Deposits

9 Months Ended

12 Months Ended

Sep. 30, 2016

Dec. 31, 2015

Deposits

Deposits

6. Deposits

As of September 30, 2016 and December 31, 2015, deposits were categorized as interest-bearing or noninterest-bearing as follows:

(dollars in thousands)	September 30, 2016		December 31, 2015
U.S.:
Interest-bearing	$	10,500,417	$	10,111,319
Noninterest-bearing		5,171,172		4,801,370
Foreign:
Interest-bearing		664,572		618,776
Noninterest-bearing		629,366		530,459
Total deposits	$	16,965,527	$	16,061,924

The following table presents the maturity distribution of time certificates of deposits as of September 30, 2016:

	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	250,817	$	1,538,358	$	1,789,175
Over three through six months		162,312		817,101		979,413
Over six through twelve months		377,824		239,995		617,819
One to two years		82,410		66,962		149,372
Two to three years		141,117		49,040		190,157
Three to four years		98,047		38,461		136,508
Four to five years		102,580		40,012		142,592
Thereafter		107		—		107
Total	$	1,215,214	$	2,789,929	$	4,005,143

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $2.8 billion and $2.6 billion as of September 30, 2016 and December 31, 2015, respectively. Overdrawn deposit accounts are classified as loans and totaled $2.2 million and $3.0 million at September 30, 2016 and December 31, 2015, respectively.

9. Deposits

Deposits were categorized as interest‑bearing or noninterest‑bearing as follows:

	December 31,
(dollars in thousands)	2015		2014
U.S.:
Interest‑bearing	$	10,111,319	$	9,337,818
Noninterest‑bearing		4,801,370		4,219,789
Foreign:
Interest‑bearing		618,776		682,131
Noninterest‑bearing		530,459		485,641
Total deposits	$	16,061,924	$	14,725,379

The following table presents the maturity distribution of time certificates of deposits at December 31, 2015:

	$100,000		Under
(dollars in thousands)	or More		$100,000		Total
Three months or less	$	1,624,132	$	118,395	$	1,742,527
Over three through six months		615,697		141,673		757,370
Over six through twelve months		498,476		267,883		766,359
2017		89,395		60,296		149,691
2018		62,987		69,211		132,198
2019		60,982		81,201		142,183
2020		49,236		70,314		119,550
Thereafter		—		122		122
Total	$	3,000,905	$	809,095	$	3,810,000

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $2.6 billion and $2.3 billion as of December 31, 2015 and 2014, respectively. Overdrawn deposit accounts are classified as loans and totaled $3.0 million and $4.8 million at December 31, 2015 and 2014, respectively.