Preheat oven to 350°F (176°C) and prepare three 8-inch cake pans with parchment paper in the bottom and baking spray on the sides.

Combine the flour, baking powder, baking soda, cinnamon, and salt in a medium-sized bowl and set aside.

Add the butter, sugars, oil, and vanilla extract to a large mixer bowl and beat together until light in color and fluffy, about 2-3 minutes. Do not skimp on the creaming time.

Now it’s time to add the eggs. Add the eggs and egg white one at a time, mixing until mostly combined after each. Scrape down the sides of the bowl as needed to be sure all ingredients are well incorporated.

Add half of the dry ingredients to the batter and mix until mostly combined.

Add the mashed banana and mix until well combined.

Add the remaining dry ingredients and mix until well combined and smooth. Scrape down the sides of the bowl as needed to be sure all ingredients are well incorporated. Do not overmix the batter.

Gently stir in the chocolate chips.

Divide the batter evenly between the three cake pans and bake 25-30 minutes or until a toothpick inserted comes out clean.

Remove cakes from the oven and allow to cool for 2-3 minutes, then turn out onto a cooling rack to cool completely.

Add the cream cheese and butter to a large mixer bowl and beat until well combined.

Slowly add about half of the powdered sugar and the cocoa powder and beat until smooth.

Add the vanilla extract and beat until smooth.

Add the remaining powdered sugar and beat until smooth.

Build the cake by layering the cake and the frosting, alternating until all the cake layers have been used, and covering the assembled cake with the remaining frosting. Slice, serve and enjoy!