Major U.S. stock-indexes lower on Monday morning as a dip in energy and healthcare stocks more than offset the boost to financials from Bank of America (BAC) strong results.

Most of Dow stocks in negative area (20 of 30). Top gainer - International Business Machines Corporation (IBM, +0.66%). Top loser - Merck & Co., Inc. (MRK, -1.14%).

Almost all S&P sectors also in negative area. Top gainer - Utilities (+0.3%). Top loser - Conglomerates (-0.5%).

At the moment:

Dow 18036.00 -23.00 -0.13%

S&P 500 2124.50 -2.50 -0.12%

Nasdaq 100 4803.25 -1.00 -0.02%

Oil 49.59 -0.76 -1.51%

Gold 1257.20 +1.70 +0.14%

U.S. 10yr 1.78 -0.02