9. Deposits

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


(dollars in thousands)	2017		2016
U.S.:
Interest-bearing	$	10,800,140	$	10,129,958
Noninterest-bearing		5,494,803		5,399,212
Foreign:
Interest-bearing		685,129		671,957
Noninterest-bearing		632,050		593,405
Total deposits	$	17,612,122	$	16,794,532

The following table presents the maturity distribution of time certificates of deposits as of December 31, 2017:


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	327,392	$	1,732,230	$	2,059,622
Over three through six months		274,728		662,539		937,267
Over six through twelve months		215,994		273,157		489,151
2019		139,981		157,655		297,636
2020		103,416		45,984		149,400
2021		99,475		39,564		139,039
2022		62,351		39,290		101,641
Thereafter		126		—		126
Total	$	1,223,463	$	2,950,419	$	4,173,882

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $3.0 billion and $2.5 billion as of December 31, 2017 and 2016, respectively. Overdrawn deposit accounts are classified as loans and totaled $2.7 million and $1.5 million at December 31, 2017 and 2016, respectively.