The vessel was built at San Pedro in 1859 as a tugboat and originally operated in the harbor there under the name Milton Willis. In 1861 she was bought by Phineas Banning, who renamed her Ada Hancock, after the daughter of his friend Winfield Scott Hancock.
The day after my arrival at Wilmington, I witnessed one of the most distressing accidents that has ever taken place on this coast. The water in the bay was so shallow that the steamer had to anchor about three or four mile from the wharf; and to land the passengers, baggage, and mail, a small steamer called the Ada Hancock was employed. On her return trip to take the San Francisco bound passengers to the Senator, when about a mile from the wharf, she exploded. A few fellow soldiers and I had walked down from camp to take a sail on the steamer, as was often done by those stationed at the post. The wind, however, was blowing rather cold, and we concluded not to go, and turned back to camp. Hardly had we reached the middle of the wharf when we heard a sharp report, and quickly turning, we saw human bodies and debris flying in the air. The next moment all was still; but in that short moment more than twenty human beings had been hurled into eternity. But an instant before they were full of life, each one with some expectations from his contemplated voyage, each one with some cherished hope for the future, and no thought of death; and there I stood alive and well, who, but for a little chilly wind, would have been among them. Every available craft was manned, and hastened to the point of disaster, and soon the wounded and dead were brought ashore. As a great many of the dead were strangers, it was necessary to examine the bodies, and make record of letters and articles found on them, so that relatives and friends might afterwards claim them. This unpleasant duty fell upon me, in company with others. One poor fellow seemed as if he had fallen asleep; even his clothing showed not the slightest mark of disturbance, except a new pair of pegged boots, from which the soles and heels were completely blown off. But the rest were ghastly to behold and painful to remember.
Aftermath
Newmark continued: Frank Lecouvreur employed to take control of Phineas Banning's business affairs while he recovered from his injuries writes about the aftermath:
Fred E. Kerlin of Fort Tejon: "thirty thousand dollars which he carried with him, in greenbacks, disappeared as mysteriously as did the jewelry on the persons of others, and from these circumstances it was concluded that, even in the presence of Death, these bodies had been speedily robbed."