Preheat oven to 325 deg. F. Grease loaf pan. In large bowl, combine oil and sugar until smooth. Add bananas, vanilla and eggs. In a medium bowl combine flour, oats, wheat germ, baking powder and spices. Add to banana mixture; stir until combined. Add raisins and/or nuts. Pour into prepared pan. Bake 1 hour and 10 mins or until wooden pick comes out clean. Turn immediately onto a cooling rack. Recipe can be doubled or tripled without alteration. Freezes well. To make mini loaves, reduce cooking time and check often for doneness.