Preheat oven to 325 degrees. Line muffin pan with papers or spray with non-stick cooking spray.

In a small bowl, stir together the flour, baking powder, baking soda and the salt; set aside.

In another small bowl mash the bananas with a fork or a potato masher. Stir in the vanilla and the milk; set aside.

Using an electric mixer cream together the sugars and the butter until light and fluffy, 3 to 4 minutes.  Add the eggs one at a time mixing well after each addition.

Mix the banana mixture into the butter mixture just until combined. Mix in the dry ingredients. Using a wooden spoon, gently stir in the chocolate chips.

Spoon the batter into the liners, filling up to about ¼ inch from the top. Sprinkle each with a little granulated sugar and add a few extra chips to the top, optional.

Bake in the preheated oven for 22 to 27 minutes. Place on a rack to cool.