Instructions

1. Preheat oven to 350 degrees and grease a loaf pan completely with cooking spray. Set aside
2. In a medium bowl beat cream cheese and 1/4 cup sugar until combined. Beat in egg yolk, 1 tablespoon of flour and milk. Set aside.
3. In a large bowl combine 2 cups flour, baking powder, baking soda, apple pie spices and salt and whisk to combine. Make a well in the center.
4. In another large bowl, mix together the remaining 1 cup of sugar, 2 eggs and oil. Stir in smashed bananas.
5. Pour wet batter into the well of the dry batter and stir until just combined.
6. Spoon half of the batter, about 2 cups, into the bottom of the pan.
7. Top with cream cheese mixture and use the back of a spoon to spread evenly.
8. Dollop large spoonfuls of the remaining batter and spread evenly and gently so it doesn't mix with the cream cheese.
9. Bake for 45 minutes and then cover with aluminum foil to prevent browning. Place back into the oven for 15 minutes or until a toothpick inserted comes out clean.
10. Allow to cool in the pan for 20 minutes and then remove to wire rack to cool completely before slicing.
11. *Can be refrigerated overnight so the cream cheese center really sets up. I had no problem slicing about an hour after removing from the oven.