Preheat oven to 375 degrees. Line a muffin tin with paper liners and spray with non-stick cooking spray.

In a medium bowl, combine cereal and milk. Let stand for 5-10 minutes, until cereal is softened.

In a large bowl, whisk together flours, baking powder, cinnamon, nutmeg, ginger and salt.

In another large bowl, combine vegetable oil, mashed bananas, eggs, brown sugar and vanilla. Stir milk and cereal mixture into banana mixture.

Fold flour mixture into wet ingredients and stir until just combined.

Divide batter among muffins cups. Bake for 20-25 minutes, or until toothpick inserted in center comes out clean. Cool on wire racks before serving.