6. Deposits

As of June 30, 2017 and December 31, 2016, deposits were categorized as interest-bearing or noninterest-bearing as follows:


(dollars in thousands)	June 30, 2017		December 31, 2016
U.S.:
Interest-bearing	$	10,903,294	$	10,129,958
Noninterest-bearing		5,227,404		5,399,212
Foreign:
Interest-bearing		677,370		671,957
Noninterest-bearing		644,194		593,405
Total deposits	$	17,452,262	$	16,794,532

The following table presents the maturity distribution of time certificates of deposit as of June 30, 2017:


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	236,404	$	1,714,290	$	1,950,694
Over three through six months		269,544		549,241		818,785
Over six through twelve months		267,980		394,465		662,445
One to two years		126,118		83,882		210,000
Two to three years		124,299		47,956		172,255
Three to four years		92,840		49,420		142,260
Four to five years		81,989		29,613		111,602
Thereafter		18		—		18
Total	$	1,199,192	$	2,868,867	$	4,068,059

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $2.9 billion and $2.5 billion as of June 30, 2017 and December 31, 2016, respectively. Overdrawn deposit accounts were classified as loans and totaled $1.7 million and $1.5 million as of June 30, 2017 and December 31, 2016, respectively.