Let us begin.
Step 1: "I'm a banana, I'm a banana, peel the banana, peel the banana" (Family Guy)
The first step is to peel the banana and push your topping into the meat of the fruit. And that is all. You can be however creative as the government allows you to be in this step, add stuff like sprinkles and what-not, other yummy unhealthy things that will make this treat that much more desirable.