Gingko tree problem
One possibility is that the growing buds were nipped by the cold weather last week. If that is the case, the tree should produce a new set of leaves in a few weeks. Make sure it is watered if we get any dry spells.
It is also possible that the tree is suffering from something cultural. I can see a number of plantings under the tree. If a lot of cultivation took place when those plants went in, the roots of the tree could have been disturbed. Or perhaps the tree was planted too deeply and now has produced stem girdling roots. Read here:
In any case, wait a few weeks. If the tree hasn't leafed out properly, contact a certified arborist to get an accurate diagnosis:
Thanks for your response. We'll give it 2 weeks and call an arborist.