Preheat oven to 400 & line your baking tins.
Combine the first 5 ingredients (flours baking powder, sugar, salt) set aside.
Mix egg, oil, vanilla & milk in mixer bowl with paddle attachment.
Add banana- mix slowly so it does not splash.
Slowly add dry mixture- mix until combined.
Mix in chocolate chips
Scoop about 2 tablespoons of the batter into each lined baking cup.
Sprinkle with coconut & more chocolate chips.
Bake for 20 minutes or until your toothpick test is clean.
Cool on wire rack.
I stored mine in Ziploc bags on the counter for about 4 days. Can freeze if needed.