@Brian Van Fleet - I too love your ginkgo. Especially that we have been able to follow a progression over the years. Nice.
Female ginkgo trees are planted deliberately in areas of Asia, where the nuts are prized as a food crop. Even when growing freely in the ground, with as much fertilizer as possible, it will take around 30 years for a seedling Ginkgo to flower for the first time. In a bonsai pot, flowering may be delayed for several decades beyond the 30 year time. There may be the odd seedling that flowers sooner, but it won't be a common event.
For this reason, grafted trees are used for nut production. Usually a female scion is grafted to understock. Then a couple years later, after the tree has sized up some, one or two male scions are bud grafted on, to create a male branch in an otherwise female tree.
Grafted and cutting grown trees from mature flowering age trees will produce flowers sooner than the 30 years, but it may still take more than a decade for a cutting produced tree to be large enough to flower. It would be attractive to have stinky fruit hanging in your Ginkgo, but unfortunately it is not a common sight.
I do like the flavor of ginkgo nuts, they are tasty when cleaned and cooked.