7. Deposits

As of September 30, 2018 and December 31, 2017, deposits were categorized as interest-bearing or noninterest-bearing as follows:


(dollars in thousands)	September 30, 2018		December 31, 2017
U.S.:
Interest-bearing	$	10,131,252	$	10,800,140
Noninterest-bearing		5,200,151		5,494,803
Foreign:
Interest-bearing		750,666		685,129
Noninterest-bearing		607,204		632,050
Total deposits	$	16,689,273	$	17,612,122

The following table presents the maturity distribution of time certificates of deposit as of September 30, 2018:


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	243,274	$	1,027,571	$	1,270,845
Over three through six months		271,511		461,877		733,388
Over six through twelve months		365,416		404,365		769,781
One to two years		123,127		80,642		203,769
Two to three years		106,088		39,175		145,263
Three to four years		64,676		34,032		98,708
Four to five years		51,952		16,706		68,658
Thereafter		87		—		87
Total	$	1,226,131	$	2,064,368	$	3,290,499

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $2.1 billion and $3.0 billion as of September 30, 2018 and December 31, 2017, respectively. Overdrawn deposit accounts are classified as loans and totaled $2.3 million and $2.7 million as of September 30, 2018 and December 31, 2017, respectively.