Standard Federal Bank expects to report on Thursday that it had record earnings in 1994. But stock analysts are worried over the shrinking of interest-rate margins that the Troy, Mich., thrift has been experiencing along with other major portfolio lenders.

Thomas J. Ricketts, chairman and president, said, "We've never had a year like this. Everything is at a record high." But he acknowledged that the company's quarterly earnings were likely to fall short of analysts' expectations.

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