• Preheat your oven to 350 degrees. Prepare a loaf pan with cooking spray. Set aside. 

Banana Bread

• In a small bowl mash your bananas well with a fork and set aside. 
• In large bowl combine flour, sugar, cocoa powder, baking soda, and salt.
• Add the melted butter, vanilla and egg and combine.
• Add mashed bananas and chopped chocolate or chocolate chips.
• Stir until well blended. 
• Dump a little more than half of the batter into your prepared loaf pan. Set aside. 

Cream Cheese Filling

• In a large bowl add the cream cheese, egg, sugar and flour. Blend until smooth.
• Pour cream cheese mixture all over the bread. Using a knife push down through the cream cheese mixture, into the chocolate batter, and swirl your knife around all over the bottom half of your loaf pan, without scraping the bottom if possible.
• Add your remaining batter on top of the cream cheese mixture. Smooth the top with a knife and push batter into the corners as necessary. I also sometimes stick the knife down into the pan at this point too. I just love the cream cheese swirl everywhere. It is up to you. Just make sure the top of your loaf is as flat as possible as it enters the oven. 
• Bake for 60 to 70 minutes or until toothpick inserted in centre comes out clean. Watch where you stick the toothpick in. The toothpick test isn't as accurate with all of that cream cheese swirl and chocolate pieces! Just make sure the bread has baked until the top is like a dome. 
• Allow pan to cool on a rack for at least 10 minutes.
• Remove pan and place bread directly onto your rack until cool. Once cool make your glaze, if you are using it. This step is optional.  My husband thinks the glaze is unnecessary and I do not!  You will have to decide for yourself!

Glaze

• Whisk the icing sugar, cocoa powder, milk, vanilla and salt in a bowl.
• Pour over the completely cooled banana bread and using a brush make sure there is glaze all over the bread.  I usually place the rack with the bread on it in my sink while I glaze it.  Clean up is so much easier! 
• Let glaze set for about 15 minutes.

Get ready to eat!

• Slice and serve. Enjoy! This bread is amazing!