Preheat oven to 375 degrees, and spray two loaf pans with non-stick cooking spray.
In a small bowl combine flour, cinnamon, nutmeg, brown sugar and cloves for the crumb topping. Cut in cold butter with a knife. Then use your fingers to combine until it's crumbly. Set Aside.
In your mixer, combine, bananas, nutmeg, cinnamon, cloves, eggs, melted butter and sugar. Sift together flour, baking soda, baking powder and salt. Add to banana mixture and mix to combine. Divide evenly between two loaf pans, and divide crumb topping evenly over each bread pan. Bake for 45-50 minutes or until toothpick inserted in center comes out clean.