6. Deposits

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


(dollars in thousands)	June 30, 2016		December 31, 2015
U.S.:
Interest-bearing	$	9,972,472	$	10,111,319
Noninterest-bearing		4,926,879		4,801,370
Foreign:
Interest-bearing		647,905		618,776
Noninterest-bearing		574,848		530,459
Total deposits	$	16,122,104	$	16,061,924

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


	$250,000		Under
(dollars in thousands)	or More		$250,000		Total
Three months or less	$	1,388,351	$	225,039	$	1,613,390
Over three through six months		620,086		239,014		859,100
Over six through twelve months		344,017		344,578		688,595
One to two years		87,773		85,269		173,042
Two to three years		37,174		127,747		164,921
Three to four years		32,048		106,456		138,504
Four to five years		48,558		95,602		144,160
Thereafter		—		112		112
Total	$	2,558,007	$	1,223,817	$	3,781,824

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $2.6 billion as of both June 30, 2016 and December 31, 2015. Overdrawn deposit accounts are classified as loans and totaled $1.7 million and $3.0 million at June 30, 2016 and December 31, 2015, respectively.