Banana flower, with clumps of developing green bananas, in a front yard in Tsawwassen.
Front view of flower.
The big bud contains the beginnings of many small flowers, such as the ones under the lifted sepal. Each flower develops into one banana; behind the fresh blooms are a clump of baby bananas with drying flowers at the tip. The next clump up the stem has dropped most of the blooms, except for a few black threads.
They're still a long way from ripening, but now the days are cool, the nights chilly. Even in Tsawwassen. I don't think they'll make it, at least on the tree.