Individual chocolate banana bread puddings

I was feeling frugal and decided to make a bread pudding to get rid of some old dinner rolls and a spotty banana before we go on our trip this weekend.
This is a Rachel Ray recipe that I didn't follow very well:

12 slices of white bread, toasted (I used the dinner rolls and two whole wheat white heels)
3 bananas (I used one fresh, 2 frozen)
1 T butter
2 T brown sugar
1 cup milk (I used half soy, half joe's milk that's about to expire)
2 tsp vanilla
2 eggs
10 oz chocolate bar, broken (I used cocoa powder, and what few chocolate chips were left in the bag)

Caramelize butter and sugar, add bananas. Whip eggs, milk, vanilla. Toss bread with mixture. Let set 10 minutes. Add banana mixture. Add chocolate.

Scoop into muffin cups, bake for 25 minutes at 350.

They came out a little firm... I would have cooked them slightly less or added more liquid for a gooey-er texture.