"SS Minnekahda was a passenger liner laid down in 1914, but construction was delayed by World War I. The hull was completed without a superstructure in 1917 and transferred to American registry in 1920. Fore River Shipyard refitted the hull to carry over two thousand immigrant passengers for the American Line. She entered service between Hamburg and New York City on 31 March 1921. Atlantic Transport Line then converted the ship for tourist-class service from 1924 until 1931. The ship was then laid up at New York by the Great Depression until scrap metal prices rose in response to German rearmament." (Wikipedia)
Obviously before the present Central station was built in 1906. However, as the practice of postcard publishers in those days was to remove overhead trolley lines above tram tracks, it's hard to determine how much earlier.