. Our operations 
are also subject to extensive laws and regulations relating to occupational health and safety. 

We cannot predict what additional environmental, health and safety legislation or regulations may be adopted 
in the future, or how existing or future laws or regulations may be administered or interpreted with respect to our 
operations. Many of these laws and regulations are becoming increasingly stringent, and the cost of compliance 
with these requirements can be expected to increase over time. 

Certain environmental laws impose strict, and in certain circumstances, joint and several, liability for costs 
of investigation and cleanup of such spills, discharges or releases on owners and operators of, as well as persons 
who arrange for treatment or disposal of regulated materials at, contaminated sites. Under these laws, we may 
incur liability or be required to pay penalties for past contamination, and third parties may assert claims against 
us for damages allegedly arising out of any past or future contamination. The potential penalties and clean-up costs 
for past or future releases or spills, the failure of prior owners of our facilities to complete their clean-up obligations, 
the liability to third parties for damage to their property, or the need to address newly-discovered information or 
conditions that may require a response could be significant, and the payment of these amounts could have a material 
adverse effect on our business, financial condition and results of operations. 

Furthermore, our Delaware City refinery and our Delaware City Rail Terminal are located in Delaware's 
coastal zone where certain activities are regulated under the Delaware Coastal Zone Act and closely monitored by 
environmental interest groups. On June 14, 2013, two administrative appeals were filed by the Sierra Club and 
Delaware Audubon regarding a permit Delaware City Refining Company LLC (“DCR”) obtained to allow loading 
of crude oil onto barges.  The appeals allege that both the loading of crude oil onto barges and the operation of the 
Delaware City rail unloading terminal violate Delaware’s Coastal Zone Act. The first appeal is Number 2013-1 
before the State Coastal Zone Industrial Control Board (the “CZ Board”), and the second appeal is before the 
Environmental Appeals Board and appeals Secretary’s Order No. 2013-A-0020.  The CZ Board held a hearing on 
the first appeal on July 16, 2013, and ruled in favor of DCR and the State of Delaware and dismissed the Appellants’ 

29

appeal for lack of standing.  Sierra Club and Delaware Audubon have appealed that decision to the Delaware 
Superior Court, New Castle County, Case No. N13A-09-001 ALR, and Delaware City Refining and the State have 
filed cross-appeals.  Briefs are due to be filed in this appeal in the first quarter of 2014 but no date has been set for 
a decision by the Superior Court.  A hearing on the second appeal before the Environmental Appeals Board, case 
no. 2013-06, was held on January 13, 2014, and the Board ruled in favor of Delaware City Refining and the State 
and dismissed the appeal for lack of jurisdiction.  A written decision from the Board is pending, after which the 
Appellants will again have the right to appeal the decision to Superior Court.  If the Appellants in one or both of 
these matters ultimately prevail, the outcome may have an adverse material effect on our  financial condition, 
results of operations or cash flows.

Environmental clean-up and remediation costs of our sites and environmental litigation could decrease our net 
cash flow, reduce our results of operations and impair our financial condition.

We are subject to liability for the investigation and clean-up of environmental contamination at each of the 
properties that we own or operate and at off-site locations where we arrange for the treatment or disposal of regulated 
materials. We may become involved in future litigation or other proceedings. If we were to be held responsible for 
damages in any litigation or proceedings, such costs may not be covered by insurance and may be material. Historical 
soil and groundwater contamination has been identified at each of our refineries. Currently remediation projects 
are  underway  in  accordance  with  regulatory  requirements  at  the  Paulsboro  and  Delaware  City  refineries.  In 
connection with the acquisitions of our refineries, the prior owners have retained certain liabilities or indemnified 
us for certain liabilities, including those relating to pre-acquisition soil and groundwater conditions, and in some 
instances  we  have  assumed  certain  liabilities  and  environmental  obligations,  including  certain  remediation 
obligations  at  the  Paulsboro  refinery.  If  the  prior  owners  fail  to  satisfy  their  obligations  for  any  reason,  or  if 
significant liabilities arise in the areas in which we assumed liability, we may become responsible for remediation 
expenses and other environmental liabilities, which could have a material adverse effect on our financial condition. 
As a result, in addition to making capital expenditures or incurring other costs to comply with environmental laws, 
we also may be liable for significant environmental litigation or for investigation and remediation costs and other 
liabilities arising from the ownership or operation of these assets by prior owners, which could materially adversely 
affect our financial condition, results of operations and cash flow. See “Item 7. Management’s Discussion and 
Analysis of Financial Condition and Results of Operations—Contractual Obligations and Commitments” and “Item 
1. Business—Environmental, Health and Safety Matters.”

We may also face liability arising from current or future claims alleging personal injury or property damage 
due  to  exposure  to  chemicals  or  other  regulated  materials,  such  as  asbestos,  benzene,  MTBE  and  petroleum 
hydrocarbons, at or from our facilities. We may also face liability for personal injury, property damage, natural 
resource damage or clean-up costs for the alleged migration of contamination from our properties. A significant 
increase in the number or success of these claims could materially adversely affect our financial condition, results 
of operations and cash flow.

Regulation of emissions of greenhouse gases could force us to incur increased capital and operating costs and 
could have a material adverse effect on our results of operations and financial condition.

Both houses of Congress have actively considered legislation to reduce emissions of GHGs, such as carbon 
dioxide and methane, including proposals to: (i) establish a cap and trade system, (ii) create a federal renewable 
energy or “clean” energy standard requiring electric utilities to provide a certain percentage of power from such 
sources, and (iii) create enhanced incentives for use of renewable energy and increased efficiency in energy supply 
and use. In addition, the EPA is taking steps to regulate GHGs under the existing federal Clean Air Act, or CAA. 
The  EPA  has  already  adopted  regulations  limiting  emissions  of  GHGs  from  motor  vehicles,  addressing  the 
permitting of GHG emissions from stationary sources, and requiring the reporting of GHG emissions from specified 
large GHG emission sources, including refineries. These and similar regulations could require us to incur costs to 
monitor and report GHG emissions or reduce emissions of GHGs associated with our operations. In addition, 
various states, individually as well as in some cases on a regional basis, have taken steps to control GHG emissions, 
including adoption of GHG reporting requirements, cap and trade systems and renewable portfolio standards. 

30

Efforts  have  also  been  undertaken  to  delay,  limit  or  prohibit  EPA  and  possibly  state  action  to  regulate  GHG 
emissions, and it is not possible at this time to predict the ultimate form, timing or extent of federal or state regulation. 
In the event we do incur increased costs as a result of increased efforts to control GHG emissions, we may not be 
able to pass on any of these costs to our customers. Such requirements also could adversely affect demand for the 
refined petroleum products that we produce. Any increased costs or reduced demand could materially and adversely 
affect our business and results of operation.

Renewable fuels mandates may reduce demand for the refined fuels we produce, which could have a material 
adverse effect on our results of operations and financial condition.

Pursuant to the Energy Policy Act of 2005 and the Energy Independence and Security Act of 2007, the EPA 
has issued Renewable Fuel Standards, or RFS, implementing mandates to blend renewable fuels into the petroleum 
fuels produced and sold in the United States. Under RFS, the volume of renewable fuels that obligated refineries 
must blend into their finished petroleum fuels increases annually over time until 2022. In addition, certain states 
have passed legislation that requires minimum biodiesel blending in finished distillates. On October 13, 2010, the 
EPA raised the maximum amount of ethanol allowed under federal law from 10% to 15% for cars and light trucks 
manufactured since 2007. The maximum amount allowed under federal law currently remains at 10% ethanol for 
all other vehicles. Existing laws and regulations could change, and the minimum volumes of renewable fuels that 
must be blended with refined petroleum fuels may increase. Because we do not produce renewable fuels, increasing 
the  volume  of  renewable  fuels  that  must  be  blended  into  our  products  displaces  an  increasing  volume  of  our 
refinery’s product pool, potentially resulting in lower earnings and profitability. In addition, in order to meet certain 
of these and future EPA requirements, we must purchase credits, known as “RINS,” which have fluctuating costs.

Our pipelines are subject to federal and/or state regulations, which could reduce the amount of cash we generate.

Our transportation activities are subject to regulation by multiple governmental agencies. The regulatory 
burden on the industry increases the cost of doing business and affects profitability. Additional proposals and 
proceedings  that  affect  the  oil  industry  are  regularly  considered  by  Congress,  the  states,  the  Federal  Energy 
Regulatory Commission, the United States Department of Transportation, and the courts. We cannot predict when 
or whether any such proposals may become effective or what impact such proposals may have. Projected operating 
costs related to our pipelines reflect the recurring costs resulting from compliance with these regulations, and these 
costs may increase due to future acquisitions, changes in regulation, changes in use, or discovery of existing but 
unknown compliance issues.

We are subject to strict laws and regulations regarding employee and process safety, and failure to comply with 
these laws and regulations could have a material adverse effect on our results of operations, financial condition 
and profitability.

We are subject to the requirements of the Occupational Safety & Health Administration, or OSHA, and 
comparable state statutes that regulate the protection of the health and safety of workers. In addition, OSHA requires 
that we maintain information about hazardous materials used or produced in our operations and that we provide 
this information to employees, state and local governmental authorities, and local residents. Failure to comply with 
OSHA requirements, including general industry standards, process safety standards and control of occupational 
exposure  to  regulated  substances,  could  have  a  material  adverse  effect  on  our  results  of  operations,  financial 
condition and the cash flows of the business if we are subjected to significant fines or compliance costs.

Compliance with and changes in tax laws could adversely affect our performance.

We are subject to extensive tax liabilities, including federal, state, local and foreign taxes such as income, 
excise, sales/use, payroll, franchise, property, gross receipts, withholding and ad valorem taxes. New tax laws and 
regulations and changes in existing tax laws and regulations are continuously being enacted or proposed that could 
result in increased expenditures for tax liabilities in the future. These liabilities are subject to periodic audits by 
the respective taxing authorities, which could increase our tax liabilities. Subsequent changes to our tax liabilities 

31

as a result of these audits may also subject us to interest and penalties. There can be no certainty that our federal, 
state, local or foreign taxes could be passed on to our customers.

Our rapid growth may strain our resources and divert management’s attention. 

We were a development stage enterprise prior to our acquisition of Paulsboro on December 17, 2010. With 
the further acquisition of Toledo, the re-start of Delaware City,  our IPO and construction of our rail facilities, we 
have experienced rapid growth in a short period of time. Continued expansion may strain our resources and force 
management to focus attention from other business concerns to the development of incremental internal controls 
and procedures, which could harm our business and operating results. We may also need to hire more employees, 
which will increase our costs and expenses.

We rely on Statoil and MSCG, over whom we may have limited control, to provide us with certain volumetric 
and pricing data used in our inventory valuations.

We rely on Statoil and MSCG to provide us with certain volumetric and pricing data used in our inventory 
valuations. Our limited control over the accuracy and the timing of the receipt of this data could materially and 
adversely affect our ability to produce financial statements in a timely manner.

Changes in our credit profile could adversely affect our business.

Changes in our credit profile could affect the way crude oil suppliers view our ability to make payments 
and induce them to shorten the payment terms for our purchases or require us to post security or letters of credit 
prior to payment. Due to the large dollar amounts and volume of our crude oil and other feedstock purchases, any 
imposition by our suppliers of more burdensome payment terms on us may have a material adverse effect on our 
liquidity and our ability to make payments to our suppliers. This, in turn, could cause us to be unable to operate 
one or more of our refineries at full capacity.

Changes in laws or standards affecting the transportation of North American crude oil by rail could significantly 
impact our operations, and as a result cause our costs to increase.

  Investigations into recent rail accidents involving the transport of crude oil have prompted government 
agencies and other interested parties to call for increased regulation of the transport of crude oil by rail including 
in the areas of crude oil constituents, rail car design, routing of trains and other matters. If changes in law, regulations 
or industry standards occur that result in requirements to reduce the volatile or flammable constituents in crude 
oil that is transported by rail, alter the design or standards for rail cars, change the routing or scheduling of trains 
carrying crude oil, or any other changes that detrimentally affect the economics of delivering North American 
crude oil by rail to our refineries, our costs could increase, which could have a material adverse effect on our 
financial condition, results of operations and cash flows.

We could incur substantial costs or disruptions in our business if we cannot obtain or maintain necessary permits 
and authorizations or otherwise comply with health, safety, environmental and other laws and regulations.

Our  operations  require  numerous  permits  and  authorizations  under  various  laws  and  regulations.    These 
authorizations and permits are subject to revocation, renewal or modification and can require operational changes to 
limit impacts or potential impacts on the environment and/or health and safety.  A violation of authorization or permit 
conditions  or  other  legal  or  regulatory  requirements  could  result  in  substantial  fines,  criminal  sanctions,  permit 
revocations, injunctions, and/or facility shutdowns.  In addition, major modifications of our operations could require 
modifications to our existing permits or upgrades to our existing pollution control equipment.  Any or all of these 
matters could have a negative effect on our business, results of operations and cash flows.

We may incur significant liability under, or costs and capital expenditures to comply with, environmental and 

health and safety regulations, which are complex and change frequently.

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Our operations are subject to federal, state and local laws regulating, among other things, the handling of 
petroleum  and  other  regulated  materials,  the  emission  and  discharge  of  materials  into  the  environment,  waste 
management, and remediation of discharges of petroleum and petroleum products, characteristics and composition 
of gasoline and distillates and other matters otherwise relating to the protection of the environment. Our operations 
are also subject to extensive laws and regulations relating to occupational health and safety.

We cannot predict what additional environmental, health and safety legislation or regulations may be adopted 
in the future, or how existing or future laws or regulations may be administered or interpreted with respect to our 
operations. Many of these laws and regulations are becoming increasingly stringent, and the cost of compliance with 
these requirements can be expected to increase over time.

Certain environmental laws impose strict, and in certain circumstances joint and several liability for, costs of 
investigation and cleanup of such spills, discharges or releases on owners and operators of, as well as persons who 
arrange for treatment or disposal of regulated materials at contaminated sites. Under these laws, we may incur liability 
or be required to pay penalties for past contamination, and third parties may assert claims against us for damages 
allegedly arising out of any past or future contamination. The potential penalties and clean-up costs for past or future 
releases or spills, the failure of prior owners of our facilities to complete their clean-up obligations, the liability to 
third parties for damage to their property, or the need to address newly-discovered information or conditions that may 
require a response could be significant, and the payment of these amounts could have a material adverse effect on 
our business, financial condition and results of operations.

Furthermore, our Delaware City refinery and our Delaware City Rail Terminal are located in Delaware's coastal 
zone  where  certain  activities  are  regulated  under  the  Delaware  Coastal  Zone  Act  and  closely  monitored  by 
environmental interest groups. On June 14, 2013, two administrative appeals were filed by the Sierra Club and 
Delaware Audubon regarding a permit Delaware City Refining Company LLC (“DCR”) obtained to allow loading 
of crude oil onto barges.  The appeals allege that both the loading of crude oil onto barges and the operation of the 
Delaware City rail unloading terminal violate Delaware’s Coastal Zone Act. The first appeal is Number 2013-1 
before the State Coastal Zone Industrial Control Board (the “CZ Board”), and the second appeal is before the 
Environmental Appeals Board and appeals Secretary’s Order No. 2013-A-0020.  The CZ Board held a hearing on 
the first appeal on July 16, 2013, and ruled in favor of DCR and the State of Delaware and dismissed the Appellants’ 
appeal for lack of standing.  Sierra Club and Delaware Audubon have appealed that decision to the Delaware 
Superior Court, New Castle County, Case No. N13A-09-001 ALR, and Delaware City Refining and the State have 
filed cross-appeals.  Briefs are due to be filed in this appeal in the first quarter of 2014 but no date has been set for 
a decision by the Superior Court.  A hearing on the second appeal before the Environmental Appeals Board, case 
no. 2013-06, was held on January 13, 2014, and the Board ruled in favor of Delaware City Refining and the State 
and dismissed the appeal for lack of jurisdiction.  A written decision from the Board is pending, after which the 
Appellants will again have the right to appeal the decision to Superior Court.  If the Appellants in one or both of 
these matters ultimately prevail, the outcome may have an adverse material effect on our financial condition, results 
of operations or cash flows.

Risks Related to Our Indebtedness

Our substantial indebtedness could adversely affect our financial condition and prevent us from fulfilling our 
obligations under our indebtedness.

Our  substantial  indebtedness  may  significantly  affect  our  financial  flexibility  in  the  future.  As  of 
December 31, 2013, we have total long-term debt including the Delaware Economic Development Authority Loan, 
of $747.6 million, all of which is secured, and we could have incurred an additional $615.9 million of senior secured 
indebtedness under our existing debt agreements. We may incur additional indebtedness in the future. Our strategy 
includes  executing  future  refinery  acquisitions. Any  significant  acquisition  would  likely  require  us  to  incur 
additional indebtedness in order to finance all or a portion of such acquisition. The level of our indebtedness has 
several important consequences for our future operations, including that:

•  a significant portion of our cash flow from operations will be dedicated to the payment of principal of, and 

interest on, our indebtedness and will not be available for other purposes;

33

•  covenants contained in our existing debt arrangements limit our ability to borrow additional funds, dispose 

• 

of assets and make certain investments;
these covenants also require us to meet or maintain certain financial tests, which may affect our flexibility 
in planning for, and reacting to, changes in our industry, such as being able to take advantage of acquisition 
opportunities when they arise;

•  our ability to obtain additional financing for working capital, capital expenditures, acquisitions, general 

corporate and other purposes may be limited; and

•  we may be at a competitive disadvantage to those of our competitors that are less leveraged; and we may 

be more vulnerable to adverse economic and industry conditions.

Our substantial indebtedness increases the risk that we may default on our debt obligations, certain of which 
contain cross-default and/or cross-acceleration provisions. We have significant principal payments due under our 
debt instruments. Our subsidiaries’ ability to meet their principal obligations will be dependent upon our future 
performance, which in turn will be subject to general economic conditions, industry cycles and financial, business 
and other factors affecting our operations, many of which are beyond our control. Our business may not continue 
to generate sufficient cash flow from operations to repay our substantial indebtedness. If we are unable to generate 
sufficient  cash  flow  from  operations,  we  may  be  required  to  sell  assets,  to  refinance  all  or  a  portion  of  our 
indebtedness or to obtain additional financing. Refinancing may not be possible and additional financing may not 
be available on commercially acceptable terms, or at all.

Despite our level of indebtedness, we and our subsidiaries may be able to incur substantially more debt, which 
could exacerbate the risks described above.

We and our subsidiaries may be able to incur substantial additional indebtedness in the future including 
additional secured debt. Although our debt instruments and financing arrangements contain restrictions on the 
incurrence of additional indebtedness, these restrictions are subject to a number of qualifications and exceptions, 
and the indebtedness incurred in compliance with these restrictions could be substantial. To the extent new debt 
is added to our currently anticipated debt levels, the substantial leverage risks described above would increase. 
Also, these restrictions do not prevent us from incurring obligations that do not constitute indebtedness.

Restrictive covenants in our debt instruments may limit our ability to undertake certain types of transactions.

Various  covenants  in  our  debt  instruments  and  other  financing  arrangements  may  restrict  our  and  our 
subsidiaries’ financial flexibility in a number of ways. Our indebtedness subjects us to significant financial and 
other restrictive covenants, including restrictions on our ability to incur additional indebtedness, place liens upon 
assets, pay dividends or make certain other restricted payments and investments, consummate certain asset sales 
or asset swaps, conduct businesses other than our current businesses, or sell, assign, transfer, lease, convey or 
otherwise dispose of all or substantially all of our assets. Some of these debt instruments also require our subsidiaries 
to satisfy or maintain certain financial condition tests in certain circumstances. Our subsidiaries’ ability to meet 
these financial condition tests can be affected by events beyond our control and they may not meet such tests.

Provisions in our indenture could discourage an acquisition of us by a third party.

Certain provisions of our indenture could make it more difficult or more expensive for a third party to acquire 
us. Upon the occurrence of certain transactions constituting a “change in control” as defined in the indenture, 
holders of our notes could require us to repurchase all outstanding notes at 101% of the principal amount thereof, 
plus accrued and unpaid interest, if any, to the date of repurchase.

Risks Related to Our Organizational Structure and Our Class A Common Stock

Our only material asset is our interest in PBF LLC. Accordingly, we depend upon distributions from PBF LLC 
and its subsidiaries to pay our taxes, meet our other obligations and/or pay dividends in the future. 

We are a holding company and all of our operations are conducted through subsidiaries of PBF Holding. 
We have no independent means of generating revenue and no material assets other than our ownership interest in 
34

PBF LLC. Therefore, we depend on the earnings and cash flow of our subsidiaries to meet our obligations, including 
our indebtedness, tax liabilities and obligations to make payments under our tax receivable agreement. If we or 
PBF LLC do not receive such cash distributions, dividends or other payments from our subsidiaries, we and PBF 
LLC may be unable to meet our obligations and/or pay dividends. 

We intend to cause PBF LLC to make distributions to its members in an amount sufficient to enable us to 
cover all applicable taxes at assumed tax rates, make payments owed by us under the tax receivable agreement, 
and to pay other obligations and dividends, if any, declared by us. To the extent we need funds and PBF LLC or 
any of its subsidiaries is restricted from making such distributions under applicable law or regulation or under the 
terms  of  our  financing  or  other  contractual  arrangements,  or  is  otherwise  unable  to  provide  such  funds,  such 
restrictions could materially adversely affect our liquidity and financial condition. 

Our ABL  Revolving  Credit  Facility,  8.25%  Senior  Secured  Notes  due  2020  issued  by  PBF  Holding  in 
February 2012, or Senior Secured Notes, and certain of our other outstanding debt arrangements include a restricted 
payment covenant, which restricts the ability of PBF Holding to make distributions to us, and we anticipate our 
future debt will contain a similar restriction. In addition, there may be restrictions on payments by our subsidiaries 
under applicable laws, including laws that require companies to maintain minimum amounts of capital and to make 
payments to stockholders only from profits. For example, PBF Holding is generally prohibited under Delaware 
law from making a distribution to a member to the extent that, at the time of the distribution, after giving effect to 
the distribution, liabilities of the limited liability company (with certain exceptions) exceed the fair value of its 
assets. As a result, we may be unable to obtain that cash to satisfy our obligations and make payments to our 
stockholders, if any. 

Blackstone and First Reserve through their ownership of units of PBF LLC have substantial influence or control 
over us, and their interests may differ from those of our public stockholders. 

As of February 20, 2014, Blackstone and First Reserve collectively possess in the aggregate approximately 
38.0% of the combined voting power of our common stock. As a result, Blackstone and First Reserve have the 
ability to significantly influence or control the management and affairs of our company and potentially determine 
the outcome of matters submitted to our stockholders for approval, including the election and removal of our 
directors, the appointment of management, future issuances of securities, the incurrence of debt by us, amendments 
to our organizational documents, making acquisitions and significant investments and capital expenditures and the 
entering into of extraordinary transactions. Blackstone’s and First Reserve’s interests may not in all cases be aligned 
with our Class A common stockholders’ interests. 

For example, Blackstone and First Reserve may have different tax positions which could influence their 
positions, including regarding whether and when we dispose of assets and whether and when we incur new or 
refinance existing indebtedness, especially in light of the existence of the tax receivable agreement described below. 
In addition, the structuring of future transactions may take into consideration these tax or other considerations even 
where  no  similar  benefit  would  accrue  to  our  Class A  common  stockholders  or  us.    See  “Item  13.  Certain 
Relationships and Related Transactions, and Director Independence.”

Blackstone  and  First  Reserve  may  have  an  interest  in  pursuing  acquisitions,  divestitures  and  other 
transactions that, in their judgment, could enhance their equity investment, even though such transactions might 
involve risks to our Class A common stockholders. For example, they could influence us to make acquisitions, 
investments and capital expenditures that increase our indebtedness, or to sell revenue-generating assets or to not 
make such acquisitions, investments or capital expenditures. Pursuant to the stockholders agreement we are party 
to with Blackstone and First Reserve, following the January 2014 Secondary Offering, Blackstone and First Reserve 
will each have the ability to nominate two of our directors so long as it owns between 15% and 25% of our voting 
stock, and one director so long as it owns between 7.5% and 15% of our voting stock. See “Item 13. Certain 
Relationships and Related Transactions, and Director Independence.” This concentration of ownership may have 
the effect of delaying, preventing or deterring a change of control of our company. Lastly, Blackstone and First 
Reserve are in the business of making investments in companies and may from time to time acquire and hold 

35

interests  in  businesses  that  compete  directly  or  indirectly  with  us.  Our  certificate  of  incorporation  contains  a 
provision renouncing our interest and expectancy in certain corporate opportunities identified by Blackstone or 
First Reserve. They may also pursue acquisition opportunities that are complementary to our business and, as a 
result, those acquisition opportunities may not be available to us.

Although we are no longer a “controlled company” within the meaning of the NYSE rules, we may rely on 
exemptions from certain corporate governance requirements during a one-year transition period. 

Following our January 2014 Secondary Offering, Blackstone and First Reserve no longer control a majority 
of the combined voting power of all classes of our voting stock. As a result, we no longer are a “controlled company” 
within the meaning of the NYSE corporate governance standards. Under the NYSE rules, a majority of our directors 
must be independent within one year of the date we no longer qualify as a “controlled company.” The NYSE rules 
also  require  that  we  have  at  least  one  independent  director  on  each  of  the  compensation  and  nominating  and 
corporate governance committees prior to the date we no longer qualify as a “controlled company,” at least a 
majority of independent members within 90 days of such date and that the compensation and nominating and 
corporate governance committees be composed entirely of independent directors within one year of such date. We 
might utilize certain of these exemptions during these transition periods. Accordingly, until January 2015, our 
stockholders may not have the same protections afforded to stockholders of companies that are subject to all of 
the corporate governance requirements of the NYSE. See “Item 13. Certain Relationships and Related Transactions 
and Director Independence.” 

We will be required to pay the holders of PBF LLC Series A Units and PBF LLC Series B Units for certain tax 
benefits we may claim arising in connection with our prior offerings and future exchanges of PBF LLC Series 
A Units for shares of our Class A Common Stock and related transactions, and the amounts we may pay could 
be significant. 

We are party to a tax receivable agreement that provides for the payment from time to time by PBF Energy 
to the holders of PBF LLC Series A Units and PBF LLC Series B Units of 85% of the benefits, if any, that PBF 
Energy is deemed to realize as a result of (i) the increases in tax basis resulting from its acquisitions of PBF LLC 
Series A Units, including such acquisitions in connection with our prior offerings or in the future and (ii) certain 
other tax benefits related to our entering into the tax receivable agreement, including tax benefits attributable to 
payments under the tax receivable agreement. See “Item 13. Certain Relationships and Related Transactions, and 
Director Independence.”

We expect that the payments that we may make under the tax receivable agreement will be substantial. As 
of December 31, 2013, we have recognized a liability for the tax receivable agreement of $287.3 million reflecting 
our estimate of the undiscounted amounts that we expect to pay under the agreement due to exchanges that occurred 
prior to that date, and to range over the next five years from approximately $12.5 million to $34.6 million per year 
and decline thereafter. Assuming no material changes in the relevant tax law, and that we earn sufficient taxable 
income to realize all tax benefits that are subject to the tax receivable agreement, we expect that additional future 
payments under the tax receivable agreement relating to the exchange by the selling stockholders in connection 
with  the  January  2014  Secondary  Offering  to  aggregate  $140.5 million.  Future  payments  by  us  in  respect  of 
subsequent exchanges of PBF LLC Series A Units would be in addition to these amounts and are expected to be 
substantial as well. For example, if 50%, with respect to the amount and timing of PBF Energy income, or more 
of the capital and profits interests in PBF LLC are transferred in a taxable sale or exchange within a period of 12 
consecutive months, PBF LLC will undergo, for federal income tax purposes, a “technical termination” that could 
affect  the  amount  of  PBF  LLC’s  taxable  income  in  any  year  and  the  allocation  of  taxable  income  among  the 
members of PBF LLC, including PBF Energy. If PBF Energy does not have taxable income, PBF Energy generally 
is not required (absent a change of control or circumstances requiring an early termination payment) to make 
payments under the tax receivable agreement for that taxable year because no benefit will have been actually 
realized. However, any tax benefits that do not result in realized benefits in a given tax year will likely generate 
tax attributes that may be utilized to generate benefits in previous or future tax years. The utilization of such tax 
attributes will result in payments under the tax receivable agreement. The foregoing numbers are merely estimates 

36

based on assumptions that are subject to change due to various factors, including, among other factors, the timing 
of exchanges of PBF LLC Series A Units for shares of PBF Energy’s Class A common stock as contemplated by 
the tax receivable agreement, the price of PBF Energy’s Class A common stock at the time of such exchanges, the 
extent  to  which  such  exchanges  are  taxable,  and  the  amount  and  timing  of  PBF  Energy’s  income. The  actual 
payments could differ materially from the estimates above. It is possible that future transactions or events could 
increase or decrease the actual tax benefits realized and the corresponding tax receivable agreement payments. 
There may be a material negative effect on our liquidity if, as a result of  timing discrepancies or otherwise, (i) the 
payments under the tax receivable agreement exceed the actual benefits we realize in respect of the tax attributes 
subject to the tax receivable agreement, and/or (ii) distributions to PBF Energy by PBF LLC are not sufficient to 
permit PBF Energy, after it has paid its taxes and other obligations, to make payments under the tax receivable 
agreement. The payments under the tax receivable agreement are not conditioned upon any recipient’s continued 
ownership of us.  

In certain cases, payments by us under the tax receivable agreement may be accelerated and/or significantly 
exceed the actual benefits we realize in respect of the tax attributes subject to the tax receivable agreement. 
These provisions may deter a change in control of our Company. 

The tax receivable agreement provides that upon certain changes of control, or if, at any time, PBF Energy 
elects an early termination of the tax receivable agreement, PBF Energy’s (or its successor’s) obligations with 
respect to exchanged or acquired PBF LLC Series A Units (whether exchanged or acquired before or after such 
transaction) would be based on certain assumptions, including (i) that PBF Energy would have sufficient taxable 
income to fully utilize the deductions arising from the increased tax deductions and tax basis and other benefits 
related to entering into the tax receivable agreement and (ii) that the subsidiaries of PBF LLC will sell certain 
nonamortizable assets (and realize certain related tax benefits) no later than a specified date. Moreover, in each of 
these instances, we would be required to make an immediate payment equal to the present value (at a discount rate 
equal to LIBOR plus 100 basis points) of the anticipated future tax benefits (based on the foregoing assumptions). 
Accordingly, payments under the tax receivable agreement may be made years in advance of the actual realization, 
if any, of the anticipated future tax benefits and may be significantly greater than the actual benefits we realize in 
respect of the tax attributes subject to the tax receivable agreement. Assuming that the market value of a share of 
our Class A common stock equals $31.46 per share (the closing price on December 31, 2013) and that LIBOR 
were to be 1.85%, we estimate that, as of December 31, 2013 the aggregate amount of these accelerated payments 
would have been approximately $789.4 million if triggered immediately on such date. In these situations, our 
obligations under the tax receivable agreement could have a substantial negative impact on our liquidity. We may 
not be able to finance our obligations under the tax receivable agreement and our existing indebtedness may limit 
our subsidiaries’ ability to make distributions to us to pay these obligations. These provisions may deter a potential 
sale of our Company to a third party and may otherwise make it less likely that a third party would enter into a 
change of control transaction with us. 

Moreover, payments under the tax receivable agreement will be based on the tax reporting positions that 
we  determine  in  accordance  with  the  tax  receivable  agreement. We  will  not  be  reimbursed  for  any  payments 
previously made under the tax receivable agreement if the Internal Revenue Service subsequently disallows part 
or all of the tax benefits that gave rise to such prior payments. As a result, in certain circumstances, payments could 
be made under the tax receivable agreement that are significantly in excess of the benefits that we actually realize 
in respect of (i) the increases in tax basis resulting from our purchases or exchanges of PBF LLC Series A Units 
and (ii) certain other tax benefits related to our entering into the tax receivable agreement, including tax benefits 
attributable to payments under the tax receivable agreement. 

The requirements of being a public company may strain our resources and distract our management. 

As a public company, we are subject to the reporting requirements of the Securities Exchange Act of 1934, 
as amended, and requirements of the Sarbanes-Oxley Act of 2002. These requirements may place a strain on our 
systems and resources. The Exchange Act requires that we file annual, quarterly and current reports with respect 
to our business and financial condition. The Sarbanes-Oxley Act requires that we maintain effective disclosure 

37

controls and procedures and internal controls over financial reporting. We have implemented additional procedures 
and processes for the purpose of addressing the standards and requirements applicable to public companies. In 
addition, sustaining our growth also will require us to commit additional management, operational and financial 
resources  to  identify  new  professionals  to  join  our  firm  and  to  maintain  appropriate  operational  and  financial 
systems to adequately support expansion. These activities may divert management’s attention from other business 
concerns, which could have a material adverse effect on our business, financial condition, results of operations 
and cash flows. We expect to incur significant additional annual expenses related to these steps and other public 
company expenses.

We cannot assure you that we will continue to declare dividends or have the available cash to make dividend 
payments.

Although we currently intend to pay quarterly cash dividends on our Class A common stock, the declaration, 
amount and payment of any dividends will be at the sole discretion of our board of directors. We are not obligated 
under any applicable laws, our governing documents or any contractual agreements with our existing owners or 
otherwise to declare or pay any dividends or other distributions (other than the obligations of PBF LLC to make 
tax  distributions  to  its  members).  Our  board  of  directors  may  take  into  account,  among  other  things,  general 
economic conditions, our financial condition and operating results, our available cash and current and anticipated 
cash  needs,  capital  requirements,  plans  for  expansion,  tax,  legal,  regulatory  and  contractual  restrictions  and 
implications, including under our outstanding debt documents, and such other factors as our board of directors 
may deem relevant in determining whether to declare or pay any dividend. Because PBF Energy is a holding 
company with no material assets (other than the equity interests of its direct subsidiary), its cash flow and ability 
to pay dividends is dependent upon the financial results and cash flows of its direct subsidiary PBF Holding and 
its operating subsidiaries and the distribution or other payment of cash to it in the form of dividends or otherwise. 
The direct and indirect subsidiaries of PBF Energy are separate and distinct legal entities and have no obligation 
to make any funds available to it. As a result, if we do not declare or pay dividends you may not receive any return 
on an investment in our Class A common stock unless you sell our Class A common stock for a price greater than 
that which you paid for it.

Anti-takeover and certain other provisions in our certificate of incorporation and bylaws and Delaware law 
may discourage or delay a change in control.

Our  certificate  of  incorporation  and  bylaws  contain  provisions  which  could  make  it  more  difficult  for 

stockholders to effect certain corporate actions. Among other things, these provisions:

•  authorize the issuance of undesignated preferred stock, the terms of which may be established and the 

shares of which may be issued without stockholder approval;

• 

•  prohibit stockholder action by written consent now that Blackstone and First Reserve collectively cease 
to beneficially own at least a majority of all of the outstanding shares of our capital stock entitled to vote;
restrict  certain  business  combinations  with  stockholders  who  obtain  beneficial  ownership  of  a  certain 
percentage of our outstanding common stock after the date Blackstone and First Reserve and their affiliates 
collectively cease to beneficially own at least 5% of all of the outstanding shares of our capital stock 
entitled to vote;

•  provide that special meetings of stockholders may be called only by the chairman of the board of directors, 
the  chief  executive  officer  or  the  board  of  directors,  and  establish  advance  notice  procedures  for  the 
nomination of candidates for election as directors or for proposing matters that can be acted upon at 
stockholder meetings; and 

•  provide now that Blackstone and First Reserve collectively cease to beneficially own a majority of all of 
the outstanding shares of our capital stock entitled to vote, our stockholders may only amend our bylaws 
with the approval of 75% or more of all of the outstanding shares of our capital stock entitled to vote.

These anti-takeover provisions and other provisions of Delaware law may have the effect of delaying or 
deterring a change of control of our company. Certain provisions could also discourage proxy contests and make 
it more difficult for you and other stockholders to elect directors of your choosing and to cause us to take other 

38

corporate actions you desire. These provisions could limit the price that certain investors might be willing to pay 
in the future for shares of our Class A common stock.

In addition, in connection with our initial public offering, we entered into a stockholders agreement with 
Blackstone and First Reserve pursuant to which they will each be entitled to nominate a number of directors so 
long as certain ownership thresholds are maintained.

The market price of our Class A common stock may be volatile, which could cause the value of your investment 
to decline.

The  market  price  of  our  Class A  common  stock  may  be  highly  volatile  and  could  be  subject  to  wide 

fluctuations due to a number of factors including: 

•  variations in actual or anticipated operating results or dividends, if any, to stockholders;
•  changes in, or failure to meet, earnings estimates of securities analysts;
•  market conditions in the oil refining industry;
• 

the impact of disruptions to crude or feedstock supply to any of our refineries, including disruptions due 
to problems with third party logistics infrastructure; 
litigation and government investigations;
the timing and announcement of any potential acquisitions and subsequent impact of any future acquisitions 
on our capital structure, financial condition or results of operations; 

• 
• 

•  changes or proposed changes in laws or regulations or differing interpretations or enforcement thereof 
affecting our business or industry, including any lifting by the federal government of the restrictions on 
exporting U.S. crude oil; 

•  general economic and stock market conditions; and
• 

the availability for sale, or sales, of a significant number of shares of our Class A common stock in the 
public market.

In addition, the stock markets generally may experience significant volatility, often unrelated to the operating 
performance of the individual companies whose securities are publicly traded. These and other factors may cause 
the market price of our Class A common stock to decrease significantly, which in turn would adversely affect the 
value of your investment. 

In the past, following periods of volatility in the market price of a company’s securities, stockholders have 
often instituted class action securities litigation against those companies. Such litigation, if instituted, could result 
in substantial costs and a diversion of management’s attention and resources, which could significantly harm our 
profitability and reputation.

If securities or industry analysts do not publish research or reports about our business, or if they downgrade 
their recommendations regarding our Class A common stock, our stock price and trading volume could decline.

The trading market for our Class A common stock is influenced by the research and reports that industry or 
securities analysts publish about us or our business. If any of the analysts who cover us downgrade our Class A 
common stock or publish inaccurate or unfavorable research about our business, our Class A common stock price 
may decline. If analysts cease coverage of us or fail to regularly publish reports on us, we could lose visibility in 
the financial markets, which in turn could cause our Class A common stock price or trading volume to decline and 
our Class A common stock to be less liquid.

Future sales of our shares of Class A common stock could cause our stock price to decline. 

The market price of our Class A common stock could decline as a result of sales of a large number of shares 
of Class A common stock in the market or the perception that such sales could occur. These sales, or the possibility 
that these sales may occur, including sales related to financing acquisitions, also might make it more difficult for 
us to sell shares of Class A common stock in the future at a time and at a price that we deem appropriate. In addition, 

39

any shares of Class A common stock that we issue, including under any equity incentive plans, would dilute the 
percentage ownership of the holders of our Class A common stock. 

We are party to a registration rights agreement with the other members of PBF LLC pursuant to which we 
continue to be required to register under the Securities Act and applicable state securities laws the resale of the 
shares of Class A common stock issuable to them upon exchange of all of the PBF LLC Series A Units held by 
them. We currently have an effective shelf registration statement covering the resale of up to 6,310,055 shares of 
our Class A common stock issued or issuable to certain holders of PBF LLC Series A Units (other than Blackstone 
and First Reserve), which shares may be sold from time to time in the public markets, subject to the lock-up 
agreements described below. Our shares also may be sold under Rule 144 under the Securities Act depending on 
the holding period and subject to restrictions in the case of shares held by persons deemed to be our affiliates. 

ITEM 1B. UNRESOLVED STAFF COMMENTS

None.

ITEM 2. PROPERTIES

See “Item 1. Business”.

ITEM 3. LEGAL PROCEEDINGS

On June 14, 2013, two administrative appeals were filed by the Sierra Club and Delaware Audubon regarding 
a permit Delaware City Refining Company LLC (“DCR”) obtained to allow loading of crude oil onto barges.  The 
appeals allege that both the loading of crude oil onto barges and the operation of the Delaware City rail unloading 
terminal violate Delaware’s Coastal Zone Act. The first appeal is Number 2013-1 before the State Coastal Zone 
Industrial Control Board (the “CZ Board”), and the second appeal is before the Environmental Appeals Board and 
appeals Secretary’s Order No. 2013-A-0020.  The CZ Board held a hearing on the first appeal on July 16, 2013, 
and ruled in favor of DCR and the State of Delaware and dismissed the Appellants’ appeal for lack of standing.  
Sierra  Club  and  Delaware Audubon  have  appealed  that  decision  to  the  Delaware  Superior  Court,  New  Castle 
County, Case No. N13A-09-001 ALR, and DCR and the State have filed cross-appeals.  Briefs are due to be filed 
in this appeal in the first quarter of 2014 but no date has been set for a decision by the Superior Court.  A hearing 
on the second appeal before the Environmental Appeals Board, case no. 2013-06, was held on January 13, 2014, 
and the Board ruled in favor of DCR and the State and dismissed the appeal for lack of jurisdiction.  A written 
decision from the Board is pending, after which the Appellants will again have the right to appeal the decision to 
Superior Court.  If the Appellants in one or both of these matters ultimately prevail, the outcome may have an 
adverse material effect on our  financial condition, results of operations or cash flows.

On July 24, 2013, the Delaware Department of Natural Resources and Environmental Control ("DNREC") 
issued a Notice of Administrative Penalty Assessment and Secretary’s Order to Delaware City Refining Company 
LLC for alleged air emission violations that occurred during the re-start of the refinery in 2011 and subsequent to 
the re-start. The penalty assessment seeks $460,200 in penalties and $69,030 in cost recovery for DNREC’s expenses 
associated with investigation of the incidents. We dispute the amount of the penalty assessment and allegations 
made in the order, and are in discussions with DNREC to resolve the assessment.

ITEM 4. MINE SAFETY DISCLOSURE

None.

40

PART II

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

Market Information

PBF Energy Class A common stock trades on the New York Stock Exchange under the symbol “PBF.” Our 

Class B common stock is not publicly traded.

As of February 20, 2014 there were 8 holders of record of our Class A common stock and 40 holders of 
record of our Class B common stock, 100% of PBF Holding's outstanding membership interests were held by PBF 
LLC. 

The following table sets forth, for the period indicated, the high and low sales prices of our Class A common 
stock as reported by the New York Stock Exchange from December 13, 2012, the first day of trading following 
our initial public offering, through December 31, 2013. The initial public offering price of our Class A common 
stock was $26.00 per share.

2013:
First Quarter ended March 31, 2013
Second Quarter ended June 30, 2013
Third Quarter ended September 30, 2013
Fourth Quarter ended December 31, 2013
2012:
December 13 to December 31, 2012

Sales Prices of  the
Common Stock

High

Low

Dividends
Per
Common  Share

$
$
$
$

$

42.50
39.00
26.66
31.52

29.05

$
$
$
$

$

27.10
23.54
20.15
21.20

26.00

$
$
$
$

$

0.30
0.30
0.30
0.30

—

There is no established public trading market for membership interests of PBF Holding.

Dividend Policy

Subject to the following paragraphs, PBF Energy currently intends to continue to pay quarterly cash dividends 

of approximately $0.30 per share on its Class A common stock. 

The declaration, amount and payment of this and any other future dividends on shares of Class A common 
stock will be at the sole discretion of PBF Energy's board of directors, and we are not obligated under any applicable 
laws, governing documents or any contractual agreements with PBF LLC's existing owners or otherwise to declare 
or pay any dividends or other distributions (other than the obligations of PBF LLC to make tax distributions to its 
members). PBF Energy's board of directors may take into account, among other things, general economic conditions, 
our financial condition and operating results, our available cash and current and anticipated cash needs, capital 
requirements, plans for expansion, tax, legal, regulatory and contractual restrictions and implications, including 
under PBF Energy's tax receivable agreement and our subsidiaries’ outstanding debt documents, and such other 
factors as PBF Energy's board of directors may deem relevant in determining whether to declare or pay any dividend. 
In addition, we expect that to the extent we declare a dividend for a particular quarter, our cash flow from operations 
for that quarter will substantially exceed any dividend payment for such period. Because any future declaration or 
payment of dividends will be at the sole discretion of PBF Energy's board of directors, we do not expect that any 
such dividend payments will have a material adverse impact on our liquidity or otherwise limit our ability to fund 
capital expenditures or otherwise pursue our business strategy over the long-term. Although we have the ability 
to borrow funds and sell assets to pay future dividends (subject to certain limitations in our ABL Revolving Credit 

41

 
 
 
Facility and the Senior Secured Notes), we intend to fund any future dividends out of our cash flow from operations 
and, as a result, we do not expect to incur any indebtedness or to use the proceeds from equity offerings to fund 
such payments. 

PBF Energy is a holding company and has no material assets other than its ownership interests of PBF LLC. 
In order for PBF Energy to pay any dividends, they will need to cause PBF LLC to make distributions to it and 
the holders of PBF LLC Series A Units, and PBF LLC will need to cause PBF Holding to make distributions to it, 
in an amount sufficient to cover cash dividends, if any, declared by PBF Energy. PBF Holding is generally prohibited 
under Delaware law from making a distribution to a member to the extent that, at the time of the distribution, after 
giving effect to the distribution, liabilities of the limited liability company (with certain exceptions) exceed the 
fair value of its assets. As a result, PBF LLC may be unable to obtain cash from PBF Holding to satisfy its obligations 
and make distributions to PBF Energy for dividends, if any, to PBF Energy's stockholders. If PBF LLC makes 
such distributions to PBF Energy, the holders of PBF LLC Series A Units will also be entitled to receive pro rata 
distributions. 

The ability of PBF Holding to pay dividends and make distributions to PBF LLC is, and in the future may 
be, limited by covenants in its ABL Revolving Credit Facility, the Senior Secured Notes and other debt instruments. 
Subject to certain exceptions, the ABL Revolving Credit Facility and the indenture governing the Senior Secured 
Notes prohibit PBF Holding from making distributions to PBF LLC if certain defaults exist. In addition, both the 
indenture and the ABL Revolving Credit Facility contain additional restrictions limiting PBF Holding’s ability to 
make distributions to PBF LLC. Subject to certain exceptions, the restricted payment covenant under the indenture 
restricts PBF Holding from making cash distributions unless its fixed charge coverage ratio, as defined in the 
indenture, is at least 2.0 to 1.0 after giving pro forma effect to such distributions and such cash distributions do 
not exceed an amount equal to the aggregate net equity proceeds received by it (either as a result of certain capital 
contributions or from the sale of certain equity or debt securities) plus 50% of its consolidated net income (or less 
100% of consolidated net loss) which is defined to exclude certain non-cash charges, such as impairment charges, 
plus certain other items. Two important exceptions to the foregoing are (i) a permission to pay up to the greater of 
$100.0 million and 1% of PBF Holding’s total assets and (ii) a permission to pay an additional $200.0 million 
subject to compliance with a total debt ratio of 2.0 to 1.0. The ABL Revolving Credit Facility generally restricts 
PBF Holding’s ability to make cash distributions if (x) the aggregate amount of such distributions exceeds the then 
existing available amount basket (as defined by the ABL Revolving Credit Facility) and (y) before and after giving 
effect to any such distribution (a) it fails to have pro forma excess availability under the facility greater than an 
amount equal to 17.5% of the lesser of (1) the then existing borrowing base and (2) the then current aggregate 
revolving commitment amount, which as of December 31, 2013 was $1.610 billion or (b) it fails to maintain on a 
pro forma basis a fixed charge coverage ratio, as defined by the ABL Revolving Credit Facility, of at least 1.1 to 
1.0. As a result, we cannot assure you that PBF Holding will be able to make distributions to PBF LLC in order 
for PBF LLC to make distributions to PBF Energy. If that is the case, it is unlikely that PBF Energy will be able 
to declare dividends as contemplated herein. 

Based upon our operating results for the year ended December 31, 2013, PBF Holding was permitted under 
its ABL Revolving Credit Facility and indenture to pay distributions to PBF LLC so that PBF LLC could make 
distributions to its members, including us, in amounts sufficient to enable us to pay a quarterly dividend at the rate 
specified above. The ability of PBF Holding to comply with the foregoing limitations and restrictions is, to a 
significant degree, subject to its operating results, which is dependent on a number of factors outside of our control. 
As a result, we cannot assure you that we will be able to declare dividends as contemplated herein. See “Item 1A. 
Risk Factors - Risks Related to Our Organizational Structure and Class A Common Stock - We cannot assure you 
that we will continue to declare dividends or have the available cash to make dividend payments.” 

PBF LLC made pre-IPO cash distributions to its members in the amount of $161.0 million during 2012. 
PBF Holding paid $215.8 million in distributions to PBF LLC during the year ended December 31, 2013. PBF 
LLC used $116.0 million of this amount in total to make four separate non-tax distributions of $0.30 per unit ($1.20 
per  unit  in  total)  to  its  members,  of  which  $37.9  million  was  distributed  to  PBF  Energy  and  the  balance  was 

42

distributed to PBF LLC’s other members. PBF Energy used this $37.9 million to pay four separate equivalent cash 
dividends of $0.30 per share of Class A common stock on November 21, 2013, August 21, 2013, June 7, 2013 and 
March  15,  2013.  PBF  LLC  used  the  remaining  $99.8  million  from  PBF  Holding’s  distribution  to  make  tax 
distributions to its members, with $20.2 million distributed to PBF Energy, of which $1.1 million was paid by PBF 
LLC directly to the applicable taxing authorities on behalf of PBF Energy, and $79.6 million to its other members. 

PBF LLC will continue to make tax distributions to its members in accordance with its amended and restated 

limited liability company agreement.  

Assuming approximately 96,867,147 PBF LLC Series A Units and PBF LLC Series C Units outstanding, 
the aggregate annual distributions which are anticipated to be required to be made by PBF Holding to PBF LLC, 
such that PBF LLC may make an equivalent distribution to its members (including PBF Energy) in order for PBF 
Energy to pay the anticipated $0.30 per quarter cash dividend on its Class A common stock, would be approximately 
$116.2  million.   As  of  December 31,  2013,  PBF  Holding  had  cash  and  cash  equivalents  of  $77.0 million  and 
approximately $615.9 million of unused borrowing availability under its ABL Revolving Credit Facility to fund 
its operations, if necessary.  We believe our and our subsidiaries’ available cash and cash equivalents, other sources 
of liquidity to operate our business and operating performance provide us with a reasonable basis for our assessment 
that we can continue to support our intended dividend policy. 

Stock Performance Graph

In accordance with SEC rules, the information contained in the Stock Performance Graph below shall not 
be deemed to be “soliciting material,” or to be “filed” with the SEC, or subject to the SEC’s Regulation 14A or 
14C, other than as provided under Item 201(e) of Regulation S-K, or to the liabilities of Section 18 of the Securities 
Exchange Act of 1934, as amended, except to the extent that we specifically request that the information be treated 
as soliciting material or specifically incorporate it by reference into a document filed under the Securities Act of 
1933, as amended.

This performance graph and the related textual information are based on historical data and are not indicative 
of future performance. The following line graph compares the cumulative total return on an investment in our 
common stock against the cumulative total return of the S&P 500 Composite Index and an index of peer companies 
(that we selected) for the period commencing December 13, 2012 and ending December 31, 2013. Our peer group 
consists of the following companies that are engaged in refining operations in the U.S.: Alon USA Energy, Inc.; 
CVR Energy Inc.; Delek US Holdings, Inc.; HollyFrontier Corporation; Marathon Petroleum Corporation; Phillips 
66; Tesoro Corporation; Valero Energy Corporation; and Western Refining, Inc.

COMPARISON OF 1 YEAR CUMULATIVE TOTAL RETURN*
Among PBF Energy Inc., the S&P 500 Index, and a Peer Group

$160

$150

$140

$130

$120

$110

$100

$90

$80

$70

$60

12/13/12

12/13/12

12/31/13

PBF Energy Inc.

S&P 500

Peer Group

*$100 invested on 12/13/12 in stock or index, including reinvestment of dividends.
Fiscal year ending December 31.

Copyright© 2014 S&P, a division of The McGraw-Hill Companies Inc. All rights reserved.

43

 
PBF Energy Inc. Class A Common Stock
S&P 500
Peer Group

12/13/2012

12/31/2012

12/31/2013

$

$

100.00
100.00
100.00

$

110.67
100.91
103.11

124.73
133.59
149.73

Recent Sales of Unregistered Securities—Exchange of PBF LLC Series A Units to Class A Common Stock

In the fourth quarter of 2013, a total of 83,860 PBF LLC Series A Units were exchanged for 83,860 shares 
of our Class A common stock in transactions exempt from registration under Section 4(2) of the Securities Act. 
We received no other consideration in connection with these exchanges. No exchanges were made by any of our 
directors, executive officers or entities affiliated with Blackstone or First Reserve. 

Additionally, on January 6, 2014, Blackstone and First Reserve completed a public offering of 15,000,000 
shares of our Class A common stock at a price of $28.00 per share, less underwriting discounts and commissions, 
in a secondary public offering.  All of the shares were sold by funds affiliated with Blackstone and First Reserve.  
In connection with this offering, Blackstone and First Reserve exchanged 15,000,000 Series A Units of PBF LLC 
for an equivalent number of shares of our Class A common stock in a transaction exempt from registration under 
Section 4(2) of the Securities Act.  

Securities Authorized for Issuance Under Equity Compensation Plans

The  following  table  provides  information  about  the  securities  authorized  for  issuance  under  our  equity 
compensation plans as of December 31, 2013. The information regarding equity compensation plans approved by 
security holders represents our 2012 Equity Incentive Plan.

Equity Compensation Plan Information

(A)

Number of
securities to be
issued upon
exercise of
outstanding
options, warrants
and rights

(B)

(C)

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))

1,380,392

$

—
1,380,392

$

27.26

—
27.26

3,619,608

—
3,619,608

Plan Category
Equity compensation plans approved by
security holders
Equity compensation plans not approved by
security holders
Total

(1) Securities available for future issuance under the plan can be issued in various forms, including, without 
limitation, restricted stock and stock options.

ITEM 6. SELECTED FINANCIAL DATA

The following table presents selected historical consolidated financial and other data of PBF Energy  and 
PBF Holding. The data presented is PBF Energy's data, unless otherwise noted.  The selected historical consolidated 
financial data as of December 31, 2013 and 2012 and for each of the three years in the period ended December 31, 
2013  have  been  derived  from  our  audited  financial  statements,  included  in  “Item 8.  Financial  Statements  and 
Supplementary Data.” The selected historical consolidated financial data as of December 31, 2011, 2010, and 2009 
for the years ended December 31, 2010 and 2009 have been derived from the audited financials of  PBF LLC and 

44

 
 
 
 
PBF Holding not included in this Annual Report on Form 10-K. As a result of the Paulsboro and Toledo acquisitions, 
the historical consolidated financial results of PBF LLC and PBF Holding only include the results of operations 
for Paulsboro and Toledo from December 17, 2010 and March 1, 2011 forward, respectively.

The  historical  consolidated  financial  data  and  other  statistical  data  presented  below  should  be  read  in 
conjunction  with  “Item 7.  Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of 
Operations.” and our consolidated financial statements and the related notes thereto, included in “Item 8. Financial 
Statements and Supplementary Data.”

The historical financial information for all periods prior to PBF Energy's initial public offering included in 
this report were derived from the consolidated financial statements of PBF LLC and does not reflect what our 
financial position, results of operations, and cash flows would have been had we been a public company during 
those periods. We were not operated as a public company for historical periods presented prior to our initial public 
offering. The consolidated financial information may not be indicative of our future financial condition, results of 
operations or cash flows.

The following tables reflect our financial and operating highlights (amounts in thousands, except per share 
data) except for income taxes, net income attributable to noncontrolling interest and earnings per share for the 
years ended December 2013 and 2012, each of which apply only to the financial results of PBF Energy. In addition, 
general and administrative expenses for PBF Energy for the year ended December 31, 2013 include a charge of 
$8.5 million associated with a change in the tax receivable agreement liability. Total assets for PBF Energy include 
deferred tax assets which do not apply to PBF Holding.  PBF Holding's interest expense also includes interest 
related to an intercompany note with PBF Energy, which is eliminated in consolidation.  

45

Statement of operations data:
Revenues (1)
Costs and expenses:

Cost of sales, excluding
depreciation

Operating expenses, excluding
depreciation

General and administrative
expenses

Gain on sale of asset
Acquisition-related expenses (2)
Depreciation and amortization
expense

Income (loss) from operations

Other (expense) income:

Change in fair value of catalyst
lease obligation

Change in fair value of contingent
consideration

Interest income (expense), net

Income before income taxes

Income tax expense

Net income (loss)

Less: net income attributable to
noncontrolling interest
Net income attributable to PBF
Energy Inc.
Weighted-average shares of Class A
common stock outstanding:

Basic
Diluted

Net income available to Class A
common stock per share:

Basic

Diluted

Balance sheet data (at end of
period) :

Total assets
Total long-term debt (4)
Total equity
Other financial data :

Capital expenditures (5)

2013

2012

2011

2010

2009 (3)

Year Ended December 31,

$19,151,455

$ 20,138,687

$ 14,960,338

$ 210,671

$

228

17,803,314

18,269,078

13,855,163

203,971

812,652

738,824

658,831

25,140

—

—

104,334

(183)

—

111,479

319,859

120,443
(2,329)
—

92,238

920,433

86,183

15,859

6,294

—

728

—

6,051

—

—

53,743

305,690

1,402
(41,752)

44
(6,110)

—

(2,768)

(5,215)

(1,217)

—

—

—
(1,388)
(44,357)
—

10
(6,100)
—
$ (44,357) $ (6,100)

4,691

(93,784)

230,766

16,681

214,085

(3,724)
(108,629)
805,312

1,275

7,316
(65,120)
242,671

—

804,037

$

242,671

174,545

802,081

$

39,540

$

1,956

32,488,369
33,061,081

23,570,240
97,230,904

$

$

1.22

1.20

$

$

0.08

0.08

$ 4,413,808

$ 4,253,702

$ 3,621,109

$1,274,393

$ 19,150

747,576

729,980

804,865

1,715,256

1,723,545

1,110,918

325,064

458,661

—

18,694

$

415,702

$

222,688

$

574,883

$

72,118

$

70

46

 
 
 
 
(1)  Consulting services income provided to a related party was $10 and $221 for the years ended December 31, 

2010 and 2009, respectively. No consulting services income was earned subsequent to 2010.

(2)  Acquisition related expenses consist of consulting and legal expenses related to the Paulsboro and Toledo 

acquisition as well as non-consummated acquisitions.

(3)  December 31, 2009 financial statement data is that of PBF Investments LLC, which was converted to a 

limited liability company and renamed PBF Energy Company LLC in 2010. 

(4)  Total long-term debt includes current maturities and our Delaware Economic Development Authority Loan.
(5)  Includes expenditures for construction in progress, property, plant and equipment, deferred turnaround costs 

and other assets.

Selected Historical Financial Data of Paulsboro, PBF LLC’s Predecessor

The following table presents Paulsboro’s selected historical financial data. We refer to Paulsboro as PBF 
LLC’s “Predecessor” or “Predecessor Paulsboro,” as prior to its acquisition PBF LLC generated substantially no 
revenues and prior to the acquisition of Paulsboro and the Delaware City assets, was a new company formed to 
pursue acquisitions of crude oil refineries and downstream assets in North America. At the time of its acquisition, 
Paulsboro represented the major portion of PBF LLC’s business and assets.

The  financial  information  of  Predecessor  Paulsboro,  are  presented  as  of,  and  for  the  years  ended, 
December 31, 2009 and for the period from January 1, 2010 through December 16, 2010 and as of December 16, 
2010, periods prior to PBF LLC’s acquisition. These financial statements were prepared by the former management 
of Predecessor Paulsboro and audited by Predecessor Paulsboro’s independent registered public accounting firm. 
The financial information of Predecessor Paulsboro presented herein may not be representative of the operations 
of PBF going forward for the following reasons, among others:

•  Both PBF LLC’s financial statements and Paulsboro’s financial statements contain items which require 
management to make considerable judgments and estimates. There can be no assurance that the judgments 
and estimates made by PBF LLC’s management will be identical or even similar to the historical judgments 
and estimates made by Paulsboro’s former management.

•  The financial statements of Paulsboro contain allocations of certain general and administrative expenses 

and income taxes specific to Valero.

•  The financial statements of Paulsboro reflect depreciation and amortization expense and asset impairment 
losses based on Valero’s historical cost basis for the applicable assets. PBF LLC’s cost basis in such assets 
is different.

The historical financial data and other statistical data presented below should be read in conjunction with 
the  section  entitled  “Item  7.  Management’s  Discussion  and Analysis  of  Financial  Condition  and  Results  of 
Operations—Results of Operations.” The historical financial data for Paulsboro for the period from January 1, 
2010 through December 16, 2010 and as of December 16, 2010 and for the year ended December 31, 2009 has 
been derived from audited financial statements not included in this Annual Report on Form 10-K.

47

PAULSBORO REFINING BUSINESS—PBF LLC’S PREDECESSOR

Statement of operations data:
Operating revenues (1)
Cost and expenses:

Cost of sales (2)
Operating expenses
General and administrative expenses (3)
Asset impairment loss
Depreciation and amortization expense

Total costs and expenses

Operating income (loss)
Interest and other income and expense, net
Income (loss) before income tax expense (benefit)
Income tax expense (benefit) (4)
Net income (loss)
Balance sheet data (at end of period):
Total assets
Total liabilities
Net parent investment
Selected financial data:
Capital expenditures

Period from
January 1,
2010 through
December 16,
2010

Year Ended December 31,

2009

(in thousands)

$

4,708,989

$

3,549,517

4,487,825
259,768
14,606
895,642
66,361
5,724,202
(1,015,213)
500
(1,014,713)
(322,962)
(691,751) $

$

510,205
42,582
467,623

3,419,460
266,319
15,594
8,478
65,103
3,774,954
(225,437)
1,249
(224,188)
(86,586)
(137,602)

1,440,557
357,289
1,083,268

20,122

$

96,754

$

$

$

(1)  Operating  revenues  consist  of  refined  products  sold  from  Paulsboro  to  Valero  that  were  recorded  at 
intercompany transfer prices, which were market prices adjusted by quality, location, and other differentials 
on the date of the sale.

(2)  Cost of sales consist of the cost of feedstock acquired for processing, including transportation costs to 
deliver the feedstock to Paulsboro. Purchases of feedstock by Paulsboro from Valero were recorded at the 
cost paid to independent third parties by Valero.

(3)  General and administrative expenses include allocations and estimates of general and administrative costs 

of Valero that were attributable to the operations of Paulsboro.

(4)  The income tax provision represented the current and deferred income taxes that would have resulted if 
Paulsboro were a stand-alone taxable entity filing its own income tax returns. Accordingly, the calculations 
of current and deferred income tax provision require certain assumptions, allocations, and estimates that 
Paulsboro management believed were reasonable to reflect the tax reporting for Paulsboro as a stand-alone 
taxpayer.

48

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

The following review of our results of operations and financial condition should be read in conjunction with 
Items  1,  1A,  and  2,  “Business,  Risk  Factors,  and  Properties,”  Item 6,  “Selected  Financial  Data,”  and  Item 8, 
“Financial Statements and Supplementary Data,” respectively, included in this Annual Report on Form 10-K.

CAUTIONARY STATEMENT FOR THE PURPOSE OF SAFE HARBOR PROVISIONS OF THE 
PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995

This Annual Report on Form 10-K contains certain “forward-looking statements”, as defined in the Private 
Securities Litigation Reform Act of 1995, that involve risk and uncertainties. You can identify forward-looking 
statements because they contain words such as “believes,” “expects,” “may,” “should,” “seeks,” “approximately,” 
“intends,” “plans,” “estimates,” or “anticipates” or similar expressions that relate to our strategy, plans or intentions. 
All statements we make relating to our estimated and projected earnings, margins, costs, expenditures, cash flows, 
growth  rates  and  financial  results  or  to  our  expectations  regarding  future  industry  trends  are  forward-looking 
statements.  In  addition,  we,  through  our  senior  management,  from  time  to  time  make  forward-looking  public 
statements concerning our expected future operations and performance and other developments. These forward-
looking statements are subject to risks and uncertainties that may change at any time, and, therefore, our actual 
results may differ materially from those that we expected. We derive many of our forward-looking statements from 
our operating budgets and forecasts, which are based upon many detailed assumptions. While we believe that our 
assumptions are reasonable, we caution that it is very difficult to predict the impact of known factors, and, of 
course, it is impossible for us to anticipate all factors that could affect our actual results.

Important factors that could cause actual results to differ materially from our expectations, which we refer 
to as “cautionary statements,” are disclosed under “Item 1A. Risk Factors,” and "Item 7. Management's Discussion 
and Analysis of Financial Condition and Results of Operations" and elsewhere in this Annual Report on Form 10-
K. All forward-looking information in this Annual Report on Form 10-K and subsequent written and oral forward-
looking statements attributable to us, or persons acting on our behalf, are expressly qualified in their entirety by 
the cautionary statements. Some of the factors that we believe could affect our results include:

• supply, demand, prices and other market conditions for our products;

•  the effects of competition in our markets;

• changes in currency exchange rates, interest rates and capital costs;

•  adverse developments in our relationship with both our key employees and unionized employees;

• our ability to operate our businesses efficiently, manage capital expenditures and costs (including general 
and administrative expenses) and generate earnings and cash flow;

• our substantial indebtedness;

• our supply and inventory intermediation arrangements expose us to counterparty credit and performance risk; 

• termination of our Inventory Intermediation Agreements with J. Aron could have a material adverse effect 
on our liquidity, as we would be required to finance our refined products inventory covered by the agreements. 
Additionally, we are obligated to repurchase from J. Aron all volumes of products located at the Paulsboro 
and Delaware City refineries’ storage tanks upon termination of these agreements;

• restrictive covenants in our indebtedness that may adversely affect our operational flexibility;

• payments to the holders of PBF LLC Series A Units and PBF LLC Series B Units under our tax receivable 
agreement for certain tax benefits we may claim; 

• our  assumptions  regarding  payments  arising  under  the  tax  receivable  agreement  and  other  arrangements 
relating to our organizational structure are subject to change due to various factors, including, among other 
factors,  the  timing  of  exchanges  of  PBF  LLC  Series A  Units  for  shares  of  our  Class A  common  stock  as 

49

contemplated by the tax receivable agreement, the price of our Class A common stock at the time of such 
exchanges, the extent to which such exchanges are taxable, and the amount and timing of our income; 

• our expectations and timing with respect to our acquisition activity and whether any acquisitions are accretive 
or dilutive to shareholders; 

• our expectations with respect to our capital improvement projects including the development and expansion 
of our Delaware City crude unloading facilities and status of an air permit to transfer crude to Paulsboro;

• the impact of disruptions to crude or feedstock supply to any of our refineries, including disruptions due
to problems with third party logistics infrastructure or operations, including pipeline and rail transportation;

• the possibility that we might reduce or not make further dividend payments;

• the impact of current and future laws, rulings and governmental regulations, including any change by the 
federal government in the restrictions on exporting U.S. crude oil; 

• adverse  impacts  from  changes  in  our  regulatory  environment  or  actions  taken  by  environmental  interest 
groups; 

• the costs of being a public company, including Sarbanes-Oxley Act compliance;

• any decisions we make with respect to our energy-related logistical assets that could qualify for an MLP 
structure, including future opportunities that we may determine present greater potential value to stockholders 
than the planned MLP initial public offering;

• the timing and structure of the planned MLP initial public offering may change; 

• unanticipated developments may delay or negatively impact the planned MLP initial public offering; 

• receipt of regulatory approvals and compliance with contractual obligations required in connection with the 
planned MLP initial public offering; 

• the impact of the planned MLP initial public offering on our relationships with our employees, customers 
and vendors and our credit rating and cost of funds; and 

• although  we  are  no  longer  a  “controlled  company”  following  our  January  2014  Secondary  Offering, 
Blackstone and First Reserve continue to be able to significantly influence our decisions, and it is possible 
that their interests will conflict with ours. 

We caution you that the foregoing list of important factors may not contain all of the material factors that 
are important to you. In addition, in light of these risks and uncertainties, the matters referred to in the forward-
looking statements contained in this Annual Report on Form 10-K may not in fact occur. Accordingly, investors 
should not place undue reliance on those statements.

Our forward-looking statements speak only as of the date of this Annual Report on Form 10-K or as of the 
date which they are made. Except as required by applicable law, including the securities laws of the United States, 
we do not intend to update or revise any forward-looking statements. All subsequent written and oral forward-
looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by the 
foregoing.

Explanatory Note 

This consolidated Form 10-K is filed by PBF Energy Inc., PBF Holding Company LLC and PBF Finance 
Corporation. Each Registrant hereto is filing on its own behalf all of the information contained in this report that 
relates to such Registrant. Each Registrant hereto is not filing any information that does not relate to such Registrant, 
and therefore makes no representation as to any such information as of December 31, 2013. PBF Energy is the 
sole managing member of, and owner, as of December 31, 2013, of an equity interest representing approximately 
40.9% of the outstanding economic interests in, PBF LLC. PBF Holding is a wholly-owned subsidiary of PBF 

50

LLC and PBF Finance is a wholly-owned subsidiary of PBF Holding. PBF Holding is the parent company for PBF 
LLC's operating subsidiaries. 

PBF Holding is an indirect subsidiary of PBF Energy, representing 100% of PBF Energy’s consolidated 
revenue for the  year ended December 31, 2013 and constituting 100% of PBF Energy’s revenue generating assets 
as of December 31, 2013. 

Unless the context indicates otherwise, the terms “we,” “us,” and “our” refer to both PBF Energy and 

PBF Holding and subsidiaries. Discussions or areas of this report that either apply only to PBF Energy or PBF 
Holding are clearly noted in such sections.

Executive Summary

Our business operations are conducted by PBF LLC and its subsidiaries. We were formed in March 2008 to 
pursue the acquisitions of crude oil refineries and downstream assets in North America. We currently own and 
operate three domestic oil refineries and related assets located in Delaware City, Delaware, Paulsboro, New 
Jersey, and Toledo, Ohio, which we acquired in 2010 and 2011. Our refineries have a combined processing 
capacity, known as throughput, of approximately 540,000 bpd, and a weighted average Nelson Complexity 
Index of 11.3.

The following table summarizes our history and key events:

March 1, 2008

   PBF was formed.

June 1, 2010

The idle Delaware City refinery and its related assets were acquired from affiliates
of Valero Energy Corporation (“Valero”) for approximately $220.0 million.

December 17, 2010

The Paulsboro refinery and its related assets were acquired from affiliates of Valero
for approximately $357.7 million, excluding working capital.

March 1, 2011

The Toledo refinery and its related assets were acquired from Sunoco for
approximately $400.0 million, excluding working capital.

October 2011

   Delaware City became fully operational.

February 2012

December 2012

June 2013

January 2014

Our subsidiary, PBF Holding, issued $675.5 million aggregate principal amount of
8.25% Senior Secured Notes due 2020.

PBF Energy completed the initial public offering of its common equity selling a
total of 23,567,686 Class A common shares. In connection with the initial public
offering, PBF Energy became the sole managing member of PBF LLC.

Blackstone and First Reserve completed a secondary public offering selling a total
of 15,950,000 Class A common shares.

Blackstone and First Reserve completed a secondary public offering selling a total
of 15,000,000 Class A common shares.

Factors Affecting Comparability

Our results over the past three years have been affected by the following events, which must be understood 

in order to assess the comparability of our period to period financial performance and financial condition.

51

 
  
  
  
  
  
Acquisition of Toledo Refinery

Through our subsidiary, Toledo Refining, we acquired the Toledo refinery on March 1, 2011, from Sunoco 
for approximately $400.0 million, excluding working capital. We paid the purchase price with cash funded from 
equity and a $200.0 million seller note (the “Toledo Promissory Note”), which we repaid in February 2012 with 
proceeds  received  through  the  issuance  of  the  Senior  Secured  Notes.  We  also  purchased  refined  and  certain 
intermediate products in inventory for approximately $299.6 million with the proceeds from a note provided by 
Sunoco that we subsequently repaid on May 31, 2011 with proceeds from our ABL Revolving Credit Facility, and 
MSCG purchased the refinery’s crude oil inventory on our behalf. Additionally, included in the terms of the sale 
was a five-year participation payment of up to $125.0 million payable to Sunoco based upon post-acquisition 
earnings of the refinery, of which the maximum aggregate amount of $125.0 million was paid as of April 2013.

The acquisition was accounted for using the acquisition method of accounting with the preliminary purchase 
price allocated to the assets acquired and liabilities assumed based on their estimated fair values. The results of 
operations of the Toledo refinery have been included in our consolidated financial statements as of March 1, 2011.

Toledo has a throughput capacity of 170,000 bpd and a Nelson Complexity Index of 9.2. Toledo processes 
a slate of light, sweet crudes from Canada, the Midcontinent, the Bakken region and the U.S. Gulf Coast. The 
Toledo refinery is located on a 282-acre site near Toledo, Ohio, approximately 60 miles from Detroit.

Amended and Restated ABL Revolving Credit Facility

On  May 31,  2011,  we  amended  the  terms  of  our ABL  Revolving  Credit  Facility  to  increase  its  size  to 
$500.0 million and included certain inventory and accounts receivable of the Toledo refinery in the borrowing 
base. In addition, the interest rate was changed to the Adjusted LIBOR Rate plus 2.00% to 2.50%, depending on 
the excess availability, as defined, and the maturity date was extended to May 31, 2016. On an ongoing basis, the 
ABL Revolving Credit Facility is available to be used for working capital and other general corporate purposes. 
In March, August, and September 2012, we amended the ABL Revolving Credit Facility again to increase the 
aggregate size from $500.0 million to $750.0 million, $950.0 million, and $965.0 million, respectively. In addition, 
the ABL  Revolving  Credit  Facility  was  amended  and  restated  on  October 26,  2012  to  increase  the  maximum 
availability to $1.375 billion, extend the maturity date to October 26, 2017 and amend the borrowing base to include 
non-U.S. inventory, and was further amended on December 28, 2012 to increase the maximum availability to 
$1.575 billion. The amended and restated ABL Revolving Credit facility includes an accordion feature which 
allows for commitments of up to $1.8 billion. The agreement was expanded again in November 2013 to increase 
the maximum availability to $1.610 billion. 

Letter of Credit Facility

On January 25, 2011, we entered into a short-term letter of credit facility, which was subsequently amended 
on April 26, 2011 and April 24, 2012, under which we could obtain letters of credit up to $750.0 million composed 
of a committed maximum amount of $500.0 million and an uncommitted maximum amount of $250.0 million to 
support certain of our crude oil purchases. As a result of the increased size of the amended and restated ABL 
Revolving Credit Facility, we terminated the letter of credit facility in December 2012.

Senior Secured Notes Offering

On February 9, 2012, PBF Holding and PBF Finance Corporation issued $675.5 million aggregate principal 
amount of 8.25% Senior Secured Notes, due 2020 (which we refer to as the “senior secured notes offering”). The 
net proceeds from the offering of approximately $665.8 million were used to repay our Paulsboro Promissory Note 
in the amount of $160.0 million, our Term Loan in the amount of $123.8 million, our Toledo Promissory Note in 
the amount of $181.7 million, and to reduce indebtedness under the ABL Revolving Credit Facility.

52

PBF Energy Inc. Public Offerings

On December 12, 2012, PBF Energy completed an initial public offering of 23,567,686 shares of its Class A 
common stock at a public offering price of $26.00 per share. The initial public offering subsequently closed on 
December 18, 2012. PBF Energy used the net proceeds of the offering to acquire approximately 24.4% of the 
membership interests in PBF LLC from certain of its existing members. As a result of the initial public offering 
and  related  reorganization  transactions,  PBF  Energy  became  the  sole  managing  member  of  PBF  LLC  with  a 
controlling voting interest in PBF LLC and its subsidiaries. Effective with completion of the initial public offering, 
PBF Energy consolidates the financial results of PBF LLC and its subsidiaries and records a noncontrolling interest 
in  its  consolidated  financial  statements  representing  the  economic  interests  of  noncontrolling  PBF  LLC  units 
holders. PBF LLC is PBF Energy’s predecessor for accounting purposes. The financial statements and results of 
operations for periods prior to the completion of PBF Energy’s initial public offering and the related reorganization 
transactions are those of PBF LLC.

Additionally, on June 12, 2013, Blackstone and First Reserve completed a public offering of 15,950,000 
shares of our Class A common stock at a price of $27.00 per share, less underwriting discounts and commissions, 
in a secondary public offering, which we refer to as the June 2013 Secondary Offering.  All of the shares were sold 
by funds affiliated with Blackstone and First Reserve and we did not receive any of the proceeds from the sale of 
these shares.  In connection with this offering, Blackstone and First Reserve exchanged 15,950,000 Series A Units 
of PBF LLC for an equivalent number of shares of our Class A common stock.  The holders of PBF LLC Series 
B Units, which include certain executive officers of PBF Energy, had the right to receive a portion of the proceeds 
of the sale of the PBF Energy Class A common stock by Blackstone and First Reserve. 

As of December 31, 2013, Blackstone and First Reserve and our executive officers and directors and certain 
employees beneficially owned 57,201,674 PBF LLC Series A Units (we refer to all of the holders of the PBF LLC 
Series A Units as “the members of PBF LLC other than PBF Energy”) and we owned 39,665,473 PBF LLC Series 
C Units, and the members of PBF LLC other than PBF Energy through their holdings of Class B common stock 
had 59.1% of the voting power in us, and the holders of our issued and outstanding shares of Class A common 
stock had 40.9% of the voting power in us. 

Tax Receivable Agreement

In connection with our initial public offering, we entered into a tax receivable agreement pursuant to which 
we are required to pay the members of PBF LLC, who exchange their units for PBF Energy Class A common stock 
or whose units we purchase, approximately 85% of the cash savings in income taxes that we realize as a result of 
the increase in the tax basis of our interest in PBF LLC, including tax benefits attributable to payments made under 
the tax receivable agreement. We have recognized, as of December 31, 2013, a liability for the tax receivable 
agreement of $287.3 million reflecting our estimate of the undiscounted amounts that we expect to pay under the 
agreement due to exchanges in connection with our public offerings. Our estimate of the tax agreement liability 
is based on forecasts of future taxable income over the anticipated life of our future business operations, assuming 
no material changes in the relevant tax law. Periodically, we may adjust the liability based on an updated estimate 
of the amounts that we expect to pay, using assumptions consistent with those used in our concurrent estimate of 
the deferred tax asset valuation allowance. For example, we must adjust the estimated tax receivable agreement 
liability each time we purchase PBF LLC Series A Units or upon an exchange of PBF LLC Series A Units for our 
Class A common stock. These periodic adjustments to the tax receivable liability, if any,  are recorded in general 
and administrative expense and may result in adjustments to our income tax expense and deferred tax assets and 
liabilities.

Renewable Fuels Standard

We have seen an escalation in the cost of renewable fuel credits, known as RINs,  required  for  compliance  
with  the  Renewable  Fuels  Standard.  We incurred approximately $126.4 million in RINs costs during the year 
ended December 31, 2013 as compared to $43.7 million and  $25.9 million during the years ended December 31, 
2012 and 2011, an increase due primarily to higher prices for ethanol-linked RINs and increases in our production 

53

 
of on-road transportation fuels since 2011.  Our RINs purchase obligation is dependent on our actual shipment of 
on-road transportation fuels domestically and the amount of blending achieved.

Factors Affecting Operating Results

Overview

Our earnings and cash flows from operations are primarily affected by the relationship between refined 
product prices and the prices for crude oil and other feedstocks. The cost to acquire crude oil and other feedstocks 
and the price of refined petroleum products ultimately sold depends on numerous factors beyond our control, 
including the supply of, and demand for, crude oil, gasoline, diesel and other refined petroleum products, which, 
in turn, depend on, among other factors, changes in global and regional economies, weather conditions, global and 
regional political affairs, production levels, the availability of imports, the marketing of competitive fuels, pipeline 
capacity, prevailing exchange rates and the extent of government regulation. Our revenue and operating income 
fluctuate significantly with movements in industry refined petroleum product prices, our materials cost fluctuate 
significantly with movements in crude oil prices and our other operating expenses fluctuate with movements in 
the price of energy to meet the power needs of our refineries. In addition, the effect of changes in crude oil prices 
on our operating results is influenced by how the prices of refined products adjust to reflect such changes.

Crude oil and other feedstock costs and the prices of refined petroleum products have historically been 
subject to wide fluctuation. Expansion and upgrading of existing facilities and installation of additional refinery 
distillation or conversion capacity, price volatility, international political and economic developments and other 
factors beyond our control are likely to continue to play an important role in refining industry economics. These 
factors can impact, among other things, the level of inventories in the market, resulting in price volatility and a 
reduction or increase in product margins. Moreover, the industry typically experiences seasonal fluctuations in 
demand for refined petroleum products, such as for gasoline and diesel, during the summer driving season and for 
home heating oil during the winter.

Benchmark Refining Margins

In assessing our operating performance, we compare the refining margins (revenue less materials cost) of 
each of our refineries against a specific benchmark industry refining margin based on a crack spread. Benchmark 
refining margins take into account both crude and refined petroleum product prices. When these prices are combined 
in a formula they provide a single value—a gross margin per barrel—that, when multiplied by a throughput number, 
provides an approximation of the gross margin generated by refining activities.

The performance of our East Coast refineries generally follows the currently published Dated Brent (NYH) 
2-1-1 benchmark refining margins. For our Toledo refinery, we utilize a composite benchmark refining margin, 
the WTI (Chicago) 4-3-1 that is based on publicly available pricing information for products trading in the Chicago 
and United States Gulf Coast markets.

While the benchmark refinery margins presented below under “Results of Operations—Market Indicators” 
are representative of the results of our refineries, each refinery’s realized gross margin on a per barrel basis will 
differ from the benchmark due to a variety of factors affecting the performance of the relevant refinery to its 
corresponding benchmark. These factors include the refinery’s actual type of crude oil throughput, product yield 
differentials and any other factors not reflected in the benchmark refining margins, such as transportation costs, 
storage costs, credit fees, fuel consumed during production and any product premiums or discounts, as well as 
inventory fluctuations, timing of crude oil and other feedstock purchases, a rising or declining crude and product 
pricing environment and commodity price management activities. As discussed in more detail below, each of our 
refineries,  depending  on  market  conditions,  has  certain  feedstock-cost  and  product-value  advantages  and 
disadvantages as compared to the refinery’s relevant benchmark.

54

Credit Risk Management

Credit risk refers to the risk that a counterparty will default on its contractual obligations resulting in financial 
loss to us. Our exposure to credit risk is reflected in the carrying amount of the receivables that are presented in 
our balance sheet. To minimize credit risk, all customers are subject to extensive credit verification procedures 
and extensions of credit above defined thresholds are to be approved by the senior management. Our intention is 
to trade only with recognized creditworthy third parties. In addition, receivable balances are monitored on an 
ongoing basis. We also limit the risk of bad debts by obtaining security such as guarantees or letters of credit.

Other Factors

We currently source our crude oil for Paulsboro and Delaware City on a global basis through a combination 
of market purchases and short-term purchase contracts, and through our crude supply agreements with Statoil and 
Saudi Aramco. Our crude supply agreement with Statoil for Paulsboro was terminated effective March 31, 2013, 
at which time we began to source Paulsboro’s crude oil and feedstocks internally. Our crude supply agreement 
with Statoil for Delaware City has been extended by Statoil through December 31, 2015 and we have recently 
entered into certain amendments to that agreement that are effective through the extended term. In addition, we 
have a contract with the Saudi Arabian Oil Company (“Saudi Aramco”) to purchase crude oil, and also purchase 
on  the  spot  market  from  Saudi Aramco  when  strategic  opportunities  arise.  We  have  been  purchasing  up  to 
approximately 100,000 bpd of crude oil from Saudi Aramco that is processed at Paulsboro. Our Toledo refinery 
sources domestic and Canadian crude oil through similar market purchases through our crude supply contract with 
MSCG. We believe purchases based on market pricing has given us flexibility in obtaining crude oil at lower prices 
and on a more accurate “as needed” basis. Since our Paulsboro and Delaware City refineries access their crude 
slates from the Delaware River via ship or barge and through our rail facilities at Delaware City, these refineries 
have the flexibility to purchase crude oils from the Midcontinent and Western Canada, as well as a number of 
different countries.

During 2012, we expanded and upgraded the existing on-site railroad infrastructure at the Delaware City 
refinery, including the expansion of the crude rail unloading facilities that was completed in February 2013 and is 
capable of discharging approximately 110,000 bpd, consisting of 40,000 bpd of heavy crude oil and 70,000 bpd 
of light crude oil.  However, due to greater operating efficiency, discharge capacity for light crude oil at our dual-
loop  track  at  the  Delaware  City  refinery  has  increased  from  70,000  bpd  to  approximately  105,000  bpd.    In 
conjunction with the development of our rail crude unloading facilities at Delaware City, we constructed a railcar 
storage yard with capacity for 330 railcars that is integral to railcar staging and storage and helps facilitate daily 
rail traffic at the refinery. Also in 2013 we commenced a third rail crude offloading project to add an additional 
40,000 bpd of heavy crude rail unloading capability at the refinery, which is expected to be completed by the 
second half of 2014.  Completion of this third rail project will increase our discharge capacity of heavy crude oil 
from 40,000 bpd to 80,000 bpd and bring the total rail crude unloading capability up to 185,000 bpd. As a result 
of our crude rail unloading facility expansion, the delivery of coiled and insulated railcars, the development of 
crude rail loading infrastructure in Canada and the use of unit trains, we expect to be capable of taking delivery 
of approximately 80,000 bpd of Canadian heavy crude oil at the Delaware City refinery by the end of 2014. We 
are also adding additional unloading spots to the dual-loop track to increase unloading capabilities at that facility 
to approximately 130,000 bpd. Completion of these additional rail projects will increase our discharge capacity of 
heavy crude oil from 40,000 bpd to 80,000 bpd and bring the total rail crude unloading capability up to 210,000 
bpd by the end of 2014, subject to the delivery of coiled and insulated railcars, the development of crude rail loading 
infrastructure in Canada and the use of unit trains.

 During 2012 and January 2013, we have entered into agreements to lease or purchase 5,900 crude railcars 
which will enable us to transport this crude to each of our refineries. Of the 5,900 crude railcars, we recently 
purchased 717 railcars, and subsequently sold them to a third party, which has leased the railcars back to us for 
periods of between four and six years. This transportation flexibility allows our East Coast refineries to process 
the most cost advantaged crude available.

55

Our operating cost structure is also important to our profitability. Major operating costs include costs relating 
to employees and contract labor, energy, maintenance and environmental compliance, and renewable fuel credits, 
known as RINs, required for compliance with the Renewable Fuels Standard. The predominant variable cost is 
energy, in particular, the price of utilities, natural gas and chemicals.

Our operating results are also affected by the reliability of our refinery operations. Unplanned downtime of 
our refinery assets generally results in lost margin opportunity and increased maintenance expense. The financial 
impact of planned downtime, such as major turnaround maintenance, is managed through a planning process that 
considers such things as the margin environment, the availability of resources to perform the needed maintenance 
and feedstock logistics, whereas unplanned downtime does not afford us this opportunity.

Refinery-Specific Information

The following section includes refinery-specific information related to crude differentials, ancillary costs, 

and local premiums and discounts.

Delaware City Refinery. The benchmark refining margin for the Delaware City refinery is calculated by 
assuming that two barrels of the benchmark Dated Brent crude oil are converted into one barrel of gasoline and 
one barrel of heating oil. We calculate this refining margin using the New York Harbor market value of gasoline 
and heating oil against the market value of Dated Brent crude oil and refer to the benchmark as the Dated Brent 
(NYH) 2-1-1 benchmark refining margin. Our Delaware City refinery has a product slate of approximately 53.5% 
gasoline, 32.5% distillate (consisting of ULSD, marketed as ULSD or low sulfur heating oil, and conventional 
heating oil), 1% high-value petrochemicals, with the remaining portion of the product slate comprised of lower-
value products (5% petroleum coke, 5% LPGs and 3% other). For this reason, we believe the Dated Brent (NYH) 
2-1-1 is an appropriate benchmark industry refining margin. The majority of Delaware City revenues are generated 
off NYH-based market prices.

The Delaware City refinery’s realized gross margin on a per barrel basis has historically differed from the 

Dated Brent (NYH) 2-1-1 benchmark refining margin due to the following factors:

• 

• 

the Delaware City refinery processes a slate of primarily medium and heavy, and sour crude oil, which has 
constituted approximately 65% to 70% of total throughput. The remaining throughput consists of sweet crude 
oil and other feedstocks and blendstocks. In addition, we are currently processing a significant volume of price-
advantaged crude. Our total throughput costs have historically priced at a discount to Dated Brent; and
as a result of the heavy, sour crude slate processed at Delaware City, we produce low value products including 
sulfur and petroleum coke. These products are priced at a significant discount to gasoline, ULSD and heating 
oil and represent approximately 5.5% of our total production volume.

Paulsboro Refinery. The benchmark refining margin for the Paulsboro refinery is calculated by assuming 
that two barrels of the benchmark Dated Brent crude oil are converted into one barrel of gasoline and one barrel 
of heating oil. We calculate this refining margin using the New York Harbor market value of gasoline and heating 
oil against the market value of Dated Brent crude oil and refer to the benchmark as the Dated Brent (NYH) 2-1-1 
benchmark  refining  margin.  Our  Paulsboro  refinery  has  a  product  slate  of  approximately  37% gasoline,  41% 
distillate (comprised of jet fuel, ULSD and heating oil), 5.5% high-value Group I lubricants, with the remaining 
portion of the product slate comprised of lower-value products (3% petroleum coke, 4% LPGs, 3% fuel oil, 6% 
asphalt and 0.5% other). For this reason, we believe the Dated Brent (NYH) 2-1-1 is an appropriate benchmark 
industry refining margin. The majority of Paulsboro revenues are generated off NYH based market prices.

The Paulsboro refinery’s realized gross margin on a per barrel basis has historically differed from the Dated 

Brent (NYH) 2-1-1 benchmark refining margin due to the following factors:

• 

the Paulsboro refinery has generally processed a slate of primarily medium and heavy, and sour crude oil, 
which has historically constituted approximately 65% to 70% of total throughput. The remaining throughput 
consists of sweet crude oil and other feedstocks and blendstocks. We are now also running a significant volume 
of price advantaged domestic crudes. These feedstocks historically have priced at a discount to Dated Brent;

56

• 

• 

as a result of the heavy, sour crude slate processed at Paulsboro, we produce low value products including 
sulfur, petroleum coke and fuel oil. These products are priced at a significant discount to gasoline and heating 
oil and represent approximately 6% to 7.5% of our total production volume; and
the Paulsboro refinery produces Group I lubricants which, through an extensive production process, have a 
low volume yield which limits the volume expansion on crude inputs.

Toledo Refinery. The benchmark refining margin for the Toledo refinery is calculated by assuming that four 
barrels of benchmark WTI crude oil are converted into three barrels of gasoline, one-half barrel of ULSD and one-
half barrel of jet fuel. We calculate this refining margin using the Chicago market values of gasoline and ULSD 
and the United States Gulf Coast value of jet fuel against the market value of WTI crude oil and refer to this 
benchmark as the WTI (Chicago) 4-3-1 benchmark refining margin. Our Toledo refinery has a product slate of 
approximately 50% gasoline, 36.5% distillate (comprised of approximately 49.5% jet fuel and 50.5% ULSD), 5% 
high-value petrochemicals (including nonene, tetramer, benzene, xylene and toluene) with the remaining portion 
of the product slate comprised of lower-value products (6% LPGs, 2% fuel oil and 0.5% other). For this reason, 
we believe the WTI (Chicago) 4-3-1 is an appropriate benchmark industry refining margin. The majority of Toledo 
revenues are generated off Chicago-based market prices.

The Toledo refinery’s realized gross margin on a per barrel basis has historically differed from the WTI 

(Chicago) 4-3-1 benchmark refining margin due to the following factors:

• 

• 

• 

the Toledo refinery processes a slate of domestic sweet and Canadian synthetic crude oil. Historically, Toledo’s 
blended average crude costs have been higher than the market value of WTI crude oil;
the Toledo refinery is connected to its distribution network through a variety of third party product pipelines. 
While lower in cost when compared to barge or rail transportation, the inclusion of transportation costs increases 
our overall cost relative to the 4-3-1 benchmark refining margin; and
the Toledo refinery generates a pricing benefit on some of its products, primarily its petrochemicals.

57

Results of Operations

The following tables reflect our financial and operating highlights for the years ended December 31, 2013, 
2012 and 2011 (amounts in thousands, except per share data) except for income taxes, net income attributable to 
noncontrolling interest and earnings per share, each of which apply only to the financial results of PBF Energy. In 
addition, general and administrative expenses for PBF Energy for the year ended December 31, 2013 include a 
charge of $8.5 million associated with a change in the tax receivable agreement liability. PBF Holding's interest 
expense  also  includes  interest  related  to  an  intercompany  note  with  PBF  Energy,  which  is  eliminated  in 
consolidation.  

Year Ended December 31,

$

2013
19,151,455

17,803,314

1,348,141
812,652

$

2012
20,138,687

18,269,078

1,869,609
738,824

2011
14,960,338

13,855,163

1,105,175
658,831

86,183

—

728

53,743

305,690

(5,215)
7,316
(65,120)
242,671

—

120,443
(2,329)
—

92,238

920,433

(2,768)
(3,724)
(108,629)
805,312

1,275

804,037

$

242,671

802,081

1,956

1,046,598

$

417,962

0.08

0.08

104,334
(183)
—

111,479

319,859

—

4,691
(93,784)
230,766

16,681

214,085

174,545

39,540

436,867

1.22

1.20

$

$

$

$

Revenue

Cost of sales, excluding depreciation

Gross refining margin (1)

Operating expenses, excluding depreciation

General and administrative expenses

Gain on sale of asset

Acquisition-related expenses

Depreciation and amortization expense

Income from operations

Change in fair value of contingent
consideration

Change in fair value of catalyst leases

Interest income (expense), net

Income before income taxes

Income tax expense

Net income

Less: net income attributable to
noncontrolling interest

Net income attributable to PBF Energy Inc.

Gross margin
Net income available to Class A common stock
per share:

Basic

Diluted

 ——————————

(1)  See Gross Refining Margin below.

$

$

$

$

$

58

 
 
 
The table below summarizes certain market indicators relating to our operating results as reported by 

Platts.

Year Ended December 31,

2013

2012

2011

Dated Brent Crude
West Texas Intermediate (WTI) crude oil
Crack Spreads

(dollars per barrel, except as noted)
$
$

108.66
97.99

$
$

$
$
$
$
$
$
$
$

Dated Brent (NYH) 2-1-1
WTI (Chicago) 4-3-1

Crude Oil Differentials

Dated Brent (foreign) less WTI
Dated Brent less Maya (heavy, sour)
Dated Brent less WTS (sour)
Dated Brent less ASCI (sour)
WTI less WCS (heavy, sour)
WTI less Bakken (light, sweet)
WTI less Syncrude (light, sweet)

Natural gas (dollars per MMBTU)
Key Operating Information
Production (barrels per day in thousands)
Crude oil and feedstocks throughput (barrels per
day in thousands)

Total crude oil and feedstocks throughput (millions
of barrels)

12.34
20.09

10.67
11.38
13.31
6.67
24.62
5.12
0.63
3.73

451.0

452.8

165.3

$
$

$
$

$
$
$
$
$
$
$
$

$
$

$
$

$
$
$
$
$
$
$
$

111.67
94.13

14.29
27.13

17.54
12.04
22.95
4.97
21.80
5.77
0.96
2.83

464.4

463.2

169.5

111.26
95.04

9.93
24.14

16.22
12.63
18.28
3.82
15.63
(3.31)
(9.79)
4.00

427.9

429.4

128.7

 2013 Compared to 2012

Overview— Net income for PBF Energy was $214.1 million for the year ended December 31, 2013 compared 
to $804.0 million for the year ended December 31, 2012. Net income attributable to PBF Energy was $39.5 million, 
or $1.20 per diluted share ($1.48 per share on a fully exchanged, fully diluted basis based on adjusted pro forma 
net income as described below in Non-GAAP Financial Measures), for the year ended December 31, 2013. The 
net income attributable to PBF Energy represents PBF Energy’s equity interest in PBF LLC’s pre-tax income, less 
applicable income taxes, of approximately 24.4% prior to the June 2013 Secondary Offering and approximately 
40.9% subsequent to the June 2013 Secondary Offering.  Net income for PBF Holding, which does not include 
income tax benefits or the expense associated with the change in our tax receivable agreement liability, was $238.9 
million for the year ended December 31, 2013 compared to $805.3 million for the year ended December 31, 2012.  

Our throughput rates during the year ended December 31, 2013 and 2012, were impacted by unplanned 
downtime at our Toledo refinery and planned downtime at our Delaware City refinery.  On January 31, 2013 there 
was a brief fire within the fluid catalytic cracking complex at the Toledo refinery that resulted in that unit being 
temporarily shutdown. The refinery resumed running at planned rates on February 18, 2013.   During the fourth 
quarter of 2013, our Delaware City Refinery was impacted by a 40-day planned turnaround of the coker unit.  In 
the first quarter of 2012, the Toledo refinery was impacted by a 30-day turnaround of its hydrocracker, reformer 
and UDEX units which commenced on March 9, 2012. Our results for the year ended December 31, 2013 were 
unfavorably impacted by lower crack spreads and the result of  unfavorable crude differentials, higher operating 

59

 
 
 
 
expenses due to increased energy costs, repair and restart costs related to the Toledo fire, turnaround at the Delaware 
City refinery, as well as higher costs of compliance with the Renewable Fuels Standard. 

Revenues— Revenues totaled $19.2 billion for the year ended December 31, 2013 compared to $20.1 billion 
for the year ended December 31, 2012, a decrease of $1.0 billion, or 4.9%.  For the year ended December 31, 2013, 
the total throughput rates in the East Coast and Mid-Continent refineries averaged approximately 310,300 bpd and 
142,500 bpd, respectively. For the year ended December 31, 2012, the total throughput rates at our East Coast and 
Mid-Continent refineries averaged approximately 316,000 bpd, and 147,200 bpd, respectively. The decrease in 
throughput rates at our East Coast refineries in 2013 compared to 2012 was primarily driven by market factors 
including narrower crude differentials for rail-delivered crude as well as the Delaware City coker unit turnaround 
which reduced crude run rates during the period.  The decrease in throughput rates at our Mid-Continent refinery 
in 2013 compared to 2012 was primarily due to the refinery's 18-day unplanned down time in the first quarter of 
2013, attributable to the fire at the Toledo refinery as described above, as well as refinery maintenance.  For the 
year ended December 31, 2013, the total barrels sold at our East Coast and Mid-Continent refineries averaged 
approximately 307,600 bpd and 153,700 bpd, respectively. For the year ended December 31, 2012, the total barrels 
sold  at  our  East  Coast  and  Mid-Continent  refineries  averaged  approximately  311,900  bpd  and  159,000  bpd, 
respectively.  Total barrels sold at our Mid-Continent refinery are typically higher than throughput rates, reflecting 
sales and purchases of refined products outside the refinery.  Total barrels sold at our East Coast refineries typically 
reflect inventory movements in addition to throughput rates.

Gross Margin— Gross refining margin (as defined below in Non-GAAP Financial Measures) totaled $1,348.1 
million, or $8.16 per barrel of throughput, for the year ended December 31, 2013 compared to $1,869.6 million, 
or $11.03 per barrel of throughput during the year ended December 31, 2012, a decrease of $521.5 million. Gross 
margin,  including  refinery  operating  expenses  and  depreciation,  totaled  $436.9  million,  or  $2.64 per  barrel  of 
throughput, for the year ended December 31, 2013, compared to $1,046.6 million, or $6.17 per barrel of throughput, 
for the year ended December 31, 2012, a decrease of $609.7 million. The decrease in gross refining margin was 
primarily  due  to  reduced  throughput  rates,  unfavorable  movement  in  crude  differentials,  and  higher  costs  of 
compliance with the Renewable Fuels Standard. 

Average industry refining margins in the U.S. Mid-Continent were generally weaker during the year ended 
December 31, 2013, as compared to the same period in 2012. The WTI (Chicago) 4-3-1 industry crack spread was 
approximately $20.09 per barrel or 25.9% lower in the year ended December 31, 2013, as compared to the same 
period in 2012. Additionally, the price of WTI versus Syncrude and Bakken decreased in 2013, which negatively 
impacted our overall cost of crude. 

The Dated Brent (NYH) 2-1-1 industry crack spread was approximately $12.34 per barrel, or 13.6%, lower 
in the year ended December 31, 2013, as compared to the same period in 2012.  Furthermore, the WTI/Dated Brent 
differential was $6.87 lower in the year ended December 31, 2013, as compared to the same period in 2012 and 
the Dated Brent/Maya differential was approximately $0.66 per barrel lower in the year ended December 31, 2013 
as compared to the same period in 2012. A decrease in the WTI/Dated Brent crude differential unfavorably impacts 
our East Coast refineries which have increased shipments of WTI based crudes from the Bakken and Western 
Canada. A reduction in the Dated Brent/Maya crude differential, our proxy for the light/heavy crude differential, 
has a negative impact on our East Coast refineries, which can process a large slate of medium and heavy, sour 
crude oil that is priced at a discount to light, sweet crude oil. 

Operating Expenses— Operating expenses totaled $812.7 million, or $4.92 per barrel of throughput, for the 
year ended December 31, 2013 compared to $738.8 million, or $4.36 per barrel of throughput, for the year ended 
December 31, 2012, an increase of $73.9 million, or 10.0%. The increase in operating expenses is mainly attributable 
to an increase of approximately $41.3 million in energy and utilities costs, primarily driven by higher natural gas 
prices, $11.0 million in increased personnel cost associated with higher headcount attributable to the Delaware rail 
facility expansion, $8.0 million in repair and restart costs related to the Toledo fire described above, $14.3 million 
in increased outside engineering and consulting fees related to refinery capital and maintenance projects, and $2.2 

60

million in higher regulatory costs and taxes. Our operating expenses principally consist of salaries and employee 
benefits, maintenance, energy and catalyst and chemicals costs at our refineries. 

General and Administrative Expenses— General and administrative expenses totaled $104.3 million for the 
year ended December 31, 2013, compared to $120.4 million for the year ended December 31, 2012, an decrease 
of $16.1 million or 13.4%. The decrease in general and administrative expenses primarily relates to lower employee 
compensation expense of $30.1 million, which is partially offset by $8.5 million of expense associated with the 
change in our tax receivable agreement liability and $7.6 million in costs associated with being a public company. 
Our general and administrative expenses are comprised of the personnel, facilities and other infrastructure costs 
necessary to support our refineries. 

General  and  administrative  expenses  for  PBF  Holding,  which  do  not  include  the  $8.5  million  expense 
associated  with  PBF  Energy's  tax  receivable  agreement  liability,  totaled  $95.8  million  for  the  year  ended 
December 31, 2013, compared to $120.4 million for the year ended December 31, 2012.

Gain on Sale of Assets— Gain on sale of assets for the year ended December 31, 2013 was $183.0 thousand 
which related to the sale of railcars which were subsequently leased back, compared to a gain of $2.3 million for 
the year ended December 31, 2012, for the sale of certain equipment at Paulsboro and Delaware City. 

Depreciation and Amortization Expense— Depreciation and amortization expense totaled $111.5 million 
for the year ended December 31, 2013, compared to $92.2 million for the year ended December 31, 2012, an 
increase of $19.3 million. The increase was principally due to capital projects including the expansion of the crude 
rail unloading facility completed in the first quarter of 2013 as well as new system implementations at the corporate 
level during 2012.

Change in Fair Value of Catalyst Leases— Change in the fair value of catalyst leases represented a gain of 
$4.7  million  for  the  year  ended  December 31,  2013,  compared  to  a  loss  of  $3.7  million  for  the  year  ended 
December 31, 2012. This gain relates to the change in value of the precious metals underlying the sale and leaseback 
of our refineries’ precious metals catalyst, which we are obligated to return or repurchase at fair market value on 
the lease termination dates. 

Change in Fair Value of Contingent Consideration— In 2013, there was no change in the fair value of 
contingent consideration related to the Toledo refinery acquisition and the liability was paid in full in April 2013.

Interest  Expense,  net—  Interest  expense  totaled  $93.8  million  for  the  year  ended  December 31,  2013, 
compared to $108.6 million for the year ended December 31, 2012, a decrease of $14.8 million. Interest expense 
includes interest on long-term debt, costs related to the sale and leaseback of our precious metals catalyst, interest 
expense incurred in connection with our crude and feedstock supply agreements with Statoil and MSCG, financing 
cost associated with the Inventory Intermediation Agreements, letter of credit fees associated with the purchase of 
certain crude oils, and the amortization of deferred financing fees. The decrease in interest expense primarily relates 
to lower interest costs associated with our credit facilities reflecting lower average outstanding borrowings, reduced 
financing costs related to the termination of the Paulsboro Statoil supply agreement, and the $4.4 million write-
off of deferred financing costs in the first quarter of 2012 on debt that was repaid from the proceeds of our 2012 
senior secured notes offering. 

Income Tax Expense— As PBF LLC is a limited liability company treated as a "flow-through" entity for 
income tax purposes, the members of PBF LLC are required to include their proportionate share of PBF LLC’s 
taxable income or loss on their respective tax returns. Accordingly, PBF Energy’s consolidated financial statements 
do not include a benefit or provision for income taxes for periods prior to the closing of our initial public offering 
on December 18, 2012. However, PBF LLC generally made distributions to its members, per the terms of the PBF 
LLC limited liability agreement, related to such taxes. Effective with the completion of the initial public offering 
of PBF Energy, we recognize an income tax expense or benefit in our consolidated financial statements based on 

61

PBF Energy's allocable share of PBF LLC’s pre-tax income (loss), which was approximately 24.4% prior to the 
June 2013 Secondary Offering and 40.9% subsequent to the June 2013 Secondary Offering. We do not recognize 
any income tax expense or benefit related to the noncontrolling interest of the other members in PBF LLC (although, 
as described elsewhere, we make tax distributions to all members of PBF LLC under the terms of its amended and 
restated limited liability company agreement).  PBF Energy's effective tax rate for the year ended December 31, 
2013 was 29.7% reflecting tax benefit adjustments for discrete items related to changes in income tax provision 
estimates based on our income tax returns and changes in our effective state tax rates.

PBF Holding, as a limited liability company treated as a "flow-through" entity for income tax purposes, did 

not recognize a benefit or provision for income tax expense for the years ended December 31, 2013 and 2012.

Noncontrolling Interest— As a result of our initial public offering and the related reorganization transactions, 
PBF Energy became the sole managing member of, and has a controlling interest in, PBF LLC. As the sole managing 
member  of  PBF  LLC,  PBF  Energy  operates  and  controls  all  of  the  business  and  affairs  of  PBF  LLC  and  its 
subsidiaries.  PBF  Energy  consolidates  the  financial  results  of  PBF  LLC  and  its  subsidiaries,  and  records  a 
noncontrolling  interest  for  the  economic  interest  in  PBF  LLC  held  by  members  other  than  PBF  Energy. 
Noncontrolling  interest  on  the  consolidated  statement  of  operations  represents  the  portion  of  earnings  or  loss 
attributable to the economic interest in PBF LLC held by members other than PBF Energy. Noncontrolling interest 
on the balance sheet represents the portion of net assets of PBF Energy attributable to the members of PBF LLC 
other than PBF Energy, based on the relative equity interest held by such members. The noncontrolling interest 
ownership percentage as of December 31, 2013 and December 31, 2012 was approximately 59.1% and 75.6%, 
respectively.  The carrying amount of the noncontrolling interest on our consolidated balance sheet attributable to 
the noncontrolling interest is not equal to the noncontrolling interest ownership percentage due to the effect of 
income taxes and related agreements that pertain solely to PBF Energy. 

2012 Compared to 2011

Overview—Net income was $804.0 million for the year ended December 31, 2012 compared to $242.7 for 
the year ended December 31, 2011. Net income attributable to PBF Energy shareholders was $2.0 million, or $0.08 
per share, for the year ended December 31, 2012. The net income attributable to PBF Energy shareholders represents 
PBF Energy’s approximately 24.4% equity interest in PBF LLC’s pre-tax income, less applicable income taxes, 
for the period from December 18, 2012, the date of the closing of its initial public offering, through December 31, 
2012. During the 2011 period, our results reflect twelve months of operations of our Paulsboro refinery, ten months 
of operations of our Toledo refinery, which was acquired on March 1, 2011, and three months of operations of our 
Delaware City refinery as it was fully operational in October 2011. Prior to October 2011, we performed activities 
to turnaround, reconfigure and re-start our Delaware City Refinery. We began restarting our Delaware City refinery 
in June 2011 and it was fully operational in October 2011.

During the year ended December 31, 2012, all three of our refineries were operating, although the Toledo 
refinery was impacted by a thirty day turnaround of its hydrocracker, reformer and UDEX units which commenced 
on March 9, 2012. Our results for the year ended December 31, 2012 were favorably impacted by improved crack 
spreads despite the narrowing of the light/heavy crude differential which impacted our Paulsboro and Delaware 
City refineries.

Revenues—Revenues totaled $20.1 billion for the year ended December 31, 2012 compared to $15.0 billion 
for the year ended December 31, 2011, an increase of $5.2 billion, or 34.6%. The revenue increase primarily relates 
to year of operations of the Toledo refinery in 2012 compared to ten months in 2011 as a result of its acquisition 
on  March 1,  2011,  and  twelve  months  of  operations  of  our  Delaware  City  refinery  in  2012,  which  was  being 
reconfigured and prepared for restart in 2011. For the year ended December 31, 2012, the total throughput rates 
at our Paulsboro, Toledo, and Delaware City refineries averaged approximately 152,000 bpd, 147,200 bpd, and 
164,000 bpd, respectively. For the year ended December 31, 2011, the total throughput rates at our Paulsboro, 
Toledo  and  Delaware  City  refineries  averaged  approximately  151,400  bpd,  151,400  bpd,  and  126,600  bpd, 
respectively. For the year ended December 31, 2012, the total barrels sold at our Paulsboro, Toledo, and Delaware 

62

City refineries averaged approximately 149,800 bpd, 159,000 bpd, and 162,100 bpd, respectively. For the year 
ended December 31, 2011, the total barrels sold at our Paulsboro, Toledo, and Delaware City refineries averaged 
approximately 151,700 bpd, 160,800 bpd, and 116,200 bpd, respectively.

The  throughput  rate  and  barrels  sold  for  our  Toledo  and  Delaware  City  refineries  for  the  year  ended 
December 31, 2011 reflect the period from March 1 to December 31 and June 1 to December 31, respectively. 
Total barrels sold during the year ended December 31, 2012 were approximately 172.3 million barrels at an average 
price of $116.83 per barrel, compared to 129.4 million barrels at an average price of $115.83 per barrel during the 
2011 period.

Gross Margin—Gross refining margin totaled $1,869.6 million, or $11.03 per barrel of throughput, for the 
year ended December 31, 2012 compared to $1,105.2 million, or $8.59 per barrel of throughput during the year 
ended December 31, 2011, an increase of $764.4 million. Gross margin totaled $1,046.6 million, or $6.17 per 
barrel of throughput, for the year ended December 31, 2012 compared to $418.0 million, or $3.25 per barrel of 
throughput,  for  the  year  ended  December 31,  2011,  an  increase  of  $628.6  million. The  increase  in  both  gross 
refining margin and gross margin was primarily due to a full twelve months of operations at the Toledo and Delaware 
City refineries in 2012 and higher crack spreads.

Average industry refining margins in the U.S. Mid-Continent were generally stronger during the year ended 
December 31, 2012 as compared to the same period in 2011. The WTI (Chicago) 4-3-1 industry crack spread was 
approximately $2.99 per barrel or 12.0% higher in the year ended December 31, 2012 as compared to the same 
period in 2011. During the year ended December 31, 2012, we believe the strong industry refining margins and 
crude oil price differentials reflect limitations on takeaway capacity of WTI crude stored at Cushing, Oklahoma 
and the increase in domestically available supply which decreased the price of WTI versus Dated Brent and other 
crudes. The WTI-Syncrude differential improved by $10.75 per barrel during the year ended December 31, 2012 
compared to the same period in 2011. As the WTI-Syncrude premium increases, it has a positive impact on our 
Toledo refinery’s gross margin because Syncrude represents a significant portion of its crude slate.

While the Dated Brent (NYH) 2-1-1 industry crack spread was approximately $4.36 per barrel, or 43.9%, 
higher  in  the  year  ended  December 31,  2012  as  compared  to  the  same  period  in  2011,  the  Dated  Brent/Maya 
differential was approximately $0.59 per barrel, or approximately 4.7%, lower in 2012 than in 2011. A reduction 
in the Dated Brent/Maya crude differential, our proxy for the light/heavy crude differential, has a negative impact 
on Paulsboro and Delaware City as both refineries process a large slate of medium and heavy, sour crude oil that 
is priced at a discount to light, sweet crude oil.

The increase in our gross refining margin per barrel to $11.03 per barrel for the year ended December 31, 
2012 from $8.59 per barrel during the same period in 2011 was primarily driven by improved crack spreads and 
lower cost of crude at our Toledo refinery, partially offset by an unfavorable increase in the landed cost of crude 
at our East Coast refineries due to the narrowing of the light/heavy crude differential. In addition, the results of 
our Paulsboro and Delaware City refineries is compounded by their significant production of low value products 
such as sulfur, petroleum coke and fuel oils as these products price at a substantial discount to light products. As 
a result, we were not able to fully benefit from the increase in gasoline and distillates prices during the twelve 
month period.

Operating Expenses—Operating expenses totaled $738.8 million, or $4.36 per barrel of throughput, for the 
year ended December 31, 2012 compared to $658.8 million, or $5.12 per barrel of throughput, for the year ended 
December 31, 2011, an increase of $80.0 million, or 12.1%. The increase in operating expenses primarily relates 
to having Toledo for a full twelve months in the 2012 period versus ten months in 2011, and the restart of the 
Delaware City refinery. During the first nine months of the 2011 period, our Delaware City refinery was undergoing 
a turnaround and reconfiguration. It was fully operational during the full year ended December 31, 2012. The 
decrease in operating expenses per barrel of throughput is mainly attributable to a reduction in energy and utilities 
costs, primarily driven by lower natural gas prices, and the increase in throughput barrels. Our operating expenses 
principally consist of salaries and employee benefits, maintenance, energy and catalyst and chemicals costs.

63

General and Administrative Expenses—General and administrative expenses totaled $120.4 million for the 
year ended December 31, 2012 compared to $86.2 million for the year ended December 31, 2011, an increase of 
$34.3 million or 40.0%. The increase in general and administrative expenses primarily relates to higher information 
technology  expenses  for  the  implementation  of  accounting  and  commercial  software  in  2012  and  higher 
compensation  expense  related  to  headcount  increases  in  2012.  Our  general  and  administrative  expenses  are 
comprised of the personnel, facilities and other infrastructure costs necessary to support our refineries.

Acquisition-related Expenses—Acquisition-related expenses for the year ended December 31, 2011 were 

$0.7 million and related to our acquisition of Toledo.

Gain on Sale of Assets—Gain on sale of assets for the year ended December 31, 2012 was $2.3 million and 

related to sales of certain equipment at Paulsboro and Delaware City.

Depreciation and Amortization Expense—Depreciation and amortization expense totaled $92.2 million for 
the year ended December 31, 2012 compared to $53.7 million for the year ended December 31, 2011, an increase 
of $38.5 million. The increase was principally due to the acquisition of Toledo in March 2011, commencement of 
depreciation in July 2011 related to the restart of Delaware City, and capital expenditure and turnaround activity.

Change in Fair Value of Catalyst Leases—Change in the fair value of catalyst leases represented a loss of 
$3.7 million  for  the  year  ended  December 31,  2012  compared  to  a  gain  of  $7.3  million  for  the  year  ended 
December 31, 2011. This gain or loss relates to the change in value of the precious metals underlying the sale and 
leaseback of our refineries’ precious metals catalyst, which we are obligated to repurchase at fair market value 
lease termination dates.

Change in Fair Value of Contingent Consideration—Change in the fair value of contingent consideration 
was an expense of $2.8 million for the year ended December 31, 2012, compared to $5.2 million for the 2011 
period. This change represents the increase in the estimated fair value of the total contingent consideration we 
expect to pay in connection with our acquisition of the Toledo refinery.

Interest (Expense) Income—Interest expense totaled $108.6 million for the year ended December 31, 2012 
compared to $65.1 million for the year ended December 31, 2011, an increase of $43.5 million. Interest expense 
includes interest on long-term debt, costs related to the sale and leaseback of our precious metals catalyst, interest 
expense incurred in connection with our crude and feedstock supply agreements with Statoil and MSCG, letter of 
credit fees associated with the purchase of certain crude oils, and the amortization of deferred financing fees. The 
increase in interest expense primarily relates to an increase in letter of credit fees attributable to all refineries 
operating for the full year in 2012, financing costs associated with the expanded capacity under the ABL Revolver, 
interest expense associated with the Statoil agreement related to the Delaware City restart and the write off of $4.4 
million in deferred financing costs on debt that was repaid from the proceeds of our senior secured notes offering.

Income Tax Expense—As PBF LLC is a limited liability company treated as a "flow-through" entity for 
income tax purposes, the members of PBF LLC are required to include their proportionate share of PBF LLC’s 
taxable income or loss on their respective tax returns. Accordingly, our consolidated financial statements do not 
include a benefit or provision for income taxes for periods prior to the completion of our initial public offering on 
December 18, 2012. However, we make distributions to our members, per the terms of the PBF LLC limited liability 
agreement, related to such taxes. Effective with the completion of the initial public offering of PBF Energy, we 
recognize an income tax expense or benefit in our consolidated financial statements based on our allocable share 
of PBF LLC’s pre-tax income (loss), which was approximately 24.4% for the period from December 18, 2012 to 
December 31, 2012. We do not recognize any income tax expense or benefit related to the noncontrolling interest 
in PBF LLC.

Noncontrolling Interest—As a result of our initial public offering and the related reorganization transactions, 
PBF Energy is the sole managing member of, and has a controlling interest in, PBF LLC. As the sole managing 
member  of  PBF  LLC,  PBF  Energy  operates  and  controls  all  of  the  business  and  affairs  of  PBF  LLC  and  its 
subsidiaries.  PBF  Energy  consolidates  the  financial  results  of  PBF  LLC  and  its  subsidiaries,  and  records  a 

64

noncontrolling interest for the economic interest in PBF Energy held by the noncontrolling PBF LLC Series A 
Unit holders. Noncontrolling interest on the consolidated statement of operations represents the portion of earnings 
or loss attributable to the economic interest in PBF LLC held by the members of PBF LLC other than PBF Energy, 
which was approximately 75.6% for the period from the completion of our initial public offering, or December 18, 
2012, to December 31, 2012 and all earnings prior to the IPO. Noncontrolling interest on the balance sheet represents 
the portion of net assets of PBF Energy attributable to the the members of PBF LLC other than PBF Energy, based 
on the number of PBF LLC Series A units held by such holders. The noncontrolling interest ownership percentage 
as  of  December 18,  2012  and  December 31,  2012  was  approximately  75.6%.  The  carrying  amount  of  the 
noncontrolling interest on our consolidated balance sheet attributable to the noncontrolling interest is not equal to 
75.6% due to the effect of income taxes and related agreements that pertain solely to PBF Energy.

Non-GAAP Financial Measures

Management uses certain financial measures to evaluate our operating performance that are calculated and 
presented on the basis of methodologies other than in accordance with U.S. GAAP. These measures should not be 
considered a substitute for, or superior to, measures of financial performance prepared in accordance with U.S. 
GAAP,  and  our  calculations  thereof  may  not  be  comparable  to  similarly  entitled  measures  reported  by  other 
companies.

Adjusted Pro forma Net Income (Loss)

We utilize results presented on an Adjusted Pro Forma basis that exclude certain items relating to our initial 
public offering and also reflects an assumed exchange of all PBF LLC Series A Units for shares of Class A common 
stock of PBF Energy. We believe that these Adjusted Pro Forma measures, when presented in conjunction with 
comparable U.S. GAAP measures, are useful to investors to compare our results across different periods and to 
facilitate an understanding of our operating results. The differences between Adjusted Pro Forma and U.S. GAAP 
results are as follows:

1

2

3

Assumed Exchange of PBF LLC Series A Units for shares of PBF Energy Class A common stock. As a 
result of the assumed exchange of PBF LLC Series A Units, the noncontrolling interest related to these 
units is converted to controlling interest. Management believes that it is useful to provide the per-share 
effect associated with the assumed exchange of all PBF LLC Series A Units.

Income Taxes. Prior to the initial public offering, we were organized as a limited liability company 
treated as a “flow-through” entity for income tax purposes, and even after our IPO, not all of our 
earnings are subject to corporate-level income taxes. Adjustments have been made to the Adjusted Pro 
Forma tax provisions and earnings to assume that we had adopted our post-IPO corporate tax structure 
for all periods presented and are taxed as a C corporation in the U.S. at the prevailing corporate rates. 
These assumptions are consistent with the assumption in clause 1 above that all PBF LLC Series A 
Units are exchanged for shares of PBF Energy Class A common stock, as the assumed exchange would 
change the amount of our earnings that is subject to corporate income tax.

Elimination of Certain Initial Public Offering-Related Expenses. Adjusted Pro Forma results for 2012 
also exclude one-time charges relating to our initial public offering. Management believes that this 
adjustment results in a more meaningful comparison with prior and succeeding period results.

65

The following table reconciles our Adjusted Pro Forma results with our results presented in accordance with 

U.S. GAAP for the years ended December 31, 2013, 2012 and 2011:

Net income attributable to PBF Energy Inc.

Add: IPO-related expenses(1)
Add: Net income attributable to the 
noncontrolling interest(2)
Less: Income tax expense(3)
Adjusted pro forma net income

Diluted weighted-average shares outstanding of 
PBF Energy Inc. (4)

Conversion of PBF LLC Series A Units (5)
Pro forma shares outstanding—diluted(6) 
Adjusted pro forma net income (loss) per fully 
exchanged, fully diluted shares outstanding 

$

$

$

2013

39,540

$

—

174,545
(70,167)
143,918

$

Year Ended
December 31,

2012

1,956

$

8,187

802,081
(319,732)
492,492

$

2011

—

—

242,671
(95,758)
146,913

33,061,081

64,164,045
97,225,126

97,230,904

—
97,230,904

97,230,904
97,230,904

1.48

$

5.07

$

1.51

(1) Represents the elimination of one-time charges associated with our initial public offering.
(2) Represents the elimination of the noncontrolling interest associated with the ownership by the members 
of PBF LLC other than PBF Energy as if such members had fully exchanged their PBF LLC Series A Units 
for shares of PBF Energy's Class A common stock.

(3) Represents an adjustment to apply PBF Energy's statutory tax rate of approximately 40.2% for the year 
ended December 31, 2013 and 39.5% for the years ended December 31, 2012 and 2011 to the noncontrolling 
interest.  The adjustment assumes the full exchange of existing PBF LLC Series A Units as described in 
(2) above.

(4) Represents weighted-average diluted shares outstanding assuming the conversion of all common stock 
equivalents, including options and warrants for units of PBF LLC Series A Units and options for shares of 
PBF  Energy Class A common  stock  as  calculated  under  the  treasury  stock  method  for  the  year  ended 
December 31, 2013. Common stock equivalents exclude the effects of options to purchase 1,320,000 and 
682,500 shares of PBF Energy's Class A common stock because they are anti-dilutive for the years ended 
December 31, 2013 and 2012, respectively.

(5) Represents an adjustment to weighted-average diluted shares to assume the full exchange of existing PBF 

LLC Series A Units as described in (2) above.

(6) Diluted pro forma shares outstanding for 2011 reflect the same number of diluted shares outstanding for 

2012 in order to present such pre-IPO period on a comparable basis.

Gross Refining Margin

Gross refining margin is defined as gross margin excluding depreciation and operating expense related to 
the refineries. We believe gross refining margin is an important measure of operating performance and provides 
useful information to investors because it is a better metric comparison for the industry refining margin benchmarks, 
as the refining margin benchmarks do not include a charge for depreciation expense. In order to assess our operating 
performance,  we  compare  our  gross  refining    margin  (revenue  less  cost  of  sales)  to  industry  refining  margin 
benchmarks and crude oil prices as defined in the table below.

Gross refining  margin should not be considered an alternative to gross margin, operating income, net cash 
flows from operating activities or any other measure of financial performance or liquidity presented in accordance 
with GAAP.  Gross refining  margin presented by other companies may not be comparable to our presentation, 

66

 
 
 
since each company may define this term differently. The following table presents a reconciliation of gross refining 
margin to the most directly comparable GAAP financial measure, gross margin, on a historical basis, as applicable, 
for each of the periods indicated:

2013

Year Ended December 31,
2012

2011

$

per barrel of
throughput

$

per barrel of
throughput

$

per barrel of
throughput

$ 436,867 $

2.64

$1,046,598 $

6.17

$ 417,962 $

3.07

812,652

4.92

738,824

4.36

635,517

98,622

0.60

8.16

84,187

0.50

51,696

$1,869,609 $

11.03

$1,105,175 $

5.12

0.40

8.59

Reconciliation of gross
margin to gross refining
margin:

Gross margin

Add:

Refinery operating
expense

Refinery depreciation
expense

Gross refining margin

$1,348,141 $

EBITDA and Adjusted EBITDA

Our management uses EBITDA (earnings before interest, income taxes, depreciation and amortization) and 
Adjusted EBITDA as measures of operating performance to assist in comparing performance from period to period 
on  a  consistent  basis  and  to  readily  view  operating  trends,  as  a  measure  for  planning  and  forecasting  overall 
expectations and for evaluating actual results against such expectations, and in communications with our board of 
directors,  creditors,  analysts  and  investors  concerning  our  financial  performance.  The  Senior  Secured  Notes, 
revolving  credit  facility  and  other  contractual  obligations  also  include  similar  measures  as  a  basis  for  certain 
covenants under those agreements which may differ from the Adjusted EBITDA definition described below. 

EBITDA and Adjusted EBITDA are not presentations made in accordance with GAAP and our computation 
of EBITDA and Adjusted EBITDA may vary from others in our industry. In addition, Adjusted EBITDA contains 
some, but not all, adjustments that are taken into account in the calculation of the components of various covenants 
in  the  agreements  governing  the  Senior  Secured  Notes  and  the ABL  Revolving  Credit  Facility.  EBITDA  and 
Adjusted EBITDA should not be considered as  alternatives to operating income or net income (loss) as measures 
of operating performance. In addition, EBITDA and Adjusted EBITDA are not presented as, and should not be 
considered, an alternative to cash flows from operations as a measure of liquidity. Adjusted EBITDA is defined 
as  EBITDA  before  equity-based  compensation  expense,  gains  (losses)  from  certain  derivative  activities  and 
contingent consideration and the non-cash change in the deferral of gross profit related to the sale of certain finished 
products. Other companies, including other companies in our industry, may calculate Adjusted EBITDA differently 
than we do, limiting its usefulness as a comparative measure. Adjusted EBITDA also has limitations as an analytical 
tool and should not be considered in isolation, or as a substitute for analysis of our results as reported under GAAP. 
Some of these limitations include that Adjusted EBITDA:

• does not reflect depreciation expense or our cash expenditures, or future requirements, for capital expenditures 

or contractual commitments;

• does not reflect changes in, or cash requirements for, our working capital needs;

• does  not  reflect  our  interest  expense,  or  the  cash  requirements  necessary  to  service  interest  or  principal 

payments, on our debt;

• does not reflect realized and unrealized gains and losses from hedging activities, which may have a substantial 

impact on our cash flow;

67

 
 
 
• does not reflect certain other non-cash income and expenses; and

• excludes income taxes that may represent a reduction in available cash.

The following tables reconcile net (loss) income as reflected in our results of operations to EBITDA and Adjusted 
EBITDA for the periods presented: 

Reconciliation of net (loss) income to EBITDA:
Net income (1)

Add:Depreciation and amortization expense

Add: Interest expense, net
Add: Income tax expense (1)

EBITDA

Reconciliation of EBITDA to Adjusted EBITDA:

Year Ended December 31,

2013

2012

2011

$ 214,085

$

804,037

$

242,671

111,479

93,784

16,681

92,238

108,629

1,275

53,743

65,120

—

$ 436,029

$

1,006,179

$

361,534

EBITDA

$ 436,029

$

1,006,179

$

361,534

Stock based compensation

Change in tax receivable agreement liability

3,753

8,540

Non-cash change in fair value of catalyst lease obligations

(4,691)

Non-cash change in fair value of contingent consideration

—

Non-cash change in fair value of inventory repurchase  
obligations

(12,985)

2,954

—

3,724

2,768

9,271

2,516

—

(7,316)

5,215

(1,396)

Non-cash deferral of gross profit on 
finished product sales

Adjusted EBITDA

(31,329)
$ 399,317

19,177

$

1,044,073

$

(6,771)
353,782

——————————
(1) Net income for PBF Holding for the years ended December 31, 2013, 2012 and 2011 was $238,876, $805,312 
and $242,671 respectively, which excludes $16,681 and $1,275 and $0 of income tax expense of PBF Energy, 
respectively, and $8,540 of expense associated with the change in the tax receivable agreement liability for the 
year ended December 31, 2013 and includes $423 of interest expense related to the intercompany notes payable 
between PBF Holding and PBF Energy for the year ended December 31, 2013. 

Liquidity and Capital Resources

Overview

Our primary source of liquidity is our cash flows from operations and borrowing availability under our 
credit facilities, as more fully described below. We believe that our cash flows from operations and available capital 
resources will be sufficient to meet our capital expenditure, working capital, dividend payments and debt service 
requirements for the next twelve months. However, our ability to generate sufficient cash flow from operations 
depends, in part, on oil market pricing and general economic, political and other factors beyond our control. We 
believe we could, during periods of economic downturn, access the capital markets and/or other available financial 
resources or reduce our capital and discretionary expenditure plans to strengthen our financial position.

68

 
 
Cash Flow Analysis

Cash Flows from Operating Activities

Net cash provided by operating activities was $291.3 million for the year ended December 31, 2013 compared 
to net cash provided by operating activities of $812.4 million for the year ended December 31, 2012. Our operating 
cash flows for the year ended December 31, 2013 included our net income of $214.1 million, plus net non-cash 
charges relating to depreciation and amortization of $118.0 million,  change in deferred income taxes of $16.7 
million,  pension and other post retirement benefits costs of $16.7 million, change in the tax receivable agreement 
liability of $8.5 million and stock-based compensation of $3.8 million, partially offset by the change in the fair 
value of our inventory repurchase obligations of $20.5 million, changes in the fair value of our catalyst lease of 
$4.7 million, and gain on sale of assets of $183 thousand. In addition, net changes in working capital reflected 
uses of cash of $61.1 million driven by the timing of inventory purchases and collections of accounts receivables 
as well as payments associated with the terminations of the MSCG offtake and Statoil supply agreements. Our 
operating cash flows for the year ended December 31, 2012 included our net income of $804.0 million, plus net 
non-cash charges relating to depreciation and amortization of $97.7 million, pension and other post retirement 
benefits  of  $12.7  million,  changes  in  the  fair  value  of  our  catalyst  lease  and Toledo  contingent  consideration 
obligations of $6.4 million, change in the fair value of our inventory repurchase obligations of $4.6 million, the 
write-off  of  unamortized  deferred  financing  fees  related  to  retired  debt  of  $4.4 million  and  stock-based 
compensation of $2.9 million, partially offset by a gain on sales of assets of $2.3 million. In addition, net changes 
in working capital used $118.0 million in cash driven by increases in hydrocarbon purchases and sales volumes 
and their associated impact on inventory, accounts receivable, and hydrocarbon-related liabilities.

Net cash provided by operating activities was $812.4 million for the year ended December 31, 2012 compared 
to net cash provided by operating activities of $249.3 million for the year ended December 31, 2011. During the 
2011 period, our cash flows reflect only ten months of operations of our Toledo refinery, which was acquired on 
March 1, 2011, and limited operations at our Delaware City refinery, which was not fully operational until October 
2011.  Our operating cash flows for the year ended December 31, 2011 included our net income of $242.7 million, 
plus  net  non-cash  charges  relating  to  depreciation  and  amortization  of  $56.9  million,  pension  and  other  post 
retirement benefits of $9.8 million, change in the fair value of the Toledo contingent consideration of $5.2 million 
and stock-based compensation of $2.5 million, change in the fair value of our inventory repurchase obligations of 
$25.3 million, partially offset by changes in the fair value of our catalyst lease obligations of $7.3 million, and net 
cash used in working capital of $85.8 million.

Cash Flows from Investing Activities

Net cash used in investing activities was $313.3 million for the year ended December 31, 2013 compared 
to net cash used in investing activities of $219.3 million for the year ended December 31, 2012. The net cash flows 
used in investing activities for the year ended December 31, 2013 was comprised of capital expenditures totaling 
$318.4  million,  expenditures  for  turnarounds  of  $64.6  million,  primarily  at  our  Delaware  City  refinery,    and 
expenditures for other assets of $32.7 million, partially offset by $102.4 million in proceeds from the sale of railcars. 
Net  cash  used  in  investing  activities  for  the  year  ended  December 31,  2012  consisted  primarily  of  the  capital 
expenditures totaling $175.9 million, expenditures for turnarounds of $38.6 million, primarily at our Toledo refinery 
and expenditures for other assets of $8.2 million, slightly offset by $3.4 million in proceeds from the sale of assets.

Net cash used in investing activities was $219.3 million for the year ended December 31, 2012 compared 
to net cash used in investing activities of $739.2 million for the year ended December 31, 2011.  Net cash used in 
investing activities for the year ended December 31, 2011 consisted primarily of the acquisition of the Toledo 
refinery of $168.2 million, capital expenditures totaling $488.7 million, primarily related to the reconfiguration 
and re-start of our Delaware City refinery, expenditures for a turnaround at our Paulsboro refinery of $62.8 million 
and expenditures for other assets of $23.3 million slightly offset by $4.7 million in proceeds from the sale of assets.

Cash Flows from Financing Activities

Net cash used in financing activities was $187.0 million for the year ended December 31, 2013 compared 
to $357.4 million for the year ended December 31, 2012. For the year ended December 31, 2013, net cash used in 

69

financing activities consisted primarily of distributions and dividends of $195.7 million, payments of contingent 
consideration related to the Toledo acquisition of $21.4 million  and $1.0 million for deferred financing costs offset 
by $15.0 million of net proceeds from revolver borrowings, $14.3 million in proceeds from sale of catalyst and 
$1.8  million  exercise  of  Series A  options  and  warrants  of  PBF  Energy  Company  LLC.  For  the  year  ended 
December 31, 2012, net cash used in financing activities consisted primarily of purchases of PBF LLC Series A 
units from existing unit holders of $571.2 million, repayments of $484.6 million of long-term debt, net repayments 
on the ABL credit facility of $270.0 million, a contingent consideration payment related to the Toledo acquisition 
of $103.6 million, cash distributions to PBF LLC’s members of $161.0 million, $26.1 million for deferred financing 
costs, and $8.4 million for payments related to initial public offering costs, partially offset by net proceeds from 
the senior secured notes offering of $665.8 million, net proceeds from the sale of shares of Class A common stock 
in our initial public offering of $579.1 million, proceeds of $9.5 million from the Paulsboro catalyst lease and 
proceeds of $13.1 million from the exercise of PBF LLC warrants and options.

Net cash used in financing activities was $357.4 million for the year ended December 31, 2012 compared 
to net cash provided by financing activities of $384.6 million for the year ended December 31, 2011. For the year 
ended December 31, 2011, cash provided by financing activities consisted primarily of capital contributions from 
members of PBF LLC of $408.4 million, proceeds from the issuance of long-term debt of $488.9 million and 
proceeds from catalyst leases of $18.6 million, partially offset by principal repayments of $299.6 million on a 
seller note for inventory, repayments of long-term debt of $220.4 million and $11.2 million for deferred financing 
and other costs.

The cash flow activity of PBF Holding is materially consistent with that discussed above, other than the 
PBF Holding change in due to/due from related party of $14.7 million included in cash flows from operating 
activities,  as well as proceeds from intercompany notes payable of  $31.8 million and distributions of $20.2 million 
related to tax distributions paid to, or on behalf of, PBF Energy included in cash flows from financing activities.

Senior Secured Notes

On February 9, 2012, PBF Holding and its wholly-owned subsidiary, PBF Finance Corp., issued $675.5 
million aggregate principal amount of 8.25% Senior Secured Notes due 2020. The net proceeds from the offering 
of approximately $665.8 million were used to repay our Paulsboro Promissory Note in the amount of $150.6 
million, our Term Loan Facility in the amount of $123.8 million, our Toledo Promissory Note in the amount of 
$181.7 million, and to reduce indebtedness under the ABL Revolving Credit Facility. 

The Senior Secured Notes are secured on a first-priority basis by substantially all of the present and future 
assets of PBF Holding and its subsidiaries (other than assets securing the ABL Revolving Credit Facility). As of 
December 31, 2013, payment of the Senior Secured Notes is jointly and severally guaranteed by all of PBF Holding’s 
subsidiaries. PBF Holding has optional redemption rights to repurchase all, or a portion, of the Senior Secured 
Notes at varying prices equal to no less than 100% of the principal amounts of the notes plus accrued and unpaid 
interest. The  holders  of  the  Senior  Secured  Notes  have  repurchase  options  exercisable  only  upon  a  change  in 
control, certain asset sale transactions, or in event of a default as defined in the indenture agreement. In addition, 
the Senior Secured Notes contain covenant restrictions limiting certain types of additional debt, equity issuances, 
and payments. PBF Holding is in compliance with the covenants as of December 31, 2013.

Credit Facilities

ABL Revolving Credit Facility

On May 31, 2011, PBF Holding amended its ABL Revolving Credit Facility with UBS AG, Stamford Branch, 
as administrative agent and co-collateral agent and certain other lenders to increase its size to $500.0 million by 
including certain inventory and accounts receivable of the Toledo refinery in the borrowing base. A portion of the 
proceeds of the ABL Revolving Credit Facility was used on the closing date thereof to repay in full all amounts 
then outstanding under and to terminate the Products and Intermediates Inventory Promissory Note, dated as of 
March 1, 2011, in an aggregate principal amount equal to $299.6 million, issued by Toledo Refining in favor of 
Sunoco. In March, August, and September 2012, we amended the ABL Revolving Credit Facility again to increase 

70

the aggregate size to $965.0 million. The ABL Revolving Credit Facility was amended and restated on October 26, 
2012 to increase the maximum availability to $1.375 billion, extend the maturity date to October 26, 2017, and 
amend the borrowing base to include non-U.S. inventory, and was further amended on December 28, 2012 to 
increase the maximum availability to $1.575 billion. The amended and restated ABL Revolving Credit facility 
includes an accordion feature which allows for commitments of up to $1.8 billion. The Revolving Loan was further 
expanded to a maximum availability of $1.610 billion in November 2013. On an ongoing basis, the ABL Revolving 
Credit Facility is available to PBF Holding and its subsidiaries for working capital and other general corporate 
purposes.

The ABL Revolving Credit Facility contains customary covenants and restrictions on the activities of PBF 
Holding and its subsidiaries, including, but not limited to, limitations on the incurrence of additional indebtedness; 
liens, negative pledges, guarantees, investments, loans, asset sales, mergers, acquisitions and prepayment of other 
debt; distributions, dividends and the repurchase of capital stock; transactions with affiliates; the ability to change 
the nature of our business or our fiscal year; the ability to amend the terms of the Senior Secured Notes facility 
documents; and sale and leaseback transactions. As of December 31, 2013, we were in compliance with these 
covenants.

As of December 31, 2013, the ABL Revolving Credit Facility provided for revolving loans of up to an 
aggregate of $1.610 billion, a portion of which was available in the form of letters of credit. The amount available 
for borrowings and letters of credit under the ABL Revolving Credit Facility is calculated according to a “borrowing 
base” formula based on (1) 90% of the book value of eligible accounts receivable with respect to investment grade 
obligors  plus  (2) 85%  of  the  book  value  of  eligible  accounts  receivable  with  respect  to  non-investment  grade 
obligors plus (3) 80% of the cost of eligible hydrocarbon inventory plus (4) 100% of cash and cash equivalents in 
deposit accounts subject to a control agreement. The borrowing base is subject to customary reserves and eligibility 
criteria  and  in  any  event  cannot  exceed  $1.610  billion. As  of  December 31,  2013,  there  were  $15.0  million 
outstanding borrowings under the ABL Revolving Credit Facility. Additionally, we had $441.4 million in standby 
letters of credit issued and outstanding as of that date.

All obligations under the ABL Revolving Credit Facility are guaranteed (solely on a limited recourse basis) 
to the extent required to support the lien described in clause (y) below by PBF LLC, PBF Finance, and each of our 
domestic operating subsidiaries and secured by a lien on (y) PBF LLC’s equity interests in PBF Holding and 
(z) substantially all of the assets of the borrowers and the subsidiary guarantors (subject to certain exceptions). 
The lien of the ABL Revolving Credit Facility is secured by: all deposit accounts (other than zero balance accounts, 
cash collateral accounts, trust accounts and/or payroll accounts, all of which are excluded from the collateral); all 
accounts receivables; all hydrocarbon inventory (other than the Saudi crude oil pledged under the letter of credit 
facility); to the extent evidencing, governing, securing or otherwise related to the foregoing, all general intangibles, 
chattel  paper,  instruments,  documents,  letter  of  credit  rights  and  supporting  obligations;  and  all  products  and 
proceeds of the foregoing.

Letter of Credit Facility

PBF Holding, Paulsboro Refining and Delaware City Refining were party to a letter of credit facility with 

BNP Paribas (Suisse) SA, or BNP. The letter of credit facility was terminated in December 2012.

Cash Balances

As of December 31, 2013, our cash and cash equivalents totaled $77.0 million. We also had $12.1 million 
in restricted cash, which was included within deferred charges and other assets, net on our balance sheet. The 
restricted  cash  represents  a  trust  fund  we  acquired  in  connection  with  the  Paulsboro  refinery  acquisition  and 
represents the estimated cost of environmental remediation obligations assumed.

71

Liquidity

As of December 31, 2013, our total liquidity was approximately $615.9 million, compared to total liquidity 
of approximately $599.2 million as of December 31, 2012.   Total liquidity is the sum of our cash and cash equivalents 
plus the amount of availability under the ABL Revolving Credit Facility.

Working Capital

Working capital for PBF Energy at December 31, 2013 was $556.0 million, consisting of $2,200.5 million 
in total current assets and $1,644.5 million in total current liabilities. Working capital at December 31, 2012 was 
$704.8 million, consisting of $2,307.9 million in total current assets and $1,603.1 million in total current liabilities. 

Working capital for PBF Holding at December 31, 2013 was $541.9 million, consisting of $2,175.0 million 
in total current assets and $1,633.0 million in total current liabilities. Working capital at December 31, 2012 was 
$686.8 million, consisting of $2,283.3 million in total current assets and $1,596.5 million in total current liabilities. 

Crude and Feedstock Supply Agreements

We have acquired crude oil for our Paulsboro and Delaware City refineries under supply agreements whereby 
Statoil generally purchases the crude oil requirements for each refinery on our behalf and under our direction. Our 
agreement with Statoil for Paulsboro was terminated effective March 31, 2013, at which time we began to source 
Paulsboro’s crude oil and feedstocks internally. We amended our agreement with Statoil for Delaware City in 2012 
and the term was extended by Statoil through December 31, 2015. Statoil generally provides transportation and 
logistics services, risk management services and holds title to the crude oil until we purchase it as it enters the 
refinery process units. For our purchases of Saudi crude oil, similar to our purchases of other foreign waterborne 
crudes, we post letters of credit and arrange for shipment. We pay for the crude when we are invoiced and the letter 
of credit is lifted. Under the Statoil agreements, the amount of crude oil we own and the time we are exposed to 
market  fluctuations  is  substantially  reduced.  Under  generally  accepted  accounting  principles  we  record  the 
inventory owned by Statoil on our behalf as inventory with a corresponding accrued liability on our balance sheet 
because we have risk of loss while the Statoil inventory is in our storage tanks and because we have an obligation 
to repurchase Statoil’s inventory upon termination of the agreements at the then market value.

We have a similar agreement with MSCG to supply the crude oil requirements for our Toledo refinery, under 
which we take title to MSCG’s crude oil at certain interstate pipeline delivery locations. Payment for the crude oil 
under the Toledo agreement is due three days after it is processed by us or sold to third parties. We do not have to 
post letters of credit for these purchases and the Toledo agreement allows us to price and pay for our crude oil as 
it is processed, which reduces the time we are exposed to market fluctuations. We record an accrued liability at 
each period-end for the amount we owe MSCG for the crude oil that we own but have not processed. The accrued 
liability is based on the period-end market value, as it represents our best estimate of what we will pay for the 
crude oil.

In connection with the crude and feedstock supply agreements for our Delaware City refinery and formerly 
for  the  Paulsboro  refinery,  Statoil  also  purchases  the  refineries  production  of  certain  feedstocks  or  purchases 
feedstocks from third parties on the refineries' behalf. Legal title to the feedstocks is held by Statoil and stored in 
the refineries’ storage tanks until they are needed for further use in the refining process. At that time, the feedstocks 
are drawn out of the storage tanks and purchased by the refineries. These purchases and sales are netted at cost 
and reported within cost of sales. The feedstock inventory owned by Statoil remains on our balance sheet with a 
corresponding accrued liability.

At  December 31,  2013,  the  LIFO  value  of  crude  oil  and  feedstocks  owned  by  Statoil  included  within 
inventory on our balance sheet was $89.8 million. The corresponding accrued liability for such crude oil and 
feedstocks was $89.8 million at that date.

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Product Offtake Agreements

Prior to the termination of our product offtake agreements on July 1, 2013, our Paulsboro and Delaware 
City refineries sold their light finished products, certain intermediates and lube base oils to MSCG. Legal title 
transferred to MSCG as the products left the process units and entered the refinery storage facilities. On a daily 
basis MSCG, under a payment direction agreement, paid the purchase price of certain finished products directly 
to Statoil, the counterparty to our crude oil and feedstocks supply agreements, effectively netting our liability for 
crude and feedstock purchases. The payment direction agreement for Paulsboro was terminated effective March 31, 
2013. Any shortfall or overage in the netting process was trued up between us and Statoil. Under generally accepted 
accounting principles, we deferred the revenue on finished product sales and retain the inventory owned by MSCG 
on our balance sheet until MSCG shipped the products out of our refinery storage facilities, which typically occurred 
within an average of six days.

In addition, MSCG purchased the daily production of certain intermediates and lube products. When needed 
for  additional  blending  or  sales  to  third  parties,  the  Paulsboro  and  Delaware  City  refineries  repurchased  the 
intermediates or lubes from MSCG. These purchases and sales occurred at the daily market price for the related 
products  and  were  netted  in  cost  of  sales  at  cost. The  inventory  of  intermediates  and  lubes  owned  by  MSCG 
remained in inventory on our balance sheet and the net cash receipts result in a liability that was recorded at market 
price for the volumes held in storage with any change in the market price being recorded in cost of sales. 

At December 31, 2012, the LIFO value of light finished products, intermediates and lubes owned by MSCG 
included within inventory on our balance sheet was $417.9 million. The corresponding deferred revenue for light 
finished  products  and  accrued  liability  for  intermediates  and  lubes  was  $210.5  million  and  $270.4  million, 
respectively.

Inventory Intermediation Agreements

We entered into two separate Inventory Intermediation Agreements with J. Aron on June 26, 2013 which 
commenced  upon  the  termination  of  the  product  offtake  agreements  with  MSCG.  Pursuant  to  the  Inventory 
Intermediation Agreements,  J. Aron  purchases  and  holds  title  to  all  of  the  intermediate  and  finished  products 
produced by the Delaware City and Paulsboro refineries and delivered into our tanks at the refineries.  Inventory 
held outside the refineries may be purchased and owned by J. Aron under the Inventory Intermediation Agreements 
upon the agreement of both parties.  Furthermore,  J. Aron agrees to sell the intermediate and finished products 
back to us as they are discharged out of the refineries' tanks (or other locations outside the refineries as agreed 
upon by both parties). We currently market and sell the finished products independently to third parties.  We entered 
into the Inventory Intermediation Agreements for the purpose of managing the Products inventory at the Delaware 
City and Paulsboro refineries. They provide us with financial flexibility and improve our liquidity by allowing us 
to monetize Products inventory in our tanks as they are produced prior to being sold to third parties. 

Our accounts receivable increased from $503.8 million at December 31, 2012 to $596.6 million at December 
31, 2013 and our deferred revenue decreased from $210.5 million at December 31, 2012 to $7.8 million at December 
31, 2013  as a result of the termination of the MSCG offtake agreements and commencement of the J. Aron Inventory 
Intermediation Agreements.  Previously, under the MSCG offtake agreements, we sold substantially all of our East 
Coast finished products to MSCG and received payment on the day of sale.  We deferred the revenue on these 
finished product sales until MSCG shipped the products out of our refinery storage facilities. Under the J. Aron 
agreements no revenue is deferred as we sell finished products directly to third parties with varying payment terms 
and recognize revenue as the products are shipped and title transfers to the customer.  Similarly, accounts payable 
increased from $360.1 million at December 31, 2012 to $402.3 million at December 31, 2013, primarily as a result 
of the termination of the Statoil supply agreement at Paulsboro and our increased purchases of crude by rail delivered 
to the East Coast. 

73

At December 31, 2013, the LIFO value of intermediates and finished products owned by J. Aron included 
within  inventory  on  our  balance  sheet  was  $378.3  million.  The  corresponding  accrued  liability  for  such 
intermediates and finished products was $378.3 million at that date.

Capital Spending 

Capital spending was $415.7 million for the year ended December 31, 2013, which primarily included safety 
related enhancements and facility improvements at the refinery and the continued expansion of the rail unloading 
facilities at our Delaware City refinery.  

We are pursuing capital project opportunities designed to increase the profitability of our Toledo refinery. 
These projects are expected to improve crude sourcing and flexibility, further diversify our product sales into higher 
margin chemicals and improve the ULSD and total liquid yield from the Toledo refinery. We spent approximately 
$30.7 million through December 31, 2013 related to these capital projects and estimate aggregate total capital 
expenditures of approximately $85.0 million through the end of 2015. 

Contractual Obligations and Commitments

The following table summarizes our material contractual payment obligations as of December 31, 2013:

Long-term debt (a)

Interest payments on debt facilities (a)

Delaware Economic Development
Authority Loan (b)

Operating Leases (c)

Purchase obligations (d):

Payments due by period

$

Total
743,589

423,417

Less than
1 year
26,887

$

1-3 Years
$ 41,202

3-5 Years
$

— $

More than
5 years
675,500

72,466

143,312

124,046

83,593

—

—

—

—

—

311,323

59,410

101,721

81,877

68,315

Crude Supply and Offtake Agreements

454,893

454,893

—

—

—

Other Supply and Capacity
Agreements

Construction obligations

Environmental obligations (e)

Pension and post-retirement obligations (f)
Tax receivable agreement obligations (g)

483,351

13,088

14,874

96,023

60,023

13,088

2,907

6,669

98,207

91,544

233,577

—

1,492

9,287

—

1,439

17,257

32,821

—

9,036

62,810

188,350

287,316

12,541

53,604

Total contractual cash obligations

$ 2,827,874

$ 708,884

$ 448,825

$ 348,984

$ 1,321,181

(a)  Long-term Debt and Interest Payments on Debt Facilities

Long-term obligations represent (i) the repayment of the outstanding revolving credit agreement;  (ii) the 
repayment of indebtedness incurred in connection with the senior secured notes offering; and (iii) the repayment 
of our catalyst lease obligations on their maturity dates.

Interest payments on debt facilities include cash interest payments on the Senior Secured Notes, catalyst 
lease obligations, plus cash payments for the commitment fee on the unused ABL Revolving Credit Facility and 
letter of credit fees on the letters of credit outstanding at December 31, 2013. With the exception of our catalyst 
leases  and  outstanding  borrowings  on  the  Revolver,  we  have  no  long-term  debt  maturing  before  2020  as  of 
December 31, 2013.

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(b)  Delaware Economic Development Authority Loan

The  Delaware  Economic  Development Authority  Loan  converts  to  a  grant  in  tranches  of  $4.0 million 
annually, starting at the one year anniversary of the Delaware City refinery’s “certified re-start date” provided we 
meet certain criteria, all as defined in the loan agreement. We expect that we will meet the requirements to convert 
the loan to a grant and that we will ultimately not be required to repay the $20.0 million loan. Our Delaware 
Economic Development Authority Loan is further explained in the Delaware Economic Development Authority 
Loan footnote in our consolidated financial statements, “Item 8. Financial Statements and Supplementary Data.”

(c)  Operating Leases

We enter into operating leases in the normal course of business, some of these leases provide us with the 
option to renew the lease or purchase the leased item. Future operating lease obligations would change if we chose 
to  exercise  renewal  options  and  if  we  enter  into  additional  operating  lease  agreements.  Certain  of  our  lease 
obligations contain a fixed and variable component. The table above reflects the fixed component of our lease 
obligations. The variable component could be significant. Our operating lease obligations are further explained in 
the  Commitments  and  Contingencies  footnote  to  our  financial  statements,  “Item 8.  Financial  Statements  and 
Supplementary Data.” During 2012 and January 2013, we have entered into agreements to lease or purchase 5,900 
crude railcars which will enable us to transport this crude to each of our refineries. Any such leases will commence 
as the railcars are delivered. Of the 5,900 crude railcars, we recently purchased 717 railcars, and subsequently sold 
them to a third party, which has leased the railcars back to us for periods of between four and six years. 

(d)  Purchase Obligations

We have obligations to repurchase crude oil, feedstocks, certain intermediates and refined products under 
various crude supply and product offtake agreements with J. Aron and Statoil as further explained at the Summary 
of  Significant Accounting  Policies,  Inventories  and Accrued  Expenses  footnotes  to  our  financial  statements, 
“Item 8. Financial Statements and Supplementary Data.”

Payments under Other Supply and Capacity Agreements include contracts for the supply of hydrogen, steam, 
or natural gas to certain of our refineries, contracts for the treatment of wastewater, and contracts for pipeline 
capacity. We enter into these contracts to ensure an adequate supply of energy or essential services to support our 
refinery operations. Substantially all of these obligations are based on fixed prices. Certain agreements include 
fixed or minimum volume requirements, while others are based on our actual usage. The amounts included in this 
table are based on fixed or minimum quantities to be purchased and the fixed or estimated costs based on market 
conditions as of December 31, 2013.

(e)  Environmental Obligations

In connection with the Paulsboro acquisition, we assumed certain environmental remediation obligations 
to address existing soil and groundwater contamination at the site and acquired a trust fund established to meet 
the state’s related financial assurance requirement, recorded as a liability in the amount of $12.1 million which 
reflects the present value of the current estimated cost of the remediation obligations assumed based on investigative 
work to-date. The undiscounted estimated costs related to these environmental remediation obligations were $14.9 
million as of December 31, 2013.

In connection with the acquisition of the Delaware City assets, the prior owners remain responsible, subject 
to certain limitations, for certain pre-acquisition environmental obligations, including ongoing soil and groundwater 
remediation at the site.

In connection with the Delaware City assets and Paulsboro refinery acquisitions, we, along with the seller, 
purchased  two  individual  ten  year,  $75.0 million  environmental  insurance  policies  to  insure  against  unknown 
environmental liabilities at each site.

75

 
 
 
In  connection  with  the  acquisition  of  Toledo,  the  seller  initially  retains,  subject  to  certain  limitations, 

remediation obligations which will transition to us over a 20-year period.

In connection with the acquisition of all three of our refineries, we assumed certain environmental obligations 

under regulatory orders unique to each site, including orders regulating air emissions from each facility.

(f) Pension and Post-retirement Obligations

Pension and post-retirement obligations include only those amounts we expect to pay out in benefit payments 
and are further explained at the Employee Benefit Plans footnote to our financial statements, “Item 8. Financial 
Statements and Supplementary Data.”

(g)  Tax Receivable Agreement Obligations

We used a portion of the proceeds from our IPO to purchase PBF LLC Series A Units from the the members 
of PBF LLC other than PBF Energy. In addition, the members of PBF LLC other than PBF Energy may (subject 
to the terms of the exchange agreement) exchange their PBF LLC Series A Units for shares of Class A common 
stock of PBF Energy on a one-for-one basis. As a result of both the purchase of PBF LLC Series A Units and 
subsequent Secondary Offerings and exchanges, PBF Energy is entitled to a proportionate share of the existing 
tax basis of the assets of PBF LLC. In addition, the purchase of PBF LLC Series A Units and subsequent exchanges 
are expected to result in increases in the tax basis of the assets of PBF LLC that otherwise would not have been 
available. Both this proportionate share and these increases in tax basis may reduce the amount of tax that PBF 
Energy would otherwise be required to pay in the future. These increases in tax basis may also decrease gains (or 
increase losses) on the future disposition of certain capital assets to the extent tax basis is allocated to those capital 
assets. We have entered into a tax receivable agreement with the members of PBF LLC other than PBF Energy 
that provides for the payment by PBF Energy to our previous owners of 85% of the amount of the benefits, if any, 
that PBF Energy is deemed to realize as a result of (i) these increases in tax basis and (ii) certain other tax benefits 
related to entering into the tax receivable agreement, including tax benefits attributable to payments under the tax 
receivable agreement. These payment obligations are obligations of PBF Energy and not of PBF LLC or any of 
its subsidiaries.

PBF Energy expects to obtain funding for these payments by causing PBF Holding to make cash distributions 
to PBF LLC, which, in turn, will distribute such amounts, generally as tax distributions, on a pro-rata basis to its 
owners, which as of December 31, 2013 include the members of PBF LLC other than PBF Energy holding a 59.1% 
interest and PBF Energy holding a 40.9% interest. The members of PBF LLC other than PBF Energy may reduce 
their ownership in PBF LLC by exchanging their PBF LLC Series A Units for shares of PBF Energy Class A 
common stock. Such exchanges may result in additional increases in the tax basis of PBF Energy’s investment in 
PBF LLC and require PBF Energy to make increased payments under the tax receivable agreement. Required 
payments under the tax receivable agreement also may increase or become accelerated in certain circumstances, 
including certain changes of control. See “Item 1A. Risk Factors—Risks Related to Our Organizational Structure 
and Our Class A Common Stock—In certain cases, payments by us under the tax receivable agreement may be 
accelerated and/or significantly exceed the actual benefits we realize in respect of the tax attributes subject to the 
tax receivable agreement. These provisions may deter a change in control of our company.”

The table above reflects our estimated timing of payments under the tax receivable agreement assuming no 
material changes in the relevant tax law, and that we earn sufficient taxable income to realize all tax benefits that 
are subject to the tax receivable agreement as of December 31, 2013. In addition, in January 2014, Blackstone and 
First Reserve completed a secondary offering which is estimated to increase our tax receivable agreement liability 
to $439.6 million as a result of the secondary offering and the corresponding tax benefits expected to be generated 
in future years from this transaction. 

76

 
 
Tax distributions

PBF LLC is required to make periodic tax distributions to the members of PBF LLC, including PBF 
Energy, pro rata in accordance with their respective percentage interests for such period (as determined under the 
amended and restated limited liability company agreement of PBF LLC), subject to available cash and applicable 
law and contractual restrictions (including pursuant to our debt instruments) and based on certain assumptions. 
Generally, these tax distributions will be an amount equal to our estimate of the taxable income of PBF LLC for 
the year multiplied by an assumed tax rate equal to the highest effective marginal combined U.S. federal, state and 
local income tax rate prescribed for an individual or corporate resident in New York, New York (taking into account 
the nondeductibility of certain expenses). If, with respect to any given calendar year, the aggregate periodic tax 
distributions were less than the actual taxable income of PBF LLC multiplied by the assumed tax rate, PBF LLC 
will make a “true up” tax distribution, no later than March 15 of the following year, equal to such difference, subject 
to the available cash and borrowings of PBF LLC. As these distributions are conditional they have been excluded 
from the table above. 

Off-Balance Sheet Arrangements

We have no off-balance sheet arrangements as of December 31, 2013, other than outstanding letters of credit 

in the amount of approximately $441.4 million.

Critical Accounting Policies

The following summary provides further information about our critical accounting policies that involve 
critical accounting estimates and should be read in conjunction with Note 2 to our financial statements, “Item 8. 
Financial Statements and Supplementary Data.”

Use of Estimates

The preparation of financial statements in accordance with GAAP requires management to make estimates 
and assumptions that affect the reported amounts of assets and liabilities, the disclosure of contingent assets and 
liabilities and the reported revenues and expenses. Actual results could differ from those estimates.

Revenue and Deferred Revenue

We sell various refined products and recognize revenue related to the sale of products when there is persuasive 
evidence of an agreement, the sales prices are fixed or determinable, collectability is reasonably assured and when 
products are shipped or delivered in accordance with their respective agreements. Revenue for services is recorded 
when the services have been provided.

Prior to July 1, 2013, the Company’s Paulsboro and Delaware City refineries sold light finished products, 
certain intermediates and lube base oils to MSCG under product offtake agreements with each refinery (the “Offtake 
Agreements”). On a daily basis, MSCG purchased and paid for the refineries’ production of light finished products 
as they were produced, delivered to the refineries’ storage tanks, and legal title passes to MSCG.  Revenue on these 
product sales was deferred until they were shipped out of the storage facility by MSCG.

Under the Offtake Agreements, the Company’s Paulsboro and Delaware City refineries also entered into 
purchase and sale transactions of certain intermediates and lube base oils whereby MSCG purchased and paid for 
the refineries’ production of certain intermediates and lube products as they were produced and legal title passed 
to MSCG. The intermediate products were held in the refineries’ storage tanks until they were needed for further 
use in the refining process. The intermediates may also have been sold to third parties. The refineries had the right 
to repurchase lube products and do so to supply other third parties with that product. When the refineries needed 
intermediates or repurchase lube products, the products were drawn out of the storage tanks, title passed back to 
the refineries and MSCG was paid for those products. These transactions occurred at the daily market price for 
the related products. These transactions were considered to be made in contemplation of each other and, accordingly, 
did not result in the recognition of a sale when title passed from the refineries to MSCG. Inventory remained at 

77

 
 
cost and the net cash receipts result in a liability that was recorded at market price for the volumes held in storage 
with  any  change  in  the  market  price  being  recorded  in  costs  of  sales. The  liability  represents  the  amount  the 
Company expected to pay to repurchase the volumes held in storage.

While MSCG had legal title, it had the right to encumber and/or sell these products and any such sales by 
MSCG result in sales being recognized by the refineries when products were shipped out of the storage facility. As 
the exclusive vendor of intermediate products to the refineries, MSCG had the obligation to provide the intermediate 
products to the refineries as they were needed. Accordingly, sales by MSCG to others were limited and only made 
with the Company or its subsidiaries’ approval. 

As of July 1, 2013, the Company terminated the Offtake Agreements for the Company’s Paulsboro and 
Delaware City refineries. The Company entered into two separate Inventory Intermediation Agreements  with J. 
Aron on June 26, 2013 which commenced upon the termination of the product offtake agreements with MSCG. 

Pursuant  to  the  Inventory  Intermediation Agreements,  J. Aron  purchases  and  holds  title  to  all  of  the 
intermediate and finished products produced by the Delaware City and Paulsboro refineries and delivered into the 
Company's tanks at the refineries. All purchase and sale transactions under the Inventory Intermediation Agreements 
are consummated at a benchmark market price adjusted for a specified product type differential. The sale and 
purchase transactions under the Inventory Intermediation Agreements are considered to be made in contemplation 
of each other and, accordingly, do not result in the recognition of a sale when title passes to J. Aron. The Products 
inventory remains on our balance sheet at cost and the net cash receipts result in a liability that is recorded at market 
price for the volume of Products inventory held in our refineries’ storage tanks with any change in the market price 
recorded in costs of sales.  

Furthermore, J. Aron agrees to sell the Products back to the Company as the Products are discharged out of 
the refineries' tanks. J. Aron has the right to store the Products purchased in the Company's tanks under the Inventory 
Intermediation Agreements and will retain these storage rights for the term of the agreements. Inventory held 
outside the refineries may be owned by the Company or by J. Aron under the Inventory Intermediation Agreements. 
The Company will market and sell the Products independently to third parties.

Our Delaware City refinery sells and purchases feedstocks under a supply agreement primarily with Statoil. 
Statoil purchases the refinery’s production of certain feedstocks or purchases feedstocks from third parties on the 
refinery’s behalf. Legal title to the feedstocks is held by Statoil and the feedstocks are held in the refinery’s storage 
tanks until they are needed for further use in the refining process. At that time the feedstocks are drawn out of the 
storage tanks and purchased by us. These purchases and sales are settled monthly at the daily market prices related 
to  those  feedstocks.  These  transactions  are  considered  to  be  made  in  the  contemplation  of  each  other  and, 
accordingly,  do  not  result  in  the  recognition  of  a  sale  when  title  passes  from  the  refinery  to  the  counterparty. 
Inventory remains at cost and the net cash receipts result in a liability. The Statoil crude supply agreement with 
Paulsboro terminated effective March 31, 2013, at which time we began to purchase from Statoil the feedstocks 
owned by them at that date.

Inventory

Inventories are carried at the lower of cost or market. The cost of crude oil, feedstocks, blendstocks and 
refined products is determined under the LIFO method using the dollar value LIFO method with increments valued 
based on average cost during the year. The cost of supplies and other inventories is determined principally on the 
weighted average cost method.

Our Delaware City refinery acquires a portion of its crude oil from Statoil under our crude supply agreement 
whereby we take title to the crude oil as it is delivered to our processing units. We have risk of loss while the Statoil 
inventory is in our storage tanks. We are obligated to purchase all of the crude oil held by Statoil on our behalf 
upon termination of the agreements. As a result of the purchase obligations, we record the inventory of crude oil 
and feedstocks in the refinery’s storage facilities. The purchase obligations contain derivatives that change in value 
based on changes in commodity prices. Such changes are included in our cost of sales. Our agreement with Statoil 

78

for Paulsboro terminated effective March 31, 2013, at which time we began to source crude oil and feedstocks 
internally.

For the period from March 1, 2011 through May 31, 2011, our Toledo refinery acquired substantially all of 
its crude oil from MSCG under a crude oil acquisition agreement whereby we took title to the crude oil as it was 
delivered to the refinery processing units. We had custody and risk of loss for MSCG’s crude oil stored on the 
refinery premises. As a result, we recorded the crude oil in the Toledo refinery’s storage facilities as inventory with 
a corresponding accrued liability. Effective June 1, 2011 we entered into a new supply agreement with MSCG 
under which we take legal title to the crude oil at certain interstate pipeline delivery locations. We record an accrued 
liability at each period-end for the amount we owe MSCG for the crude oil that we own but have not processed. 
The accrued liability is based on the period-end market value, as it represents our best estimate of what we will 
pay for the crude oil.

Environmental Matters

Liabilities for future clean-up costs are recorded when environmental assessments and/or clean-up efforts 
are probable and the costs can be reasonably estimated. Other than for assessments, the timing and magnitude of 
these accruals generally are based on the completion of investigations or other studies or a commitment to a formal 
plan of action. Environmental liabilities are based on best estimates of probable future costs using currently available 
technology  and  applying  current  regulations,  as  well  as  our  own  internal  environmental  policies.  The  actual 
settlement of our liability for environmental matters could materially differ from our estimates due to a number of 
uncertainties  such  as  the  extent  of  contamination,  changes  in  environmental  laws  and  regulations,  potential 
improvements in remediation technologies and the participation of other responsible parties.

Long-Lived Assets and Definite-Lived Intangibles

We review our long and finite lived assets for impairment whenever events or changes in circumstances 
indicate their carrying value may not be recoverable. Impairment is evaluated by comparing the carrying value of 
the long and finite lived assets to the estimated undiscounted future cash flows expected to result from the use of 
the assets and their ultimate disposition. If such analysis indicates that the carrying value of the long and finite 
lived assets is not considered to be recoverable, the carrying value is reduced to the fair value.

Impairment assessments inherently involve judgment as to assumptions about expected future cash flows 
and the impact of market conditions on those assumptions. Although management would utilize assumptions that 
it believes are reasonable, future events and changing market conditions may impact management’s assumptions, 
which could produce different results.

Indefinite-lived Assets

We consider precious metals catalyst and linefill to be indefinite-lived assets as they are not expected to 

deteriorate in their prescribed functions. These assets are not depreciated, but are assessed for impairment.

Deferred Turnaround Costs

Refinery turnaround costs, which are incurred in connection with planned major maintenance activities at 
our refineries, are capitalized when incurred and amortized on a straight-line basis over the period of time estimated 
until the next turnaround occurs (generally three to five years).

Derivative Instruments

We  are  exposed  to  market  risk,  primarily  related  to  changes  in  commodity  prices  for  the  crude  oil  and 
feedstocks we use in the refining process as well as the prices of the refined products we sell. The accounting 
treatment for commodity contracts depends on the intended use of the particular contract and on whether or not 
the contract meets the definition of a derivative. Non-derivative contracts are recorded at the time of delivery.

79

All derivative instruments that are not designated as normal purchases or sales are recorded in our balance 
sheet as either assets or liabilities measured at their fair values. Changes in the fair value of derivative instruments 
that either are not designated or do not qualify for hedge accounting treatment or normal purchase or normal sale 
accounting  are  recognized  in  income.  Contracts  qualifying  for  the  normal  purchases  and  sales  exemption  are 
accounted for upon settlement. Prior to June 30, 2011 we did not apply hedge accounting to any of our derivative 
instruments. Effective July 1, 2011, we elected fair value hedge accounting for certain derivatives associated with 
our inventory repurchase obligations.

Derivative  accounting  is  complex  and  requires  management  judgment  in  the  following  respects: 
identification of derivatives and embedded derivatives; determination of the fair value of derivatives; identification 
of hedge relationships; assessment and measurement of hedge ineffectiveness; and election and designation of the 
normal purchases and sales exception. All of these judgments, depending upon their timing and effect, can have a 
significant impact on earnings.

Income Taxes and Tax Receivable Agreement

As PBF LLC is a limited liability company treated as a “flow-through” entity for income tax purposes, there 
is no benefit or provision for federal or state income tax in the accompanying financial statements for periods prior 
to the closing of our initial public offering on December 18, 2012. Effective with the completion of our initial 
public offering, we recognize an income tax expense or benefit in our consolidated financial statements based on 
our allocable share of PBF LLC’s pre-tax income (loss). We do not recognize any income tax expense or benefit 
related to the noncontrolling interest in PBF LLC.

Effective  upon  the  completion  of  our  initial  public  offering,  we  provide  for  deferred  income  taxes  for 
temporary differences between the financial statement carrying amounts and tax bases of assets and liabilities at 
each balance sheet date, using enacted tax rates expected to be in effect when the related taxes are expected to be 
paid  or  received. A  deferred  tax  asset  may  be  reduced  by  a  valuation  allowance  when  we,  after  assessing  the 
probability of future taxable income and evaluating alternative tax planning strategies, determine that it is more 
likely than not that the future tax benefit may not be realized. If future taxable income differs from our estimates 
or if expected tax planning strategies are not available as anticipated, adjustments to the valuation allowance may 
be needed. Deferred tax assets and liabilities may be adjusted in the future for the effect of changes in tax laws or 
rates on the date of enactment.

Pursuant to the tax receivable agreement we entered into at the time of our initial public offering, we are 
required to pay PBF LLC Series A Unit holders, who exchange their units for PBF Energy stock or whose units 
we purchase, approximately 85% of the cash savings in income taxes that we realize as a result of the increase in 
the  tax  basis  of  our  interest  in  PBF  LLC,  including  tax  benefits  attributable  to  payments  made  under  the  tax 
receivable agreement. We have recognized a liability for the tax receivable agreement reflecting our estimate of 
the undiscounted amounts that we expect to pay under the agreement. Our estimate of the tax agreement liability 
is based on forecasts of future taxable income over the anticipated life of our future business operations, assuming 
no  material  changes  in  the  relevant  tax  law.  The  assumptions  used  in  the  forecasts  are  subject  to  substantial 
uncertainty about our future business operations and the actual payments that we are required to make under the 
tax receivable agreement could differ materially from current estimate. We must adjust the estimated tax receivable 
agreement liability each time we purchase PBF LLC Series A Units or upon an exchange of PBF LLC Series A 
Units for our Class A common stock. Such adjustments will be based on forecasts of future taxable income and 
our future business operations at the time of such purchases or exchanges. Periodically, we may adjust the liability 
based on an updated estimate of the amounts that we expect to pay, using assumptions consistent with those used 
in our concurrent estimate of the deferred tax asset valuation allowance. These periodic adjustments to the tax 
receivable liability, if any, are recorded in general and administrative expense and may result in adjustments to our 
income taxe expense and deferred tax assets and liabilities.

80

Recent Accounting Pronouncements

There are no recently issued accounting pronouncements requiring adoption subsequent to December 31, 

2013 that would have a significant impact on our results of operations or financial position.

Iran Sanctions Compliance Disclosure

Under the Iran Threat Reduction and Syrian Human Rights Act of 2012 ("ITRA"), which added Section 13
(r) of the Exchange Act, we are required to include certain disclosures in our periodic reports if we or any of our 
“affiliates” knowingly engaged in certain specified activities during the period covered by the report. Because the 
SEC defines the term “affiliate” broadly, it may include any entity controlled by us as well as any person or entity 
that controls us or is under common control with us (“control” is also construed broadly by the SEC). Neither we 
nor any of our controlled affiliates or subsidiaries have knowingly engaged in any transaction or dealing reportable 
under Section 13(r) of the Exchange Act during the reporting period. 

Funds affiliated with The Blackstone Group L.P. (“Blackstone”) are holders of approximately 26.8% of the 
outstanding voting interests of PBF Energy as of December 31, 2013 and have nominated three of the current 
directors on PBF Energy's Board of Directors. Accordingly, Blackstone may be deemed an “affiliate” of PBF 
Energy, as that term is defined in Exchange Act Rule 12b-2.  We received notice from Blackstone that it has included 
the disclosures described below in its SEC filings pursuant to ITRA regarding one of its portfolio companies that 
may be deemed to be affiliates of Blackstone. Because of the broad definition of “affiliate” in Exchange Act Rule 
12b-2, these portfolio companies of Blackstone, through Blackstone's ownership of PBF Energy, may also be 
deemed to be affiliates of ours.  We have not independently verified the disclosures described in the following 
paragraphs.

We have received notice from Blackstone that Travelport Limited ("Travelport"), which may be considered 
an affiliate of Blackstone, as part of their global business in the travel industry, provides certain passenger travel 
related GDS and airline IT services to Iran Air and certain airline IT services to Iran Air Tours.  All of these services 
are either exempt from applicable sanctions prohibitions pursuant to a statutory exemption in the International 
Emergency Economic Powers Act permitting transactions ordinarily incident to travel or, to the extent not otherwise 
exempt, specifically licensed by the U.S. Office of Foreign Assets Control (“OFAC”). Subject to any changes in 
the exempt/licensed status of such activities, Travelport intends to continue these business activities, which are 
directly related to and promote the arrangement of travel for individuals.  Prior to and during the reporting period, 
Travelport also provided airline IT services to Syrian Arab Airlines. These services were generally understood to 
be permissible under the same statutory travel exemption. The services were terminated following the May 2013 
action by OFAC to designate this airline as a Specially Designated Global Terrorist pursuant to the Global Terrorism 
Sanctions Regulations.

 ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

We are exposed to market risks, including changes in commodity prices and interest rates.  Our primary 
commodity price risk is associated with the difference between the prices we sell our refined products and the 
prices we pay for crude oil and other feedstocks.  We may use derivative instruments to manage the risks from 
changes in the prices of crude oil and refined products, natural gas, interest rates, or to capture market opportunities.  

Commodity Price Risk 

Our earnings, cash flow and liquidity are significantly affected by a variety of factors beyond our control, 
including the supply of, and demand for, crude oil, other feedstocks, refined products and natural gas.  The supply 
of and demand for these commodities depend on, among other factors, changes in domestic and foreign economies, 
weather conditions, domestic and foreign political affairs, planned and unplanned downtime in refineries, pipelines 
and production facilities, production levels, the availability of imports, the marketing of competitive and alternative 
fuels, and the extent of government regulation.  As a result, the prices of these commodities can be volatile.  Our 
revenues fluctuate significantly with movements in industry refined product prices, our cost of sales fluctuates 
81

significantly  with  movements  in  crude  oil  and  feedstock  prices  and  our  operating  expenses  fluctuate  with 
movements in the price of natural gas.  We manage our exposure to these commodity price risks through our supply 
and offtake agreements as well as through the use of various commodity derivative instruments.

Certain of our crude and feedstock supply agreements and products offtake agreements, reduce the time we 
are exposed to market price fluctuations.  For example, our crude and feedstock supply agreements with Statoil 
allow us to take title to and price our crude oil at locations in close proximity to our refineries, as opposed to the 
crude oil origination point.  The crude supply agreement with MSCG for our Toledo refinery allows us to price 
and pay for our crude oil as it is processed at that refinery.  In addition, the products offtake agreements with MSCG 
for our Delaware City and Paulsboro refineries that were terminated effective July 1, 2013, allowed us to sell our 
light finished products, certain intermediates and lube base oils as they were produced.  Subsequent to termination 
of the MSCG products offtake agreements, we independently sell and market our refined products to customers 
on the spot market or through term agreements. 

We may use non-trading derivative instruments to manage exposure to commodity price risks associated 
with the purchase or sale of crude oil and feedstocks, finished products and natural gas outside of our supply and 
offtake agreements.  The derivative instruments we use include physical commodity contracts and exchange-traded 
and  over-the-counter  financial  instruments.  We  mark-to-market  our  commodity  derivative  instruments  and 
recognize the changes in their fair value in our statements of operations.  

At December 31, 2013 and 2012, we had gross open commodity derivative contracts representing 43.2 
million barrels and 10.5 million barrels, respectively, with an unrealized net (loss) gain of $(19.4) million and $1.4 
million, respectively.    The open commodity derivative contracts as of December 31, 2013 expire at various times 
during 2014.

We carry inventories of crude oil, intermediates and refined products (“hydrocarbon inventories”) on our 
balance sheet, the values of which are subject to fluctuations in market prices. Our hydrocarbon inventories totaled 
approximately  13.9  million  barrels  and  14.4 million  barrels  at  December 31,  2013  and  December  31,  2012, 
respectively. The average cost of our hydrocarbon inventories was approximately $101.65 and $101.89 per barrel 
on a LIFO basis at December 31, 2013 and December 31, 2012, respectively. If market prices decline to a level 
below the average cost, we may be required to write down the carrying value of our hydrocarbon inventories to 
market. 

Our predominant variable operating cost is energy, which is comprised primarily of natural gas and electricity. 
We are therefore sensitive to movements in natural gas prices. Assuming normal operating conditions, we annually 
consume a total of approximately 37 million MMBTUs of natural gas amongst our three refineries. Accordingly, 
a $1.00 per MMBTU change in natural gas prices would increase or decrease our natural gas costs by approximately 
$37 million.

Compliance Program Price Risk

We are exposed to market risks related to the volatility in the price of Renewable Identification Numbers 
("RINs")  required  to  comply  with  the  Renewable  Fuel  Standard.  Our  overall  RINs  obligation  is  based  on  a 
percentage of our domestic shipments of on-road fuels as established by the EPA.  To the degree we are unable to 
blend the required amount of biofuels to satisfy our RINs obligation, we must purchase RINs on the open market.  
To mitigate the impact of this risk on our results of operations and cash flows we may purchase RINs when the 
price of these instruments is deemed favorable. 

Interest Rate Risk 

During 2013, we amended the terms of our ABL Revolving Credit Facility to increase the size of our asset-
based revolving credit facility from $1.575 to $1.610 billion. Borrowings under our ABL Revolving Credit Facility 
bear interest at the Adjusted LIBOR Rate plus 1.75% to 2.50%, depending on our debt rating. If this facility were 
fully drawn, a one percent change in the interest rate would increase or decrease our interest expense by $16.1 
million annually. 

82

We also have interest rate exposure in connection with our Statoil and MSCG crude oil agreements and J. 
Aron Inventory Intermediation Agreements under which we pay a time value of money charge based on LIBOR. 

Credit Risk 

We are subject to risk of losses resulting from nonpayment or nonperformance by our counterparties. We 
will continue to closely monitor the creditworthiness of customers to whom we grant credit and establish credit 
limits in accordance with our credit policy.

Concentration Risk

MSCG  and  Sunoco  accounted  for    29%  and  10%,  respectively,  of  our  total  sales  for  the  year  ended 
December 31, 2013 and  57% and 10%, respectively, of our total sales for the year ended December 31, 2012. 
Sunoco accounted for 10% of total trade accounts receivable as of December 31, 2013 and Statoil and Sunoco 
accounted for 28% and 10% of accounts receivables, respectively, as of December 31, 2012.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The information required by this item is set forth beginning on page F-1 of this Annual Report on 

Form 10-K.

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

None.

ITEM 9A.  CONTROLS AND PROCEDURES

Disclosure Controls and Procedures

Our management has evaluated, with the participation of our principal executive and principal financial 
officers,  the  effectiveness  of  our  disclosure  controls  and  procedures  (as  defined  in  Rule  13a-15(e)  under  the 
Securities Exchange Act of 1934 as amended (the “Exchange Act”)) as of the end of the period covered by this 
report, and has concluded that our disclosure controls and procedures are effective to provide reasonable assurance 
that information required to be disclosed by us in the reports that we file or furnish under the Exchange Act is 
recorded, processed, summarized and reported, within the time periods specified in the SEC's rules and forms 
including, without limitation, controls and procedures designed to ensure that information required to be disclosed 
by  us  in  the  reports  that  we  file  or  furnish  under  the  Exchange Act  is  accumulated  and  communicated  to  our 
management, including our principal executive and principal financial officers, as appropriate to allow timely 
decisions regarding required disclosures.

Management's Report on Internal Control over Financial Reporting 

Our management is responsible for establishing and maintaining adequate internal control over financial 
reporting as defined in Rule 13a-15(f) of the Exchange Act. The Company’s internal control system 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. Due to its inherent limitations, internal control over financial reporting may not prevent or detect 
misstatements. Therefore, even those systems determined to be effective can provide only reasonable assurance 
with respect to financial statement preparation and presentation. 

Management assessed the effectiveness of our internal control over financial reporting as of December 
31, 2013, using the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission 
in Internal Control — Integrated Framework (1992 framework). Based on such assessment, we conclude that as 
of December 31, 2013, the Company’s internal control over financial reporting is effective. 

83

 
 
 
 
 
 
Auditor Attestation Report 

Our independent registered public accounting firm has issued an attestation report on the effectiveness 

of our internal control over financial reporting, which begins on page F-3 of this report.

Changes in Internal Control Over Financial Reporting 

There  has  been  no  change  in  our  internal  control  over  financial  reporting  during  the  quarter  ended 
December 31, 2013 that has materially affected, or is reasonably likely to materially affect, our internal control 
over financial reporting. 

ITEM 9B.  OTHER INFORMATION

  During the fourth quarter of 2013, the Board of Directors approved, based on the recommendation of the 
Compensation Committee, equity awards under the Company’s 2012 Equity Incentive Plan of options to purchase 
250,000 shares of Class A common stock to Thomas D. O’Malley, our Executive Chairman, and options to purchase 
100,000 shares of Class A common stock to Thomas J. Nimbley, our Chief Executive Officer. Granted on October 
29, 2013, the options have an exercise price of $26.08 (the closing stock price on the date of grant) and vest in 
four equal annual installments commencing on the first anniversary of the date of grant, subject to acceleration 
under certain circumstances set forth in the applicable award agreement.

PART III

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERANCE

The information required under this Item will be contained in our 2014 Proxy Statement, incorporated herein 

by reference.

We have adopted a Code of Business Conduct and Ethics that applies to our principal executive officer, 
principal financial officer and principal accounting officer. The Code of Business Conduct and Ethics is available 
on our website at www.pbfenergy.com under the heading “Investors”. Any amendments to the Code of Business 
Conduct and Ethics or any grant of a waiver from the provisions of the Code of Business Conduct and Ethics 
requiring  disclosure  under  applicable  Securities  and  Exchange  Commission  rules  will  be  disclosed  on  the 
Company’s website.

See also Executive Officers of the Registrant under “Item 1. Business” of this Annual Report on Form 10-

K.

ITEM 11. EXECUTIVE COMPENSATION

The information required under this Item will be contained in our 2014 Proxy Statement, incorporated 

herein by reference.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT 
AND RELATED STOCKHOLDER MATTERS

See “Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters, and Issuer 

Purchasers of Equity Securities—Securities Authorized for Issuance Under Equity Compensation Plans.”

Additional information required by this Item will be contained in our 2014 Proxy Statement, incorporated 

herein by reference.

84

 
 
 
 
ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR 
INDEPENDENCE

The information required under this Item will be contained in our 2014 Proxy Statement, incorporated 

herein by reference.

ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES

The information required under this Item will be contained in our 2014 Proxy Statement, incorporated 

herein by reference.

85

PART IV

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(a)   1. Financial Statements. The consolidated financial statements of PBF Energy Inc., PBF Holding 
Company LLC and subsidiaries, required by Part II, Item 8, are included in Part IV of this report. See Index to 
Consolidated Financial Statements beginning on page F-1.

2. Financial Statement Schedules and Other Financial Information. No financial statement schedules 

are submitted because either they are inapplicable or because the required information is included in the 
consolidated financial statements or notes thereto.

3. Exhibits. Filed as part of this Annual Report on Form 10-K are the following exhibits:

Number

3.1

   Amended and Restated Certificate of Incorporation of PBF Energy Inc. (Incorporated by reference to
Exhibit 3.1 filed with PBF Energy Inc.’s Amendment No. 4 to Registration Statement on Form S-1
(Registration No. 333-177933))

Description

3.2

   Amended and Restated Bylaws of PBF Energy Inc. (Incorporated by reference to Exhibit 3.2

filed with PBF Energy Inc.’s Amendment No. 4 to Registration Statement on Form S-1 (Registration
No. 333-177933))

3.3

3.4

3.5

3.6

4.1

Certificate of Formation of PBF Holding Company LLC (Incorporated by reference to Exhibit 3.1
filed with PBF Holding Company LLC’s Registration Statement on Form S-4 (File No. 333-186007))

Limited Liability Company Agreement of PBF Holding Company LLC (Incorporated by reference to
Exhibit 3.2 filed with PBF Holding Company LLC’s Registration Statement on Form S-4 (File No.
333-186007))

Certificate of Incorporation of PBF Finance Corporation (Incorporated by reference to Exhibit 3.3
filed with PBF Holding Company LLC’s Registration Statement on Form S-4 (File No. 333-186007))

Bylaws of PBF Finance Corporation (Incorporated by reference to Exhibit 3.4 filed with PBF Holding
Company LLC’s Registration Statement on Form S-4 (File No. 333-186007))

   Amended and Restated Registration Rights Agreement of PBF Energy Inc. dated as of December 12,

2012 (Incorporated by reference to Exhibit 4.1 filed with PBF Energy Inc.’s Current Report on
Form 8-K dated December 18, 2012 (File No. 001-35764))

4.2

   Indenture, dated as of February 9, 2012, among PBF Holding Company LLC, PBF Finance

Corporation, the Guarantors party thereto, Wilmington Trust, National Association and Deutsche Bank
Trust Company Americas (Incorporated by reference to Exhibit 4.2 filed with PBF Energy Inc.’s
Amendment No. 2 to Registration Statement on Form S-1 (Registration No. 333-177933))

10.1†

10.1.1

Offtake Agreement, dated as of March 1, 2011, by and between Toledo Refining Company LLC and
Sunoco, Inc. (R&M) (Incorporated by reference to Exhibit 10.4 filed with PBF Energy Inc.’s
Amendment No. 1 to Registration Statement on Form S-1 (Registration No. 333-177933))

Assignment and Assumption Agreement, dated as of March 1, 2012, by and between Toledo Refining
Company LLC, PBF Holding Company LLC, and Sunoco, Inc. (R&M) (Incorporated by reference to
Exhibit 10.4.1 filed with PBF Energy Inc.’s Amendment No. 2 to Registration Statement on Form S-1
(Registration No. 333-177933))

86

 
  
  
  
Number

10.2†

10.2.1

10.2.2

10.2.3*

10.3†

10.3.1

10.4

10.4.1

10.5†

10.6†

10.7

10.8

Description

Amended and Restated Crude Oil Acquisition Agreement, dated as of March 1, 2012, by and between
Morgan Stanley Capital Group Inc. and PBF Holding Company LLC (Incorporated by reference to
Exhibit 10.23 filed with PBF Energy Inc.’s Amendment No. 2 to Registration Statement on Form S-1
(Registration No. 333-177933))

First Amendment to Amended and Restated Crude Oil Acquisition Agreement, dated as of June 28,
2012, by and between PBF Holding Company LLC and Morgan Stanley Capital Group Inc.
(Incorporated by reference to Exhibit 10.23.1 filed with PBF Energy Inc.’s Amendment No. 3 to
Registration Statement on Form S-1 (Registration No. 333-177933))

Second Amendment to Amended and Restated Crude Oil Acquisition Agreement, dated as of October
11, 2012, by and between PBF Holding Company LLC and Morgan Stanley Capital Group Inc.
(Incorporated by reference to Exhibit 10.23.2 filed with PBF Energy Inc.’s Amendment No. 4 to
Registration Statement on Form S-1 (Registration No. 333-177933))

Third Amendment to Amended and Restated Crude Oil Acquisition Agreement, dated as of January
15, 2014, by and between PBF Holding Company LLC and Morgan Stanley Capital Group Inc.

Crude Oil/Feedstock Supply/Delivery and Services Agreement, effective as of April 7, 2011, by and
between Statoil Marketing & Trading (US) Inc. and Delaware City Refining Company LLC, as
amended as of July 29, 2011 (Incorporated by reference to Exhibit 10.8 filed with PBF Energy Inc.’s
Amendment No. 2 to Registration Statement on Form S-1 (Registration No. 333-177933))

Agreement on Modification to the DCR Crude Supply Agreement, effective as of October 31, 2012,
by and between Statoil Marketing & Trading (US) Inc. and Delaware City Refining Company LLC
(Incorporated by reference to Exhibit 10.8.1 filed with PBF Energy Inc.’s Amendment No. 4 to
Registration Statement on Form S-1 (Registration No. 333-177933))

Second Amended and Restated Revolving Credit Agreement dated as of October 26, 2012, among
PBF Holding Company LLC, Delaware City Refining Company LLC, Paulsboro Refining Company
LLC and Toledo Refining Company LLC, the lenders party thereto in their capacities as lenders
thereunder, UBS AG, Stamford Branch, as Administrative Agent and Co-Collateral Agent, and Bank
of America, N.A. and Wells Fargo Bank, N.A., as Co-Collateral Agents (Incorporated by reference to
Exhibit 10.11 filed with PBF Energy Inc.’s Amendment No. 4 to Registration Statement on Form S-1
(Registration No. 333-177933))

Amendment No. 1 and Increase Joinder Agreement to Second Amended and Restated Revolving
Credit Agreement, dated as of December 28, 2012, entered into by and among PBF Holding Company
LLC, Delaware City Refining Company LLC, Paulsboro Refining Company LLC and Toledo
Refining Company LLC, each other loan party thereto, the lenders party thereto and UBS AG,
Stamford Branch, as Administrative Agent (Incorporated by reference to Exhibit 10.10.1 filed with
PBF Holding Company LLC’s Registration Statement on Form S-4 (Registration No. 333-186007))

Inventory Intermediation Agreement dated as of June 26, 2013 (as amended) between J. Aron &
Company and PBF Holding Company LLC and Paulsboro Refining Company LLC. (Incorporated by
reference to Exhibit 10.1 filed with PBF Energy Inc.'s June 30, 2013 Form 10-Q  (File
No. 001-35764))

Inventory Intermediation Agreement dated as of June 26, 2013 (as amended) between J. Aron &
Company and PBF Holding Company LLC and Delaware City Refining Company LLC.
(Incorporated by reference to Exhibit 10.1 filed with PBF Energy Inc.'s June 30, 2013 Form 10-Q
(File No. 001-35764))

Amended and Restated Limited Liability Company Agreement of PBF Energy Company LLC
(Incorporated by reference to Exhibit 10.1 filed with PBF Energy Inc.’s Current Report on Form 8-K
dated December 18, 2012 (File No. 001-35764))

Exchange Agreement, dated as of December 12, 2012 (Incorporated by reference to Exhibit 10.3 filed
with PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

87

  
  
  
  
  
  
  
  
 
 
 
Number

10.9

10.10

10.11**

10.12**

10.13**

10.14**

10.15**

10.16**

10.17

10.18**

10.19**

10.20**

12.1*

21.1*

23.1*

24.1*

24.2*

31.1*

Description

Tax Receivable Agreement, dated as of December 12, 2012 (Incorporated by reference to Exhibit 10.2
filed with PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No.
001-35764))

Stockholders’ Agreement of PBF Energy Inc. (Incorporated by reference to Exhibit 10.4 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Second Amended and Restated Employment Agreement dated as of December 17, 2012, between
PBF Investments LLC and Thomas D. O’Malley (Incorporated by reference to Exhibit 10.7 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Amended and Restated Employment Agreement dated as of December 17, 2012, between
PBF Investments LLC and Thomas J. Nimbley (Incorporated by reference to Exhibit 10.8 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Second Amended and Restated Employment Agreement, dated as of December 17, 2012, between
PBF Investments LLC and Matthew C. Lucey (Incorporated by reference to Exhibit 10.9 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Second Amended and Restated Employment Agreement, dated as of December 17, 2012, between
PBF Investments LLC and Donald F. Lucey (Incorporated by reference to Exhibit 10.10 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Amended and Restated Employment Agreement, dated as of December 17, 2012, between
PBF Investments LLC and Michael D. Gayda (Incorporated by reference to Exhibit 10.11 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Restated Warrant and Purchase Agreement between PBF Energy Company LLC and the officers party
thereto, as amended (Incorporated by reference to Exhibit 10.17 filed with PBF Energy Inc.’s
Amendment No. 4 to Registration Statement on Form S-1 (Registration No. 333-177933))

Form of Indemnification Agreement, dated December 12, 2012, between PBF Energy Inc. and each of
the executive officers and directors of PBF Energy Inc. (Incorporated by reference to Exhibit 10.5
filed with PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No.
001-35764))

PBF Energy Inc. 2012 Equity Incentive Plan (Incorporated by reference to Exhibit 10.6 filed with
PBF Energy Inc.’s Current Report on Form 8-K dated December 18, 2012 (File No. 001-35764))

Form of Non-Qualified Stock Option Agreement under the PBF Energy Inc. 2012 Equity Incentive
Plan (Incorporated by reference to Exhibit 10.28 filed with PBF Energy Inc.’s Amendment No. 6 to
Registration Statement on Form S-1 (Registration No. 333-177933))

Form of Restricted Stock Award Agreement for Directors under the PBF Energy Inc. 2012 Equity
Incentive Plan (Incorporated by reference to Exhibit 10.20 filed with PBF Energy Inc.’s December 31,
2012 Form 10-K (File No. 001-35764))

Computation of Ratios of Earnings to Fixed Charge of PBF Holding Company LLC.

  Subsidiaries of PBF Energy Inc. and PBF Holding Company LLC.

  Consent of Deloitte & Touche LLP

  Power of Attorney of PBF Energy Inc. (included on signature page)

Power of Attorney of PBF Holding Company LLC (included on signature page)

Certification by Chief Executive Officer of PBF Energy Inc. pursuant to Rule 13a-14(a)/15d-14(a), as
adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

88

 
 
 
 
 
 
 
 
 
 
 
 
 
Number

31.2*

31.3*

31.4*

32.1*(1)

32.2*(1)

32.3*(1)

32.4*(1)

Description

Certification by Chief Financial Officer of PBF Energy Inc. pursuant to Rule 13a-14(a)/15d-14(a), as
adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Certification by Chief Executive Officer of PBF Holding Company LLC pursuant to Rule 13a-14
(a)/15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Certification by Chief Financial Officer of PBF Holding Company LLC pursuant to Rule 13a-14
(a)/15d-14(a), as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Certification by Chief Executive Officer of PBF Energy Inc. pursuant to 18 U.S.C. Section 1350, as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Certification by Chief Financial Officer  of PBF Energy Inc. pursuant to 18 U.S.C. Section 1350, as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Certification by Chief Executive Officer of PBF Holding Company LLC pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Certification by Chief Financial Officer of PBF Holding Company LLC pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

101.INS

XBRL Instance Document.

101.SCH

XBRL Taxonomy Extension Schema Document.

101.CAL

XBRL Taxonomy Extension Calculation Linkbase Document.

101.DEF

XBRL Taxonomy Extension Definition Linkbase Document.

101.LAB

XBRL Taxonomy Extension Label Linkbase Document.

101.PRE

XBRL Taxonomy Extension Presentation Linkbase Document.

 ——————————

*

Filed herewith.

**

Indicates management compensatory plan or arrangement.

†

Confidential treatment has been granted by the SEC as to certain portions, which portions have
been omitted and filed separately with the SEC.

(1)

This exhibit should not be deemed to be “filed” for purposes of Section 18 of the Exchange Act.

89

 
 
 
 
 
 
 
 
PBF ENERGY INC. AND PBF HOLDING COMPANY LLC

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

Reports of Independent Registered Public Accounting Firm

PBF Energy Inc.

Consolidated Balance Sheets as of December 31, 2013 and 2012

Consolidated Statements of Operations For the Years Ended December 31, 2013, 2012 and
2011

Consolidated Statements of Comprehensive Income For the Years Ended December 31,
2013, 2012 and 2011

Consolidated Statements of Changes in Equity For the Years Ended December 31, 2013,
2012 and 2011

Consolidated Statements of Cash Flows For the Years Ended December 31, 2013, 2012
and 2011

PBF Holding Company LLC

Consolidated Balance Sheets as of December 31, 2013 and 2012

Consolidated Statements of Operations For the Years Ended December 31, 2013, 2012 and
2011

Consolidated Statements of Comprehensive Income For the Years Ended December 31,
2013, 2012 and 2011

Consolidated Statements of Changes in Equity For the Years Ended December 31, 2013,
2012 and 2011

Consolidated Statements of Cash Flows For the Years Ended December 31, 2013, 2012
and 2011

Notes to Consolidated Financial Statements

PBF Energy Inc.'s Quarterly Financial Data (Unaudited)

F-2

F- 5

F- 6

F- 7

F- 8

F- 9

F- 11

F- 12

F- 13

F- 14

F- 14

F- 17

F- 68

F- 1

 
  
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Stockholders and the Board of Directors of
PBF Energy Inc. and subsidiaries

We have audited the accompanying consolidated balance sheets as of December 31, 2013 and 2012 of PBF Energy 
Inc. and subsidiaries (the “Company”) and the related combined and consolidated statements of operations, 
comprehensive income, changes in equity, and cash flows for each of the three years in the period ended December 
31, 2013 (combined and consolidated for 2012 and 2011 with PBF Energy Company LLC and subsidiaries). These 
combined and consolidated financial statements are the responsibility of the Company's management. Our 
responsibility is to express an opinion on the financial statements based on our audits.

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

In our opinion, such combined and consolidated financial statements present fairly, in all material respects, the 
financial position of PBF Energy Inc. and subsidiaries as of December 31, 2013 and 2012, and the results of their 
operations and their cash flows for each of the three years in the period ended December 31, 2013 (combined and 
consolidated for 2012 and 2011 with PBF Energy Company LLC and subsidiaries), in conformity with accounting 
principles generally accepted in the United States of America. 

We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United 
States), the Company's internal control over financial reporting as of December 31, 2013, based on the criteria 
established in Internal Control - Integrated Framework (1992) issued by the Committee of Sponsoring Organizations 
of the Treadway Commission and our report dated February 21, 2014 expressed an unqualified opinion on the 
Company's internal control over financial reporting. 

/s/ Deloitte & Touche LLP 

Parsippany, New Jersey
February 21, 2014 

F- 2

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

To Stockholders and the Board of Directors of
PBF Energy Inc. and subsidiaries

We have audited the internal control over financial reporting of  PBF Energy Inc. and subsidiaries (the "Company") as 
of December 31, 2013, based on criteria established in Internal Control - Integrated Framework (1992) issued by the 
Committee of Sponsoring Organizations of the Treadway Commission. The Company's management is responsible 
for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of 
internal control over financial reporting, included in the accompanying Management’s Report on Internal Control 
over Financial Reporting. Our responsibility is to express an opinion on the Company's internal control over financial 
reporting based on our audit. 

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

A company's internal control over financial reporting is a process designed by, or under the supervision of, the 
company's principal executive and principal financial officers, or persons performing similar functions, and effected 
by the company's board of directors, management, and other personnel to provide reasonable assurance regarding the 
reliability of financial reporting and the preparation of financial statements for external purposes in accordance with 
generally accepted accounting principles. A company's internal control over financial reporting includes those policies 
and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the 
transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are 
recorded as necessary to permit preparation of financial 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 (3) 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 the inherent limitations of internal control over financial reporting, including the possibility of collusion or 
improper management override of controls, material misstatements due to error or fraud may not be prevented or 
detected on a timely basis. Also, projections of any evaluation of the effectiveness of the internal control over 
financial reporting to future periods are subject to the risk that the controls may become inadequate because of 
changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. 

In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as 
of December 31, 2013, based on the criteria established in Internal Control - Integrated Framework (1992) issued by 
the Committee of Sponsoring Organizations of the Treadway Commission.

We have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United 
States), the consolidated financial statements as of and for the year ended December 31, 2013 of the Company and 
our report dated February 21, 2014 expressed an unqualified opinion on those financial statements. 

/s/ Deloitte & Touche LLP 

Parsippany, New Jersey
February 21, 2014 

F- 3

 
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Sole Member and Board of Directors of
PBF Holding Company LLC and subsidiaries 

We have audited the accompanying consolidated balance sheets of PBF Holding Company LLC and subsidiaries (the 
"Company") as of December 31, 2013 and 2012, and the related consolidated statements of operations, 
comprehensive income, changes in equity, and cash flows for each of the three years in the period ended December 
31, 2013. These financial statements are the responsibility of the Company's management. Our responsibility is to 
express an opinion on the financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board 
(United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about 
whether the financial statements are free of material misstatement. The Company is not required to have, nor were we 
engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of 
internal control over financial reporting as a basis for designing audit procedures that are appropriate in the 
circumstances, 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. An audit also includes examining, on a test basis, 
evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used 
and significant estimates made by management, as well as evaluating the overall financial statement presentation. We 
believe that our audits provide a reasonable basis for our opinion.

In our opinion, such consolidated financial statements present fairly, in all material respects, the financial position of 
PBF Holding Company LLC and subsidiaries as of December 31, 2013 and 2012, and the results of their operations 
and their cash flows for each of the three years in the period ended December 31, 2013, in conformity with 
accounting principles generally accepted in the United States of America. 

/s/ Deloitte & Touche LLP 

Parsippany, New Jersey
February 21, 2014 

F- 4

PBF ENERGY INC.
CONSOLIDATED BALANCE SHEETS 
(in thousands, except share and per share data)

ASSETS

Current assets:

Cash and cash equivalents

Accounts receivable

Inventories

Deferred tax asset

Prepaid expense and other current assets

Total current assets

Property, plant and equipment, net

Deferred tax assets

Deferred charges and other assets, net

Total assets

LIABILITIES AND EQUITY

Current liabilities:

Accounts payable

Accrued expenses

Payable to related parties pursuant to tax receivable agreement

Current portion of long-term debt

Deferred revenue

Total current liabilities

Delaware Economic Development Authority loan

Long-term debt

Payable to related parties pursuant to tax receivable agreement

Other long-term liabilities

Total liabilities

Commitments and contingencies (Note 14)

Equity:

Class A common stock, $0.001 par value, 1,000,000,000 shares authorized, 39,665,473 shares
outstanding at December 31, 2013, 23,571,221 shares outstanding at December 31, 2012

Class B common stock, $0.001 par value, 1,000,000 shares authorized, 40 shares outstanding at

December 31, 2013, 41 shares outstanding at December 31, 2012

Preferred stock, $0.001 par value, 100,000,000 shares authorized, no shares outstanding at

December 31, 2013 and 2012

Additional paid in capital

Retained earnings

Accumulated other comprehensive loss

Total PBF Energy Inc. equity

Noncontrolling interest

Total equity

Total liabilities and equity

December 31,
2013

December 31,
2012

$

76,970

$

596,647

1,445,517

25,529

55,843

285,884

503,796

1,497,119

7,717

13,388

$

$

2,200,506

2,307,904

1,781,589

169,234

262,479

1,635,587

112,862

197,349

4,413,808

$

4,253,702

402,293

$

1,209,881

12,541

12,029

7,766

1,644,510

12,000

723,547

274,775

43,720

360,057

1,031,467

1,007

—

210,543

1,603,074

20,000

709,980

159,004

38,099

2,698,552

2,530,157

40

—

—

657,499

3,579

(6,988)

654,130

1,061,126

1,715,256

$

4,413,808

$

24

—

—

417,835

1,956

(61)

419,754

1,303,791

1,723,545

4,253,702

See notes to consolidated financial statements.
F- 5

PBF ENERGY INC.
CONSOLIDATED STATEMENTS OF OPERATIONS 
(COMBINED AND CONSOLIDATED WITH PBF ENERGY COMPANY LLC AND SUBSIDIARIES)
 (in thousands, except share and per share data) 

Year Ended December 31,

2013

2012

2011

Revenues

$

19,151,455

$

20,138,687

$

14,960,338

Cost and expenses:

Cost of sales, excluding depreciation

17,803,314

18,269,078

Operating expenses, excluding depreciation

General and administrative expenses
Gain on sale of assets

Acquisition related expenses

Depreciation and amortization expense

812,652

104,334
(183)
—

111,479

738,824

120,443
(2,329)
—

92,238

13,855,163

658,831

86,183
—

728

53,743

18,831,596

19,218,254

14,654,648

Income from operations

319,859

920,433

305,690

Other income (expense)

Change in fair value of contingent
consideration

Change in fair value of catalyst lease

Interest expense, net

Income before income taxes

Income tax expense

Net income

Less: net income attributable to
noncontrolling interest

—

4,691
(93,784)
230,766

16,681

214,085

174,545

Net income attributable to PBF Energy Inc. $

39,540

$

(5,215)
7,316
(65,120)
242,671

—

242,671

(2,768)
(3,724)
(108,629)
805,312

1,275

804,037

$

802,081

1,956

Weighted-average shares of Class A
common stock outstanding

Basic
Diluted

Net income available to Class A common
stock per share:

Basic

Diluted

Dividends per common share

32,488,369
33,061,081

23,570,240
97,230,904

$

$

$

1.22

1.20

1.20

$

$

$

0.08

0.08

—

See notes to consolidated financial statements.
F- 6

 
PBF ENERGY INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(COMBINED AND CONSOLIDATED WITH PBF ENERGY COMPANY LLC AND SUBSIDIARIES)
(in thousands) 

Net income

$

214,085

$

804,037

$

242,671

Year Ended December 31,

2013

2012

2011

Other comprehensive (loss) income:

Unrealized (loss) gain on available for sale
securities

Net loss on pension and other postretirement
      benefits

Total other comprehensive loss

Comprehensive income

(308)

(5,289)
(5,597)
208,488

2

5

(6,567)
(6,565)
797,472

$

(1,332)
(1,327)
241,344

Less: Comprehensive income attributable to
noncontrolling interest

Comprehensive income attributable to PBF Energy
Inc.

171,218

795,577

$

37,270

$

1,895

See notes to consolidated financial statements.
F- 7

PBF ENERGY INC. 
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
(COMBINED AND CONSOLIDATED WITH PBF ENERGY COMPANY LLC AND SUBSIDIARIES)
(IN THOUSANDS, EXCEPT SHARE DATA)

PBF Energy Inc. Stockholders’ Equity

Class A
Common Stock

Class B
Common Stock

Shares

Amount

Shares

Amount

Additional
Paid-in
Capital

Retained
Earnings

Accumulated
Other
Comprehensive
Loss

Former
Controlling
Interest
Equity

Noncontrolling
Interest

Total
Equity

— $

— $

— $

— $

(1,049)

$

459,710

$

— $ 458,661

Balance, January 1, 2011

— $

Comprehensive income

Member capital contributions

Stock based compensation

Balance, December 31, 2011

Comprehensive income

Exercise of PBF Energy
Company LLC warrants and
options

Distributions to former
controlling interest holders

Stock based compensation

Issuance of Class B common
stock

Sale of Class A common
stock in initial public
offering, net of $42,109 in
issuance costs and
underwriters’ discount

Purchase PBF Energy
Company LLC units from
former controlling interest
holders

Record deferred tax assets
and liabilities and tax
receivable agreement
obligation

Record initial allocation of
non-controlling interest upon
completion of initial public
offering

Exchange of PBF Energy
Company LLC Series A
Units for Class A common
stock

Noncontrolling Interest

—

—

—

—

—

—

—

—

—

23,567,686

—

—

—

3,535

—

Balance, December 31, 2012

23,571,221

Comprehensive income

Exercise of PBF Energy
Company LLC warrants and
options

Distributions to PBF Energy
Company LLC members

Stock based compensation

Dividends

Record effect of Secondary
Offering on deferred tax
assets and liabilities and tax
receivable agreement
obligation

Effects of Secondary
Offering

Exchange of PBF Energy
Company LLC Series A
Units for Class A common
stock

Noncontrolling Interest

—

—

—

60,392

—

—

15,950,000

83,860

—

Balance, December 31, 2013

39,665,473

$

—

—

—

—

—

—

—

—

—

—

24

—

—

—

—

—

24

—

—

—

—

—

—

16

—

—

40

—

—

—

—

—

—

—

—

39

—

—

—

—

2

—

41

—

—

—

—

—

—

—

(1)

—

40

—

—

—

—

(1,327)

—

—

242,671

408,397

2,516

(2,376)

1,113,294

—

—

—

—

241,344

408,397

2,516

1,110,918

1,956

(6,565)

792,076

10,005

797,472

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

88

—

—

570,627

—

(570,650)

—

(39,432)

—

457,202

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

191

(61)

417,835

1,956

—

39,540

(5,597)

—

—

2,444

—

—

—

—

(37,917)

(26,625)

263,845

—

—

—

—

—

—

—

—

—

—

—

(3,600)

—

2,270

—

—

—

—

—

—

—

13,107

(160,965)

2,866

—

—

—

—

—

—

13,107

(160,965)

2,954

—

—

570,651

(510)

—

(571,160)

—

—

(39,432)

8,689

(1,759,868)

1,293,977

—

—

—

—

(191)

1,303,791

1,723,545

174,545

208,488

1,757

1,757

(157,745)

(157,745)

1,309

3,753

—

(37,917)

—

(26,625)

(260,261)

—

(2,270)

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

$

— $ 657,499

$

3,579

$

(6,988)

$

— $

1,061,126

$1,715,256

See notes to consolidated financial statements.
F- 8

 
 
 
 
 
 
 
PBF ENERGY INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
(COMBINED AND CONSOLIDATED WITH PBF ENERGY COMPANY LLC AND SUBSIDIARIES)
(in thousands)

Year Ended December 31,

2013

2012

2011

$

214,085

$

804,037

242,671

Cash flows from operating activities:

Net income

Adjustments to reconcile net income to net cash provided by operations:

Depreciation and amortization

Stock-based compensation

Change in fair value of catalyst lease obligation

Change in fair value of contingent consideration

Deferred income taxes

Change in tax receivable agreement liability

Non-cash change in inventory repurchase obligations

Write-off of unamortized deferred financing fees

Pension and other post retirement benefits  costs

Gain on disposition of property, plant and equipment

Changes in current assets and current liabilities:

Accounts receivable

Inventories

Other current assets

Accounts payable

Accrued expenses

Deferred revenue

Other assets and liabilities

Net cash provided by operations

Cash flow from investing activities:

Acquisition of Toledo refinery, net of cash received from sale of assets

Expenditures for property, plant and equipment

Expenditures for deferred turnarounds cost

Expenditures for other assets

Proceeds from sale of assets

Other

Net cash used in investing activities

Cash flows from financing activities:

Proceeds from members' capital contributions to PBF Energy Company LLC (former controlling interest)

Exercise of Series A options and warrants of PBF Energy Company LLC, net

Distribution to PBF Energy Company LLC members

Proceeds from sale of Class A common stock, net of underwriters' discount of $33,702

Purchase of PBF Energy Company LLC Series A units from existing unit holders

Payment of costs associated with initial public offering

Dividend payments

Proceeds from Senior Secured Notes

Proceeds from long-term debt

Proceeds from catalyst lease

Proceeds from revolver borrowings

Repayments of revolver borrowings

Repayment of seller note inventory

Repayments of long-term debt

Payment of contingent consideration related to acquisition of Toledo refinery

Deferred financing costs and other

Net cash (used in) provided by financing activities

Net (decrease) increase in cash and cash equivalents

Cash and equivalents, beginning of period

Cash and equivalents, end of period

118,001

3,753

(4,691)

—

16,681

8,540

(20,492)

—

16,728

(183)

(92,851)

45,991

(42,455)

42,236

209,479

(202,777)

(20,716)

291,329

—

(318,394)

(64,616)

(32,692)

102,428

—

(313,274)

—

1,757

(157,745)

—

—

—

(37,917)

—

—

14,337

1,450,000

(1,435,000)

—

—

(21,357)

(1,044)

(186,969)

(208,914)

285,884

97,650

2,954

3,724

2,768

—

—

4,576

4,391

12,684

(2,329)

(187,544)

(80,097)

49,971

73,990

35,892

21,309

(31,543)

812,433

—

(175,900)

(38,633)

(8,155)

3,381

—

56,919

2,516

(7,316)

5,215

—

—

25,329

—

9,769

—

(279,315)

(512,054)

(56,953)

249,765

395,093

122,895

(5,252)

249,282

(168,156)

(488,721)

(62,823)

(23,339)

4,700

(854)

(219,307)

(739,193)

—

13,107

(160,965)

579,058

(571,160)

(8,408)

—

665,806

430,000

9,452

—

—

—

(1,184,597)

(103,642)

(26,059)

(357,408)

235,718

50,166

408,397

—

—

—

—

—

—

—

488,894

18,624

—

—

(299,645)

(220,401)

—

(11,249)

384,620

(105,291)

155,457

50,166

$

76,970

$

285,884

$

See notes to consolidated financial statements.
F- 9

PBF ENERGY INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS (Continued)
(COMBINED AND CONSOLIDATED WITH PBF ENERGY COMPANY LLC AND SUBSIDIARIES)
(in thousands)

Supplemental cash flow disclosures

Non-cash activities:

         Promissory not issued for Toledo refinery acquisition

         Seller note issued for acquisition of inventory

         Fair value of Toledo refinery contingent consideration

         Conversion of Delaware Economic Development Authority loan to grant

         Accrued construction in progress

Cash paid during year for:

         Interest (including capitalized interest of $5,672, $6,697 and $13,027 in 2013, 2012 and 2011)

         Income taxes

Year Ended December 31,

2013

2012

2011

$

— $

— $

—

—

8,000

33,747

92,848

1,065

—

—

—

16,481

89,233

—

200,000

299,645

117,017

—

5,909

67,020

—

See notes to consolidated financial statements.
F- 10

PBF HOLDING COMPANY LLC
CONSOLIDATED BALANCE SHEETS 
(in thousands) 

ASSETS

Current assets:

Cash and cash equivalents

Accounts receivable

Due from related party

Inventories

Prepaid expense and other current assets

Total current assets

Property, plant and equipment, net

Deferred charges and other assets, net

Total assets

LIABILITIES AND EQUITY

Current liabilities:

Accounts payable

Accrued expenses

Current portion of long-term debt

Deferred revenue

Total current liabilities

Delaware Economic Development Authority loan

Long-term debt

Intercompany notes payable

Other long-term liabilities

Total liabilities

Commitments and contingencies (Note 14)

Equity:

Member's equity

Retained earnings

Accumulated other comprehensive loss

Total equity

Total liabilities and equity

December 31,
2013

December 31,
2012

$

76,970

$

596,647

—

1,445,517

55,843

2,174,977

1,781,589

262,479

254,291

503,796

14,721

1,497,119

13,388

2,283,315

1,635,587

197,349

$

4,219,045

$

4,116,251

$

402,293

$

1,210,945

12,029

7,766

1,633,033

12,000

723,547

31,835

46,477

360,057

1,025,918

—

210,543

1,596,518

20,000

709,980

—

38,099

2,446,892

2,364,597

933,164

853,527
(14,538)
1,772,153

930,098

830,497
(8,941)
1,751,654

$

4,219,045

$

4,116,251

See notes to consolidated financial statements.
F- 11

PBF HOLDING COMPANY LLC
CONSOLIDATED STATEMENTS OF OPERATIONS
(in thousands) 

Year ended December 31,

2013

2012

2011

Revenues

$

19,151,455

$

20,138,687

$

14,960,338

Costs and expenses:

Cost of sales, excluding depreciation

17,803,314

18,269,078

13,855,163

Operating expenses, excluding depreciation

General and administrative expenses

Gain on sale of assets
Acquisition related expenses

Depreciation and amortization expense

812,652

95,794
(183)
—

111,479

738,824

120,443
(2,329)
—

92,238

658,831

86,183

—
728

53,743

18,823,056

19,218,254

14,654,648

Income from operations

328,399

920,433

305,690

Other income (expense)

Change in fair value of contingent consideration

Change in fair value of catalyst lease

Interest expense, net

Net income

—

4,691
(94,214)
238,876

$

(2,768)
(3,724)
(108,629)
805,312

$

(5,215)
7,316
(65,120)
242,671

$

See notes to consolidated financial statements.
F- 12

 
PBF HOLDING COMPANY LLC
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME 
(in thousands) 

Net income

$

238,876

$

805,312

$

242,671

Year ended December 31,
2012

2011

2013

Other comprehensive income (loss):

Unrealized (loss) gain on available for sale 
     securities

Net loss on pension and other postretirement 
      benefits

Total other comprehensive loss

Comprehensive income

(308)

2

5

(5,289)
(5,597)
233,279

$

(6,567)
(6,565)
798,747

$

(1,332)
(1,327)
241,344

$

See notes to consolidated financial statements.
F- 13

 
PBF HOLDING COMPANY LLC
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
(IN THOUSANDS)

Member’s
Equity

Accumulated
Other
Comprehensive
Loss

Retained
Earnings

Balance at January 1, 2011

$

516,231

$

Member contributions

Stock based compensation

Net income

Other comprehensive income

Balance at December 31, 2011

Member distributions

Stock based compensation

Net income

Other comprehensive income

Balance at December 31, 2012
Member distributions
Member contribution
Stock based compensation
Net income
Other comprehensive income

Balance at December 31, 2013

$

408,397

2,516

—

—

927,144

—
2,954

—

—
930,098
—
1,757
1,309
—
—
933,164

$

(1,049) $
—

(56,521) $
—

—

—
(1,327)
(2,376)
—
—

—
(6,565)
(8,941)
—
—
—
—
(5,597)
(14,538) $

—

242,671

—

186,150
(160,965)
—

805,312

—
830,497
(215,846)
—
—
238,876
—
853,527

Total

458,661

408,397

2,516

242,671
(1,327)
1,110,918
(160,965)
2,954

805,312
(6,565)
1,751,654
(215,846)
1,757
1,309
238,876
(5,597)
$ 1,772,153

See notes to consolidated financial statements.
F- 14

 
PBF HOLDING COMPANY LLC
CONSOLIDATED STATEMENTS OF CASH FLOWS 
(in thousands) 

Cash flows from operating activities:

Net income

Adjustments to reconcile net income to net cash provided by operations:

Depreciation and amortization

Stock-based compensation

Change in fair value of catalyst lease obligation

Change in fair value of contingent consideration

Non-cash change in inventory repurchase obligations

Write-off of unamortized deferred financing fees

Pension and other post retirement benefit costs

Gain on disposition of property, plant and equipment

Changes in current assets and current liabilities:

Accounts receivable

Due to/from related party

Inventories

Other current assets

Accounts payable

Accrued expenses

Deferred revenue

Other assets and liabilities

Net cash provided by operations

Cash flows from investing activities:

Acquisition of Toledo refinery, net of cash received for sale of assets

Expenditures for property, plant and equipment

Expenditures for deferred turnarounds costs

Expenditures for other assets

Proceeds from sale of assets

Other

Net cash used in investing activities

Cash flows from financing activities:

Proceeds from revolver borrowings

Proceeds from intercompany notes payable

Proceeds from member's capital contributions

Proceeds from Senior Secured Notes

Proceeds from long-term debt

Proceeds from catalyst lease

Distributions to members

Repayment of seller note for inventory

Repayments of revolver borrowings

Repayments of long-term debt

Payment of contingent consideration related to acquisition of Toledo refinery

Deferred financing costs and other

Net (cash used in) provided by financing activities

Net (decrease) increase in cash and cash equivalents

Cash and equivalents, beginning of period

Cash and equivalents, end of period

Years Ended December 31,

2013

2012

2011

$

238,876

$

805,312

$

242,671

118,001

3,753

(4,691)

—

(20,492)

—

16,728

(183)

(92,851)

14,721

45,991

(42,455)

42,236

214,817

(202,777)

(20,403)

311,271

—

(318,394)

(64,616)

(32,692)

102,428

—

97,650

2,954

3,724

2,768

4,576

4,391

12,684

(2,329)

(187,544)

(14,721)

(80,097)

49,971

73,990

30,343

21,309

(31,544)

793,437

—

(175,900)

(38,633)

(8,155)

3,381

—

56,919

2,516

(7,316)

5,215

25,329

—

9,768

—

(279,315)

—

(512,054)

(56,953)

249,765

395,093

122,895

(5,251)

249,282

(168,156)

(488,721)

(62,823)

(23,339)

4,700

(854)

(313,274)

(219,307)

(739,193)

1,450,000

31,835

1,757

—

—

14,337

(215,846)

—

(1,435,000)

—

—

—

665,806

430,000

9,452

(160,965)

—

—

—

—

408,397

—

488,894

18,624

—

(299,645)

—

—

(1,184,597)

(220,401)

(21,357)

(1,044)

(175,318)

(177,321)

254,291

(103,642)

(26,059)

(370,005)

204,125

50,166

$

76,970

$

254,291

$

—

(11,249)

384,620

(105,291)

155,457

50,166

See notes to consolidated financial statements.
F- 15

PBF HOLDING COMPANY LLC
CONSOLIDATED STATEMENTS OF CASH FLOWS (Continued)
(in thousands)

Years Ended December 31,

2013

2012

2011

Supplemental cash flow disclosures

Non-cash activities:

         Promissory not issued for Toledo refinery acquisition

$

— $

— $

         Seller note issued for acquisition of inventory

         Fair value of Toledo refinery contingent consideration

         Conversion of Delaware Economic Development Authority loan to grant

         Accrued construction in progress

Cash paid during year for:

—

—

8,000

33,747

—

—

—

16,481

200,000

299,645

117,017

—

5,909

         Interest (including capitalized interest of $5,672, $6,697 and $13,027 in 2013, 2012 and 2011)

92,848

89,233

67,020

See notes to consolidated financial statements.
F- 16

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

1. DESCRIPTION OF THE BUSINESS AND BASIS OF PRESENTATION

Description of the Business 

PBF Energy Inc. ("PBF Energy") was formed as a Delaware corporation on November 7, 2011 for the purpose of 
facilitating an initial public offering ("IPO") of its common equity and to become the sole managing member of 
PBF Energy Company LLC ("PBF LLC"), a Delaware limited liability company.  Prior to completion of its IPO,  
PBF Energy had not engaged in any business or other activities except in connection with its formation and the 
IPO.  On December 12, 2012, PBF Energy completed an IPO of 23,567,686 shares of its Class A common stock 
at a public offering price of $26.00 per share.  The IPO subsequently closed on December 18, 2012.  PBF Energy 
used the net proceeds of the offering to acquire approximately 24.4% of the membership interests in PBF LLC 
and to cover offering expenses. As a result of the IPO and related reorganization transactions, PBF Energy became 
the sole managing member of PBF LLC with a controlling interest in PBF LLC and its subsidiaries.  PBF Energy 
consolidates the financial results of  PBF LLC and its subsidiaries and records a noncontrolling interest in its 
consolidated financial statements representing the economic interests of PBF LLC's members other than PBF 
Energy.  The financial statements and results of operations for periods prior to the completion of PBF Energy’s 
IPO and the related reorganization transactions are those of PBF LLC.  Effective with the completion of the PBF 
Energy  IPO  and  related  reorganization  transactions,  PBF  LLC  became  a  minority-owned,  controlled  and 
consolidated subsidiary of  PBF Energy. 

On June 12, 2013,  funds affiliated with The Blackstone Group L.P., or Blackstone, and First Reserve Management, 
L.P., or First Reserve completed a public offering of 15,950,000 shares of Class A common stock at a price of 
$27.00 per share, less underwriting discounts and commissions, in a secondary public offering (the "Secondary 
Offering").  In connection with the Secondary Offering, Blackstone and First Reserve exchanged 15,950,000 Series 
A Units of PBF LLC for an equivalent number of shares of Class A common stock of PBF Energy, which reduced 
Blackstone and First Reserve's holdings in PBF LLC from 70.1% to 53.6% at the time of the offering. The holders 
of PBF LLC Series B Units, which include certain executive officers of PBF Energy, had the right to receive a 
portion of the proceeds of the sale of the PBF Energy Class A common stock by Blackstone and First Reserve. 
PBF Energy did not receive any proceeds from the Secondary Offering. PBF Energy incurred approximately $1,388 
of expenses, included in general and administrative expenses, in connection with the Secondary Offering during 
the  year ended December 31, 2013 for which it was reimbursed by PBF LLC in accordance with the PBF LLC 
amended and restated limited liability company agreement. 

PBF LLC, together with its consolidated subsidiaries, owns and operates oil refineries and related facilities in 
North America.  PBF Holding Company LLC ("PBF Holding") is a wholly-owned subsidiary of PBF LLC.  PBF 
Finance Corporation ("PBF Finance") is a wholly-owned subsidiary of PBF Holding.  PBF Holding and PBF 
Finance  issued 8.25% Senior Secured Notes due 2020 ("Senior Secured Notes") in 2012, which were subsequently 
registered under the Securities Act of 1933, as amended.  Delaware City Refining Company LLC, Delaware Pipeline 
Company LLC, PBF Power Marketing LLC, Paulsboro Refining Company LLC, Paulsboro Natural Gas Pipeline 
Company LLC and Toledo Refining Company LLC are PBF LLC’s principal operating subsidiaries and are all 
wholly-owned subsidiaries of PBF Holding.  Collectively, PBF Energy and subsidiaries, including PBF Holding, 
are referred to hereinafter as the "Company".

Substantially all of the Company’s operations are in the United States.  The Company’s three oil refineries are all 
engaged in the refining of crude oil and other feedstocks into petroleum products, and have been aggregated to 
form one reportable segment.  To generate earnings and cash flows from operations, the Company is primarily 
dependent upon processing crude oil and selling refined petroleum products at margins sufficient to cover fixed 
and variable costs and other expenses.  Crude oil and refined petroleum products are commodities and factors 
largely out of the Company’s control can cause prices to vary over time.  The potential margin volatility can have 
a material effect on the Company’s financial position, earnings and cash flow.     

F- 17

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

IPO-Related Reorganization Transactions

Concurrent with completion of the IPO, PBF LLC’s limited liability company agreement was amended and restated, 
among other things, to designate PBF Energy as the sole managing member of PBF LLC and to establish the PBF 
LLC Series C Units which are held solely by PBF Energy. The PBF LLC Series A Units continue to be held by 
parties other than PBF Energy (“the members of PBF LLC other than PBF Energy”). The PBF LLC Series C Units 
rank on parity with the PBF LLC Series A Units as to distribution rights, voting rights and rights upon liquidation, 
winding up or dissolution. Following the IPO, profits and losses of PBF LLC are allocated, and all distributions 
generally will be made, pro rata to the holders of PBF LLC Series A Units and PBF LLC Series C Units. In addition, 
the amended and restated limited liability company agreement of PBF LLC provides that any PBF LLC Series A 
Units acquired by PBF Energy will automatically be reclassified as PBF LLC Series C Units in connection with 
such acquisition.

As part of the IPO and reorganization transactions, each holder of PBF LLC Series A Units received one share of 
PBF Energy Class B common stock. The holder of a share of Class B common stock receives no economic rights 
but entitles the holder, without regard to the number of shares of Class B common stock held by such holder, to 
one vote on matters presented to stockholders of PBF Energy for each PBF LLC Series A Unit held by such holder. 
Holders of PBF Energy Class A common stock and Class B common stock vote together as a single class on all 
matters presented to stockholders for their vote or approval, except as otherwise required by applicable law. In 
connection with the IPO and related reorganization transactions, PBF Energy, PBF LLC and PBF LLC Series A 
Unit holders also entered into an exchange agreement pursuant to which each of the existing members of PBF LLC 
other than PBF Energy and other holders who acquire PBF LLC Series A Units upon the exercise of certain warrants 
and options, will have the right to cause PBF LLC to exchange their PBF LLC Series A Units for shares of PBF 
Energy  Class A  common  stock  on  a  one-for-one  basis,  subject  to  equitable  adjustments  for  stock  splits,  stock 
dividends and reclassifications. As of December 31, 2013, there were 57,201,674 PBF LLC Series A Units held 
by parties other than PBF Energy which upon exercise of the right to exchange would exchange for 57,201,674 
shares of PBF Energy Class A common stock. In addition, as of that date, there were options and warrants to acquire 
909,499 PBF LLC Series A Units outstanding, that upon exercise, could be exchanged for 909,499 shares of PBF 
Energy Class A common stock.

Initial Public Offering and Secondary Offering 

On December 12, 2012, a registration statement filed with the U.S. Securities and Exchange Commission relating 
to shares of Class A common stock of PBF Energy to be offered and sold in an initial public offering was declared 
effective. On December 12, 2012, PBF Energy completed an IPO of 23,567,686 shares of Class A common stock 
at a public offering price of $26.00 per share. The IPO closed on December 18, 2012.

PBF Energy used proceeds from the offering in the amount of $571,200 to purchase 21,967,686 PBF LLC Series 
A Units from funds affiliated with The Blackstone Group L.P. and First Reserve Management, L.P., PBF LLC’s 
financial sponsors, which were then reclassified as PBF LLC Series C Units. The remaining proceeds from the 
initial public offering in the amount of $41,600 were used to acquire 1,600,000 newly-issued PBF LLC Series C 
Units from PBF LLC. PBF LLC used the proceeds from the sale of the PBF LLC Series C Units to pay the expenses 
of the IPO. There was no change in carrying value of PBF LLC’s assets and liabilities as a result of the IPO or the 
IPO-related reorganization transactions.

Additionally, on June 12, 2013, Blackstone and First Reserve completed a public offering of 15,950,000 shares of 
PBF Energy Class A common stock at a price of $27.00 per share, less underwriting discounts and commissions, 
in a secondary public offering.  All of the shares were sold by funds affiliated with Blackstone and First Reserve.  
In connection with this offering, Blackstone and First Reserve exchanged 15,950,000 Series A Units of PBF LLC 
for an equivalent number of shares of PBF Energy Class A common stock. 

Noncontrolling Interest
As a result of the PBF Energy IPO and the related reorganization transactions on December 18, 2012, PBF Energy 
became the sole managing member of, and had a controlling interest in, PBF LLC which represented 24.4% of the 

F- 18

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

outstanding units. As the sole managing member of PBF LLC, PBF Energy operates and controls all of the business 
and affairs of PBF LLC and its subsidiaries.  In connection with the Secondary Offering, Blackstone and First 
Reserve exchanged 15,950,000 Series A Units of PBF LLC for an equivalent number of shares of Class A common 
stock of PBF Energy, which increased PBF Energy's interest in PBF LLC to approximately 40.9% as of December 
31, 2013.  

PBF Energy consolidates the financial results of PBF LLC and its subsidiaries, and records a noncontrolling interest 
for the economic interest in PBF Energy held by the members of PBF LLC other than PBF Energy. Noncontrolling 
interest on the consolidated statements of operations represents the portion of net income or loss attributable to 
the economic interest in PBF Energy held by the members of PBF LLC other than PBF Energy. Noncontrolling 
interest on the consolidated balance sheets represents the portion of net assets of PBF Energy attributable to the 
members of PBF LLC other than PBF Energy. The noncontrolling interest ownership percentages of PBF Energy 
are calculated as follows: 

December 18, 2012

December 31, 2012

June 12, 2013

December 31, 2013

Outstanding 
Shares
of PBF Energy 
Class A 
Common 
Stock

Holders of
PBF LLC Series
A Units

Total *

72,974,072

23,567,686

96,541,758

75.6%

24.4%

100%

72,972,131
75.6%

57,027,225
59.0%

57,201,674
59.1%

23,571,221
24.4%

39,563,835
41.0%

39,665,473
40.9%

96,543,352
100%

96,591,060
100%

96,867,147
100%

*

Assumes all of the holders of PBF LLC Series A Units exchange their PBF LLC Series A Units for shares
of the PBF Energy’s Class A common stock on a one-for-one basis.

Comprehensive income includes net income and other comprehensive income (loss) arising from activity related 
to the Company’s defined benefit employee benefit plan and unrealized gain on available for sale securities. The 
following  table  summarizes  the  allocation  of  total  comprehensive  income  between  the  controlling  and 
noncontrolling interests of PBF Energy for the year ended December 31, 2013:

Net income
Other comprehensive income (loss):

Unrealized loss on available for sale securities
Amortization of defined benefit plans unrecognized
net loss

Total other comprehensive loss
Total comprehensive income

Attributable to
PBF Energy Inc.
39,540
$

Noncontrolling
Interest

Total

$

174,545

$

214,085

(126)

(182)

(308)

(2,144)
(2,270)
37,270

$

(3,145)
(3,327)
171,218

$

(5,289)
(5,597)
208,488

$

The  following  table  summarizes  the  allocation  of  total  comprehensive  income  of  PBF  Energy  between  the 
controlling and noncontrolling interests for the year ended December 31, 2012:

F- 19

 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Net income
Other comprehensive income (loss):

Unrealized gain on available for sale securities
Amortization of defined benefit plans unrecognized
net loss

Total other comprehensive loss
Total comprehensive income

Tax Receivable Agreement

Attributable to
PBF Energy Inc.
1,956
$

Noncontrolling
Interest

Total

$

802,081

$

804,037

—

2

2

(61)
(61)
1,895

$

(6,506)
(6,504)
795,577

$

(6,567)
(6,565)
797,472

$

PBF LLC intends to make an election under Section 754 of the Internal Revenue Code (the “Code”) effective for 
each taxable year in which an exchange of PBF LLC Series A Units for PBF Energy Class A common stock as 
described above occurs, which may result in an adjustment to the tax basis of the assets of PBF LLC at the time 
of an exchange of PBF LLC Series A Units. As a result of both the initial purchase of PBF LLC Series A Units 
from the PBF LLC Series A Unit holders in connection with the IPO and subsequent exchanges, PBF Energy will 
become entitled to a proportionate share of the existing tax basis of the assets of PBF LLC. In addition, the purchase 
of PBF LLC Series A Units and subsequent exchanges are expected to result in increases in the tax basis of the 
assets of PBF LLC that otherwise would not have been available. Both this proportionate share and these increases 
in tax basis may reduce the amount of tax that PBF Energy would otherwise be required to pay in the future. These 
increases in tax basis may also decrease gains (or increase losses) on future dispositions of certain capital assets 
to the extent tax basis is allocated to those capital assets.

PBF Energy entered into a tax receivable agreement with the PBF LLC Series A Unit holders (the “Tax Receivable 
Agreement”) that provides for the payment by PBF Energy to the PBF LLC Series A Unit holders of an amount 
equal to 85% of the amount of the benefits, if any, that PBF Energy is deemed to realize as a result of (i) these 
increases in tax basis and (ii) certain other tax benefits related to entering into the Tax Receivable Agreement, 
including tax benefits attributable to payments under the Tax Receivable Agreement. For purposes of the Tax 
Receivable Agreement, the benefit deemed realized by PBF Energy will be computed by comparing the actual 
income tax liability of PBF Energy (calculated with certain assumptions) to the amount of such taxes that PBF 
Energy would have been required to pay had there been no increase to the tax basis of the assets of PBF LLC as 
a result of the purchase or exchanges of PBF LLC Series A Units and had PBF Energy not entered into the Tax 
Receivable Agreement. The term of the Tax Receivable Agreement will continue until all such tax benefits have 
been utilized or expired, unless PBF Energy exercises its right to terminate the Tax Receivable Agreement, PBF 
Energy breaches any of its material obligations under the Tax Receivable Agreement or certain changes of control 
occur, in which case all obligations will generally be accelerated and due as calculated under certain assumptions.

The payment obligations under the Tax Receivable Agreement are obligations of PBF Energy and not of PBF LLC 
or PBF Holding. In general, PBF Energy expects to obtain funding for these payments by causing PBF Holding 
to distribute cash to PBF LLC, which will then distribute this cash, generally as tax distributions, on a pro-rata 
basis to its owners. Such owners include PBF Energy, which holds a 40.9% interest as of December 31, 2013. 

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Principles of Consolidation and Presentation

These consolidated financial statements include the accounts of PBF Energy and subsidiaries in which PBF Energy 
has a controlling interest. All intercompany accounts and transactions have been eliminated in consolidation. 

F- 20

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Reclassification

Certain  amounts  previously  reported  in  the  Company's  consolidated  financial  statements  for  the  year  ended 
December 31, 2012  have been reclassified to conform to the 2013 presentation.

Use of Estimates

The  preparation  of  the  financial  statements  in  conformity  with  U.S.  generally  accepted  accounting  principles 
requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, 
revenues and expenses and the related disclosures. Actual results could differ from those estimates.

Cash and Cash Equivalents

The Company considers all highly liquid investments with original maturities of three months or less to be cash 
equivalents. The carrying amount of the cash equivalents approximates fair value due to the short-term maturity 
of those instruments.

Concentrations of Credit Risk

For the year ended December 31, 2013, Morgan Stanley Capital Group Inc. (“MSCG”) and Sunoco, Inc. (R&M) 
(“Sunoco”)  accounted  for  29%  and  10%  of  the  Company’s  revenues,  respectively. As  of  December 31,  2013,  
Sunoco accounted for 10% of accounts receivable.

For the year ended December 31, 2012, MSCG and Sunoco accounted for 57% and 10% of the Company’s revenues, 
respectively. As of December 31, 2012, Statoil Marketing and Trading (US) Inc. ("Statoil") and Sunoco accounted 
for 28% and 10% of accounts receivables, respectively.

For the year ended December 31, 2011, MSCG and Sunoco accounted for 52% and 12% of the Company’s revenues, 
respectively. 

Revenue, Deferred Revenue and Accounts Receivable

The Company sells various refined products primarily through its refinery subsidiaries and recognizes revenue 
related to the sale of products when there is persuasive evidence of an agreement, the sales prices are fixed or 
determinable, collectability is reasonably assured and when products are shipped or delivered in accordance with 
their respective agreements. Revenue for services is recorded when the services have been provided. The Company’s 
Toledo refinery has a products offtake agreement with Sunoco under which Sunoco purchases approximately one-
third of the refinery’s daily gasoline production. The Toledo refinery also sells its products through short-term 
contracts or on the spot market.

Prior to June 30, 2013, the Company’s Paulsboro and Delaware City refineries sold light finished products, certain 
intermediates and lube base oils to MSCG under products offtake agreements with each refinery (the “Offtake 
Agreements”). On a daily basis, MSCG purchased and paid for the refineries’ production of light finished products 
as they were produced, delivered to the refineries’ storage tanks, and legal title passed to MSCG.  Revenue on 
these product sales was deferred until they shipped out of the storage facility by MSCG.

Under the Offtake Agreements, the Company’s Paulsboro and Delaware City refineries also entered into purchase 
and  sale  transactions  of  certain  intermediates  and  lube  base  oils  whereby  MSCG  purchased  and  paid  for  the 
refineries’ production of certain intermediates and lube products as they were produced and legal title passed to 
MSCG. The intermediate products were held in the refineries’ storage tanks until they were needed for further use 
in the refining process. The intermediates may also have been sold to third parties. The refineries had the right to 
repurchase lube products and did so to supply other third parties with that product. When the refineries needed 
intermediates or lube products, the products were drawn out of the storage tanks, title passed back to the refineries 
and  MSCG  was  paid  for  those  products. These  transactions  occurred  at  the  daily  market  price  for  the  related 
products. These transactions were considered to be made in contemplation of each other and, accordingly, did not 
result in the recognition of a sale when title passed from the refineries to MSCG. Inventory remained at cost and 
F- 21

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

the net cash receipts resulted in a liability that was recorded at market price for the volumes held in storage with 
any change in the market price being recorded in costs of sales. The liability represented the amount the Company 
expected to pay to repurchase the volumes held in storage.

While MSCG had legal title, it had the right to encumber and/or sell these products and any such sales by MSCG 
resulted in sales being recognized by the refineries when products were shipped out of the storage facility. As the 
exclusive vendor of intermediate products to the refineries, MSCG had the obligation to provide the intermediate 
products to the refineries as they were needed. Accordingly, sales by MSCG to others were limited and only made 
with the Company or its subsidiaries’ approval. 

As of July 1, 2013, the Company terminated the Offtake Agreements for the Company’s Paulsboro and Delaware 
City  refineries.  The  Company  entered  into  two  separate  inventory  intermediation  agreements  (“Inventory 
Intermediation Agreements”) with J. Aron & Company ("J. Aron") on June 26, 2013 which commenced upon the 
termination of the product offtake agreements with MSCG. 

Pursuant to the Inventory Intermediation Agreements, J. Aron purchases and holds title to all of the intermediate 
and finished products (the "Products") produced by the Delaware City and Paulsboro refineries and delivered into 
the  Company's  tanks  at  the  refineries. All  purchase  and  sale  transactions  under  the  Inventory  Intermediation 
Agreements are consummated at a benchmark market price adjusted for a specified product type differential. The 
sale  and  purchase  transactions  under  the  Inventory  Intermediation Agreements  are  considered  to  be  made  in 
contemplation of each other and, accordingly, do not result in the recognition of a sale when title passes to J. Aron. 
The Products inventory remains on the Company's balance sheet at cost and the net cash receipts result in a liability 
that is recorded at market price for the volume of Products inventory held in the Company's refineries’ storage 
tanks with any change in the market price recorded in costs of sales.  

Furthermore, J. Aron sells the Products back to the Company as the Products are discharged out of the refineries' 
tanks.  J.  Aron  has  the  right  to  store  the  Products  purchased  in  the  Company's  tanks  under  the  Inventory 
Intermediation Agreements and will retain these storage rights for the term of the agreements. Inventory held 
outside the refineries may be owned by the Company or by J. Aron under the Inventory Intermediation Agreements. 
The Company markets and sells the Products independently to third parties. 

The Company’s Paulsboro and Delaware City refineries sell and purchase feedstocks under a supply agreement 
with Statoil (the “Crude Supply Agreements”).  Statoil purchases the refineries' production of certain feedstocks 
or purchases feedstocks from third parties on the refineries' behalf. Legal title to the feedstocks is held by Statoil 
and the feedstocks are held in the refineries' storage tanks until they are needed for further use in the refining 
process. At that time, the products are drawn out of the storage tanks and purchased by the refinery. These purchases 
and sales are settled monthly at the daily market prices related to those products. These transactions are considered 
to be made in contemplation of each other and, accordingly, do not result in the recognition of a sale when title 
passes from the refineries to Statoil. Inventory remains at cost and the net cash receipts result in a liability which 
is discussed further in the Inventory note below. The Company terminated its supply agreement with Statoil for 
its Paulsboro refinery in March 2013. 

Accounts receivable are carried at invoiced amounts. An allowance for doubtful accounts is established, if required, 
to report such amounts at their estimated net realizable value. In estimating probable losses, management reviews 
accounts that are past due and determines if there are any known disputes. There was no allowance for doubtful 
accounts at December 31, 2013 and 2012.

Excise taxes on sales of refined products that are collected from customers and remitted to various governmental 
agencies are reported on a net basis.

Inventory

Inventories are carried at the lower of cost or market. The cost of crude oil, feedstocks, blendstocks and refined 
products are determined under the last-in first-out (“LIFO”) method using the dollar value LIFO method with any 
increments valued based on average purchase prices during the year. The cost of supplies and other inventories is 
determined principally on the weighted average cost method.

F- 22

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The Company’s Delaware City refinery acquires a portion of its crude oil from Statoil under the Crude Supply 
Agreements as did the Paulsboro refinery prior to the termination of its crude supply agreement with Statoil in 
March 2013. The Company takes title to the crude oil as it is delivered to the processing units, in accordance with 
the Crude Supply Agreements; however, the Company is obligated to purchase all the crude oil held by Statoil on 
the Company’s behalf upon termination of the agreement at the then market price. The Paulsboro crude supply 
agreement also included an obligation to purchase a fixed volume of feedstocks from Statoil on the later of maturity 
or when the arrangement is terminated based on a forward market price of West Texas Intermediate crude oil. As 
a result of the purchase obligations, the Company records the inventory of crude oil and feedstocks in the refineries’ 
storage facilities. The Company determined the purchase obligations to be contracts that contain derivatives that 
change in value based on changes in commodity prices. Such changes in the fair value of these derivatives are 
included in cost of sales. On October 31, 2012, the Delaware City crude supply agreement was amended and 
modified to among other things, allow the Company to directly purchase U.S. and Canadian onshore origin crude 
oil and feedstock that is delivered to the Delaware City refinery via rail independent of Statoil.

The Company’s Toledo refinery acquires substantially all of its crude oil from MSCG under a crude oil acquisition 
agreement (the “Toledo Crude Oil Acquisition Agreement”). Under the Toledo Crude Oil Acquisition Agreement, 
the Company takes title to crude oil at various pipeline locations for delivery to the refinery or sale to third parties. 
The Company records the crude oil inventory when it receives title. Payment for the crude oil is due to MSCG 
under the Toledo Crude Oil Acquisition Agreement three days after the crude oil is delivered to the Toledo refinery 
processing units or upon sale to a third party. 

Property, Plant and Equipment

Property, plant and equipment additions are recorded at cost. The Company capitalizes costs associated with the 
preliminary, pre-acquisition and development/construction stages of a major construction project. The Company 
capitalizes the interest cost associated with major construction projects based on the effective interest rate of total 
borrowings. The Company also capitalizes costs incurred in the acquisition and development of software for internal 
use, including the costs of software, materials, consultants and payroll-related costs for employees incurred in the 
application development stage.

Depreciation is computed using the straight-line method over the following estimated useful lives:

Process units and equipment
Pipeline and equipment
Buildings
Computers, furniture and fixtures
Leasehold improvements
Railcars

5-25 years
5-25 years
25-40 years
3-15 years
20 years
50 years

Maintenance and repairs are charged to operating expenses as they are incurred. Improvements and betterments, 
which extend the lives of the assets, are capitalized.

Deferred Charges and Other Assets, Net

Deferred charges and other assets include refinery turnaround costs, catalyst, precious metals catalyst, linefill, 
deferred financing costs and intangible assets. Refinery turnaround costs, which are incurred in connection with 
planned major maintenance activities, are capitalized when incurred and amortized on a straight-line basis over 
the period of time estimated to lapse until the next turnaround occurs (generally 3 to 5 years).

F- 23

 
  
  
  
  
  
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Precious metals catalyst and linefill are considered indefinite-lived assets as they are not expected to deteriorate 
in their prescribed functions. Such assets are assessed for impairment in connection with the Company’s review 
of its long-lived assets as indicators of impairment develop.

Deferred financing costs are capitalized when incurred and amortized over the life of the loan (1 to 8 years).

Intangible assets with finite lives primarily consist of catalyst, emission credits and permits and are amortized over 
their estimated useful lives of 1 to 10 years.

Long-Lived Assets and Definite-Lived Intangibles

The Company reviews its long-lived assets for impairment whenever events or changes in circumstances indicate 
the carrying value may not be recoverable. Impairment is evaluated by comparing the carrying value of the long-
lived assets to the estimated undiscounted future cash flows expected to result from use of the assets and their 
ultimate disposition. If such analysis indicates that the carrying value of the long-lived assets is not considered to 
be recoverable, the carrying value is reduced to the fair value.

Impairment assessments inherently involve judgment as to assumptions about expected future cash flows and the 
impact of market conditions on those assumptions. Although management would utilize assumptions that it believes 
are reasonable, future events and changing market conditions may impact management’s assumptions, which could 
produce different results.

Asset Retirement Obligations

The Company records an asset retirement obligation at fair value for the estimated cost to retire a tangible long-
lived asset at the time the Company incurs that liability, which is generally when the asset is purchased, constructed, 
or leased. The Company records the liability when it has a legal or contractual obligation to incur costs to retire 
the asset and when a reasonable estimate of the fair value of the liability can be made. If a reasonable estimate 
cannot be made at the time the liability is incurred, the Company will record the liability when sufficient information 
is available to estimate the liability’s fair value. Certain of the Company’s asset retirement obligations are based 
on its legal obligation to perform remedial activity at its refinery sites when it permanently ceases operations of 
the long-lived assets. The Company therefore considers the settlement date of these obligations to be indeterminable. 
Accordingly, the Company cannot calculate an associated asset retirement liability for these obligations at this 
time. The  Company  will  measure  and  recognize  the  fair  value  of  these  asset  retirement  obligations  when  the 
settlement date is determinable.

Environmental Matters

Liabilities for future remediation costs are recorded when environmental assessments and/or remedial efforts are 
probable and the costs can be reasonably estimated. Other than for assessments, the timing and magnitude of these 
accruals generally are based on the completion of investigations or other studies or a commitment to a formal plan 
of action. Environmental liabilities are based on best estimates of probable future costs using currently available 
technology and applying current regulations, as well as the Company’s own internal environmental policies. The 
measurement of environmental remediation liabilities may be discounted to reflect the time value of money if the 
aggregate amount and timing of cash payments of the liabilities are fixed or reliably determinable. The actual 
settlement of the Company’s liability for environmental matters could materially differ from its estimates due to 
a number of uncertainties such as the extent of contamination, changes in environmental laws and regulations, 
potential improvements in remediation technologies and the participation of other responsible parties.

Stock-Based Compensation

Stock-based compensation includes the accounting effect of options to purchase PBF Energy Class A common 
stock granted by the Company to certain employees, Series A warrants issued or granted by PBF LLC to employees 
in connection with their acquisition of PBF LLC Series A units, options to acquire Series A units of PBF LLC 

F- 24

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

granted by PBF LLC to certain employees, Series B units of PBF LLC that were granted to certain members of 
management and restricted PBF LLC Series A Units and restricted PBF Energy Class A common stock granted to 
certain directors. The estimated fair value of the options to purchase PBF Energy Class A common stock and the 
PBF LLC Series A warrants and options, is based on the Black-Scholes option pricing model and the fair value of 
the PBF LLC Series B units is estimated based on a Monte Carlo simulation model. The estimated fair value is 
amortized as stock-based compensation expense on a straight-line method over the vesting period and included in 
general and administration expense.

Income Taxes

As a result of the PBF Energy’s acquisition of PBF LLC Series A Units or exchanges of PBF LLC Series A Units 
for PBF Energy Class A common stock, PBF Energy expects to benefit from amortization and other tax deductions 
reflecting the step up in tax basis in the acquired assets. Those deductions will be allocated to PBF Energy and 
will be taken into account in reporting PBF Energy’s taxable income. As a result of a federal income tax election 
made by PBF LLC, applicable to a portion of PBF Energy’s acquisition of PBF LLC Series A Units, the income 
tax basis of the assets of PBF LLC, underlying a portion of the units PBF Energy acquired, has been adjusted based 
upon the amount that PBF Energy paid for that portion of its PBF LLC Series A Units. PBF Energy has entered 
into an agreement with the . members of PBF LLC other than PBF Energy that will provide for an additional 
payment by PBF Energy to the exchanging holders of PBF LLC Units equal to 85% of the amount of cash savings, 
if any, in U.S. federal, state and local income tax that PBF Energy realizes as a result of (i) these increases in tax 
basis and (ii) certain other tax benefits related to entering into the tax receivable agreement, including tax benefits 
attributable to payments under the tax receivable agreement. As a result of these transactions, PBF Energy’s tax 
basis in its share of PBF LLC’s assets will be higher than the book basis of these same assets. This resulted in a 
deferred tax asset of $310,132 as of December 31, 2013, of which the majority is expected to be realized over 10 
years as the tax basis of these assets is amortized.

Deferred taxes are provided using a liability method, whereby deferred tax assets are recognized for deductible 
temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary 
differences represent the differences between the reported amounts of assets and liabilities and their tax bases. 
Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely 
than not that some portion or all of the deferred tax assets will not be realized. Deferred tax assets and liabilities 
are adjusted for the effect or change in tax laws and rates on the date of enactment. PBF Energy recognizes tax 
benefits for uncertain tax positions only if it is more likely than not that the position is sustainable based on its 
technical merits. Interest and penalties on uncertain tax positions are included as a component of the provision for 
income taxes on the consolidated statements of operations.

As PBF Holding is a limited liability company treated as a “flow-through” entity for income tax purposes, there 
is no benefit or provision for federal or state income tax in the accompanying financial statements. 

The Federal and state tax returns for all years since inception (March 1, 2008) are subject to examination by the 
respective tax authorities. 

Net Income Per Share

For the period subsequent to the IPO basic net income per share is calculated by dividing the net income available 
to PBF Energy Class A common stockholders by the weighted average number of shares of PBF Energy Class A 
common stock outstanding during the period. Diluted net income per share is calculated by dividing the net income 
available to PBF Energy Class A common stockholders, adjusted for the net income attributable to the noncontrolling 
interest and the assumed income tax expense thereon, by the weighted average number of PBF Energy Class A 
common shares outstanding during the period adjusted to include the assumed exchange of all PBF LLC Series A 
units outstanding for PBF Energy Class A common stock, if applicable under the if converted method, and the 
potentially dilutive effect of outstanding options to purchase shares of PBF Energy Class A common stock, and 
options and warrants to purchase PBF LLC Series A Units, subject to forfeiture utilizing the treasury stock method.

F- 25

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Pension and Other Post-Retirement Benefits

The Company recognizes an asset for the overfunded status or a liability for the underfunded status of its pension 
and post-retirement benefit plans. The funded status is recorded within other long-term liabilities. Changes in the 
plans’ funded status are recognized in other comprehensive income in the period the change occurs.

Fair Value Measurement

A fair value hierarchy (Level 1, Level 2, or Level 3) is used to categorize fair value amounts based on the quality 
of inputs used to measure fair value. Accordingly, fair values derived from Level 1 inputs utilize quoted prices in 
active markets for identical assets or liabilities. Fair values derived from Level 2 inputs are based on quoted prices 
for similar assets and liabilities in active markets, and inputs other than quoted prices that are either directly or 
indirectly observable for the asset or liability. Level 3 inputs are unobservable inputs for the asset or liability, and 
include situations where there is little, if any, market activity for the asset or liability.

The Company uses appropriate valuation techniques based on the available inputs to measure the fair values of its 
applicable assets and liabilities. When available, the Company measures fair value using Level 1 inputs because 
they generally provide the most reliable evidence of fair value. In some valuations, the inputs may fall into different 
levels in the hierarchy. In these cases, the asset or liability level within the fair value hierarchy is based on the 
lowest level of input that is significant to the fair value measurements.

Financial Instruments

The estimated fair value of financial instruments has been determined based on the Company’s assessment of 
available market information and appropriate valuation methodologies. The Company’s non-derivative financial 
instruments that are included in current assets and current liabilities are recorded at cost in the consolidated balance 
sheets. The estimated fair value of these financial instruments approximates their carrying value due to their short-
term nature. Derivative instruments are recorded at fair value in the consolidated balance sheets.

The Company’s commodity contracts are measured and recorded at fair value using Level 1 inputs based on quoted 
prices in an active market or Level 2 inputs based on quoted market prices for similar instruments. The Company’s 
catalyst lease obligation and derivatives related to the Company’s crude oil and feedstocks and refined product 
purchase obligations are measured and recorded at fair value using Level 2 inputs on a recurring basis, based on 
observable market prices.

Derivative Instruments

The Company is exposed to market risk, primarily related to changes in commodity prices for the crude oil and 
feedstocks used in the refining process as well as the prices of the refined products sold. The accounting treatment 
for commodity contracts depends on the intended use of the particular contract and on whether or not the contract 
meets the definition of a derivative.

All derivative instruments, not designated as normal purchases or sales, are recorded in the balance sheet as either 
assets or liabilities measured at their fair values. Changes in the fair value of derivative instruments that either are 
not designated or do not qualify for hedge accounting treatment or normal purchase or normal sale accounting are 
recognized currently in earnings. Contracts qualifying for the normal purchase and sales exemption are accounted 
for upon settlement. Cash flows related to derivative instruments that are not designated or do not qualify for hedge 
accounting treatment are included in operating activities.

The Company designates certain derivative instruments as fair value hedges of a particular risk associated with a 
recognized asset or liability. At the inception of the hedge designation, the Company documents the relationship 
between the hedging instrument and the hedged item, as well as its risk management objective and strategy for 
undertaking various hedge transactions. Derivative gains and losses related to these fair value hedges, including 
hedge ineffectiveness, are recorded in cost of sales along with the change in fair value of the hedged asset or liability 

F- 26

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

attributable to the hedged risk. Cash flows related to derivative instruments that are designated as fair value hedges 
are included in operating activities.

Economic hedges are hedges not designated as fair value or cash flow hedges for accounting purposes that are 
used to (i) manage price volatility in certain refinery feedstock and refined product inventories, and (ii) manage 
price volatility in certain forecasted refinery feedstock, refined product, and refined product sales. These instruments 
are recorded at fair value and changes in the fair value of the derivative instruments are recognized currently in 
cost of sales.

Derivative accounting is complex and requires management judgment in the following respects: identification of 
derivatives  and  embedded  derivatives,  determination  of  the  fair  value  of  derivatives,  documentation  of  hedge 
relationships, assessment and measurement of hedge ineffectiveness and election and designation of the normal 
purchases and sales exception. All of these judgments, depending upon their timing and effect, can have a significant 
impact on the Company’s earnings.

Recently Issued Accounting Pronouncements

On January 1, 2013, the Company adopted changes issued by the Financial Accounting Standards Board ("FASB") 
to  the  disclosure  of  offsetting  assets  and  liabilities. These  changes  require  an  entity  to  disclose  gross  and  net 
information  about  instruments  and  transactions  eligible  for  offset  in  the  statement  of  financial  position  and 
instruments  and  transactions  subject  to  an  agreement  similar  to  a  master  netting  arrangement.  The  enhanced 
disclosures will enable users of an entity's financial statements to understand and evaluate the effect or potential 
effect of master netting arrangements on an entity's financial position, including the effect or potential effect of 
rights of setoff associated with certain financial instruments and derivative instruments. As of December 31, 2013 
and 2012, the impact of offsetting assets and liabilities was not material to the Company and additional disclosure 
is not included in the Company's consolidated financial statements.

On January 1, 2013, the Company adopted changes issued by the FASB to the reporting of amounts reclassified 
out of accumulated other comprehensive income. These changes require an entity to report the effect of significant 
reclassifications out of accumulated other comprehensive income on the respective line items in net income if the 
amount being reclassified is required to be reclassified in its entirety to net income. For other amounts that are not 
required to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-
reference other disclosures that provide additional detail about those amounts. These requirements are to be applied 
to each component of accumulated other comprehensive income.  For the years ended December 31, 2013, 2012 
and 2011, the impact of reclassification out of accumulated other comprehensive income was not material to the 
Company and additional disclosure is not included in the Company's consolidated financial statements.

3. ACQUISITIONS

Toledo Acquisition

On March 1, 2011, a subsidiary of the Company completed the acquisition of the Toledo refinery in Ohio from 
Sunoco. The Toledo refinery has a crude oil throughput capacity of 170,000 barrels per day. The purchase price 
for the refinery was $400,000, subject to certain adjustments, and was comprised of $200,000 in cash and a $200,000 
promissory note provided by Sunoco. The note was repaid in full in February 2012. The terms of the transaction 
also  include  participation  payments  beginning  in  the  year  ended  December 31,  2011  through  the  year  ending 
December 31, 2016 not to exceed $125,000 in the aggregate. Participation payments were based on 25% of the 
purchased  assets’  earnings  before  interest,  taxes,  depreciation  and  amortization,  as  defined  in  the  agreement 
(“EBITDA”) in excess of an annual threshold EBITDA of $125,000 (prorated for 2011 and 2016). Each participation 
payment was due no later than one hundred and twenty days after the close of the respective calendar year end for 
the years 2011 through 2016. The Company paid $103,643 to Sunoco in April 2012 and $21,357 in April 2013 
related to the amount of contingent consideration earned in 2011 and 2012, respectively.

F- 27

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The Company purchased certain finished and intermediate products for approximately $299,645 with the proceeds 
from a note provided by Sunoco (the “Toledo Inventory Note Payable”). The note had an interest rate at the lower 
of LIBOR plus 5.5%, or 7.5% and was repaid on May 31, 2011. The Company also purchased crude oil inventory 
for $338,395, which it concurrently sold to MSCG for its market value of $369,999. The net cash received from 
this transaction was recorded as a reduction in the total purchase price.

The Toledo acquisition was accounted for as a business combination. The purchase price of $784,818 includes the 
estimated fair value of future participation payments (contingent consideration). The fair value of the contingent 
consideration was estimated using a discounted cash flow analysis, a Level 3 measurement, as more fully described 
at Note 21. The following table summarizes the amounts recognized for assets acquired and liabilities assumed as 
of the acquisition date.

The total purchase price and the estimated fair values of the assets and liabilities at the acquisition date were as 
follows:

Net cash
Seller promissory note
Seller note for inventory
Estimated fair value of contingent consideration

Current assets
Land
Property, plant and equipment
Other assets
Current liabilities

Purchase Price

168,156
200,000
299,645
117,017

784,818

Fair Value
Allocation

305,645
8,065
452,084
24,640
(5,616)

784,818

$

$

$

$

The Company’s consolidated financial statements for the years ended December 31, 2013, 2012 and 2011 include 
the results of operations of the Toledo refinery since March 1, 2011. The actual results for the Toledo refinery for 
the period from March 1, 2011 to December 31, 2011, are shown below. The revenues and net income of the 
Company assuming the acquisition had occurred on January 1, 2011, are shown below on a pro forma basis. The 
pro forma information does not purport to present what the Company’s actual results would have been had the 
acquisition occurred on January 1, 2011, nor is the financial information indicative of the results of future operations. 
The unaudited pro forma financial information includes the depreciation and amortization expense related to the 
acquisition and interest expense associated with the Toledo acquisition financing.

Actual results for March 1, 2011 to December 31, 2011
Supplemental pro forma for January 1, 2011 to December 31, 2011

Revenues

Net Income

$
$

6,113,055
15,961,529

$
$

489,243
328,142

F- 28

 
 
 
 
 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

4. INVENTORIES

Inventories consisted of the following:

Crude oil and feedstocks

Refined products and blendstocks

Warehouse stock and other

Crude oil and feedstocks

Refined products and blendstocks

Warehouse stock and other

December 31, 2013

Titled
Inventory

Inventory
Supply and
Offtake
Arrangements

518,599

$

89,837

$

425,033

33,762

378,286

—

Total

608,436

803,319

33,762

977,394

$

468,123

$

1,445,517

$

$

December 31, 2012

Titled
Inventory

Inventory
Supply and
Offtake
Arrangements

384,441

$

257,947

$

405,545

31,321

417,865

—

Total

642,388

823,410

31,321

821,307

$

675,812

$

1,497,119

$

$

Inventory under inventory supply and offtake arrangements includes the inventory held in the Company’s refineries' 
storage  facilities  in  connection  with  the  Crude  Supply  Agreements,  Offtake  Agreements  and  Inventory 
Intermediation Agreements.

At December 31, 2013 and December 31, 2012, the replacement value of inventories exceeded the LIFO carrying 
value by approximately $78,407 and $79,859, respectively. 

5. PROPERTY, PLANT AND EQUIPMENT, NET

Property, plant and equipment consisted of the following:

Land
Process units, pipelines and equipment
Buildings and leasehold improvements
Computers, furniture and fixtures
Construction in progress

Less—Accumulated depreciation

F- 29

December 31, 
2013

December 31,
2012

$

$

61,780
1,658,256
25,577
54,496
166,565
1,966,674
(185,085)
1,781,589

$

$

61,780
1,484,727
11,073
38,657
145,525
1,741,762
(106,175)
1,635,587

 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The Company commenced the restart of the Delaware City refinery during June 2011 and began depreciating the 
assets placed in service effective July 1, 2011. Depreciation expense for the years ended December 31, 2013, 2012 
and 2011 was $79,413, $64,947 and $39,968, respectively. The Company capitalized $5,672 and $6,697 in interest 
during 2013 and 2012, respectively, in connection with construction in progress.

6. DEFERRED CHARGES AND OTHER ASSETS, NET

Deferred charges and other assets, net consisted of the following: 

Deferred turnaround costs, net

Catalyst

Deferred financing costs, net

Restricted cash

Linefill

Intangible assets, net

Other

December 31,
2013

December 31,
2012

$

119,383

$

88,964

26,541

12,117

9,636

653

5,185

78,128

66,377

30,987

12,114

8,042

1,085

616

$

262,479

$

197,349

The Company recorded amortization expense related to deferred turnaround costs, catalyst and intangible assets 
of $32,066, $27,291 and $13,776 for the years ended December 31, 2013, 2012 and 2011 respectively.

Intangible assets, net was comprised of permits and emission credits as follows:

Gross amount
Accumulated amortization

Net amount

December 31,
2013

December 31,
2012

$

$

3,597
(2,944)
653

$

$

3,597
(2,512)
1,085

F- 30

 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

7. ACCRUED EXPENSES 

PBF Energy 

Accrued expenses consisted of the following:

Inventory-related accruals

Inventory supply and offtake arrangements

Excise and sales tax payable   
Accrued construction in progress

Accrued transportation costs

Accrued utilities

Customer deposits

Accrued interest

Renewable energy credit obligations

Accrued salaries and benefits

Income taxes payable

Fair value of contingent consideration for refinery acquisition
Other

 PBF Holding 
Accrued expenses consisted of the following:

Inventory-related accruals

Inventory supply and offtake arrangements

Excise and sales tax payable   
Accrued construction in progress

Accrued transportation costs

Accrued utilities

Customer deposits

Accrued interest

Renewable energy credit obligations

Accrued salaries and benefits

Fair value of contingent consideration for refinery acquisition
Other

December 31,
2013

December 31,
2012

$

533,012

$

454,893

42,814

33,747

29,762

25,959

23,621
22,570

15,955

10,799

—

—

16,749

287,929

536,594

40,776

16,481

20,338

19,060

26,541
22,764

—

15,212

1,275

21,358

23,139

$

1,209,881

$

1,031,467

December 31,
2013

December 31,
2012

$

533,012

$

454,893

42,814

33,747

29,762

25,959

23,621

22,570

15,955

10,799

—

17,813

287,929

536,594

36,414

16,481

20,338

19,060

26,541

22,764

—

15,212

21,358

23,227

$

1,210,945

$

1,025,918

The Company has the obligation to repurchase certain intermediates and finished products that are held in the 
Company’s  refinery  storage  tanks  in  accordance  with  the  Inventory  Intermediation Agreements  with  J. Aron 
commencing  in  July  2013.   As  of  December 31,  2013,  a  liability  included  in  Inventory  supply  and  offtake 

F- 31

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

arrangements is recorded at market price for the J. Aron owned inventory held in the Company's storage tanks 
under the Inventory Intermediation Agreements, with any change in the market price being recorded in costs of 
sales.  

Prior to July 1, 2013, the Company had the obligation to repurchase certain intermediates and lube products under 
its Offtake Agreements that were held in the Company’s refinery storage tanks.  A liability included in Inventory 
supply and Offtake Arrangements was recorded at market price for the volumes held in storage consistent with the 
terms of the Offtake Agreements with any change in the market price recorded in costs of sales.  The liability 
represented the amount the Company expected to pay to repurchase the volumes held in storage.  The Company 
recorded a non-cash benefit of $20,248 and a non-cash charge of $11,619 related to this liability in the years ended 
December 31, 2013 and 2012, respectively. 

The Company is subject to obligations to purchase Renewable Identification Numbers ("RINs") required to comply 
with the Renewable Fuels Standard. The Company's overall RINs obligation is based on a percentage of domestic 
shipments of on-road fuels as established by the Environmental Protection Agency ("EPA").  To the degree the 
Company is unable to blend the required amount of biofuels to satisfy our RINs obligation, RINs must be purchased 
on the open market to avoid penalties and fines.  The Company records its RINs obligation on a net basis in Accrued 
expenses when its RINs liability is greater than the amount of RINs earned and purchased in a given period and 
in Prepaid expenses and other current assets when the amount of RINs earned and purchased is greater than the 
RINs liability. 

8. DELAWARE ECONOMIC DEVELOPMENT AUTHORITY LOAN

In June 2010, in connection with the Delaware City acquisition, the Delaware Economic Development Authority 
(the “Authority”) granted the Company a $20,000 loan to assist with operating costs and the cost of restarting the 
refinery. The loan is represented by a zero interest rate note and the entire unpaid principal amount is payable in 
full on March 1, 2017, unless the loan is converted to a grant.  The Company recorded the loan as a long-term 
liability pending approval from the Authority that it has met the requirements to convert the remaining loan balance 
to a grant. 

The loan converts to a grant in tranches of up to $4,000 annually over a five-year period, starting at the one-year 
anniversary of the “certified restart date” as defined in the agreement and certified by the Authority. In order for 
the loan to be converted to a grant, the Company is required to utilize at least 600 man hours of labor in connection 
with the reconstruction and restarting of the Delaware City refinery, expend at least $125,000 in qualified capital 
expenditures,  commence  refinery  operations,  and  maintain  certain  employment  levels,  all  as  defined  in  the 
agreement. In February 2013 and October 2013, the Company received confirmation from the Authority that the 
Company had satisfied the conditions necessary for the first and second $4,000 tranche of the loan to be converted 
to a grant.  As a result of the grant conversion, property, plant and equipment, net was reduced by $8,000 as of 
December 31, 2013, as the proceeds from the loan were used for capital projects. 

9. CREDIT FACILITY AND LONG-TERM DEBT

Revolving Loan

In October 2012, PBF Holding amended and restated its asset based revolving credit agreement (“Revolving Loan”) 
to a maximum availability of $1,575,000 and extended the maturity date to October 26, 2017. In addition, the 
Applicable Margin, as defined in the agreement, was amended to a range of 0.75% to 1.50% for Alternative Base 
Rate Loans and 1.75% to 2.50% for Adjusted LIBOR Rate Loans, and the Commitment Fee, as defined in the 
agreement, was amended to a range of 0.375% to 0.50%, all depending on the Company’s debt rating. The Revolving 
Loan was further expanded to a maximum availability of $1,610,000 in November 2013.

F- 32

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Advances under the Revolving Loan cannot exceed the lesser of $1,610,000 or the Borrowing Base, as defined in 
the agreement. The Revolving Loan can be prepaid, without penalty, at any time. Interest on the Revolving Loan 
is payable quarterly in arrears, at the option of PBF Holding, either at the Alternate Base Rate plus the Applicable 
Margin, or at the Adjusted LIBOR Rate plus the Applicable Margin, all as defined in the agreement. PBF Holding 
is required to pay a LC Participation Fee, as defined in the agreement on each outstanding letter of credit issued 
under the Revolving Loan equal to the Applicable Margin applied to Adjusted LIBOR Rate Loans, plus a Fronting 
Fee equal to 0.125%.

The Revolving Loan has a financial covenant which requires that at any time Excess Availability, as defined in the 
agreement, is less than the greater of (i) 17.5% of the lesser of the Borrowing Base and the aggregate Revolving 
Commitments of the Lenders, or (ii) $35,000, PBF Holding will not permit the Consolidated Fixed Charge Coverage 
Ratio, as defined in the agreement, determined as of the last day of the most recently completed quarter, to be less 
than 1.1 to 1.0. PBF Holding was in compliance with this covenant as of December 31, 2013.

All obligations under the Revolving Loan are guaranteed (solely on a limited recourse basis) to the extent required 
to support the lien described in clause (y) below by PBF LLC, PBF Finance, and each of our domestic operating 
subsidiaries and secured by a lien on (y) PBF LLC’s equity interests in PBF Holding and (z) substantially all of 
the assets of PBF Holding and the subsidiary guarantors (subject to certain exceptions). The lien of the Revolving 
Loan is secured by: all deposit accounts (other than zero balance accounts, cash collateral accounts, trust accounts 
and/or payroll accounts, all of which are excluded from the collateral); all accounts receivables; all hydrocarbon 
inventory (other than the Saudi crude oil pledged under the letter of credit facility); to the extent evidencing, 
governing,  securing  or  otherwise  related  to  the  foregoing,  all  general  intangibles,  chattel  paper,  instruments, 
documents, letter of credit rights and supporting obligations; and all products and proceeds of the foregoing.

At December 31, 2013, PBF Holding had $15,000 outstanding loans and standby letters of credit of $441,368 
issued under the Revolving Loan. At December 31, 2012, PBF Holding had no outstanding loans of and standby 
letters of credit of $449,652 issued under the Revolving Loan.

Senior Secured Notes

On February 9, 2012, PBF Holding completed the offering of $675,000 aggregate principal amount of 8.25% 
Senior Secured Notes due 2020. The net proceeds, after deducting the original issue discount, the initial purchasers’ 
discounts and commissions, and the fees and expenses of the offering, were used to repay all of the outstanding 
indebtedness plus accrued interest owed under the Toledo Promissory Note, the Paulsboro Promissory Note, and 
the Term Loan, as well as to reduce the outstanding balance of the Revolving Loan. The Company’s Executive 
Chairman of the Board of Directors, and certain of his affiliates and family members, and certain of the Company’s 
other executives, purchased $25,500 aggregate principal amount of these Senior Secured Notes in connection with 
the offering which were subsequently sold to third parties in 2013. 

The Senior Secured Notes are secured on a first-priority basis by substantially all of the present and future assets 
of PBF Holding and its subsidiaries (other than assets securing the Revolving Loan). Payment of the Senior Secured 
Notes is jointly and severally guaranteed by all of PBF Holding’s subsidiaries. PBF Holding has optional redemption 
rights to repurchase all or a portion of the Senior Secured Notes at varying prices no less than 100% of the principal 
amounts of the notes plus accrued and unpaid interest. The holders of the Senior Secured Notes have repurchase 
options exercisable only upon a change in control, certain asset sale transactions, or in event of a default as defined 
in the indenture agreement. In addition, the Senior Secured Notes contain covenant restrictions limiting certain 
types of additional debt, equity issuances, and payments. PBF Holding is in compliance with the covenants as of 
December 31, 2013.

Delaware City Construction Financing

In October 2010, subsidiaries of the Company entered into a project management and financing agreement for a 
capital project at the Delaware City refinery. On August 5, 2011 the Delaware City construction advances in the 
amount of $20,000 were converted to a term financing payable in equal monthly installments of $530 over a period 

F- 33

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

of sixty months beginning September 1, 2011 (“Construction Financing”). On August 31, 2012, the Company 
repaid  all  outstanding  indebtedness  plus  accrued  interest  owed  on  the  Construction  Financing. The  Company 
recorded a loss of $2,797 in interest expense for the early retirement of debt in the year ended December 31, 2012.

Catalyst Leases

Subsidiaries of the Company have entered into agreements at each of its refineries whereby the Company sold 
certain of its catalyst precious metals to major commercial banks and then leased them back. The catalyst is required 
to be repurchased by the Company at market value at lease termination. The Company treated these transactions 
as financing arrangements, and the lease payments are recorded as interest expense over the agreements’ terms. 
The  Company  has  elected  the  fair  value  option  for  accounting  for  its  catalyst  repurchase  obligations  as  the 
Company’s liability is directly impacted by the change in value of the underlying catalyst. The fair value of these 
repurchase obligations as reflected in the table below is measured using Level 2 inputs.

The Paulsboro catalyst lease was entered into effective January 6, 2012 with a one year term that was amended in 
December 2012 to extend the maturity date to November 2013.  Proceeds from the lease were $9,453. The annual 
lease fee under these leases for 2012 and 2013 was $267 and $262.  Upon maturity, the Company entered into a 
new Paulsboro catalyst lease effective on December 5, 2013 with a three year term.  The annual lease fee  is $180, 
which is based on a fixed annual interest rate of 1.95%, payable quarterly. 

The Toledo catalyst lease was entered into effective July 1, 2011 with a three year term. Proceeds from the lease 
of $18,345, net of a facility fee of $279, were used to repay a portion of the Toledo Promissory Note. The lease 
fee is payable quarterly and will be reset annually based on current market conditions. The lease fee for the first 
one year period was $997. The lease fee for the second one year period beginning July 2012 and for the third one 
year period beginning July 2013 was $967 and $810, respectively, payable quarterly. The Toledo catalyst lease is 
included in Long-term debt as of December 31, 2013 as the Company has the ability and intent to finance this debt 
through availability under other credit facilities if the catalyst lease is not renewed at maturity.

Additionally, in November 2013, the Company entered into an eight month bridge lease for additional catalyst for 
the Company's Toledo refinery in connection with its planned turnaround in 2014.  Proceeds from the lease were 
$12,034. The lease fee is $150, based on a fixed annual interest rate of 1.85%, payable at maturity. The lease 
matures on July 28, 2014. 

The Delaware City catalyst lease was entered into in October  2010 with a three year term. Proceeds from the lease 
were $17,474, net of $266 in facility fees. The lease fee was payable quarterly and reset annually based on current 
market conditions. The lease fee for the first, second, and third one year periods beginning in October 2010 was 
$1,076, $946 and $1,048, respectively. Upon maturity of the lease, the Company entered into a new Delaware City 
catalyst lease which was effective October 17, 2013 and has a three year term. Incremental proceeds from the new 
lease were $2,223. The lease fee is payable annually based on a fixed annual interest rate of 1.96%. The lease fee 
for the three year period beginning in October 2013 is $322. On November 21, 2013 the Company amended the 
lease to also include palladium catalyst.  The lease fee for the palladium is payable annually at a fixed annual 
interest rate of 1.85%. The annual lease fee for the three year period beginning in October 2013 is $30. 

Long-term debt outstanding consisted of the following:

Senior Secured Notes
Revolving Loan
Catalyst leases

Less—Current maturities
Long-term debt

December 31, 2013

December 31, 2012

$

$

667,487
15,000
53,089
735,576
(12,029)
723,547

$

$

666,538
—
43,442
709,980
—
709,980

F- 34

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

 Debt Maturities

Debt maturing in the next five years and thereafter is as follows:

Year Ending
December 31,
2014
2015
2016
2017
2018
Thereafter

$

$

26,887
—
26,202
15,000
—
667,487
735,576

10. INTERCOMPANY NOTES PAYABLE 

During 2013, PBF Holding entered into notes payable with PBF Energy and PBF LLC for an aggregate principal 
amount of $31,835.  The notes have an interest rate of 2.5% and a five year term but may be prepaid in whole or 
in part at any time, at the option of the PBF Holding, without penalty or premium.  

11. OTHER LONG-TERM LIABILITIES

PBF Energy 

Other long-term liabilities consisted of the following:

Defined benefit pension plan liabilities
Post retiree medical plan
Environmental liabilities
Other

PBF Holding

Other long-term liabilities consisted of the following:

Defined benefit pension plan liabilities
Post retiree medical plan
Environmental liabilities
Other

F- 35

December 31,
2013

December 31,
2012

$

$

28,300
8,225
7,195
—
43,720

$

$

19,983
9,730
7,303
1,083
38,099

December 31,
2013

December 31,
2012

$

$

28,300
8,225
7,195
2,757
46,477

$

$

19,983
9,730
7,303
1,083
38,099

 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

12. RELATED PARTY TRANSACTIONS

The Company engaged Fuel Strategies International, Inc, the principal of which is the brother of the Executive 
Chairman of the Board of Directors of the Company, to provide consulting services relating to petroleum coke and 
commercial operations. For the years ended December 31, 2013, 2012 and 2011, the Company incurred charges 
of $646, $903 and $462, respectively, under this agreement.

The Company has an agreement with the Executive Chairman of the Board of Directors, for the use of an airplane 
that is owned by a company owned by the Executive Chairman. The Company pays a charter rate that is the lowest 
rate this aircraft is chartered to third-parties. For the years ended December 31, 2013, 2012 and 2011, the Company 
incurred charges of $1,274, $1,030, and $821, respectively, related to use of this airplane.

As of December 31, 2013, each of Blackstone and First Reserve, the Company’s financial sponsors, had received 
the full return of its aggregate amount invested in PBF LLC Series A Units. As a result, pursuant to the amended 
and restated limited liability company agreement of PBF LLC, the holders of PBF LLC Series B Units are entitled 
to an interest in the amounts received by Blackstone and First Reserve in excess of their original investment in the 
form of PBF LLC distributions and from the shares of PBF Energy Class A Common Stock issuable to Blackstone 
and First Reserve (for their own account and on behalf of the holders of PBF LLC Series B Units) upon an exchange, 
and the proceeds from the sale of such shares. Such proceeds received by Blackstone and First Reserve are distributed 
to the holders of the PBF LLC Series B Units in accordance with the distribution percentages specified in the PBF 
LLC amended and restated limited liability company agreement.  The total amount distributed to the PBF LLC 
Series B Unit holders for the year ended December 31, 2013 was $6,427.  There were no amounts distributed to 
PBF LLC Series B Unit holders prior to 2013. 

13. COMMITMENTS AND CONTINGENCIES

Lease and Other Commitments

The Company leases office space, office equipment, refinery facilities and equipment, and railcars under non-
cancelable operating leases, with terms ranging from one to twenty years, subject to certain renewal options as 
applicable. Total rent expense was $70,581, $41,563, and $29,233 for the years ended December 31, 2013, 2012 
and 2011, respectively.  The Company is party to agreements which provide for the treatment of wastewater and 
the  supply  of  hydrogen  and  steam  for  the  Paulsboro  and Toledo  refineries. The  Company  made  purchases  of 
$38,383, $30,335 and $30,773 under these supply agreements for the years ended December 31, 2013, 2012 and 
2011, respectively.

The fixed and determinable amounts of the obligations under these agreements and total minimum future annual 
rentals, exclusive of related costs, are approximately:

Year Ending
December 31,
2014
2015
2016
2017
2018
Thereafter

$

$

81,358
73,481
72,424
62,918
56,483
93,937

440,601

F- 36

 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Employment Agreements

Concurrent with the PBF Energy IPO in December 2012, PBFI entered into amended and restated employment 
agreements with members of executive management and certain other key personnel that include automatic annual 
renewals, unless canceled. Under some of the agreements, certain of the executives would receive a lump sum 
payment of between one and a half to 2.99 times their base salary and continuation of certain employee benefits 
for the same period upon termination by the Company “Without Cause”, or by the employee “For Good Reason”, 
or upon a “Change in Control”, as defined in the agreements. Upon death or disability, certain of the Company’s 
executives, or their estates, would receive a lump sum payment of at least one half of their base salary.

Environmental Matters

The  Company’s  refineries  are  subject  to  extensive  and  frequently  changing  federal,  state  and  local  laws  and 
regulations, including, but not limited to, those relating to the discharge of materials into the environment or that 
otherwise  relate  to  the  protection  of  the  environment,  waste  management  and  the  characteristics  and  the 
compositions of fuels.  Compliance with existing and anticipated laws and regulations can increase the overall cost 
of operating the refineries, including remediation, operating costs and capital costs to construct, maintain and 
upgrade equipment and facilities.

In connection with the Paulsboro refinery acquisition, the Company assumed certain environmental remediation 
obligations. The environmental liability of $9,869 recorded as of December 31, 2013 ($9,669 as of December 31, 
2012) represents the present value of expected future costs discounted at a rate of 8%.  At December 31, 2013 the 
undiscounted liability is  $14,874 and the Company expects to make aggregate payments for this liability of $5,838 
over the next five years.  The current portion of the environmental liability is recorded in accrued expenses and 
the non-current portion is recorded in other long-term liabilities. A trust fund related to this liability in the amount 
of $12,117 and $12,114, acquired in the Paulsboro acquisition, is recorded as restricted cash in deferred charges 
and other assets, net as of December 31, 2013 and December 31, 2012, respectively.

In connection with the acquisition of the Delaware City assets, Valero Energy Corporation ("Valero")  remains 
responsible for certain pre-acquisition environmental obligations up to $20,000 and the predecessor to Valero in 
ownership of the refinery retains other historical obligations.

In connection with the acquisition of the Delaware City assets and the Paulsboro refinery, the Company and Valero 
purchased ten year, $75,000 environmental insurance policies to insure against unknown environmental liabilities 
at each site. In connection with the Toledo refinery acquisition, Sunoco remains responsible for environmental 
remediation for conditions that existed on the closing date and the obligations transition to us over twenty years 
from March 1, 2011.

In 2010, New York State adopted a Low-Sulfur Heating Oil mandate that, beginning July 1, 2012, requires all 
heating oil sold in New York State to contain no more than 15 PPM sulfur.  Other states have laws with various 
implementation dates that also require lower levels of sulfur in heating oils.  Not all of the heating oil we currently 
produce  meets  these  specifications.    The  Company  has  made  and  is  continuing  to  make  certain  processing 
improvements to shift conventional heating oil production to ultra-low sulfur heating oil and ultra-low sulfur diesel 
in order to comply with these new mandates. The Company plans to continue increasing ultra-low sulfur distillate 
production over the next several years while marketing conventional heating oil in states where regulations have 
not  changed. The  mandate  and  other  requirements  do  not  currently  have  a  material  impact  on  the  Company's 
financial position, results of operations or cash flows.

In addition, on June 1, 2012, the EPA issued final amendments to the New Source Performance Standards (“NSPS”) 
for  petroleum  refineries,  including  standards  for  emissions  of  nitrogen  oxides  from  process  heaters  and  work 
practice standards and monitoring requirements for flares.  The Company has evaluated the impact of the regulation 
and amended standards on its refinery operations and currently does not expect the cost to comply by July 1, 2015 
with the amended NSPS to be material.

F- 37

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The Company is aware that the EPA has drafted the proposed Tier 3 Motor Vehicle Emission and Fuel Standards.  
The draft Standards are in the formal public comment period at this time.  The gasoline currently manufactured 
by the Company's refineries does not meet a portion of the proposed requirements, specifically as related to meeting 
the proposed 10  ppm annual average gasoline sulfur requirement. The EPA has included potential options in other 
portions  of  the  proposed  Standards  that  the  Company's  gasoline  products  may  meet  if  adopted  in  the  final 
rulemaking. The Company is continuing to evaluate the potential impact of these proposed Standards.

On June 14, 2013, two administrative appeals were filed by the Sierra Club and Delaware Audubon regarding a 
permit Delaware City Refining Company LLC (“Delaware City Refining”) obtained to allow loading of crude oil 
onto barges.  The appeals allege that both the loading of crude oil onto barges and the operation of the Delaware 
City rail unloading terminal violate Delaware’s Coastal Zone Act. The first appeal is Number 2013-1 before the 
State Coastal Zone Industrial Control Board (the “CZ Board”), and the second appeal is before the Environmental 
Appeals Board and appeals Secretary’s Order No. 2013-A-0020.  The CZ Board held a hearing on the first appeal 
on July 16, 2013, and ruled in favor of Delaware City Refining and the State of Delaware and dismissed Appellants’ 
appeal for lack of standing.  Sierra Club and Delaware Audubon have appealed that decision to the Delaware 
Superior Court, New Castle County, Case No. N13A-09-001 ALR, and Delaware City Refining and the State have 
filed cross-appeals.  Briefs are due to be filed in this appeal in the first quarter of 2014 but no date has been set for 
a decision by the Superior Court.  A hearing on the second appeal before the Environmental Appeals Board, case 
no. 2013-06, was held on January 13, 2014, and the Board ruled in favor of Delaware City Refining and the State 
and dismissed the appeal for lack of jurisdiction.  A written decision from the Board is pending, after which the 
Appellants will again have the right to appeal the decision to Superior Court.  If the Appellants in one or both of 
these matters ultimately prevail, the outcome may have an adverse material effect on the Company's earnings.  

The  Company  is  also  currently  subject  to  certain  other  existing  environmental  claims  and  proceedings.    The 
Company believes that there is only a remote possibility that future costs related to any of these other known 
contingent liability exposures would have a material impact on its financial position, results of operations or cash 
flows.

PBF LLC Limited Liability Company Agreement 

The holders of limited liability company interests in PBF LLC, including PBF Energy, generally have to include 
for purposes of calculating their U.S. federal, state and local income taxes their share of any taxable income of 
PBF LLC. Taxable income of PBF LLC generally is allocated to the holders of PBF LLC units (including PBF 
Energy) pro rata in accordance with their respective share of the net profits and net losses of PBF LLC. In general, 
PBF LLC is required to make periodic tax distributions to the members of PBF LLC, including PBF Energy, pro 
rata in accordance with their respective percentage interests for such period (as determined under the amended and 
restated  limited  liability  company  agreement  of  PBF  LLC),  subject  to  available  cash  and  applicable  law  and 
contractual restrictions (including pursuant to our debt instruments) and based on certain assumptions. Generally, 
these tax distributions will be an amount equal to our estimate of the taxable income of PBF LLC for the year 
multiplied by an assumed tax rate equal to the highest effective marginal combined U.S. federal, state and local 
income tax rate prescribed for an individual or corporate resident in New York, New York (taking into account the 
nondeductibility  of  certain  expenses).  If,  with  respect  to  any  given  calendar  year,  the  aggregate  periodic  tax 
distributions were less than the actual taxable income of PBF LLC multiplied by the assumed tax rate, PBF LLC 
will make a “true up” tax distribution, no later than March 15 of the following year, equal to such difference, subject 
to the available cash and borrowings of PBF LLC.

Tax Receivable Agreement 

PBF Energy entered into a tax receivable agreement with the PBF LLC Series A and PBF LLC Series B Unit 
holders (the “Tax Receivable Agreement”) that provides for the payment by PBF Energy to such persons of an 
amount equal to 85% of the amount of the benefits, if any, that PBF Energy is deemed to realize as a result of (i) 
increases  in  tax  basis,  as  described  below,  and  (ii) certain  other  tax  benefits  related  to  entering  into  the  Tax 

F- 38

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Receivable Agreement, including tax benefits attributable to payments under the Tax Receivable Agreement. For 
purposes of the Tax Receivable Agreement, the benefit deemed realized by PBF Energy will be computed by 
comparing the actual income tax liability of PBF Energy (calculated with certain assumptions) to the amount of 
such taxes that PBF Energy would have been required to pay had there been no increase to the tax basis of the 
assets of PBF LLC as a result of purchases or exchanges of PBF LLC Series A Units for shares of PBF Energy's 
Class A common stock and had PBF Energy not entered into the Tax Receivable Agreement. The term of the Tax 
Receivable Agreement will continue until all such tax benefits have been utilized or expired unless: (i) PBF Energy 
exercises  its  right  to  terminate  the  Tax  Receivable Agreement,  (ii)  PBF  Energy  breaches  any  of  its  material 
obligations  under  the  Tax  Receivable Agreement  or  (iii)  certain  changes  of  control  occur,  in  which  case  all 
obligations under the Tax Receivable Agreement will generally be accelerated and due as calculated under certain 
assumptions. 

The payment obligations under the Tax Receivable Agreement are obligations of PBF Energy and not of PBF LLC 
or PBF Holding. In general, PBF Energy expects to obtain funding for these payments by causing PBF Holding 
to distribute cash to PBF LLC, which will then distribute this cash, generally as tax distributions, on a pro-rata 
basis to its owners. Such owners include PBF Energy, which holds a 40.9% interest as of December 31, 2013. 

14. STOCKHOLDERS’ AND MEMBERS’ EQUITY STRUCTURE

Class A Common Stock

Holders of Class A common stock are entitled to receive dividends when and if declared by the Board of Directors 
out  of  funds  legally  available  therefore,  subject  to  any  statutory  or  contractual  restrictions  on  the  payment  of 
dividends and to any restrictions on the payment of dividends imposed by the terms of any outstanding preferred 
stock. Upon the Company’s dissolution or liquidation or the sale of all or substantially all of the assets, after 
payment in full of all amounts required to be paid to creditors and to the holders of preferred stock having liquidation 
preferences, if any, the holders of shares of Class A common stock will be entitled to receive pro rata remaining 
assets available for distribution. Holders of shares of Class A common stock do not have preemptive, subscription, 
redemption or conversion rights.

Class B Common Stock

Holders of shares of Class B common stock are entitled, without regard to the number of shares of Class B common 
stock  held  by  such  holder,  to  one  vote  for  each  PBF  LLC  Series A  Unit  beneficially  owned  by  such  holder. 
Accordingly, the the members of PBF LLC other than PBF Energy collectively have a number of votes in PBF 
Energy that is equal to the aggregate number of PBF LLC Series A Units that they hold.

Holders of shares of Class A common stock and Class B common stock vote together as a single class on all matters 
presented to stockholders for their vote or approval, except as otherwise required by applicable law.

Holders of Class B common stock do not have any right to receive dividends or to receive a distribution upon a 
liquidation or winding up of PBF Energy.

Preferred Stock

Authorized preferred stock may be issued in one or more series, with designations, powers and preferences as shall 
be designated by the Board of Directors.

PBF LLC Capital Structure

PBF LLC Series A Units

The allocation of profits and losses and distributions to PBF LLC Series A unit holders is governed by the Limited 
Liability Company Agreement of PBF LLC. These allocations are made on a pro rata basis with PBF LLC Series 
C Units. PBF LLC Series A unit holders do not have voting rights.

F- 39

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

PBF LLC Series B Units

The PBF LLC Series B Units are intended to be “profit interests” within the meaning of Revenue Procedures 93-27 
and 2001-43 of the Internal Revenue Service and have a stated value of zero at issuance. The PBF LLC Series 
B Units are held by certain of the Company’s officers, have no voting rights and are designed to increase in value 
only  after  the  Company’s  financial  sponsors  achieve  certain  levels  of  return  on  their  investment  in  PBF LLC 
Series A Units. Accordingly, the amounts paid to the holders of PBF LLC Series B Units, if any, will reduce only 
the amounts otherwise payable to the PBF LLC Series A Units held by the Company’s financial sponsors, and will 
not reduce or otherwise impact any amounts payable to PBF Energy (the holder of PBF LLC Series C Units), the 
holders of the Company’s Class A common stock or any other holder of PBF LLC Series A Units. The maximum 
number of PBF LLC Series B Units authorized to be issued is 1,000,000.

PBF LLC Series C Units

The PBF LLC Series C Units rank on a parity with the PBF LLC Series A Units as to distribution rights, voting 
rights and rights upon liquidation, winding up or dissolution. PBF LLC Series C Units are held solely by PBF 
Energy.

Information about the issued classes of PBF LLC units for the years ended December 31, 2013, 2012 and 2011, 
is as follows:

Balance—January 1, 2011

Units allocated to management
Member capital contribution

Balance—December 31, 2011
Issuances of restricted units
Exercise of warrants and options

Balance—December 18, 2012

Reorganization and offering transaction
Issuance of Series C units
Exchange of Series A Units for Class A common
stock of PBF Energy Inc.

Balance—December 31, 2012

Issuances of restricted stock
Exercise of warrants and options
Secondary offering transaction

Balance—June 12, 2013

Issuances of restricted stock
Exercise of warrants and options
Exchange of Series A Units for Class A common
stock of PBF Energy Inc.

Balance—December 31, 2013

Series A Units

Series B Units

Series C Units

51,393,114
—
40,864,698
92,257,812
23,904
2,661,636
94,943,352
(21,967,686)
—

(3,535)
72,972,131
—
5,094
(15,950,000)
57,027,225
—
258,309

(83,860)
57,201,674

950,000
50,000
—
1,000,000
—
—
1,000,000
—
—

—
1,000,000
—
—
—

1,000,000
—
—

—
1,000,000

—
—
—
—
—
—
—
21,967,686
1,600,000

3,535
23,571,221
42,614
—
15,950,000

39,563,835
17,778
—

83,860
39,665,473

The warrants and options exercised in the table above include both non-compensatory and compensatory PBF LLC 
Series A warrants and options.

F- 40

  
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

PBF Holding Capital Structure

At December 31, 2013 and 2012, PBF LLC was the sole member of PBF Holding. 

15. STOCK-BASED COMPENSATION

Stock-based compensation expense included in general and administrative expenses consisted of the following:

PBF LLC Series A Unit compensatory warrants and options
PBF LLC Series B Units
PBF Energy options

Years Ended December 31,

2013

2012

2011

$

$

779
530
2,444
3,753

$

$

1,589
1,277
88
2,954

$

$

1,135
1,381
—
2,516

PBF LLC Series A warrants and options

PBF LLC granted compensatory warrants to employees of the Company in connection with their purchase of Series 
A units in PBF LLC. The warrants grant the holder the right to purchase PBF LLC Series A Units. One-quarter of 
the PBF LLC Series A compensatory warrants were exercisable at the date of grant and the remaining three-quarters 
become exercisable over equal annual installments on each of the first three anniversaries of the grant date subject 
to acceleration in certain circumstances. A total of 551,759 PBF LLC Series A compensatory warrants were granted 
during the year ended December 31, 2011. They are exercisable for ten years from the date of grant. The remaining 
warrants became fully exercisable in connection with the IPO of PBF Energy.

A total of 205,000 and 620,000 options to purchase PBF LLC Series A units were granted to certain employees, 
management and directors in 2012 and 2011, respectively. Options vest over equal annual installments on each of 
the first three anniversaries of the grant date subject to acceleration in certain circumstances. The options are 
exercisable for ten years from the date of grant. 

The Company did not issue PBF LLC Series A Units compensatory warrants or options in 2013.

The estimated fair value of compensatory PBF LLC Series A warrants and options granted during the years ended 
December 31, 2012 and 2011 was determined using the Black-Scholes pricing model with the following weighted 
average assumptions:

Expected life (in years)
Expected volatility
Dividend yield
Risk-free rate of return
Exercise price

Years Ended December 31,

2012

2011

6.00
55.00%
1.00%
0.91%

$

12.55

$

5.75
40.00%
1.06%
2.43%

10.00

F- 41

 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The following table summarizes activity for PBF LLC Series A compensatory warrants and options for the years 
ended December 31, 2013, 2012 and 2011:

Number of
PBF LLC
Series A
Compensatory
Warrants
and Options

Weighted
Average
Exercise Price

Weighted
Average
Remaining
Contractual
Life
(in years)

Stock-based awards, outstanding January 1, 2011

Granted
Exercised
Forfeited

Outstanding at December 31, 2011

Granted
Exercised
Forfeited

Outstanding at December 31, 2012

Granted
Exercised
Forfeited

Outstanding at December 31, 2013
Exercisable and vested at December 31, 2013
Exercisable and vested at December 31, 2012
Expected to vest at December 31, 2013

691,320
1,171,759
(25,000)
(2,500)
1,835,579
205,000
(849,186)
(6,667)
1,184,726
—
(301,979)
(41,668)
841,079
545,247
608,039
841,079

$

$

$

$
$
$
$

10.00
10.00
10.00
10.00
10.00
12.55
10.00
10.00
10.44
—
10.11
11.27
10.52
10.24
10.00
10.52

9.74
10.00
—
—
8.99
10.00
—
—
8.23
—
—
—
7.40
7.23
8.00
7.40

The total estimated fair value of PBF LLC Series A warrants and options granted in 2012 and 2011 was $1,207 
and $2,116, respectively, and the weighted average fair value per unit was $5.89 and $1.81, respectively. The total 
intrinsic value of stock options outstanding  and exercisable at December 31, 2013, was $17,612 and $11,569, 
respectively.  The total intrinsic value of stock options exercised during the years ended December 31, 2013, 2012, 
and 2011 was $4,298, $13,112, and $0, respectively. 

Unrecognized compensation expense related to PBF LLC Series A warrants and options at December 31, 2013 
was $595, which will be recognized in 2014 and 2015.

As of December 31, 2013 and 2012, members of management of the Company had also purchased an aggregate 
of 2,740,718 non-compensatory Series A warrants in PBF LLC with an exercise price of $10.00 per unit, all of 
which were immediately exercisable. During the year ended December 31, 2012, 2,672,299 of the warrants were 
exercised, with a portion being exercised on a cashless basis. At December 31, 2013 and December 31, 2012, there 
were 68,419 non-compensatory warrants outstanding.

PBF LLC Series B Units

PBF LLC Series B Units were issued and allocated to certain members of management during the years ended 
December 31, 2011 and 2010. One-quarter of the PBF LLC Series B Units vested at the time of grant and the 
remaining three-quarters vested in equal annual installments on each of the first three anniversaries of the grant 
date, subject to accelerated vesting upon certain events. The Series B Units fully vested during the year ended 
December 31, 2013.

F- 42

 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The following table summarizes activity for PBF LLC Series B Units for the years ended December 31, 2013, 
2012 and 2011:

Number of
PBF LLC
Series B units

Weighted
Average
Grant Date
Fair Value

Non-vested units at January 1, 2011

Allocated
Vested
Forfeited

Non-vested units at December 31, 2011

Allocated
Vested
Forfeited

Non-vested units at December 31, 2012

Allocated
Vested
Forfeited

Non-vested units at December 31, 2013

PBF Energy options

$

$

712,500
50,000
(262,500)
—
500,000
—
(250,000)
—
250,000
—
(250,000)
—
— $

$

5.11
5.11
5.11
—
5.11
—
5.11
—
5.11
—
5.11
—
—

The Company grants awards of its Class A common stock under the 2012 Equity Incentive Plan which authorizes 
the granting of various stock and stock-related awards to employees, prospective employees and non-employees. 
Awards include options to purchase shares of Class A common stock and restricted Class A common stock that 
vest over a period determined by the plan. 

A total of 697,500 and 682,500 options to purchase shares of PBF Energy Class A common stock were granted to 
certain employees and management of the Company in the year ended December 31, 2013 and 2012, respectively. 
The PBF Energy options vest over equal annual installments on each of the first four anniversaries of the grant 
date subject to acceleration in certain circumstances. The options are exercisable for ten years from the date of 
grant.

The estimated fair value of PBF Energy options granted during the years ended December 31, 2013 and 2012 was 
determined using the Black-Scholes pricing model with the following weighted average assumptions:

Expected life (in years)
Expected volatility
Dividend yield
Risk-free rate of return
Exercise price

December 31,
2013

December 31,
2012

6.25
52.1%
4.43%
1.53%

$

27.79

$

6.25
51.0%
3.01%
0.89%

26.00

F- 43

 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The following table summarizes activity for PBF Energy options for the year ended December 31, 2013 and 2012. 
There were no options granted, exercised or forfeited prior to 2012.

Stock-based awards, outstanding at January 1, 2012

Granted
Exercised
Forfeited

Outstanding at December 31, 2012

Granted
Exercised
Forfeited
Outstanding at December 31, 2013

Exercisable and vested at December 31, 2013

Exercisable and vested at December 31, 2012
Expected to vest at December 31, 2013

Number of
PBF Energy
Class A
Common
Stock Options

$
$

Weighted
Average
Exercise Price
—
26.00
—
—
26.00
27.79
—
25.36
26.97
26.00
—
26.97

— $

682,500
—
—
682,500
697,500
—
(60,000)
1,320,000
158,125

$
— $
$

1,320,000

Weighted
Average
Remaining
Contractual
Life
(in years)

—
10.00
—
—
9.95
10.00
—
—
9.33
8.95
—
9.33

The total estimated fair value of PBF Energy options granted in 2013 and 2012 was $6,499 and $6,327 and the 
weighted average per unit value was $9.32 and $9.27. The total intrinsic value of stock options outstanding  and 
exercisable at December 31, 2013, was $6,756 and $863, respectively.  

Unrecognized compensation expense related to PBF Energy options at December 31, 2013 was $10,140, which 
will be recognized from 2014 through 2017.

16. EMPLOYEE BENEFIT PLANS

Defined Contribution Plan

The Company’s defined contribution plan covers all employees. Employees are eligible to participate as of the 
first day of the month following 30 days of service. Participants can make basic contributions up to 50 percent of 
their annual salary subject to Internal Revenue Service limits. The Company matches participants’ contributions 
at the rate of 200 percent of the first 3 percent of each participant’s total basic contribution based on the participant’s 
total annual salary. The Company’s contribution to the qualified defined contribution plans was $10,450,  $9,969 
and $7,204 for the years ended December 31, 2013, 2012 and 2011, respectively.

Defined Benefit and Post Retiree Medical Plans

The Company sponsors a noncontributory defined benefit pension plan (the “Qualified Plan”) with a policy to 
fund pension liabilities in accordance with the limits imposed by the Employee Retirement Income Security Act 
of 1974 (“ERISA”) and Federal income tax laws. In addition, the Company sponsors a supplemental pension plan 
covering  certain  employees,  which  provides  incremental  payments  that  would  have  been  payable  from  the 
Company’s principal pension plan, were it not for limitations imposed by income tax regulations. The funded status 
is measured as the difference between plan assets at fair value and the projected benefit obligation which is to be 
recognized in the balance sheet. The plan assets and benefit obligations are measured as of the balance sheet date.

The non-union Delaware City employees and all Paulsboro and Toledo employees became eligible to participate 
in the Company’s defined benefit plans as of the respective acquisition dates. The union Delaware City employees 

F- 44

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

became eligible to participate in the Company’s defined benefit plans upon commencement of normal operations. 
The Company did not assume any of the employees’ pension liability accrued prior to the respective acquisitions.

The Company formed the Post Retirement Medical Plan on December 31, 2010 to provide health care coverage 
continuation from date of retirement to age 65 for qualifying employees associated with the Paulsboro acquisition. 
The  Company  credited  the  qualifying  employees  with  their  prior  service  under  Valero  which  resulted  in  the 
recognition of a liability for the projected benefit obligation. The Post Retirement Medical Plan was amended 
during 2013 to include all corporate employees.

The changes in the benefit obligation, the changes in fair value of plan assets, and the funded status of the Company’s 
Pension and Post Retirement Medical Plans as of and for the years ended December 31, 2013 and 2012 were as 
follows:

Change in benefit obligation:

Benefit obligation at beginning of year

$

30,215

$

11,409

$

9,730

$

8,912

Pension Plans

Post Retirement
Medical Plan

2013

2012

2013

2012

Service cost

Interest cost

Plan amendments

Benefit payments

Actuarial loss (gain)

Projected benefit obligation at end of year

Change in plan assets:

Fair value of plan assets at beginning of year

Actual return on plan assets

Benefits paid

Employer contributions

Fair value of plan assets at end of year

Reconciliation of funded status:

Fair value of plan assets at end of year
Less benefit obligations at end of year

Funded status at end of year

$

$

$

$

$

14,794

11,437

992

—
(663)
8,012

53,350

10,232

33
(663)
15,448

$

$

502

—
(48)
6,916

30,215

4,758

422
(48)
5,100

$

$

726

334
(860)
(51)
(1,654)
8,225

$

— $

—
(51)
51

25,050

$

10,232

$

— $

633

395

—
(21)
(189)
9,730

—

—
(21)
21

—

$

25,050
53,350
(28,300) $

$

10,232
30,215
(19,983) $

— $

8,225
(8,225) $

—
9,730
(9,730)

The accumulated benefit obligations for the Company’s Pension Plans exceed the fair value of the assets of those 
plans  at  December 31,  2013  and  2012.  The  accumulated  benefit  obligation  for  the  defined  benefit  plans 
approximated $45,005 and $24,555 at December 31, 2013 and 2012, respectively.

F- 45

 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Benefit payments, which reflect expected future services, that the Company expects to pay are as follows for the 
years ended December 31:

Pension Benefits

Post Retirement
Medical Plan

$

2014
2015
2016
2017
2018
Years 2019-2024

$

6,493
3,758
4,922
7,123
9,161
58,480

176
278
329
445
528
4,330

The Company’s funding policy for its defined benefit plans is to contribute amounts sufficient to meet legal funding 
requirements, plus any additional amounts that may be appropriate considering the funded status of the plans, tax 
consequences,  the  cash  flow  generated  by  the  Company  and  other  factors. The  Company  plans  to  contribute 
approximately $15,500 to the Company’s Pension Plans during 2014.

The components of net periodic benefit cost were as follows for the years ended December 31, 2013, 2012 and 
2011:

Pension Benefits

Post Retirement
Medical Plan

2013

2012

2011

2013

2012

2011

Components of net period
benefit cost:

Service cost

Interest cost

Expected return on plan
assets

Amortization of prior
service cost

Amortization of actuarial
loss

$

14,794

$

11,437

$

8,678

$

992

502

(550)

(323)

11

421

11

30

140

(38)

11

56

$

726

334

$

633

395

—

—

—

—

—

—

Net periodic benefit cost

$

15,668

$

11,657

$

8,847

$

1,060

$

1,028

$

540

381

—

—

—

921

The pre-tax amounts recognized in other comprehensive income (loss) for the years ended December 31, 2013, 
2012 and 2011 were as follows:

Prior service costs (credits)

Net actuarial loss (gain)

Amortization of losses and prior
service cost

Total changes in other
comprehensive loss (income)

Pension Benefits

Post Retirement
Medical Plan

2013

2012

2011

2013

2012

2011

$

— $

— $

— $

(860) $

— $

8,235

6,817

661

(1,654)

(189)

(432)

(41)

(67)

—

—

—

738

—

$

7,803

$

6,776

$

594

$

(2,514) $

(189) $

738

F- 46

 
 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The pre-tax amounts in accumulated other comprehensive loss as of December 31, 2013 and 2012 that have not 
yet been recognized as components of net periodic costs were as follows:

Prior service (costs) credits
Net actuarial (loss) gain
Total

Pension Benefits

Post Retirement
Medical Plan

2013

2012

2013

2012

$

$

(92) $

(16,419)
(16,511) $

(103) $

(8,306)
(8,409) $

860
1,126
1,986

$

$

—
(528)
(528)

The following pre-tax amounts included in accumulated other comprehensive loss as of December 31, 2013 are 
expected to be recognized as components of net period benefit cost during the year ended December 31, 2014:

Amortization of prior service costs (credits)
Amortization of net actuarial loss (gain)
Total

Pension Benefits

Post Retirement
Medical Plan

$

$

11
889
900

$

$

(81)
(21)
(102)

The weighted average assumptions used to determine the benefit obligations as of December 31, 2013 and 2012 
were as follows:

Discount rate
Rate of compensation increase

Pension Benefits

Post Retirement Medical Plan

2013

2012

2013

2012

4.55%
4.64%

3.45%
4%

4.55%
—

3.45%
—

The discount rate assumptions used to determine the defined benefit and Post Retirement Medical plans obligations 
as of December 31, 2013 and 2012 were based on the Mercer Yield Curve. The Mercer Yield Curve is developed 
from a portfolio of high-quality investment grade bonds. To determine the discount rate, each year’s projected cash 
flow for the defined benefit and Post Retirement Medical plans is discounted at a spot (zero-coupon) rate appropriate 
for that maturity; the discount rate is the single equivalent rate that produces the same discounted present value.

The weighted average assumptions used to determine the net periodic benefit costs for the years ended December 31, 
2013, 2012 and 2011 were as follows:

Discount rate
Expected long-term rate of return
on plan assets

Rate of compensation increase

Pension Benefits

Post Retirement Medical Plan

2013

2012

2011

2013

2012

2011

3.45%

4.45%

5.25%

3.45%

4.45%

5.25%

3.50%
4%

4.25%
4%

4.25%
4%

—
—

—
—

—
—

F- 47

 
 
 
 
 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The assumed health care cost trend rates as of December 31, 2013 and 2012 were as follows:

Health care cost trend rate assumed for next year
Rate to which the cost trend rate was assumed to decline (the ultimate
trend rate)
Year that the rate reached the ultimate trend rate

Post Retirement
Medical Plan

2013

2012

6.8%

4.5%
2027

7.0%

4.5%
2027

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

Effect on total of service and interest cost components
Effect on accumulated postretirement benefit obligation

1%
Increase

1%
Decrease

$

$

159
907

(135)
(794)

The tables below present the fair values of the assets of the Company’s Qualified Plan as of December 31, 2013 
and 2012 by level of fair value hierarchy. Assets categorized in Level 1 of the hierarchy are measured at fair value 
using a market approach based on published net asset values of mutual funds. As noted above, the Company’s post 
retirement medical plan is funded on a pay-as-you-go basis and has no assets.

Equities:

Domestic equities
Developed international equities
Emerging market equities
Global low volatility equities

Fixed-income
Government securities:

Vanguard Intermediate-Term Treasury Fund

Cash and cash equivalents
Total

Fair Value Measurements Using
Quoted Prices in Active Markets
(Level 1)

December 31,

2013

2012

$

$

7,603
3,685
1,775
2,132
9,855

—
—
25,050

$

$

—
—
—
—
—

10,232
—
10,232

The Company’s investment strategy for its Qualified Plan is to achieve a reasonable return on assets that supports 
the plan’s interest credit rating, subject to a moderate level of portfolio risk that provides liquidity. Consistent with 
these financial objectives as of December 31, 2013, the plan's target allocations for plan assets are 60% invested 
in equity securities and 40% fixed income investments. Equity securities include international stocks and a blend 
of U.S. growth and value stocks of various sizes of capitalization. Fixed income securities include bonds and notes 
issued by the U.S. government and its agencies, corporate bonds, and mortgage-backed securities. The aggregate 
asset allocation is reviewed on an annual basis.

 The overall expected long-term rate of return on plan assets for the Qualified Plan is based on the Company’s 
view of long-term expectations and asset mix.

F- 48

 
 
 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

17. REVENUES

The following table provides information relating to the Company’s revenues from external customers for each 
product or group of similar products for the periods:

Year Ended December 31,

2013

16,973,239
746,396
468,315
357,580
332,725
260,181
13,019
19,151,455

$

$

2012

17,878,957
705,373
517,921
272,220
370,420
380,747
13,049
20,138,687

$

$

$

$

2011

13,182,234
344,311
525,095
—
441,638
430,435
36,625
14,960,338

Gasoline and distillates
Chemicals
Lubricants
Clarified slurry oil
Asphalt and residual oils
Liquefied petroleum gases
Other

18. INCOME TAXES

PBF Energy 

For periods following PBF Energy’s IPO, PBF Energy is required to file federal and applicable state corporate 
income tax returns and recognizes income taxes on its pre-tax income, which to-date has consisted primarily of 
its  share  (approximately  24.4%  prior  to  the  Secondary  Offering  and  approximately  40.9%  subsequent  to  the 
Secondary Offering) of PBF LLC’s pre-tax income. PBF LLC is organized as a limited liability company which 
is treated as a "flow-through" entity for income tax purposes and therefore is not subject to income taxes. As a 
result, the PBF Energy consolidated financial statements do not reflect a benefit or provision for income taxes for 
PBF LLC for periods prior to the IPO or any benefit or provision for income taxes on the pre-tax income or loss 
attributable to the noncontrolling interest in PBF LLC.

The  income  tax  provision  in  the  PBF  Energy  consolidated  financial  statements  of  operations  consists  of  the 
following: 

Current expense:
Federal
State

Total current

Deferred expense:
Federal
State

Total deferred

Total provision for income taxes

Year Ended
December 31,
2013

Year Ended
December 31,
2012

$

$

— $
—

—

15,406
1,275

16,681

16,681

$

—
—

—

1,134
141

1,275

1,275

F- 49

 
 
 
 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The difference between the PBF Energy’s effective income tax rate and the United States statutory rate is reconciled 
below:

Provision at Federal statutory rate
Increase (decrease) attributable to flow-through of certain tax
adjustments:

State income taxes (net of federal income tax)
Non deductible/nontaxable items
Adjustment to deferred tax assets and liabilities for change in
tax rates due to business mix
Other
Effective tax rate

Year Ended
December 31,
2013

Year Ended
December 31,
2012

35.0 %

35.0%

5.0 %
7.0 %

(14.5)%
(2.8)%
29.7 %

4.4%
—%

—%
0.1%
39.5%

A summary of the components of deferred tax assets and deferred tax liabilities follows:

Deferred tax assets

Purchase interest step-up
Net operating loss carry forwards
Other

Total deferred tax assets

Valuation allowances

Total deferred tax assets, net

Deferred tax liabilities

Property, plant and equipment
Inventory
Other

Total deferred tax liabilities

December 31, 2013

December 31, 2012

$

$

310,132
14,327
21,423

345,882
—

345,882

140,330
9,390
1,399

151,119

181,257
6,087
9,503

196,847
—

196,847

69,088
6,534
646

76,268

Net deferred tax assets (liabilities)

$

194,763

$

120,579

PBF Energy has federal and state income tax net operating loss carry forwards of $37,139 and $23,641, respectively, 
which will expire at various dates from 2022 through 2033.

F- 50

 
 
 
 
 
 
 
 
 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

Income tax years that remain subject to examination by material jurisdictions, where an examination has not already 
concluded are all years including and subsequent to:

United States

Federal
New Jersey
Michigan
Delaware
Indiana
Pennsylvania
New York

2012
2012
2012
2012
2012
2012
2012

PBF Energy does not have any unrecognized tax benefits.

PBF Holding

PBF Holding is a limited liability company treated as a "flow-through" entity for income tax purposes.  Accordingly 
there is no benefit or provision for federal or state income tax in the accompanying PBF Holding financial statements. 

F- 51

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

19. NET INCOME PER SHARE OF PBF ENERGY

The following table sets forth the computation of basic and diluted net income (loss) per Class A common share 
attributable to PBF Energy for the periods subsequent to the IPO: 

Basic Earnings Per Share:

Numerator for basic net income per Class A common share net income

attributable to PBF Energy

Denominator for basic net income per Class A common share-weighted

average shares

Basic net income attributable to PBF Energy per Class A common share

Diluted Earnings Per Share:

Numerator:

Net income attributable to PBF Energy Inc.
Plus: Net income attributable to noncontrolling interest (1)
Less: Income tax on net income per Class A common share (1)

Numerator for diluted net income per Class A common share net income 

attributable to PBF Energy (1)

Denominator (1):

Denominator for basic net income per Class A common share-weighted

$

$

$

$

Year Ended December 31,

2013

2012

39,540

$

1,956

32,488,369

23,570,240

1.22

$

0.08

39,540

$

—

—

1,956

10,005
(3,948)

39,540

$

8,013

average shares

Effect of dilutive securities:

Conversion of PBF LLC Series A Units
Common stock equivalents (2)  

Denominator for diluted net income per common share-adjusted

weighted average shares

Diluted net income attributable to PBF Energy per Class A common

share

——————————

32,488,369

23,570,240

—

72,972,131

572,712

688,533

33,061,081

97,230,904

$

1.20

$

0.08

(1)  The  diluted  earnings  per  share  calculation  for  the  year  ended  December  31,  2012,  assumes  the 
conversion of all outstanding PBF LLC Series A Units to Class A common stock of PBF Energy as of 
the date of the IPO.  The net income attributable to PBF Energy, used in the numerator of the diluted 
earnings per share calculation is adjusted to reflect the net income, as well as the corresponding income 
tax  (based  on  a  39.5%  effective  tax  rate)  attributable  to  the  converted  units.    For  the  year  ended 
December 31, 2013, the potential conversion of 64,164,045 PBF LLC Series A Units was excluded 
from the denominator in computing diluted net income per share because including them would have 
had an antidilutive effect. As the PBF LLC Series A Units were not included, the numerator used in 
the calculation of diluted net income per share was equal to the numerator used in the calculation of 
basic  net  income  per  share  and  does  not  include  the  net  income  and  related  income  tax    expense 
associated with the potential conversion of the PBF LLC Series A Units.

F- 52

 
PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

(2)  Represents an adjustment to weighted-average diluted shares outstanding to assume the full exchange 
of common stock equivalents, including options and warrants for PBF LLC Series A Units and options 
for shares of PBF Energy Class A common stock. Common stock equivalents excludes the effects of 
options to purchase 1,320,000 and 682,500 shares of PBF Energy Class A common stock because they 
are anti-dilutive for the years ended December 31, 2013 and 2012, respectively.

20. FAIR VALUE MEASUREMENTS

The tables below present information about the Company's financial assets and liabilities measured and recorded 
at fair value on a recurring basis and indicate the fair value hierarchy of the inputs utilized to determine the fair 
values as of December 31, 2013 and 2012. 

December 31, 2013

Level 1

Level 2

Level 3

Total

Assets:

Money market funds

Non-qualified pension plan assets

Commodity contracts

Derivatives included with inventory

intermediation agreement
obligations

Liabilities:

Commodity contracts

Derivatives included with inventory
supply arrangement obligations

Catalyst lease obligations

Assets:

Money market funds

Commodity contracts
Derivatives included with inventory
supply arrangement obligations

Liabilities:

Catalyst lease obligations

Commodity contracts

Contingent consideration for refinery

acquisition

$

5,857

$

— $

— $

—

6,681

6,016

—

—

—

5,857

4,905

10,933

6,016

6,989

23,365

30,354

177

53,089

—

—

177

53,089

December 31, 2012

Level 1

Level 2

Level 3

Total

$

175,786

$

3,303

— $

—

— $

175,786

—

—

—

—

3,303

5,595

43,442

1,872

5,595

43,442

1,872

—

21,358

21,358

4,905

4,252

—

—

—

—

—

—

—

—

The valuation methods used to measure financial instruments at fair value are as follows:

•  Money market funds categorized in Level 1 of the fair value hierarchy are measured at fair value based 

on quoted market prices and included within cash and cash equivalents.

•  Non-qualified pension plan assets categorized in Level 1 of the hierarchy are measured at fair value using 
a market approach based on published net asset values of mutual funds and included within deferred 
charges and other assets, net. 

F- 53

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

•  The commodity contracts categorized in Level 1 of the fair value hierarchy are measured at fair value 
based on quoted prices in an active market.  The commodity contracts categorized in Level 2 of the fair 
value hierarchy are measured at fair value using a market approach based upon future commodity prices 
for similar instruments quoted in active markets.  

•  The commodity contracts categorized in Level 3 of the fair value hierarchy consist of commodity price 
swap contracts that relate to forecasted purchases of crude oil for which quoted forward market prices 
are not readily available due to market illiquidity. The forward price used to value these swaps was derived 
using broker quotes, prices from other third party sources and other available market based data. 

•  The  derivatives  included  with  inventory  supply  arrangement  obligations,  derivatives  included  with 
inventory intermediation agreement obligations and the catalyst lease obligations are categorized in Level 
2 of the fair value hierarchy and are measured at fair value using a market approach based upon commodity 
prices for similar instruments quoted in active markets.

•  The contingent consideration for refinery acquisition obligation at December 31, 2012 is categorized in 
Level  3  of  the  fair  value  hierarchy  and  is  estimated  using  a  discounted  cash  flow  model  based  on 
management's estimate of the future cash flows of the Toledo refinery; a risk free rate of return of 0.16%; 
credit rate spread of 4.38%; and a discount rate of 4.54%.  During the year ended December 31, 2013, 
there was no change in fair value, as the obligation was known and was paid in full on April 30, 2013. 

The  table  below  summarizes  the  changes  in  fair  value  measurements  of  contingent  consideration  for  refinery 
acquisition categorized in Level 3 of the fair value hierarchy:

Balance at beginning of period

Purchases

Settlements

Unrealized loss included in earnings

Transfers into Level 3

Transfers out of  Level 3

Balance at end of period

Year Ended December 31,

2013

2012

$

21,358

$

122,232

—
(21,358)
—

—

—

—
(103,642)
2,768

—

—

$

— $

21,358

The table below summarizes the changes in fair value measurements of commodity contracts categorized in Level 
3 of the fair value hierarchy:

Balance at beginning of period

Purchases

Settlements

Unrealized loss included in earnings

Transfers into Level 3

Transfers out of  Level 3

Balance at end of period

F- 54

Year Ended December 31,

2013

2012

$

$

— $

—

24,678
(48,043)
—

—
(23,365) $

—

—

—

—

—

—

—

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

There were no transfers between levels during the years ended December 31, 2013 and 2012, respectively. 

Fair value of debt

The table below summarizes the fair value and carrying value as of December 31, 2013 and 2012.

December 31, 2013
Fair
 value

Carrying 
value

December 31, 2012

Carrying
 value

Fair 
value

Senior Secured Notes (a)

$

667,487

$

697,568

$

666,538

$

700,963

Revolver (b)

Catalyst leases (c)

Less - Current maturities
Long-term debt

15,000

53,089

735,576

12,029
723,547

$

15,000

53,089

765,657

12,029
753,628

$

—

43,442

709,980

—
709,980

$

—

43,442

744,405

—
744,405

$

(a) The estimated fair value, categorized as a Level 2 measurement, was calculated based on the present value of 
future  expected  payments  utilizing  implied  current  market  interest  rates  based  on  quoted  prices  of  the  Senior 
Secured Notes. 

(b) The estimated fair value approximates carrying value, categorized as a Level 2 measurement, as these borrowings 
bear interest based upon short-term floating market interest rates.

(c) Catalyst leases are valued using a market approach based upon commodity prices for similar instruments quoted 
in active markets and are categorized as a Level 2 measurement. The Company has elected the fair value option 
for accounting for its catalyst lease repurchase obligations as the Company's liability is directly impacted by the 
change in fair value of the underlying catalyst.

21. DERIVATIVES

The Company uses derivative instruments to mitigate certain exposures to commodity price risk. The Company’s 
crude supply agreements contain purchase obligations for certain volumes of crude oil and other feedstocks.  In 
addition, the Company entered into Inventory Intermediation Agreements commencing in July 2013 that contain 
purchase obligations for certain volumes of intermediates and refined products. The Company was also party to 
an agreement that contained purchase obligations for certain volumes of stored intermediates inventory during the 
year ended December 31, 2012, which was terminated during the first quarter of 2012. The purchase obligations 
related  to  crude  oil,  feedstocks,  intermediates  and  refined  products  under  these  agreements  are  derivative 
instruments that have been designated as fair value hedges in order to hedge the commodity price volatility of 
certain refinery inventory. The fair value of these purchase obligation derivatives is based on market prices of 
crude oil and refined products in the future. The level of activity for these derivatives is based on the level of 
operating inventories. 

As of December 31, 2013, there were 838,829 barrels of crude oil and feedstocks (2,529,447 barrels at December 31, 
2012) outstanding under these derivative instruments designated as fair value hedges and no barrels (no barrels at 
December 31, 2012) outstanding under these derivative instruments not designated as hedges.  As of December 31, 
2013,  there  were  3,274,047  barrels  of  intermediates  and  refined  products  (no  barrels  at  December 31,  2012) 
outstanding  under  these  derivative  instruments  designated  as  fair  value  hedges  and  no  barrels  (no  barrels  at 
December 31,  2012)  outstanding  under  these  derivative  instruments  not  designated  as  hedges. These  volumes 
represent the notional value of the contract. 

F- 55

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The Company also enters into economic hedges primarily consisting of commodity derivative contracts that are 
not designated as hedges and are used to manage price volatility in certain crude oil and feedstock inventories as 
well as crude oil, feedstock, and refined product sales or purchases. The objective in entering into economic hedges 
is  consistent  with  the  objectives  discussed  above  for  fair  value  hedges. As  of  December 31,  2013,  there  were 
43,199,000 barrels of crude oil and no barrels of refined products (9,234,000 and 1,310,000, respectively, as of 
December 31, 2012), outstanding under short and long term commodity derivative contracts not designated as 
hedges representing the notional value of the contracts. 

The following tables provide information about the fair values of these derivative instruments as of December 31, 
2013 and December 31, 2012 and the line items in the consolidated balance sheet in which the fair values are 
reflected. 

Description

Balance Sheet 
Location

Fair Value
Asset/
(Liability)

Derivatives designated as hedging instruments:
December 31, 2013:
Derivatives included with inventory supply arrangement obligations

Derivatives included with the inventory intermediation agreement
obligations
December 31, 2012:
Derivatives included with inventory supply arrangement obligations

Derivatives included with the inventory intermediation agreement
obligations

Derivatives not designated as hedging instruments:
December 31, 2013:
Commodity contracts
December 31, 2012:

Commodity contracts

Accrued expenses $

(177)

Accrued expenses $

6,016

Accrued expenses $

5,595

Accrued expenses $

—

Accrued expenses $

(19,421)

Accounts
receivable

$

1,431

The  Company’s  policy  is  to  net  the  fair  value  of  the  derivatives  included  with  inventory  supply  arrangement 
obligations and inventory intermediation agreement obligations against the liabilities related to inventory supply 
arrangements and inventory intermediation agreements with the same counterparty as the legal right of offset exists.

F- 56

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

The following tables provide information about the gain or loss recognized in income on these derivative instruments 
and the line items in the consolidated financial statements in which such gains and losses are reflected.  

Location of Gain 
or (Loss) 
Recognized in
 Income on 
Derivatives

Gain or (Loss)
Recognized in
Income on 
Derivatives

Description

Derivatives designated as hedging instruments:
For the year ended December 31, 2013:
Derivatives included with inventory supply arrangement obligations

Derivatives included with the inventory intermediation agreement
obligations
For the year ended December 31, 2012:
Derivatives included with inventory supply arrangement obligations

For the year ended December 31, 2011

Cost of sales

Cost of sales

Cost of sales

Derivatives included with inventory supply arrangement obligations

Cost of sales

Derivatives not designated as hedging instruments:
For the year ended December 31, 2013:
Derivatives included with inventory supply arrangement obligations

Commodity contracts
For the year ended December 31, 2012:
Derivatives included with inventory supply arrangement obligations

Commodity contracts

For the year ended December 31, 2011

Derivatives included with inventory supply arrangement obligations

Commodity contracts

Hedged items designated in fair value hedges:
For the year ended December 31, 2013:
Crude oil and feedstock inventory

Intermediate and refined product inventory
For the year ended December 31, 2012:
Crude oil and feedstock inventory
For the year ended December 31, 2011

Crude oil and feedstock inventory

Cost of sales

Cost of sales

Cost of sales

Cost of sales

Cost of sales

Cost of sales

Cost of sales
Cost of sales

Cost of sales

Cost of sales

$

$

$

$

$

$

$

$

$

$

$
$

$

$

(5,773)

6,016

7,060

(6,076)

—
(88,962)

(8)
34,778

2,829

5,604

(1,491)
(6,016)

(4,704)

6,558

Ineffectiveness related to the Company's fair value hedges resulted in a loss of $7,264 and gains of $2,356 and 
$482 for the years ended December 31, 2013, 2012 and 2011, respectively, recorded in cost of sales. Gains and 
losses due to ineffectiveness, resulting from the difference in the forward and spot rates of the underlying crude 
inventory related to the derivatives included with inventory supply arrangement obligations, were excluded from 
the assessment of hedge effectiveness.  

F- 57

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

22. SUBSEQUENT EVENTS 

Secondary Offering

On January 6, 2014, Blackstone and First Reserve completed a public offering of 15,000,000 shares of our Class 
A common stock at a price of $28.00 per share, less underwriting discounts and commissions, in a secondary public 
offering.  All of the shares were sold by funds affiliated with Blackstone and First Reserve.  In connection with 
this offering, Blackstone and First Reserve exchanged 15,000,000 Series A Units of PBF LLC for an equivalent 
number of shares of our Class A common stock, which increased PBF Energy's interest in PBF LLC to approximately 
56.4%.   Completion of the January 2014 Secondary Offering is estimated to increase our tax receivable agreement 
liability to $439.6 million due to the tax benefit expected to be generated as a result of the exchange in connection 
with the secondary offering and the corresponding tax benefits expected to be generated in future years from this 
transaction. 

Dividend Declared
On February 11, 2014, the Company's Board of Directors declared a dividend of $0.30 per share on outstanding 
Class A common stock.   The dividend is payable on March 14, 2014 to Class A common stockholders of record 
at the close of business on March 4, 2014.

Related Party 

On January 31, 2014, the Company entered into a consulting services agreement with Donald F. Lucey, the former 
Executive  Vice  President,  Commercial,  to  provide  consulting  services  relating  to  commercial  operations. 
Compensation for the services performed will include an annual retainer of $10 per calendar year paid quarterly 
in arrears and a daily rate of $2 for days actually engaged in performing services, with partial days prorated. Mr. 
Lucey will also receive severance compensation and be entitled to continued vesting in any outstanding equity 
awards granted to him under the Company's equity incentive plans, consistent with the terms of those plans.  The 
consulting service agreement expires on December 31, 2016, subject to certain early termination rights.

F- 58

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING

PBF Services Company, Delaware City Refining Company LLC, Delaware Pipeline Company LLC, PBF Power 
Marketing  LLC,  Paulsboro  Refining  Company  LLC,  Paulsboro  Natural  Gas  Pipeline  Company  LLC,   Toledo 
Refining Company LLC and PBF Investments LLC are 100% owned subsidiaries of PBF Holding and serve as 
guarantors of the obligations under the Senior Secured Notes. These guarantees are full and unconditional and 
joint and several. For purposes of the following footnote, PBF Holding is referred to as “Issuer.” The indenture 
dated February 9, 2012, among PBF Holding, PBF Finance, the guarantors party thereto and Wilmington Trust, 
National Association, governs subsidiaries designated as “Guarantor Subsidiaries.”  PBF Logistics LP,  PBF Rail 
Logistics  Company  LLC  and  Delaware  City Terminaling  Company  LLC  are  consolidated  subsidiaries  of  the 
Company that are not guarantors of the Senior Secured Notes.

The Senior Secured Notes were co-issued by PBF Finance.  For purposes of the following footnote, PBF Finance 
is referred to as “Co-Issuer.”  The Co-Issuer has no independent assets or operations. 

The  following  supplemental  combining  and  consolidating  financial  information  reflects  the  Issuer’s  separate 
accounts, the combined accounts of the Guarantor Subsidiaries, the combining and consolidating adjustments and 
eliminations and the Issuer’s consolidated accounts for the dates and periods indicated. For purposes of the following 
combining  and  consolidating  information,  the  Issuer’s  Investments  in  its  subsidiaries  and  the  Guarantor 
Subsidiaries’ investments in its subsidiaries are accounted for under the equity method of accounting.

PBF Holding has determined that a correction to the previously presented 2012 consolidating financial information 
presented in the following statements was necessary to reflect intercompany transactions between the Issuer and 
the Guarantor Subsidiaries. During the year ended December 31, 2012, sales to third parties were made and recorded 
by the Issuer, but the product sold was owned and delivered by the Guarantor Subsidiaries which recorded the 
related cost of sales. For that year ended, correcting entries totaling approximately $2,469,911 has been reflected 
in the consolidating information.  In order to record the intercompany sale of product on the Guarantor Subsidiaries 
and an equal amount of cost of sales on the Issuer, a correcting entry was recorded for $1,909,976.  There was an 
additional correcting entry for $559,935 to record the intercompany sale  of product on the Issuer as a result of a 
refinement to the allocation of costs between the Issuer and the Guarantor Subsidiaries.  These costs were initially 
transferred to the Guarantor Subsidiaries by reducing cost of sales on the Issuer rather than the recording of an 
intercompany sale. All such intercompany activity was then eliminated in consolidation and, therefore, had no 
effect on the PBF Holding’s reported  consolidated financial statements. The effect of these adjustments increased 
net income of the Guarantor Subsidiaries by $1,909,976 for the year ended December 31, 2012. On the Issuer, 
there was an increase in revenues of $559,935 and an increase in cost of sales of  $2,469,911 resulting in a decrease 
to income from operations of $1,909,976.  That decrease to income from operations was completely offset by the 
increase in the Issuer’s equity in the earnings of the Guarantor Subsidiaries. The adjustments mentioned above 
also  affected  the  respective  entities’  intercompany  receivable/payable  accounts  and  the  Issuer’s  investment  in 
subsidiaries account by $1,909,976 at December 31, 2012.  

F- 59

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING
CONSOLIDATING BALANCE SHEET

December 31, 2013

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining and
Consolidating
Adjustments

Total

ASSETS

Current assets:

Cash and cash equivalents

$

76,179

$

791

$

— $

— $

76,970

Accounts receivable

Inventories

Prepaid expense and other current
assets

Due from related parties

Total current assets

588,385

818,007

8,262

627,510

49,251

11,807,063

13,338,885

6,592

16,600,151

17,243,306

Property, plant and equipment, net

60,746

1,720,843

Investment in subsidiaries

Deferred charges and other assets, net

3,584,622

27,923

—

234,556

—

—

—

—

—

—

—

—

—

—

—

(28,407,214)

596,647

1,445,517

55,843

—

(28,407,214)

2,174,977

—

1,781,589

(3,584,622)

—

—

262,479

Total assets

$

17,012,176

$

19,198,705

$

— $

(31,991,836) $ 4,219,045

$

307,612

$

94,681

$

— $

— $

402,293

LIABILITIES AND EQUITY

Current liabilities:

Accounts payable

Accrued expenses

Current portion of long-term debt

Deferred revenue

Due to related parties

Total current liabilities

606,388

—

7,766

604,557

12,029

—

13,589,263

14,511,029

14,817,951

15,529,218

Delaware Economic Development
Authority loan

Long-term debt

Intercompany notes payable

Other long-term liabilities

—

682,487

31,835

14,672

12,000

41,060

—

31,805

Total liabilities

15,240,023

15,614,083

Commitments and contingencies

Equity:

Member's equity

Retained earnings

Accumulated other comprehensive
loss

Total equity

933,164

853,527

667,173

2,915,720

(14,538)

1,729

1,772,153

3,584,622

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

(28,407,214)

1,210,945

12,029

7,766

—

(28,407,214)

1,633,033

—

—

—

—

12,000

723,547

31,835

46,477

(28,407,214)

2,446,892

(667,173)

(2,915,720)

933,164

853,527

(1,729)

(14,538)

(3,584,622)

1,772,153

Total liabilities and equity

$

17,012,176

$

19,198,705

$

— $

(31,991,836) $ 4,219,045

F- 60

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING
CONSOLIDATING BALANCE SHEET

December 31, 2012

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining
and
Consolidating
Adjustments

Total

ASSETS

Current assets:

Cash and cash equivalents

$

241,926

$

12,365

$

— $

— $

254,291

Accounts receivable

Inventories

Prepaid expense and other current
assets

Due from related parties

Total current assets

306,999

664,225

8,835

6,770,893

7,992,878

196,797

832,894

4,553

10,015,340

11,061,949

Property, plant and equipment, net

28,200

1,607,387

Investment in subsidiaries

Deferred charges and other assets, net

2,855,598

31,081

—

166,268

—

—

—

—

—

—

—

—

—

—

—

(16,771,512)

503,796

1,497,119

13,388

14,721

(16,771,512)

2,283,315

—

1,635,587

(2,855,598)

—

—

197,349

Total assets

$ 10,907,757

$ 12,835,604

$

— $

(19,627,110) $ 4,116,251

$

197,624

$

162,433

$

— $

— $

360,057

LIABILITIES AND EQUITY

Current liabilities:

Accounts payable

Accrued expenses

Deferred revenue

Due to related parties

Total current liabilities

363,536

—

7,926,481

8,487,641

662,382

210,543

8,845,031

9,880,389

Delaware Economic Development
Authority loan

Long-term debt

Other long-term liabilities

—

666,538

1,924

20,000

43,442

36,175

Total liabilities

9,156,103

9,980,006

Commitments and contingencies

Equity:

Member's equity

Retained earnings

Accumulated other comprehensive
loss

Total equity

930,098

830,497

664,108

2,193,052

(8,941)

(1,562)

1,751,654

2,855,598

—

—

—

—

—

—

—

—

—

—

—

—

—

—

1,025,918

210,543

(16,771,512)

—

(16,771,512)

1,596,518

—

—

—

20,000

709,980

38,099

(16,771,512)

2,364,597

(664,108)

(2,193,052)

930,098

830,497

1,562

(8,941)

(2,855,598)

1,751,654

Total liabilities and equity

$ 10,907,757

$ 12,835,604

$

— $

(19,627,110) $ 4,116,251

F- 61

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING

CONSOLIDATING STATEMENT OF OPERATIONS AND COMPREHENSIVE INCOME 

Year Ended December 31, 2013

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining and
Consolidating
Adjustments

Total

Revenues

$16,190,178

$ 7,641,498

$

— $

(4,680,221) $ 19,151,455

—

—

—

—

—

—

—

—

—

—

(4,680,221)

17,803,314

—

—

—

812,652

95,794
(183)

—
(4,680,221)

111,479

18,823,056

—

328,399

(722,673)

—

—

—

4,691
(94,214)
238,876

— $

(722,673) $

— $

(724,930) $

233,279

Costs and expenses:

Cost of sales, excluding
depreciation

Operating expenses,
excluding depreciation

General and administrative
expenses

(Gain) loss on sale of asset

Depreciation and amortization
expense

16,486,851

5,996,684

(482)

813,134

82,284

(388)

13,510

205

12,856

98,623

16,581,121

6,922,156

Income (loss) from
operations

(390,943)

719,342

Other income (expense):

Equity in earnings of
subsidiaries

Change in fair value of
catalyst lease

Interest expense, net

Net income (loss)

Comprehensive Income (Loss)

722,673

—

—

(92,854)

238,876

233,279

$

$

4,691

(1,360)

722,673

724,930

$

$

$

$

F- 62

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING

CONSOLIDATING STATEMENT OF OPERATIONS AND COMPREHENSIVE INCOME 

Year Ended December 31, 2012

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining
and
Consolidating
Adjustments

Total

Revenues

$ 7,622,924

$ 16,141,408

$

— $

(3,625,645) $20,138,687

—

—

—

—

—

—

—

—

—

—

—

(3,625,645)

18,269,078

—

—

—

738,824

120,443
(2,329)

—
(3,625,645)

92,238

19,218,254

—

920,433

(1,921,040)

—

—

—

—

(2,768)

(3,724)
(108,629)
805,312

— $

(1,921,040) $

— $

(1,921,267) $

798,747

Costs and expenses:

Cost of sales, excluding
depreciation

Operating expenses, excluding
depreciation

General and administrative
expenses

Loss on sale of asset

Depreciation and amortization
expense

8,537,996

13,356,727

—

738,824

105,135

—

15,308
(2,329)

8,051

84,187

8,651,182

14,192,717

(Loss) income from
operations

(1,028,258)

1,948,691

Other income (expense):

Equity in earnings (loss) of
subsidiaries

Change in fair value of
contingent consideration

Change in fair value of catalyst
lease

Interest expense, net

Net income (loss)

Comprehensive Income (Loss)

1,921,040

—

—

—

(87,470)

805,312

(2,768)

(3,724)
(21,159)
$ 1,921,040

798,747

$ 1,921,267

$

$

$

$

F- 63

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING

CONSOLIDATING STATEMENT OF OPERATIONS AND COMPREHENSIVE INCOME 

Year Ended December 31, 2011

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining
and
Consolidating
Adjustments

Total

Revenues

$

— $ 14,960,338

$

— $

— $ 14,960,338

Costs and expenses:

Cost of sales, excluding
depreciation

Operating expenses,
excluding depreciation

General and administrative
expenses

Acquisition related expenses

Depreciation and
amortization expense

— 13,855,163

—

658,831

72,667

517

2,047

75,231

13,516

211

51,696

14,579,417

(Loss) income from
operations

(75,231)

380,921

Other income (expense):

Equity in earnings (loss) of
subsidiaries

Change in fair value of
catalyst lease

Change in fair value of
contingent consideration

Interest expense, net

Net income (loss)

Comprehensive Income
(Loss)

$

$

326,170

—

—

(8,268)

—

7,316

(5,215)

(56,852)

—

—

—

—

—

—

—

—

—

—

—

— 13,855,163

—

—

—

—

658,831

86,183

728

53,743

— 14,654,648

—

305,690

(326,170)

—

—

—

—

7,316

(5,215)
(65,120)
242,671

242,671

$

326,170

$

— $

(326,170) $

241,344

$

326,175

$

— $

(326,175) $

241,344

F- 64

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING 

CONSOLIDATING STATEMENT OF CASH FLOW

Year Ended December 31, 2013

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining
and
Consolidating
Adjustments

Total

Cash flows from operating activities:

Net income

$

238,876

$

722,673

$

— $

(722,673) $

238,876

Adjustments to reconcile net income to net cash
provided by operating activities:

Depreciation and amortization

Stock-based compensation

Change in fair value of catalyst lease obligation

Change in fair value of contingent consideration

Non-cash change in inventory repurchase obligations

Write-off of unamortized deferred financing fees

Pension and other post retirement benefit costs

Gain on disposition of property, plant and equipment

Equity in earnings of subsidiaries

Changes in current assets and current liabilities:

Accounts receivable

Amounts due to/from related parties

Inventories

Other current assets

Accounts payable

Accrued expenses

Deferred revenue

Other assets and liabilities

Net cash provided by operating activities

Cash flows from investing activities:

19,296

—

—

—

—

—

4,575

(388)

(722,673)

(281,386)

626,623

(153,782)

(40,416)

109,988

222,194

7,766

(1,140)

29,533

98,705

3,753

(4,691)

—

(20,492)

—

12,153

205

—

188,535

(611,902)

199,773

(2,039)

(67,752)

(7,377)

(210,543)

(19,263)

281,738

Expenditures for property, plant and equipment

(127,653)

(190,741)

Expenditures for refinery turnarounds costs

Expenditures for other assets

Proceeds from sale of assets

Net cash used in investing activities

—

—

102,428

(25,225)

(64,616)

(32,692)

—

(288,049)

Cash flows from financing activities:

Proceeds from revolver borrowings

Proceeds from intercompany notes payable

Proceeds from member's capital contributions

Proceeds from catalyst lease

Distribution to members

Repayments of revolver borrowings

Payment of contingent consideration related to
acquisition of Toledo refinery

Deferred financing costs and other

Net cash used in financing activities

Net decrease in cash and cash equivalents

Cash and equivalents, beginning of period

1,450,000

31,835

—

—

(215,846)

(1,435,000)

—

(1,044)

(170,055)

(165,747)

241,926

—

—

1,757

14,337

—

—

(21,357)

—

(5,263)

(11,574)

12,365

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

722,673

—

—

—

—

—

—

—

—

—

—

—

—

—

—

118,001

3,753

(4,691)

—

(20,492)

—

16,728

(183)

—

(92,851)

14,721

45,991

(42,455)

42,236

214,817

(202,777)

(20,403)

311,271

(318,394)

(64,616)

(32,692)

102,428

(313,274)

— $

1,450,000

—

—

—

—

—

—

—

—

—

—

31,835

1,757

14,337

(215,846)

(1,435,000)

(21,357)

(1,044)

(175,318)

(177,321)

254,291

76,970

Cash and equivalents, end of period

$

76,179

$

791

$

— $

— $

F- 65

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING

CONSOLIDATING STATEMENT OF CASH FLOW 

Year Ended December 31, 2012

Issuer

Guarantor
Subsidiaries

Non-
Guarantor
Subsidiaries

Combining
and
Consolidating
Adjustments

Total

Cash flows from operating activities:

Net income

$

805,312

$

1,921,040

$

— $

(1,921,040)

$

805,312

Adjustments to reconcile net income to net cash provided
by operating activities:

Depreciation and amortization

Stock-based compensation

Change in fair value of catalyst lease obligation

Change in fair value of contingent consideration

Non-cash change in inventory repurchase obligations

Write-off of unamortized deferred financing fees

Pension and other post retirement benefit costs

Gain on disposition of property, plant and equipment

13,466

84,184

—

—

—

—

4,391

2,125

—

2,954

3,724

2,768

4,576

—

10,559

(2,329)

—

Equity in earnings of subsidiaries

(1,921,040)

Changes in current assets and current liabilities:

Accounts receivable

Amounts due to/from related parties

(306,999)

119,455

1,736,986

(1,751,707)

Inventories

Other current assets

Accounts payable

Accrued expenses

Deferred revenue

Other assets and liabilities

Net cash provided by operating activities

(664,225)

78

193,151

419,735

—

(9,023)

273,957

Cash flows from investing activities:

Expenditures for property, plant and equipment

(16,546)

Expenditures for refinery turnarounds costs

Expenditures for other assets

Proceeds from sale of assets

—

—

—

584,128

49,893

(119,161)

(389,392)

21,309

(22,521)

519,480

(159,354)

(38,633)

(8,155)

3,381

Net cash used in investing activities

(16,546)

(202,761)

Cash flows from financing activities:

Proceeds from Senior Secured Notes

Proceeds from long-term debt

Proceeds from catalyst lease

Distributions to members

Repayments of long-term debt

Payment of contingent consideration related to
acquisition of Toledo refinery

Deferred financing costs and other

Net cash used in financing activities

Net increase (decrease) in cash and cash equivalents

Cash and equivalents, beginning of period

665,806

430,000

—

(160,965)

(823,749)

(103,642)

(26,059)

(18,609)

238,802

3,124

—

—

9,452

—

(360,848)

—

—

(351,396)

(34,677)

47,042

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

1,921,040

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

97,650

2,954

3,724

2,768

4,576

4,391

12,684

(2,329)

—

(187,544)

(14,721)

(80,097)

49,971

73,990

30,343

21,309

(31,544)

793,437

(175,900)

(38,633)

(8,155)

3,381

(219,307)

665,806

430,000

9,452

(160,965)

(1,184,597)

(103,642)

(26,059)

(370,005)

204,125

50,166

Cash and equivalents, end of period

$

241,926

$

12,365

$

— $

— $

254,291

F- 66

PBF ENERGY INC. AND
PBF HOLDING COMPANY LLC
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(IN THOUSANDS, EXCEPT SHARE, UNIT, PER SHARE, PER UNIT AND BARREL DATA)

23. CONSOLIDATING FINANCIAL STATEMENTS OF PBF HOLDING

CONSOLIDATING STATEMENT OF CASH FLOW

Year Ended December 31, 2011

Issuer

Guarantors
Subsidiaries

Non-
Guarantors
Subsidiaries

Combining
and
Consolidated
Adjustments

Total

Cash flows from operating activities

Net income (loss)

$

242,671

$

326,170

$

— $

(326,170)

$

242,671

Adjustments to reconcile net income to net

cash from operating activities:

Depreciation and amortization

Stock based compensation

Change in fair value of catalyst lease obligation

Change in fair value of contingent consideration

Non-cash change in inventory repurchase obligations

Pension and other post retirement benefit costs

Equity in earnings of subsidiaries

Changes in operating assets and liabilities, net of effects of
acquisitions

Accounts receivable

Inventories

Other current assets

Accounts payable

Accrued expenses

Deferred revenue

Other assets and liabilities

Net cash from operating activities

Cash flows from investing activities

Acquisition  of the Toledo Refinery, net of cash received
for sale of assets

Expenditures for property, plant and equipment

Expenditures for refinery turnarounds costs

Expenditures for other assets

Proceeds from sale of assets

Amounts due to/from related parties

       Other

Net cash used in investing activities

Cash flows from financing activities

Proceeds from member contributions

Proceeds from long-term debt

Proceeds from catalyst lease

Repayments of long-term debt

Repayment of seller note for inventory

Amounts due to/from related parties

Deferred financing costs and other

Net cash (used in) provided by financing activities

Net (decrease) increase in cash and cash equivalents

Cash and equivalents, beginning of period

4,877

—

—

—

—

1,241

(326,170)

—

—

(8,896)

4,456

46,724

—

(1,029)

(36,126)

—

(17,202)

—

—

—

(750,630)

—
(767,832)

408,397

470,000

—

(201,250)

—

(10,737)

666,410

(137,548)

140,672

52,042

2,516

(7,316)

5,215

25,329

8,527

—

(279,315)

(512,054)

(48,057)

245,309

348,369

122,895

(4,222)

285,408

(168,156)

(471,519)

(62,823)

(23,339)

4,700

—

(854)

(721,991)

—

18,894

18,624

(19,151)

(299,645)

750,630

(512)

468,840

32,257

14,785

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—
—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

326,170

—

—

—

—

—

—

—

—

—

—

—

—

—

750,630

—
750,630

—

—

—

—

—

(750,630)

—

(750,630)

—

—

Cash and equivalents, end of period

$

3,124

$

47,042

$

— $

— $

F- 67

56,919

2,516

(7,316)

5,215

25,329

9,768

—

(279,315)

(512,054)

(56,953)

249,765

395,093

122,895

(5,251)

249,282

(168,156)

(488,721)

(62,823)

(23,339)

4,700

—

(854)

(739,193)

408,397

488,894

18,624

(220,401)

(299,645)

—

(11,249)

384,620

(105,291)

155,457

50,166

PBF ENERGY INC. AND SUBSIDIARIES

QUARTERLY FINANCIAL DATA
(Unaudited)

The following table summarizes quarterly financial data for the years ended December 31, 2013 and 2012 

(in thousands, except per share amounts).

Revenues
Income (loss) from operations
Net income (loss)
Net income attributable to PBF Energy Inc.
Earnings per common share -assuming
dilution

Revenues
Income (loss) from operations
Net income (loss)
Net income attributable to PBF Energy Inc.
Earnings per common share -assuming
dilution

$

$

$

2013 Quarter Ended

March 31
4,797,847
100,105
69,711
11,406

$

June 30
4,678,293
133,027
107,170
16,826

$

September 30
4,858,880
(55,599)
(64,893)
(19,848)

$

December 31

4,816,435
142,326
102,097
31,156

0.48

$

0.61

$

(0.50) $

0.76

2012 Quarter Ended

March 31
4,716,106
(164,083)
(202,532)

$

June 30
5,077,015
579,506
555,742

$

September 30
5,395,206
220,109
186,564

December 31 (a)
4,950,360
$
284,901
264,263
1,956

$

0.08

(a)  On December 12, 2012, PBF Energy Inc. completed an initial public offering which closed on 

December 18, 2012.

F- 68

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

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

SIGNATURES

PBF ENERGY INC.

                    (Registrant)

By:

/s/ Thomas J. Nimbley

(Thomas J. Nimbley)

Chief Executive Officer
(Principal Executive Officer)

Date: February 21, 2014 

POWER OF ATTORNEY

Each of the officers and directors of PBF Energy Inc., whose signature appears below, in so signing, also makes, constitutes 
and appoints each of Michael Gayda, Matthew Lucey and Jeffrey Dill, and each of them, his true and lawful attorneys-in-fact, 
with full power and substitution, for him in any and all capacities, to execute and cause to be filed with the SEC any and all 
amendments to this Annual Report on Form 10-K, with exhibits thereto and other documents connected therewith and to perform 
any acts necessary to be done in order to file such documents, and hereby ratifies and confirms all that said attorneys-in-fact 
or their substitute or substitutes may do or cause to be done by virtue hereof.

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 dates indicated.

Signature

Title

Date

/s/ Thomas J. Nimbley

(Thomas J. Nimbley)

/s/ Matthew C. Lucey

(Matthew C. Lucey)

/s/ Karen B. Davis

(Karen B. Davis)

/s/ Thomas D. O’Malley

(Thomas D. O’Malley)

/s/ Spencer Abraham

(Spencer Abraham)

/s/ Jefferson F. Allen

(Jefferson F. Allen)

/s/ Wayne Budd

(Wayne Budd)

/s/ Martin J. Brand

(Martin J. Brand)

Chief Executive Officer

(Principal Executive Officer)

February 21, 2014

Senior Vice President, Chief Financial Officer

February 21, 2014

(Principal Financial Officer)

Chief Accounting Officer

(Principal Accounting Officer)

February 21, 2014

Executive Chairman of the

February 21, 2014

Board of Directors

Director

Director

Director

Director

February 21, 2014

February 21, 2014

February 21, 2014

February 21, 2014

 
 
 
 
 
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
Signature

/s/ Timothy H. Day

(Timothy H. Day)

/s/ David I. Foley

(David I. Foley)

/s/ Dennis Houston

(Dennis Houston)

/s/ Edward F. Kosnik

(Edward F. Kosnik)

/s/ Neil A. Wizel

(Neil A. Wizel)

Title

Director

Director

Director

Director

Director

Date

February 21, 2014

February 21, 2014

February 21, 2014

February 21, 2014

February 21, 2014

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

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

SIGNATURES

PBF HOLDING COMPANY LLC 
                    (Registrant)

By:

/s/ Thomas J. Nimbley

(Thomas J. Nimbley)

Chief Executive Officer
(Principal Executive Officer)

Date: February 21, 2014 

POWER OF ATTORNEY

Each of the officers and directors of PBF Holding Company LLC, whose signature appears below, in so signing, also 
makes, constitutes and appoints each of Michael Gayda, Matthew Lucey and Jeffrey Dill, and each of them, his true and lawful 
attorneys-in-fact, with full power and substitution, for him in any and all capacities, to execute and cause to be filed with the 
SEC  any  and  all  amendments  to  this Annual  Report  on  Form  10-K,  with  exhibits  thereto  and  other  documents  connected 
therewith and to perform any acts necessary to be done in order to file such documents, and hereby ratifies and confirms all 
that said attorneys-in-fact or their substitute or substitutes may do or cause to be done by virtue hereof.

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 dates indicated.

Signature

Title

Date

/s/ Thomas J. Nimbley

(Thomas J. Nimbley)

/s/ Matthew C. Lucey

(Matthew C. Lucey)

/s/ Karen B. Davis

(Karen B. Davis)

/s/ Michael D. Gayda

(Michael D. Gayda)

/s/ Jeffrey Dill

(Jeffrey Dill)

Chief Executive Officer

(Principal Executive Officer)

February 21, 2014

Senior Vice President, Chief Financial Officer

February 21, 2014

(Principal Financial Officer)

Chief Accounting Officer

(Principal Accounting Officer)

Director

Director

February 21, 2014

February 21, 2014

February 21, 2014

 
 
 
 
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
  
 
(cid:3)

(cid:3)

(cid:3)

(cid:3)
(cid:3)
(cid:37)(cid:50)(cid:36)(cid:53)(cid:39)(cid:3)(cid:50)(cid:41)(cid:3)(cid:39)(cid:44)(cid:53)(cid:40)(cid:38)(cid:55)(cid:50)(cid:53)(cid:54)(cid:3)
(cid:55)(cid:75)(cid:82)(cid:80)(cid:68)(cid:86)(cid:3)(cid:39)(cid:17)(cid:3)(cid:50)(cid:182)(cid:48)(cid:68)(cid:79)(cid:79)(cid:72)(cid:92)(cid:3)
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