Preheat oven to 350 degrees

Butter and flour a loaf pan

Set aside

Whisk together flour, baking soda, salt, cinnamon and nutmeg in medium mixing bowl; set aside

In a large mixing bowl whisk the yogurt and honey together

Add eggs and vanilla

Mix well

Add 1/4 of the flour mixture at a time and stir in - alternating with the banana and ending with the flour mixture

Scrap down sides and just mix until incorporated; don't over mix

Add carrot, raisins and walnuts

Stir until evenly mixed throughout

Spoon into the greased loaf pan

Sprinkle sunflower seeds over top if desired

Bake 55-60 minutes until a toothpick comes out clean

Cool for 15-20 minutes

Remove from pan and continue cooling on wire rack

Frost with cream cheese frosting if desired

In a medium mixing bowl with an electric mixer beat cream cheese, butter, and vanilla together on low-medium until fluffy

Add a cup and a half of sugar and a tablespoon of milk

Add more sugar and milk in small amounts beating after each addition until you get the consistency you want

Beat for two minutes on low until light and fluffy