Preheat oven to 325 degrees Fahrenheit.
Mix flour, baking soda, and salt together.
In a separate bowl, mix together egg, sugar, and oil.
Combine dry to wet - mixture will be dry.
Add milk, vanilla, and mashed bananas.
Fold in walnuts and/or chocolate chips if you wish to add them.
Pour into an oiled loaf pan and bake for 55-70 minutes. The loaf will be golden brown and a toothpick should come out clean.
Transfer to a cooling rack and let cool for at least 10 minutes before enjoying!