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  <xsd:element id="cob_DefinedBenefitPlanPlanAmendmentEligibleAgeForGrandfatheringProvision" name="DefinedBenefitPlanPlanAmendmentEligibleAgeForGrandfatheringProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_DefinedBenefitPlanPlanAmendmentEligibleVestingServicePeriodForGrandfatheringProvision" name="DefinedBenefitPlanPlanAmendmentEligibleVestingServicePeriodForGrandfatheringProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_DefinedContributionPensionAndOtherPostretirementPlanNameAxis" name="DefinedContributionPensionAndOtherPostretirementPlanNameAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_DefinedContributionPensionAndOtherPostretirementPlanNameDomain" name="DefinedContributionPensionAndOtherPostretirementPlanNameDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_DefinedContributionPensionAndOtherPostretirementPlansDisclosureLineItems" name="DefinedContributionPensionAndOtherPostretirementPlansDisclosureLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_DemandSavingsAndMoneyMarketDeposits" name="DemandSavingsAndMoneyMarketDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_DiscountedAppraisalMember" name="DiscountedAppraisalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_DiscountedCashFlowsMember" name="DiscountedCashFlowsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_DoverMember" name="DoverMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_EffectiveIncomeTaxRateReconciliationChangeinDeferredTaxAssets" name="EffectiveIncomeTaxRateReconciliationChangeinDeferredTaxAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_EffectiveIncomeTaxRateReconciliationatStateStatutoryIncomeTaxRatePercent" name="EffectiveIncomeTaxRateReconciliationatStateStatutoryIncomeTaxRatePercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_EmployeeBenefitPlansAbstract" name="EmployeeBenefitPlansAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_EmployeesMember" name="EmployeesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ExercisePriceRangeFourMember" name="ExercisePriceRangeFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ExercisePriceRangeOneMember" name="ExercisePriceRangeOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ExercisePriceRangeThreeMember" name="ExercisePriceRangeThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ExercisePriceRangeTwoMember" name="ExercisePriceRangeTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_FairValueMeasurementwithUnobservableInputsReconciliationRecurringBasisAmortization" name="FairValueMeasurementwithUnobservableInputsReconciliationRecurringBasisAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_FederalHomeLoanBankAdvancesAmountRestructured" name="FederalHomeLoanBankAdvancesAmountRestructured" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_FederalHomeLoanBankAdvancesAndLineOfCreditAmountOfAvailableBorrowing" name="FederalHomeLoanBankAdvancesAndLineOfCreditAmountOfAvailableBorrowing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_FederalHomeLoanBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFundsByPledgingAdditionalCollateral" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFundsByPledgingAdditionalCollateral" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_FederalHomeLoanBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFundsNoAdditionalCollateralPledged" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFundsNoAdditionalCollateralPledged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingAugust272018Member" name="FederalHomeLoanBankAdvancesMaturingAugust272018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingDecember292014Member" name="FederalHomeLoanBankAdvancesMaturingDecember292014Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingJune152020Member" name="FederalHomeLoanBankAdvancesMaturingJune152020Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingSeptember272016Member" name="FederalHomeLoanBankAdvancesMaturingSeptember272016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingSeptember272017Member" name="FederalHomeLoanBankAdvancesMaturingSeptember272017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingSeptember272018Member" name="FederalHomeLoanBankAdvancesMaturingSeptember272018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FederalHomeLoanBankAdvancesMaturingSeptember82015Member" name="FederalHomeLoanBankAdvancesMaturingSeptember82015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_FederalReserveBankDebtRemainingBorrowingCapacity" name="FederalReserveBankDebtRemainingBorrowingCapacity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_FinancingReceivableAcquiredWithNoCreditDeterioration" name="FinancingReceivableAcquiredWithNoCreditDeterioration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_FinancingReceivableAllowanceForCreditLossesAcquiredWithNoCreditDeterioration" name="FinancingReceivableAllowanceForCreditLossesAcquiredWithNoCreditDeterioration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_FinancingReceivableModificationsNumberOfContractsAlt" name="FinancingReceivableModificationsNumberOfContractsAlt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_FinancingReceivableModificationsNumberofContractsExtendedTerms" name="FinancingReceivableModificationsNumberofContractsExtendedTerms" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_FinancingReceivableModificationsNumberofContractsExtendedTermsandInterestRate" name="FinancingReceivableModificationsNumberofContractsExtendedTermsandInterestRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_FinancingReceivableModificationsNumberofContractsInterestRate" name="FinancingReceivableModificationsNumberofContractsInterestRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_FinancingReceivableModificationsPostModificationRecordedInvestmentAlt" name="FinancingReceivableModificationsPostModificationRecordedInvestmentAlt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_FinancingReceivableModificationsPreModificationRecordedInvestmentAlt" name="FinancingReceivableModificationsPreModificationRecordedInvestmentAlt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_FinancingReceivableRecordedInvestmentCurrentAndAccruing" name="FinancingReceivableRecordedInvestmentCurrentAndAccruing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_FinancingReceivableRecordedInvestmentPastDueAndNonaccrualStatus" name="FinancingReceivableRecordedInvestmentPastDueAndNonaccrualStatus" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_FiniteLivedIntangibleAssetsFutureEstimatedAmortizationExpense" name="FiniteLivedIntangibleAssetsFutureEstimatedAmortizationExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_FirstAnniversaryofGrantDateMember" name="FirstAnniversaryofGrantDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_Fnb2012IncentivePlanMember" name="Fnb2012IncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ForeclosedAssetFairValueDisclosure" name="ForeclosedAssetFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_ForeclosedAssetsMember" name="ForeclosedAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FormerPresidentOfAcquireeMember" name="FormerPresidentOfAcquireeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_FourthAnniversaryofGrantDateMember" name="FourthAnniversaryofGrantDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_GraniteCorpMember" name="GraniteCorpMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_HeldtomaturitySecuritiesAccumulatedUnrecognizedHoldingGain" name="HeldtomaturitySecuritiesAccumulatedUnrecognizedHoldingGain" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_HeldtomaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" name="HeldtomaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_HeldtomaturitySecuritiesContinuousUnrealizedLossPosition12MonthsorLongerAccumulatedLoss" name="HeldtomaturitySecuritiesContinuousUnrealizedLossPosition12MonthsorLongerAccumulatedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_HeldtomaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" name="HeldtomaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_HeldtomaturitySecuritiesContinuousUnrealizedLossPositionLessthan12MonthsAccumulatedLoss" name="HeldtomaturitySecuritiesContinuousUnrealizedLossPositionLessthan12MonthsAccumulatedLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableExcludingDeterioratedLoansAcquiredRecordedInvestment" name="ImpairedFinancingReceivableExcludingDeterioratedLoansAcquiredRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableExcludingDeterioratedLoansPurchasedRelatedAllowance" name="ImpairedFinancingReceivableExcludingDeterioratedLoansPurchasedRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableFairValueDisclosure" name="ImpairedFinancingReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedFinancingReceivableIncludingDeterioratedLoansPurchasedRelatedAllowance" name="ImpairedFinancingReceivableIncludingDeterioratedLoansPurchasedRelatedAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_ImpairedFinancingReceivableMember" name="ImpairedFinancingReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ImpairedFinancingReceivablesAverageRecordedInvestmentAndInterestIncomeTableTextBlock" name="ImpairedFinancingReceivablesAverageRecordedInvestmentAndInterestIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ImpairedLoansReceivableWithNoRelatedAllowanceIndividuallyReviewedForImpairmentRecordedInvestment" name="ImpairedLoansReceivableWithNoRelatedAllowanceIndividuallyReviewedForImpairmentRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpairedLoansReceivableWithNoRelatedAllowanceNotIndividuallyReviewedForImpairmentRecordedInvestment" name="ImpairedLoansReceivableWithNoRelatedAllowanceNotIndividuallyReviewedForImpairmentRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ImpariedFinancingReceivableSimpleAverageBalance" name="ImpariedFinancingReceivableSimpleAverageBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncomeLossFromContinuingOperationsBeforeIncomeLossFromSubsidiariesEquityMethodInvestmentsExtraordinaryItemsNoncontrollingInterest" name="IncomeLossFromContinuingOperationsBeforeIncomeLossFromSubsidiariesEquityMethodInvestmentsExtraordinaryItemsNoncontrollingInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_IncomeTaxLineItems" name="IncomeTaxLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_IncomeTaxTable" name="IncomeTaxTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseDecreaseInCashInvestmentInSubsidiaries" name="IncreaseDecreaseInCashInvestmentInSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseDecreaseInRepossessedAssets" name="IncreaseDecreaseInRepossessedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseInAccruedInterestAndOtherLiabilities" name="IncreaseInAccruedInterestAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_IncreaseOrDecreaseInPayablesUnderRepurchaseAgreements" name="IncreaseOrDecreaseInPayablesUnderRepurchaseAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_IntegrityFinancialCorporationMember" name="IntegrityFinancialCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_InterestPayableFairValueDisclosure" name="InterestPayableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_InterestRateSwap1Member" name="InterestRateSwap1Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_InterestRateSwap2Member" name="InterestRateSwap2Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_InterestReceivableFairValueDisclosure" name="InterestReceivableFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_InvestmentsInSubsidiaries" name="InvestmentsInSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_JuniorSubordinatedDebenturesCatawbaTrustIiMember" name="JuniorSubordinatedDebenturesCatawbaTrustIiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_JuniorSubordinatedDebenturesFnbTrustIMember" name="JuniorSubordinatedDebenturesFnbTrustIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_JuniorSubordinatedDebenturesFnbTrustIiMember" name="JuniorSubordinatedDebenturesFnbTrustIiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_JuniorSubordinatedDebenturesNumberIssuedResultingFromFundsInvestedfromtheSaleofTrustPreferredSecurities" name="JuniorSubordinatedDebenturesNumberIssuedResultingFromFundsInvestedfromtheSaleofTrustPreferredSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_JuniorSubordinatedDebenturesNumberofIssuesAcquiredfromMerger" name="JuniorSubordinatedDebenturesNumberofIssuesAcquiredfromMerger" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_JuniorSubordinatedNotesFairValueDisclosure" name="JuniorSubordinatedNotesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_LaterOfLiftingOfConsentOrdersOrSecondAnniversaryOfGrantDateMember" name="LaterOfLiftingOfConsentOrdersOrSecondAnniversaryOfGrantDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_LaterOfLiftingOfConsentOrdersOrThirdAnniversaryOfGrantDateMember" name="LaterOfLiftingOfConsentOrdersOrThirdAnniversaryOfGrantDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LeaseTermEquipment" name="LeaseTermEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LeaseTermFacilities" name="LeaseTermFacilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableIncludingHeldForSaleReceivableImpairedInterestLostOnNonaccrualLoans" name="LoansAndLeasesReceivableIncludingHeldForSaleReceivableImpairedInterestLostOnNonaccrualLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableIncludingHeldForSaleReceivableNonperformingNonaccrualOfInterest" name="LoansAndLeasesReceivableIncludingHeldForSaleReceivableNonperformingNonaccrualOfInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivablePurchases" name="LoansAndLeasesReceivablePurchases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivablePurchasesPremium" name="LoansAndLeasesReceivablePurchasesPremium" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableRatioAllowanceForLoanAndLeaseLossesToLoansAndLeasesReceivables" name="LoansAndLeasesReceivableRatioAllowanceForLoanAndLeaseLossesToLoansAndLeasesReceivables" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivableRatioNetWriteDownsToAllowanceForLoanAndLeaseLosses" name="LoansAndLeasesReceivableRatioNetWriteDownsToAllowanceForLoanAndLeaseLosses" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableRatioNetWriteDownsToAverageLoansAndLeasesReceivable" name="LoansAndLeasesReceivableRatioNetWriteDownsToAverageLoansAndLeasesReceivable" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableUnfundedCommitmentsExpectedUsagePercentage" name="LoansAndLeasesReceivableUnfundedCommitmentsExpectedUsagePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesReceivableUnfundedCommitmentsReserve" name="LoansAndLeasesReceivableUnfundedCommitmentsReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivablesAcquiredLoansContractualBalance" name="LoansAndLeasesReceivablesAcquiredLoansContractualBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansAndLeasesReceivablesNumberOfLoansSold" name="LoansAndLeasesReceivablesNumberOfLoansSold" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansAndLeasesRecievableUnpaidPrincipalBalance" name="LoansAndLeasesRecievableUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_LoansPlacedonNonaccrualPeriodofDelinquency" name="LoansPlacedonNonaccrualPeriodofDelinquency" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansReceivableHeldForSaleSalesContractPrice" name="LoansReceivableHeldForSaleSalesContractPrice" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansReceivableHeldForSaleSalesRecordedInvestmentSales" name="LoansReceivableHeldForSaleSalesRecordedInvestmentSales" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_LoansToFacilitateSaleOfOtherRealEstateOwned" name="LoansToFacilitateSaleOfOtherRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_MatchingRetirementSavingsPlanMember" name="MatchingRetirementSavingsPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_MinimumDenomination" name="MinimumDenomination" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="cob_MortgageServicingRightsImpairmentAndAmortization" name="MortgageServicingRightsImpairmentAndAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_MortgageServicingRightsPolicyPolicyTextBlock" name="MortgageServicingRightsPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_MutualFundsMember" name="MutualFundsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_NatureOfOperationsLineItems" name="NatureOfOperationsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_NatureOfOperationsTable" name="NatureOfOperationsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_NonaccrualLoanChangetoAccrualStatusMinimumPeriodofRepaymentPerformance" name="NonaccrualLoanChangetoAccrualStatusMinimumPeriodofRepaymentPerformance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_NumberOfOperatingFullServiceBranches" name="NumberOfOperatingFullServiceBranches" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_NumberOfShareBasedCompensationPlans" name="NumberOfShareBasedCompensationPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_NumberofNonExecutiveDirectors" name="NumberofNonExecutiveDirectors" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_NumberofSupplementalExecutiveRetirementPlans" name="NumberofSupplementalExecutiveRetirementPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_OffBalanceSheetArrangementsAbstract" name="OffBalanceSheetArrangementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_OffBalanceSheetArrangementsTextBlock" name="OffBalanceSheetArrangementsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_OfficersandDirectorsMember" name="OfficersandDirectorsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_OperatingLossCarryforwardsRemainingCarryforwardPeriod" name="OperatingLossCarryforwardsRemainingCarryforwardPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_OtherComprehensiveIncomeLossReclassificationAdjustmentsFromAociPensionAndOtherPostretirementBenefitPlansForGainLossBeforeTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentsFromAociPensionAndOtherPostretirementBenefitPlansForGainLossBeforeTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_OtherDefinedBenefitPlanAssetsMember" name="OtherDefinedBenefitPlanAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_OtherRealEstateOwnedPolicyPolicyTextBlock" name="OtherRealEstateOwnedPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_OtherTimeDeposits" name="OtherTimeDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="cob_OthersMember" name="OthersMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_OverdrawnTransactionDeposits" name="OverdrawnTransactionDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_PaymentsforImprovementstoOtherRealEstate" name="PaymentsforImprovementstoOtherRealEstate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_PercentageOfDeposits" name="PercentageOfDeposits" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_PercentageOfNoninterestBearingDomesticDepositsToDepositsDemand" name="PercentageOfNoninterestBearingDomesticDepositsToDepositsDemand" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_PercentageOfTimeDepositsLessThan100000ToDeposits" name="PercentageOfTimeDepositsLessThan100000ToDeposits" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_PercentageOfTimeDepositsMoreThan100000ToDeposits" name="PercentageOfTimeDepositsMoreThan100000ToDeposits" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForFederalReserveBank" name="PledgedFinancialInstrumentsNotSeparatelyReportedLoansReceivableForFederalReserveBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_PledgedFinancialInstrumentsNotSeparatelyReportedinvestmentsecuritiesforFederalReserveBank" name="PledgedFinancialInstrumentsNotSeparatelyReportedinvestmentsecuritiesforFederalReserveBank" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_PledgedfinancialinstrumentsNotseparatelyreportedsecuritiesforFederalHomeLoanBankdebt" name="PledgedfinancialinstrumentsNotseparatelyreportedsecuritiesforFederalHomeLoanBankdebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ProceedsFromIssuanceOfCommonStockNetOfStockIssuanceCosts" name="ProceedsFromIssuanceOfCommonStockNetOfStockIssuanceCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_ProceedsfromIssuanceofCommonStockContributedtoConsolidatedSubsidiary" name="ProceedsfromIssuanceofCommonStockContributedtoConsolidatedSubsidiary" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_PurchasedContractsAndOriginatedLoansMember" name="PurchasedContractsAndOriginatedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_PurchasedImpairedLoansMember" name="PurchasedImpairedLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureAdditions" name="RealEstateAcquiredThroughForeclosureAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_RealEstateAcquiredThroughForeclosureRollForward" name="RealEstateAcquiredThroughForeclosureRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureSaleCommitmentCarryingAmount" name="RealEstateAcquiredThroughForeclosureSaleCommitmentCarryingAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureSaleCommitmentNumberOfContracts" name="RealEstateAcquiredThroughForeclosureSaleCommitmentNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="cob_RealEstateAcquiredThroughForeclosureWritedownsAndNetGainLossOnSales" name="RealEstateAcquiredThroughForeclosureWritedownsAndNetGainLossOnSales" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_RealEstateConstructionPortfolioSegmentMember" name="RealEstateConstructionPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" name="ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ResidentialMortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprisesMember" name="ResidentialMortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprisesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_RetiredExecutiveOfAcquireeMember" name="RetiredExecutiveOfAcquireeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_SaleOfRealEstateAcquiredThroughForeclosure" name="SaleOfRealEstateAcquiredThroughForeclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ScheduleOfDebtLineItems" name="ScheduleOfDebtLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ScheduleOfDebtTable" name="ScheduleOfDebtTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfDefinedBenefitPlanAmountsRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossTableTextBlock" name="ScheduleOfDefinedBenefitPlanAmountsRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ScheduleOfDefinedContributionPensionAndOtherPostretirementPlansDisclosureTable" name="ScheduleOfDefinedContributionPensionAndOtherPostretirementPlansDisclosureTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfImpairedLoansReceivableTableTextBlock" name="ScheduleOfImpairedLoansReceivableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfLoansReceivableSalesTableTextBlock" name="ScheduleOfLoansReceivableSalesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfRepossessedAssetsTableTextBlock" name="ScheduleOfRepossessedAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleOfRepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedTableTextBlock" name="ScheduleOfRepurchaseAgreementsResaleAgreementsSecuritiesBorrowedAndSecuritiesLoanedTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduledMaturitiesOfTimeAndBrokeredDepositsTableTextBlock" name="ScheduledMaturitiesOfTimeAndBrokeredDepositsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleofLoansReceivableAcquiredLoansTableTextBlock" name="ScheduleofLoansReceivableAcquiredLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ScheduleofOtherInvestmentsTableTextBlock" name="ScheduleofOtherInvestmentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SecondAnniversaryofGrantDateMember" name="SecondAnniversaryofGrantDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SecuritiesPledgedAsCollateralInformationAxis" name="SecuritiesPledgedAsCollateralInformationAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SecuritiesPledgedAsCollateralInformationDomain" name="SecuritiesPledgedAsCollateralInformationDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ServicingAssetMember" name="ServicingAssetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ServicingAssetsUnconsolidatedLoansServicedUnpaidPrincipalBalance" name="ServicingAssetsUnconsolidatedLoansServicedUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="cob_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardBecomeExercisablePeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardBecomeExercisablePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodNumberOfIndividuals" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodNumberOfIndividuals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateHistoricalPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateHistoricalPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsCanceledinPeriod" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsCanceledinPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsCanceledinPeriodWeightedAverageGrantDateFairValue" name="SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsCanceledinPeriodWeightedAverageGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_StationeryPrintingAndSupplies" name="StationeryPrintingAndSupplies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_StockCompensationPlan1993Member" name="StockCompensationPlan1993Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_StockCompensationPlan2003Member" name="StockCompensationPlan2003Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_StockIssuancePeriodAxis" name="StockIssuancePeriodAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_StockIssuancePeriodDomain" name="StockIssuancePeriodDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_StockIssuedDuringPeriodSharesWarrantsExercised" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_StockIssuedDuringPeriodValueWarrantsExercised" name="StockIssuedDuringPeriodValueWarrantsExercised" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_SubstandardOrDoubtfulMember" name="SubstandardOrDoubtfulMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_SummaryOfDepositCompositionTableTextBlock" name="SummaryOfDepositCompositionTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_TaxPeriodAxis" name="TaxPeriodAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_TaxPeriodDomain" name="TaxPeriodDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_TaxQualifiedProfitSharingAndSavingsRetirementPlanMember" name="TaxQualifiedProfitSharingAndSavingsRetirementPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_TaxYear2014Member" name="TaxYear2014Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_TaxYear2015Member" name="TaxYear2015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_ThirdAnniversaryofGrantDateMember" name="ThirdAnniversaryofGrantDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_TransferFromFixedAssetstoOtherAssets" name="TransferFromFixedAssetstoOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_TransferOfMortgageLoansToRealEstateOwned" name="TransferOfMortgageLoansToRealEstateOwned" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="cob_TrustAndInvestmentServices" name="TrustAndInvestmentServices" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="cob_UncollectibleLoanCriteriaPeriodofUnpaidScheduledPayments" name="UncollectibleLoanCriteriaPeriodofUnpaidScheduledPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_UnfundedCommitmentsLineItems" name="UnfundedCommitmentsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="cob_UnfundedCommitmentsTable" name="UnfundedCommitmentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="cob_WarrantAgreementAdjustment" name="WarrantAgreementAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>