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.