7. Deposits

As of March 31, 2019 and December 31, 2018, deposits were categorized as interest-bearing or noninterest-bearing as follows:


(dollars in thousands)	March 31, 2019		December 31, 2018
U.S.:
Interest-bearing	$	10,158,299	$	10,393,449
Noninterest-bearing		5,184,816		5,368,729
Foreign:
Interest-bearing		793,465		748,678
Noninterest-bearing		658,664		639,212
Total deposits	$	16,795,244	$	17,150,068

The following table presents the maturity distribution of time certificates of deposit as of March 31, 2019:


	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	306,984	$	658,915	$	965,899
Over three through six months		149,913		486,994		636,907
Over six through twelve months		383,212		401,934		785,146
One to two years		118,264		86,489		204,753
Two to three years		112,532		48,892		161,424
Three to four years		54,408		21,947		76,355
Four to five years		67,061		13,691		80,752
Thereafter		54		—		54
Total	$	1,192,428	$	1,718,862	$	2,911,290

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $1.7 billion and $1.9 billion as of March 31, 2019 and December 31, 2018, respectively. Overdrawn deposit accounts are classified as loans and totaled $2.7 million and $2.4 million as of March 31, 2019 and December 31, 2018, respectively.