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  <xsd:element abstract="true" id="fcnca_FCBSCMemberDomain" name="FCBSCMemberDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FDICDepositInsuranceLimit" name="FDICDepositInsuranceLimit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FDICIndemnificationAssetAmortizationofDiscountsandPremiumsNet" name="FDICIndemnificationAssetAmortizationofDiscountsandPremiumsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FDICIndemnificationAssetCashPaymentstofromFDIC" name="FDICIndemnificationAssetCashPaymentstofromFDIC" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FDICIndemnificationAssetPolicyPolicyTextBlock" name="FDICIndemnificationAssetPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FDICIndemnificationAssetPostAcquisitionAdjustments" name="FDICIndemnificationAssetPostAcquisitionAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FDICIndemnificationAssetTextBlock" name="FDICIndemnificationAssetTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FDICPayableforLossShareAgreementsPolicyTextBlock" name="FDICPayableforLossShareAgreementsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FairValueOfItemsForWhichFairValueOptionWasElectedAssets" name="FairValueOfItemsForWhichFairValueOptionWasElectedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FairValueOptionAggregateDifferenceAssets" name="FairValueOptionAggregateDifferenceAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FederalHomeLoanBankAdvancesCurrentBorrowingCapacity" name="FederalHomeLoanBankAdvancesCurrentBorrowingCapacity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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 id="fcnca_FinancingReceivableAllowanceofCreditLossesReclassification" name="FinancingReceivableAllowanceofCreditLossesReclassification" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FinancingReceivableCollectivelyEvaluatedforImpairmentChangeDuringPeriod" name="FinancingReceivableCollectivelyEvaluatedforImpairmentChangeDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FinancingReceivableCreditQualityChargeOffOfPastDueBalancePeriod" name="FinancingReceivableCreditQualityChargeOffOfPastDueBalancePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_FinancingReceivableIndividuallyEvaluatedforImpairmentChangeDuringPeriod" name="FinancingReceivableIndividuallyEvaluatedforImpairmentChangeDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_FinancingReceivableRecordedInvestmentStillAccruing" name="FinancingReceivableRecordedInvestmentStillAccruing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_FirstRegionalBankMember" name="FirstRegionalBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_GeorgianBankDomain" name="GeorgianBankDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_GoodwillImpairmentPriorToAcquisition" name="GoodwillImpairmentPriorToAcquisition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_HeldtomaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" name="HeldtomaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_HeldtomaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" name="HeldtomaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_HighyieldcorporatebondsMember" name="HighyieldcorporatebondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ImpairedLoansAndLeasesBaselineForMeaurement" name="ImpairedLoansAndLeasesBaselineForMeaurement" 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_IncomeTaxReconciliationNondeductibleExpenseLoansLeasesAndInvestments" name="IncomeTaxReconciliationNondeductibleExpenseLoansLeasesAndInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_IncreaseDecreaseinIndemnificationAsset" name="IncreaseDecreaseinIndemnificationAsset" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_IncreaseDecreaseinIndemnificationLiability" name="IncreaseDecreaseinIndemnificationLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_IncreaseReductionInIncomeTaxesAbstract" name="IncreaseReductionInIncomeTaxesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 id="fcnca_IntangibleAssetsIncludingMortgageServicingRightsNetExcludingGoodwill" name="IntangibleAssetsIncludingMortgageServicingRightsNetExcludingGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_InterestOnlyLoanMember" name="InterestOnlyLoanMember" 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_InterestRateSwapHedgingVariableRateExposureOnTrustPreferredSecurities2011Member" name="InterestRateSwapHedgingVariableRateExposureOnTrustPreferredSecurities2011Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_IntermediatebondsMember" name="IntermediatebondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InternationalemergingbondMember" name="InternationalemergingbondMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InternationalequitydevelopedMember" name="InternationalequitydevelopedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_InternationalequityemergingMember" name="InternationalequityemergingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_InvestmentCostRelatedParties" name="InvestmentCostRelatedParties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_InvestmentInBancorporationSharesCostBasis" name="InvestmentInBancorporationSharesCostBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <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 id="fcnca_InvestmentSecuritiesAvailableForSaleRelatedParties" name="InvestmentSecuritiesAvailableForSaleRelatedParties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_InvestmentgradebondsMember" name="InvestmentgradebondsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_IssuanceofCommonStockNoncash" name="IssuanceofCommonStockNoncash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_JuniorSubordinantedDebentureAt3MonthLiborPlus1Point75PercentMaturingJune302036Member" name="JuniorSubordinantedDebentureAt3MonthLiborPlus1Point75PercentMaturingJune302036Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_JuniorSubordinatedDebentureAt3MonthLiborPlus2Point25PercentMaturingJune152034Member" name="JuniorSubordinatedDebentureAt3MonthLiborPlus2Point25PercentMaturingJune152034Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_JuniorSubordinatedDebentureAt3MonthLiborPlus2Point85PercentMaturingApril72034Member" name="JuniorSubordinatedDebentureAt3MonthLiborPlus2Point85PercentMaturingApril72034Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LargecapitalizationMember" name="LargecapitalizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LeverageCapitalRequiredRatioToTangibleAssets" name="LeverageCapitalRequiredRatioToTangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_Libor3MonthRateMember" name="Libor3MonthRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoanAndLeaseAcquiredWithDeterioratedCreditQualityAbstract" name="LoanAndLeaseAcquiredWithDeterioratedCreditQualityAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoanDesignationAxis" name="LoanDesignationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoanDesignationDomain" name="LoanDesignationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoanReceivablesAbstract" name="LoanReceivablesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <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 abstract="true" id="fcnca_LoansAcquiredWithDeterioratedCreditQualityDomain" name="LoansAcquiredWithDeterioratedCreditQualityDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoansAcquiredWithDeterioratedCreditQualityMember" name="LoansAcquiredWithDeterioratedCreditQualityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAndLeasesAcquired" name="LoansAndLeasesAcquired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_LoansAndLeasesAcquiredInBusinessCombination" name="LoansAndLeasesAcquiredInBusinessCombination" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_LoansAndLeasesEvaluatedForImpairmentAbstract" name="LoansAndLeasesEvaluatedForImpairmentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAndLeasesGrowth" name="LoansAndLeasesGrowth" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_LoansAndLeasesNetofAllowancesAcquired" name="LoansAndLeasesNetofAllowancesAcquired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_LoansHeldForSaleMember" name="LoansHeldForSaleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_LoansOnCostRecoveryMethodMember" name="LoansOnCostRecoveryMethodMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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 id="fcnca_LoansandLeasesNetofAllowancesOriginated" name="LoansandLeasesNetofAllowancesOriginated" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_LoansandLeasesOriginated" name="LoansandLeasesOriginated" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_Loansandleasesnotacquiredinatransferaccountedforasdebtsecurities" name="Loansandleasesnotacquiredinatransferaccountedforasdebtsecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_LoansnotcoveredbyFDIClossshareagreements" name="LoansnotcoveredbyFDIClossshareagreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_LongTermObligationsAbstract" name="LongTermObligationsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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 abstract="true" id="fcnca_MasterNotesMember" name="MasterNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_MaturitiesOfTimeDepositsTableTextBlock" name="MaturitiesOfTimeDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_MaximumPeriodOfFairValueRefinementAfterTransactionClosingDate" name="MaximumPeriodOfFairValueRefinementAfterTransactionClosingDate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_MaximumUndividedProfitsElgibleForDividendPaymentWithoutChangingWellCapitalizedStatus" name="MaximumUndividedProfitsElgibleForDividendPaymentWithoutChangingWellCapitalizedStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_MerchantProcessingMember" name="MerchantProcessingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_MiddlecapitalizationMember" name="MiddlecapitalizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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_NonPCILoansMember" name="NonPCILoansMember" 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_NoncommercialSegmentMember" name="NoncommercialSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_NumberOfInvestmentsInContinuousUnrealizedLossPositionForMoreThanTwelveMonths" name="NumberOfInvestmentsInContinuousUnrealizedLossPositionForMoreThanTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_OriginatedLoansMember" name="OriginatedLoansMember" 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 abstract="true" id="fcnca_OtherLongTermDebtMember" name="OtherLongTermDebtMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_OtherOperatingCostandExpenseLineItems" name="OtherOperatingCostandExpenseLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_OtherOperatingCostandExpenseTable" name="OtherOperatingCostandExpenseTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_OtherRealEstateCoveredTransfers" name="OtherRealEstateCoveredTransfers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_OtherRealEstateNonCoveredTransfers" name="OtherRealEstateNonCoveredTransfers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_OtherRealEstateTransfers" name="OtherRealEstateTransfers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_PayableToFdicForLossShareAgreements" name="PayableToFdicForLossShareAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_PaymentstoAcquireBusinessesCashPaidtoShareholders" name="PaymentstoAcquireBusinessesCashPaidtoShareholders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_PaymentstoAcquireBusinessesTARPSecurities" name="PaymentstoAcquireBusinessesTARPSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_PercentofTrustPreferredSecuritiesExcludedfromTierOneStartingIn2015" name="PercentofTrustPreferredSecuritiesExcludedfromTierOneStartingIn2015" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_PremisesandleaseholdimprovementsMember" name="PremisesandleaseholdimprovementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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_PresentValueOfAccruedLiabilitiyRollForward" name="PresentValueOfAccruedLiabilitiyRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_ProcessingFeesPaidToThirdPartiesMember" name="ProcessingFeesPaidToThirdPartiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ProformaTier1LeverageRatio" name="ProformaTier1LeverageRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_ProformaTier1RiskBasedRatio" name="ProformaTier1RiskBasedRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_ProformaTotalRiskBasedRatio" name="ProformaTotalRiskBasedRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_PurchasedcreditimpairedMember" name="PurchasedcreditimpairedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_RateOf4Point74PercentAndMaturityOfJuly2017Member" name="RateOf4Point74PercentAndMaturityOfJuly2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_RatesRangingFrom2PercentTo3Point88PercentAndMaturingThroughSeptember2021Member" name="RatesRangingFrom2PercentTo3Point88PercentAndMaturingThroughSeptember2021Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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 abstract="true" id="fcnca_ReceivableFromFdicForLossShareAgreementsRollForward" name="ReceivableFromFdicForLossShareAgreementsRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" 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:durationItemType" 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 id="fcnca_RemainingPercentofTrustPreferredSecuritiesExcludedfromTierOneAfter2015" name="RemainingPercentofTrustPreferredSecuritiesExcludedfromTierOneAfter2015" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_ReserveforunfundedcommitmentsPolicyPolicyTextBlock" name="ReserveforunfundedcommitmentsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ReturnOnPlanAssetsOverLast10Years" name="ReturnOnPlanAssetsOverLast10Years" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_ReturnOnPlanAssetsOverLast15Years" name="ReturnOnPlanAssetsOverLast15Years" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_ReturnPlanAssetsOverLast5Years" name="ReturnPlanAssetsOverLast5Years" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="fcnca_RevenueFromLargestIndividualInstitutionRelatedParties" name="RevenueFromLargestIndividualInstitutionRelatedParties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ServicingAssetKeyEconomicAssumptionsTableTextBlock" name="ServicingAssetKeyEconomicAssumptionsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ServicingAssetsandServicingLiabilitiesatFairValueAssumptionsUsedtoEstimateFairValueCosttoServiceLoans" name="ServicingAssetsandServicingLiabilitiesatFairValueAssumptionsUsedtoEstimateFairValueCosttoServiceLoans" nillable="true" substitutionGroup="xbrli:item" type="us-types:perUnitItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_ShareholderElectionTypeAxis" name="ShareholderElectionTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_ShareholderElectionTypeDomain" name="ShareholderElectionTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SharesOnlyMember" name="SharesOnlyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_SharesOwnedInAcquiredCompany" name="SharesOwnedInAcquiredCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SharesandCashMember" name="SharesandCashMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SmallcapitalizationMember" name="SmallcapitalizationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SubordinatedNotesPayableAt5Point125PercentMaturingJune12015Member" name="SubordinatedNotesPayableAt5Point125PercentMaturingJune12015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SubordinatedNotesPayableAt8Point00PercentMaturingJune12018Member" name="SubordinatedNotesPayableAt8Point00PercentMaturingJune12018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_SunAmericanBankMember" name="SunAmericanBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_TelecommunicationMember" name="TelecommunicationMember" 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_Thenumberofvotesallowedforcommonstockdividends" name="Thenumberofvotesallowedforcommonstockdividends" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_ThresholdPeriodPastDueforWriteoffofCreditCardFinancingReceivable" name="ThresholdPeriodPastDueforWriteoffofCreditCardFinancingReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_TimeDepositsGreaterthan250000CarryingValue" name="TimeDepositsGreaterthan250000CarryingValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_TobaccoBuyoutLoansMember" name="TobaccoBuyoutLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_TroubledDebtRestructuringSummaryofAccrualStatusTableTextBlock" name="TroubledDebtRestructuringSummaryofAccrualStatusTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_TrustPreferredSecurities" name="TrustPreferredSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="fcnca_UnamortizedPurchaseAccountingAdjustmentsMember" name="UnamortizedPurchaseAccountingAdjustmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="fcnca_UnfundedCommitmentforLowIncomeHousingTaxCredits" name="UnfundedCommitmentforLowIncomeHousingTaxCredits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="fcnca_UnfundedLoanCommitmentsAvailableToRelatedParties" name="UnfundedLoanCommitmentsAvailableToRelatedParties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" 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 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_VariableRateTypeAxis" name="VariableRateTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_VariableRateTypeDomain" name="VariableRateTypeDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_VentureBankMember" name="VentureBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="fcnca_WilliamsburgFirstNationalBankMember" name="WilliamsburgFirstNationalBankMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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>
