6. Deposits

As of March 31, 2017 and December 31, 2016, deposits were categorized as interest-bearing or noninterest-bearing as follows:


(dollars in thousands)	March 31, 2017		December 31, 2016
U.S.:
Interest-bearing	$	10,193,632	$	10,129,958
Noninterest-bearing		5,437,919		5,399,212
Foreign:
Interest-bearing		723,999		671,957
Noninterest-bearing		582,628		593,405
Total deposits	$	16,938,178	$	16,794,532

The following table presents the maturity distribution of time certificates of deposit as of March 31, 2017:


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	210,516	$	1,544,506	$	1,755,022
Over three through six months		226,432		629,105		855,537
Over six through twelve months		332,090		321,986		654,076
One to two years		110,471		114,615		225,086
Two to three years		128,127		39,552		167,679
Three to four years		87,470		41,284		128,754
Four to five years		93,886		37,269		131,155
Thereafter		17		—		17
Total	$	1,189,009	$	2,728,317	$	3,917,326

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $2.7 billion and $2.5 billion as of March 31, 2017 and December 31, 2016. Overdrawn deposit accounts are classified as loans and totaled $1.8 million and $1.5 million at March 31, 2017 and December 31, 2016, respectively.