Deposits

9 Months Ended

Sep. 30, 2022

Deposits

Deposits

7. Deposits

As of September 30, 2022 and December 31, 2021, deposits were categorized as interest-bearing or noninterest-bearing as follows:

(dollars in thousands)	September 30, 2022		December 31, 2021
U.S.:
Interest-bearing	$	11,908,206	$	11,553,298
Noninterest-bearing		8,434,926		8,498,187
Foreign:
Interest-bearing		866,439		868,985
Noninterest-bearing		882,167		895,676
Total deposits	$	22,091,738	$	21,816,146

The following table presents the maturity distribution of time certificates of deposit as of September 30, 2022:

	Under		$250,000
(dollars in thousands)	$250,000		or More		Total
Three months or less	$	193,458	$	346,995	$	540,453
Over three through six months		200,904		365,394		566,298
Over six through twelve months		282,561		179,160		461,721
One to two years		116,268		42,528		158,796
Two to three years		54,972		16,885		71,857
Three to four years		41,935		12,231		54,166
Four to five years		33,114		11,690		44,804
Thereafter		827		—		827
Total	$	924,039	$	974,883	$	1,898,922

Time certificates of deposit in denominations of $250,000 or more, in the aggregate, were $1.0 billion and $0.8  billion as of September 30, 2022 and December 31, 2021, respectively. Overdrawn deposit accounts are classified as loans and totaled $1.8 million and $2.1 million as of September 30, 2022 and December 31, 2021, respectively.