Bananna Trees -- Tip
This is just something that I've learned (unfortunately the hard way). When your temps do dip down to freezing and your poor bananna tree turns brown and it's leaves die back, just leave it alone thru the winter. Don't cut the leaves off or anything. But do be sure to mulch the top of the ground near the roots with some straw or oak leaves.
In the spring -- after all chances of freezing temps have passed, just trim the bananna tree up by cutting the dead leaves back to the main stem. DON'T cut the main stem of the tree down to the ground (or cut it at all for that matter). Give it some time and it will begin to send new leave shoots out the top of the main stem.
Every year it seemed like I was "starting all over again" with my poor bananna trees. My neighbor was doing the same. Until I learned that it is not correct to butcher them up.