6. Deposits

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


(dollars in thousands)	September 30, 2017		December 31, 2016
U.S.:
Interest-bearing	$	10,982,814	$	10,129,958
Noninterest-bearing		5,252,249		5,399,212
Foreign:
Interest-bearing		705,035		671,957
Noninterest-bearing		655,385		593,405
Total deposits	$	17,595,483	$	16,794,532

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


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	276,403	$	1,872,346	$	2,148,749
Over three through six months		254,135		887,468		1,141,603
Over six through twelve months		259,014		319,229		578,243
One to two years		140,633		222,640		363,273
Two to three years		113,747		50,855		164,602
Three to four years		101,430		39,481		140,911
Four to five years		68,182		39,518		107,700
Thereafter		46		—		46
Total	$	1,213,590	$	3,431,537	$	4,645,127

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $3.4 billion and $2.5 billion as of September 30, 2017 and December 31, 2016, respectively. Overdrawn deposit accounts were classified as loans and totaled $2.4 million and $1.5 million as of September 30, 2017 and December 31, 2016, respectively.