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  <xsd:element id="fcnca_FdicReceivableForLossShareAgreementsAccretionOfDiscountsAndPremiumsNet" name="FdicReceivableForLossShareAgreementsAccretionOfDiscountsAndPremiumsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FdicReceivableForLossShareAgreementsAdditionsDuringPeriod" name="FdicReceivableForLossShareAgreementsAdditionsDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FdicReceivableForLossShareAgreementsFairValueDisclosure" name="FdicReceivableForLossShareAgreementsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FdicReceivableForLossShareAgreementsPostAcquisitionAdjustments" name="FdicReceivableForLossShareAgreementsPostAcquisitionAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FdicReceivableForLossShareAgreementsReceiptOfPaymentsFromFdicDuringPeriod" name="FdicReceivableForLossShareAgreementsReceiptOfPaymentsFromFdicDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FdicReceivableForLossShareAgreementsTextBlock" name="FdicReceivableForLossShareAgreementsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_FederalDepositInsuranceCorporationMember" name="FederalDepositInsuranceCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FederalHomeLoanBankFairValueDisclosure" name="FederalHomeLoanBankFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FeesFromProcessingServices" name="FeesFromProcessingServices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_FinancingReceivableInformationByPortfolioSegmentDomain" name="FinancingReceivableInformationByPortfolioSegmentDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FinancingReceivableRecordedInvestment31To60DaysPastDue" name="FinancingReceivableRecordedInvestment31To60DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FinancingReceivableRecordedInvestment61To90DaysPastDue" name="FinancingReceivableRecordedInvestment61To90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" name="FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDueAndStillAccruing" name="FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDueAndStillAccruing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_GovernmentAgencySecuritiesMember" name="GovernmentAgencySecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_ImpairedAtAcquisitionDateMember" name="ImpairedAtAcquisitionDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ImpairedLoansCoveredByLossShareAgreements" name="ImpairedLoansCoveredByLossShareAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_ImpairedLoansNotCoveredByLossShareAgreements" name="ImpairedLoansNotCoveredByLossShareAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_IncreaseDecreaseInFdicReceivableForLossShareAgreements" name="IncreaseDecreaseInFdicReceivableForLossShareAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_IncrementalInterestExpensePaidToInterestRateSwapCounterparties" name="IncrementalInterestExpensePaidToInterestRateSwapCounterparties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InterestOnlyLoanMember" name="InterestOnlyLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_InterestRateSwapHedgingVariableRateExposureOnTrustPreferredSecurities20062011Member" name="InterestRateSwapHedgingVariableRateExposureOnTrustPreferredSecurities20062011Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InterestRateSwapHedgingVariableRateExposureOnTrustPreferredSecurities20112016Member" name="InterestRateSwapHedgingVariableRateExposureOnTrustPreferredSecurities20112016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_IntrinsicLossMember" name="IntrinsicLossMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InvestmentInFederalHomeLoanBankOfAtlantaStockMember" name="InvestmentInFederalHomeLoanBankOfAtlantaStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InvestmentInFederalHomeLoanBankOfSanFranciscoStockMember" name="InvestmentInFederalHomeLoanBankOfSanFranciscoStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InvestmentInFederalHomeLoanBankOfSeattleStockMember" name="InvestmentInFederalHomeLoanBankOfSeattleStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_InvestmentSecuritiesAggregateFairValueContinuousUnrealizedLossesOfMoreThan12Months" name="InvestmentSecuritiesAggregateFairValueContinuousUnrealizedLossesOfMoreThan12Months" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_InvestmentSecuritiesAggregateUnrealizedLossContinuousUnrealizedLossesOfMoreThan12Months" name="InvestmentSecuritiesAggregateUnrealizedLossContinuousUnrealizedLossesOfMoreThan12Months" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_LoanTermAxis" name="LoanTermAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoanTermDomainDomain" name="LoanTermDomainDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoanTermExtensionMember" name="LoanTermExtensionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAcquiredByLoanClassTableTextBlock" name="LoansAcquiredByLoanClassTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAcquiredContractuallyRequiredPaymentsExpectedCashFlowsTableTextBlock" name="LoansAcquiredContractuallyRequiredPaymentsExpectedCashFlowsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAndLeasesNotCoveredByLossShareAgreementsNetOfAllowanceForLoanAndLeaseLossesFairValueDisclosure" name="LoansAndLeasesNotCoveredByLossShareAgreementsNetOfAllowanceForLoanAndLeaseLossesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_LoansAndLeasesOutstandingTextBlock" name="LoansAndLeasesOutstandingTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAndLeasesReceivableNetOfImpairedLoans" name="LoansAndLeasesReceivableNetOfImpairedLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_LoansCoveredByLossShareAgreementsNetOfAllowanceForLoanAndLeaseLossesFairValueDisclosure" name="LoansCoveredByLossShareAgreementsNetOfAllowanceForLoanAndLeaseLossesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_LoansRepurchasedByFdic" name="LoansRepurchasedByFdic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansToFinanceBuyoutOutstandingBalance" name="LoansToFinanceBuyoutOutstandingBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementByCoverageTranchesAxis" name="LossShareAgreementByCoverageTranchesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementCoverageTrancheThreeMember" name="LossShareAgreementCoverageTrancheThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementCoverageTrancheTwoMember" name="LossShareAgreementCoverageTrancheTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementCoverageTranchesDomain" name="LossShareAgreementCoverageTranchesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementCoverageTranchesOneMember" name="LossShareAgreementCoverageTranchesOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementsAxis" name="LossShareAgreementsAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LossShareAgreementsDomain" name="LossShareAgreementsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_MaximumPeriodOfFairValueRefinementAfterTransactionClosingDate" name="MaximumPeriodOfFairValueRefinementAfterTransactionClosingDate" nillable="true" substitutionGroup="xbrli:item" type="us-types:durationStringItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_MortgageServicingRights" name="MortgageServicingRights" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_NetAmortizationOfPremiumsAndAccretionOfDiscounts" name="NetAmortizationOfPremiumsAndAccretionOfDiscounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NetAssetsAcquired" name="NetAssetsAcquired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NetChangeInOvernightInvestments" name="NetChangeInOvernightInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_NetLossAmountMember" name="NetLossAmountMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NewAccountingPronouncementsOrChangeInAccountingPrincipalCumulativeEffectOfChangeOnEquityOrNetAssets1" name="NewAccountingPronouncementsOrChangeInAccountingPrincipalCumulativeEffectOfChangeOnEquityOrNetAssets1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_NonCommercialLoansMember" name="NonCommercialLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_NonCoveredOreoMember" name="NonCoveredOreoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NonSpecificAllowancesForLoanAndLeaseLosses" name="NonSpecificAllowancesForLoanAndLeaseLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_NonSpecificMember" name="NonSpecificMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_NoncoveredLoansMember" name="NoncoveredLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NotCoveredUnderLossShareAgreementsInLoansAndLeases" name="NotCoveredUnderLossShareAgreementsInLoansAndLeases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_NotCoveredUnderLossShareAgreementsInOtherRealEstateOwned" name="NotCoveredUnderLossShareAgreementsInOtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_NumberOfBranches" name="NumberOfBranches" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_NumberOfInvestmentsInContinuousUnrealizedLossPositionForMoreThanTwelveMonths" name="NumberOfInvestmentsInContinuousUnrealizedLossPositionForMoreThanTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_NumberOfRepurchasedLoans" name="NumberOfRepurchasedLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NumberOfSegments" name="NumberOfSegments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_OtherCommercialRealEstateMember" name="OtherCommercialRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_OtherConcessionMember" name="OtherConcessionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_OtherLoansMember" name="OtherLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_OtherRealEstateOwnedCoveredByLossShareAgreementsPolicyTextBlock" name="OtherRealEstateOwnedCoveredByLossShareAgreementsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_OtherRealEstateOwnedMember" name="OtherRealEstateOwnedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_OvernightInvestmentsFairValueDisclosure" name="OvernightInvestmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_PrepaidPensionBenefitPensionLiability" name="PrepaidPensionBenefitPensionLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_ReceivableFromFdicForLossShareAgreementsAbstract" name="ReceivableFromFdicForLossShareAgreementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ReceivableFromFdicForLossShareAgreementsPolicyTextBlock" name="ReceivableFromFdicForLossShareAgreementsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ReceivableModificationsNumberOfLoansRestructuredDuringPeriod" name="ReceivableModificationsNumberOfLoansRestructuredDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ReceivableModificationsRecordedInvestmentOfLoansRestructuredDuringPeriod" name="ReceivableModificationsRecordedInvestmentOfLoansRestructuredDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_RecourseObligationOnMortgageLoansSoldMember" name="RecourseObligationOnMortgageLoansSoldMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_RecoursePeriodMaximum1" name="RecoursePeriodMaximum1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ReductionsForRepaymentsForeclosuresAndDecreasesInFairValue" name="ReductionsForRepaymentsForeclosuresAndDecreasesInFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_RestructuringWithPaymentDefaultMember" name="RestructuringWithPaymentDefaultMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_RevolvingMortgageMember" name="RevolvingMortgageMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SharedLossAssetsMember" name="SharedLossAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SubsequentAcquisitionDateAdjustmentsMember" name="SubsequentAcquisitionDateAdjustmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_TemeculaValleyBankMember" name="TemeculaValleyBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_TotalIntrinsicLossEstimateRelatedToFdicAssistedAcquisition" name="TotalIntrinsicLossEstimateRelatedToFdicAssistedAcquisition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_UngradedMember" name="UngradedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_UnitedWesternBankMember" name="UnitedWesternBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_UnrealizedLossesRelatedToMarketabilityOfSecuritiesOrIssuersAbilityToHonorRedemptionObligations" name="UnrealizedLossesRelatedToMarketabilityOfSecuritiesOrIssuersAbilityToHonorRedemptionObligations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_UnusedCommitments" name="UnusedCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_WithNoRecordedAllowanceMember" name="WithNoRecordedAllowanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_WithRecordedAllowanceMember" name="WithRecordedAllowanceMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
