Along with the immeasurable human toll, the city's economy suffered devastating losses - an estimated $21.2 billion - in the wake of Sept. 11. In four areas of downtown Manhattan, residents and businesses have struggled to come back in the three years since the World Trade Center attack.

By the numbers

WALL STREET
54,000
Finance industry jobs lost since 2000

6.3 million square feet
Commercial space under construction or planned

13 million square feet
Vacant commercial space

11.6 percent
Retail vacancy rate below Chambers Street

17 of 74
Number of large firms surveyed, from destroyed buildings, which returned to downtown

11
Number of those firms that went to New Jersey

39
Number that went to midtown

7
Number that went elsewhere

DOWNTOWN HOUSING
2,360
Number of new apartments since Sept. 11

95 percent
Occupancy rate before Sept. 11

65 percent
Occupancy rate immediately after Sept. 11

95 percent
Occupancy rate today

80 percent
Residents likely to stay for 3 years

66 percent
Residents likely to stay 5 years

CHINATOWN
$500 million
Amount Chinatown's garment industry lost in the year following September 11

$2 million
Cost of marketing campaign to bring tourists back to Chinatown

Where are they now?

Here's a look at where Wall Street financial firms with at least 100,000 square feet of downtown office space have gone:

GONE ELSEWHERE

Bank of America - relocated majority of 400 employees from 1 WTC to existing space at 100 W. 33rd Street.

Cantor Fitzgerald - lost 658 out of nearly 1,000 employees; in 2004, announced plans to lease space at Park Ave. and 59th Street.

Citigroup/Salomon Smith Barney - lost more than 1 million square feet when 7 WTC fell; has relocated to existing space around the city and in NJ and CT.

CIBC World Markets Corp. - moved out of 500,000 square feet at 1 World Financial Center.

Credit Suisse First Boston - moved employees to existing locations in midtown after being displaced from 5 WTC

Fiduciary Trust Co. - lost 86 employees at 2 WTC; moved most remaining employees to 600 Fifth Ave. after attacks.

STILL DOWNTOWN

American Express Co. - returned to Battery Park City with 3,500 employees in 2002.

Bank of New York - returned to its three downtown locations but will also be moving 1,000 employees to Brooklyn.

Commerzbank - returned to 2 World Financial Center in Battery Park City.

Deloitte & Touche - moved back to 2 World Financial Center

Deutsche Bank - had purchased new headquarters at 60 Wall St. prior to 9/11; lost space at 4 WTC and 130 Liberty St.

Fidelity Investments - returned to 1 World Financial Center but will sublease some of its space there to decentralize operations.

Goldman Sachs Group - moved many employees to Jersey City after 9/11 but just announced plans for a new headquarters to be built in Battery Park City.

Merrill Lynch & Co. - returned to 2 and 4 World Financial Center but is subleasing some of that space.

NASDAQ - keeping administrative offices at 1 Liberty Plaza.

OppenheimerFunds - decided not to relocate to midtown and has leased space in 2 World Financial Center.

SOURCES: "Chinatown After September 11: An Economic Impact Study;" Wall Street Rising, TenantWise Inc.; TenantWise 2003 tenant relocation survey, Fiscal Policy Institute, Regional Plan Association/Civic Alliance; Alliance for downtown New York

RESIDENTIAL DEVELOPMENT BY TYPE

Downtown residential development is beginning to come back with more than 2,300 new apartments since Sept. 11.

CONVERSION NEW DEVELOPMENT TOTAL

1995 8

1997* 46

1998 1,454 152 1,606

1999 102 308 410

2000 811 209 1,020

2001 2,139 439 2,678

2002 1,366

2003 545 449 994