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Is that a banana in your pocket or are you just happy to see me? 

Usually said to someone when it appears that they have a boner.

Said to embarass/draw attention to said person

Banana can be replaced with a multitude of things, i.e cucumber, pencil, roll of quarters, mint container, etc.
Guy 1: *walks into room*
Guy 2: Hey is that a banana in your pocket or are you just happy to see me?
Guy 1: *looks down*
Everyone: *Laughs*

is that a banana in your pocket? 

When a pretty girl walks by a long line of drunk men trying to get in the cabin in the woods haunted house and a drunk guy says, "is that a banana in your pocket?"

Banana in the left backpack pocket 

If you find this on an individual, they are SUPER freaky. They are DTF RIGHT. NOW. Like actually pants them and suck on their guassy asap.
"omg...Tania has a banana in the left backpack pocket"

"Wow...she is a slut"