The first one is a pic and a cut, the pic doesn't even fill the banner and is cut off near the end, the main cut is plain and has nothing to it, the text is boring and the emboss looks shit.
The second one is slightly better, however the 2 PSDs/Cuts used are crap, the left one is a bad pic of Torrie cos she looks ugly, the right one is badly cut.
The bg on the Christy one is terrible, the text is boring and tries to hard to be cool, the cut is badly cut and the: duplicate, set to overlay effect is plain and looks rubbish.
The fourth one sucks because the cut has been set to luminosity and is patchy and uneven, the bg is boring and the maker of the banner has been lazy by filling it up with the same text, repeated twice.
The last banner is probably the best. It doesn't say Christian twice, the PSD is averagley blended and overall, doesn't look too bad.