Is this a sign of balding? 20 years old male

[westside10394]

Hi, I'm 23 years old. I noticed some a cowlick (or is it a bald spot) at the back of my head. Can anyone tell me exactly what this is?

Also, I recently got a haircut. After washing and shampooing, I realized my hair isn't as volumous as it was before getting the haircut. Do you notice any hair thinning at the front of my head?