Step 1

Preheat your oven to 350 degrees Fahrenheit. Grease a 5"x9" loaf pan with butter or cooking spray. Whisk the dry ingredients in a medium-sized bowl.

Step 2

Mash the bananas in a large bowl then whisk in the eggs, grated carrots, apple sauce, and cooking oil.

Step 3

Add the dry ingredients to the wet ingredients and fold the batter until only a few streaks of flour remain. Add the raisins and walnuts, if using, and stir a few more times.

Step 4

Pour the batter into the loaf pan and smooth the top. Bake for 55-65 minutes, or until a toothpick inserted into the center of the loaf comes out clean. Check the banana bread after 45 minutes and if the top is browning too quickly, tent it loosely with foil. Let the banana bread cool completely before removing it from the pan.

Step 5

Once the banana bread is completely cool, beat the cream cheese frosting ingredients with electric beaters until the frosting is smooth and creamy.

Step 6

Remove the cooled banana bread from the loaf pan and cover the top with the frosting. If you'd like, decorate the top with a few chopped walnuts and a few pieces of shredded carrot.