I own a Art Shop but its currently closed and I make animation icons, such as these:
I use paint to make them and use a website to animate them, liek put them in frames
For the banners, I simply use Photoshop, some people here uses GIMP or GIMPS (Somewhere between these two) to use for free
For the Userbars, I just go to a website for the base and slap sprites in there.. for static userbars
Here's the Userbar website I go to:
http://www.userbars.com/design/step1.php
Hope this helped ^^ nya~