9. Deposits

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


(dollars in thousands)	2018		2017
U.S.:
Interest-bearing	$	10,393,449	$	10,800,140
Noninterest-bearing		5,368,729		5,494,803
Foreign:
Interest-bearing		748,678		685,129
Noninterest-bearing		639,212		632,050
Total deposits	$	17,150,068	$	17,612,122

The following table presents the maturity distribution of time certificates of deposit as of December 31, 2018:


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	296,344	$	1,080,771	$	1,377,115
Over three through six months		255,674		256,438		512,112
Over six through twelve months		307,903		378,020		685,923
2020		123,646		82,605		206,251
2021		104,449		41,175		145,624
2022		58,594		35,035		93,629
2023		56,097		15,377		71,474
Thereafter		36		—		36
Total	$	1,202,743	$	1,889,421	$	3,092,164

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $1.9 billion and $3.0 billion as of December 31, 2018 and 2017, respectively. Overdrawn deposit accounts are classified as loans and totaled $2.4 million and $2.7 million at December 31, 2018 and 2017, respectively.