Pseudobombax septenatum is a large tree with a tall straight trunk that is usually swollen at the base. The bark has bright vertical lines, especially apparent in juvenile trees as is apparent in the images below.
P. septenatum is a highly deciduous species, dropping all of its leaves around December and leafing out again with the rains in April and May. The trunk stores water during the dry season and the tree uses these stores to fill out flowers and fruit.
I took these photos on the island Pedro Gonzalez off the Pacific coast of Panama. This species species appears to be one of the tallest canopy trees on the island.