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 CUSIP No. 658418108                                               13G  Page 1 of 5 Pages 
 
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
 
North Central Bancshares, Inc.
(Name of Issuer)
Common Stock, $.01 par value
(Title of Class of Securities)
658418108
(CUSIP Number)
December 31, 2009
(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule is filed: 
  X  Rule 13d-1(b)     
       Rule 13d-1(c)     
       Rule 13d-1(d)     
The information required in the remainder of this cover page shall not be deemed to be “filed” for the 
purpose of Section 18 of the Securities Exchange Act of 1934 (“Act”) or otherwise subject to the 
liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see 
the Notes).     



CUSIP No. 658418108  13G  Page 2 of 5 Pages 
 
           1. Name of Reporting Persons.     
               I.R.S. Identification No. of above persons (entities only).   
 
              Delaware Charter Guarantee & Trust Company dba Principal Trust Company as 
              Trustee for the First Federal Savings Bank of Iowa 401(k) and Stock Ownership Plan, 
              IRS No. 51-0099493.     
           2. Check the Appropriate Box if a Member of a Group:   
 
                     (a)       
 
                     (b)       
           3. SEC Use Only     
           4. Citizenship or Place of Organization:  Delaware   
 
                        
 Number of Shares Beneficially Owned by Each Reporting Person With:   
 
  5. Sole Voting Power:     
           0     
 
Number of 6. Shared Voting Power:     
Shares          183,682     
Beneficially
Owned By 7. Sole Dispositive Power:     
Each          0     
Reporting
Person With: 8. Shared Dispositive Power:   
           183,682     
           9. Aggregate Amount Beneficially owned by Each Reporting Person       183,682   
                    
           10. Check if Aggregate Amount in Row (9) Excludes Certain Shares:   
 
           11. Percent of Class Represented by Amount in Row (9):  13.62%   
                        
           12. Type of Reporting Person: EP    
                            



CUSIP No. 658418108  13G  Page 3 of 5 Pages 
 
Item 1.       
 
(a) Name of Issuer:    First Federal Savings Bank of Iowa 
(b) Address of Issuer’s Principal Executive Offices:  825 Central Avenue 
      Fort Dodge, IA 50501-3901 
 
Item 2.       
 
(a) – (c) Name, Principal Business Address and Citizenship of Person Filing: 
 
         Delaware Charter Guarantee & Trust Company dba Principal Trust Company as Trustee 
         for the First Federal Savings Bank of Iowa 401(k) and Stock Ownership Plan 
         1013 Centre Road     
         Wilmington, Delaware 19805     
 
         Citizenship:  Delaware     
 
(d) Title of Class of Securities:  Common Stock, $.01 par value 
 
(e) CUSIP Number:  658418108   
 
Item 3. If this statement is filed pursuant to Rule 13D-1(b) or 13D-2(b) or (c), check whether the 
person filing is a:       
 
(f) An employee benefit plan or endowment fund in accordance with Rule 13d-1(b)(1)(ii)(F); 
 
Item 4. Ownership - Provide the following information regarding the aggregate number and 
percentage of the class of securities of the issuer identified in Item 1. 
 
(a)    The First Federal Savings Bank of Iowa 401(k) and Stock Ownership Plan (“Plan”) is subject 
         to the Employee Retirement Income Security Act of 1974 (“ERISA”). Delaware Charter 
         Guarantee & Trust Company dba Principal Trust Company acts as the Trustee for the 
         401(k) and Stock Ownership Plan Trust. As of December 31, 2009, the 401(k) and Stock 
         Ownership Plan Trust held 183,682 shares of the Issuer’s common stock. The securities 
         reported include all shares held of record by the Trustee as trustee of the Trust. The Trustee 
         follows the directions of the Issuer and/or Plan participants with respect to voting and 
         disposition of shares. The Trustee, however, is subject to fiduciary duties under ERISA. The 
         Trustee disclaims beneficial ownership of the shares of common stock that are the subject of 
         this Schedule 13G.     
 
(b)     The 183,682 shares of common stock represent 13.62% of the Issuer’s outstanding shares of 
         common stock. The percent of class is based on shares outstanding as of December 31, 2009, 
         as provided by the Issuer.     



 CUSIP No. 658418108  13G  Page 4 of 5 Pages 
(c) Number of shares as to which such person has:   
         (i)  Sole power to vote or direct the vote: 0   
         (ii)  Shared power to vote or direct the vote: 183,682   
         (iii)  Sole power to dispose or direct the disposition of: 0   
         (iv)  Shared power to dispose or direct the disposition of: 183,682   
Item 5. Ownership of Five Percent or Less of Class   
Not Applicable     
Item 6. Ownership of More Than Five Percent on Behalf of Another Person 
Not Applicable     
Item 7. Identification and Classification of the Subsidiary Which Acquired the Security Being 
Reported on by the Parent Holding Company   
Not Applicable     
Item 8. Identification and Classification of Members of the Group   
Not Applicable     
Item 9. Notice of Dissolution of Group     
Not Applicable     
Item 10. Certification     
By signing below I certify that, to the best of my knowledge and belief, the securities referred to above 
were acquired and are held in the ordinary course of business and were not acquired and are not held 
for the purpose of or with the effect of having or influencing the control of the issuer of the securities 
and are not acquired and are not held in connection with or as a participant in any transaction having 
that purpose or effect.     



 CUSIP No. 658418108    13G  Page 5 of 5 Pages 
 
 
SIGNATURE
 
After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set 
forth in this statement is true, complete and correct.   
 
 
  Delaware Charter Guarantee & Trust Company 
 
 
  /s/ Kristin M. Camp
  Kristin M. Camp   
  Director, Trust Services   
  February 8, 2010