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In a large bowl, combine the flour, sugar, baking powder, baking soda and salt.
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In a small bowl, combine the egg, oil, yogurt (or sour cream) and vanilla.
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Stir wet ingredients into dry ingredients, just until moistened. Do not overmix.
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Fold in bananas and chocolate chips.
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Fill greased or paper lined muffin cups two-thirds full. I always use the cups for ease of cleaning.
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Bake at 350 degrees for 22-25 minutes or until a toothpick comes out clean. My muffins are typically done at 22 minutes.
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Cool for 5 minutes before removing from pans.
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Place muffins on wire racks and cool an additional 10-25 minutes.