Mash your bananas (3 over ripe is best, 2 works if that is all you have).
Mix dry ingredients (except coconut) in 1 bowl, and mix on low the wet ingredients in another using a mixer.
Slowly add the dry ingredients into the wet using your mixer on low to combine well.
Fold in coconut and nuts if you are adding those.
Fill muffin cups 3/4 full and put in oven at 350 degrees for 14 minutes (make 12) or just until they spring back when touched, you do NOT want to over bake them so they stay moist.
Fill remaining batter left into a loaf pan that has been sprayed with non stick spray and keep in oven for a total of about 28 minutes or until it is light brown and springs back when touched lightly. Enjoy!