Rubuta ci gaba don wannan sakin layi - Lokacin da Shugaban Amurka Andrew Jackson ya ba da izinin yarjejeniyar Bankin na Biyu na Amurka ya ƙare a 1836, Amurka ba ta da wani irin banki na tsakiya, kuma yawan kuɗin da ke cikin Birnin New York ya canza tare da tsarin aikin gona na shekara-shekara na ƙasar. Kowace kaka kudi ya gudana daga garin yayin da aka sayi girbi kuma - a kokarin jawo hankalin kuɗi - an ɗaga kuɗin sha'awa. Masu zuba jari na kasashen waje sun aika da kudaden su zuwa New York don amfani da kudaden da suka fi girma. Daga Janairu 1906 Dow Jones Industrial Average high na 103, kasuwar ta fara gyaran gyare-gyare wanda zai ci gaba a cikin shekara. Girgizar ƙasa ta Afrilu 1906
Wannan San Francisco da aka lalata ya ba da gudummawa ga rashin kwanciyar hankali na kasuwa, yana haifar da ambaliyar kuɗi mafi girma daga New York zuwa San Francisco don taimakawa sake ginawa. Wani matsin lamba a kan wadatar kuɗi ya faru a ƙarshen 1906, lokacin da Bankin Ingila ya ɗaga ƙimar sha'awa, a wani ɓangare don mayar da martani ga kamfanonin inshora na Burtaniya suna biyan kuɗi da yawa ga masu riƙe da lasisi na Amurka, kuma ƙarin kuɗi sun kasance a London fiye da yadda aka zata. Daga mafi girma a watan Janairu, farashin hannun jari ya ragu da kashi 18 cikin 100 a watan Yulin 1906. A ƙarshen watan Satumba, hannayen jari sun dawo da kusan rabin asarar da suka yi.