Nations Bank and State Bank are each wholly owned subsidiaries of Bank Holding Company, Inc. The two banks sell loans to each other as needed to stay within their lending limit and to avoid credit concentration.

Nations Bank has a loan to Enterprises, Inc., a local shipping company. Enterprise Inc.'s loan was classified as "substandard" during a regulatory examination.

Under Regulation W, how did the asset status change for Enterprise Inc. loan from quality to low-quality or substandard affect the relationship between Nations and State Bank?