Preheat your oven to 350°F (175°C). Grease two 8x4-inch loaf pans with butter or non-stick spray.

In a large mixing bowl, cream softened butter, granulated sugar, and brown sugar until light and fluffy, about 3-4 minutes.

Add eggs one at a time, mixing well after each addition. Stir in vanilla extract until smooth.

Sift together flour, baking soda, cinnamon, nutmeg, ginger, and salt in a separate bowl. Gradually add to wet ingredients, mixing until just combined.

Fold in shredded carrots and mashed bananas until evenly distributed.

Pour batter into greased loaf pans and bake for 30-35 minutes or until a toothpick comes out clean.

For frosting, beat cream cheese and butter until smooth. Gradually add powdered sugar, vanilla extract, and cinnamon until fluffy.

Let the loaves cool in pans for 10-15 minutes, then remove to wire rack and cool completely. Frost the bread and add optional toppings if desired.