Let $M_n$ be the $n \times n$ matrix. Calculate the determinant by expanding along the first row and then by the second column, we get $ Det(M_n) = 5 Det(M_{n-1} ) - 4 Det(M_{n-2})$.
Let $Det(M_n) = D_n$, so $D_n$ satisfies the recurrence relation $D_n - 5 D_{n-1} + 4 D_{n-2} = 0$, with initial values $D_0 = 1, D_1 = 5$. The characteristic equation $x^2 - 5x + 4$ has roots $x= 4, 1$, so the solution has form $A4^n + B1^n$. Plugging in the initial values, we get $A= \frac {4}{3}, B= -\frac {1}{3}$, which yields the value $D_n = \frac {1}{3} (4^{n+1} - 1)$.
$D_0 = 1$ because it is the empty product, which by definition has the value 1. If you do not like to use $D_0 = 1$, you can just calculate $D_1 = 5$ and $D_2 = 5 \times 5 - 2 \times 2 = 21$ and then find the values of $A, B$.