Preheat oven to 350 degrees.
Grease (or cooking spray) loaf pan.
Mix sugar and butter until only slightly crumbly.
Stir in eggs until blended.
Add bananas and water, beat 30 seconds.
Stir in remaining ingredients except nut or chips. Once everything is evenly moistened, add nuts or chips if using.
Pour into pan.
Bake until wooden pick inserted in center comes out clean. (8-inch loaf pan: 65 - 75 minutes. 9-inch loaf pan: 55 to 60 minutes)
Cool 5 minutes in pan.
Sprinkle some sugar on a flat surface.