Hello Abby: Those gray-ish spots are very likely Lichen moss and are just using the bark as a place to live and not causing any harm to the tree. There a number of foliar diseases and enviornmental stresses that can cause a tree to loss it's leaves. Additionally, there can be vascular diseases that will cause similar symptoms. The foliar diseases and environmental stresses can be mild to severe depending on the growing season. Vascular diseases are particularly bad, as they will eventually cause death. You can submit samples to the University of Illinois Plant Clinic to determine the cause of your trees decline. The web site to obtain the specimen date forms and how to properly send the sample. The web site is:
http://plantclinic.cropsci.illinois.edu/index.html
You can cut and past this link in your web brower.
Sincerely, Richard Hentschel