referring to the above data :

calculate by showing details

ROA, ROE, P/E ratio, net interest margin, net noninterest margin,

then calculate different risks, liquidity risk, capital risk, interest rate risk, market risk, reputation risk

compare which bank is operating better based on the above calculations

Al Riyadh Bank 12/30/2020 12/30/2019 12/30/2018 Total Assets 310,087,907 265,788,878 229,899,576 Cash, Cash Equivalents & Federal Funds Sold 56,784,400 34,187,975 27,453,148 Cash And Cash Equivalents 30,461,132 19,559,177 24,993,285 Cash 5,136,666 4,916,642 5,212,780 Cash And Due from Banks 25,324,466 14,642,535 19,780,505 Money Market Investments 26,323,268 14,628,798 2,459,863 Federal Funds Sold & Securities Purchased Under Agreements to 26,323,268 14,628,798 2,459,863 Security Agree to be resold 26,323,268 14,628,798 2,459,863 Long Term Equity Investment 699,151 702,882 595,493 Derivative Assets 1,558,957 608,847 286,625 Net Loan 191,346,635 173,981,999 151,024,830 Allowance for Loans And Lease Losses 4,534,013 2,755,866 2,358,529 Receivables 427,104 430,429 348,506 Prepaid Assets 69,600 77,100 79,500 Net PPE 2,427,811 2,201,925 1,699,462 Gross PPE 7,208,903 6,655,043 5,727,000 Properties 995,882 936,119 Land And Improvements 1,435,204 2,059,565 1,447,918 Machinery Furniture Equipment 3,861,326 3,597,481 3,340, 744 Construction in Progress 800 Other Properties 1,912,373 997,997 937,538 Accumulated Depreciation -4,781,092 -4,453,118 -4,027,538 Other Assets 324,443 236,306 419,240 Total Liabilities Net Minority Interest 265,732,809 225,217,416 193,125,360 Total Deposits 244,828,239 207,642,379 178,402,670 Derivative Product Liabilities 1,640,934 649,226 274,270 Long Term Debt And Capital Lease Obligation 6,228,008 4,003,029 4,003,783 Other Liabilities 7,585,236 8,661,299 6,205,220 Total Equity Gross Minority Interest 44,355,098 40,571,462 36,774,216 Stockholders' Equity 44,355,098 40,571,462 36,774,216 Capital Stock 30,000,000 30,000,000 30,000,000 Common Stock 30,000,000 30,000,000 30,000,000 Retained Earnings 4,928,570 1,392,224 414,556 Other Equity Interest 1,650,000 1,200,000 Sabb Bank 12/30/2020 12/30/2019 12/30/2018 Total Assets 276,451,671 265,472,444 174,564,111 Cash, Cash Equivalents & Federal Funds Sold 41,554,913 26,254,658 26,142,383 Cash And Cash Equivalents 41,554,913 26,254,658 26,142,383 Cash 2,252,471 2,375,158 1,542,528 Cash Equivalents 672,115 295,934 137,346 Cash And Due from Banks 38,630,327 23,583,566 24,462,509 Money Market Investments 7,653,718 4,811,666 Federal Funds Sold & Securities Purchased Under Agreem- 7,653,718 4,811,666 Long Term Equity Investment 619,232 660,198 532,597 Derivative Assets 1,961,306 970,526 562,373 Net Loan 153,243,078 154,676,970 110,325,959 Allowance for Loans And Lease Losses 6,092,570 4,750,612 Receivables 1,432,492 1,795,006 488,704 Prepaid Assets 139,918 275,750 239,133 Net PPE 3,169,427 3,308,278 1,280,670 Gross PPE 5,111,077 4,951,431 2,791,228 Land And Improvements 1,664,315 1,630,164 926,728 Buildings And Improvements 1,842,240 1,895,689 584,573 Machinery Furniture Equipment 856,280 776,534 179,583 Construction in Progress 748,242 649,044 482,670 Other Properties 617,674 Accumulated Depreciation -1,941,650 -1,643,153 -1,510,558 Goodwill And Other Intangible Assets 10,982,536 15,345,896 Goodwill 8,791,897 13,093,504 - Other Intangible Assets 2,190,639 2,252,392 - Other Assets 2,517,762 1,701,336 421,836 Total Liabilities Net Minority Interest 225,689,931 209,312,193 142,101,014 Total Deposits 191,674,943 195,819,210 131,519,738 Al Riyadh Bank 12/30/2020 12/30/2019 12/30/2018 Total Assets 310,087,907 265,788,878 229,899,576 Cash, Cash Equivalents & Federal Funds Sold 56,784,400 34,187,975 27,453,148 Cash And Cash Equivalents 30,461,132 19,559,177 24,993,285 Cash 5,136,666 4,916,642 5,212,780 Cash And Due from Banks 25,324,466 14,642,535 19,780,505 Money Market Investments 26,323,268 14,628,798 2,459,863 Federal Funds Sold & Securities Purchased Under Agreements to 26,323,268 14,628,798 2,459,863 Security Agree to be resold 26,323,268 14,628,798 2,459,863 Long Term Equity Investment 699,151 702,882 595,493 Derivative Assets 1,558,957 608,847 286,625 Net Loan 191,346,635 173,981,999 151,024,830 Allowance for Loans And Lease Losses 4,534,013 2,755,866 2,358,529 Receivables 427,104 430,429 348,506 Prepaid Assets 69,600 77,100 79,500 Net PPE 2,427,811 2,201,925 1,699,462 Gross PPE 7,208,903 6,655,043 5,727,000 Properties 995,882 936,119 Land And Improvements 1,435,204 2,059,565 1,447,918 Machinery Furniture Equipment 3,861,326 3,597,481 3,340, 744 Construction in Progress 800 Other Properties 1,912,373 997,997 937,538 Accumulated Depreciation -4,781,092 -4,453,118 -4,027,538 Other Assets 324,443 236,306 419,240 Total Liabilities Net Minority Interest 265,732,809 225,217,416 193,125,360 Total Deposits 244,828,239 207,642,379 178,402,670 Derivative Product Liabilities 1,640,934 649,226 274,270 Long Term Debt And Capital Lease Obligation 6,228,008 4,003,029 4,003,783 Other Liabilities 7,585,236 8,661,299 6,205,220 Total Equity Gross Minority Interest 44,355,098 40,571,462 36,774,216 Stockholders' Equity 44,355,098 40,571,462 36,774,216 Capital Stock 30,000,000 30,000,000 30,000,000 Common Stock 30,000,000 30,000,000 30,000,000 Retained Earnings 4,928,570 1,392,224 414,556 Other Equity Interest 1,650,000 1,200,000 Sabb Bank 12/30/2020 12/30/2019 12/30/2018 Total Assets 276,451,671 265,472,444 174,564,111 Cash, Cash Equivalents & Federal Funds Sold 41,554,913 26,254,658 26,142,383 Cash And Cash Equivalents 41,554,913 26,254,658 26,142,383 Cash 2,252,471 2,375,158 1,542,528 Cash Equivalents 672,115 295,934 137,346 Cash And Due from Banks 38,630,327 23,583,566 24,462,509 Money Market Investments 7,653,718 4,811,666 Federal Funds Sold & Securities Purchased Under Agreem- 7,653,718 4,811,666 Long Term Equity Investment 619,232 660,198 532,597 Derivative Assets 1,961,306 970,526 562,373 Net Loan 153,243,078 154,676,970 110,325,959 Allowance for Loans And Lease Losses 6,092,570 4,750,612 Receivables 1,432,492 1,795,006 488,704 Prepaid Assets 139,918 275,750 239,133 Net PPE 3,169,427 3,308,278 1,280,670 Gross PPE 5,111,077 4,951,431 2,791,228 Land And Improvements 1,664,315 1,630,164 926,728 Buildings And Improvements 1,842,240 1,895,689 584,573 Machinery Furniture Equipment 856,280 776,534 179,583 Construction in Progress 748,242 649,044 482,670 Other Properties 617,674 Accumulated Depreciation -1,941,650 -1,643,153 -1,510,558 Goodwill And Other Intangible Assets 10,982,536 15,345,896 Goodwill 8,791,897 13,093,504 - Other Intangible Assets 2,190,639 2,252,392 - Other Assets 2,517,762 1,701,336 421,836 Total Liabilities Net Minority Interest 225,689,931 209,312,193 142,101,014 Total Deposits 191,674,943 195,819,210 131,519,738