Stocks are closing lower on Wall Street, led by declines in banks and energy companies, the AP reports. Deutsche Bank plunged 9% Friday after saying it won't pay the $14 billion the US government is asking for to settle claims over its handling of mortgage securities in the run-up to the 2008 financial crisis. Big US banks also fell. JPMorgan Chase and Citigroup each lost 1%. Business software maker Oracle dropped 5% after its earnings fell short of analysts' forecasts. The Dow Jones industrial average fell 88 points, or 0.5%, to 18,123. The Standard & Poor's 500 index lost 8 points, or 0.4%, to 2,139. The Nasdaq composite declined 5 points, or 0.1%, to 5,244. (More Dow Jones stories.)