You have sins and are not in a saved condition with sins until one first believes AND IS BAPTIZED.
Acts 2:21 "And it shall come to pass, that whosoever shall call on the name of the Lord shall be saved."
Romans 5:1 "Therefore being justified by faith we have peace with God through our Lord Jesus Christ:"
Romans 5:9 "Much more then, being now justified by his blood, we shall be saved from wrath through him."
1 Cor 6:11 "And such were some of you: but ye are washed, but ye are sanctified, but ye are justified in the name of the Lord Jesus, and by the Spirit of our God."
Gal 2:116 "Knowing that a man is not justified by the works of the law, but by the faith of Jesus Christ, even we have believed in Jesus Christ, that we might be justified by the faith of Christ, and not by the works of the law: for by the works of the law shall no flesh be justified."
Gal 3:24 "Wherefore the law was our schoolmaster to bring us unto Christ that we might be justified by faith."
You keep referring to Matthew 16:16. How about you read the rest of the Bible too.