Question on banners.

Your views on banner creation and with putting all text only type links aside to focus on banners.

I have been testing a few different ways of increasing banner click through and testing different sorts of banners layouts.

Here is a banner that I am working;

I had seen more action from simply putting just the face and mixing a question with a simple line of text over all text and or just a full spread. (sorry url removed, monaro's no-self spam rule)

With a simple face + question + second text works better than say a full body shot with text, also putting aside the quality of a banner.

Q. How would you sum up your own findings?