help please! its for a big project

As loan analyst for Second Bank, you have $ een presented the following information. Each of these companies has requested a loan of $50,000 for 6 months with no collateral offered. In as much as your bank has reached its quota for loans of this type, only one of these requests is to be granted. Question: Which of the two companies, as judged by the information given above, would you recommend as the lower risk and why? Assume that the ending account balances are representative of the entire year